Business Lending and Deposit Document Selection Guide

Transcription

1 Consumer Deposit Consumer Lending Real Estate Lending Business Services Business Lending and Deposit Document Selection Guide P.O. Box Mineral Point Road Madison, WI MXB186 CUNA Mutual Group 2013 All Rights Reserved

2 It s Not Just About Lending: LOANLINER Business Documents Provide Unique Solutions to Meet Your Needs Increasing Income Nearly 70% of the profitability in the business services market comes from deposit services. LOANLINER Business documents provide you with the documents you need to open and maintain business deposit accounts. Create easy-to-sell packages that meet the needs of key business segments. Increasing Loan Volume To enable you to take care of most of your business lending needs, LOANLINER documents have developed two lending packages, one for Real Estate Secured loans, and one for Small Business loans. The Small Business loans use the same concept as LOANLINER documents multi-feature Open-End Consumer Lending documents. The Business Credit and Continuing Security Agreement allows you to set up the only loan plan your member s business will ever need. Once the Plan is open, obtaining advances on the Plan (future business loans) is easy. Your member can call, or stop in to request an advance. This Lending System will be unique to the business lending market. Improving Efficiency Now you can create a cost-effective loan processing system that s tailored to meet the needs of your credit union. Choose LOANLINER Business Lending and Deposit documents to reduce the paperwork for you and your members. Members will love this streamlined approach. LOANLINER Electronic Business documents have been designed for compatibility with most data processors hardware and software. To ensure optimum processing efficiency, we work directly with you and your processor during installation, testing and implementation. Documents can also be provided in a fillable PDF format to allow simple tab and fill functionality on a PC. Managing Lending Risk With LOANLINER documents you can rest assured that every document is compliant with federal and state regulations and standards. CUNA Mutual Group s dedicated legal and insurance experts continually update the system to guarantee that your business program is compliant, giving you compliance peace of mind. Strengthening Member Relationships LOANLINER Business Credit and Continuing Security Agreement simplifies and speeds up the lending process, giving you an important tool to build member relationships. All documents are written in clear, straight forward language, and are easy to use and understand. LOANLINER Business documents increase staff and member confidence and comfort at every stage of the lending or deposit process. 1

3 LOANLINER Service and Support Lending Resource Center The Lending Resource Center offers a comprehensive and timely way to stay on top of key lending and compliance issues and a variety of resources to improve your lending performance, available at your fingertips 24/7. Key resources include: compliance alerts with action steps; training and operational needs; credit union best practices; lender tutorials; product news and updates; featured questions and answers; and optional notification of newly published alerts and articles. The Lending Resource Center is available only to credit unions using LOANLINER Lending or Deposit documents or credit unions that offer one or more of the following CUNA Mutual Group products: credit disability insurance, credit life insurance, debt cancellation, guaranteed asset protection or mechanical repair coverage. To request access, go to lendingresourcecenter. LOANLINER Business Documents User Guides We strongly recommend that all credit unions review the LOANLINER Business Documents User Guide for important document usage information, and state regulations. The User Guide can be found in the Lending Resource Center. LOANLINER Customer Service For assistance in selecting and ordering documents, checking the status of your order, or billing questions, call or loanliner@cunamutual.com. Compliance Alerts Stay informed about compliance and regulation changes. For recent compliance updates, go to and click on Lending Resource Center. LOANLINER Compliance Support For assistance in selecting documents as well as answers to your compliance and document usage questions, call or loanliner@cunamutual.com. Your CUNA Mutual Group Representative Call your CUNA Mutual Group Account Representative at for more information. 2

