PreparingforaRegulatoryReviewEXHIBITAMRGSTATEDISCLOSURES doc by CcX6G7

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									                                             EXHIBIT “A”
                                     MIDDLEBERG RIDDLE & GIANNA
                                         STATE DISCLOSURES
STATE                        APPLICATION DISCLOSURES                                 ▲ MORTGAGE BROKER
                                                                                        DISCLOSURES

ALABAMA
        1ST LIEN      Notice of Choice of Agent or Insurer – AL Code § 5-   Mortgage Broker/Loan Officer Disclosure (Nature
                      19-20(e)                                              of Relationship and Method of Compensation)
                                                                            [before broker fees are collected] – AL Code § 5-
                                                                            25-12(a)
       2ND LIEN       Same as 1st lien                                      Same as 1st lien
HELOC 1ST LIEN        Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
ALASKA
      1ST LIEN        ▲Insurance Disclosure - AK Stat § 21.36.168           N/A
     2ND LIEN         Same as 1st lien                                      Same as 1st lien
HELOC 1ST LIEN        Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
ARIZONA
        1ST LIEN      1. ▲Application Disclosure Statement (Advance         1.   Application Disclosure Statement (Advance
                         Fees) – AZ Rev Stat Ann § 6-906.C, 6-946.C              Fees) – AZ Rev Stat Ann § 6-906.C, 6-946.C
                      2. ▲Limited Power of Attorney – AZ Rev Stat           2.   Limited Power of Attorney – AZ Rev Stat
                         Ann § 6-909; Regs R20-4-921                             Ann § 6-909; Regs R20-4-921
                      3. Voluntary Election to Purchase Insurance –
                         R20-4-534
      2ND LIEN        Same as 1st lien                                      Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
ARKANSAS
      1ST LIEN        N/A                                                   N/A
      2ND LIEN        Same as 1st lien                                      Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien




▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                            Page 1 of 17
                                             EXHIBIT “A”
                                     MIDDLEBERG RIDDLE & GIANNA
                                         STATE DISCLOSURES
STATE                        APPLICATION DISCLOSURES                                 ▲ MORTGAGE BROKER
                                                                                        DISCLOSURES

CALIFORNIA
         1st LIEN     1.   ▲ Fair Lending Notice [provide as soon as         1. Fair Lending Notice [provide as soon as
                           reasonably practicable] – CA Health & Safety         reasonably practicable] - CA Code Regs Title
                           Code § 35830; CA Code Regs Tit 21, § 7114            21, § 7102
                      2.   Insurance Disclosure – CA Civ Code §              2. Loan Brokerage Agreement (RMLA License)
                           2955.5(b)                                            [provide prior to performing brokerage
                      4.   ▲Appraisal Report Disclosure Statement (DRE          services for borrower] – CA Fin Code §
                           License) (in compliance with state law if Reg B      50701
                           corollary notice of ECOA given) - CA Bus &        3. Mortgage Loan Disclosure Statement
                           Prof Code § 10241.3                                  (Borrower) (DRE License) [before services
                      5.   Finance Lender Information [prior to lender          are performed] – CA Bus & Prof Code §
                           accepting or requiring any signed instrument or      10240
                           payment of fee] – CA Fin Code § 22337             4. Finance Lender Information [prior to lender
                      6.   Earthquake Insurance Disclosure (if                  accepting or requiring any signed instrument
                           Condominium) - CA Civ Code 2955.1                    or payment of fee] – CA Fin Code § 22338
                      7.   Impound Authorization (also known as escrow       5. Mortgage Loan Disclosure Statement (Good
                           or trust account) – CA Civ Code § 2954               Faith Estimate) (DRE License) [within three
                                                                                business days after receipt of written
                                                                                application or before applicant becomes
                                                                                obligated on a note whichever occurs first] -
                                                                                CA Bus & Prof Code § 10241; CA Code Regs
                                                                                § 10:2840.1
                                                                             6. Lender/Purchaser Disclosure Statement (DRE
                                                                                License) [before lender becomes obligated on
                                                                                loan and before broker receives funds from
                                                                                the lender] - CA Bus & Prof Code §10232.4
                                                                             7. Acknowledgment of Receipt of Appraisal –
                                                                                CA Bus & Prof Code § 11423
      2ND LIEN        Same as 1st lien                                       Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien excluding Impound Authorization
                      and including the Home Equity Loan Disclosure (in
                      compliance with state law if substantially similar
                      federal disclosure given) – CA Civ Code § 2970 &
                      2971
HELOC 2ND LIEN        Same as 1st lien excluding Impound Authorization
                      and including the Home Equity Loan Disclosure (in
                      compliance with state law if substantially similar
                      federal disclosure given) – CA Civ Code § 2970 &
                      2971




▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                            Page 2 of 17
                                             EXHIBIT “A”
                                     MIDDLEBERG RIDDLE & GIANNA
                                         STATE DISCLOSURES
STATE                        APPLICATION DISCLOSURES                                  ▲ MORTGAGE BROKER
                                                                                         DISCLOSURES

