Fixed Rate Site Condominium: LTV s up to 100% (F) SCRFP15F SCRFP20F SCRFP30F ARM: FNRFP5YL, FNRFP7YL, FNRFP10Y

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1 PRODUCT PRODUCT OVERVIEW LOAN PROGRAM CODES () FNMA DU Refi Plus Conforming Fixed Rate & ARM Mortgages The FNMA Home Affordable Refinance program provides unique refinance opportunities for borrowers who may not otherwise be eligible due to declining home price values. Borrowers with FNMA guaranteed loans and who have acceptable payment histories may be eligible. All loans will require DU approval and offer expanded eligibility criteria and reduced documentation requirements. See Borrower Benefit in the Program Eligibility section below Fully Amortized: Fixed Rate: LTV s up to 105% LTV s % (F) (G) LTV s (H) FNRFP15F N/A N/A FNRFP20F FNRFP20G FNRFP20H FNRFP30F FNRFP30G FNRFP30H Fixed Rate Site Condominium: LTV s up to 100% (F) SCRFP15F SCRFP20F SCRFP30F ARM: FNRFP5YL, FNRFP7YL, FNRFP10Y Fully Amortized High Balance Loan Amounts: Fixed Rate: LTV s up to 105% (F) LTV s % (G) LTV s (H) HBRFP15F N/A N/A HBRFP30F HBRFP30G HBRFP30H Fixed Rate Site Condominium: LTV s up to 100% (F) HSCRP15F HSCRP30F ARM: HBRFP5YL Fully Amortized Texas Cash Out Refinance: Fixed Rate: LTV s up to 80% (F) FRFPT15F FRFPT20F FRFPT30F Fully Amortized LPMI Fixed Rate: LTV s up to 105% (F) LTV s % (G) LTV s (H) RFP15LPF N/A N/A RFP20LPF RFP20LPG RFP20LPH RFP30LPF RFP30LPG RFP30LPH Fixed Rate: RFP15FLP, RFP20FLP, RFP30FLP ARM: RFP5YLLP, RFP7YLLP, RFP10YLP High Balance - Fully Amortized - LPMI Fixed Rate: LTV s up to 105% (F) LTV s % (G) LTV s (H) HRP15LPF N/A N/A HRP30LPF HRP30LPG HRP30LPH Fixed Rate: HBRP15LP, HBRP30LP ARM: HBRP5YLP EverBank TPO 1

2 LOAN PURPOSE LOAN TERM Limited Cash-Out Refinance Fully Amortized Fixed Rate: 120, 180, 240, 300, 360 ARM: 180 or 360months High Balance Fixed Rate: 180 & 360 months only ARM: 360 months only LOAN AMOUNTS ARM FEATURES OCCUPANCY PROGRAM ELIGIBILITY INTEREST ONLY OPTION Texas Cash Out Fixed Rate: 120, 180, 240, 300, 360 Minimum: None Maximum: 1 Unit: $417,000 Alaska & Hawaii*: 1 Unit: $625,500 2 Units: $533,850 2 Units: $800,775 3 Units: $645,300 3 Units: $967,950 4 Units: $801,950 4 Units: $1,202,925 HIGH BALANCE LOAN AMOUNTS Minimum: 1 Unit: $417,001 Hawaii: 1 Unit: $625,501 2 Units: $533,851 2 Units: $800,776 3 Units: $645,301 3 Units: $967,951 4 Units: $801,951 4 Units: $1,202,926 Note: High-cost areas and maximum loan amounts can be found at the end of this PDS. Conversion Option: None Caps: 5/1, 7/1 and 10/1: 5/2/5 Margin: 2.25% Index: Average of the interbank offered rates for one-year US dollar deposits in the London market, as published in the Wall Street Journal. Primary Second Homes Investment Only FNMA loans that were delivered prior to June 1, 2009 will be eligible for this program. BORROWER BENEFIT: The refinance must provide a benefit to the borrower by either reducing the monthly principal and interest payment or moving the borrower to a more stable product. The following list provides scenarios that meet the borrower benefit provision: The monthly principal and interest payment is decreasing. The interest rate is decreasing. The amortization period is shortened. The amortization period is extended (e.g. from 15 to 30 years) provided there is a reduction in the principal and interest payment (Note: an extension of the amortization period is not considered a movement to a more stable product.) The mortgage loan type changes from a fixed-rate to an ARM provided there is a reduction in the principal and interest payment. (Note: Movement from a fixed rate mortgage to an ARM is not considered a movement to a more stable mortgage product. Fixed rate mortgages should be offered to borrowers whenever possible.) The principal and interest payment is staying the same or increasing provided the borrower is moving to a more stable mortgage product. Not applicable EverBank TPO 2

