Review - Spring EQ EQ Fixed Rate Initial...VI. ASSETS AND LIABILITIES (cont'd) Name and address of Bank, S&L, or Credit Union Acct. no. Acct. no. € Stocks & Bonds (Company name

Uniform Residential Loan ApplicationThis application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants should complete this form as "Borrower" or "Co-Borrower", as applicable.Co-Borrower information must also be provided (and the appropriate box checked) when the income or assets of a person other than the Borrower (including the Borrower'sspouse) will be used as a basis for loan qualification or the income or assets of the Borrower's spouse or other person who has community property rights pursuant to state lawwill not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person has community property rights pursuant toapplicable law and Borrower resides in a community property state, the security property is located in a community property state, or the Borrower is relying on other propertylocated in a community property state as a basis for repayment of the loan.

If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):

Borrower Co-Borrower

I. TYPE OF MORTGAGE AND TERMS OF LOANMortgageApplied for:

VA FHA

Conventional USDA/Rural Housing Service

Other: (explain) Agency Case Number Lender Case Number3000000747

Amount$80,000.00

Interest Rate6.839%

No. of Months360

AmortizationType:

Fixed Rate GPM

Other (explain): ARM (type):

II. PROPERTY INFORMATION AND PURPOSE OF LOANSubject Property Address (street, city, state & ZIP)98 LILAC RD, MALVERN, PA 19355

No. of Units1

Legal Description of Subject Property (attach description if necessary)LOT: BLOCK:

Year Built0

Purpose of Loan Purchase Refinance

Construction Construction-Permanent

Other (explain): Home Equity Loan

Property will be: Primary Residence Secondary Residence Investment

Complete this line if construction or construction-permanent loan.Year Lot Acquired Original Cost Amount Existing Liens (a) Present Value of Lot (b) Cost of Improvements Total (a + b) $ $ $ $ $Complete this line if this is a refinance loan.YearAcquired

Original Cost

$

Amount Existing Liens

$

Purpose of Refinance Describe Improvements made to be made

Cost: $Title will be held in what Name(s)AMY AMERICA

Manner in which Title will be heldSOLE

Estate will be held in: Fee Simple

Source of Down Payment, Settlement Charges, and/or Subordinate Financing (explain) Leasehold (show expiration date)

Borrower III. BORROWER INFORMATION Co-BorrowerBorrower's Name (include Jr. or Sr. if applicable)AMY AMERICA

Co-Borrower's Name (include Jr. or Sr. if applicable)

Social Security Number500-60-2222

Home Phone(incl. area code)(215) 555-5555

DOB(mm/dd/yyyy)10/10/1974

Yrs. School Social Security Number Home Phone(incl. area code) DOB(mm/dd/yyyy) Yrs. School

Married Unmarried (include single, Separated divorced, widowed)

Dependents (not listed by Co-Borrower)no. 0 |ages

Married Unmarried (include single, Separated divorced, widowed)

Dependents (not listed by Borrower)no. |ages

Present Address (street, city, state, ZIP) Own Rent 6 No. Yrs. Present Address (street, city, state, ZIP) Own Rent No. Yrs.98 LILAC RD, MALVERN, PA 19355 US Mailing Address, if different from Present Address Mailing Address, if different from Present Address If residing at present address for less than two years, complete the following:Former Address (street, city, state, ZIP) Own Rent No. Yrs. Former Address (street, city, state, ZIP) Own Rent No. Yrs.

Borrower IV. EMPLOYMENT INFORMATION Co-BorrowerName & Address of Employer Self Employed Yrs. on this job Name & Address of Employer Self Employed Yrs. on this jobBORDERS 6 123 BORDERS RDFRAZER, PA 19355

Yrs. employed in thisline of work/profession

Yrs. employed in thisline of work/profession

6 Position/Title/Type of Business Business Phone (incl. area code) Position/Title/Type of Business Business Phone (incl. area code)EMPLOYEE (215) 555-5555 If employed in current position for less than two years or if currently employed in more than one position, complete the following:

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Uniform Residential Loan ApplicationFreddie Mac Form 65 7/05 (rev. 6/09)

Universal Loan Identifier:549300PIL8LFAQ04XC20300000074723

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Borrower IV. EMPLOYMENT INFORMATION (cont'd) Co-BorrowerName & Address of Employer Self Employed Dates (from-to) Name & Address of Employer Self Employed Dates (from-to)

Monthly Income

Monthly Income

Position/Title/Type of Business Business Phone (incl. area code) Position/Title/Type of Business Business Phone (incl. area code) Name & Address of Employer Self Employed Dates (from-to) Name & Address of Employer Self Employed Dates (from-to)

Monthly Income Monthly Income

Position/Title/Type of Business Business Phone (incl. area code) Position/Title/Type of Business Business Phone (incl. area code)

V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATIONGross Monthly

Income Borrower Co-Borrower TotalCombined MonthlyHousing Expense Present Proposed

Base Empl. Income* $12,000.00 $12,000.00 Rent Overtime First Mortgage (P&I) $1,400.00 $1,400.00Bonuses Other Financing (P&I) $553.85Commissions Hazard Insurance $50.00 $50.00Dividends/Interest Real Estate Taxes $50.00 $50.00Net Rental Income Mortgage Insurance Other $100.00 $100.00 Homeowner Assn. Dues (before completing, see thenotice in "describeother income," below)

Other:

Total $12,100.00 $12,100.00 Total $1,500.00 $2,053.85

* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.Describe Other Income Notice: Alimony, child support, or separate maintenance income need not be revealed if the

Borrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.B/C Monthly AmountB MILITARYBASEPAY $100.00

VI. ASSETS AND LIABILITIESThis Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joinedso that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower section wascompleted about a non-applicant spouse or other person, this Statement and supporting schedules must be completed about that spouse or other person also.

Completed Jointly Not JointlyASSETS Cash or Market

Description ValueCash Deposit toward purchase held by:

List checking and savings accounts belowName and address of Bank, S&L, or Credit Union

Acct. no. Name and address of Bank, S&L, or Credit Union

Acct. no. Name and address of Bank, S&L, or Credit Union

Acct. no.

Liabilities and Pledged Assets. List the creditor's name, address, and account number for all outstandingdebts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support,stock pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities which will besatisfied upon sale of real estate owned or upon refinancing of the subject property.

LIABILITIES Monthly Payment &Months Left to Pay

Unpaid Balance

Name and address of Company $ Payment/Months $210,027.00CALLABLE MORTGAGE (B) $1,671.00 / 126

Acct. no. 757570 Name and address of Company $ Payment/Months $4,665.00ALLEN BANK CARD (B) $133.00 / 35

Acct. no. 435617 Name and address of Company $ Payment/Months $1,357.00BURSTING CREDIT (B) $27.00 / 50

Acct. no. 171442

3000000747

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Uniform Residential Loan ApplicationFreddie Mac Form 65 7/05 (rev. 6/09) Fannie Mae Form 1003 7/05 (rev. 6/09)

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VI. ASSETS AND LIABILITIES (cont'd)Name and address of Bank, S&L, or Credit Union

Acct. no. Stocks & Bonds (Company name/number & description)

Life insurance net cash value Face amount: Subtotal Liquid Assets Real estate owned (enter market value fromschedule of real estate owned)

$375,000.00

Vested interest in retirement fund Net worth of business(es) owned(attach financial statement)

Automobiles owned (make and year)

Other Assets (itemize)

Name and address of Company $ Payment/Months $29.00CAPITAL BANK (B) $10.00 / 3

Acct. no. 529115 Name and address of Company $ Payment/Months

/

Acct. no. Name and address of Company $ Payment/Months

/

Acct. no. Name and address of Company $ Payment/Months

/

Acct. no. Alimony/Child Support/SeparateMaintenance Payments Owed to:

Job-Related Expense (child care, union dues, etc.) Total Monthly Payments $1,841.00

Total Assets a. $375,000.00 Net Worth Total Liabilities b. $216,078.00 (a minus b) » $158,922.00

Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.)

