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									America’s Title Group
    Title Resource Guide



  “Service is our Commitment”




www.AmericasTitleGroup.com
America’s Title Group is a full service title insurance agency providing title and
closing services throughout the United States. Our staff brings a diverse
background that includes extensive experience not only within the title industry,
but also as Loan Officer and lenders’ Account Executive. This experience makes
us uniquely qualified to understand and service the needs of today’s mortgage and
real estate professionals.

Our Courteous and Professional staff will:

      Confirm by phone, fax or e-mail that we have received your order

      Return Title Commitments promptly, usually within 24 hours

      Obtain payoffs of all liens

      Assist in clearing most title issues

      Conduct closings professionally at your customer’s convenience:

         Í Weekends, evenings, any day of the week

         Í Home or office

      Deliver your proceeds to your office

      Provide additional customized services upon request




                  “Service is our Commitment”


                             www.AmericasTitleGroup.com
                       2600 Oakstone Drive | Columbus, Ohio 43231
             office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
                                     Fax to (614) 899-1801

                          TITLE ORDER FORM
=====================================================================
COMPANY INFORMATION

Company Name:__________________________________________
Phone:______________________________Fax:_________________
Contact Name:_______________________________________
Email:_______________________________________________
Refinance: _____   Purchase: _____   Land Contract: _____

BORROWER INFORMATION

Last Name:___________________First Name:_______________Initial:_______
Social Security Number:_____________________________Married Y N

CO-BORROWER INFORMATION

Last Name:__________________First Name:________________Initial:_________
Social Security Number:_____________________________ Married: Y N

PROPERTY INFORMATION

Street Address:________________________________________
City:_____________________State:___________Zip:_______________
County:___________________Years In Home:_______

Current Mortgage With:_____________________________
Account Number: ___________________________________

Second Mortgage With: ______________________________
Account Number: ____________________________________

Are there any additional liens, judgments, etc. against the property or owners?   Y N
Do you Wish Us to Obtain Payoffs?      Y N

NEW LOAN INFORMATION

Sales Price: ____________________              Loan Amount: _____________________



                          2600 Oakstone Drive | Columbus, Ohio 43231
                office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
Lender:________________________                   Lender Address:___________________
Loan Contact:___________________                                 ___________________
Proposed closing date:____________                               ___________________

To expedite the processing of this order, please provide the following, if available:
1003, borrower’s authorization, purchase contract, prior survey, prior title insurance policy.


ADDITIONAL INFORMATION/ PURCHASES ONLY

SELLER INFORMATION

Last Name:___________________First Name:___________Initial:___ Married: Y N
Social Security Number:_____________________________
Last Name:___________________First Name:___________Initial:___ Married: Y N
Social Security Number:_____________________________


REAL ESTATE AGENT INFORMATION

LISTING AGENT

Agent Name:____________________________________
Company Name:_________________________________
Phone:_________________Fax:_____________________

SELLING AGENT

Agent Name:____________________________________
Company Name:_________________________________
Phone:_________________Fax:_____________________

ADDITIONAL COMMENTS – SPECIAL INSTRUCTIONS

______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________


                          2600 Oakstone Drive | Columbus, Ohio 43231
                office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
                            Price Schedule for Purchases

STANDARD COSTS                              Buyer                         Seller

Settlement                                  $175                          $50

Title Exam                                                                $185

Title Commitment / Binder                   $50                           $50

Shipping & Handling                         $50                           $25

Wire Administration                         $15

Deed Preparation                                                          Charged At
                                                                          Cost


Title Insurance
        Owner’s policy                                                    $5.75 / $1000
        Lender’s policy                     $100
                                            (If issued with Owner’s policy)

ADDITIONAL COSTS

Endorsements                                Rates vary per type of endorsement.
                                            Please call for quote.


Other Legal Documents                       Charged at Cost

Survey                                      Charged at Cost




                         2600 Oakstone Drive | Columbus, Ohio 43231
               office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
                            Price Schedule for Refinances

STANDARD COSTS

Settlement                                         $225

Title Exam                                         $185

Title Commitment / Binder                          $50

Shipping & Handling                                $50

Wire Administration                                $15

Title Insurance
        Lender’s policy                            $4.00 / $1000
        Owner’s policy                             $5.75 / $1000


ADDITIONAL COSTS

Endorsements                                       Rates vary per type of endorsement.
                                                   Please call for quote.

Simultaneous Issue                                 Owner’s policy rate plus $100
(Owner’s and Lender’s policy)

Deed Preparation                                   Charged At Cost

Other Legal Documents                              Charged at Cost




                         2600 Oakstone Drive | Columbus, Ohio 43231
               office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
                         Frequently Asked Questions
Q. What is title insurance?
Title insurance is an insurance policy that protects your legal rights to own, possess, use,
control, and dispose of land.

Q. Why is transferring the title to real estate different from transferring the title to
other items such as a car?
Transferring a real estate title can be complicated because land is permanent and the
usage of land and the rights to use it can change over the years.

Q. What is a title search?
A title search is a detailed examination of the historical public records concerning a
property. These records include deeds, court records, property and name indexes, and
many other public documents.

Q. Why do I need title insurance?
There are two types of title insurance policies: a lender’s policy and an owner’s policy.
The lender’s policy is required for a mortgage, financially covers the amount of the loan,
and provides protection to the lender. An owner’s policy protects the land owner against
any title loss, which ensures the value of the property. With title insurance, if a claim is
made against the title, the underwriter must pay any and all costs associated with defense
against the challenge, and if unsuccessful in that defense, reimburse the land owner for
any reduction in the value of the land.

Q. Is title insurance as important as homeowner’s insurance?
Homeowner’s insurance typically provides protection against theft or damage. If a fire
destroys your home, you can rebuild and buy new possessions. If the title to the land
fails, you could lose the right to inhabit your home, as well as the land it occupies.

Q. How much does title insurance cost?
Title insurance charges vary in different parts of the country. However, you pay for a
[owner’s policy of] title insurance only once; there are no monthly premiums.

Q. How long does title insurance coverage last?
The lender’s policy of title insurance lasts until the mortgage is paid in full. An owner’s
policy of title insurance lasts for as long as you or your heirs retain an interest in the
property.

Q. Where can I get title insurance?
You can obtain title insurance from America’s Title Group. If you have further
questions about title insurance or any other questions related to Real Estate Transactions,
please contact us at 614.899.8123.


                      2600 Oakstone Drive | Columbus, Ohio 43231
            office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
What you can expect to sign at the closing table…
During the Real Estate closing, both buyer and seller are required to sign important
documents. The following list contains brief explanations of many of the common
documents:

       HUD Statement: This is the detailed financial itemization of the real estate
       transaction. It contains real estate and loan closing costs as well as tax pro-rations,
       homeowner dues, insurance, and title related charges.
       Warranty Deed: Transfers title of the real property from the seller to the buyer.
       Note: This document outlines the borrowing terms and is the agreement between
       the borrower and the lender. In effect it is an I.O.U.
       Mortgage: This is the document filed with the County Recorder placing a lien on
       the property in the amount of the note.
       Truth in Lending Statement (Regulation Z): Discloses the amount financed,
       interest rate, the annual interest rate and the total cost of the loan over its life.
       Itemization of Amount Financed: Explains the prepaid financed costs that are
       subtracted from the total loan amount which are on the Truth in Lending
       Statement.
       Payment Letter: Details the monthly payment.
       Location Survey: Assures the Lender and Buyers that the buildings are located
       within the building setback lines and the buildings do not encroach into
       easements.
       Anti-coercion Form: Buyers acknowledge that they have not been pressured to
       buy hazard insurance from a particular company.
       Tax Pro-ration Agreements: Buyer and Seller may choose to re-prorate the
       taxes and any homeowner association dues if there is a future adjustment in those
       amounts.
       Buyer’s Affidavit: Information on the loan application is still true and correct.
       Seller’s Affidavit: Sellers state that they have not altered the property in any way
       that might cloud the title and affirm that all liens have been addressed.
       Payoff Confirmation: An accounting of disbursements made to payoff lenders
       for all liens against the real property.
       Errors and Omissions/ Compliance Agreement: This mutual agreement
       requires Buyers and Sellers to cooperate, sign, and correct any unintentional
       typographical errors or mistakes on the closing documents.
       Initial Escrow Account Disclosure: Summary of expected deposits and
       disbursements from the loan’s escrow account during the first year.
       W-9 and 4506: Federally proscribed documents where the borrower certifies their
       SSN (W-9) and authorize the IRS to release a transcript of the borrower’s tax
       return to the lender (4506).