3 ELIGIBLE BORROWERS INELIGIBLE BORROWERS NON-OCCUPANT CO-BORROWER ELIGIBLE PROPERTY TYPES INELIGIBLE PROPERTY TYPES GEOGRAPHIC RESTRICTIONS STATE SPECIFIC CRITERIA Borrowers may be removed from the existing loan for any reason (not solely due to death or divorce). The remaining borrower(s) must demonstrate that they have been making the payments from his or her own funds for the 12 months prior to the origination of the new mortgage (the 12 month history must be on the existing mortgage). The borrower(s) being removed must also be removed from the deed. If a borrower is being removed as a result of a death, the 12 month payment history and removal of the borrower from the deed is not required, although the remaining borrower must provide evidence of the previous borrower s death. Borrowers may be added to the new loan, provided the existing borrower is retained. In addition, the new borrower(s) must be one of the following: o U.S. Citizen o Permanent Resident Aliens o Non-Permanent Resident Aliens Foreign Nationals Eligible per FNMA guidelines; if loan is approved through DU, DU must recognize and approve the primary borrower based on his/her standalone ratios. 1 Unit Single Family Residence 2 4 Units FNMA Eligible Condos and Planned Unit Developments (PUDs) Manufactured Homes Co-Ops Guam, Puerto Rico, US Virgin Islands are ineligible Hawaii: Leasehold estates must follow FNMA and EverBank leasehold standards as published in the EverBank Corporate Underwriting Guidelines Leasehold properties will require an ALTA Leasehold Endorsement Properties identified in Lava Flow Zones 1 & 2 are considered ineligible Texas: Refinance loans in the state of Texas that follow Texas Section 50 (a)(6) requirements are eligible under this program with the following overlays: Maximum 80.00% LTV/CLTV/HCLTV Must meet a minimum 12 months seasoning 1 Unit Primary Residence only A full #1004 appraisal report will be required for all loans No minimum FICO applies Must attach the unique LPC code identified above This enhancement will allow loans for properties in TX that qualify as TX 50(a)6 to refinance under this program, but this is not a cash-out option. The cap on proceeds to the borrower applies which is $ for this program only. APPRAISAL REQUIREMENTS All other requirements for the refinance must follow the EverBank Texas Cash-Out Refinance Policy as found within the Operations Manual. Appraisal Standards will be determined by DU with options as outlined below. Certain DU Refi Plus loans will waive the requirement for an appraisal or exterioronly property inspection. For those specific DU Refi Plus loans, the DU Finding Report will issue 2 property fieldwork recommendation messages: One message will indicate that the loan is eligible for the DU Refi Plus Property Fieldwork Waiver (PFW) AND The other message will indicate the minimum level of property fieldwork required if the lender does not elect to exercise the DU property report waiver If a loan is ineligible for PFW and DU does not offer the PFW, a message will be issued indicating the minimum level of property fieldwork required. The DU PFW will not be offered in the following scenarios: Loans that receive an Approve/Ineligible recommendation from DU All 2-4 unit properties EverBank TPO 3