COLORADO
         1st LIEN     ♣ Estimate of Settlement Charges to be Paid [within    N/A
                      three days of receipt of application] – CO Stat §38-
                      40-102
      2ND LIEN        Same as 1st lien                                       Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
CONNECTICUT
         1st LIEN     1.   ▲Agreement Concerning Nonrefundability of         Agreement Concerning Nonrefundability of
                           Advance Fee [must be executed before receipt of   Advance Fee [must be executed before advance
                           any fees] – CT Gen Stat §36A-498                  fee is paid] - CT Gen Stat §36A-521
                      2.   ▲Legal Representation Disclosure Statement –
                           CT Gen Stat § 49-6D
                      3.   ▲Legal Representation and Interim Financing
                           Policy Disclosure Statements – CT Gen Stat §
                           49-6A
                      4.   Private Mortgage Insurance Disclosure – CT
                           Gen Stat §36A-726
                      5.   ●Abusive Home Loan Lending Practices Act
                           Disclosure – CT Gen Stat §36A-746b
        2ND LIEN      Same as 1st lien excluding Legal Representation and    Same as 1st lien
                      Interim Financing Policy Disclosure Statements and
                      Private Mortgage Insurance Disclosure
 HELOC 1ST LIEN       Same excluding Private Mortgage Insurance
                      Disclosure.
HELOC 2ND LIEN        Same excluding Legal Representation and Interim
                      Financing Policy Disclosure Statements and Private
                      Mortgage Insurance Disclosure.
DELAWARE
        1ST LIEN      Licensed Lenders Regulations Itemized Schedule of      Mortgage Broker Agreement [before broker
                      Charges [at time application is taken)(An              performs services for borrower] - 5 DEL C §2113;
                      explanation is acceptable for telephone and internet   DE Adm Code §5.2104(2.0)
                      transactions if applicant provides affirmative
                      acknowledgement of disclosure at time of
                      application) – 5 DEL C §2115 & §2218; DE Adm
                      Code §5.2203(1)
      2ND LIEN        Same as 1st lien                                       Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien




▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                            Page 3 of 17
                                             EXHIBIT “A”
                                     MIDDLEBERG RIDDLE & GIANNA
                                         STATE DISCLOSURES
STATE                        APPLICATION DISCLOSURES                                 ▲ MORTGAGE BROKER
                                                                                        DISCLOSURES

DISTRICT OF COLUMBIA
         1st LIEN     N/A                                                   Disclosure of Dual Capacity [when services are
                                                                            first offered to the borrower] - DC Code §26-1114
      2ND LIEN        Same as 1st lien                                      Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
FLORIDA
         1st LIEN     1. ▲Application Disclosure Statement [before fees     1.   Mortgage Broker Agreement (includes
                         collected] – FL Stat §494.0068                          Application Disclosure) - FL Stat
                      2. Disclosure of Multiple Roles in a Consumer              §494.00421; 494.0038
                         Real Estate Transaction [when lender makes         2.   Disclosure of Multiple Roles in a Consumer
                         written agreement with borrower, accepts an             Real Estate Transaction [when lender makes
                         application, application fee, or any third-party        written agreement with borrower, accepts an
                         fee] - FL Stat §494.0023                                application, application fee, or any third-
                      3. ▲Anti-Coercion Letter (includes hazard                  party fee] - FL Stat §494.0023
                         insurance requirements – FL Stat §626.9541)
                                                                             [1 & 2: when broker makes written agreement
                         [prior to application, negotiations for loan, or
                                                                            with borrower, accepts an application, application
                         payment of fees] – Rule 69B-124.002, 69O-
                                                                            fee, or any third-party fee]
                         124.002
      2ND LIEN        Same as 1st lien                                      Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
GEORGIA
         1st LIEN     1. ▲Application Disclosure Statement [prior to        Application Disclosure Statement [prior to
                         accepting fees] – Rule 80-11-1.01                  accepting fees] (Broker: includes loan application
                      2. ▲Foreclosure Statement and Return Mail             fees, commitment fees, Foreclosure Disclosure) -
                                                                            Rule 80-11-1.01; GA Stat § 7-1-1014
                         Request – GA Stat §7-1-1014
                      3. Attorney Preference – GA Stat §7-6A-2(12)(G)
      2ND LIEN        Same as 1st lien                                      Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
HAWAII
        1st LIEN      N/A                                                   N/A
         ND
      2 LIEN          Same as 1st lien                                      Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien




▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                             Page 4 of 17
                                              EXHIBIT “A”
                                      MIDDLEBERG RIDDLE & GIANNA
                                          STATE DISCLOSURES
STATE                         APPLICATION DISCLOSURES                                  ▲ MORTGAGE BROKER
                                                                                          DISCLOSURES