Property Address (enter S if sold, PS if pendingsale or R if rental being held for income)

Type ofProperty

PresentMarket Value

Amountof Mortgages

& LiensGross

Rental IncomeMortgagePayments

Insurance,Maintenance,

Taxes & Misc.Net Rental

Income98 LILAC RD MALVERN, PA 19355 SFR $375,000.00 $210,027.00 $1,671.00 $100.00

Totals $375,000.00 $210,027.00 $1,671.00 $100.00

List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):Alternate Name Creditor Name Account Number

VII. DETAILS OF TRANSACTION VIII. DECLARATIONSa. Purchase price If you answer "Yes" to any questions a through i, Borrower Co-Borrowerb. Alterations, improvements, repairs please use continuation sheet for explanation. Yes No Yes Noc. Land (if acquired separately) a. Are there any outstanding judgments against you? d. Refinance (incl. debts to be paid off) b. Have you been declared bankrupt within the past 7 years? e. Estimated prepaid items $149.00 c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years? f. Estimated closing costs $1,582.37 d. Are you a party to a lawsuit? g. PMI, MIP, Funding Fee e. Have you directly or indirectly been obligated on any loan which resulted in foreclosure,

transfer of title in lieu of foreclosure, or judgment?

h. Discount (if Borrower will pay) (This would include such loans as home mortgage loans, SBA loans, home improvement loans,educational loans, manufactured (mobile) home loans, any mortgage, financial

i. Total cost(s) (add items a through h) $1,731.37 obligation, bond, or loan guarantee. If "Yes," provide details, including date, name, and address ofLender, FHA or VA case number, if any, and reasons for the action.)

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VII. DETAILS OF TRANSACTION VIII. DECLARATIONSj. Subordinate financing If you answer "Yes" to any questions a through i, Borrower Co-Borrower please use continuation sheet for explanation. Yes No Yes Nok. Borrower's closing costs paid bySeller

f. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage,financial obligation, bond, or loan guarantee?

l. Other Credits (explain)

g. Are you obligated to pay alimony, child support, or separate maintenance?

m. Loan amount $80,000.00 h. Is any part of the down payment borrowed? (exclude PMI, MIP, Funding Fee financed) i. Are you a co-maker or endorser on a note? - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - n. PMI, MIP, Funding Fee financed j. Are you a U.S. citizen? k. Are you a permanent resident alien? o. Loan amount (add m & n) $80,000.00 l. Do you intend to occupy the property as your primary residence?

If "Yes," complete question m below.

m. Have you had an ownership interest in a property in the last three years? p. Cash from/to Borrower $-78,268.63 (1) What type of property did you own-principal residence (PR), (subtract j, k, l, & o from i) second home (SH), or investment property (IP)? PR (2) How did you hold title to the home - by yourself (S), jointly with your spouse (SP), or jointly with another person (O)? S

IX. ACKNOWLEDGMENT AND AGREEMENTEach of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees andacknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation ofthis information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that Ihave made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.;(2) the loan requested pursuant to this application (the "Loan") will be secured by a mortgage or deed of trust on the property described in this application; (3) the property will not be used forany illegal or prohibited purpose or use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied asindicated in this application; (6) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not the Loan is approved; (7)the Lender and its agents, brokers, insurers, servicers, successors, and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/orsupplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan; (8) in the event that my paymentson the Loan become delinquent, the Lender, its servicers, successors or assigns may, in addition to any other rights and remedies that it may have relating to such delinquency, report my nameand account information to one or more consumer reporting agencies; (9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may berequired by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the propertyor the condition or value of the property; and (11) my transmission of this application as an "electronic record" containing my "electronic signature," as those terms are defined in applicablefederal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective, enforceable andvalid as if a paper version of this application were delivered containing my original written signature.

Acknowledgment. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information contained in this applicationor obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a source named in this application or a consumer reporting agency.

Borrower's Signature Date Co-Borrower's Signature Date

X

X

Loan Originator's Signature

X

Date 06/18/19Loan Originator's Name (print or type)MEHEDI SHEMANTO

Loan Originator IdentifierState ID: 31641NMLS: 294315

Loan Originator's Phone Number (including area code)(215) 555-5555

Loan Origination Company's NameSPRING EQ, LLC

Loan Origination Company Identifier1464945

Loan Origination Company's Address2929 ARCH STREET SUITE 500 PHILADELPHIA PA19104

3000000747

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CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATIONUse this continuation sheet if you need Borrower: Agency Case Number:more space to complete the Residential AMY AMERICA Loan Application. Mark B for Borrower Co-Borrower: Lender Case Number:or C for Co-Borrower. 3000000747

I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts asapplicable under the provisions of Title 18, United States Code, Section 1001, et seq.Borrower's Signature Date Co-Borrower's Signature Date

X

X

3000000747

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FACTS WHAT DOES SPRING EQ, LLC DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and account balancesaccount transactions and checking account informationcredit history and transaction history

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons SPRING EQ, LLCchooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does SPRING EQ, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

No We don't share

For joint marketing with other financial companies No We don't share

For our affiliates' everyday business purposes -information about your transactions and experiences

No We don't share

For our affiliates' everyday business purposes -information about your creditworthiness

No We don't share

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you No We don't share

Questions? Call (888) 978-9978 or go to WWW.SPRINGEQ.COM

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What we do

How does SPRING EQ, LLC protect my personalinformation?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does SPRING EQ, LLC collect my personalinformation?

We collect your personal information, for example, when you

apply for a loan or give us your contact informationopen an account or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Spring Select, LLC

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

SPRING EQ, LLC does not share with nonaffiliates so they can market toyou.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

SPRING EQ, LLC doesn't jointly market.

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TILA-RESPA Integrated Disclosure Disclaimer

AMERICALoan #: 3000000747MIN: 101369830000007477

Date: JUNE 18, 2019

Lender: SPRING EQ, LLC

Borrower(s): AMY AMERICA

Property Address: 98 LILAC RD, MALVERN, PA 19355

Within your loan package, there are many different documents which are required under various laws andregulations - and the language of some of these documents are specifically prescribed by such laws.

These documents may reference other documents which were once required under the Federal Truth-in-Lending Act(TILA) or Real Estate Settlement Procedures Act (RESPA), but which have now been replaced by other documents.Due to legal restrictions, we are unable to update some of your documents to refer to these new documents.

However, a list of the old documents and the ones which replace them is provided below. If one of your documentsrefers to an older document, please refer to this table to see which document you should refer to instead.

Old Document New Document

Good Faith Estimate (GFE) Loan Estimate (LE)

HUD-1 Settlement Statement (HUD-1 or HUD-1/A) Closing Disclosure (CD)

Settlement Costs Booklet Your home loan toolkit

Truth-in-Lending Disclosure (TIL) Loan Estimate (LE)Closing Disclosure (CD)

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Pennsylvania - Anti-Coercion Insurance Disclosure AMERICA

Loan #: 3000000747MIN: 101369830000007477

Date: JUNE 18, 2019




A person shall not require that you, upon financing the purchase of real property or lending money on the securityof real property, as a condition precedent, concurrent, or subsequent to financing the purchase of such property orrenewal or extension to lending money upon the security of a mortgage thereon, negotiate any policy of insurance,or renewal thereof through a particular insurer, agent, solicitor or broker.

Certain types of insurance may be required in connection with the loan you have applied for. Such insurance may beavailable through the lender. However, the purchase of insurance from the lender is not a condition of the loanand will not affect current or future credit decisions.

7 Pa. Cons. Stat. Ann. § 6123(a)(5)18 Pa. Cons. Stat. Ann. § 7309Pa. Stat. Ann. tit. 40, § 310.76(a) & (b)

By signing below, you acknowledge receipt of this Disclosure.