4 The PFW offered by DU is only valid if offered on the final DU submission. Any subsequent submission(s) to DU where the PFW is not offered, invalidates the option to use the PFW and the minimum level of property fieldwork must be used. RISK GRADE MARKET POLICY PROJECT WARRANTY STANDARDS To identify the loan is exercising this option the underwriter should select the PIW flag in the front-end system. All PFWs will require the SFC Code of 807 at Loan Delivery and a fee of $ This product is not subject to the EverBank Risk Grade Market Policy Maximum LTV will be determined by DU or per the lending grid at the back of the program description. Project Warranty Reviews are not required for Condominiums or PUD projects. EverBank must only confirm the property is not a Condotel (website confirmation) FNMA Project Type Codes are required at Loan Delivery as follows: V - Condominiums E - PUDs DETACHED CONDOMINIUMS (SITE CONDOS) Underwriters will be required to place the correct Condo (V) Project Type on the final 1008 since LQ and WITS currently do not support this value (Pending LOS updates) FNMA Eligible Detached Condominiums (Site Condos) must meet all of the following: Property must be a fully detached home; it cannot have any shared structure(s) (e.g., any structure connecting the subject dwelling to another dwelling, a detached but shared garage or storage unit, etc.) The loan must have DU Approve/Eligible findings and be eligible for the DU Refi Plus program. Use the Site Condo specific LPC code as identified in the beginning of this PDS. Must be input as a Property Type of Condo. Appraisal Requirements for LTV s > 80% when Mortgage Insurance is required (see Mortgage Insurance section below): A full appraisal is required and must be completed on either Form #1073 Single Family Condominium or Form #1004 Detached Single Family Appraisal report. A PFW or any other type of appraisal is not permitted. The appraisal must validate and verify no attached buildings or structures of any kind. The appraiser must comment on any buyer resistance to the condominium form of ownership, or any effect this may have on the market value of the individual unit. Typically at least one detached condo should be part of the comparable sales analysis. Appraisal Requirements for LTV s < 80% or > 80% when MI is not required on a DU Refi Plus transaction: the subject property appraisal report will be determined by DU, which may include a Form #2075 if offered by DU. However a PFW is not permitted. Loan is not subject to any FNMA Condo project review or warranty. Condo Project Type of P or Q should be completed on the 1008 Transmittal Summary. No manufactured home or 2-4 unit condominium projects Maximum LTV 80% if mortgage insurance is required Must be input into the AUS (DU Only) with a Property Type of Condo. This ensures the Condo Rider also is part of the closing package. Current EverBank Hazard & Flood insurance coverage requirements are the same as published for single family detached dwellings. A SFC Code of 588 is required at Loan Delivery and should be placed on the 1008 Transmittal Summary. EverBank TPO 4

5 MORTGAGE INSURANCE REQUIREMENTS () Eligibility: Mortgage insurance guidelines may vary from firm to firm and depending on whether EverBank services the loan being refinanced. The loan must comply with any requirements established by the applicable mortgage insurer to transfer and/or maintain the existing mortgage insurance coverage. For DU Refi Plus new refinance transactions with LTV ratios > 80%, mortgage insurance may or may not be required depending on the current mortgage insurance coverage on the existing loan. New refinance transactions with an LTV ratio less than 80% do not require mortgage insurance. Original LTV of Existing Loan MI in Force on Existing Loan MI Required for New Refinance Loan 80% No No > 80% No mortgage insurance No previously cancelled or terminated per Selling Guide and Servicing Guide requirements > 80% Yes Yes Obtain either the level of MI coverage in force on the existing mortgage loan or standard MI coverage Existing FNMA-owned loans which currently have split