Page 53 CREDIT SCORE DISCLOSURE NOTICE TO THE HOME LOAN APPLICANT

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					  Page 53                                         CREDIT SCORE DISCLOSURE

                 NOTICE TO THE HOME LOAN APPLICANT
                          CREDIT SCORE

       In connection with your application for a home loan, the lender must disclose
   to you the score that a credit bureau distributed to users and the lender used in
   connection with your home loan, and the key factors affecting your credit scores.

       The credit score is a computer-generated summary calculated at the time of
   the request and based on information a credit bureau or lender has on file. The
   scores are based on data about your credit history and payment patterns. Credit
   scores are important because they are used to assist the lender in determining
   whether you will obtain a loan. They may also be used to determine what interest
   rate you may be offered on the mortgage. Credit scores can change over time,
   depending on your conduct, how your credit history and payment patterns
   change, and how credit scoring technologies change.

      Because the score is based on information in your credit history, it is very
   important that you review the credit-related information that is being furnished to
   make sure it is accurate. Credit records may vary from one company to another.
       If you have questions about your credit score or the credit information that is
   furnished to you, contact the credit bureau at the address and telephone number
   provided with this notice, or contact the lender, if the lender developed or
   generated the credit score. The credit bureau plays no part in the decision to take
   any action on the loan application and is unable to provide you with specific
   reasons for the decision on a loan application. If you have questions concerning
   the terms of the loan, contact the lender.

      Applicant whose credit score was used in the evaluation of a real estate loan
      application

  Name:                      MARY JANE SAMPLE
  Address:                  12345 HAPPY STREET
                            BELLEVUE, CA
  1. Your current or most recent credit score is 692

  2. The range of possible credit scores under the model used is 300 to 850.

  3. All ( but not more that four ) of the key factors that adversely affected the credit
  score:

  4. The date the credit score was created 01/20/2001

  5. The credit reporting agency that provided the credit score is:
      Name:                        National Consumer Credit Center
      Address:                     P.O. Box 100
                                   ALLEN, TX 75010     Telephone Number:




The lender must disclose the borrower’s credit score and credit reporting
 agency that was used to obtain the borrower’s credit history and score.
       NOTICE OF RIGHT TO COPY OF APPRAISAL                           Page 54



           NOTICE OF RIGHT TO COPY OF APPRAISAL
                               PTM FINANCIAL SERVICES




        You have the right to a copy of the appraisal report used in connection with
    your application for credit. If you wish a copy, please write to us at the mailing
    address shown below:



        PTM FINANCIAL
        100 City Blvd
        NOVATO, CA 94949



    We must hear from you no later than 90 days after we notify you about the
    action taken on your credit application or you withdraw your application. In
    your letter, please include your name, the property address and your application
    or loan number, if known. If you have not already paid an appraisal fee, you
    may be required to reimburse us for the cost of the appraisal (and any
    photocopy and postage costs) as a condition to receiving a copy of the appraisal
    report.




                                        MARY JANE SAMPLE                   Date




Required document. Advises the borrower of their right to request, and how to
              request, a copy of the appraisal of the property.
     Page 55                                                HAZARD INSURANCE REQUIREMENTS


               HAZARD INSURANCE AUTHORIZATION, REQUIREMENTS AND
                                  DISCLOSURE

  LENDER: PTM FINANCIAL SERVICES                                                              DATE:     02/07/2002
                                                                                              LOAN NO.: 123456789
  ESCROW: FIRST AMERICAN TITLE COMPANY                                                        ESCROW NO.: 12345
  BORROWER'S NAME (S): MARY JANE SAMPLE

  PROPERTY ADDRESS:            12345 HAPPY STREET
                               BELLEVUE, CA 55555

  California Civil Code 2955.5(a) provides:
      No lender shall require a borrower, as a condition of receiving or maintaining a loan secured by real property, to provide
      hazard insurance coverage against risks to the improvements on that real property in an amount exceeding the
      replacement value of the improvements on the property.

