Loan Estimate LOAN TERM 30 years PURPOSE Purchase ce DATE ISSUED 10/3/2015. Other Disclosures of your Loan Estimate). REQUIRED DOCUMENT FOR SUBMISSION

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1 Guide to Completing the Loan Estimate We d like to share a common mistakes we have seen on Loan Estimate to help you make adjustments to avoid delay in loan submission. Required Document for Submission... Loan Estimate... Written Settlement Service Provider List... Estimate Settlement Statement... Intent to Proceed, Consent to Receive Communications Electronically... 8 Submission Checklist... 9 TRID Timeline... 0 Disclaimer: This information is intended for general information purposes with the goal of assisting NMSI s customers in complying with the new RESPA-TILA regulations. This information is provided as a courtesy to NMSI s customers and NMSI makes no representation or warranty regarding the accuracy of the information set forth herein, and you may not rely on this information to ensure your company s compliance with the RESPA-TILA regulations. You are advised to consult your own compliance staff or attorney regarding your specific residential mortgage lending questions or situation to ensure your compliance with all applicable laws and regulations.

2 LENDER NMSI, INC. Loan Estimate 00 Wilshire Blvd. Ste. 0 Los Angeles, CA 9000 Save this Loan Estimate to compare with your Closing Disclosure. Loan Estimate LOAN TERM 0 years PURPOSE Purchase ce DATE ISSUED 0//0 PRODUCT Year Interest Only, / Adjustable Rate APPLICANTS Michael Jones and Mary Stone LOAN TYPE x Conventional FHA VA Anywhere Street LOAN ID # Closing Cost Details Anytown, ST RATE LOCK x YES, until //0 at :00 p.m. EDT PROPERTY Somewhere Avenue Before closing, Loan your Costs interest rate, points, and lender credits can Additional Other Costs Information About This Loan Anytown, ST change unless A. Origination you lock the Charges interest rate. All other estimated $,0 E. Taxes and Other Government Fees $ SALE PRICE $0,000 closing costs expire on 0/8/0 at :00 p.m. EDT % of Loan Amount (Points) $,0 Recording Fees and Other Taxes $ NMSI, INC. MORTGAGE BROKER ABC Broker, INC. Lender Fee $99 Transfer Taxes Processing Fee $ Loan Terms Can this amount increase after closing? LOAN F. OFFICER Prepaids $, LOAN OFFICER Peter Brown NMLS/ Homeowner s LICENSE ID Insurance 88 Premium ( months) $,000 Loan Amount $,000 Mortgage Insurance Premium ( months) peterbrown@abcbroker.com PHONE PHONE Prepaid Interest ( $ per day for $ -- Interest Rate % YES Adjusts every years starting in year Property Taxes ( months) Can go as high as % in year See AIR Table on page for details Monthly Principal & Interest $0. YES Adjusts every years starting in year G. Initial Escrow Payment at Closing Can go as high as $,08 in year See Projected Payments below for your Comparisons Homeowner s Insurance per Use month these for measures mo. to compare this loan with other loans. Includes only interest and no principal until year Estimated Total Monthly Payment See AP Table Mortgage Insurance per month for 0 mo. B. on Services page You for Cannot details Shop For $,0 $,9 Total you will have paid in principal, interest, mortgage insurance, and loan costs. In Property YearsTaxes per month for mo. Does the loan have Appraisal these features? fee $00 $0 Credit report fee $0 Prepayment Penalty HOA certification fee $00 Annual Percentage Rate (APR).% Your costs over the loan term expressed as a rate. This is not your interest rate. Government funding fee $00 Balloon Payment Third-party subordination fee $0 An upfront mortgage insurance fee $,000 Total Interest Percentage (TIP) 8.8% The total amount of interest that you will pay over the loan term as a H. Other Title closing protection letter fee $0 percentage $, of your loan amount. Title Owner s Title Policy (optional) $, Projected Payments Title lender s title insurance policy $00 Payment Calculation Years - Years -8 Years 9- Years -0 Principal & Interest $0. $,08 min $,08 min $,08 min only interest $,9 max $,0 max $,08 max Mortgage Insurance For C. Services You Can Shop $,9 Estimated Escrow Pest + Inspection Fee $ Amount can increase over time Survey Fee $0 Title Courier Fee $ Title Settlement Agent Fee Estimated Total Monthly Payment $8 Title Lender s Title Policy $, $,8 $, $, $,08 $,08 $ $ Title Title Search $ This estimate includes In escrow? x Property Taxes $ Estimated Taxes, Insurance x Homeowner s Insurance & Assessments a month Other: Amount can increase over time See Section G on page for escrowed property costs. You must pay for other property costs separately. Costs at Closing D. $, Estimated Closing Costs $8,9 Includes $,8 in Loan Costs + $,90 in Other Costs $0 in Lender Credits. See page for details. Estimated Cash to Close $,9 Adjustable Payment (AP) Table Includes Closing Costs. See Calculating Interest Only Cash Payments? to Close on page for details. Optional Payments? Visit for general Step Payments? information and tools. Seasonal Payments? PAGE OF LOAN ID # 89 Monthly Principal and Interest Payments First Change/Amount $,08 $,9 at st payment Subsequent Changes Every three years Maximum Payment $,08 starting at 9th payment Other Considerations I. TOTAL OTHER COSTS (E + F + G + H) $,90 Appraisal We may order an appraisal to determine the property s value and charge you for this appraisal. We will promptly give you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost. J. TOTAL CLOSING COSTS $8,9 Assumption D + I If you sell or transfer this