premium MI or Financed MI are NOT eligible for Refi Plus. Loans insured by CMG or UGIC are ineligible. UNDERWRITING GUIDELINES All Refi Plus loans with LTVs > 80.01% without MI will require MI Code 95 at time of Loan Delivery (See end of PDS). All loans originated under this program must be underwritten through DU Follow FNMA Seller Guide standards if not addressed in this program description. Underwriting is subject to EverBank guidelines The underwriter is to review the payoff statement for the existing loan which is being paid off with proceeds from this transaction. Eligible DU Recommendations: DU Approve/Eligible DU Approve/Ineligible (only Ineligible messages for LTV/CLTV/HCLTV ratios or minimum representative credit scores are eligible) Income Documentation Guidelines: Income must be documented in the DU Findings Report. The minimum requirements issued by DU are as follows: Salary/Bonus/Overtime: 1 current pay stub and a verbal verification of employment (VVOE) Commission/Self-Employment 1 year federal income tax returns Ineligible Transactions: Loans with new subordinate financing Loans receiving Expanded Approval findings The mortgage being refinanced was a restructured mortgage Property Listing Requirements: Eligible for maximum LTV ratios for all occupancies as long as the loan file includes evidence to show the property was taken off the market at least one day prior to the application date. This program is not subject to EverBank property listing requirements the subject property can be listed for sale at the time of application and at closing. Multiple Financed Properties: EverBank TPO 5

6 DEBT RATIOS QUALIFYING RATE AND PAYMENT MINIMUM DOWN PAYMENT GIFT DOCUMENTATION INTERESTED PARTY CONTRIBUTIONS RESERVES SUBORDINATE FINANCING There is no limitation on the maximum number of financed properties a borrower may have. No maximum; as determined by DU Fully Amortized 5/1- Qualify at the greater of the note rate + 2% or the fully indexed rate. Fully Amortized 7/1, & 10/1 ARMs: Qualify at note rate In all cases, the qualifying payment should be reflected in the housing and debt ratios and noted as such on the Transmittal Summary (Form 1008). Not applicable Gift letter, signed by the donor that includes the amount of the gift, date the funds were transferred, a statement that no repayment is expected, the donor s name/address/phone number and relationship to the borrower. Not applicable As determined by DU Note: For 401-K funds or qualified employer plans considered as reserves, the conditions under which the funds may be withdrawn or borrowed must be verified and documented within the credit package. All existing subordinate financing must be re-subordinated. It cannot be paid off as part of a DU Refi Plus transaction No new subordinate financing is permitted No maximum CLTV/HCLTV The following subordinate financing terms are acceptable under this program only: Mortgages with negative amortization Subordinate financing with prepayment penalties Subordinate financing that does not fully amortize under a level monthly payment where the maturity or balloon payment date is less than five years. LTV/CLTV/HCLTV definitions are outlined below: LTV: Obtained by dividing the first lien amount by the appraised value CLTV: Obtained by dividing the first lien amount plus the disbursed amount of the HELOC and any other secondary financing by the appraised value HCLTV: Obtained by dividing the first lien amount plus the total HELOC credit line limit and any other secondary financing by the appraised value *All CLTV limits must first be satisfied in order to be eligible for HCLTV limits. REFINANCE DEFINITIONS Limited Cash-Out Refinance: Pay off of 1 st Lien regardless of age No subordinate financing may be paid off with the