4 Table of Contents LOANLINER Business Documents Selection Guide Business Deposit Business Account Card Business Membership and Account Agreement (MAA) Business Credit Card Agreement and Addendum Funds/Wire Transfer Request Funds/Wire Transfer Agreement Authorization Designation Funds Availability Policy and Disclosure (Reg CC) Small Business Loans Business Application Business Expanded Application Business Credit and Continuing Security Agreement Business Credit Agreement Rider Business Loan Receipt Authorization Designation Business Guaranty Agreement Business Adverse Action Notice UCC1 Financing Statement and Addendum UCC3 Financing Statement Amendment Consent of Landlord Business Real Estate Secured Loans Real Estate Application (FNMA 1003) Business Real Estate Note (Fixed Rate) Business Real Estate Mortgage/Deed of Trust Business Real Estate Multi-State 1-4 Family Rider Business Condo and PUD Riders Business Real Estate Adjustable Rate Rider Business Real Estate Adjustable Rate Note Business Real Estate Balloon Fixed Rate Note Business Real Estate Balloon Note Addendum Authorization Designation Business Adverse Action Notice Business Guaranty Agreement FEMA Standard Flood Zone Determination Flood Insurance Notice LOANLINER Business Documents Catalog LOANLINER Business Documents See the Business Documents User Guide in the Lending Resource Center for state-specific usage instructions. Go to 3

5 LOANLINER Business Deposit Business Account Card Documents the account relationship between the business/organization and the Credit Union and creates the Credit Union membership for the business/organization. Can be used to document compliance with the USA Patriot Act requirements (based on credit union policies). Uses check boxes to distinguish between establishing account and changing account so the same card can be used to record both establishing and changing account events. Provides a place to collect the address, type of business, and signature. Used for both business and non-profit/organization accounts. Business Membership and Account Agreement (MAA) The MAA contains the terms and conditions defining the member s and your credit union s rights, responsibilities, and account-ownership issues. It solidifies a comprehensive contract that protects your credit union against problems associated with offering shares and share drafts. Covers essential terms and conditions governing deposit account transactions. Incorporates your state s Uniform Commercial Code laws and addresses compliance issues related to ACH rules, Reg CC, Reg D, and Truth-in-Savings (TIS). Explains member and non-member access; account statement and notice responsibilities; share draft issues, such as endorsements, stop-payment, post-dated checks, and overdrafts; credit union liability, liens, and security interests; and account and/or member terminations, plus special account instructions, account inactivity, and death of the owner. Incorporates the Business Account Card by reference to it. Business Credit Card Agreement and Addendum The Agreement is used to provide required disclosures that apply to all business credit card holders and the rights and responsibilities of the business. The Addendum provides rate and fee information and other disclosures special to each credit union. The Agreement/Addendum supports both Visa and MasterCard programs. 4

6 LOANLINER Business Deposit Funds/Wire Transfer Request This document provides the member s confirmation of a member s funds/wire transfer request, whether one-time or recurring, and agreement as to the provisions of Reg J. Funds/Wire Transfer Agreement This document provides the terms and conditions along with security procedures/validation processes and information. This document is used when making multiple and/or recurring wire transfer requests for both members and business accounts. It is used in combination with the Funds/Wire Transer Request to document transactions. Authorization Designation Used by the business/organization to name the individuals authorized to act on behalf of the business/organization for the following purposes: opening share/deposit account(s), accessing account funds and making transactions on accounts, entering into loan plans and obtaining advances on the plans, entering into other loans and pledging business assets as collateral for loans. Protects the Credit Union and will reduce the risk that unauthorized parties will access account funds or initiate loans/advances. For deposit transactions this document is used with the Business Account Card and the Business Membership and Account Agreement. Funds Availability Policy and Disclosure (Reg CC) Disclosure that provides the member with information about the availability of the funds in their account and establishes maximum hold periods for deposits in transaction accounts. A business version of Reg. CC is not available; however, credit unions may use the existing Consumer Reg CC disclosures instead. Special Note on Deposit Disclosures Reg E, Truth-in-Savings, and Privacy disclosures are consumer specific regulations, and as such are not required to be given to business account members. We recommend that the Credit Union does provide some type of a rate and fee schedule to business account members. 5