                      2600 Oakstone Drive | Columbus, Ohio 43231
            office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
                        Prorating Real Estate Taxes
Questions often arise from the issue of proration of real estate taxes. For example, all too
often, Realtors, lenders and title company representatives hear questions like this one: "I
just received a real estate tax bill for the second half of last year. I just bought this house.
Should I have to pay these taxes even though I did not live in the house at that time?"

The short answer is: “Yes”.

Property taxes are paid in arrears. Taxes owed for the first six months of the year are not
due until January of the following year. Several counties do not require payment until
late February. In rare cases the taxes are not due until even later. Everyone will agree
that these taxes are the responsibility of the party who owned the property during that tax
period. However, there is no incentive for a former owner to pay taxes on a property they
no longer own. And if the taxes remain unpaid the current owner will face penalties that
could include a tax foreclosure.

To prevent the new owner from “getting stuck” with the former owner’s tax bill the taxes
owed by the prior owner are prorated and given to the buyer as a credit at the closing.

Here is how it works: Let’s imagine a property is sold on February 15th. The seller is
responsible for all unpaid taxes through the closing date. Assuming the first half of the
prior year’s taxes was due and paid in January, the seller still owes for July 1st through
February 15th or 230 days. The annual tax bill is divided by 365 and then multiplied by
the days the seller is responsible to pay. For example, if the annual taxes due on the
property are $3,650, the daily tax is equal to $10. Our seller’s proration, or credit to the
buyer is then $2,300 ($3,650 / 365=$10. $10 X 230 days = $2,300).

The buyer, having already received from the seller the portion of taxes the seller will
owe, is now responsible for any taxes coming due.

IMPORTANT: For newly built homes the current taxes due are based on LAND
ONLY, meaning the value for the house has not yet been assessed by the county. If
you plan on escrowing taxes with your lender, please verify they are escrowing the
correct estimated amount to cover the increased amount of taxes that will become
due once the property is re-assessed.




                       2600 Oakstone Drive | Columbus, Ohio 43231
             office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
                           Aggregate Adjustment
An Aggregate Adjustment is a credit on the settlement statement made to a borrower by
the lender to keep a loan in compliance with the federal lending laws that govern the
maximum amount a lender may maintain in a customer’s escrow account.

Federal law allows a lender to maintain a cushion in a borrower’s escrow account equal
to 2 months of the escrow accounts annual expenses. This cushion is to help protect the
lender from shortages in the account due to rising insurance and property tax rates or a
borrower’s failure to make the monthly payments.

At closing the lender instructs the title agency to place funds into an escrow account that,
along with additional deposits from the borrower’s monthly mortgage payments, will
cover the annual expenses for property taxes and hazard insurance. Occasionally, the
escrow account will also be used for mortgage insurance, flood insurance, and condo or
homeowner’s association dues. The escrow account is held and administered by the
lender.

The amount initially deposited is equal to the next billed expense of each escrowed item
minus 1/12 of the annual expense of that item times the number of monthly payments to
be received before that item’s payment is due, plus two additional months. For example,
in Franklin County property taxes are due in January and June. If the sale closes in
November on a home with a $1200 annual tax bill the lender will require that $700 be
placed into the account for property taxes ($600 for the next half that is due in January
minus $100 collected in the January payment plus $200 for the two month cushion =
$700.)

Once the total initial deposit into the escrow account is determined, the lender conducts
an “Initial Escrow Account Analysis”. In this analysis the lender will project for the next
twelve months the expected deposits into and expenses out of the escrow account and
track the projected cash balance of the account at the end of each month. If the analysis
reveals that the lowest projected balance during the coming year exceeds 2/12 of the
annual expenses, the allowable cushion under federal law, the lender will reduce the
initial deposit by the amount the escrow account is expected to exceed the allowable
cushion. This reduction is shown as a credit on the settlement statement and is labeled
“Aggregate Adjustment”.




                      2600 Oakstone Drive | Columbus, Ohio 43231
            office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
                           Dower / Release of Dower
Each married person is endowed of an estate for life in one third (1/3) the Ohio real
property which their spouse owned at any time during the marriage. This estate, known
as DOWER, affects the title to real property unless released or barred.

It is the location of the real estate that determines dower and not the location of the
grantors. Although Indiana repealed its dower statute, a grantor residing in Indiana and
owning Ohio real property must still comply with Ohio’s dower statute.

When only one spouse is in title to a property and wishes to mortgage or convey that
property, the non-titled spouse will be required to “release dower” in order for that
mortgage or conveyance to be fully effective. Dower is released when the non-titled
spouse signs the mortgage or deed. Language stating that the non-titled spouse is
“signing solely to release dower” is often affixed to a mortgage below the signature line
where the non-titled spouse signs.

Please note that adding the language “signing solely to release dower” to a mortgage
below the signature line of a spouse who IS in title, but not personally encumbering
themselves to repay any debt created under a new note (i.e. is not a party to the note and
is not signing the note) is unacceptable due to the fact that it makes the new loan
uninsurable because only the mortgaging spouse’s interest in the property is securing the
note.

Spouses who are releasing dower will be required to sign several documents in addition
to the new mortgage. At a minimum, these will include the Truth-In-Lending Disclosure,
Itemization of Amount Financed, and, in transactions where the borrower’s primary
residence is being refinanced, the Right-to-Cancel.

Dower terminates upon the death of the spouse who owned the property except:

   1. to the extent the property was conveyed by the deceased spouse without the
      release of dower by the surviving spouse; or

   2. to the extent the property was encumbered by the deceased spouse without the
      release of dower by the surviving spouse.




                      2600 Oakstone Drive | Columbus, Ohio 43231
            office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
Dower terminates, in all cases, upon the granting of an absolute divorce in favor or
against such spouse by a court of competent jurisdiction within or without this state.

An action for alimony only, pursuant to Section 3105.17 Ohio Revised Code, does not
terminate the marital status and, therefore, does not terminate either spouse’s dower
rights, unless specifically stated in the judgment entry.

Pursuant to Sections 2103.021 and 5301.03 Ohio Revised Code, whenever “trustee”, “as
trustee”, or “agent” follows the name of the grantee in any deed of conveyance of land,
and no instrument is recorded in the Recorder’s Office of the county where the property
is situated which puts upon inquiry any person dealing with such land that the spouse or
such grantee would have a dower interest in such land, a conveyance of such land by
such grantee to a bona fide purchaser conveys a title free from the claims of any spouse
of such grantee of such land for dower.

However, such spouse may protect the dower interest in such land of such grantee by
recording an affidavit describing such land and setting forth the nature of such spouse’s
interest in such land, prior to the recording of such conveyance by such grantee of such
land.


Please note that one spouse can not under any circumstances convey his or her
dower interest to the other spouse at any time during their marriage.




                      2600 Oakstone Drive | Columbus, Ohio 43231
            office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
                               Good Funds Law

The Ohio Revised Code prohibits a title agent or closing officer from accepting any
monies other than "good funds."

Ohio’s “Good Funds” law, at its simplest, prohibits a title agent from disbursing a
transaction until the agent knows that all funds are in hand. Further, Ohio’s law states
that any funds that are brought to the closing are required to be “Guaranteed” funds.

Guaranteed funds are those monies delivered to the closing by:

   •   Cashiers' checks;
   •   Certified checks;
   •   Money orders;
   •   A bank check drawn upon a federally insured bank, saving and loan, or credit
       union;
   •   Checks from a government agency or municipality;
   •   A reciprocal title insurance agency check from a previous closing; or
   •   A wire transfer where verification of receipt has been established.