proceeds of the new mortgage Pay related closing costs, prepaid items and points Disbursed cash out to borrower not to exceed $250 CONSTRUCTION TO PERM Not applicable 4506-T Form 4506-T is required to be signed at application and closing for all loans. IRS tax return transcripts must be obtained to validate filed earnings per DU documentation requirements. CREDIT REPORT & CREDIT SCORE REQUIREMENTS ADVERSE CREDIT POLICY A residential mortgage credit report or tri-merged report conforming to all FNMA requirements may be used. The Representative FICO score for all qualifying borrowers is determined as follows: One Borrower: Lowest of 2 or middle of 3 FICOs obtained Multiple Borrowers: Lowest applicable FICO among ALL borrowers used to determine representative FICO for product eligibility Minimum Credit Score requirements: No minimum credit score required Judgments/Garnishments: All must be satisfied prior to closing Collections/Charge-offs: DU Loans o 1 Unit, Primary Residence Collection and charge-off accounts are not required to be paid off, regardless of the amount, provided the account does not EverBank TPO 6

7 o o threaten the subject loan s first lien position. 2 4 Unit Primary Residence and Second Home Accounts totaling up to $5,000 in aggregate may remain unpaid; all others must be satisfied prior to closing. Investment property - Accounts up to $250 per account or $1000 in aggregate may remain unpaid; all others must be satisfied prior to closing. AGE OF CREDIT PACKAGE & APPRAISAL DOCUMENTS ESCROWS TEMPORARY BUYDOWNS PREPAYMENT PENALTY POWER OF ATTORNEY ASSUMABILITY DISCLOSURES Please refer to the DU findings report for any adverse credit policy messages. The credit package must be no older than 90 days to the note date. All appraisal documentation (including a Property Fieldwork Waiver (PFW)) must be no older than 120 days to the note date. PFW - When offered and executed, all loans should apply and select the PIW Flag in the LOS for correct identification. Required unless LTV is 80% or less- subject to price adjustment, refer to rate sheet Ineligible None Eligible: Production Closer approval required Follow agency and published standards Fixed Rate: Not Assumable 5/1, 7/1 and 10/1 ARMs: Assumable with borrower qualification and lender approval after initial fixed period Fixed Rate: Standard Disclosure Package 5/1 ARM: 1 year LIBOR /1 ARM: 1 year LIBOR /1 ARM: 1 year LIBOR TEXAS CASH OUT REFINANCE OPTION: Application Disclosures: Notice Concerning Extension of Credit - used to calculate 12 day cooling off period. Signatures are required on this form and the application to proceed with processing the application. The loan cannot close until after the 12 day period and the 1 day HUD-1 review period. Borrower s Election of Method for Determination of Fair Market Value is provided to the borrower(s) to give him or her, the opportunity to understand our requirements for determining the value in his or her homestead. Another form will be signed at closing acknowledging the value. Discount Point Acknowledgment is provided if the borrower(s) has agreed to pay discount points. The form explains that the borrower(s) is paying the discount points in exchange for a lower interest rate. Closing Disclosures: These disclosures are in addition to those customarily provided in a closing package. The borrower and each borrower s spouse must sign every form, even if the spouse is not an applicant. Acknowledgement Regarding Fair Market Value of Homestead Property this form is signed by the borrower(s) as evidence that he or she agrees with the value assigned to the homestead. Home Equity Receipt of Copies the borrower(s) is required to receive one copy of each document executed at closing. This is the borrower(s) acknowledgement as to receipt of those documents. Home Equity Affidavit and Agreement in this document, the borrower(s) acknowledges that the loan conforms to the Constitutional requirements and that he or she has received all required disclosures. Home Equity Acknowledgement of Advance Copy of Final Itemization of Fees and Charges in this document the borrower(s) acknowledges that he or she did in fact receive a HUD-1 at least 1 day prior to signing the closing documents. Home Equity Acknowledgement Regarding Voluntary Repayment of EverBank TPO 7