property $8,9 to another person, we Lender Credits will allow, under certain conditions, this person to assume this loan on the original terms. x will not allow assumption of this loan on the original terms. Calculating Cash to Close Homeowner s This loan requires homeowner s insurance on the property, which you may obtain from a Total Closing Costs (J) $8,9 Insurance Closing Costs Financed (Paid from your Loan Amount) $0 Late Down Payment/Funds from Borrower If your payment is more than $9,000 days late, we will charge a late fee of % of the monthly Deposit principal and interest payment. $0,000 Funds for Borrower $0 Seller Credits $0 Adjustments and Other Credits $0 Servicing Estimated Cash to Close We intend $,9 to service your loan. If so, you will make your payments to us. x to transfer servicing of your loan. Adjustable Interest Rate (AIR) Table Index + Margin MTA + % Initial Interest Rate % Minimum/Maximum Interest Rate.%/% Change Frequency First Change Beginning of st month Subsequent Changes received Limits this on Interest form. Rate Changes First Change % Subsequent Changes % Applicant Signature Date Co-Applicant Signature Date PAGE OF LOAN ID # 89 PAGE OF LOAN ID #89 REQUIRED DOCUMENT FOR SUBMISSION Brokers are responsible for preparing and delivering the LE and All disclosures to the borrower. All disclosures, including the LE, must be dated and issued within business days of the Loan Application date, as indicated on the 00/Loan Application. Signed & Dated Broker Loan Estimate. Written Settlement Service Provider List. Estimate Settlement Statement or Preliminary Closing Disclosure. Signed & Dated Intent to Proceed. Signed Consent to Receive Communications Electronically Form. CHANGED CIRCUMSTANCES If there is a Change of Circumstance, the revised LE is provided to borrower within three () business days of the date of the change. Brokers are responsible for preparing and delivering the REVISED LE to the borrower. (except the rate lock) Additional Details for Services You Can Shop For Other Disclosures of your Loan Estimate). ABC Escrow Inc. 89 Avenue C, Suite 0 Anytown, ST Phone:.. Fax:.. BORROWER'S ESTIMATED SETTLEMENT STATEMENT Service Provider List You can select these providers or shop for your own providers. Service Estimate Contact Information PROPERTY: Anywhere Street DATE: November, 0 Pest Inspection Fee $ Pest Co. NMSI Jane INC, Polk NMLS# 9988 Anytown, ST Avenue A CLOSING DATE: December 8, 0 Loan Number: 9 Anytown, ST BORROWER: Michael Jones and Mary Stone ESCROW.: 8-0 janep@pestco.com -- INTENT TO PROCEED WITH APPLICATION (LE) Survey Fee $ Surveyor LLC Originator: Bill Barnes NMSI INC Avenue B 00 WILSHIRE BLVD #0 Anytown, ST DEBITS CREDITS FINANCIAL CONSIDERATION billb@surveyorllc.com LOS ANGELES, CA 9000 New st Trust Deed , Title Insurance Binder $00 Gamma Title Co. Joanna Campbell PAYOFF CHARGES - Applicant(s): Michael Jones 89 Avenue C [Total Payoff $,.0] Mary Stone Title Lender s Title Policy $ Anytown, ST Principal Balance Property joannac@gammatitle.com Address: Anywhere Street,00.00 Interest on $,00.00 at.0000% from /0/0 to /0/ Anytown, ST Title Settlement Agent Fee $0 Statement Fee Consent 0.00 to Receive Communications Electronically Reconveyance Fee.00 Title Title Search $, You have applied for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) ( U.S.C. 0 TITLE/TAXES/RECORDING CHARGES - Delta Title Inc. The following disclosures are required by the federal Electronic Signatures in Global and National Commerce Act Company (0) et seq.). In accordance with RESPA, you were given an estimate of fees in good faith. Ho wever, if you do not express ( ESIGN ). In order for you to receive Communications electronically in connection with your residential mortgage Title Lender s Title Insurance $,00 Delta Title Inc. Frank Fields Title - Lender's Title Insurance intent to continue with your application application, or before you 0.00 must consent /8/0 to National Mortgage, the loan Service, originator Inc. is providing no longer you bound these Communications Avenue D Title - Wire fee by 0.00 Title Other Title Services $,000 Anytown, the estimate ST that was provided. electronically. Title - Sub Escrow Fee.00 frankf@deltatitle.com Title - Endorsement Fee Your consent to 0.00 receive electronic Communications includes but is not limited to: loan documents, disclosures, and -- Title Settlement Agent Fee $0 Average Recording Fees By signing below, I/we express intent the to appraisal continue report with By the providing application your for which address a fees and estimate your signature was issued below, you consent to receiving to Los Angeles Communications by . Each borrower must provide this form even if all borrowers may share the same Property Taxes st 0- on. /0/0 County Tax Collector,.9 address. dress. ESCROW CHARGES - ABC Escrow! Inc. How to Withdraw Consent. nt. You may withdraw your consent to receiving Communications electronically, at no Title - Escrow Liability Fee charge to you, by calling 88 0 or ing compliance@nmsigroup.com. Title - Ei Existing Lien Payoff Processing 0.00 Title - Notary Public/Signing i Fee.00 Michael Jones How to Date Update Your Records. Mary It is Stone your responsibility to provide us with true, Date accurate, and complete e e mail Title - Overnight/Courier i r costs (if any) address, dress, contact, 0.00 and other information related to this disclosure and your residential mortgage application, and to maintain and dat tl y changes in this information. You can update information