A personal check in the amount of $1,000 or less may be used, but any amount in excess
of this figure would result in the closing officer being unable to disburse the transaction
until the check clears or guaranteed funds were provided to the agency.

Examples of funds that are not guaranteed include personal checks, ACH transfers, and
certain types of drafts from credit unions.

Be aware that that Ohio’s Good Funds law does not prohibit title agencies from adopting
policies that are more strict than what is required by the law. For example, an agency
may require that any funds over $500 or even $100 (or less) be brought as guaranteed
funds.

It is important to keep in mind that this requirement is applicable to every buyer in every
transaction, even very large corporations or established partnerships.




                      2600 Oakstone Drive | Columbus, Ohio 43231
            office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
                        Rescission or Right-to-Cancel
If you’re considering applying for a mortgage loan and using your home to guarantee
repayment, you should know that a federal credit law gives you three days to reconsider a
signed credit agreement and cancel the deal without penalty. Your "right to rescind" or
"right to cancel" is guaranteed by the Truth In Lending Act. You can rescind for any
reason but only if you are using your principal residence—whether it is a condominium,
mobile home, or house boat—as collateral, not a vacation, investment or second home.

Under the right to rescind, you have until midnight of the third business day to cancel the
credit transaction. Day one begins after all three of the following occur:

 •   you sign the credit contract;
 •   you receive a Truth in Lending disclosure form containing certain key information
     about the credit contract, including the annual percentage rate; finance charge;
     amount financed; and payment schedule; and
 •   you receive two copies of a Truth in Lending notice explaining your right to
     rescind.

For rescission purposes, business days include Saturdays but not Sundays or legal public
holidays. For example, if the events listed above take place on a Friday, you have until
midnight on the next Tuesday to rescind.

If you decide to rescind, you must notify the creditor in writing. You may not rescind by
telephone or in a face-to-face conversation with the creditor. Your written notice must be
mailed, faxed, or delivered if by other written means, before midnight of the third
business day.

At closing you will be asked to sign a form titled “Notice of Right to Cancel”. This
notice will clearly explain your right to cancel. It will also inform you of the date when
your right to cancel expires and how to contact your lender if you decide to cancel.

The notice will have two signature lines. You will be asked to sign the form at closing
indicating that you have been informed of your right to cancel. The second signature line
is where you will sign if you choose to cancel the loan.




                      2600 Oakstone Drive | Columbus, Ohio 43231
            office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
APR and APR Fees . . .
Annual Percentage Rate (APR) is an expression of the effective interest rate that will be
paid on a loan, taking into account one-time fees and standardizing the way the rate is
expressed. In other words the APR is the total cost of credit to the consumer expressed as
an annual percentage of the amount of credit granted. APR is intended to make it easier
to compare lenders and loan options.

The APR is likely to differ from the "note rate" advertised by the lender.

Lenders are required to disclose the APR at the time of application and again when the
loan is finalized.

. . . and Senate Bill 185 . . .
High Cost Loans. For Ohio, the law lowers the current trigger for high cost “covered”
loans from 8 percent to 5 percent of the total points and fees payable at closing, or 6
percent on loans with yield spread premiums. (O.R.C. 1349.25 (D)(3)(b)). The new law
maintains the federal definition of “points and fees” which are sometimes referred to as
“APR fees”.

       Sec. 1349.25(D)(2)(a) "Points and fees" has the same meaning as in section
       152(a) of the "Home Ownership and Equity Protection Act of 1994," 108 Stat.
       2190, 15 U.S.C. 1602(aa), as amended, and the regulations adopted thereunder by
       the federal reserve board, as amended.

To determine whether a loan is a “High Cost Loan” under Ohio law the APR fees are
subtracted from the gross loan amount. This number, referred to as the “Amount
Financed” on the Truth-in-Lending Disclosure, is divided into APR Fees. The result is a
number that is express as a percentage. If the number is less that 5%, the total fees are
allowable under SB 185.




                      2600 Oakstone Drive | Columbus, Ohio 43231
            office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
Here is a simple example:

       A loan amount of $100,000.00 with APR fees of $4,200.00.

       100,000 – 4,200 = 95,800

       4,200 divided by 95,800 = 4.38%.

       4.38% is less than 5%.

       The fees on this loan are allowable under Ohio Law.

. . . and the lenders.
Federal regulators have been unable to completely define which one-time fees must be
included and which are excluded from the calculation. This leaves the lender with some
discretion to determine which fees will be included in the calculation.

In the example of a mortgage loan, the following kinds of fees are:

Generally included:                    Sometimes included:         Generally not included:

   •   Points                              •   Application fees       •   Appraisal
   •   Pre-paid interest                   •   Credit report fee      •   Home-inspection
   •   Origination fees including          •   Courier fees           •   Survey fees
       loan processing, underwriting       •   Wire fees              •   Title insurance
       and document preparation                                       •   Escrow for taxes
   •   Attorney and Notary fees                                           and insurance
   •   Closing Agent's document
       preparation fees
   •   PMI (private mortgage
       insurance)



Because of the ambiguities that remain in the federal law, two lenders with identical
information may still calculate different APRs.




                      2600 Oakstone Drive | Columbus, Ohio 43231
            office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
Policy   Owner's   Loan     Policy    Owner's   Loan     Policy    Owner's    Loan     Policy    Owner's    Loan
Amount    Policy   Policy   Amount     Policy   Policy   Amount     Policy    Policy   Amount     Policy    Policy