8 CLOSING PACKAGE NAME NOTES AND RIDERS LOAN DELIVERY CODING - SPECIAL FEATURE CODES (SFC) ORIGINATION CHANNELS (A) ORIGINATION CHANNELS - TEXAS CASH OUT OPTION (B) Existing Debt this form is required if the HUD-1 includes payoffs. Discount Point Acknowledgment this form is required if the HUD-1 includes discount points. TX Cash-out Waiver of HUD-1 One-day this form is required if the HUD-1 is changed at the time of closing and the borrower wishes to waive the additional 1-day review period. Fixed Rate: Conventional Fixed Rate Texas Cash Out Refinance: TXCORF Texas Cash Out Refinance 5/1 ARM: 5/1 year LIBOR NonConvrt 525 caps/maps 7/1 ARM: 7/1 year LIBOR NonConvrt 525 caps/maps 10/1 ARM: 10/1 year LIBOR NonConvrt 525 caps Fixed Rate: Multistate Fixed Rate Note # 3200 (or state specific as required) 5/1 ARM: Note 3528 & Rider /1 ARM: Note 3528 & Rider /1 ARM: Note 3528 & Rider 3187 Loan Delivery SFC codes MUST be submitted to FNMA as follows: DU Refi Plus Program Property Fieldwork Waiver Exercised ($75.00) PIW Flag Set 95 - NO MI Code -All LTV s over 80.01% without MI 304 Texas Cash Out Refinance 588 Detached Condominiums FNMA Unique Project Type Codes: V - Condominiums (Underwriter to place on Pending LOS updates) E - PUD s All Production Channels EverBank Wholesale Dallas, TX office only ELIGIBILITY MATRIX For loans receiving a Property Fieldwork Waiver (PFW) FULLY AMORTIZED FIXED RATE Limited Cash-Out Refinance Occupancy Number of Units LTV CLTV/HCLTV Minimum FICO Primary Residence Second Home Investment 1 No Limit No limit N/A FULLY AMORTIZED ARMS Limited Cash-Out Refinance Occupancy Number of Units LTV CLTV/HCLTV Minimum FICO Primary Residence Second Home Investment 1 105% No limit N/A For loans with LPMI or when an appraisal is required () FULLY AMORTIZED FIXED RATE AND ARMS Limited Cash-Out Refinance Occupancy Number of Units LTV CLTV/HCLTV Minimum FICO Primary Residence 1-4 Second Home No limit N/A Investment 1-4 EverBank TPO 8

9 HIGH BALANCE HIGH-COST AREA MAXIMUM LOAN AMOUNTS State County Name 1 Unit Limit 2 Unit Limit 3 Unit Limit 4 Unit Limit California Alameda 625, , ,950 1,202,925 Alpine 463, , , ,250 Contra Costa 625, , ,950 1,202,925 El Dorado 474, , , ,350 Los Angeles 625, , ,950 1,202,925 Marin 625, , ,950 1,202,925 Mono 529, , ,600 1,017,300 Monterey 483, , , ,850 Napa 592, , ,450 1,138,950 Nevada 477, , , ,800 Orange 625, , ,950 1,202,925 Placer 474, , , ,350 Sacramento 474, , , ,350 San Benito 625, , ,950 1,202,925 San Diego 546, , ,300 1,050,500 San Francisco 625, , ,950 1,202,925 San Luis Obispo 561, , ,400 1,079,250 San Mateo 625, , ,950 1,202,925 Santa Barbara 625, , ,950 1,202,925 EverBank TPO 9

10 Santa Clara 625, , ,950 1,202,925 Santa Cruz 625, , ,950 1,202,925 Sonoma 520, , ,150 1,001,850 Ventura 598, , ,350 1,150,000 Yolo 474, , , ,350 Colorado Eagle 625, , ,950 1,202,925 Hinsdale 427, , , ,700 Lake 625, , ,950 1,202,925 Ouray 425, , , ,250 Pitkin 625, , ,950 1,202,925 Routt 625, , ,950 1,202,925 San Miguel 625, , ,950 1,202,925 Summit 625, , ,950 1,202,925 Connecticut Fairfield 601, , ,700 1,156,650 District of Columbia District of Columbia 625, , ,950 1,202,925 Florida Collier 448, , , ,500 Monroe 529, , ,600 1,017,300 Georgia Greene 515, , , ,800 Honolulu 