by calling ling 88 0 Total Refund or ing,09.9 group.com. TOTAL Hardware $ 80, $ 80, ements. In order to access, view, and retain electronic Communications that we make availa have: A comp nectivity, sufficient storage space, and a supported Internet browser capable of 8 bit A supp h as the current version of Adobe Reader ( and a browser th ocuments; A valid e mail address including an account with an e mail service provider compatible with your e mail THIS IS AN ESTIMATE ONLY AND FIGURES ARE SUBJECT software. TO CHANGE Signed and dated the revised LE with the Change of Circumstance Form must be uploaded under following condition; PROVIDE THE CHANGE OF CIRCUMSTANCE FORM & BORROWER SIGNED AND DATED REVISED (COC) Examples of Changed Circumstances; Adding or removing a borrower Adding or removing an escrow account Appraised value comes in lower 00D, nd Appraisal, Desk/Field Review is required Changing Broker Comp Plan Credit Supplement is required (Fee changes) Credit Score drops, (Pricing increase) Flood Insurance is required Loan amount/interest rate/loan program/terms change PMI change Occupancy/Property Address/Property Type change Pest inspection is required Guide to Loan Estimate Forms Requesting Paper Copies. We will not send you a paper copy of any Communication from us, unless you request

3 NMSI, INC. 00 Wilshire Blvd. Ste. 0 Los Angeles, CA 9000 Save this Loan Estimate to compare with your Closing Disclosure. Must be either BLANK or NMSI, Inc. Loan Estimate DATE ISSUED 0//0 APPLICANTS Michael Jones and Mary Stone Anywhere Street Anytown, ST PROPERTY Somewhere Avenue Anytown, ST SALE PRICE $0,000 LOAN TERM 0 years PURPOSE Purchase ce PRODUCT Year Interest Only, / Adjustable Rate LOAN TYPE x Conventional FHA VA LOAN ID # RATE LOCK x YES, until //0 at :00 p.m. EDT Before closing, your interest rate, points, and lender credits can change unless you lock the interest rate. All other estimated closing costs expire on 0/8/0 at :00 p.m. EDT Must be dated and issued within business days of the Loan Application Date. Enter the name and MAILING ADDRESS of the borrower(s). Use each Borrower s name and mailing address if there are multiple Borrowers. An additional set of LE may be added. Loan Terms Loan Amount $,000 Can this amount increase after closing? Interest Rate % YES Adjusts every years starting in year Can go as high as % in year See AIR Table on page for details Monthly Principal & Interest See Projected Payments below for your Estimated Total Monthly Payment Prepayment Penalty $0. YES Adjusts every years starting in year Can go as high as $,08 in year Includes only interest and no principal until year See AP Table on page for details Does the loan have these features? 8 Enter the property address, which MUST include the zip code of the property. The loan number must be either blank or broker s loan number. Indicate the rate is locked with Yes, not locked with No. We don t allow pre-lock = ALWAYS Balloon Payment Projected Payments 9 Estimated closing costs expire must be disclosed on LE. (Min. 0 business days after the LE issue date). Payment Calculation Years - Years -8 Years 9- Years -0 Principal & Interest $0. only interest $,08 min $,9 max $,08 min $,0 max $,08 min $,08 max 8 If YES, information specific to loan program will be shown. (Adjustable Rate Program) Mortgage Insurance Estimated Escrow Amount can increase over time Estimated Total Monthly Payment $8 $, $,8 $, $, $,08 $,08 Estimated Taxes, Insurance & Assessments Amount can increase over time $ a month This estimate includes In escrow? x Property Taxes x Homeowner s Insurance Other: See Section G on page for escrowed property costs. You must pay for other property costs separately Loans with adjustable payments may show up to four projected payment columns. Use the checkboxes to disclose what the total consists of, then indicate whether or not it is impounded. YES= Impound, = No Impound Costs at Closing Estimated Closing Costs $8,9 Includes $,8 in Loan Costs + $,90 in Other Costs $0 in Lender Credits. See page for details. Estimated Cash to Close $,9 Includes Closing Costs. See Calculating Cash to Close on page for details. Visit for general information and tools. PAGE OF LOAN ID # 89 Guide to Loan Estimate Forms

4 Closing Cost Details Loan Costs Other Costs Lender Paid Comp Plan: The Lender Comp Plan amount is not disclose on the LE. (Lender Fee $99.00 Only) A. Origination Charges $,0 % of Loan Amount (Points) $,0 Lender Fee $99 Processing Fee $00 0% tolerance B. Services You Cannot Shop For $,80 Appraisal fee Credit report fee HOA certification fee Government funding fee Third-party subordination fee An upfront mortgage insurance fee 0% tolerance $00 $0 $00 $00 $0 $,000 C. Services You Can Shop For $,9 Pest Inspection Fee $ Survey Fee $0 Title Courier Fee $ Title Lender s Title Policy $ Title Settlement Agent Fee $ Title Title Search $ D. $,0 0% tolerance E. Taxes and Other Government Fees $ Recording Fees and Other Taxes $ Transfer Taxes F. Prepaids $, Homeowner s Insurance Premium ( months) $,000 Mortgage Insurance Premium ( months) Prepaid Interest ( $. per day for $ Property Taxes ( months) Unlimited tolerance G. Initial Escrow Payment at Closing Homeowner s Insurance per month for mo. Mortgage Insurance per month for 0 mo. Property Taxes per month for mo. Unlimited tolerance H. Other $, Title Owner s Title Policy (optional) $, I. TOTAL OTHER COSTS (E + F + G + H) $,90 J. TOTAL CLOSING COSTS $8,9 D + I $8,9 Lender Credits Calculating Cash to Close Total Closing