IDAHO
         1st LIEN     1.   ▲Interest Rate Lock/Float Information [at the      1.   Interest Rate Lock/Float Information [when
                           same time the federal TIL disclosure is                 loan application received] – IDAPA
                           delivered] – IDAPA §12.01.10.050.03                     §12.01.10.050.03
                      2. Prepayment Penalty Disclosure [at the same           2.   Fee Disclosure Statement - – ID Code -3114
                           time the federal TIL disclosure is delivered] –    3.   Mortgage Loan Origination Agreement [when
                           IDAPA §12.01.10.050.05                                  loan application is received and before any
                      3. Information About Your Lender [upon receipt of            money is paid] – IDAPA §12.01.10.050
                           an application, and before receipt of any money]
                           – IDAPA §12.01.10.050.01
                      Applies to Residential Mortgage Practice Act
                      licensees
      2ND LIEN        Same as 1st lien                                        Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
ILLINOIS
         1st LIEN     1.    ▲Application Disclosure Statement – 38 ILAC       1. Loan Brokerage Agreement (incorporates
                            1050.1140                                            loan brokerage disclosure statement, borrower
                      2.    ▲Description of Required Documentation – 38          information document, GFE, and TIL) – 38
                                                                                 ILAC 1050.1010
                            ILAC 1050.1120
                                                                              2. Loan Brokerage Disclosure Statement [before
                      3.    ▲Borrower Information Document [before the           borrower signs the agreement or pays any
                            earlier of the applicant signing an application      fees] – 38 ILAC 1050.1020
                            or giving any consideration] – 38 ILAC            3. Borrower Information Document [before the
                            1050.1110 & 1160                                     earlier of the applicant signing an application
                      4.    ♣VA/FHA Fee Disclosure – 38 ILAC                     or giving any consideration] – 38 ILAC
                            1050.1320                                            1050.1110 & 1160
                                                                              4. ♣VA/FHA Fee Disclosure – 38 ILAC
                                                                                 1050.1320
      2ND LIEN        Same as 1st lien                                        Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien excluding VA/FHA Fee Disclosure
HELOC 2ND LIEN        Same as 1st lien excluding VA/FHA Fee Disclosure
INDIANA
         1st LIEN     N/A                                                     Mortgage Loan Broker Agreement [within three
                                                                              days of application] – IN Code §23-2-5-9; 710
                                                                              IAC 1-22
      2ND LIEN        Same as 1st lien                                        Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien




▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                               Page 5 of 17
                                             EXHIBIT “A”
                                     MIDDLEBERG RIDDLE & GIANNA
                                         STATE DISCLOSURES
STATE                        APPLICATION DISCLOSURES                               ▲ MORTGAGE BROKER
                                                                                      DISCLOSURES

IOWA
         1st LIEN     Payment Reduction Fee Disclosure - IA Code          N/A
                      §535.8(3)
      2ND LIEN        Same as 1st lien                                    Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
KANSAS
         1st LIEN     ▲Application Disclosure [prior to entering into     1. Application Disclosure [prior to entering into
                      contract or receiving compensation] – KAR §17-24-      contract or receiving compensation] – KAR
                      1; KS Stat Ann §9-2208                                 §17-24-1; KS Stat Ann §9-2208
                                                                          2. Loan Brokerage Agreement – KS Stat Ann
                                                                             §50-1006
                                                                          3. Disclosure Statement Cover Sheet with
                                                                             Disclosures Required by Kansas Law [at least
                                                                             seven days prior to the execution of the loan
                                                                             brokerage agreement or seven days before the
                                                                             broker receives any money whichever comes
                                                                             first] – KS Stat Ann §50-1006
      2ND LIEN        Same as 1st lien                                    Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
KENTUCKY
         1st LIEN     Notice of Choice of Agent or Insurer – KRS          Mortgage Loan Broker Agency Disclosure [before
                      §304.12-150                                         any personal financial information is obtained (if
                                                                          done by phone, must mail to applicant within two
                                                                          business days)] – KRS §294.270
      2ND LIEN        Same as 1st lien                                    Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
LOUISIANA
         1st LIEN     N/A                                                 Mortgage Loan Origination Agreement [no later
                                                                          than three days after the loan application date] –
                                                                          LA Rev Stat §6:1098
      2ND LIEN        Same as 1st lien                                    Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien




▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                            Page 6 of 17
                                             EXHIBIT “A”
                                     MIDDLEBERG RIDDLE & GIANNA
                                         STATE DISCLOSURES
STATE                        APPLICATION DISCLOSURES                                   ▲ MORTGAGE BROKER
                                                                                          DISCLOSURES

MAINE
         1st LIEN     1.   Notice of Choice of Agent or Insurer – 24-A       1.    Disclosure to Consumer – 9-A MRSA §10-
                           MRSA §2169                                              302
                      2.   ▲Notice to Residential Mortgage Loan              2.    Credit Services Agreement Consumer – 9-A
                           Applicants – 9-A MRSA §9-303; Advisory                  MRSA §10-303; CMR 350 §4
                           Ruling #79
                                                                             [1 & 2: before any agreement is entered into or
                                                                             before any money is paid by a consumer
                                                                             whichever occurs first]
      2ND LIEN        Same as 1st lien                                       Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
MARYLAND
        1ST LIEN      1.  ♣Residential Property Disclosure [on receipt of    N/A
                          application] – MD Real Prop Code Ann §10-702
                      2. Guarantee of Loan Program – COMAR
                          §09.03.06.08
                      3. ▲Property State Attorney’s Fees Disclosure
                          [within three days after the application] – MD
                          Com Law §12-119 & 12-120
                      4. ● Counseling Disclosure Covered Loan – MD
                          Com Law Code Ann §12-124.1
                      5. ● HUD Approved Housing Counseling
                          Agencies in Maryland [when borrower
                          completes loan application] – MD Com Law
                          Code Ann §12-124.1
                      6. ● Baltimore: Homeownership Counseling
                          Agencies [when borrower completes loan
                          application]
        2ND LIEN      Same as 1st lien excluding Property State Attorney’s   Same as 1st lien
                      Fees Disclosure, Counseling Disclosure Covered
                      Loan, and HUD Approved Housing Counseling
                      Agencies in Maryland
 HELOC 1ST LIEN       Same as 1st lien excluding for Counseling Dis-
                      closure Covered Loan, HUD Approved Housing
                      Counseling Agencies in Maryland, and Balti- more:
                      Homeownership Counseling Agencies.
HELOC 2ND LIEN        Same as 1st lien excluding Property State Attorney’s
                      Fees Disclosure, Counseling Disclosure Covered
                      Loan, HUD Approved Housing Counseling
                      Agencies in Maryland, and Baltimore:
                      Homeownership Counseling Agencies.




▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                              Page 7 of 17
                                            EXHIBIT “A”
                                    MIDDLEBERG RIDDLE & GIANNA
                                        STATE DISCLOSURES
STATE                       APPLICATION DISCLOSURES                                 ▲ MORTGAGE BROKER
                                                                                       DISCLOSURES

MASSACHUSETTS
        1ST LIEN      1.  ▲Mortgage Loan Application Supplement            1.   Mortgage Broker Disclosures Required by the
                          (Fixed Rate Loan) – includes disclosure of            Attorney General’s Consumer Protection
                          mortgage lender or mortgage broker license            Regulations [no later than three business
                          number – 209 CMR 42.15; MA Gen Laws 184               days after the acceptance by the broker of an
                          §17B                                                  oral or written application] – 940 CMR §8.05
                      2. Consumer Guide to Obtaining a Home                2.   Loan Origination and Compensation
                          Mortgage – 209 CMR 38.04                              Agreement – 209 CMR §42.15; 940 CMR
                      3. Glossary – 209 CMR 38.04                               §8.05
                      4. Uniform Mortgage Loan Cost Worksheet – MA
                          Gen L 184 §17D
                      5. ▲Courier Fee Notice and Election –
                          Recommended by Div of Banks
                      6. ● High Cost Home Loan Application Disclosure
                          - 209 CMR §32.32(3)(f)
                      7. ● Counseling Disclosure – 209 CMR
                          §32.34(1)(d)(2)
                      8. ▲Mortgage Lender Disclosures Required by the
                          Attorney General’s Consumer Protection
                          Regulations (only if refinance and non-owner
                          occupied) – 940 CMR 8.05
        2ND LIEN      Same as 1st lien except:                             Same as 1st lien
                       excluding Uniform Mortgage Loan Cost
                         Worksheet, and
                       ▲Mortgage Lender Disclosures Required by the
                         Attorney General’s Consumer Protection
                         Regulations (not purchases) – 940 CMR 8.05
 HELOC 1ST LIEN       Same as 1st lien excluding High Cost Home Loan
                      Application, Counseling Disclosure and Mortgage
                      Lender Disclosures Required by the Attorney
                      General’s Consumer Protection Regulations.
HELOC 2ND LIEN        Same as 1st lien excluding Consumer Guide to
                      Obtaining a Home Mortgage, Glossary, Uniform
                      Mortgage Loan Cost Worksheet, High Cost Home
                      Loan Application Disclosure, Counseling Disclosure
                      and Mortgage Lender Disclosures Required by the
                      Attorney General’s Consumer Protection
                      Regulations.




▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                            Page 8 of 17
                                              EXHIBIT “A”
                                      MIDDLEBERG RIDDLE & GIANNA
                                          STATE DISCLOSURES
STATE                         APPLICATION DISCLOSURES                                    ▲ MORTGAGE BROKER
                                                                                            DISCLOSURES

MICHIGAN
        1ST LIEN      1.    Consumer Caution and Home Ownership                1.    ● Consumer Caution and Home Ownership
                            Counseling Notice – MCLA §445.1637                       Counseling Notice – MCLA §445.1637
                      2.    Borrower’s Bill of Rights - MCLA §445.1636         2.    ● Borrower’s Bill of Rights - MCLA
                      3.    HUD Approved Housing Counseling Agencies -               §445.1636
                            MCLA §445.1637                                     3.    ● HUD Approved Housing Counseling
                      4.    Freedom to Choose Insurance Company and                  Agencies - MCLA §445.1637
                            Insurance Professional (if insurance available     4.    Specified Rate of Interest Guarantee
                            through lender/affiliate) – MCLA §500.1243               Disclosure – MCLA §445.1673

      2ND LIEN        Same as 1st lien                                         N/A
 HELOC 1ST LIEN       Freedom to Choose Insurance Company and
                      Insurance Professional
HELOC 2ND LIEN        Freedom to Choose Insurance Company and
                      Insurance Professional
MINNESOTA
        1ST LIEN      1.    ▲Non-Agency Disclosure [within 72 hours of         1.     Non-Agency Disclosure [before application
                            accepting application] – MN Stat §58.15                  is accepted] – MN Stat §58.15
                      2.    Prepayment Penalty Disclosure [must read at        2.    Loan Broker Contract - MN Stat §82.36
                            application and give copy within five days after   3.    ▲Residential Mortgage Origination Contract
                            request for loan] – MN Stat §58.137                      - MN Stat §58.16
                      3.    ▲Residential Mortgage Origination Contract -
                            MN Stat §58.16                                     [2 & 3: before or at the time a fee is paid for
                                                                               services]

      2ND LIEN        Same as 1st lien                                         Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
MISSISSIPPI
        1ST LIEN      N/A                                                      Mortgage Origination Agreement/Fee Disclosure
                                                                               – MS Code Ann §81-18-33
      2ND LIEN        Same as 1st lien                                         Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien




▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                                  Page 9 of 17
                                             EXHIBIT “A”
                                     MIDDLEBERG RIDDLE & GIANNA
                                         STATE DISCLOSURES
STATE                        APPLICATION DISCLOSURES                                 ▲ MORTGAGE BROKER
                                                                                        DISCLOSURES

MISSOURI
        1ST LIEN      N/A                                                   1.   Borrower Information Document [before
                                                                                 borrower signs an application] – 4 CSR
                                                                                 §140-30.090
                                                                            2.   Mortgage Brokerage Disclosure Statement
                                                                                 and Agreement [before the applicant signs an
                                                                                 application or gives any consideration] - 4
                                                                                 CSR §140-30.080

      2ND LIEN        Same as 1st lien                                      Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
MONTANA
        1ST LIEN      Borrower’s Right to Choose Insurance (compliance      Mortgage Loan Originator Disclosure [before
                      with TILA satisfies state requirement)– MT Stat       services are provided to borrower] - MT Stat §32-
                      §33-18-501(3)                                         9-124

      2ND LIEN        Same as 1st lien                                      Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
NEBRASKA
        1ST LIEN      N/A                                                   1. Loan Broker Disclosure – NE Rev Stat §45-
                                                                               191.01
                                                                            2. Disclosure Required By Nebraska Law - NE
                                                                               Rev Stat §45-191.01
      2ND LIEN        Same as 1st lien                                      Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
NEVADA
        1ST LIEN      ▲Application Disclosure Statement – NRS               1. Application Disclosure Statement – NRS
                      §645B.165, 645E.420; 205.950                             §645B.165, 645E.420; 205.950
                                                                            2. Involvement Disclosure - NV Rev Stat
                                                                               §645B.130
                                                                            3. ▲Dual Capacity Disclosure – NAC 645B.235
      2ND LIEN        Same as 1st lien                                      Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien including Dual Capacity Disclosure
HELOC 2ND LIEN        Same as 1st lien including Dual Capacity Disclosure




▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                             Page 10 of 17
                                             EXHIBIT “A”
                                     MIDDLEBERG RIDDLE & GIANNA
                                         STATE DISCLOSURES
STATE                        APPLICATION DISCLOSURES                                   ▲ MORTGAGE BROKER
                                                                                          DISCLOSURES

NEW HAMPSHIRE
        1ST LIEN      1.  Daily Simple Interest Disclosure – NH Rev Stat      1.   Daily Simple Interest Disclosure – NH Rev
                          Ann §397-A:14                                            Stat Ann §397-A:14
                      2. ▲Balloon Disclosure [within three days after         2.   Balloon Disclosure [within three days after
                          application received, or when loan commitment            application received, or when loan
                          letter is submitted to borrower] – NH Code               commitment letter is submitted to borrower] –
                          Admin R Ann 2504.01                                      NH Code Admin R Ann 2504.01
                      3. Application Disclosure Statement [within three
                          days of receiving application] – NH Rev Stat
                          Ann §397-A:16
                      4. ▲Borrowers Right to Choose Insurance [at the
                          time the applicant is first informed that
                          insurance is available through the financial
                          institution] – NH Stat §406-C:10
      2ND LIEN        Same as 1st lien excluding Balloon Disclosure           Same as 1st lien excluding Balloon Disclosure
 HELOC 1ST LIEN       Same as 1st lien excluding Daily Simple Interest
                      Disclosure and Borrowers Right to Choose Insurance
HELOC 2ND LIEN        Application Disclosure Statement only
NEW JERSEY
        1ST LIEN      1.   Attorney Fee Disclosure Statement (includes        Mortgage Broker Agreement [before acceptance
                           conditions of refund of fees) [before borrower’s   of an application] – NJ Admin Code §3:1-16.3 &
                           acceptance of lender’s written offer to make       3:1-16.10
                           loan] – NJ Stat Ann §46:10A-6
                      2. ▲Application Disclosure [before any fees
                           charged; may be included in loan application] –
                           NJ Admin Code §3:1-16.3
                      3. Notice to Borrower (insurance requirement) –
                           NJ Admin Code §3:1-13.1
        2ND LIEN      Same as 1st lien excluding Attorney Fee Disclosure      Same as 1st lien
                      Statement
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien excluding Attorney Fee Disclosure
                      Statement
NEW MEXICO
        1ST LIEN      1. ▲Authorization for Lender to Obtain Insurance        Mortgage Broker Application Disclosure (if
                         – NMAC 13.7.2.9                                      deposit required)– 12.19.8.8 (D)(3) NMAC
                      2. ▲Freedom to Choose Insurance Company and
                         Insurance Professional – NM Stat §59A-16-14
                      3. Application Disclosure (if deposit required) –
                         12.19.8.8(D)(3) NMAC
      2ND LIEN        Same as 1st lien                                        Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien


▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                               Page 11 of 17
                                             EXHIBIT “A”
                                     MIDDLEBERG RIDDLE & GIANNA
                                         STATE DISCLOSURES
STATE                        APPLICATION DISCLOSURES                                    ▲ MORTGAGE BROKER
                                                                                           DISCLOSURES