30,000    175.00   125.00    81,000    465.75   324.00   132,000    759.00    528.00   183,000   1,011.00   707.25
31,000    178.25   125.00    82,000    471.50   328.00   133,000    764.75    532.00   184,000   1,015.50   710.50
32,000    184.00   128.00    83,000    477.25   332.00   134,000    770.50    536.00   185,000   1,020.00   713.75
33,000    189.75   132.00    84,000    483.00   336.00   135,000    776.25    540.00   186,000   1,024.50   717.00
34,000    195.50   136.00    85,000    488.75   340.00   136,000    782.00    544.00   187,000   1,029.00   720.25
35,000    201.25   140.00    86,000    494.50   344.00   137,000    787.75    548.00   188,000   1,033.50   723.50
36,000    207.00   144.00    87,000    500.25   348.00   138,000    793.50    552.00   189,000   1,038.00   726.75
37,000    212.75   148.00    88,000    506.00   352.00   139,000    799.25    556.00   190,000   1,042.50   730.00
38,000    218.50   152.00    89,000    511.75   356.00   140,000    805.00    560.00   191,000   1,047.00   733.25
39,000    224.25   156.00    90,000    517.50   360.00   141,000    810.75    564.00   192,000   1,051.50   736.50
40,000    230.00   160.00    91,000    523.25   364.00   142,000    816.50    568.00   193,000   1,056.00   739.75
41,000    235.75   164.00    92,000    529.00   368.00   143,000    822.25    572.00   194,000   1,060.50   743.00
42,000    241.50   168.00    93,000    534.75   372.00   144,000    828.00    576.00   195,000   1,065.00   746.25
43,000    247.25   172.00    94,000    540.50   376.00   145,000    833.75    580.00   196,000   1,069.50   749.50
44,000    253.00   176.00    95,000    546.25   380.00   146,000    839.50    584.00   197,000   1,074.00   752.75
45,000    258.75   180.00    96,000    552.00   384.00   147,000    845.25    588.00   198,000   1,078.50   756.00
46,000    264.50   184.00    97,000    557.75   388.00   148,000    851.00    592.00   199,000   1,083.00   759.25
47,000    270.25   188.00    98,000    563.50   392.00   149,000    856.75    596.00   200,000   1,087.50   762.50
48,000    276.00   192.00    99,000    569.25   396.00   150,000    862.50    600.00   201,000   1,092.00   765.75
49,000    281.75   196.00   100,000    575.00   400.00   151,000    867.00    603.25   202,000   1,096.50   769.00
50,000    287.50   200.00   101,000    580.75   404.00   152,000    871.50    606.50   203,000   1,101.00   772.25
51,000    293.25   204.00   102,000    586.50   408.00   153,000    876.00    609.75   204,000   1,105.50   775.50
52,000    299.00   208.00   103,000    592.25   412.00   154,000    880.50    613.00   205,000   1,110.00   778.75
53,000    304.75   212.00   104,000    598.00   416.00   155,000    885.00    616.25   206,000   1,114.50   782.00
54,000    310.50   216.00   105,000    603.75   420.00   156,000    889.50    619.50   207,000   1,119.00   785.25
55,000    316.25   220.00   106,000    609.50   424.00   157,000    894.00    622.75   208,000   1,123.50   788.50
56,000    322.00   224.00   107,000    615.25   428.00   158,000    898.50    626.00   209,000   1,128.00   791.75
57,000    327.75   228.00   108,000    621.00   432.00   159,000    903.00    629.25   210,000   1,132.50   795.00
58,000    333.50   232.00   109,000    626.75   436.00   160,000    907.50    632.50   211,000   1,137.00   798.25
59,000    339.25   236.00   110,000    632.50   440.00   161,000    912.00    635.75   212,000   1,141.50   801.50
60,000    345.00   240.00   111,000    638.25   444.00   162,000    916.50    639.00   213,000   1,146.00   804.75
61,000    350.75   244.00   112,000    644.00   448.00   163,000    921.00    642.25   214,000   1,150.50   808.00
62,000    356.50   248.00   113,000    649.75   452.00   164,000    925.50    645.50   215,000   1,155.00   811.25
63,000    362.25   252.00   114,000    655.50   456.00   165,000    930.00    648.75   216,000   1,159.50   814.50
64,000    368.00   256.00   115,000    661.25   460.00   166,000    934.50    652.00   217,000   1,164.00   817.75
65,000    373.75   260.00   116,000    667.00   464.00   167,000    939.00    655.25   218,000   1,168.50   821.00
66,000    379.50   264.00   117,000    672.75   468.00   168,000    943.50    658.50   219,000   1,173.00   824.25
67,000    385.25   268.00   118,000    678.50   472.00   169,000    948.00    661.75   220,000   1,177.50   827.50
68,000    391.00   272.00   119,000    684.25   476.00   170,000    952.50    665.00   221,000   1,182.00   830.75
69,000    396.75   276.00   120,000    690.00   480.00   171,000    957.00    668.25   222,000   1,186.50   834.00
70,000    402.50   280.00   121,000    695.75   484.00   172,000    961.50    671.50   223,000   1,191.00   837.25
71,000    408.25   284.00   122,000    701.50   488.00   173,000    966.00    674.75   224,000   1,195.50   840.50
72,000    414.00   288.00   123,000    707.25   492.00   174,000    970.50    678.00   225,000   1,200.00   843.75
73,000    419.75   292.00   124,000    713.00   496.00   175,000    975.00    681.25   226,000   1,204.50   847.00
74,000    425.50   296.00   125,000    718.75   500.00   176,000    979.50    684.50   227,000   1,209.00   850.25
75,000    431.25   300.00   126,000    724.50   504.00   177,000    984.00    687.75   228,000   1,213.50   853.50
76,000    437.00   304.00   127,000    730.25   508.00   178,000    988.50    691.00   229,000   1,218.00   856.75
77,000    442.75   308.00   128,000    736.00   512.00   179,000    993.00    694.25   230,000   1,222.50   860.00
78,000    448.50   312.00   129,000    741.75   516.00   180,000    997.50    697.50   231,000   1,227.00   863.25
79,000    454.25   316.00   130,000    747.50   520.00   181,000   1,002.00   700.75   232,000   1,231.50   866.50
80,000    460.00   320.00   131,000    753.25   524.00   182,000   1,006.50   704.00   233,000   1,236.00   869.75
Policy    Owner's    Loan       Policy    Owner's    Loan       Policy    Owner's     Loan      Policy    Owner's     Loan
Amount     Policy    Policy     Amount     Policy    Policy     Amount     Policy     Policy    Amount     Policy     Policy

234,000   1,240.50    873.00    285,000   1,435.00   1,012.50   336,000   1,613.50   1,140.00   387,000   1,792.00   1,267.50
235,000   1,245.00    876.25    286,000   1,438.50   1,015.00   337,000   1,617.00   1,142.50   388,000   1,795.50   1,270.00
236,000   1,249.50    879.50    287,000   1,442.00   1,017.50   338,000   1,620.50   1,145.00   389,000   1,799.00   1,272.50
237,000   1,254.00    882.75    288,000   1,445.50   1,020.00   339,000   1,624.00   1,147.50   390,000   1,802.50   1,275.00
238,000   1,258.50    886.00    289,000   1,449.00   1,022.50   340,000   1,627.50   1,150.00   391,000   1,806.00   1,277.50
239,000   1,263.00    889.25    290,000   1,452.50   1,025.00   341,000   1,631.00   1,152.50   392,000   1,809.50   1,280.00
240,000   1,267.50    892.50    291,000   1,456.00   1,027.50   342,000   1,634.50   1,155.00   393,000   1,813.00   1,282.50
241,000   1,272.00    895.75    292,000   1,459.50   1,030.00   343,000   1,638.00   1,157.50   394,000   1,816.50   1,285.00
242,000   1,276.50    899.00    293,000   1,463.00   1,032.50   344,000   1,641.50   1,160.00   395,000   1,820.00   1,287.50
243,000   1,281.00    902.25    294,000   1,466.50   1,035.00   345,000   1,645.00   1,162.50   396,000   1,823.50   1,290.00
244,000   1,285.50    905.50    295,000   1,470.00   1,037.50   346,000   1,648.50   1,165.00   397,000   1,827.00   1,292.50
245,000   1,290.00    908.75    296,000   1,473.50   1,040.00   347,000   1,652.00   1,167.50   398,000   1,830.50   1,295.00
246,000   1,294.50    912.00    297,000   1,477.00   1,042.50   348,000   1,655.50   1,170.00   399,000   1,834.00   1,297.50
247,000   1,299.00    915.25    298,000   1,480.50   1,045.00   349,000   1,659.00   1,172.50   400,000   1,837.50   1,300.00
248,000   1,303.50    918.50    299,000   1,484.00   1,047.50   350,000   1,662.50   1,175.00   401,000   1,841.00   1,302.50
249,000   1,309.00    921.75    300,000   1,487.50   1,050.00   351,000   1,666.00   1,177.50   402,000   1,844.50   1,305.00
250,000   1,312.50    925.00    301,000   1,491.00   1,052.50   352,000   1,669.50   1,180.00   403,000   1,848.00   1,307.50
251,000   1,316.00    927.50    302,000   1,494.50   1,055.00   353,000   1,673.00   1,182.50   404,000   1,851.50   1,310.00
252,000   1,319.50    930.00    303,000   1,498.00   1,057.50   354,000   1,676.50   1,185.00   405,000   1,855.00   1,312.50
253,000   1,323.00    932.50    304,000   1,501.50   1,060.00   355,000   1,680.00   1,187.50   406,000   1,858.50   1,315.00
254,000   1,326.50    935.00    305,000   1,505.00   1,062.50   356,000   1,683.50   1,190.00   407,000   1,862.00   1,317.50
255,000   1,330.00    937.50    306,000   1,508.50   1,065.00   357,000   1,687.00   1,192.50   408,000   1,865.50   1,320.00
256,000   1,333.50    940.00    307,000   1,512.00   1,067.50   358,000   1,690.50   1,195.00   409,000   1,869.00   1,322.50
257,000   1,337.00    942.50    308,000   1,515.50   1,070.00   359,000   1,694.00   1,197.50   410,000   1,872.50   1,325.00
258,000   1,340.50    945.00    309,000   1,519.00   1,072.50   360,000   1,697.50   1,200.00   411,000   1,876.00   1,327.50
259,000   1,344.00    947.50    310,000   1,522.50   1,075.00   361,000   1,701.00   1,202.50   412,000   1,879.50   1,330.00
260,000   1,347.50    950.00    311,000   1,526.00   1,077.50   362,000   1,704.50   1,205.00   413,000   1,883.00   1,332.50
261,000   1,351.00    952.50    312,000   1,529.50   1,080.00   363,000   1,708.00   1,207.50   414,000   1,886.50   1,335.00
262,000   1,354.50    955.00    313,000   1,533.00   1,082.50   364,000   1,711.50   1,210.00   415,000   1,890.00   1,337.50
263,000   1,358.00    957.50    314,000   1,536.50   1,085.00   365,000   1,715.00   1,212.50   416,000   1,893.50   1,340.00
264,000   1,361.50    960.00    315,000   1,540.00   1,087.50   366,000   1,718.50   1,215.00   417,000   1,897.00   1,342.50
265,000   1,365.00    962.50    316,000   1,543.50   1,090.00   367,000   1,722.00   1,217.50   418,000   1,900.50   1,345.00
266,000   1,368.50    965.00    317,000   1,547.00   1,092.50   368,000   1,725.50   1,220.00   419,000   1,904.00   1,347.50
267,000   1,372.00    967.50    318,000   1,550.50   1,095.00   369,000   1,729.00   1,222.50   420,000   1,907.50   1,350.00
268,000   1,375.50    970.00    319,000   1,554.00   1,097.50   370,000   1,732.50   1,225.00   421,000   1,911.00   1,352.50
269,000   1,379.00    972.50    320,000   1,557.50   1,100.00   371,000   1,736.00   1,227.50   422,000   1,914.50   1,355.00
270,000   1,382.50    975.00    321,000   1,561.00   1,102.50   372,000   1,739.50   1,230.00   423,000   1,918.00   1,357.50
271,000   1,386.00    977.50    322,000   1,564.50   1,105.00   373,000   1,743.00   1,232.50   424,000   1,921.50   1,360.00
272,000   1,389.50    980.00    323,000   1,568.00   1,107.50   374,000   1,746.50   1,235.00   425,000   1,925.00   1,362.50
273,000   1,393.00    982.50    324,000   1,571.50   1,110.00   375,000   1,750.00   1,237.50   426,000   1,928.50   1,365.00
274,000   1,396.50    985.00    325,000   1,575.00   1,112.50   376,000   1,753.50   1,240.00   427,000   1,932.00   1,367.50
275,000   1,400.00    987.50    326,000   1,578.50   1,115.00   377,000   1,757.00   1,242.50   428,000   1,935.50   1,370.00
276,000   1,403.50    990.00    327,000   1,582.00   1,117.50   378,000   1,760.50   1,245.00   429,000   1,939.00   1,372.50
277,000   1,407.00    992.50    328,000   1,585.50   1,120.00   379,000   1,764.00   1,247.50   430,000   1,942.50   1,375.00
278,000   1,410.50    995.00    329,000   1,589.00   1,122.50   380,000   1,767.50   1,250.00   431,000   1,946.00   1,377.50
279,000   1,414.00    997.50    330,000   1,592.50   1,125.00   381,000   1,771.00   1,252.50   432,000   1,949.50   1,380.00
280,000   1,417.50   1,000.00   331,000   1,596.00   1,127.50   382,000   1,774.50   1,255.00   433,000   1,953.00   1,382.50
281,000   1,421.00   1,002.50   332,000   1,599.50   1,130.00   383,000   1,778.00   1,257.50   434,000   1,956.50   1,385.00
282,000   1,424.50   1,005.00   333,000   1,603.00   1,132.50   384,000   1,781.50   1,260.00   435,000   1,960.00   1,387.50
283,000   1,428.00   1,007.50   334,000   1,606.50   1,135.00   385,000   1,785.00   1,262.50   436,000   1,963.50   1,390.00
284,000   1,431.50   1,010.00   335,000   1,610.00   1,137.50   386,000   1,788.50   1,265.00   437,000   1,967.00   1,392.50
Policy    Owner's    Loan       Policy    Owner's    Loan       Policy    Owner's     Loan      Policy    Owner's     Loan
Amount     Policy    Policy     Amount     Policy    Policy     Amount     Policy     Policy    Amount     Policy     Policy