Costs (J) $8,9 Closing Costs Financed (Paid from your Loan Amount) $0 Down Payment/Funds from Borrower $9,000 Deposit $0,000 Funds for Borrower $0 Seller Credits $0 Adjustments and Other Credits $0 Estimated Cash to Close $,9 Unlimited tolerance Max items in this sectionand disclose the total amount of the items that exceed as Additional Charges. Must be listed in alphabetical order. Any escrow & title related fees must begin with Title-. Written Settlement Service Provider List is required for any items listed in this section. Settlement charges paid to broker affiliate are subject to 0% tolerance and move to section B. Max items in this sectionand disclose the total amount of the items that exceed as Additional Charges. Must be listed in alphabetical order. Recording Fees and Other Taxes are subject to 0% Tolerance. Estimated recording fees must be included. Transfer taxes are subject to 0% Tolerance. Transfer tax must be included for purchases. Optional indicates premium not required by Lender. Owner s title insurance is subject to unlimited tolerance, even if paid to an affiliate of the creditor. Additional Tables appear here only if loan program includes Adjustable Interest Rate (AIR) features. (i.e. ARM Program) Adjustable Interest Rate (AIR) Table Index + Margin MTA + % Initial Interest Rate % Minimum/Maximum Interest Rate.%/% Change Frequency First Change Beginning of st month Subsequent Changes Limits on Interest Rate Changes First Change % Subsequent Changes % PAGE OF LOAN ID # 89 Guide to Loan Estimate Forms

5 Additional Information About This Loan Lender field (left) must be blank or NMSI, Inc. information. NMLS ID: 88 LENDER LOAN OFFICER PHONE NMSI, INC MORTGAGE BROKER LOAN OFFICER PHONE ABC Broker, INC. 890 Peter Brown -- Broker field (right) must be completed. Always checkbox will not allow assumption of this loan on the original terms. Comparisons In Years Use these measures to compare this loan with other loans. $,9 Total you will have paid in principal, interest, mortgage insurance, and loan costs. $0 Always disclose for days late, and % for late fee. Annual Percentage Rate (APR).% Your costs over the loan term expressed as a rate. This is not your interest rate. Always checkbox to transfer servicing of your loan. Total Interest Percentage (TIP) 8.8% The total amount of interest that you will pay over the loan term as a percentage of your loan amount. Other Considerations NMSI will continue to require the initial LE, be signed and dated by all applicable parties for submission. Appraisal Assumption Homeowner s Insurance Late Payment We may order an appraisal to determine the property s value and charge you for this appraisal. We will promptly give you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost. If you sell or transfer this property to another person, we will allow, under certain conditions, this person to assume this loan on the original terms. x will not allow assumption of this loan on the original terms. This loan requires homeowner s insurance on the property, which you may obtain from a If your payment is more than days late, we will charge a late fee of % of the monthly principal and interest payment. Servicing We intend to service your loan. If so, you will make your payments to us. x to transfer servicing of your loan. received this form. Applicant Signature Date Co-Applicant Signature Date PAGE OF LOAN ID #89 Guide to Loan Estimate Forms

6 Additional Details for Services You Can Shop For NMSI require a Written Settlement Service Provider List (WSSPL) on all transactions. of your Loan Estimate). At least one Settlement Agent (closing agent, title agent, escrow agent depending on region) to be provided on WSSPL or for any fees quoted in under services you can shop for. (Section C) Service Provider List You can select these providers or shop for your own providers. Service Estimate Contact Information The service providers must correspond to the services and fees disclosedin Section C on the Loan Estimate. Pest Inspection Fee $ Pest Co. Jane Polk Avenue A Anytown, ST janep@pestco.com -- Survey Fee $ Surveyor LLC Bill Barnes Avenue B Anytown, ST billb@surveyorllc.com -- By listing at least one service provider (as long as not affiliated) it places the fees charged for these services into the 0% tolerance. Must be listed in alphabetical order. Broker must provide sufficient information such as the service provider s names, address and phone number & address. Title Insurance Binder $00 Gamma Title Co. Joanna Campbell 89 Avenue C Title Lender s Title Policy $ Anytown, ST joannac@gammatitle.com Title Settlement Agent Fee $0 -- Title Title Search $, Title Lender s Title Insurance $,00 Delta Title Inc. Frank Fields Avenue D Title Other Title Services $,000 Anytown, ST frankf@deltatitle.com Title Settlement Agent Fee $0 -- APPLICANTS: Michael Jones and Mary Stone DATE ISSUED: //0 LOAN ID # 89 Guide to Loan Estimate Forms