- BORROWER - AMY AMERICA - DATE -

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Acknowledgment of Receipt of Loan Estimate and Collection of Fees

AMERICALoan #: 3000000747MIN: 101369830000007477

Date: JUNE 18, 2019




In accordance with the Truth-In-Lending Act as amended (15 U.S.C. §§ 1601 et seq.) - Regulation Z (TILA) and theReal Estate Settlement Procedures Act as amended (12 U.S.C. §§ 2601 et seq.) - Regulation X (RESPA), neither acreditor nor any other person may charge or collect a fee, other than a fee for a credit report, from an applicant for afederally related mortgage as defined under TILA and RESPA, before the borrower has received the Loan Estimateand has given their intent to proceed with the loan. A borrower is deemed to have received the Loan Estimate threebusiness days after the date it is mailed, unless signed in person or delivered electronically.

I certify that I have received the Loan Estimate in accordance with TILA and RESPA. I further certify that I havenot paid any fee, with the exception of a credit report fee, to the loan originator or any representative of the loanoriginator, prior to receiving the Loan Estimate and giving my intent to proceed with the loan.


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3000000747

Demographic Information Addendum. This section asks about your ethnicity, sex, and race.

Demographic Information of Borrower

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities andneighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity,sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required toprovide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race." Thelaw provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to providethe information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visualobservation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application.If you do not wish to provide some or all of this information, please check below.

Ethnicity: Check one or moreHispanic or Latino

Mexican Puerto Rican Cuban Other Hispanic or Latino - Print origin: For example: Argentinean, Colombian, Dominican, Nicaraguan,

Salvadoran, Spaniard, and so on.Not Hispanic or LatinoI do not wish to provide this information

SexFemaleMaleI do not wish to provide this information

Race: Check one or moreAmerican Indian or Alaska Native - Print name of enrolled or principal tribe:

Asian Asian Indian Chinese Filipino Japanese Korean Vietnamese Other Asian - Print race: For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.

Black or African AmericanNative Hawaiian or Other Pacific Islander

Native Hawaiian Guamanian or Chamorro Samoan Other Pacific Islander - Print race: For example: Fijian, Tongan, and so on.

WhiteI do not wish to provide this information

To Be Completed by Financial Institution (for application taken in person):

Was the ethnicity of the Borrower collected on the basis of visual observation or surname? NO YESWas the sex of the Borrower collected on the basis of visual observation or surname? NO YESWas the race of the Borrower collected on the basis of visual observation or surname? NO YES

The Demographic Information was provided through:

Face-to-Face Interview (includes Electronic Media w/ Video Component) Telephone Interview Fax or Mail Email or Internet

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Borrower Name: AMY AMERICAUniform Residential Loan ApplicationFreddie Mac Form 65 • Fannie Mae Form 1003

Universal Loan Identifier: 549300PIL8LFAQ04XC20300000074723

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PENNSYLVANIA APPLICATION DISCLOSURE AMERICA

Loan #: 3000000747MIN: 101369830000007477

Date: JUNE 18, 2019




All fees paid to third parties for services in connection with your loan, whether collected from you at the time of application orsubsequently, are non-refundable unless the third party service is not provided. All fees, other than third-party fees, will be refunded ifthe loan does not close within the time specified by SPRING EQ, LLC and at the rate, term, and overall cost agreed by the parties,unless the failure to close the loan is due solely to (i) your negligence; or (ii) your refusal or inability to provide information necessaryto process your loan application, including but not limited to, employment verifications and verifications of deposits.

Pa. Cons. Stat. Ann. tit. 7, §6121(10)

By signing below, you acknowledge receipt of this Disclosure.


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SPRING EQ, LLCYour Credit Score and The Price You Pay for Credit

Your Credit Score

Your credit score 728

Source: Experianwww.experian.comP. O. Box 2002Allen, TX 750131-888-397-3742

Date: JUNE 17, 2019

Understanding Your Credit Score

What you shouldknow aboutcredit scores

Your credit score is a number that reflects the information in your credit report.

Your credit report is a record of your credit history. It includes information about whether you pay your billson time and how much you owe to creditors.

Your credit score can change, depending on how your credit history changes.

How we use yourcredit score

Your credit score can affect whether you can get a loan and how much you will have to pay for that loan.

The range ofscores

Scores range from a low of 320 to a high of 844.

Generally, the higher your score, the more likely you are to be offered better credit terms.

How your scorecompares to thescores of otherconsumers

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Understanding Your Credit Score (continued)

Key factors thatadversely affectedyour credit score

Checking Your Credit Report

What if there aremistakes in yourcredit report?

You have a right to dispute any inaccurate information in your credit report. If you find mistakes on yourcredit report, contact the consumer reporting agency.

It is a good idea to check your credit report to make sure the information it contains is accurate.

How can you obtain acopy of your creditreport?

Under federal law, you have the right to obtain a free copy of your credit report from each of thenationwide consumer reporting agencies once a year.

To order your free annual credit report --

By telephone: Call toll-free: 1-877-322-8228

On the web: Visit www.annualcreditreport.com

By mail: Mail your completed Annual Credit Report Request Form (which you can obtain fromthe Federal Trade Commission's web site athttp://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:

Annual Credit Report Request ServiceP.O. Box 105281Atlanta, GA 30348-5281

How can you get moreinformation?

For more information about credit reports and your rights under Federal law, visit the ConsumerFinancial Protection Bureau's website at www.consumerfinance.gov/learnmore.

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Notice to the Home Loan Applicant

In connection with your application for a home loan, the lender must disclose to you the score that a consumer reportingagency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores.

The credit score is a computer generated summary calculated at the time of the request and based on information that aconsumer reporting agency or lender has on file. The scores are based on data about your credit history and payment patterns. Creditscores are important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used todetermine what interest rate you may be offered on the mortgage. Credit scores can change over time, depending on your conduct,how your credit history and payment patterns change, and how credit scoring technologies change.

Because the score is based on information in your credit history, it is very important that you review the credit-relatedinformation that is being furnished to make sure it is accurate. Credit records may vary from one company to another.

If you have questions about your credit score or the credit information that is furnished to you, contact the consumerreporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developed orgenerated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loan application andis unable to provide you with specific reasons for the decision on a loan application.

If you have questions concerning the terms of the loan, contact the lender.

By signing below, the undersigned hereby acknowledges receipt of a copy of this disclosure.


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CREDIT SCORE MATRIX

Date: JUNE 18, 2019

AMERICALoan #: 3000000747MIN: 101369830000007477

In addition to the Credit Score you will also receive information on four key factors which adversely affected your credit score. These fourkey factors are represented as reason codes by the Credit Bureaus and represent the top four reasons that your credit score was not higher.The reason code numbers which are printed on the Credit Score Disclosure are arranged according to the significance that they have on yourcredit score. The first code represents the factor with the strongest negative impact on your score. The second code had the next strongestimpact, and so on.

The following matrix lists the reason statement and reason codes. The reason statements and codes vary by individual credit bureaus. Firstidentify the credit bureau that provided your credit score on the Credit Score Disclosure. Then refer to the key factors that adversely affectedyour credit score. Compare the code numbers to the code numbers referenced below for the appropriate credit bureau. The correspondingreason statement is a key factor affecting your credit score.

