APR Finance Charges If Paid To: Include In Test

1 APR / Finance ChargesFees Listed on HUD 1 Lender/Broker/Affiliate Title/Closing Govt OtherAPR / Finance Charge CommentsHOEPA*GSE**HOEPA / GSE Comments2nd/ Second Mortgage FeeYESYESYESYESYESYESA bandonment (of Homestead)NONONONONONOA bstract of title searchNONONONOT itle FeeNONOA ccommodation FeeYESYESNOYESNot a Finance charge if paid to a government entityrefer to APR test YesDo not Include if this is NOT a Finance chargeAdditional ChecksYESYESYESYESYESYESA dditional Work Charge 2nd ProcessingYESYESYESYESYESYESA dmin/Courier/Fax/Cope FeeYESYESYESYESSame as Overnight Fees, Express Mail Fees, Delivery Fee FeeYESYESYESYESYESYESA ffidavitsYESYESNOYESNot a Finance charge if for Affidavit recording (paid to Govt entity) or for document preparationrefer to APR test YES Do not Include if this is NOT a Finance chargeAgency Fee (FHA)YES YESYESYESYESYESALTA FeeNONOA mortization Schedule FeeYESYESYESYESYESYESA nnual AssessmentsNONONONOT axesNONOA nnual FeeYESYESYESYESFor HELOCs not a Finance charge unless based on usage.

2 For CE Always a Finance ChargeYESYESA pplication FeeYESYESYESYESYESYESA ppraisal Desk ReviewYESYESYESNONot a Finance charge if paid to an appraiserrefer to APR testNOAppraisal FeeNONONONONONOA ppraisal Field ReviewYESYESYESNONot a Finance charge if paid to an appraiserrefer to APR testNOAppraisal ReviewYESYESYESNONot a Finance charge if paid to an appraiserrefer to APR testNOArchiving FeeYESYESYESYESYESYESA ssessment Search FeeNONONONOT itle FeeNONOA ssignment Recording FeeYESYESYESYESYESYESA ssumption FeeYESYESYESYESYESYESA ttorney's FeeYESYESYESYESSame as Settlement or Escrow or ClosingYESNOA utomated UnderwritingYESYESYESYESYESYESA utomated Valuation Model (AVM)YESYESYESYESYESYESB ankruptcy Service FeeNONONONONONOB roker Admin FeeYESYESYESYESYESYESB roker Appraisal (BPO)YESYESYESYESYESYESB roker FeeYESYESYESYESYESYESB roker Processing FeeYESYESYESYESYESYESB uilding PermitNONONONONONOBuy down Paid by BorrowerYESYESYESYESYESYESC ancel Existing Loan FeeYESYESYESYESYESYESC apital ContributionYESYESYESNONot a Finance charge if paid to HOArefer to APR test YESCEMAYESYESYESYESYESYESC ertificate of ReleaseYESYESNOYESNot a Finance charge if paid by someone other than the borrowerrefer to APR test YESC ertified Copies to RegistryNONONONOT itle FeeNONOCES/Closed End SecondYESYESYESYESYESYESC heck Processing FeeYESYESYESYESYESYESCity Property TaxesNONONONONONOCity/County Tax/StampsNONONONONONOCLOYESYESNOYESNot a Finance charge if paid to a government entity for recordingrefer to APR test YESC losing FeeYESYESNOYESSame as settlement or Escrow or AttorneyYESYESC losing letterYESYESYESYESYESYESC losing Protection LetterYESYESYESYESYESYESC losing Protection PremiumNONONONOT itle FeeNONOC losing Service