438,000   1,970.50   1,395.00   489,000   2,149.00   1,522.50   540,000   2,297.50   1,640.00   591,000   2,437.75   1,754.75
439,000   1,974.00   1,397.50   490,000   2,152.50   1,525.00   541,000   2,300.25   1,642.25   592,000   2,440.50   1,757.00
440,000   1,977.50   1,400.00   491,000   2,156.00   1,527.50   542,000   2,303.00   1,644.50   593,000   2,443.25   1,759.25
441,000   1,981.00   1,402.50   492,000   2,159.50   1,530.00   543,000   2,305.75   1,646.75   594,000   2,446.00   1,761.50
442,000   1,984.50   1,405.00   493,000   2,163.00   1,532.50   544,000   2,308.50   1,649.00   595,000   2,448.75   1,763.75
443,000   1,988.00   1,407.50   494,000   2,166.50   1,535.00   545,000   2,311.25   1,651.25   596,000   2,451.50   1,766.00
444,000   1,991.50   1,410.00   495,000   2,170.00   1,537.50   546,000   2,314.00   1,653.50   597,000   2,454.25   1,768.25
445,000   1,995.00   1,412.50   496,000   2,173.50   1,540.00   547,000   2,316.75   1,655.75   598,000   2,457.00   1,770.50
446,000   1,998.50   1,415.00   497,000   2,177.00   1,542.50   548,000   2,319.50   1,658.00   599,000   2,459.75   1,772.75
447,000   2,002.00   1,417.50   498,000   2,180.50   1,545.00   549,000   2,322.25   1,660.25   600,000   2,462.50   1,775.00
448,000   2,005.50   1,420.00   499,000   2,184.00   1,547.50   550,000   2,325.00   1,662.50   601,000   2,465.25   1,777.25
449,000   2,009.00   1,422.50   500,000   2,187.50   1,550.00   551,000   2,327.75   1,664.75   602,000   2,468.00   1,779.50
450,000   2,012.50   1,425.00   501,000   2,190.25   1,552.25   552,000   2,330.50   1,667.00   603,000   2,470.75   1,781.75
451,000   2,016.00   1,427.50   502,000   2,193.00   1,554.50   553,000   2,333.25   1,669.25   604,000   2,473.50   1,784.00
452,000   2,019.50   1,430.00   503,000   2,195.75   1,556.75   554,000   2,336.00   1,671.50   605,000   2,476.25   1,786.25
453,000   2,023.00   1,432.50   504,000   2,198.50   1,559.00   555,000   2,338.75   1,673.75   606,000   2,479.00   1,788.50
454,000   2,026.50   1,435.00   505,000   2,201.25   1,561.25   556,000   2,341.50   1,676.00   607,000   2,481.75   1,790.75
455,000   2,030.00   1,437.50   506,000   2,204.00   1,563.50   557,000   2,344.25   1,678.25   608,000   2,484.50   1,793.00
456,000   2,033.50   1,440.00   507,000   2,206.75   1,565.75   558,000   2,347.00   1,680.50   609,000   2,487.25   1,795.25
457,000   2,037.00   1,442.50   508,000   2,209.50   1,568.00   559,000   2,349.75   1,682.75   610,000   2,490.00   1,797.50
458,000   2,040.50   1,445.00   509,000   2,212.25   1,570.25   560,000   2,352.50   1,685.00   611,000   2,492.75   1,799.75
459,000   2,044.00   1,447.50   510,000   2,215.00   1,572.50   561,000   2,355.25   1,687.25   612,000   2,495.50   1,802.00
460,000   2,047.50   1,450.00   511,000   2,217.75   1,574.75   562,000   2,358.00   1,689.50   613,000   2,498.25   1,804.25
461,000   2,051.00   1,452.50   512,000   2,220.50   1,577.00   563,000   2,360.75   1,691.75   614,000   2,501.00   1,806.50
462,000   2,054.50   1,455.00   513,000   2,223.25   1,579.25   564,000   2,363.50   1,694.00   615,000   2,503.75   1,808.75
463,000   2,058.00   1,457.50   514,000   2,226.00   1,581.50   565,000   2,366.25   1,696.25   616,000   2,506.50   1,811.00
464,000   2,061.50   1,460.00   515,000   2,228.75   1,583.75   566,000   2,369.00   1,698.50   617,000   2,509.25   1,813.25
465,000   2,065.00   1,462.50   516,000   2,231.50   1,586.00   567,000   2,371.75   1,700.75   618,000   2,512.00   1,815.50
466,000   2,068.50   1,465.00   517,000   2,234.25   1,588.25   568,000   2,374.50   1,703.00   619,000   2,514.75   1,817.75
467,000   2,072.00   1,467.50   518,000   2,237.00   1,590.50   569,000   2,377.25   1,705.25   620,000   2,517.50   1,820.00
468,000   2,075.50   1,470.00   519,000   2,239.75   1,592.75   570,000   2,380.00   1,707.50   621,000   2,520.25   1,822.25
469,000   2,079.00   1,472.50   520,000   2,242.50   1,595.00   571,000   2,382.75   1,709.75   622,000   2,523.00   1,824.50
470,000   2,082.50   1,475.00   521,000   2,245.25   1,597.25   572,000   2,385.50   1,712.00   623,000   2,525.75   1,826.75
471,000   2,086.00   1,477.50   522,000   2,248.00   1,599.50   573,000   2,388.25   1,714.25   624,000   2,528.50   1,829.00
472,000   2,089.50   1,480.00   523,000   2,250.75   1,601.75   574,000   2,391.00   1,716.50   625,000   2,531.25   1,831.25
473,000   2,093.00   1,482.50   524,000   2,253.50   1,604.00   575,000   2,393.75   1,718.75   626,000   2,534.00   1,833.50
474,000   2,096.50   1,485.00   525,000   2,256.25   1,606.25   576,000   2,396.50   1,721.00   627,000   2,536.75   1,835.75
475,000   2,100.00   1,487.50   526,000   2,259.00   1,608.50   577,000   2,399.25   1,723.25   628,000   2,539.50   1,838.00
476,000   2,103.50   1,490.00   527,000   2,261.75   1,610.75   578,000   2,402.00   1,725.50   629,000   2,542.25   1,840.25
477,000   2,107.00   1,492.50   528,000   2,264.50   1,613.00   579,000   2,404.75   1,727.75   630,000   2,545.00   1,842.50
478,000   2,110.50   1,495.00   529,000   2,267.25   1,615.25   580,000   2,407.50   1,730.00   631,000   2,547.75   1,844.75
479,000   2,114.00   1,497.50   530,000   2,270.00   1,617.50   581,000   2,410.25   1,732.25   632,000   2,550.50   1,847.00
480,000   2,117.50   1,500.00   531,000   2,272.75   1,619.75   582,000   2,413.00   1,734.50   633,000   2,553.25   1,849.25
481,000   2,121.00   1,502.50   532,000   2,275.50   1,622.00   583,000   2,415.75   1,736.75   634,000   2,556.00   1,851.50
482,000   2,124.50   1,505.00   533,000   2,278.25   1,624.25   584,000   2,418.50   1,739.00   635,000   2,558.75   1,853.75
483,000   2,128.00   1,507.50   534,000   2,281.00   1,626.50   585,000   2,421.25   1,741.25   636,000   2,561.50   1,856.00
484,000   2,131.50   1,510.00   535,000   2,283.75   1,628.75   586,000   2,424.00   1,743.50   637,000   2,564.25   1,858.25
485,000   2,135.00   1,512.50   536,000   2,286.50   1,631.00   587,000   2,426.75   1,745.75   638,000   2,567.00   1,860.50
486,000   2,138.50   1,515.00   537,000   2,289.25   1,633.25   588,000   2,429.50   1,748.00   639,000   2,569.75   1,862.75
487,000   2,142.00   1,517.50   538,000   2,292.00   1,635.50   589,000   2,432.25   1,750.25   640,000   2,572.50   1,865.00
488,000   2,145.50   1,520.00   539,000   2,294.75   1,637.75   590,000   2,435.00   1,752.50   641,000   2,575.25   1,867.25
Policy    Owner's    Loan       Policy    Owner's    Loan       Policy    Owner's     Loan      Policy    Owner's     Loan
Amount     Policy    Policy     Amount     Policy    Policy     Amount     Policy     Policy    Amount     Policy     Policy