7 ABC Escrow Inc. 89 Avenue C, Suite 0 Anytown, ST Phone:.. Fax:.. BORROWER'S ESTIMATED SETTLEMENT STATEMENT Borrower Estimate Settlement Statement or Preliminary Closing Disclosure from Settlement company is required for submission. The service providers must correspond to the services and fees disclosedin Section C on the Loan Estimate and a Written Settlement Service Provider List. PROPERTY: Anywhere Street DATE: November, 0 Anytown, ST CLOSING DATE: December 8, 0 BORROWER: Michael Jones and Mary Stone ESCROW.: 8-0 DEBITS CREDITS FINANCIAL CONSIDERATION New st Trust Deed - 80, PAYOFF CHARGES - [Total Payoff $,.0] Principal Balance,00.00 Interest on $,00.00 at.0000% from /0/0 to /0/0 9.0 Statement Fee 0.00 Reconveyance Fee.00 TITLE/TAXES/RECORDING CHARGES - Delta Title Inc. Company (0) Title - Lender's Title Insurance 0.00 Title - Wire fee 0.00 Title - Sub Escrow Fee.00 Title - Endorsement Fee 0.00 Average Recording Fees 8.00 Property Taxes st 0- to Los Angeles County Tax Collector,.9 ESCROW CHARGES - ABC Escrow! Inc. Title - Escrow Liability Fee Title - Existing Lien Payoff Processing 0.00 Title - Notary Public/Signing Fee.00 Title - Overnight/Courier costs (if any) 0.00 Total Refund,09.9 TOTAL $ 80, $ 80, Closing Cost Details Loan Costs A. Origination Charges % of Loan Amount (Points) Loan Origination Fee $,90 $,00 Other Costs E. Taxes and Other Go Recording Fees and Oth Transfer Taxes Processing Fee $9 Underwriting Fee $99 Homeowner s F. Prepaids Insurance B. Services You Cannot Shop For $ Mortgage Insurance Pre Prepaid Interest ( $9. Appraisal Fee $9 Property Taxes ( mo Credit Report $0 C. Services You Can Shop For $, Title - Courier Fee Title - Endorsement Fee Title - Escrow Liability Fee Title - Existing Lien Payoff Processing Title - Lender's Title Insurance $0 $0 $00 $0 $0 G. Initial Escrow Paym Homeowner s Insurance Mortgage Insurance Property Taxes Title - Notary Fees $ Title - Sub Escrow Fee $ Title - Wire/Disbursement Fee $0 H. Other D. TOTAL LOAN COSTS (A + B + C) $,0 County Property rty Taxes Additional Details For Services You Can Shop For To get you started with shopping, this list identifies some providers for the services yo of your Loan Estimate). Service Providers List You can select these providers or shop for you Service Estimate Provider We Identified Contact Info Title - Escrow Liability Fee ABC Escrow, Inc. Frank Fields Avenue D Title - Existing Lien Payoff Anytown, ST 0.00 Processing -- fran Title - Notary Public/Signing Fee.00 Title - Overnight/Courier costs (if any) )0.00 Title - Lender's Title Insurance 0.00 Title - WireCalyx feeform - LE_AIR.frm (0/0) 0.00 Delta Title Inc. 89 Avenue C PAGE OF Anyt LOAN ID # testt -- THIS IS AN ESTIMATE ONLY AND FIGURES ARE SUBJECT TO CHANGE Title - Sub Escrow Fee.00 Title - Endorsement ent Fee Michael Jones Guide to Loan Estimate Forms

8 Consent to Receive Communications Electronically The following disclosures are required by the federal Electronic Signatures in Global and National Commerce Act ( ESIGN ). In order for you to receive Communications electronically in connection with your residential mortgage application, you must consent to National Mortgage Service, Inc. providing you these Communications electronically. Your consent to receive electronic Communications includes but is not limited to: loan documents, disclosures, and the appraisal report. By providing your address and your signature below, you consent to receiving Communications by . Each borrower must provide this form even if all borrowers may share the same address. How to Withdraw Consent. You may withdraw your consent to receiving Communications electronically, at no charge to you, by calling 88 0 or ing compliance@nmsigroup.com. Certification of Receipt of Loan Estimate and Intent to Proceed The undersigned certifies How that the to Update following Your Loan Records. Applicant(s): It is your responsibility to provide us with true, accurate, and complete e mail address, contact, and other information related to this disclosure and your residential mortgage application, and to Has/have been provided maintain with and an update initial promptly Loan Estimate any changes within business this information. days of application You can date; update information by calling 88 0 Has/have confirmed or ing receipt of compliance@nmsigroup.com. the initial Loan Estimate; Has/have expressed verbally to you (Broker), their intention to proceed with the loan covered by the issued Loan Estimate; and, Hardware and Software Requirements. In order to access, view, and retain electronic Communications that we Was/were make available to you, you must have: NMSI INC, NMLS# not charged 9988any fee prior to receipt of the Loan Estimate, other than a reasonable credit report fee. A computer with Internet connectivity, sufficient storage space, and a supported Internet browser capable of 8 bit encryption; Loan Number: 9 Borrower Acknowledgement A supported PDF viewer, such as the current version of Adobe Reader ( and a browser that can print PDF documents; By signing below the borrower acknowledges the above information is correct and that lender is replying on this A valid e mail address including an account with an e mail service provider compatible with your e mail information to approve and fund the loan. software. INTENT TO PROCEED WITH APPLICATION (LE) Requesting Paper Copies. We will not send you a paper copy of any Communication from us, unless you request it or we otherwise deem it appropriate to do so. During the residential mortgage application process, you can obtain a paper copy of the electronic Communications by printing them yourself or by requesting that we mail you a paper copy. To request a paper copy, at no charge to you, call us at 8899 or compliance@nmsigroup.com. Originator: NMSI INC Name: 00 WILSHIRE BLVD #0 LOS ANGELES, CA address: Borrower s Signature Date Co -Borrower s Signature Date Applicant(s): I consent to Michael receiving Jones Communications electronically from National Mortgage Service, Inc. Mary Stone Property Address: Anywhere Street Borrower s Signature Date Anytown, ST