DOCUMENT SYSTEMS, INC. Loan Document …

1 DOCUMENT SYSTEMS, DOCUMENT worksheet #Company Name:Account No.:PLAN CODE:ALT. LENDER CODE:BROKER: loan TYPE:PURPOSE:RATE TYPE:PAYMENT TYPE: loan #MIN #:CASE #FHA SECTION NO.:APPLICATION DATE:RATE LOCK: DOCUMENT DATE:CLOSING DATE:SIGNING DATE:CANCEL DATE:DISBURSEMENT DATE: loan PROCEEDS TO:REPRESENTATIVE:BRANCH:BORROWERS/SELLE RS CORPORATE/TRUST NAME:Type* BORROWER #1 BORROWER #2:AKA/POA:AKA/POA:BORROWER #3:BORROWER #4:AKA/POA:AKA/POA:BORROWER #5:BORROWER #6:AKA/POA:AKA/POA:VESTING TO READ:MAILING ADDRESS:SELLER CORPORATE/TRUST NAME:SELLER #1: SELLER #2: SELLER ADDRESS:*TYPE: I=Individual T=Title Only O=Officer C=Co-signer A=Attorney S=Non-Title SpousePROPERTYPROPERTY ADDRESS:CITY:COUNTY:STATE:ZIP:OWNER OCCUPIED:PROPERTY TYPE: FLOOD ZONE:CONDO/PUD NAME:SECOND HOME: LEGAL DESCRIPTION:TERMSRATE TYPE:GPM TYPE:BUYDOWN TYPE:APPRAISED VALUE: $SALES PRICE: $APPROVED JR. LIENS: $ loan AMOUNT: $INITIAL INTEREST RATE%TERM: (# MOS)AMORTIZATION TERM: (# MOS)PAYMENT: $FIRST PAYMENT DATE:INT.

2 CHANGE DATE:PAYMENT CHANGE DATE:MARGIN:%CURRENT INDEX:%CEILING (MAX) RATE:%FLOOR (MIN) RATE:%INITIAL RATE CAP:%SUBSEQUENT RATE CAP:%LIFETIME RATE CAP: %HELOC: Initial Advance $Draw Period: months Repayment Period: months Annual Charge?PREPAID INTEREST:PREPAID INTEREST PAID BY:PREPAY PENALTY?PREPAY # MOS: SOFT PREPAY # MOS: ASSUMABLE?CHARGES/FEES/PREMIUMSCHARGEFEE TO*AMOUNTPD BY**POC?PART APR?MISC. CHARGE DESCRIPTIONFEE TO*AMOUNTPD BY**Appraisal Amount PaidAppraisal ReviewCredit Report Amount PaidDocumentEscrowFlood CertificationFundingMIP FinancedNotaryProcessingRec/FilingTax ServiceTitleUnderwritingWarehouseWire $ $ $ $ $ $ $ $ $ $$ $ $ $ $ $ $ $ loan FEE TYPEFEE TO*POINTSLoan Origination Fee loan Origination Fee loan Discount Fee PREMIUM TYPEY ield Adjustment Credit (Rebate) % +% +% +% +% +% +% +$$ $ $ $ $ $ $ FIXED$ $ $ $ $ $ $ PD BY** *FEE TO B=Broker L=Lender I=Investor A=Affiliate H=HUD V=VA S=Service Provider O=Other **PD BY B=Borrower S=Seller R=Broker L=Lender I=Investor O=OtherLOAN DOCUMENT WORKSHEET800-649-1362 REV.

3 09/22/06 Page 1 Type* POC?POC? H APURCHASEF ixed RateMONTHLY203(B) GEORGIACHEROKEEYesSingle FamilyNONoFixed Rate days @ No NoBorrowerYes360 SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS EXHIBIT "A". DOCUMENT SYSTEMS, DOCUMENT worksheet (continued)MISCELLANEOUS/IMPOUNDSP roperty TaxesHazard InsuranceFlood Insurance PMT/YEAR PAYMENTAMOUNT$ $ $ $ $ $ MONTHLY$ $ $ $ $ $ DUE DATE # MOS 1ST Year PMI PremiumRenewal Rate(Years 2-10) or TermPMI 2nd Renewal Rate(Years 11-Term) or TermAggregate Adjust.$ % % $ CLOSING/TITLE/OTHER SERVICE PROVIDERSCLOSING CO.: OFFICER:CLOSING #:ADDRESS:PHONE NUMBER:TITLE CO.: OFFICER:ORDER #:ADDRESS:PHONE NUMBER:REPORT DATE:PARCEL #:TAX MESSAGE:ENDORSEMENTS:APPROVED ITEMS:CLOSING COUNTY:TYPE:COMPANY NAME:ADDRESS:PHONE NUMBER:CONTACT:REF. NUMBERRELATION CODE:TYPE:COMPANY NAME:ADDRESS:PHONE NUMBER:CONTACT:REF. NUMBERRELATION CODE:TYPE:COMPANY NAME:ADDRESS:PHONE NUMBER:CONTACT:REF.

