STATE DISCLOSURES - Compliance

1 Property of Docutech, LLC Page 1 Version STATE DISCLOSURES Legal Disclaimer: This table was compiled for informational and reference purposes only. It does not constitute, nor should it be used as a substitute for, legal advice. No warranty, either expressed or implied, is attached in any regard to this table. Any reproduction, distribution, sharing, or modification of this table without the express written permission of an authorized agent of Docutech, LLC is prohibited. Last Updated: March, 2018 Property of Docutech, LLC Page 2 Version Matrix Guide United states (Package Type) Proper Name of Disclosure Generic Cx Number License Type Lenders/Brokers/Both loan Type Property Timing Requirement Legal Reference Specific Language Required Processing and Closing Constitution 1 (Federal) All government agencies Both Credit extended on full faith and credit Government lands Before any laws are made Const.

2 Art. 1 through 34 Constitution of the United states of America Constitutional Lists all of the document packages in which the document will print UR or Upon Request refers to generic documents which will only print if requested. Other words in parenthesis indicate whether the particular disclosure is a Federally required, Federal Agency, or Government Sponsored Enterprise document Documents are first sorted by Package Type, starting with earlier packages ( Initials before Closings). Documents which print in multiple packages are listed before Closing packages. Documents are then sorted based on their ConformX number. Words in italics indicate that the document will print either when the lender is acting as a broker, as a lender, or as either (both). References applicable laws and contains a link to an official (or officially sponsored) law library. The text in italics is the official Short Title which at least one of the cited laws is a part (or under which an administrative law is made pursuant to).

3 The terms Constitutional, Statutory, or Administrative indicate that the language of the disclosure is prescribed by law. Adjectives preceding either of these terms indicate the extent to which the language is prescribed. If no adjective, the entire language of the form is prescribed by law. Other terms refer to either official or model forms prescribed by either a federal or STATE government agency. Property of Docutech, LLC Page 3 Version Table of Contents Click Text to Jump to Page Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Property of Docutech, LLC Page 4 Version Click here for Table of Contents Alabama (Package Type)

4 Proper Name of Disclosure Generic Cx Number License Type Lenders/Brokers/Both loan Type Property Timing Requirement Legal Reference Specific Language Required Initial Disclosure Anti-Coercion Insurance Disclosure Cx2778 A creditor licensed under the Alabama Mini-Code Both A consumer credit transaction (aka a consumer loan ) Property in which the creditor is given a security interest Not specified Ala. Code 5-19-20(e) Alabama Mini-Code No Initial Disclosure AL mortgage Broker Agreement Cx4068 A licensee under the mortgage Brokers Licensing Act Brokers A mortgage loan 1- to 4- family residential real estate Prior to the collection of a mortgage broker fee Ala. Code 5-25-12(a)(1) mortgage Brokers Licensing Act No Initial Disclosure AL Commitment Agreement Cx17166 (upon request) A lender Both A mortgage loan 1-to-4 family residential real estate Before a mortgage broker collects any mortgage broker fees Ala.

5 Code 5-25-2(2) and 5-25-12(b)(3) & (b)(5) mortgage Brokers Licensing Act No Initial Disclosure, Processing, Underwriting, & Closing NMLS Unique Identifier Disclosed on 1003 Uniform Residential loan Application On Cx4193 (FNMA/FHLMC) Any person originating a residential mortgage loan Both A residential mortgage loan A dwelling (as defined in Section 103[w] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling. On the application Ala. Code 5-26-20 Alabama mortgage Licensing Act of 2009 FNMA 1003 Form - Uniform Residential loan Application Property of Docutech, LLC Page 5 Version Alabama (Package Type) Proper Name of Disclosure Generic Cx Number License Type Lenders/Brokers/Both loan Type Property Timing Requirement Legal Reference Specific Language Required Closing Caution Notice in 3200, FHA, and VA 3200 Note Fixed, Fixed Rate Note Alabama Second, and other Notes On Cx5 (FNMA/FHLMC), Cx36 (FHA), Cx58, Cx1033 and other Notes A creditor licensed under the Alabama Mini-Code Both A consumer credit transaction (aka a consumer loan ) Property in which the creditor is given a security interest At closing Ala.

6 Code 5-19-6(a) Alabama Mini-Code Statutory FNMA Form 3200 Multistate Fixed-Rate Note Closing AL FHA Addendum to Wood Infestation Inspection Report Cx1260 (upon request) Not specified Both Not specified Property Not specified Ala. Admin. Code r. No Click here for Table of Contents Property of Docutech, LLC Page 6 Version Click here for Table of Contents Alaska (Package Type) Proper Name of Disclosure Generic Cx Number License Type Lenders/Brokers/Both loan Type Property Timing Requirement Legal Reference Specific Language Required Initial Disclosure AK Anti-Coercion Insurance Disclosure Cx3842 Either: (1) a creditor or lender; or (2) a person Both Either: (1) a debt or loan ; or (2) a loan of money or extension of credit Either: (1) real or personal property of every kind and of every interest therein; or (2) property Not specified Alaska Stat. & No Initial Disclosure Tangible Net Benefit Worksheet Cx12531 (upon request) A covered person, who is either licensed under the Alaska Secure and Fair Enforcement for mortgage Licensing Act of 2010 or the Alaska Small Loans Act (Alaska Stat.)