642,000   2,578.00   1,869.50   693,000   2,718.25   1,984.25   744,000   2,858.50   2,099.00   795,000   2,998.75   2,213.75
643,000   2,580.75   1,871.75   694,000   2,721.00   1,986.50   745,000   2,861.25   2,101.25   796,000   3,001.50   2,216.00
644,000   2,583.50   1,874.00   695,000   2,723.75   1,988.75   746,000   2,864.00   2,103.50   797,000   3,004.25   2,218.25
645,000   2,586.25   1,876.25   696,000   2,726.50   1,991.00   747,000   2,866.75   2,105.75   798,000   3,007.00   2,220.50
646,000   2,589.00   1,878.50   697,000   2,729.25   1,993.25   748,000   2,869.50   2,108.00   799,000   3,009.75   2,222.75
647,000   2,591.75   1,880.75   698,000   2,732.00   1,995.50   749,000   2,872.25   2,110.25   800,000   3,012.50   2,225.00
648,000   2,594.50   1,883.00   699,000   2,734.75   1,997.75   750,000   2,875.00   2,112.50   801,000   3,015.25   2,227.25
649,000   2,597.25   1,885.25   700,000   2,737.50   2,000.00   751,000   2,877.75   2,114.75   802,000   3,018.00   2,229.50
650,000   2,600.00   1,887.50   701,000   2,740.25   2,002.25   752,000   2,880.50   2,117.00   803,000   3,020.75   2,231.75
651,000   2,602.75   1,889.75   702,000   2,743.00   2,004.50   753,000   2,883.25   2,119.25   804,000   3,023.50   2,234.00
652,000   2,605.50   1,892.00   703,000   2,745.75   2,006.75   754,000   2,886.00   2,121.50   805,000   3,026.25   2,236.25
653,000   2,608.25   1,894.25   704,000   2,748.50   2,009.00   755,000   2,888.75   2,123.75   806,000   3,029.00   2,238.50
654,000   2,611.00   1,896.50   705,000   2,751.25   2,011.25   756,000   2,891.50   2,126.00   807,000   3,031.75   2,240.75
655,000   2,613.75   1,898.75   706,000   2,754.00   2,013.50   757,000   2,894.25   2,128.25   808,000   3,034.50   2,243.00
656,000   2,616.50   1,901.00   707,000   2,756.75   2,015.75   758,000   2,897.00   2,130.50   809,000   3,037.25   2,245.25
657,000   2,619.25   1,903.25   708,000   2,759.50   2,018.00   759,000   2,899.75   2,132.75   810,000   3,040.00   2,247.50
658,000   2,622.00   1,905.50   709,000   2,762.25   2,020.25   760,000   2,902.50   2,135.00   811,000   3,042.75   2,249.75
659,000   2,624.75   1,907.75   710,000   2,765.00   2,022.50   761,000   2,905.25   2,137.25   812,000   3,045.50   2,252.00
660,000   2,627.50   1,910.00   711,000   2,767.75   2,024.75   762,000   2,908.00   2,139.50   813,000   3,048.25   2,254.25
661,000   2,630.25   1,912.25   712,000   2,770.50   2,027.00   763,000   2,910.75   2,141.75   814,000   3,051.00   2,256.50
662,000   2,633.00   1,914.50   713,000   2,773.25   2,029.25   764,000   2,913.50   2,144.00   815,000   3,053.75   2,258.75
663,000   2,635.75   1,916.75   714,000   2,776.00   2,031.50   765,000   2,916.25   2,146.25   816,000   3,056.50   2,261.00
664,000   2,638.50   1,919.00   715,000   2,778.75   2,033.75   766,000   2,919.00   2,148.50   817,000   3,059.25   2,263.25
665,000   2,641.25   1,921.25   716,000   2,781.50   2,036.00   767,000   2,921.75   2,150.75   818,000   3,062.00   2,265.50
666,000   2,644.00   1,923.50   717,000   2,784.25   2,038.25   768,000   2,924.50   2,153.00   819,000   3,064.75   2,267.75
667,000   2,646.75   1,925.75   718,000   2,787.00   2,040.50   769,000   2,927.25   2,155.25   820,000   3,067.50   2,270.00
668,000   2,649.50   1,928.00   719,000   2,789.75   2,042.75   770,000   2,930.00   2,157.50   821,000   3,070.25   2,272.25
669,000   2,652.25   1,930.25   720,000   2,792.50   2,045.00   771,000   2,932.75   2,159.75   822,000   3,073.00   2,274.50
670,000   2,655.00   1,932.50   721,000   2,795.25   2,047.25   772,000   2,935.50   2,162.00   823,000   3,075.75   2,276.75
671,000   2,657.75   1,934.75   722,000   2,798.00   2,049.50   773,000   2,938.25   2,164.25   824,000   3,078.50   2,279.00
672,000   2,660.50   1,937.00   723,000   2,800.75   2,051.75   774,000   2,941.00   2,166.50   825,000   3,081.25   2,281.25
673,000   2,663.25   1,939.25   724,000   2,803.50   2,054.00   775,000   2,943.75   2,168.75   826,000   3,084.00   2,283.50
674,000   2,666.00   1,941.50   725,000   2,806.25   2,056.25   776,000   2,946.50   2,171.00   827,000   3,086.75   2,285.75
675,000   2,668.75   1,943.75   726,000   2,809.00   2,058.50   777,000   2,949.25   2,173.25   828,000   3,089.50   2,288.00
676,000   2,671.50   1,946.00   727,000   2,811.75   2,060.75   778,000   2,952.00   2,175.50   829,000   3,092.25   2,290.25
677,000   2,674.25   1,948.25   728,000   2,814.50   2,063.00   779,000   2,954.75   2,177.75   830,000   3,095.00   2,292.50
678,000   2,677.00   1,950.50   729,000   2,817.25   2,065.25   780,000   2,957.50   2,180.00   831,000   3,097.75   2,294.75
679,000   2,679.75   1,952.75   730,000   2,820.00   2,067.50   781,000   2,960.25   2,182.25   832,000   3,100.50   2,297.00
680,000   2,682.50   1,955.00   731,000   2,822.75   2,069.75   782,000   2,963.00   2,184.50   833,000   3,103.25   2,299.25
681,000   2,685.25   1,957.25   732,000   2,825.50   2,072.00   783,000   2,965.75   2,186.75   834,000   3,106.00   2,301.50
682,000   2,688.00   1,959.50   733,000   2,828.25   2,074.25   784,000   2,968.50   2,189.00   835,000   3,108.75   2,303.75
683,000   2,690.75   1,961.75   734,000   2,831.00   2,076.50   785,000   2,971.25   2,191.25   836,000   3,111.50   2,306.00
684,000   2,693.50   1,964.00   735,000   2,833.75   2,078.75   786,000   2,974.00   2,193.50   837,000   3,114.25   2,308.25
685,000   2,696.25   1,966.25   736,000   2,836.50   2,081.00   787,000   2,976.75   2,195.75   838,000   3,117.00   2,310.50
686,000   2,699.00   1,968.50   737,000   2,839.25   2,083.25   788,000   2,979.50   2,198.00   839,000   3,119.75   2,312.75
687,000   2,701.75   1,970.75   738,000   2,842.00   2,085.50   789,000   2,982.25   2,200.25   840,000   3,122.50   2,315.00
688,000   2,704.50   1,973.00   739,000   2,844.75   2,087.75   790,000   2,985.00   2,202.50   841,000   3,125.25   2,317.25
689,000   2,707.25   1,975.25   740,000   2,847.50   2,090.00   791,000   2,987.75   2,204.75   842,000   3,128.00   2,319.50
690,000   2,710.00   1,977.50   741,000   2,850.25   2,092.25   792,000   2,990.50   2,207.00   843,000   3,130.75   2,321.75
691,000   2,712.75   1,979.75   742,000   2,853.00   2,094.50   793,000   2,993.25   2,209.25   844,000   3,133.50   2,324.00
692,000   2,715.50   1,982.00   743,000   2,855.75   2,096.75   794,000   2,996.00   2,211.50   845,000   3,136.25   2,326.25
Policy    Owner's    Loan       Policy    Owner's    Loan       Policy    Owner's     Loan      Policy          Owner's        Loan
Amount     Policy    Policy     Amount     Policy    Policy     Amount     Policy     Policy    Amount           Policy        Policy