7 LOANLINER Small Business Loans Business Application Used to collect basic loan application data from the loan applicant(s), co-maker(s) and guarantor(s); documents the request for a business loan; and supports internal credit underwriting policies. Intended to be used for smaller businesses and less complex loan transactions. Collects pertinent information relative to the applicant(s) present financial condition, credit history, personal and business information. Flexible to allow the Credit Union to indicate what type of supporting documents needs to be provided with the application. Designed to be used with the Business Credit Card Agreement and Addendum. Business Expanded Application A comprehensive loan application used to collect data from the loan applicant(s) and guarantor(s); documents the request for a business loan; and supports internal credit underwriting policies. Used for new members, complicated business loans, and business loans where more detailed information from the business/borrower would be helpful or business loans where the Credit Union s policies require more information about the borrower. Used by the Credit Union to collect details concerning the member s attorney, accountant, insurance coverage, and franchise information. Flexible to allow the Credit Union to indicate what type of supporting documents need to be provided with the applications. Designed to be used with the Business Credit Card Agreement and Addendum. Business Credit and Continuing Security Agreement Contract between the borrower and the Credit Union that consummates the business loan Plan. The Business Credit and Continuing Security Agreement combines the basic terms and conditions of a credit agreement and a security agreement. It is a standing agreement that governs all future loans documented on the Business Loan Receipt. Defines the business terms and conditions that will be repeated in each loan transaction or advance. Specifies the security interest in collateral offered to secure the loan(s). A Business Credit Agreement Rider may be attached to the document in order to amend or add language to the Agreement. 6

8 LOANLINER Small Business Loans Business Credit Agreement Rider Used to amend the Business Credit and Continuing Security Agreement so that the Credit Union can customize the Business Credit and Continuing Security Agreement as necessary for each business borrower. Contains a brief explanation of purpose and a blank text field to allow the Credit Union to add to, delete or change the terms and conditions of the Business Credit and Continuing Security Agreement. The Credit Union may add any provisions deemed appropriate for the particular loan transaction. A rider is required when the Users Guide identifies state-specific terms and conditions that must be added to the Business Credit and Continuing Security Agreement or when the Credit Union wants to amend the terms of the Business Credit and Continuing Security Agreement. Business Loan Receipt The Business Loan Receipt documents each loan the business borrower receives from the Credit Union and that will be subject to the Business Credit and Continuing Security Agreement. It is required for every loan transaction. Contains specific terms and conditions regarding the individual loan transaction, e.g., rates, fees, charges, payments, repayment schedule/terms, interest rates, balloon if applicable. Contains a description of collateral that will be taken as security for each loan transaction. Contains blank fields allowing the Credit Union to customize the terms and conditions of Business Credit and Continuing Security Agreement as necessary for each loan transaction. Authorization Designation Used by the business/organization to name the individuals authorized to act on behalf of the business/organization for the following purposes: opening share/deposit account(s), accessing account funds and making transactions on accounts, entering into loan plans and obtaining advances on the plans, entering into other loans and pledging business assets as collateral for loans. Identifies to the Credit Union the individuals authorized to act on behalf of the business to prevent unauthorized parties from accessing account funds or initiating loans/advances. Should be used whenever establishing a loan plan. Only needs to be updated when authorized signers change. 7

9 LOANLINER Small Business Loans Business Guaranty Agreement Used to obligate a guarantor to repay a particular loan or advance if the borrower defaults. This document is used to share risk and make an additional party liable for the loan. Guarantor information is gathered on the Business Application or the Business Expanded Application. May be used to document the personal guaranty of principals of the business. By checking the box indicated on the form, the guaranty given will be broad so that it is applicable to all existing and future debts incurred by the borrower under the Plan. If the Credit Union and guarantor intend to give a more limited guaranty, the Credit Union can create custom language that may be included in the blank fields in the Agreement. State-specific terms related to the guaranty are added at the end of the document. Refer to the Business Documents User Guide for language. Business Adverse Action Notice Multi-purpose document used to deny credit, refuse an increase of the loan amount, or terminate the existing line of credit. Provides reason codes that depict why the credit was denied; a counteroffer from the Credit Union; or why an account was not opened. Written specifically for business accounts and should not be used with consumer loans. UCC1 Financing Statement and Addendum Used to file the security interest in non-real estate and non-titled collateral with the appropriate state filing authority. Used for personal property. This document should not be used to file real estate or titled collateral like a vehicle. Consists of two parts: Filing Statement and Addendum. The Addendum is used to collect additional information not provided on the Filing Statement that may be required. Imprint is not available. Refer to the Business Documents User Guide for instructions. 8