4 NUMBERRELATION CODE:CLOSING INSTRUCTIONSBENEFICIARY/TRUSTEEBENEFICIA RY:TRUSTEE:PAYMENT SCHEDULE APRSECTION 32?STATE HIGH COST?LATE DAYSLATE %IMPORTANT NOTICE - PLEASE READ CAREFULLY:mortgage lending needs of our customers. note that it is your responsibility to verify the accuraccuracy of all data entered on the loan worksheet , confirming the existence of all loan documents, and verifying the accuracy and loan documents created after the loan data is We are not responsible for errors or omissions discovered after the loan documents have been signed by liability is limited to the fee we charged you for processing this DOCUMENT WORKSHEET800-649-1362 REV. 09/22/06 Page 2 We are proud of our reputation in the mortgage lending industry and make every effort to satisfy the However, absent a written agreement to the contrary, we make no warranties, express or implied. Pleaseacy of this order.

5 Your responsibilities as a customer include, but are not limited to, verifying thecompleteness of all The specified obligations apply whether or not you actually receive the documents afterthe borrower. In any event, HARLAN AND ASSOCIATES6290 ABBOTTS BRIDGE RD. SU 104, DULUTH, GA. 30097 NO N/A 15 - FHA FIXED RATE NOTE 05/01/08 Page 1 of 3 NOTEFHA Case No.[Date][City][State][Property Address]1. PARTIES"Borrower" means each person signing at the end of this Note, and the person's successors and assigns."Lender" meansand its successors and BORROWER'S PROMISE TO PAY; INTERESTIn return for a loan received from Lender, Borrower promises to pay the principal sum ofDollars ( $ ),plus interest, to the order of Lender.

6 Interest will be charged on unpaid principal, from the date of disbursement ofthe loan proceeds by Lender, at the rate ofpercent( %) per year until the full amount of principal has been PROMISE TO PAY SECUREDB orrower's promise to pay is secured by a mortgage, deed of trust or similar security instrument that is datedthe same date as this Note and called the "Security Instrument." The Security Instrument protects the Lender fromlosses which might result if Borrower defaults under this MANNER OF PAYMENT(A) TimeBorrower shall make a payment of principal and interest to Lender on the day of each month beginningon . Any principal and interest remaining on the day of , will be due on that date, which is called the "Maturity Date."(B) PlacePayment shall be made at, or at such other placeas Lender may designate in writing by notice to Borrower.

7 (C) AmountEach monthly payment of principal and interest will be in the amount of $.This amount will be part of a larger monthly payment required by the Security Instrument, that shall be applied toprincipal, interest and other items in the order described in the Security Instrument.(D) Allonge to this Note for Payment AdjustmentsIf an allonge providing for payment adjustments is executed by Borrower together with this Note, the covenantsof the allonge shall be incorporated into and shall amend and supplement the covenants of this Note as if the allongewere a part of this Note. 1st loan Number: GEORGIA 1stMULTISTATE - FHA FIXED RATE NOTE 05/01/08 Page 2 of 3(Check applicable box.) Growing Equity AllongeGraduated Payment AllongeOther [specify] 'S RIGHT TO PREPAYB orrower has the right to pay the debt evidenced by this Note, in whole or in part, without charge or penalty,on the first day of any month.

8 Lender shall accept prepayment on other days provided that Borrower pays intereston the amount prepaid for the remainder of the month to the extent required by Lender and permitted by regulationsof the Secretary. If Borrower makes a partial prepayment, there will be no changes in the due date or in the amountof the monthly payment unless Lender agrees in writing to those 'S FAILURE TO PAY(A)Late Charge for Overdue PaymentsIf Lender has not received the full monthly payment required by the Security Instrument, as described inParagraph 4(C) of this Note, by the end of fifteen calendar days after the payment is due, Lender may collect a latecharge in the amount of percent ( %)of the overdue amount of each payment.(B)DefaultIf Borrower defaults by failing to pay in full any monthly payment, then Lender may, except as limited byregulations of the Secretary in the case of payment defaults, require immediate payment in full of the principal balanceremaining due and all accrued interest.

9 Lender may choose not to exercise this option without waiving its rights inthe event of any subsequent default. In many circumstances, regulations issued by the Secretary will limit Lender'srights to require immediate payment in full in the case of payment defaults. This Note does not authorize accelerationwhen not permitted by HUD regulations. As used in this Note, "Secretary" means the Secretary of Housing andUrban Development or his or her designee.(C)Payment of Costs and ExpensesIf Lender has required immediate payment in full, as described above, Lender may require Borrower to pay costsand expenses including reasonable and customary attorneys' fees for enforcing this Note to the extent not prohibitedby applicable law. Such fees and costs shall bear interest from the date of disbursement at the same rate as theprincipal of this and any other person who has obligations under this Note waive the rights of presentment and noticeof dishonor.

10 "Presentment" means the right to require Lender to demand payment of amounts due. "Notice ofDishonor" means the right to require Lender to give notice to other persons that amounts due have not been OF NOTICESU nless applicable law requires a different method, any notice that must be given to Borrower under this Notewill be given by delivering it or by mailing it by first class mail to Borrower at the Property Address above or at adifferent address if Borrower has given Lender a notice of Borrower's different notice that must be given to Lender under this Note will be given by delivering it or by mailing it by firstclass mail to Lender at the address stated in Paragraph 4(B) or at a different address if Borrower is given a notice ofthat different OF PERSONS UNDER THIS NOTEIf more than one person signs this Note, each person is fully and personally obligated to keep all of the promisesmade in this Note, including the promise to pay the full amount owed.