846,000   3,139.00   2,328.50   897,000   3,279.25   2,443.25   948,000   3,419.50   2,558.00    999,000        3,559.75      2,672.75
847,000   3,141.75   2,330.75   898,000   3,282.00   2,445.50   949,000   3,422.25   2,560.25   1,000,000       3,562.50      2,675.00
848,000   3,144.50   2,333.00   899,000   3,284.75   2,447.75   950,000   3,425.00   2,562.50
849,000   3,147.25   2,335.25   900,000   3,287.50   2,450.00   951,000   3,427.75   2,564.75
850,000   3,150.00   2,337.50   901,000   3,290.25   2,452.25   952,000   3,430.50   2,567.00
851,000   3,152.75   2,339.75   902,000   3,293.00   2,454.50   953,000   3,433.25   2,569.25    Please Call for Rates over $1,000,000.00
852,000   3,155.50   2,342.00   903,000   3,295.75   2,456.75   954,000   3,436.00   2,571.50
853,000   3,158.25   2,344.25   904,000   3,298.50   2,459.00   955,000   3,438.75   2,573.75
854,000   3,161.00   2,346.50   905,000   3,301.25   2,461.25   956,000   3,441.50   2,576.00
855,000   3,163.75   2,348.75   906,000   3,304.00   2,463.50   957,000   3,444.25   2,578.25
856,000   3,166.50   2,351.00   907,000   3,306.75   2,465.75   958,000   3,447.00   2,580.50
857,000   3,169.25   2,353.25   908,000   3,309.50   2,468.00   959,000   3,449.75   2,582.75
858,000   3,172.00   2,355.50   909,000   3,312.25   2,470.25   960,000   3,452.50   2,585.00            2600 Oakstone Drive
859,000   3,174.75   2,357.75   910,000   3,315.00   2,472.50   961,000   3,455.25   2,587.25           Columbus, Ohio 43231
860,000   3,177.50   2,360.00   911,000   3,317.75   2,474.75   962,000   3,458.00   2,589.50            Phone (614) 899-8123
861,000   3,180.25   2,362.25   912,000   3,320.50   2,477.00   963,000   3,460.75   2,591.75             Fax (614) 899-1801
862,000   3,183.00   2,364.50   913,000   3,323.25   2,479.25   964,000   3,463.50   2,594.00         www.AmericasTitleGroup.com
863,000   3,185.75   2,366.75   914,000   3,326.00   2,481.50   965,000   3,466.25   2,596.25
864,000   3,188.50   2,369.00   915,000   3,328.75   2,483.75   966,000   3,469.00   2,598.50
865,000   3,191.25   2,371.25   916,000   3,331.50   2,486.00   967,000   3,471.75   2,600.75
866,000   3,194.00   2,373.50   917,000   3,334.25   2,488.25   968,000   3,474.50   2,603.00
867,000   3,196.75   2,375.75   918,000   3,337.00   2,490.50   969,000   3,477.25   2,605.25
868,000   3,199.50   2,378.00   919,000   3,339.75   2,492.75   970,000   3,480.00   2,607.50
869,000   3,202.25   2,380.25   920,000   3,342.50   2,495.00   971,000   3,482.75   2,609.75
870,000   3,205.00   2,382.50   921,000   3,345.25   2,497.25   972,000   3,485.50   2,612.00
871,000   3,207.75   2,384.75   922,000   3,348.00   2,499.50   973,000   3,488.25   2,614.25
872,000   3,210.50   2,387.00   923,000   3,350.75   2,501.75   974,000   3,491.00   2,616.50
873,000   3,213.25   2,389.25   924,000   3,353.50   2,504.00   975,000   3,493.75   2,618.75
874,000   3,216.00   2,391.50   925,000   3,356.25   2,506.25   976,000   3,496.50   2,621.00
875,000   3,218.75   2,393.75   926,000   3,359.00   2,508.50   977,000   3,499.25   2,623.25
876,000   3,221.50   2,396.00   927,000   3,361.75   2,510.75   978,000   3,502.00   2,625.50
877,000   3,224.25   2,398.25   928,000   3,364.50   2,513.00   979,000   3,504.75   2,627.75
878,000   3,227.00   2,400.50   929,000   3,367.25   2,515.25   980,000   3,507.50   2,630.00
879,000   3,229.75   2,402.75   930,000   3,370.00   2,517.50   981,000   3,510.25   2,632.25
880,000   3,232.50   2,405.00   931,000   3,372.75   2,519.75   982,000   3,513.00   2,634.50
881,000   3,235.25   2,407.25   932,000   3,375.50   2,522.00   983,000   3,515.75   2,636.75
882,000   3,238.00   2,409.50   933,000   3,378.25   2,524.25   984,000   3,518.50   2,639.00
883,000   3,240.75   2,411.75   934,000   3,381.00   2,526.50   985,000   3,521.25   2,641.25
884,000   3,243.50   2,414.00   935,000   3,383.75   2,528.75   986,000   3,524.00   2,643.50
885,000   3,246.25   2,416.25   936,000   3,386.50   2,531.00   987,000   3,526.75   2,645.75
886,000   3,249.00   2,418.50   937,000   3,389.25   2,533.25   988,000   3,529.50   2,648.00
887,000   3,251.75   2,420.75   938,000   3,392.00   2,535.50   989,000   3,532.25   2,650.25
888,000   3,254.50   2,423.00   939,000   3,394.75   2,537.75   990,000   3,535.00   2,652.50
889,000   3,257.25   2,425.25   940,000   3,397.50   2,540.00   991,000   3,537.75   2,654.75
890,000   3,260.00   2,427.50   941,000   3,400.25   2,542.25   992,000   3,540.50   2,657.00
891,000   3,262.75   2,429.75   942,000   3,403.00   2,544.50   993,000   3,543.25   2,659.25
892,000   3,265.50   2,432.00   943,000   3,405.75   2,546.75   994,000   3,546.00   2,661.50
893,000   3,268.25   2,434.25   944,000   3,408.50   2,549.00   995,000   3,548.75   2,663.75
894,000   3,271.00   2,436.50   945,000   3,411.25   2,551.25   996,000   3,551.50   2,666.00
895,000   3,273.75   2,438.75   946,000   3,414.00   2,553.50   997,000   3,554.25   2,668.25
896,000   3,276.50   2,441.00   947,000   3,416.75   2,555.75   998,000   3,557.00   2,670.50
                               Common Endorsements
Survey Exception Deletion (Survey Endorsement or Survey Coverage)
Title insurance policies contain exceptions in coverage for certain unknown perils that
should be discovered when a survey is conducted. This coverage has the effect of
insuring without exception for matters discoverable by a boundary survey.