7 Through )) Both A refinance of a mortgage loan (aka a residential mortgage loan ) A dwelling (a residential structure containing 1-to-4 family housing units, or a condo or coop) or residential real estate, upon which a dwelling is (or is intended to be) constructed, including affixed manufactured homes Not specified Alaska Stat. Alaska Secure and Fair Enforcement for mortgage Licensing Act of 2010 No Property of Docutech, LLC Page 7 Version Alaska (Package Type) Proper Name of Disclosure Generic Cx Number License Type Lenders/Brokers/Both loan Type Property Timing Requirement Legal Reference Specific Language Required Initial Disclosure AK Consumer Credit Insurance Disclosure Cx17164 (upon request) A creditor Lenders A credit transaction, of an amount of $30,000 or less, which is not secured by a first lien and which is not made to finance the purpose of real property, the construction of a dwelling, or a refinance of either of these.

8 Not specified Not specified Alaska Stat. No Property of Docutech, LLC Page 8 Version Alaska (Package Type) Proper Name of Disclosure Generic Cx Number License Type Lenders/Brokers/Both loan Type Property Timing Requirement Legal Reference Specific Language Required Initial Disclosure AK Commitment Agreement Cx17686 (upon request) Either: (1) a licensee under the Alaska Secure and Fair Enforcement for mortgage Licensing Act of 2010; or (2) a licensee under the Alaska Small Loans Act (Alaska Stat. through ) Both A mortgage loan transaction (aka a residential mortgage loan ) A dwelling (a residential structure containing 1-to-4 family housing units, or a condo or coop) or residential real estate, upon which a dwelling is (or is intended to be) constructed, including affixed manufactured homes Not specified Alaska Stat. (19) & (22) Alaska Secure and Fair Enforcement for mortgage Licensing Act of 2010 No Initial Disclosure AK Depository Institution Insurance Disclosure Cx17687 (upon request) A financial institution, which sells insurance Both An extension of credit Not specified At the time of application for the extension of credit Alaska Stat.

9 No Property of Docutech, LLC Page 9 Version Alaska (Package Type) Proper Name of Disclosure Generic Cx Number License Type Lenders/Brokers/Both loan Type Property Timing Requirement Legal Reference Specific Language Required Initial Disclosure, TILA Redisclosure, and Closing All Federal DISCLOSURES Cx18, 14221, 14222, & Others (Federal) A person subject to the Alaska Secure and Fair Enforcement for mortgage Licensing Act of 2010 A mortgage loan (aka a residential mortgage loan ) A dwelling (a residential structure containing 1-to-4 family housing units, or a condo or coop) or residential real estate, upon which a dwelling is (or is intended to be) constructed, including affixed manufactured homes Various Alaska Stat. Alaska Secure and Fair Enforcement for mortgage Licensing Act of 2010 12 CFR Pt. 1024 App. 12 CFR Pt. 1026, App. Property of Docutech, LLC Page 10 Version Alaska (Package Type) Proper Name of Disclosure Generic Cx Number License Type Lenders/Brokers/Both loan Type Property Timing Requirement Legal Reference Specific Language Required Initial Disclosure, Processing, Underwriting, and Closing NMLS Unique Identifier Disclosed on 1003 Uniform Residential loan Application Cx4193 (FNMA/FHLMC) A person operating as a mortgage lender, mortgage broker, or mortgage loan originator Both A residential mortgage loan A dwelling (a residential structure containing 1-to-4 family housing units, or a condo or coop) or residential real estate, upon which a dwelling is (or is intended to be) constructed, including affixed manufactured homes On the application Alaska Stat.

10 Alaska Secure and Fair Enforcement for mortgage Licensing Act of 2010 FNMA 1003 Form - Uniform Residential loan Application Closing Notice of Suit in 3200, FHA, and VA 3200 Note Fixed, Fixed Rate Note Alaska Second, and other Notes Cx5 (FNMA/FHLMC), Cx36 (FHA), Cx58, Cx1032, and other Notes A lender Both An obligation secured by a mortgage or deed of trust Not specified On the promissory note Alaska Stat. Statutory FNMA Form 3200 Multistate Fixed-Rate Note Closing TILA HELOC DISCLOSURES in AK Open-End loan Agreement Cx1338 A licensee under the Alaska Small Loans Act Both Open-end loans, with an aggregate total not exceeding $25,000 Not specified In the loan agreement Alaska Stat. (d) Alaska Small Loans Act No Property of Docutech, LLC Page 11 Version Alaska (Package Type) Proper Name of Disclosure Generic Cx Number License Type Lenders/Brokers/Both loan Type Property Timing Requirement Legal Reference Specific Language Required Closing AK loan Statement Cx14786 A licensee under the Alaska Small Loans Act Both A small loan which has a principal amount of $25,000 or less and which has a greater rate of interest than otherwise permitted under the Small Loans Act Not specified At the time the loan is made Alaska Stat.