of You have applied for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) ( U.S.C. 0 et seq.). In accordance with RESPA, you were given an estimate of fees in good faith. However, if you do not express intent to continue with your application on or before 0/8/0, the loan originator is no longer bound by the estimate that was provided. By signing below, I/we express intent to continue with the application for which a fees estimate was issued on. 0/0/0 Must have a completed & signed Consent to Receive Communications Electronically with each file. Must have a completed Intent to Proceed notice with each file. The broker may not order and pay for an appraisal without the signed intent to proceed. Broker can use either NMSI Form or Form from LOS system. Same as estimated closing costs expiration date on LE page Same as Loan Estimate issued date. NMSI will continue to require the intent to proceed form, be signed and dated by all applicable parties for submission. Michael Jones Date Mary Stone Date CALYX Form Intent_le.frm 09/ Guide to Loan Estimate Forms 8

9 Submission Checklist Below are documents that can be submitted with your loan files to ensure that your loans are underwritten as quickly as possible, you may submit other documents deemed necessary for quick turnaround: CREDIT PACKAGE DISCLOSURES Transmittal Summary 008 Signed & Dated Loan Estimate Signed and dated 00 both borrower & MLO Written Settlement Services List of Providers Credit Report & Credit Supplements, if applicable Estimate Settlement Statement or Preliminary Closing Disclosure LOE for address variation & inquiries within 0 showing on credit report Signed & Dated Intent to Proceed Income Documentation Consent to Receive Communications Electronically Verification of Employment, if applicable Executed Mortgage Broker Fee Disclosure or CA RE 88 Asset Documentation Borrower s Authorization 8 Gift Letter, if applicable 8 ECOA / Fair Lending/ Privacy Disclosure/ Servicing Disclosure 9 Copy of Canceled EMD Check, if applicable 9 Fair Credit Reporting Act (FCRA) 0 Escrow Instructions 0 Social Security Administration Authorization Form Fully Executed Purchase Contract and all addendums, if applicable 0-T Signed and Dated Preliminary Title Report/Title Commitment Notice of Right To Receive a Copy of the Appraisal Unexpired and legible photo ID for all borrowers Homeownership Counseling Disclosure NMSI HOA Questionnaire, if applicable Notice to Home Loan Applicants Patriot Act Information Disclosure Any and All State Required Disclosures ARM Disclosure, if applicable Guide to Loan Estimate Forms 9

10 TRID TIMELINE SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY The initial LE must be provided within three () business days of the application date The initial LE must be provided no less than seven () business days prior to consummation. A revised LE must be provided within three () business days of Lock Date. NMSI will prepare and deliver the revised LE (locked) to the borrower(s) using NMSI require the borrower(s) signed and dated on revised LE and upload to the system. - LOCKED The last revised LE must be received no later than four () business days prior to consummation. LE must not be provided after the CD has been provided to the consumer(s). The CD must be received no later than three () business days prior to Closing Date. NMSI will re-disclose the CD with an additional day waiting period if the program changes and/or if the APR increases by more than.0% and Other changes will be X Sundays and federal holidays are excluded RESISTERED RESISTERED NEW LOAN A NEW LOAN RATE LOCKED NMSI ISSUED REVISED LE & BORROWER SIGNED & RETURNED SAME DAY BROKER LE REVIEWED BY NMSI & SUBMITTED -DAY WAITING PERIOD APPRAISAL ORDERED BY BROKER -D AY WAITING PERIOD NMSI ISSUED INITIAL CD & BORROWER SIGNED & RETURNED SAME DAY CLEAR TO DOC UW APPROVED EARLIEST DAY FOR SIGNING REQUEST THE INITIAL CD (We can send the initial CD prior to CTD) NMSI will prepare and deliver the initial CD to the borrower(s) when the following conditions are met: The lock has enough days remaining to fund the loan Appraisal reviewed by Underwriter Preliminary Title Report reviewed by Underwriter Escrow Instruction reviewed by Underwriter Finally executed Purchase Contract (if applicable) reviewed by Underwriter Insurance policies or binders has been uploaded; all applicable Closing Disclosure Closing Information document with your Loan Estimate. Transaction Information Loan Information Date Issued //0 Borrower Michael Jones and Mary Stone Loan Term 0 years Closing Date //0 Anywhere Street Purpose Purchase Disbursement Date //0 Closing Cost Details Anytown, ST Product Fixed Rate Settlement Agent Epsilon Title Co. Seller Steve Cole and Amy Doe Borrower-Paid Seller-Paid Paid by File # - Loan Costs Calculating Somewhere Cash to Close Drive Use this table to see what has changed from your Loan Estimate. Others At Closing Loan Type x Before Conventional Closing At Closing FHA Before Closing Property Somewhere Ave Anytown, ST VA A. Origination Charges Loan Estimate $,80.00 Final Did this change? Anytown, ST Lender Ficus Bank Loan ID # Additional Information % of Loan Amount (Points) $0.00 About This Loan Sale Price $80,000 Total Closing Costs (J) $8,0.00 $9,.0 YES See Total Loan Costs (D) and Total Other Costs (I) 0 Application Fee MIC $00.0 # Underwriting Fee Closing Costs Paid Before Closing $,09.0 $0 0 YES You paid these Closing Costs before closing Loan Calculations Other Disclosures 0 Closing Costs Financed Loan Disclosures Loan Terms 0 ( Paid from yourcan Loan Amount) this amount increase after $0closing? Total of Payments. $0 Total you will have paid after Appraisal 0 Assumption you make all payments of principal, interest, Escrow Account Down Payment/Funds from Borrower $8, $8, If the property was appraised for your loan, your lender is required to Loan Amount 0 $,000 If you sell or transfer this property mortgage to insurance, another person, and loan your costs, lender as scheduled. For now, $8,80. your loan give you a copy at no additional cost at least days before closing. 