STATEMENT EQUIFAXBEACON CODE

TRANS UNIONEMPIRICA

CODE

EXPERIAN FAIRISAAC CODE

Amount Owed on accounts is too high 01 01 01Level of delinquency on accounts 02 02 02Too few bank revolving accounts 03 NA 03Proportion of loan balances to loan amounts is too high 33 03 33Too many bank or national revolving accounts 04 NA 04Lack of recent installment loan information 32 04 32Too many accounts with balances 05 05 05Too many consumer finance company accounts 06 06 06Account payment history is too new to rate 07 07 07Too many inquiries last 12 months 08 08 08Too many accounts recently opened 09 09 09Proportion of balances to credit limits is too high on bank revolving or otherrevolving accounts 10 10 10

Amount owed on revolving accounts is too high 11 11 11Length of time revolving accounts have been established 12 12 12Time since delinquency is too recent or unknown 13 13 13Length of time accounts have been established 14 14 14Lack of recent bank revolving information 15 15 15Lack of recent revolving account information 16 16 16No recent non-mortgage balance information 17 17 17Number of accounts with delinquency 18 18 18Too few accounts currently paid as agreed 19 27 19Date of last inquiry too recent NA 19 NALength of time since derogatory public record or collection is too short 20 20 20Amount past due on accounts 21 21 21Serious delinquency, derogatory public record or collection filed 22 22 22Number of bank or national revolving accounts with balances 23 NA 23No recent revolving balances 24 24 24Number of established accounts 28 28 NANo recent bankcard balances NA 29 29Time since most recent account opening is too short 30 30 30Too few accounts with recent payment information 31 NA NAAmount owed on delinquent accounts 34 NA 34Serious delinquency, and public record or collection filed 38 38 38Serious delinquency 39 39 39Derogatory public record or collection filed 40 40 40Lack of recent auto loan information NA 97 98Length of time consumer finance company loans have been established NA 98 NA

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Form 4506-T Request for Transcript of Tax Return

(March 2019) » Do not sign this form unless all applicable lines have been completed. OMB No. 1545-1872

Department of the TreasuryInternal Revenue Service

» Request may be rejected if the form is incomplete or illegible.» For more information about Form 4506-T, visit www.irs.gov/form4506t.

Tip. Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by using our automated self-help service tools. Please visit us at IRS.gov and click on "Get a Tax Transcript..." under "Tools" or call 1-800-908-9946. If you need a copy of your return, use Form 4506,Request for Copy of Tax Return. There is a fee to get a copy of your return.

1a Name shown on tax return. If a joint return, enter the name shown first.AMY AMERICA

1b First social security number on tax return, individual taxpayeridentification number, or employer identification number (see instructions)500-60-2222

2a If a joint return, enter spouse's name shown on tax return. 2b Second social security number or individual taxpayer identificationnumber if joint tax return

3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code (see instructions)AMY AMERICA, 98 LILAC RD, MALVERN, PA 19355 US

4 Previous address shown on the last return filed if different from line 3 (see instructions)

5a If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party's name, address, and telephone number.C/O TAX VERIFICATION SERVICES30 EXECUTIVE PARK, SUITE 200, IRVINE, CA 92614,

5b Customer file number (if applicable) (see instructions)

Caution: If the tax transcript is being mailed to a third party, ensure that you have filled in lines 6 through 9 before signing. Sign and date the form once you have filled in theselines. Completing these steps helps to protect your privacy. Once the IRS discloses your tax transcript to the third party listed on line 5a, the IRS has no control over what thethird party does with the information. If you would like to limit the third party's authority to disclose your transcript information, you can specify this limitation in your writtenagreement with the third party.

6 Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form number per request.» 1040

a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflect changes made to theaccount after the return is processed. Transcripts are only available for the following returns: Form 1040 series, Form 1065, Form 1120, Form 1120-A, Form1120-H, Form 1120-L, and Form 1120S. Return transcripts are available for the current year and returns processed during the prior 3 processing years. Mostrequests will be processed within 10 business days . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

b Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty assessments, andadjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability and estimated tax payments.Account transcripts are available for most returns. Most requests will be processed within 10 business days . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

c Record of Account, which provides the most detailed information as it is a combination of the Return Transcript and the Account Transcript. Available forcurrent year and 3 prior tax years. Most requests will be processed within 10 business days . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

7 Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only available after June 15th.There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

8 Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from theseinformation returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript information forup to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example, W-2 information for 2011,filed in 2012, will likely not be available from the IRS until 2013. If you need W-2 information for retirement purposes, you should contact the SocialSecurity Administration at 1-800-772-1213. Most requests will be processed within 10 business days . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed with your return, you must useForm 4506 and request a copy of your return, which includes all attachments.

9 Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four years or periods, you must attachanother Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter each quarter or tax period separately.

12/31/2018 12/31/2017

Caution: Do not sign this form unless all applicable lines have been completed.Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax information requested. If therequest applies to a joint return, at least one spouse must sign. If signed by a corporate officer, 1 percent or more shareholder, partner, managing member, guardian, tax matterspartner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506-T on behalf of the taxpayer. Note: Thisform must be received by IRS within 120 days of the signature date.

Signatory attests that he/she has read the attestation clause and upon so reading declares that he/she has the authority tosign the Form 4506-T. See instructions.

Phone number of taxpayer on line1a or 2a

»

(215) 555-5555Sign Signature (see instructions) Date Here »

Title (if line 1a above is a corporation, partnership, estate, or trust)

»

Spouse's signature Date For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 37667N Form 4506-T (Rev. 3-2019)

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Form 4506-T (Rev. 3-2019) Page 2

Section references are to the Internal Revenue Code unlessotherwise noted.

Future DevelopmentsFor the latest information about Form 4506-T and its instructions,go to www.irs.gov/form4506t. Information about any recentdevelopments affecting Form 4506-T (such as legislation enactedafter we released it) will be posted on that page.

What's New. The transcripts provided by the IRS have beenmodified to protect taxpayers' privacy. Transcripts only displaypartial personal information, such as the last four digits of thetaxpayer's Social Security Number. Full financial and taxinformation, such as wages and taxable income, is shown on thetranscript.

A new optional Customer File Number field is available to usewhen requesting a transcript. You have the option of inputting anumber, such as a loan number, in this field. You can input up to 10numeric characters. The customer file number should not contain anSSN. This number will print on the transcript. The customer filenumber is an optional field and not required.

General InstructionsCaution: Do not sign this form unless all applicable lines have beencompleted.

Purpose of form. Use Form 4506-T to request tax returninformation. You can also designate (on line 5a) a third party toreceive the information. Taxpayers using a tax year beginning inone calendar year and ending in the following year (fiscal tax year)must file Form 4506-T to request a return transcript.

Note: If you are unsure of which type of transcript you need,request the Record of Account, as it provides the most detailedinformation.

Tip. Use Form 4506, Request for Copy of Tax Return, to requestcopies of tax returns.

Automated transcript request. You can quickly request transcriptsby using our automated self-help service tools. Please visit us atIRS.gov and click on "Get a Tax Transcript..." under "Tools" or call1-800-908-9946.

Where to file. Mail or fax Form 4506-T to the address below forthe state you lived in, or the state your business was in, when thatreturn was filed. There are two address charts: one for individualtranscripts (Form 1040 series and Form W-2) and one for all othertranscripts.

If you are requesting more than one transcript or other productand the chart below shows two different addresses, send yourrequest to the address based on the address of your most recentreturn.