Premium:       Lender’s Policy - $50.00 / Owner’s Policy - $100.00

CLTA 116 – Designation of Improvements, Address Endorsement
This endorsement insures against loss or damage sustained by reason of the failure of an
improvement identified with a street address to be located on the land described in the
policy as of the date of the policy.

Premium:       Lender’s Policy - $75.00

ALTA 4 – Condominium Endorsement
This endorsement is designed to afford the insured lender with broad coverage when the
estate or interest insured is a statutory "condominium".

This endorsement insures against a number of risks with respect to the condominium
regime and documentation when attached to a policy in which the insured land is a
condominium unit.

Premium:       Lender’s Policy - $50.00 / Owner’s Policy (ALTA 4.1) - $100.00

ALTA 6 – Adjustable Rate Mortgage
This endorsement, among other things, affords insured lenders with protection against
loss by reason of the invalidity, loss of priority or unenforceability of the lien of the
insured mortgage resulting from the provisions therein which provide for changes in the
rate of interest (variable rate, convertible, renegotiable rate, adjustable rate, or shared
appreciation mortgages).
Premium:         Lender’s Policy - $75.00

ALTA 8.1 – Environmental Endorsement
This endorsement insures the priority of the mortgage lien against existing or
subsequently recorded federal or state environmental protection liens, except with respect
to environmental protection provided for by certain statutes identified in the endorsement.

Premium:       Lender’s Policy - $75.00 / Owner’s Policy – Not Available


                      2600 Oakstone Drive | Columbus, Ohio 43231
            office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
ALTA 9/CLTA 100 – Comprehensive or REM (Restrictions, Encroachments and
Mineral Rights) Endorsement
This endorsement offers the insured a variety of additional affirmative coverages
including, but not limited to, insurance that there are no covenants, conditions or
restrictions under which the lien of the mortgage can be divested, subordinated or
extinguished, or its validity, priority or enforceability impaired; insurance against present
violations of covenants, conditions or restrictions; and insurance against encroachments
and against damage to existing improvements which encroach upon easement areas or
damage resulting from the right to use the surface of the land for the extraction of
minerals.

Minimum Premium: Lender’s Policy - $150.00 / Owner’s Policy - $150.00

Endorsement Bundling
There are two situations where the premium rate for endorsements is reduced if the
endorsement is provided with another specific endorsement. These situations are:

       1. If Loan Policy Survey Coverage is provided and an ALTA 9 Endorsement is
          issued under the same policy, then the rate for the Loan Policy survey
          coverage is reduced to $25.00.
       2. If the EPA Endorsement is issued along with an ALTA 9 Endorsement on the
          same policy, then the rate for the EPA Endorsement is reduced to$50.00.

Simultaneous Issue
When Owner’s and Loan Policies covering identical land are issued simultaneously, the
combined rate for the simultaneously issued policies shall be the applicable Owner’s rate,
plus $100.00, provided that the Loan Policy does not insure in an amount in excess of the
Owner’s Policy.

When the total of the insurance for the Lender’s Policy exceeds the insurance of the
Owner, the rate for such excess shall be the Original Rate in the applicable bracket or
brackets for such excess amount. To qualify for simultaneous issuance rate, the
mortgagor in the mortgage must be one and the same legal entity as the owner insured by
the Owner’s Policy.




                      2600 Oakstone Drive | Columbus, Ohio 43231
            office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995
                            SIGNATURE AUTHORIZATION

Privacy Act Notice: This information is to be used by the agency collecting it or its assignees in
determining whether you qualify as a prospective borrower or seller under its program. It will not be
disclosed outside the agency except as required and permitted by law. You do not have to provide this
information, but if you do not your application for an approval as a prospective borrower or seller may be
delayed or rejected. The information requested in this form is authorized by Title 42 USC 147 et. Seq., or 7
USC 1921 et seq. (If USDA/FmHA)
Part 1 – General Information
1. Borrower                                 2. Name of Requestor

                                                     America’s Title Group, LLC
                                                     2600 Oakstone Drive
                                                     Columbus, OH 43231
                                                     Phone: 614-899-8123
                                                     Fax: 614-899-1801

3. Date:                                    4. Loan number


Part II – Borrower/Seller Authorization



I hereby authorize the Requestor to verify my past and present employment earnings records,
bank accounts, stock holdings, and any other asset or liability balances that are needed to process
this purchase agreement. I further authorize the Requestor to order a consumer credit report and
verify other credit information, including present mortgage payoff amounts and past landlord
references. It is understood that a copy or fax of this form will also serve as authorization.

The information the Requestor obtains is only to be used in the processing of my real estate
transaction.




Borrower/Seller                                       Date
SSN:



Borrower/Seller                                       Date
SSN:
                     WIRING INSTRUCTIONS



 Account Name:                  America’s Title Group, LLC
                                Escrow Account


          Bank:                 JPMorgan Chase Bank
                                100 E. Broad Street
                                Columbus, Ohio 43215



Account Number:                 Please Call For Account Number


Routing Number:                 021000021




         Email address: docs@americastitlegroup.com



                 2600 Oakstone Drive | Columbus, Ohio 43231
       office: 614.899.8123 | fax: 614.899.1801 | toll free: 866.845.0995

								
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