NEW YORK
        1ST LIEN      1.   ▲Pre-application Disclosure Statement [if          1.    Pre-Application Disclosure and Fee
                           application is accepted by mail or telephone,            Agreement For Use By NY Licensed
                           must mail or deliver within three business days]         Mortgage Bankers and Exempt Organizations
                           – NY Banking Law §595-a; 3 NYCRR §38.3                   Acting As Mortgage Brokers [if application
                      2.   Insurance Disclosure (Hazard)[at the time of             received via mail or telephone, within ten
                           application, may be given with commitment] – 3           days. Electronic disclosures require
                           NYCRR §38.9                                              “Confirm Button”. Mailed within three
                      3.   ● High Cost Home Loans NYSBD Approved                    business days if applicant cannot print.] – 3
                           Counselors - 3 NYCRR §41.3                               NYCRR §38.3
                      4.   FHA Mortgage Loan Disclosure (may be               2.    Pre-Application Disclosure and Fee
                           included in pre-app disclosure statement) [prior         Agreement for Use By NY Registered
                           to accepting an application or any fees] – 3             Mortgage Brokers – 3 NYCRR §38.3
                           NYCRR §38.13                                       3.    Disclosure Regarding Dual Agency Role in
                      5.   ▲● Consumer Caution and Home Ownership                   Residential Real Estate Transactions [during
                                                                                    first substantive contact] - 3 NYCCRR §38.12
                           Counseling Notice - 3 NYCRR §41.3
                                                                              4.    FHA Mortgage Loan Disclosure (may be
                      6.    Disclosure Cover Sheet (for telephone & mail
                                                                                    included in pre-app disclosure statement)
                           application) - 3 NYCRR 38.3(b)(2)(x)
                                                                                    [prior to accepting an application or any fees]
                      7.   ▲● Counseling Disclosure High Cost Home                  – 3 NYCRR §38.13
                           Loan - 3 NYCRR §41.3
                                                                              5.    ▲● Consumer Caution and Home Ownership
                      8.   Alternative Mortgage Disclosure [prior to
                                                                                    Counseling Notice - 3 NYCRR §41.3
                           accepting an application] –3 NYCRR §82.6
                                                                              6.    Disclosure Cover Sheet (for telephone & mail
                                                                                    application) – 3 NYCRR §38.3(a)(2)(xiii),
                                                                                    (c)(2), and (e)
      2ND LIEN        Same as 1st lien                                        Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien excluding FHA Mortgage Loan
                      Disclosure
HELOC 2ND LIEN        Same as 1st lien excluding FHA Mortgage Loan
                      Disclosure; including Mortgage Banker’s
                      Application Disclosure Statement
NORTH CAROLINA
        1ST LIEN      1.   Application Disclosure Statement - NC Gen Stat     N/A
                           §24-1.1A, 24-8
                      2. Notice of Information and Examples of
                           Amortization of Home ($300,000 or less) - NC
                           Gen Stat §24-1.1A(a1)(1)
        2ND LIEN      Same as 1st lien excluding Notice of Information and    Same as 1st lien
                      Examples of Amortization of Home ($300,000 or
                      less)
 HELOC 1ST LIEN       N/A
HELOC 2ND LIEN        N/A




▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                                 Page 12 of 17
                                             EXHIBIT “A”
                                     MIDDLEBERG RIDDLE & GIANNA
                                         STATE DISCLOSURES
STATE                        APPLICATION DISCLOSURES                               ▲ MORTGAGE BROKER
                                                                                      DISCLOSURES

NORTH DAKOTA
        1ST LIEN      1.  Money Broker Contract [before services are      1.   Money Broker Contract [before services are
                          performed] – NDAC §13-05-01-02, -03, -04, -          performed] – NDAC §13-05-01-02, -03, -04, -
                          09, -10                                              09, -10
                      2. Balloon Payment Addendum to Good Faith           2.   Balloon Payment Addendum to Good Faith
                          Estimate of Settlement Charges – NDAC §13-           Estimate of Settlement Charges – NDAC §13-
                          05-01-04                                             05-01-04
                      3. ▲Veteran’s Notice – NC Cent Code §35-03-
                          01.3
      2ND LIEN        Same as 1st lien                                    Same as 1st lien
 HELOC 1ST LIEN       Mortgage Broker Contract
HELOC 2ND LIEN        N/A
OHIO
        1ST LIEN      Anti-Discrimination Notice (attached to state       1. Anti-Discrimination Notice (attached to state
                      specific loan application) – OH Rev Code Ann           specific loan application) – OH Rev Code
                      §4112.021                                              Ann §4112.021
                                                                          2. Mortgage Loan Origination Disclosure
                                                                             Statement [within three days after taking a
                                                                             loan application, if information in disclosure
                                                                             changes, a revised disclosure must be
                                                                             provided not later than three days after the
                                                                             change occurs] – OH Rev Code Ann
                                                                             §1322.062
      2ND LIEN        Same as 1st lien                                    Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
OKLAHOMA
        1ST LIEN      Title Protection Disclosure [at application] – OK   1. Title Protection Disclosure [at application] –
                      Stat 46 §20 & 21                                       OK Stat 46 §20 & 21
                                                                          2. Application Disclosure Statement [when loan
                                                                             application received and before receipt of any
                                                                             money from borrower] – OK Stat 59 §2086
      2ND LIEN        Same as 1st lien                                    Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
OREGON
        1ST LIEN      ▲Escrow Account Options Notice – OR Rev Stat        Fee Agreement - OAR 441-870-0030
                      §86.255
      2ND LIEN        Same as 1st lien                                    Same as 1st lien
 HELOC 1ST LIEN       N/A
HELOC 2ND LIEN        N/A




▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                           Page 13 of 17
                                             EXHIBIT “A”
                                     MIDDLEBERG RIDDLE & GIANNA
                                         STATE DISCLOSURES
STATE                        APPLICATION DISCLOSURES                                 ▲ MORTGAGE BROKER
                                                                                        DISCLOSURES

PENNSYLVANIA
        1ST LIEN      1.   Application Disclosure Statement – PA Stat Ann   1.  Application Disclosure Statement – PA Stat
                           63 §456.308; 10 PA CODE §7.2                         Ann 63 §456.308; 10 PA CODE §7.2
                      2.   Variable Rate Mortgage Under $50,000             2. Disclosure of Multiple Roles in a Consumer
                           Disclosure Statement – PA Stat Ann 41 §301           Real Estate Transaction - PA Stat Ann 63
                                                                                §456.311
                                                                            3. Mortgage Loan Application Supplement
                                                                                (variable rate mortgage under $50,000) - PA
                                                                                Stat Ann 41 §301
        2ND LIEN      Same as 1st lien                                      Same as 1st lien excluding Disclosure of Multiple
                                                                            Roles in a Consumer Real Estate Transaction
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
RHODE ISLAND
        1ST LIEN      1. ▲Application Disclosure Statement – RI Gen         1.   Notice Regarding Title Insurance Policy – RI
                         Laws §34-23-6; §19-9-3                                  Gen Laws §19-9-5 & 19-9-6
                      2. ▲Notice Regarding Title Insurance Policy – RI      2.   Notice Regarding Nonrefundability of Loan
                                                                                 Fees - RI Gen Laws §34-23-6
                         Gen Laws §19-9-5 & 19-9-6
                                                                            3.   Notice to Residential Mortgage Loan
                      3. ▲Notice Regarding Nonrefundability of Loan              Applicants (Attorney Selection) - RI Gen
                         Fees - RI Gen Laws §34-23-6                             Laws §19-9-6
                      4. ▲Notice to Residential Mortgage Loan               4.   Notice Regarding Unemployment Insurance –
                         Applicants (Attorney Selection) - RI Gen Laws           RI Gen Laws §19-14.1-3
                         §19-9-6                                            5.   Borrower’s Right to Choose Insurance – RI
                      5. Notice Regarding Unemployment Insurance –               Gen Laws § 27-29-4(10)
                         RI Gen Laws §19-14.1-3
                      6. Borrower’s Right to Choose Insurance – RI
                         Gen Laws § 27-29-4(10)
      2ND LIEN        Same as 1st lien                                      Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien excluding Borrower’s Right to
                      Choose Insurance
HELOC 2ND LIEN        Same as 1st lien excluding Borrower’s Right to
                      Choose Insurance
SOUTH CAROLINA
        1ST LIEN      1. ▲Attorney and Insurance Agent Preference [if       1.   Mortgage Agreement for Financial Services
                         not included on or with credit application or           [within three days of application receipt] –
                         provide notice which is delivered to borrower           SC Code Ann §37-23-45; §37-23-75; SC
                         no later than three business days after the             Regs 28-400
                         application is received or prepared] – SC Code     2.   Agency to Receive Borrower Complaints –
                         Ann §37-10-102                                          SC Code Ann §37-23-70(D)
                      2. ▲Agency to Receive Borrower Complaints –
                         SC Code Ann §37-23-70(D)
      2ND LIEN        Same as 1st lien                                      Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                              Page 14 of 17
                                             EXHIBIT “A”
                                     MIDDLEBERG RIDDLE & GIANNA
                                         STATE DISCLOSURES
STATE                        APPLICATION DISCLOSURES                                     ▲ MORTGAGE BROKER
                                                                                            DISCLOSURES

SOUTH DAKOTA
       1ST LIEN       N/A                                                       N/A
      2ND LIEN        Same as 1st lien                                          Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
TENNESSEE
       1ST LIEN       N/A                                                       N/A
      2ND LIEN        Same as 1st lien                                          Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
TEXAS
        1ST LIEN      Notice Concerning Extension of Credit [at least           1.   Conditional Qualification Letter - 7 TAC
                      twelve days prior to closing; Texas home equity loan           80.22
                      only] – TX Constit. Sec. 50(a)(6), Article XVI            2.   Conditional Approval Letter - 7 TAC 80.22

                                                                                [1 & 2: If applicant preapproved or prequalified
                                                                                for loan]

                                                                                3.  Disclosure of Multiple Roles in a Consumer
                                                                                    Real Estate Transaction – TX Fin Code Ann
                                                                                    §347.051
                                                                                4. Mortgage Broker/Loan Officer Disclosure
                                                                                    [when application submitted] – TX Fin Code
                                                                                    Ann §156.004, 7 TAC 80.9
        2ND LIEN      Same as 1st lien                                          Same as 1st lien excludes Mortgage Broker/Loan
                                                                                Officer Disclosure
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
UTAH
        1ST LIEN      ▲Application Disclosure Statement [before or at           Application Disclosure Statement [before or at
                      time fee accepted] - UT Code Ann §70D-1-6                 time fee accepted] - UT Code Ann §70D-1-6
      2ND LIEN        Same as 1st lien                                          Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
VERMONT
        1ST LIEN      1.   Interest Rate Disclosure [prior to taking any fees   1.   Broker/Prospective Borrower Agreement
                           or at the time signed application is submitted] –         [prior to accepting any fee or when
                           8 VSA §2220                                               application received] – 8 VSA §2219
                      2.   ▲● High Rate and High Point Disclosure – 9           2.   ● High Rate and High Point Disclosure – 9
                           VSA §104; Reg. B-98-2 §2                                  VSA §104; Reg. B-98-2 §2