08 Deposit $0, $0, will allow, under certain conditions, this person to assume this x will have an escrow account If you have (alsonot called yet an received impound it, please or trust contact your lender at the B. Services Borrower Did NotFShop unds for ForBorrower loan on the original terms. $0 $. $0 Interest Rate account) to pay the property Finance Charge. The dollar amount the loan will information costs listed below. Without an escrow 0 Appraisal Fee.8% to John Smith Appraisers Inc. will not allow assumption cost of you. this loan on the original terms. account, $0.00 Seller Credits x $0 YES See Seller Credits in Section L $8,80. you would pay them directly, possibly in one or two large 0 Credit Report Fee to Information Inc. $9.80 payments a year. Your Contract lender may Details be liable for penalties and interest Monthly Principal & Interest 0 Flood Determination $.8 Fee Adjustments to Infoand Co. Other Credits $0 $0.00 YES See details in Sections K and L Demand Feature for failing to make a payment. See your note and security instrument for information about See Projected Payments below 0for Flood your Monitoring Fee Cash to to Close Info Co. $,0.00 $. Amount $,. Financed. The loan amount available after Your loan what happens if you fail to make your payments, Estimated Total Monthly Payment 0 Tax Monitoring Fee to Info Co. $.00 $, Tax Status Research Fee to Info Co. has a demand feature, $80.0 which 0 permits your lender to require early Escrow what is a default on the loan, 0 repayment of the loan. You situations in which your lender can require early repayment of the Does the loan have these features? Annual should Percentage review your Rate note (APR). for details. Escrowed $,. Estimated total amount over year for 08 Your costs over x loan, and does not have a demand the feature. Property Costs your escrowed property costs: Summaries of Transactions Use this table loan to see term a summary expressed of as your a rate. transaction. This is not your Prepayment Penalty 09 over Year the rules Homeowner s for making Insurance payments before they are due. YES As high as $,0 0 interest rate..% Property Taxes BORROWER S TRANSACTION Late Payment SELLER S TRANSACTION C. Services Borrower Did Shop For $,.0 Liability after Foreclosure K. Due from Borrower at Closing If your payment is more than days late, your lender will charge a Total $89,. Interest 0Percentage M. Due (TIP). to Seller The total at Closing amount Non-Escrowed $, If your $80, Balloon Payment 0 Pest Inspection Fee to Pests Co. lender forecloses on this property and the foreclosure does not $0.0 Estimated total amount over year for late fee of % of the monthly principal and interest payment. 0 Survey Fee 0 Sale to Price Surveys of Property Co. $8.0 of interest 0$80,000.0 that 0you will pay 0 over Sale Price the loan of Property term as a Property Costs cover the $80,000.0 your amount non-escrowed 0 of unpaid property balance costs: on this loan, 0 Title Insurance Binder 0 Sale to Price Epsilon of Any TitlePersonal Co. Property Included in Sale$0.0 percentage 0 of your loan amount. 0 Sale Price of Any Personal over Property Year Included 9.% in Salex Negative Amortization (Increase in Loan Amount) state law Homeowner s may protect Association you from Dues liability for the unpaid balance. If you 0 Title Lender s Title Insurance 0 Closing to Epsilon CostsTitle PaidCo. at Closing (J) $00.00 $9,8.0 0 Projected Payments0 Title Settlement Agent Fee Under your loan terms, you 0 to Epsilon Title Co. $ lose this You protection may have other and property have to pay costs. any debt remaining even after 0 Title Title Search are scheduled to make monthly payments that do not pay all of Adjustments to Epsilon Title Co. $ Initial Escrow $. foreclosure. A cushion You for may the want escrow to account consult you a lawyer for more information. Payment Calculation 0 Years - the interest due that month. Years As a 8-0 result, your loan amount will 0? 0 Payment increase (negatively amortize), and your loan amount will likely state law pay at does closing. not protect See Section youg from on page liability. for the unpaid balance Borrower-Paid become larger than your $,9.0 original loan Questions? amount. Increases If you have in your Principal & Interest 0 $.8 questions about the loan amount lower the equity $.8 08 you have loan in terms this property. Monthly Escrow $0. The amount included in your total Loan Costs Subtotals (A + B + C) Adjustments for Items Paid by Seller in Advance $,. $9.80 Adjustments or costs on for this Items form, Paid use Payment by the Seller contact in Advance monthly payment. may have monthly payments that do information not pay all of below. the interest 08 City/Town Taxes to 09 City/Town get Taxes more information to Mortgage Insurance due that month. If you do, your loan amount the property value, and market conditions. You may not be able to Other Costs or make will a