10 LOANLINER Small Business Loans UCC3 Financing Statement Amendment Used to amend or initiate a release of a previously filed UCC1 and for keeping the information up-todate. Used to edit existing UCC filings, refile any change, amend collateral, terminate security interest, extend/continue time frame of security, or assign interest in the security. Imprint is not available. Refer to the Business Documents User Guide for instructions. Consent of Landlord Agreement between the Credit Union, borrower, and a landlord acknowledging the Credit Union s security interest in collateral located on leased premises and includes an agreement by the landlord to use reasonable efforts to assist lender with gaining access to collateral securing a loan when a borrower defaults on the loan. Used when a borrower places collateral in leased or rented locations or space. Provides the landlord with information defining what giving consent means and obtains their agreement to assist the Credit Union with gaining access to the property where the collateral is located. Landlord agrees to surrender collateral. Credit union agrees to pay for any damages to property that may be incurred during the removal of the collateral. 9

11 LOANLINER Business Real Estate Secured Loans Real Estate Application (FNMA 1003) Used to collect information on the loan applicant(s) and the real estate in order to evaluate credit worthiness for real estate secured loan transactions. Approved and developed by the Federal National Mortgage Association (Fannie Mae). Collects pertinent information relative to the applicant: present financial condition, credit history, ability to repay the loan, information on the dwelling being used as security, and personal information on the applicant(s). Due to adaptations on the signature block for business lending, this is a non-conforming document. It should not be used for loans that will be sold on the secondary market. Imprint is not available. Business Real Estate Note (Fixed-Rate) Describes an agreement between the lender and the borrower for 1-4 family real estate secured loans. Documents how the borrower will repay the loan, including terms, payment amounts, dates, and total amount. The multi-state version is for credit unions lending in most states. Credit unions lending in Alaska, Florida, Maine, New Hampshire, New York, Vermont, Virginia, West Virginia and Wisconsin should use the state-specific version. Consult the Business Documents User Guide for document requirements in your state. Should not be used for consumer transactions. Due to adaptations on the signature block for business lending, this is a non-conforming document. It should not be used for loans that will be sold on the secondary market. Imprint is not available. Business Real Estate Mortgage/Deed of Trust Document that shows that the lender has a lien against the 1-4 family property described in the Mortgage/Deed of Trust. Use the state-specific Mortgage/Deed of Trust based on the physical location of the real estate. Contains standard clause stating the owner occupies the property. Should not be used for consumer transactions. Recorded with local government to perfect lien. Is non-conforming; therefore should not be used for loans that will be sold on the secondary market. Imprint is not available. 10

12 LOANLINER Business Real Estate Secured Loans Business Real Estate Multi-State 1-4 Family Rider Used to amend the Mortgage/Deed of Trust to accommodate the origination of a 1-4 family, non-conforming real estate secured loan. Available in two versions, a multi-state version and a Michigan version. Should not be used for consumer transactions. Is non-conforming; therefore should not be used for loans that will be sold on the secondary market. Imprint is not available. Business Condo and PUD Riders Used to amend the Mortgage/Deed of Trust to accommodate provisions that apply to property types. Available in two versions, a multi-state version and a Texas version. Should not be used for consumer transactions. Imprint is not available. Business Real Estate Adjustable Rate Rider Used to amend the Mortgage/Deed of Trust to secure the Adjustable Rate Note. Provides additional covenants and agreement on the interest rate and monthly payment changes, the transfer of property or a beneficial interest in borrower. Business Real Estate Adjustable Rate Note Describes an agreement between the lender and the borrower for 1-4 family, adjustable rate real estate secured loans. Documents how the borrower will repay the loan, including terms, payment amounts, dates and total amount. Available in several versions, a multi-state version and versions for Alaska, Florida, New Hampshire, Vermont, Virginia, West Virginia and Wisconsin. Your credit union can select the first day the rates will change, the frequency of change dates, the index, the maximum increase or decrease for any change, and the maximum rate. Should not be used for consumer transactions. Is non-conforming; therefore should not be used for loans that will be sold on the secondary market. 11