3 LetterYESYESYESYESYESYESC ombo FeeYESYESYESYESYESYESC ommitment FeeYESYESYESYESYESYESC ompliance Cert/Reg CopyYESYESYESYESYESYESCON/MODYESYESYESNO Not a Finance charge if paid to HOArefer to APR test YESC oncurrent Junior Mortgage Escrow FeeYESYESYESYESYESYESC ondo PUD Approval FeeYESYESYESYESYESYESC ondo Questionnaire FeeYESYESYESYESYESYESC onservation FeeYESYESYESYESNot a Finance charge if required by the state to be charged to the borrowerYESYESC onstruction Admin FeeYESYESYESYESYESYESC ontingency FeeNONONONONONOCopy or Fax FeeYESYESYESYESYESYESCost to BrokerYESYESYESYESYESYESC ounty Property TaxesNONONONONONOC ounty Surcharge FeeNONONONONONOC ounty TaxesNONONONONONOC ourier FeeYESYESYESYESSame as Overnight Fees, Express Mail Fees, Delivery Fee ReportNONONONONONODeed of Trust (DOT) ReleaseYESYESNOYESNot a Finance charge if paid to a government entityrefer to APR test YES Do not Include if this is NOT a Finance chargeDeed Prep FeeNONONONONONOD emand FeeYESYESYESYESNot a Finance charge if for payoff of old loanYESYESD esktop Underwriting FeeYESYESYESYESYESYESD igital DocsYESYESYESYESYESYESD isbursement FeeYESYESYESYESYESYESD ischarge of MortgageYESYESNOYESNot a Finance charge if paid to a government entityrefer to APR test YES Do not Include if this is NOT a Finance chargeDiscount Fee / Discount PointsYESYESYESYESYESNOUp to 2 bona fide discount points ONLY, anything above 2 bona fide points is included Doc ImagingYESYESYESYESYESYESDoc Service FeeYESYESYESYESYESYESD ocufileYESYESYESYESYESYESD ocument CertificationYESYESYESYESYESYESD ocument FeeYESYESYESYESNot a Finance charge if for Doc Preparation.

4 And if bona fide and reasonable in amountYESYESDo not Include if this is NOT a Finance chargeDocument Fee (Email or Processing)YESYESYESYESYESYESD ocument Handling FeeYESYESYESYESYESYESD ocument Maintenance FeeYESYESYESYESYESYESD ocument PreparationNONONONONot a Finance charge if Doc Preparation, and if bona fide and reasonable in amountNONODo not Include if this is NOT a Finance chargeDocument ProcessingYesYESYESYESYESYESD ocument RetrievalYesYESYESYESYESYESD ocument ReviewYesYESYESYESYESYESD ocument Signing FeeYesYESYESYESYESYESD ocuserveYesYESYESYESYESYESDraw FeeYesYESYESYESHELOC fee to drawN/AYESDraw Fee (Document Preparation)YESYESYESYESNot a Finance charge if Doc Preparation, and if bona fide and reasonable in amountN/AYESDU/LP FeeYESYESYESYESYESYESD uplicate Tax BillYESYESYESYESYESYESE arly Issue FeeNONONONOI nsurance PremiumNOYESE doc FeeYESYESYESYESYESYESE lectronic Doc Delivery FeeYESYESYESYESYESYESE lectronic Recording FeeYESYESYESYESYESYESE ndorsementsNONONONOT itle FeeNONOE nvironmental Protection LienNONONONOT itle FeeNONOE quity Set Up FeeYESYESYESYESYESYES If Paid To.

5 Include In Test APR / Finance ChargesFees Listed on HUD 1 Lender/Broker/AffiliateTitle/ClosingGovt Other APR / Finance Charge CommentsHOEPA*GSE**HOEPA / GSE CommentsEscrow Accounting FeeYESYESYESYESYESYESE scrow FeeYESYESYESYES Same as Settlement or ClosingYESYESE scrow Hold Back Admin FeeYESYESYESYESYESYESE scrow Sales TaxYESYESYESYESYESYESE scrow Waiver FeeYESYESYESYESYESYESE stoppel FeeNONONONO Title FeeNONOE xpress Mail FeeYESYESYESYES For overnight delivery, shipping and handlingYESYESE xpress line Processing FeeYESYESYESYESYESYESE xtra Check ChargeYESYESYESYESYESYESFax FeeYESYESYESYESYESYESFHA 203K Termite FeeYESYESYESYES Not a Finance charge if done prior to closingYESYESFHA 203K Title Update FeeYESYESYESYES Not a Finance charge if done prior to closingYESYESFHA MIPYESYESYESYESYESYESFHA MIP ImpoundsYESYESYESYESYESYESFHLMC REO Deliver FeeYESYESYESYESYESYESFile MaintenanceYESYESYESYESYESYESF iling FeeYESYESYESYESYESYESF inal Title UpdateNONONONO Title FeeNONOF inance ChargesYESYESYESYESYESYESF lood Fee (if cert is not LOL)NONONONONot a Finance charge if for upfront flood determination onlyNONOF lood Fee (if cert is LOL)