Chart for individual transcripts(Form 1040 series and Form W-2and Form 1099)

If you filed anindividual returnand lived in:

Mail or fax to:

Alabama, Kentucky, Louisiana,Mississippi, Tennessee, Texas, aforeign country, AmericanSamoa, Puerto Rico, Guam, theCommonwealth of the NorthernMariana Islands, the U.S. VirginIslands, or A.P.O. or F.P.O.address

Internal Revenue ServiceRAIVS TeamStop 6716 AUSCAustin, TX 73301

855-587-9604

Alaska, Arizona, Arkansas,California, Colorado, Hawaii,Idaho, Illinois, Indiana, Iowa,Kansas, Michigan, Minnesota,Montana, Nebraska, Nevada,New Mexico, North Dakota,Oklahoma, Oregon, SouthDakota, Utah, Washington,Wisconsin, Wyoming

Internal Revenue ServiceRAIVS TeamStop 37106Fresno, CA 93888

855-800-8105

Connecticut, Delaware, Districtof Columbia, Florida, Georgia,Maine, Maryland, Massachusetts,Missouri, New Hampshire, NewJersey, New York, NorthCarolina, Ohio, Pennsylvania,Rhode Island, South Carolina,Vermont, Virginia, West Virginia

Internal Revenue ServiceRAIVS TeamStop 6705 S-2Kansas City, MO 64999

855-821-0094

Chart for all other transcriptsIf you lived in oryour businesswas in:

Mail or fax to:

Alabama, Alaska, Arizona,Arkansas, California,Colorado, Connecticut,Delaware, District ofColumbia, Florida, Georgia,Hawaii, Idaho, Illinois,Indiana, Iowa, Kansas,Kentucky, Louisiana,Maryland, Michigan,Minnesota, Mississippi,Missouri, Montana,Nebraska, Nevada, NewJersey, New Mexico, NorthCarolina, North Dakota,Ohio, Oklahoma, Oregon,Rhode Island, SouthCarolina, South Dakota,Tennessee, Texas, Utah,Virginia, Washington, WestVirginia, Wisconsin,Wyoming, a foreigncountry, American Samoa,Puerto Rico, Guam, theCommonwealth of theNorthern Mariana Islands,the U.S. Virgin Islands,A.P.O. or F.P.O. address

Internal Revenue ServiceRAIVS TeamP.O. Box 9941Mail Stop 6734Ogden, UT 84409 855-298-1145

Maine, Massachusetts, NewHampshire, New York,Pennsylvania, Vermont

Internal Revenue ServiceRAIVS TeamStop 6705 S-2Kansas City, MO 64999 855-821-0094

Line 1b. Enter your employer identification number (EIN) if yourrequest relates to a business return. Otherwise, enter the firstsocial security number (SSN) or your individual taxpayeridentification number (ITIN) shown on the return. For example, ifyou are requesting Form 1040 that includes Schedule C (Form1040), enter your SSN.

Line 3. Enter your current address. If you use a P.O. box, includeit on this line.

Line 4. Enter the address shown on the last return filed if differentfrom the address entered on line 3.

Note: If the addresses on lines 3 and 4 are different and you havenot changed your address with the IRS, file Form 8822, Changeof Address. For a business address, file Form 8822-B, Change ofAddress or Responsible Party - Business.

Line 5b. Enter up to 10 numeric characters to create a uniquecustomer file number that will appear on the transcript. Thecustomer file number should not contain an SSN. Completion ofthis line is not required.

Note. If you use an SSN, name or combination of both, we willnot input the information and the customer file number will beblank on the transcript.

Line 6. Enter only one tax form number per request.

Signature and date. Form 4506-T must be signed and dated bythe taxpayer listed on line 1a or 2a. The IRS must receive Form4506-T within 120 days of the date signed by the taxpayer or itwill be rejected. Ensure that all applicable lines are completedbefore signing.

You must check the box in the signature areato acknowledge you have the authority tosign and request the information. The formwill not be processed and returned to you ifthe box is unchecked.

Individuals. Transcripts of jointly filed tax returns may befurnished to either spouse. Only one signature is required. SignForm 4506-T exactly as your name appeared on the originalreturn. If you changed your name, also sign your current name.

Corporations. Generally, Form 4506-T can be signed by:(1) an officer having legal authority to bind the corporation,(2) any person designated by the board of directors or othergoverning body, or (3) any officer or employee on writtenrequest by any principal officer and attested to by thesecretary or other officer. A bona fide shareholder of recordowning 1 percent or more of the outstanding stock of thecorporation may submit a Form 4506-T but must providedocumentation to support the requester's right to receive theinformation.

Partnerships. Generally, Form 4506-T can be signed byany person who was a member of the partnership during anypart of the tax period requested on line 9.

All others. See section 6103(e) if the taxpayer has died, isinsolvent, is a dissolved corporation, or if a trustee, guardian,executor, receiver, or administrator is acting for the taxpayer.

Note: If you are Heir at law, Next of kin, or Beneficiary youmust be able to establish a material interest in the estate ortrust.

Documentation. For entities other than individuals, you mustattach the authorization document. For example, this could bethe letter from the principal officer authorizing an employeeof the corporation or the letters testamentary authorizing anindividual to act for an estate.

Signature by a representative. A representative can signForm 4506-T for a taxpayer only if the taxpayer hasspecifically delegated this authority to the representative onForm 2848, line 5. The representative must attach Form 2848showing the delegation to Form 4506-T.

Privacy Act and Paperwork Reduction Act Notice.We ask for the information on this form to establish yourright to gain access to the requested tax information under theInternal Revenue Code. We need this information to properlyidentify the tax information and respond to your request. Youare not required to request any transcript; if you do request atranscript, sections 6103 and 6109 and their regulationsrequire you to provide this information, including your SSNor EIN. If you do not provide this information, we may not beable to process your request. Providing false or fraudulentinformation may subject you to penalties.

Routine uses of this information include giving it to theDepartment of Justice for civil and criminal litigation, andcities, states, the District of Columbia, and U.S.commonwealths and possessions for use in administeringtheir tax laws. We may also disclose this information to othercountries under a tax treaty, to federal and state agencies toenforce federal nontax criminal laws, or to federal lawenforcement and intelligence agencies to combat terrorism.

You are not required to provide the information requestedon a form that is subject to the Paperwork Reduction Actunless the form displays a valid OMB control number. Booksor records relating to a form or its instructions must beretained as long as their contents may become material in theadministration of any Internal Revenue law. Generally, taxreturns and return information are confidential, as required bysection 6103.

The time needed to complete and file Form 4506-T willvary depending on individual circumstances. The estimatedaverage time is: Learning about the law or the form, 10min.; Preparing the form, 12 min.; and Copying,assembling, and sending the form to the IRS, 20 min.

If you have comments concerning the accuracy of thesetime estimates or suggestions for making Form 4506-Tsimpler, we would be happy to hear from you. You can writeto:

Internal Revenue Service Tax Forms and Publications Division 1111 Constitution Ave. NW, IR-6526 Washington, DC 20224

Do not send the form to this address. Instead, see Where tofile on this page.

3000000747

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Itemization of Fees AMERICA

Loan #: 3000000747Date: JUNE 18, 2019




The following is a list of fees which are anticipated to be charged in connection with your loan.

Fees to Be Paid on Your Account by You or Others

Paid by S* Seller L* Lender K* Broker R* Branch O* OtherPaid Outsideof Closing

Amounts Paidby Others

AmountsPaid by You

ADMINISTRATION FEE $795.00BROKER COMPENSATION $1,200.00 (L*)

APPRAISAL FEE $149.00CREDIT REPORT to UNIVERSAL CREDIT SERVICES, LLC. $2.75DOCUMENT PREP FEE to DOCUTECH $26.50FLOOD CERTIFICATION FEE to UCS $6.00TITLE - ELECTRONIC DOCUMENT DELIVERY FEE to DOCUTECH $2.50TITLE - O & E PROPERTY REPORT to TITLE 365 $107.00TITLE - RECORDING SERVICE FEE to TITLE 365 $25.00TITLE - SETTLEMENT FEE (NOTARY) to TITLE 365 $145.00TITLE - WIRE/DISBURSEMENT FEE to TITLE 365 $100.00MORTGAGE RECORDING $177.75Prepaid Interest ($14.99 per day from 7/19/19 to 8/1/19) $194.87

Acknowledgment

I/We, the Borrower(s), hereby acknowledge receipt of this Itemization.


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THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT AMERICA

Loan #: 3000000747MIN: 101369830000007477

Date: JUNE 18, 2019




The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on thebasis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enterinto a binding contract); because all or part of the applicant's income derives from any public assistance program; orbecause the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federalagency that administers compliance with this law concerning this creditor is the Federal Trade Commission.