13 LOANLINER Business Real Estate Secured Loans Business Real Estate Balloon Fixed Rate Note Describes an agreement between the lender and the borrower for 1-4 family, real estate secured loan with a balloon payment. Documents how the borrower will repay the loan, including terms, payment amounts, dates, and total amount. Includes a definition of the transfer of property or a beneficial interest in borrower. Includes notice of other remedies, documentary tax and attorney s fee sections. Available in several versions, a multi-state version and versions for New York, Virginia, West Virginia and Wisconsin. Should not be used for consumer transactions. Is non-conforming; therefore should not be used for loans that will be sold on the secondary market. Business Real Estate Balloon Note Addendum Used to amend and supplement the Real Estate Balloon Note to give the borrower a conditional right to refinance the loan when the original note matures. The Addendum is an optional document allowing the lender to set the terms for a loan renewal at the time of the original transaction. Additional covenants allow borrower to refinance as long as borrower still owns the property and is current on the loan. The Addendum states how the interest rate on the new obligation will be calculated. Lender must notify borrower of the right to refinance; the lender determines the notice period. Borrower will pay the amount owed on the balloon payment if the borrower chooses not to refinance. Available in two versions, a multi-state version and a North Carolina version. Authorization Designation Used by the business/organization to name the individuals authorized to act on behalf of the business/organization for the following purposes: opening share/deposit account(s), accessing account funds and making transactions on accounts, entering into loan plans and obtaining advances on the plans, entering into other loans and pledging business assets as collateral for loans. Identifies, to the Credit Union, the individuals authorized to act on behalf of the business to prevent unauthorized parties from accessing account funds or initiating loans/advances. For real estate secured lending transactions it is used with the Business Real Estate Note. 12

14 LOANLINER Business Real Estate Secured Loans Business Adverse Action Notice Multi-purpose document used to deny credit, refuse an increase of the loan amount, or terminate the existing line of credit. Provides reason codes that depict why the credit was denied; a counteroffer from the Credit Union; or why an account was not opened. Written specifically for business accounts and should not be used with consumer loans. Business Guaranty Agreement Used to obligate a guarantor to repay a particular loan or advance if the borrower defaults. This document is used to share risk and make an additional party liable for the loan. Guarantor information is gathered on the Business Application or the Business Expanded Application. May be used to document the personal guaranty of principals of the business. By checking the box indicated on the form, the guaranty given will be broad so that it is applicable to all existing and future debts incurred by the borrower. If the Credit Union and guarantor intend to give a more limited guaranty, the Credit Union can create custom language that may be included in the blank fields in the agreement. State-specific terms related to the guaranty are added at the end of the document. Refer to the Business Documents User Guide for language. FEMA Standard Flood Zone Determination Documents the results of a determination as to whether the secured property is located in a special flood hazard area (SFHA) and will require flood insurance. If you are using a third party for flood determination, such as TotalTrac Flood from CUNA Mutual Group, they may provide this document for you. Imprint is not available. Flood Insurance Notice Used to notify the borrower that the property securing the business loan is located in a special flood hazard area and will require flood insurance. Includes copies for the Credit Union, borrower, and loan servicer. 13