6 YESYESYESYESF inance charge if part of fee is for life of loan monitoringYESNOF lood Insurance ServicesYESYESYESYESNot a Finance charge if for Insurance of upfront flood determinationYESNOF lood Report FeeYESYESYESYESNot a Finance charge if for Insurance of upfront flood determinationYESNOF lood/Hazard insurance PremiumsNONONONONONOF lorida Form 9 NONONONO Title FeeNONOF unding FeeYESYESYESYESYESYESGap Risk FeeYESYESYESYESYESYESG overnment Service to Commonwealth TitleYESYESYESYESYESYESHand RecordingYESYESNOYES Not a Finance charge if paid to a government entity refer to APR testNOHandling FeeYESYESYESYESYESYESH azard InsuranceNONONONONOYESH azard Insurance PremiumNONONONONOYESHELOC FeeYESYESYESYESYESYESHOA DuesNONONONONOYESI maging FeeYESYESYESYESYESYESI nspection FeeYESYESYESYESNot a Finance charge if for an Inspection of the property, and the service if performed before closingYESYESI ntangible TaxNONONONONONOI nterestYESYESYESYESNOYESI nvestor FeeYESYESYESYESYESYESITI Agent Registration FeeYESYESYESYESYESYESJ udgment FeeNONONONO Title FeeNONOJ udgment SearchNONONONO Title FeeNONOJ umbo Pool FeeYESYESYESYESYESYESJ unior Loan PolicyNONONONO Title FeeNONOL 109 PIRTNONONONO Title FeeNONOLARA AnalysisYESYESYESYESYESYESLARA EscalationYESYESYESYESYESYESL egal & VestingNONONONO Title FeeNONOL ender Direct FeeYESYESYESYESYESYESL ender FeeYESYESYESYESYESYESL ender's ConvergeNONONONO Title FeeNONOL enders Inspection FeeYESYESYESYESNot a Finance charge if for an Inspection of the property.

7 And the service if performed before closingYESYESLien Finance ReportNONONONO Title FeeNONOLien Protection InsuranceNONONONO Title FeeNONOLien SearchNONONONO Title FeeNONOL imited Realty ReportNONONONO Title FeeNONOLine Entry FeeYESYESYESYESYESYESLoan DiscountYESYESYESYESYESYESLoan FeeYESYESYESYESYESYESLoan Origination FeeYESYESYESYESYESYESLoan Package FeeYESYESYESYESYESYESLoan Package Preparation FeeYESYESYESYESYESYESLoan Review FeeYESYESYESYESYESYESLoan Tie In FeeYESYESYESYESYESYESLock In FeeYESYESYESYESYESYESM aster Service Administration FeeYESYESYESYESYESYESMCC Application FeeYESYESYESYESYESYESMCC Fee to AgencyYESYESYESYESYESYESMCC Fee to LenderYESYESYESYESYESYESM echanical LienNONONONO Title FeeNONOMERS FeeYESYESYESYESYESYESM essenger FeeYESYESYESYESSame as Overnight Fees, Express Mail Fees, Delivery Fee etcYESYESM iscellaneous Lender/Broker FeesYESYESYESYESYESYESM ortgage Certification FeeYESYESNOYESNot a Finance charge if paid to a Government entity for recording.