721, ,050 1,115,800 1,386,650 Hawaii Kalawao County 626, , ,850 1,205,300 Kauai 713, ,750 1,103,350 1,371,150 Maui 626, , ,850 1,205,300 Idaho Blaine 625, , ,950 1,202,925 Teton 625, , ,950 1,202,925 Maryland Anne Arundel 494, , , ,950 Baltimore City 494, , , ,950 Baltimore 494, , , ,950 Calvert 625, , ,950 1,202,925 Carroll 494, , , ,950 Charles 625, , ,950 1,202,925 Frederick 625, , ,950 1,202,925 Harford 494, , , ,950 Howard 494, , , ,950 Montgomery 625, , ,950 1,202,925 Prince George's 625, , ,950 1,202,925 Queen Anne's 494, , , ,950 Massachusetts Bristol 426, , , ,500 Dukes 625, , ,950 1,202,925 Essex 465, , , ,700 Middlesex 465, , , ,700 Nantucket 625, , ,950 1,202,925 Norfolk 465, , , ,700 Plymouth 465, , , ,700 Suffolk 465, , , ,700 New Hampshire Rockingham 465, , , ,700 Strafford 465, , , ,700 New Jersey Bergen 625, , ,950 1,202,925 Essex 625, , ,950 1,202,925 Hudson 625, , ,950 1,202,925 Hunterdon 625, , ,950 1,202,925 Middlesex 625, , ,950 1,202,925 Monmouth 625, , ,950 1,202,925 Morris 625, , ,950 1,202,925 Ocean 625, , ,950 1,202,925 Passaic 625, , ,950 1,202,925 Somerset 625, , ,950 1,202,925 Sussex 625, , ,950 1,202,925 Union 625, , ,950 1,202,925 EverBank TPO 10

11 New York Bronx 625, , ,950 1,202,925 Kings 625, , ,950 1,202,925 Nassau 625, , ,950 1,202,925 New York 625, , ,950 1,202,925 Putnam 625, , ,950 1,202,925 Queens 625, , ,950 1,202,925 Richmond 625, , ,950 1,202,925 Rockland 625, , ,950 1,202,925 Suffolk 625, , ,950 1,202,925 Westchester 625, , ,950 1,202,925 North Carolina Camden 625, , ,950 1,202,925 Currituck 458, , , ,400 Hyde 483, , , ,850 Pasquotank 625, , ,950 1,202,925 Perquimans 625, , ,950 1,202,925 Pennsylvania Pike 625, , ,950 1,202,925 Rhode Island Bristol 426, , , ,500 Kent 426, , , ,500 Newport 426, , , ,500 Providence 426, , , ,500 Washington 426, , , ,500 Utah Salt Lake 600, , ,950 1,154,450 Summit 600, , ,950 1,154,450 Tooele 600, , ,950 1,154,450 Virginia Albemarle 437, , , ,400 Alexandria 625, , ,950 1,202,925 Amelia 535, , ,250 1,030,600 Arlington 625, , ,950 1,202,925 Caroline 535, , ,250 1,030,600 Charles City 535, , ,250 1,030,600 Charlottesville 437, , , ,400 Chesapeake 458, , , ,400 Chesterfield 535, , ,250 1,030,600 Clarke 625, , ,950 1,202,925 Colonial Height 535, , ,250 1,030,600 Cumberland 535, , ,250 1,030,600 Dinwiddie 535, , ,250 1,030,600 Fairfax Ind 625, , ,950 1,202,925 Fairfax 625, , ,950 1,202,925 Falls Church 625, , ,950 1,202,925 Fauquier 625, , ,950 1,202,925 Fluvanna 437, , , ,400 Fredericksburg 625, , ,950 1,202,925 Gloucester 458, , , ,400 Goochland 535, , ,250 1,030,600 Greene 437, , , ,400 Hampton 458, , , ,400 Hanover 535, , ,250 1,030,600 Henrico 535, , ,250 1,030,600 Hopewell 535, , ,250 1,030,600 Isle Of Wight 458, , , ,400 James City 458, , , ,400 King and Queen 535, , ,250 1,030,600 King William 535, , ,250 1,030,600 Lancaster 442, , , ,450 Loudon 625, , ,950 1,202,925 Louisa 535, , ,250 1,030,600 Manassas Park 625, , ,950 1,202,925 Manassas 625, , ,950 1,202,925 EverBank TPO 11

12 Mathews 458, , , ,400 Nelson 437, , , ,400 New Kent 535, , ,250 1,030,600 Newport News 458, , , ,400 Norfolk 458, , , ,400 Petersburg 535, , ,250 1,030,600 Poquoson 458, , , ,400 Portsmouth 458, , , ,400 Powhatan 535, , ,250 1,030,600 Prince George 535, , ,250 1,030,600 Prince William 625, , ,950 1,202,925 Richmond Ind 535, , ,250 1,030,600 Spotsylvania 625, , ,950 1,202,925 Stafford 625, , ,950 1,202,925 Suffolk 458, , , ,400 Surry 458, , , ,400 Sussex 535, , ,250 1,030,600 Virginia Beach 458, , , ,400 Warren 625, , ,950 1,202,925 Williamsburg 458, , , ,400 York 458, , , ,400 Washington King 506, , , ,100 Pierce 506, , , ,100 San Juan 483, , , ,850 Snohomish 506, , , ,100 West Virginia Jefferson 625, , ,950 1,202,925 Wyoming Teton 625, , ,950 1,202,925 EverBank TPO 12