If you have questions about your rights, or if you wish to file a complaint, contact the management of this financialinstitution or:

FEDERAL TRADE COMMISSIONEQUAL CREDIT OPPORTUNITYWASHINGTON, D.C. 20580

ACKNOWLEDGMENT OF RECEIPT

I(we) received a copy of this notice.


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Additional Details for Services You Can Shop ForAMERICALoan #: 3000000747MIN: 101369830000007477

To get you started with shopping, this list identifies some providers for the services you can shop for (see Section C on page 2 of yourLoan Estimate).

Service Provider List You can select these providers or shop for your own providers.

Service Provider We Identified Contact Information

O & E PROPERTY REPORT

WIRE/DISBURSEMENT FEE

RECORDING SERVICE FEE

SETTLEMENT FEE (NOTARY)

TITLE 365

5000 BIRCH ST, SUITE 300NEWPORT BEACH, CA 92660

(877) 365-9365

Homeowner's InsuranceFlood Insurance

Spring Select, LLC 987 Old Eagle School Rd.Ste 707Wayne, PA 19087(833)-277-7464

1 1APPLICANTS: AMY AMERICA DATE ISSUED: 06/18/2019 LOAN ID # 3000000747

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SPRING EQ2929 ARCH STREET SUITE 500 · PHILADELPHIA, PA 19104 Save this Loan Estimate to compare with your Closing Disclosure.

Loan EstimateDATE ISSUED 06/18/2019APPLICANTS AMY AMERICA

98 LILAC RDMALVERN, PA 19355

PROPERTY 98 LILAC RDMALVERN, PA 19355

EST. PROP. VALUE $375,000

LOAN TERM 30 yearsPURPOSE Home Equity LoanPRODUCT STANDALONE FIXED 2NDLOAN TYPE Conventional FHA VA LOAN ID# 3000000747RATE LOCK NO YES, until 07/18/2019 AT 08:00 P.M EDT

Before closing, your interest rate, points, and lender credits canchange unless you lock the interest rate. All other estimatedclosing costs expire on 07/03/2019 AT 08:00 P.M EDT

Loan Terms Can this amount increase after closing?

Loan Amount $80,000 NO

Interest Rate 6.839% NO

Monthly Principal & InterestSee Projected Payments below for yourEstimated Total Monthly Payment

$523.62 NO

Does the loan have these features?

Prepayment Penalty NO

Balloon Payment NO

Projected Payments

Payment Calculation Years 1-30

Principal & Interest $523.62

Mortgage Insurance + 0

Estimated EscrowAmount can increase over time + 0

Estimated TotalMonthly Payment $523.62

Estimated Taxes, Insurance& AssessmentsAmount can increase over time

$100a month

This estimate includes In escrow? Property Taxes NO Homeowner's Insurance NO Other:

See Section G on page 2 for escrowed property costs. You must pay for otherproperty costs separately.

Costs at Closing

Estimated Closing Costs $1,733 Includes $1,360 in Loan Costs + $373 in Other Costs - $0in Lender Credits. See page 2 for details.

Estimated Cash to Close $78,267 Includes Closing Costs. See Calculating Cash to Close on page 2 for details. From To Borrower

1 3Visit www.consumerfinance.gov/mortgage-estimate for general information and tools.

18565.680 LOAN ESTIMATE PAGE OF · LOAN ID # 3000000747

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Closing Cost Details

Loan Costs

A. Origination Charges $795

% of Loan Amount (Points) ADMINISTRATION FEE $795

B. Services You Cannot Shop For $188APPRAISAL FEE $149CREDIT REPORT $3DOCUMENT PREP FEE $27FLOOD CERTIFICATION FEE $6TITLE – ELECTRONIC DOCUMENT DELIVERY FEE $3

C. Services You Can Shop For $377TITLE – O & E PROPERTY REPORT $107TITLE – RECORDING SERVICE FEE $25TITLE – SETTLEMENT FEE (NOTARY) $145TITLE – WIRE/DISBURSEMENT FEE $100

D. TOTAL LOAN COSTS (A + B + C) $1,360

Other Costs

E. Taxes and Other Government Fees $178

Recording Fees and Other Taxes $178Transfer Taxes

F. Prepaids $195Homeowner's Insurance Premium ( months) Mortgage Insurance Premium ( months) Prepaid Interest ($14.99 per day for 13 days @ 6.839%) $195Property Taxes ( months)

G. Initial Escrow Payment at Closing Homeowner's Insurance per month for mo. Mortgage Insurance per month for mo. Property Taxes per month for mo.

H. Other

I. TOTAL OTHER COSTS (E + F + G + H) $373

J. TOTAL CLOSING COSTS $1,733D + I $1,733Lender Credits

Calculating Cash to Close

Loan Amount $80,000Total Closing Costs (J) -$1,733Estimated Total Payoffs and Payments $0

Estimated Cash to Close From To Borrower $78,267

Estimated Closing Costs Financed(Paid from your Loan Amount) $1,733

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Additional Information About This Loan

LENDER SPRING EQNMLS / LICENSE ID 1464945LOAN OFFICER NMLS / LICENSE ID EMAIL PHONE 215-391-1200

MORTGAGE BROKER SPRING EQ, LLCNMLS / LICENSE ID 1464945LOAN OFFICER MEHEDI SHEMANTONMLS / LICENSE ID 294315EMAIL [email protected] (215) 555-5555

Comparisons Use these measures to compare this loan with other loans.

In 5 Years$32,971 Total you will have paid in principal, interest, mortgage insurance, and loan costs.

$4,826 Principal you will have paid off.

Annual Percentage Rate (APR) 6.975% Your costs over the loan term expressed as a rate. This is not your interest rate.

Total Interest Percentage (TIP) 135.873% The total amount of interest that you will pay over the loan term as apercentage of your loan amount.

Other Considerations

Assumption If you sell or transfer this property to another person, we will allow, under certain conditions, this person to assume this loan on the original terms. will not allow assumption of this loan on the original terms.

Homeowner'sInsurance

This loan requires homeowner's insurance on the property, which you may obtain from acompany of your choice that we find acceptable.

Late Payment If your payment is more than 15 days late, we will charge a late fee of 5% of the overdue monthly principaland interest payment.

Refinance Refinancing this loan will depend on your future financial situation, the property value, andmarket conditions. You may not be able to refinance this loan.

Servicing We intend to service your loan. If so, you will make your payments to us. to transfer servicing of your loan.

Confirm Receipt

By signing, you are only confirming that you have received this form. You do not have to accept this loan because you have signed orreceived this form.

AMY AMERICA Date

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Notice of Intent to Proceed with Loan Application AMERICA

Loan #: 3000000747MIN: 101369830000007477

Date: JUNE 18, 2019




NOTE: SIGN THIS FORM ONLY IF YOU WISH TO PROCEED WITH THE LOAN APPLICATIONCOVERED BY THE LOAN ESTIMATE. IF YOU WISH TO PROCEED, PLEASE RETURN A SIGNEDAND DATED COPY OF THIS NOTICE OF INTENT TO PROCEED TO THE LOAN ORIGINATOR.

Each of the undersigned Borrower(s), having received a copy of a Loan Estimate ("LE"), dated JUNE 18, 2019,hereby expresses his or her intention to continue with the loan application covered by the LE.


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AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENTHOMEOWNER'S INSURANCE

AMERICALoan #: 3000000747MIN: 101369830000007477

DATE: JUNE 18, 2019

BORROWER NAME: AMY AMERICA ("Applicant")

PROPERTY ADDRESS: 98 LILAC RD, MALVERN, PA 19355

The purpose of this Disclosure Statement is to provide Applicant notice that SPRING EQ, LLC has a business relationship withSpring Select, LLC (Agency). The Agency is a partially owned subsidiary of SPRING EQ, LLC. Because of this relationship, thisreferral may provide SPRING EQ, LLC a financial or other benefit.