15 LOANLINER Business Documents State specific documents are noted in the document description. DOCUMENT NUMBER TYPE DOCUMENT DESCRIPTION IMPRINT BUSINESS DEPOSIT DB110* E 1 Business Account Card Optional DB100* E Business Membership & Account Agreement (MAA) Optional D2300* E Funds/Wire Transfer Request Optional D2350* E Funds/Wire Transfer Agreement Required BUSINESS CREDIT CARD AGREEMENT AND ADDENDUM (VISA AND MASTERCARD) BXC10* E Business Visa & MasterCard CC Agreement & Optional Addendum BXCM1* E Business MasterCard CC Agreement & Addendum Optional BXCV1* E Business Visa CC Agreement & Addendum Optional BUSINESS MISCELLANEOUS (DEPOSIT AND/OR LENDING) MXB13* E Authorization Designation Optional BXB07* E Business Adverse Action Notice Optional GXB01* E Business Guaranty Agreement Optional BUSINESS APPLICATIONS AXB10* E Business Application Optional AXB20* E Business Expanded Application Optional EST63* E FNMA Application (1003) N/A SMALL BUSINESS LENDING Credit Agreement BXB10* E Business Credit and Continuing Security Agreement Optional BXB20* E Business Credit Agreement Rider Optional Disbursement Receipt VXB08* E Business Loan Receipt Optional Miscellaneous MXB11* E UCC1 Financing Statement N/A MXB12* E UCC3 Financing Statement N/A MXB10* E Consent of Landlord Optional BUSINESS REAL ESTATE SECURED LENDING Fixed Rate Notes NXB02* E Business RE Fixed Rate Note N/A NXBAK* E AK Business RE Fixed Rate Note N/A NXBFL* E FL Business RE Fixed Rate Note N/A NXBME* E ME Business RE Fixed Rate Note N/A NXBNH* E NH Business RE Fixed Rate Note N/A NXBNY* E NY Business RE Fixed Rate Note N/A NXBVA* E VA Business RE Fixed Rate Note N/A NXBVT* E VT Business RE Fixed Rate Note N/A NXBWI* E WI Business RE Fixed Rate Note N/A NXBWV* E WV Business RE Fixed Rate Note N/A Adjustable Rate Notes NB004* E Business RE Adjustable Rate Note N/A NBAK4* E AK Business RE Adjustable Rate Note N/A NBFL4* E FL Business RE Adjustable Rate Note N/A NBNH4* E NH Business RE Adjustable Rate Note N/A NBVA4* E VA Business RE Adjustable Rate Note N/A NBVT4* E VT Business RE Adjustable Rate Note N/A NBWI4* E WI Business RE Adjustable Rate Note N/A NBWV4* E WV Business RE Adjustable Rate Note N/A Balloon Fixed Rate Notes NB006* E Business RE Balloon Fixed Rate Note N/A NBNY6* E NY Business RE Balloon Fixed Rate Note N/A NBVA6* E VA Business RE Balloon Fixed Rate Note N/A NBWI6* E WI Business RE Balloon Fixed Rate Note N/A NBWV6* E WV Business RE Balloon Fixed Rate Note N/A Riders RXB10* E Business RE Multi-State 1-4 Family Rider N/A RXBM1* E MI Business RE 1-4 Family Rider N/A RXB40* E Business RE Multi-State Adjustable Rate Rider N/A DOCUMENT NUMBER TYPE DOCUMENT DESCRIPTION IMPRINT BUSINESS REAL ESTATE SECURED LENDING (continued) Riders - continued RXB50* E Business RE Multi-State Condo Rider N/A RXBT5* E TX Business RE Condo Rider N/A RXB60* E Business RE Multi-State PUD Rider N/A RXBT6* E TX Business RE PUD Rider N/A Addendums NB017* E Business RE Balloon Note Addendum N/A NBNC7* E NC Business RE Balloon Note Addendum N/A Miscellaneous EST88* E FEMA Standard Flood Zone Determination N/A EST89* E Flood Insurance Notice Optional Real Estate Security Instruments RXAK1* E AK Business RE Deed of Trust N/A RXAL1* E AL Business RE Mortgage N/A RXAR1* E AR Business RE Mortgage N/A RXAZ1* E AZ Business RE Deed of Trust N/A RXCA1* E CA Business RE Deed of Trust N/A RXCO1* E CO Business RE Deed of Trust N/A RXCT1* E CT Business RE Mortgage/Deed of Trust N/A RXDC1* E DC Business RE Deed of Trust N/A RXDE1* E DE Business RE Mortgage N/A RXFL1* E FL Business RE Mortgage N/A RXGA1* E GA Business RE Deed of Trust N/A RXHI1* E HI Business RE Mortgage N/A RXIA1* E IA Business RE Mortgage N/A RXID1* E ID Business RE Deed of Trust N/A RXIL1* E IL Business RE Mortgage N/A RXIN1* E IN Business RE Mortgage N/A RXKS1* E KS Business RE Mortgage N/A RXKY1* E KY Business RE Mortgage N/A RXLA1* E LA Business RE Mortgage N/A RXMA1* E MA Business RE Mortgage N/A RXMD1* E MD Business RE Deed of Trust N/A RXME1* E ME Business RE Mortgage N/A RXMI1* E MI Business RE Mortgage N/A RXMN1* E MN Business RE Mortgage N/A RXMO1* E MO Business RE Deed of Trust N/A RXMS1* E MS Business RE Deed of Trust N/A RXMT1* E MT Business RE Deed of Trust N/A RXNC1* E NC Business RE Deed of Trust N/A RXND1* E ND Business RE Mortgage N/A RXNE1* E NE Business RE Deed of Trust N/A RXNH1* E NH Business RE Mortgage N/A RXNJ1* E NJ Business RE Mortgage N/A RXNM1* E NM Business RE Mortgage N/A RXNV1* E NV Business RE Deed of Trust N/A RXNY1* E NY Business RE Mortgage N/A RXOH1* E OH Business RE Mortgage N/A RXOK1* E OK Business RE Mortgage N/A RXOR1* E OR Business RE Deed of Trust N/A RXPA1* E PA Business RE Mortgage N/A RXRI1* E RI Business RE Mortgage N/A RXSC1* E SC Business RE Mortgage N/A RXSD1* E SD Business RE Mortgage N/A RXTN1* E TN Business RE Deed of Trust N/A RXTX1* E TX Business RE Deed of Trust N/A RXUT1* E UT Business RE Deed of Trust N/A RXVA1* E VA Business RE Deed of Trust N/A RXVT1* E VT Business RE Mortgage N/A * Document Version 1 E Stands for Electronic 14

