HOEPA Worksheet

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					                         HOEPA Worksheet
              This Program has been designed by
           Bankers Compliance Consulting                                    Only Fill in the Areas Shaded in "YELLOW"
                   800-847-1653

       APR SPREAD TEST                        1st lien      Other lien                                  Version 2010-1
            Find the Treasury Security with the same maturity term at: http://www.federalreserve.gov/releases/h15/
              Use the yield in effect on the 15th of the month before the month the application was received.
Maximum Spread                                    8                10            Loan Number:
Treasury Rate (see note above)                                                Customer Name:
Maximum APR                                       8               10              Loan Officer:
Loan APR                                                                   Date of Application:
Does HOEPA Apply?                            Continue           Continue  Scheduled Payment:
                                                                             Balloon Payment:
                                                                         Lgst pmt if a Var. rate:
                                                                           Total Loan Amount:

     POINTS & FEES TEST                                                                      RESULTS
Finance Charges:                                                                 If "YES" appears in cells D14, E14
  Loan Points                                                                        or D45, this loan is subject to
  Origination Fee                                                                      HOEPA. Provide a HOEPA
  Discount fee                                                                    disclosure to all people that have
  Courier Fee                                                                         the right to rescind the loan
  Life of Loan Flood Determination                                                   (including non-borrowers, if
  Tax Service                                                                    applicable) so that it is received at
  PMI (initial deposit)                                                            least 3 days prior to closing the
  Broker Fees                                                                                      loan.
  Other Finance Charges
Non-Finance Charges:                                                                   Non-Finance Charges are
                                             Paid in Cash        Financed
                                                                                          included ONLY if the
  Doc Prep Fees                                                                             creditor retains or
  In-house appraisals                                                                   receives a portion of the
  Title Insurance / Examination                                                        fee, or the charge is paid
  Credit Life/Disability Premiums                                                          to an affiliate (25%
  Other Non-Finance Charges                                                            ownership) of the creditor.
Total Fees:                                                 0

Amount Financed (from the TIL disclosure):
  less total non-finance charges                            0
"HOEPA" Loan Amount:                                        0                        Refer to Section 226.31 and
                                                                                      226.32 of Regulation Z for
Total Fees/"HOEPA" Loan Amount:                             0                        more information about these
                                                                                            requirements.
Does HOEPA Apply?                                        NO

   Banker's Compliance Consulting             www.bankerscompliance.com                                     800-847-1653
     Loan Number:          0
     Customer Name:        0



                        You are not required to complete this agreement merely because you have
                              received these disclosures or have signed a loan application.

                           If you obtain this loan, the lender will have a mortgage on your home.

                       YOU COULD LOSE YOUR HOME, AND ANY MONEY YOU HAVE PUT INTO IT,
                            IF YOU DO NOT MEET YOUR OBLIGATIONS UNDER THE LOAN.

                                 1) The annual percentage rate on your loan will be: 0%

                                 2) You are borrowing $0

                                      * Optional credit insurance is not a part of this loan.

                                3) Your regular payment amount will be $0




               Signature                                            Date




               Signature                                            Date




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