The Agency is an insurance agent which provides, among other products, homeowner's and flood insurance. Applicant may receive aninsurance quote on the Property from the Agency. Set forth below is an estimated range of charges for the settlement services listed.Applicant is NOT required to use Spring Select, LLC as a condition for the settlement of your loan on the Property. THERE AREFREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES.APPLICANT IS FREE TO SHOP AROUND TO DETERMINE THAT APPLICANT IS RECEIVING THE BESTSERVICES AND THE BEST RATE FOR THESE SERVICES.

Settlement Service Estimated Range of Charges - Annual Premium

Hazard Insurance 0.2% - 2.5% of Home Price

Flood Insurance 0.1% - 1.0% of Home Price

NOTE: The cost of Applicant's homeowner's and flood insurance may vary due to many factors including the size, location, and costof the Property. Actual quote and acceptance by Agency is subject to application of the Agency's underwriting guidelines. Ifenhancements to the policy such as increased limits, scheduled articles, or earthquake coverage are required, then the premium mayincrease.

This Disclosure Statement is provided to Applicant pursuant to 12 CFR Section 1024.

ACKNOWLEDGMENT: Applicant has read this Disclosure Statement and understands that SPRING EQ, LLC is referringApplicant to purchase the settlement services described above from Agency and that SPRING EQ, LLC may receive a financial orother benefit as the result of this referral.


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List of Homeownership Counseling OrganizationsDate: JUNE 18, 2019



AMERICALoan #: 3000000747MIN: 101369830000007477


The counseling agencies on this list are approved by the U.S. Department of Housing and Urban Development (HUD), and they canoffer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives andcircumstances, often at little or no cost to you. This list shows you several approved agencies in your area. You can find otherapproved counseling agencies at the Consumer Financial Protection Bureau's (CFPB) website: consumerfinance.gov/mortgagehelp orby calling 1-855-411-CFPB (2372). You can also access a list of nationwide HUD-approved counseling intermediaries athttp://portal.hud.gov/hudportal/HUD?src=/ohc_nint.

10 LOCATIONS CLOSEST TO ZIP CODE 19355

1. CCCS OF DELAWARE VALLEY, INC. DBA CLARIFI479 THOMAS JONES WAYSUITE 500EXTON, PA 19341-2580

Distance6.40 miles

Website: WWW.CLARIFI.ORGPhone: 800-989-2227Email Address: [email protected]: CANTONESE, ENGLISH, SPANISH

Services: MORTGAGE DELINQUENCY AND DEFAULT RESOLUTION COUNSE, FINANCIAL MANAGEMENT/BUDGETCOUNSELING, SERVICES FOR HOMELESS COUNSELING, NON-DELINQUENCY POST PURCHASE WORKSHOPS, PRE-PURCHASE COUNSELING, PRE-PURCHASE HOMEBUYER EDUCATION WORKSHOPS, RENTAL HOUSING COUNSELING

2. HOUSING PARTNERSHIP OF CHESTER COUNTY41 W LANCASTER AVEDOWNINGTOWN, PA 19335-2846

Distance9.50 miles

Website: HTTP://WWW.HOUSINGPARTNERSHIPCC.COMPhone: 610-518-1522Email Address: [email protected]: ENGLISH, SPANISH

Services: FINANCIAL MANAGEMENT/BUDGET COUNSELING, PREDATORY LENDING EDUCATION WORKSHOPS, PRE-PURCHASE COUNSELING, PRE-PURCHASE HOMEBUYER EDUCATION WORKSHOPS

3. MEDIA FELLOWSHIP HOUSE302 S JACKSON STMEDIA, PA 19063-3714

Distance11.60 miles

Website: HTTP://WWW.MEDIAFELLOWSHIPHOUSE.ORGPhone: 610-565-0434Email Address: [email protected]: ENGLISH

Services: MORTGAGE DELINQUENCY AND DEFAULT RESOLUTION COUNSE, NON-DELINQUENCY POST PURCHASEWORKSHOPS, PREDATORY LENDING EDUCATION WORKSHOPS, PRE-PURCHASE COUNSELING, PRE-PURCHASE HOMEBUYEREDUCATION WORKSHOPS

4. GENESIS HOUSING CORPORATION1430 DEKALB STREETSUITE 2020NORRISTOWN, PA 19401-3406

Distance12.00 miles

Website: HTTP://WWW.GENESISHOUSING.ORGPhone: 610-275-4357Email Address: [email protected]: ENGLISH

Services: MORTGAGE DELINQUENCY AND DEFAULT RESOLUTION COUNSE, FINANCIAL MANAGEMENT/BUDGETCOUNSELING, FINANCIAL, BUDGETING AND CREDIT REPAIR WORKSHOPS, NON-DELINQUENCY POST PURCHASEWORKSHOPS, PRE-PURCHASE COUNSELING, PRE-PURCHASE HOMEBUYER EDUCATION WORKSHOPS

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5. CCCS OF DELAWARE VALLEY, INC. DBA CLARIFI8600 WEST CHESTER PIKESUITE 207UPPER DARBY, PA 19082-2629

Distance14.20 miles

Website: WWW.CLARIFI.ORGPhone: 800-989-2227Email Address: [email protected]: ENGLISH

Services: MORTGAGE DELINQUENCY AND DEFAULT RESOLUTION COUNSE, FINANCIAL MANAGEMENT/BUDGETCOUNSELING, SERVICES FOR HOMELESS COUNSELING, NON-DELINQUENCY POST PURCHASE WORKSHOPS, PRE-PURCHASE COUNSELING, PRE-PURCHASE HOMEBUYER EDUCATION WORKSHOPS, RENTAL HOUSING COUNSELING

6. AMERICAN CREDIT COUNSELING INSTITUTE100 PORTER RD STE 108POTTSTOWN, PA 19464-3240

Distance14.50 miles

Website: HTTP://WWW.AMERICANCCI.ORG/PENN/Phone: 888-212-6741Email Address: [email protected]: ENGLISH, SPANISH

Services: MORTGAGE DELINQUENCY AND DEFAULT RESOLUTION COUNSE, RESOLVING/PREVENTING MORTGAGEDELINQUENCY WORKSHOP, FINANCIAL MANAGEMENT/BUDGET COUNSELING, FINANCIAL, BUDGETING AND CREDITREPAIR WORKSHOPS, FAIR HOUSING PRE-PURCHASE EDUCATION WORKSHOPS, PREDATORY LENDING EDUCATIONWORKSHOPS, PRE-PURCHASE COUNSELING, PRE-PURCHASE HOMEBUYER EDUCATION WORKSHOPS

7. CHESTER COMMUNITY IMPROVEMENT PROJECT412 AVENUE OF THE STATESCHESTER, PA 19013-4404

Distance16.30 miles

Website: HTTP://WWW.CCIPHOUSING.ORGPhone: 610-876-8663Email Address: [email protected]: ENGLISH

Services: MORTGAGE DELINQUENCY AND DEFAULT RESOLUTION COUNSE, HOME IMPROVEMENT AND REHABILITATIONCOUNSELING, NON-DELINQUENCY POST PURCHASE WORKSHOPS, PREDATORY LENDING EDUCATION WORKSHOPS, PRE-PURCHASE COUNSELING, PRE-PURCHASE HOMEBUYER EDUCATION WORKSHOPS, RENTAL HOUSING COUNSELING,RENTAL HOUSING WORKSHOPS

8. INTERCOMMUNITY ACTION, INC. D/B/A INTERACT, JOURNEY'S WAY403 RECTOR STPHILADELPHIA, PA 19128-3522

Distance16.90 miles

Website: HTTP://WWW.INTERCOMMUNITYACTION.ORGPhone: 215-487-1750Email Address: NOT AVAILABLELanguages: ENGLISH

Services: MORTGAGE DELINQUENCY AND DEFAULT RESOLUTION COUNSE, FINANCIAL MANAGEMENT/BUDGETCOUNSELING, FINANCIAL, BUDGETING AND CREDIT REPAIR WORKSHOPS, HOME IMPROVEMENT AND REHABILITATIONCOUNSELING, RENTAL HOUSING COUNSELING