16 DOCUMENT NUMBER TYPE DOCUMENT DESCRIPTION LOANLINER Business Documents BUSINESS REAL ESTATE SECURED LENDING (continued) Real Estate Security Instruments - continued RXWA1* E WA Business RE Deed of Trust RXWI1* E WI Business RE Mortgage RXWV1* E WV Business RE Deed of Trust RXWY1* E WY Business RE Mortgage STATE NOTICES RMN10* E 1 MN Notice of Right to Discontinue Escrow RNM10* E NM Freedom to Choose Insurer RNY03* E NY Insurance Disclosure RNY20* E NY Interest Rate Determination RNY30* E NY Credit Report Notice RNY40* E NY Straight Balloon Preapplication Disclosure * Document Version 1 E Stands for Electronic State specific documents are noted in the document description. DOCUMENT NUMBER TYPE DOCUMENT DESCRIPTION STATE NOTICES (continued) ROK10* E OK Title Protection Act Notice RRI10* E RI Loan Application Disclosure RTX10* E TX Mortgage Fraud Notice ETX20* E TX Notice to Borrower ETX22* E TX Notice to Borrower - Spanish EXT40* E TX Acknowledgement RVA10* E VA 1st Mortgage Application Disclosure RVT10* E VT Authorization to Obtain Credit Report RVT20* E VT Civil Union Disclosure RWA10* E WA Waiver of Documents RWI10* E WI Pre Application Fee Disclosure RWI20* E WI Escrow Notice 15