      2ND LIEN        Same as 1st lien                                          Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                                 Page 15 of 17
                                              EXHIBIT “A”
                                      MIDDLEBERG RIDDLE & GIANNA
                                          STATE DISCLOSURES
STATE                        APPLICATION DISCLOSURES                                      ▲ MORTGAGE BROKER
                                                                                             DISCLOSURES

VIRGINIA
        1ST LIEN      1.   Borrower’s Right to Choose Insurance (only            1.   Mortgage Broker Disclosure [when broker’s
                           applies to entities that lend and sell insurance) –        services are first offered] - VA Code Ann
                           VA Code §38.2-513.1                                        §6.1-422
                      2.   ▲Lock-In Disclosure - VA Code Ann §6.1-               2.   Lock-In Disclosure - VA Code Ann §6.1-
                           2.9:5                                                      2.9:5

      2ND LIEN        Same as 1st lien excluding Lock-In Disclosure              Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien excluding Lock-In Disclosure
WASHINGTON
        1ST LIEN      1.   Application Disclosure [within three business         1. Application Disclosure [within three business
                           days following receipt of application or any             days following receipt of application or any
                           money from borrower] – WA Rev Code                       money from borrower] – WA Rev Code
                           19.146.030(2)(d) & (f)                                   19.146.030(2)(d) & (f)
                      2.   Rate Lock Disclosure [if entered into after           2. Rate Lock Disclosure [if entered into after
                           disclosure, broker must send written                     disclosure, broker must send written
                           confirmation of terms within three days of               confirmation of terms within three days of
                           execution of the agreement: no lock-in                   execution of the agreement: no lock-in
                           agreement entered into, broker must disclose             agreement entered into, broker must disclose
                           that rate and terms are subject to change] – WA          that rate and terms are subject to change] –
                           Rev Code §19.146.030                                     WA Rev Code §19.146.030
                      3.   Borrower’s Right to Choose Insurance – WA             3. Lock-in Agreement [within three business
                           Rev Code §48.30.260(2)                                   days after receipt of application or any money
                      4.   ▲♣Waiver of Right to Appraisal Prior to                  from borrower] – WA Rev Code
                           Closing – WA Rev Code §19.149.020 (if                    §19.146.030
                           purchase money)                                       4. Computer Loan Information (“CLI”)
                                                                                    Disclosure - WA Rev Code §208.660.025
                                                                                 5. Real Estate Broker Disclosure – WA Rev
                                                                                    Code §19.146.0201
      2ND LIEN        Same as 1st lien                                           Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
WEST VIRGINIA
        1ST LIEN      1. Application Disclosure Statement – WV Code              Application Disclosure Statement – WV Code
                         §31-17-8(m)                                             §31-17-8(m)
                      2. Insurance Notice (if lender provides insurance) -
                         WV Code §46A-3-109(b)(4)
      2ND LIEN        Same as 1st lien                                           Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien




▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                                 Page 16 of 17
                                             EXHIBIT “A”
                                     MIDDLEBERG RIDDLE & GIANNA
                                         STATE DISCLOSURES
STATE                        APPLICATION DISCLOSURES                                  ▲ MORTGAGE BROKER
                                                                                         DISCLOSURES

WISCONSIN
        1ST LIEN      1.   Application Disclosure Statement [prior to       1. Residential Mortgage Origination Contract
                           accepting application fee] – WIAC DFI-BKG           [before a loan commitment is accepted] –
                           §43.04(12)                                          WIAC DFI-BKG §43.04(5m)
                      2.   Notice of Choice of Agent or Insurer – WI Stat   2. Mortgage Broker Agreement - WIAC DFI-
                           §134.10(2)                                          BKG §224.79(1) & (2)
                      3.   ▲Adjustable Rate Loan Without Prepayment         3. Consumer Loan Statement [before entering
                           Penalty – WI Stat. § 138.056(3m)                    into any contract] - WIAC DFI-BKG
                                                                               §224.79(2)
      2ND LIEN        Same as 1st lien                                      Same as 1st lien
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        Same as 1st lien
WYOMING
        1ST LIEN      Prepayment Penalty Disclosure [delivered with TIL]    1.    Mortgage Brokerage Agreement [within three
                      – WY Stat § 40-23-113                                       business days of loan application and prior to
                                                                                  accepting fees] – WY Stat § 40-23-114
                                                                            2.    Commitment Letter – WY Stat § 40-23-
                                                                                  115(a)(i)
                                                                            3.    Interest Rate Lock-in Agreement – WY Stat §
                                                                                  40-23-115(a)(i)
      2ND LIEN        N/A                                                   N/A
 HELOC 1ST LIEN       Same as 1st lien
HELOC 2ND LIEN        N/A




▲   REQUIRES ACKNOWLEDGMENT SIGNATURE: ALL MORTGAGE BROKER DISCLOSURES
    SHOULD HAVE ACKNOWLEDGMENT SIGNATURE
 ● HIGH COST DISCLOSURES       ■ REFI       ♣PURCHASE
[ ] TIME REQUIREMENT SHOWN IN ITALICS WITH BRACKETS

Rev. April 12, 2006                                                                                               Page 17 of 17

								
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