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9. PHILADELPHIA COUNCIL FOR COMMUNITY ADVANCEMENT5218 W. MASTER ST.PHILADELPHIA, PA 19131-4323

Distance16.90 miles

Website: HTTP://WWW.PCCAHOUSING.ORGPhone: 215-567-7803Email Address: [email protected]: ENGLISH, SPANISH

Services: MORTGAGE DELINQUENCY AND DEFAULT RESOLUTION COUNSE, RESOLVING/PREVENTING MORTGAGEDELINQUENCY WORKSHOP, FINANCIAL MANAGEMENT/BUDGET COUNSELING, FINANCIAL, BUDGETING AND CREDITREPAIR WORKSHOPS, FAIR HOUSING PRE-PURCHASE EDUCATION WORKSHOPS, HOME IMPROVEMENT ANDREHABILITATION COUNSELING, SERVICES FOR HOMELESS COUNSELING, NON-DELINQUENCY POST PURCHASEWORKSHOPS, PREDATORY LENDING EDUCATION WORKSHOPS, PRE-PURCHASE COUNSELING, PRE-PURCHASE HOMEBUYEREDUCATION WORKSHOPS, RENTAL HOUSING COUNSELING, RENTAL HOUSING WORKSHOPS

10. SOUTHWEST CDC6328 PASCHALL AVENUEPHILADELPHIA, PA 19142-2315

Distance17.90 miles

Website: WWW.SOUTHWESTCDC.ORGPhone: 215-729-0800-104Email Address: [email protected]: ENGLISH, SPANISH

Services: MORTGAGE DELINQUENCY AND DEFAULT RESOLUTION COUNSE, FINANCIAL MANAGEMENT/BUDGETCOUNSELING, FAIR HOUSING PRE-PURCHASE EDUCATION WORKSHOPS, PRE-PURCHASE COUNSELING, PRE-PURCHASEHOMEBUYER EDUCATION WORKSHOPS, RENTAL HOUSING COUNSELING

LIST UPDATED 06/17/2019

By signing below, you acknowledge receipt of this list.


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FAIR CREDIT REPORTING ACT NOTICE

AMERICALoan #: 3000000747MIN: 101369830000007477

We advise that an investigation may be made regarding information as to the character, general reputation, personalcharacteristics and mode of living. Information on the nature and scope of the report is available upon writtenrequest.

Receipt is hereby acknowledged of the Fair Credit Reporting Act Notice and the Settlement Cost Booklet (A Guidefor Home Buyers.),

PRIVACY ACT NOTICE

This is to notify you as required by the Rights of Financial Privacy Act of 1978 that VA or HUD/FHA has the rightof access to financial records held by financial institutions in connection with the consideration or administration ofassistance to you. Financial records involving your transaction will be available to VA and HUD/FHA withoutfurther notice or authorization but will not be disclosed or released to another Government Agency or Departmentwithout your consent except as required or permitted by law.

EQUAL CREDIT OPPORTUNITY NOTICE

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on thebasis of race, color, religion, national origin, sex, marital status or age (provided that the applicant has the capacityto enter into a binding contract); because all or part of the applicant's income has been derived from any publicassistance program; or because the applicant has, in good faith, exercised any right under the Consumer CreditProtection Act. The Federal Agency that Administers compliance with this law concerning this creditor is: FederalTrade Commission, Equal Credit Opportunity, 600 Pennsylvania Ave NW, Washington, DC 20580.

I HEREBY ACKNOWLEDGE RECEIPT OF THESE NOTICES

Date: JUNE 18, 2019


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Borrower's Certification & Authorization

Date: JUNE 18, 2019

AMERICALoan #: 3000000747MIN: 101369830000007477

CertificationIn this document, "I," "me," and other first person pronouns refer to the borrower(s), whether singularly or collectively, who applied for the loan referenced above.

I, the undersigned, hereby certify the following:

1. I have applied for a mortgage loan to be arranged, but not funded, by SPRING EQ, LLC. In applying for the loan, I have completed aloan application containing various information on the purpose of the loan, the amount and source of the down payment, employmentand income information, and assets and liabilities. I certify that all of the information is true and complete. I made nomisrepresentations in the loan application or other documents, nor did I omit any pertinent information.

2. I understand that most loans require a full review of information provided on the application, including possible verification of theinformation. I agree that if my loan program does not require full documentation, SPRING EQ, LLC reserves the right to change themortgage loan review process to a full documentation review. This may include verifying the information provided on the applicationwith any employer and/or any financial institution.

3. I fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements whenapplying for a mortgage, as applicable under the provisions of 18 USCA §1014.

4. I provided a verbal and/or written authorization to order a consumer credit report and verify other credit related information inconnection with my loan application, including but not limited to any mortgage or landlord reference and any other source of credit asdetermined by SPRING EQ, LLC.

5. I further authorize SPRING EQ, LLC to order a consumer credit report and verify other credit related information in connection withmy loan application, including but not limited to any mortgage or landlord reference and any other source of credit as determined bySPRING EQ, LLC. I understand that the purpose for this order is for SPRING EQ, LLC to determine my eligibility andcreditworthiness for the loan being applied for, as well as for other legitimate purposes associated with my account.

6. I understand, acknowledge, and consent to the fact that all calls, current and future, to and from SPRING EQ, LLC may be recordedfor quality training purposes.

Authorization to Release InformationTo Whom It May Concern:

1. I have applied for a mortgage loan to be arranged, but not funded, by SPRING EQ, LLC. As part of the application process, SPRINGEQ, LLC and the mortgage guaranty insurer (if any), may verify information contained in my loan application and in other documentsrequired in connection with the loan, including accessing a new credit report, either before the loan is closed or as part of its qualitycontrol program.

2. I authorize you to provide to SPRING EQ, LLC, to any investor to whom a lender may sell my mortgage, and to the mortgageguaranty insurer (if any), any and all information and documentation that they request. Such information includes, but is not limited to,employment history and income; bank, money market, and similar account balances; credit history; and copies of income tax returns.

3. SPRING EQ, LLC, any investor to whom a lender may sell my mortgage, or the mortgage guaranty insurer (if any), may address thisauthorization to any party named in the loan application.

4. A copy of this authorization may be accepted as an original.5. Your prompt reply to SPRING EQ, LLC, the investor who purchases my mortgage, or the mortgage guaranty insurer (if any) is

appreciated.6. Mortgage guaranty insurer (if any): N/A7. In order to verify my legal ownership and facilitate the process, I authorize you to provide any title agent of SPRING EQ, LLC,

including Title365 a partner of SPRING EQ, LLC, any and all information that they may request including, but not limited to:insurance policies, loan verification, debts, payoffs, lines of credit, subordinations, or judgments. In order to obtain/verify the accurateMortgage Payee in the homeowner's insurance policy, I authorize you to provide any insurance agent of SPRING EQ, LLC, includingSpring Select LLC, an affiliate of SPRING EQ, LLC, any and all information that they may request including, but not limited toinsurance policies, replacement cost estimates, and payment status. Also as deemed necessary by SPRING EQ, LLC in order tosuccessfully process my application, if any account is a Home Equity Line of Credit, I further authorize the FREEZING of theaccount(s) so no additional amounts may be charged against the account.

8. I authorize you to share certain information regarding my loan with any servicer, subservicer, or interim servicer on any mortgage onwhich I or any co-borrower may be obligated.

ExecutionBy signing below, I hereby certify and authorize (as applicable) the foregoing items of information.

SSN: XXX-XX-2222- BORROWER- AMY AMERICA - DATE -

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Documents

Review - Spring EQ EQ Fixed Rate Initial...VI. ASSETS AND LIABILITIES (cont'd) Name and address of Bank, S&L, or Credit Union Acct. no. Acct. no. € Stocks & Bonds (Company name