8 If anything is charged above what the county requires, it is a Finance chargerefer to APR testYESDo not Include if this is NOT a Finance charge Mortgage FeeYESYESYESYESYESYESM ortgage Insurance Application FeeYESYESYESYESYESNOM ortgage Insurance ImpoundsYESYESYESYESYESNOM ortgage Insurance PremiumYESYESYESYESYESNOM ortgage Insurance ServiceYESYESYESYESYESYESM ortgage Registration TaxNONONONONONOM ortgage Tax to TitleYESYESNOYESNot a Finance charge if paid to a Government entity for recording. If the tax is imposed on the Lender and passed to the borrower, it is a Finance chargerefer to APR testYESDo not Include if this is NOT a Finance charge MRB Compliance FeeYESYESYESYESYESYESMRB Funding FeeYESYESYESYESYESYESM unicipal Lien CertificateNONONONO Title FeeNONOName SearchNONONONO Title FeeNONONav ServNONONONO Title FeeNONONCHFA Processing FeeYESYESYESYESYESYESNOC RecordingYESYESNOYES Not a Finance charge if paid to Government entityrefer to APR testNONotary (Mobile) YESYESYESYES Only if Mobile NotaryYESYESN otary /SigningYESYESYESYESThe notary fee is not a Finance charge, but the signing fee is.

9 If lumped together, then the total is a Finance chargeYESYESDo not Include if this is NOT a Finance charge Notary and SigningYESYESYESYESThe notary fee is not a Finance charge, but the signing fee is. If lumped together, then the total is a Finance chargeYESYESDo not Include if this is NOT a Finance charge Notary FeesYESYESYESNONot a Finance charge if paid to the notary; if only for the notorial actionrefer to APR testYESDo not Include if this is NOT a Finance charge APR / Finance ChargesFees Listed on HUD 1 Lender/Broker/AffiliateTitle/ClosingGovt OtherAPR / Finance Charge CommentsHOEPA*GSE**HOEPA / GSE CommentsNotice of Seizure FeeYESYESYESYESYESYESN otice of SettlementYESYESYESYESYESYESNY Consolidation & ModificationYESYESYESYESYESYESO & E ReportNONONONO Title FeesNONOO btain & File Release DocumentYESYESYESYESYESYESO btain & Record Municipal LienYESYESYESYESYESYESO rder Demand StatementYESYESYESYESYESYESO rigination FeeYESYESYESYESYESYESOTC 442 ReinspectionYESYESYESYESYESYESOTC Additional Draw InspectionsYESYESYESYESYESYESOTC Foundation Title EndorsementYESYESYESYESNot a Finance charge if the title endorsement is obtained prior to closingYESYESOTC SurveyYESYESYESYESNot a Finance charge if the survey is done prior to closingYESYESO utside Loan Signing/Notary FeeYESYESYESYESThe

10 Notary fee is not a Finance charge, but the signing fee is. If lumped together, then the total is a Finance chargeYESYESO vernight FeeYESYESYESYESYESYESO wner's CoverageNONONONO Title FeeNONOP atriot Act Service FeeYESYESYESYESYESYESP ayoff Credit CardYESYESYESYESIf the fee is for the service to payoff credit cards or other debt it is a Finance chargeYESYESP ayoff Service FeeYESYESYESYESYESYESPCOR FeeYESYESYESYESYESYESPer Diem / InterestYESYESYESYESYESYESPest InspectionNONONONONONOP iggyback SecondYESYESYESYESYESYESPlan Review FeeYESYESYESYESYESYESP ointsYESYESYESYESYESYESPost Closing FeeYESYESYESYESYESYESP rivate Mortgage InsuranceYESYESYESYESYESYESP rivate Mtg Insurance ImpoundsYESYESYESYESYESYESP rivate Mtg Insurance PremiumsYESYESYESYESYESYESP rocessing FeeYESYESYESYESNot a Finance charge if paid to Nehemiah as a cost for getting the grant, this is not a cost in connection with the loanYESYESP rocessing Fee to Bond AuthorityYESYESYESYESYESYESP roperty Inspection WaiverYESYESYESYESYESYESP roperty Valuation FeeYESYESYESYESYESYESQ uality AssuranceYESYESYESYESYESYESQuit Claim DeedNONONONONONOIf Paid To: Include In TestIf Paid To: Include In TestRapid Lien FeeYESYESYESYESYESYESRec/Filing FeeYESYESNOYES Not a Finance charge if paid to a Government entityrefer to APR testNORecertification Fee 442 NONONONO 442 Certification for completionNONOR ecertification Fee to TitleNONONONO Title FeeNONOR econveyance FeeYESYESNOYESNot a Finance charge if paid to Government entity to record satisfaction on an old loan.