complaint, increase 09 County Taxes to 0 County Taxes contact the Consumer to (negatively amortize), and, as a result, Financial your loan Protection amount may 0 Assessments to Bureau at Estimated Escrow E. Taxes and Other Government + Fees0. w ill not have an escrow account because you declined it your become larger than + $8.00 your original 0. Assessments to loan amount. Increases in your Amount can increase over 0 time Recording Fees Deed: HOA Dues $0.00 // Mortgage: to $.00 /0/ $8.00 $80.00 HOA Dues // to /0/ loan amount lower the equity you have in this property. Tax Deductions $ Transfer Tax to Any State $90.00 costs, such as taxes and If you homeowner s borrow more insurance. than this Contact property your is worth, the interest on the x do not have a negative amortization feature. Estimated Total F. Prepaids $,0.80 lender to ask if your loan can amount have an above escrow this account. property s fair market value is not deductible Monthly Payment 0 Homeowner s Insurance Premium $,00. ( mo.) to Insurance Co. $,09.9 $9.9 from your federal income taxes. You should consult a tax advisor for Partial Payments 0 Mortgage Insurance Premium No Escrow ( mo.) more information. 0 Prepaid Interest ( $. per day from // This estimate to // Your includes ) lender $9.0 In escrow? Estimated Estimated total amount over year. You L. Paid Already by or on Behalf x of Borrower at Closing $,.0 N. Due from Seller at Closing may accept payments that Contact are less Information than the full amount due Property Costs $,.0 0 Property Taxes ( mo.) to Any County USA $.80 must pay these costs directly, possibly Estimated Taxes, Insurance 0 Deposit x Property Taxes (partial payments) and apply $0,000.0 YES them to 0your loan. 0 Excess Deposit over Year in one or two large payments a year. & Assessments 0 0 Loan Amount $, Lender 0 Closing Costs Paid atmortgage Closing Broker Real Estate Broker Real Estate Broker Settlement Agent G. Initial Escrow $. x Payment at Closing Homeowner s Insurance YES may hold them in a separate $. account until you pay the rest of the Escrow (J) Waiver Fee $, Amount can increase over time (B) (S) 0 Homeowner s a month Insurance $ Existing per month Loan(s) x Other: forassumed Homeowner s mo. or Taken Subject to 0 Existing Loan(s) Assumed or Taken Subject to payment, Association and then apply Dues $0.the full payment to your loan. See page for details 0 Mortgage Insurance 0 per month Name Ficus 0 Bank FRIENDLY MORTGAGE See Escrow for mo. Account Omega Real Estate Alpha Real Estate Epsilon Title Co. does on page not accept for details. any partial You must payments. for other property In the future, $00, Property Taxes $0.0 Seller per Credit month costs for separately. mo. $0.0 $, BROKER Your property INC. costs may Broker change Inc. and, as a result, Broker your escrow Co. payment Terrapin may change. Dr. You 89 may Local be able Laneto cancel your 98 escrow Suburb account, Ct. Commerce Pl. 0 Other Credits Address 0 Random Blvd. 0 0 Rebate from Epsilon Title Co. $0.00 Somecity, 0 ST 0 Somecity, but if you MD do, you must Sometown, pay your property ST costs Someplace, directly. If you ST 0 fail Somecity, ST 0 Security Interest Costs at Closing 0 08 Seller Credit to pay your property taxes, your state $,00.0 or local 0 government may () 0 You are granting a security interest in Adjustments Aggregate Adjustment Somewhere Ave., Anytown, NMLS 0.0ST ID Closing Costs 08 0 you fail to pay any of your property costs, your lender may () add H. Other $9,.0 Includes $,9.0 in Loan Costs + $, ST $,00.00 in License Other ID Costs $0 the amounts to your loan Z balance, () add an escrow Z account to your Z 0 HOA Capital Contribution in tolender HOA Acre Credits. Inc. See page for details. $ Contact Joe Smith JIM loan, TAYLOR or () require you Samuel to pay for Green property insurance Joseph that Cain the lender Sarah Arnold 0 HOA Processing Fee to HOA Acre Inc. You may lose this property $0.0 if you 0 do not make your payments or buys on your behalf, which likely would cost more and provide fewer Cash to Close 0 Home Inspection $,. Fee Includes to Engineers Closing Inc. Costs. Contact NMLS ID 98 Adjustments for Items Unpaid satisfy See by other Calculating Sellerobligations Cash $0.00 for to this Close loan. on page for details. $ Home Warranty Fee to XYZ Warranty Inc. Adjustments $0.00 for Items Unpaid by Seller City/Town Taxes // to // Contact $.0 City/Town Taxes // to // P $.0 P PT 0 Real Estate Commission to Alpha Real Broker $,00.00 ST License ID 0 Real Estate Commission to County Omega Taxes Real Estate Broker to $,00.0 County 0 Taxes to 0 Title Owner s Title Insurance (optional) Assessments to Epsilon Title Co. to $, joesmith@ Assessments to sam@omegare.biz joe@alphare.biz sarah@ CLOSING DISCLOSURE 08 PAGE OF LOAN ID # 89 FRNDLYMTGBRKR.CM epsilontitle.com Borrower-Paid $,08.0 Phone Other Costs Subtotals (E + F + G + H) $, CALCULATION CALCULATION Borrower-Paid Total Due from Borrower at Closing (K) $9,.0 $89,.0 Total Due to Seller at Closing (M) $80, Closing Costs Subtotals D + I Total Paid Already by or on Behalf of Borrower at Closing $9,8.0 (L) $,.0 $9.80 Total $, Due from Seller $0.00 at Closing (N) $0.00 $,.0 Lender Credits Cash to Close x From To Borrower $,. Cash From x To Seller $,.9 this form. CLOSING DISCLOSURE PAGE OF LOAN ID # 89 CLOSING DISCLOSURE PAGE OF LOAN ID # 89 CLOSING DISCLOSURE Applicant Signature Date Co-Applicant PAGE Signature OF LOAN ID # 890 Date CLOSING DISCLOSURE PAGE OF LOAN ID # 89 Guide to Loan Estimate Forms 0