  Listed below are your Lender's policies and procedures and minimum requirements for Hazard Insurance, which must be
  provided
  covering the subject property unless otherwise provided by applicable state law:
  I . Coverage must be in an amount equal to the current replacement value of the improvements or the loan amount
      whichever is less,
  2. The insurance company providing coverage must have an "A" rating or better in the latest edition of "Best's Insurance
       Guide, must be licensed in the State in which the property described above is located, and must be licensed to transact the
       lines of insurance required in the transaction.
  3. Policy shall provide at least "Broad Form" coverage on properties of one to four units, and at least "Vandalism &
      Malicious Mischief" on properties with over four units, Homeowner’s policies must provide coverage equal to "HO 2
  4. The maximum deductible must not exceed $ 1,000 or 1% of the loan amount,
        whichever
         is greater, if the loan is $500,000 or less, $5,000 if the loan is over $500,000.
  5. Policy must provide coverage for a term of at least one year. Premiums may be paid on an annual installment basis only if
       the policy provides that the Lender will be notified in writing of cancellation 30 days prior to expiration of coverage, for
       any cause. Binders are not acceptable, unless otherwise mandated by state law.
  6. If any existing policy is provided which will expire within six months from the date of the recording of this loan, said
      policy must be renewed for the required term as noted in #5 above.
  7. All forms and endorsements pertaining to the Lender's requirements must appear on the "Declaration Page" of the policy.
  8. New policies must be accompanied by a signed "Broker of Record Authorization" if borrower(s) have changed Insurance
      Agents.
  9. Verification of renewal of insurance policies must be in the Lender's office at least thirty days prior to the expiration date
       of the existing policy. If this requirement is not met, the LENDER OR ITS SUCCESSORS OR ASSIGNS MAY AT
       THEIR OPTION, BUT WITHOUT OBLIGATION TO DO SO, PROVIDE COVERAGE TO REPLACE ANY
       EXPIRING POLICIES WHICH HAVE NOT BEEN PROPERLY RENEWED. The premium for such coverage will be
       remitted promptly by the undersigned, or Lender may charge borrower's account for the cost thereof.
  10. The policy must include a standard "mortgage loss payee clause" (Lenders Loss Payable Endorsement form 438 BFU or
      equivalent) in favor of:
        PTM FINANCIAL SERVICES, ITS SUCCESSORS AND/OR ASSIGNS
        350 IGNACIO BLVD, NOVATO, CA 94949
  11.   Property address and insured' names must be designated on the policy as on the ALTA Title Policy.
  12.   The Lender's loan number must appear on the policy and any subsequent endorsements.
  13.   Effective date of new policies, endorsements, and/or assignments shall be as of, or prior to, the date of recording this loan.
  14.   If the security property is a condominium, the master insurance policy must contain a minimum of $ 1,000,000.00
        coverage for "Directors & Officers" liability. A copy of the master policy must be submitted to the Lender prior to
        funding.

  AN ACCEPTABLE POLICY, WITH ENDORSEMENTS AND/OR ASSIGNMENTS, MUST BE FORWARDED TO AND
  RECEIVED BY LENDER BEFORE THIS LOAN CAN BE FUNDED: OTHERWISE, LENDER MAY BE FORCED TO
  PLACE
  INTERIM COVERAGE ON THE PROPERTY AT AN ADDITIONAL COST TO THE BORROWER (S).
  Each of the undersigned acknowledges that he or she has read and understands the foregoing provisions and insurance
  requirements. This authorization will remain irrevocable for the undersigned as owner(s) of the subject property, and for any
  assignees, for as long as this loan remains on subject property.



  MARY JANE SAMPLE                                         Date




  HAZARD INSURANCE AUTHORIZATION, REQUIREMENTS AND DISCLOSURE
Outlines the lender’s requirements regarding hazard (homeowners) insurance,
  such as the amount of deductibles and the required amount of insurance.
          FLOOD INSURANCE DISCLOSURE                                                 Page 56


                      FLOOD HAZARD DETERMINATION

  Date:       FEBRUARY 7, 2002

  Loan Number:           123456789

  Borrower(s) Name(s):         MARY JANE SAMPLE




        Property Address:
     12345 HAPPY STREET
     BELLEVUE, CA 55555


      Pursuant to federal regulations, the Lender has evaluated whether or not the improved real
      property or mobile home (the "Property") which will secure your loan is located in an area
      designated by the Federal Emergency Management Agency ("FEMA") as a "Special Flood
      Hazard Area. " The Lender has determined that according to FEMA the Property is NOT located
      in a designated Special Flood Hazard Area. Therefore, flood insurance will NOT be required by
      the Lender as a condition of closing this loan transaction.

      The National Flood Insurance Reform Act of 1994 provides that if the loan servicer at any time
      during the term of the loan determines that the Property is in a Special Flood Hazard Area the
      loan scrvicer must notify the borrower that flood insurance must be obtained. In these cases, the
      borrower has 45 days to respond and provide evidence of acceptable insurance to the loan
      servicer; if no response is made by the borrower, the loan servicer can force-place flood
      insurance after 45 days from the date of notification.

      The undersigned Borrower(s) agree that flood insurance will be purchased if the Property
      is located in a Special Flood Hazard Area, and if flood insurance is available in the
      community. The undersigned Borrower(s) further agree that if the Property at any time is
      determined to be in a Special Flood Hazard Area, and if insurance is available,
      Borrower(s) will obtain and pay for such insurance in an amount as required by the
      Lender or loan servicer.




                                                                         MARY JANE SAMPLE




The lender is required to determine if the property is located in a flood zone.
   The Determination Notice will advise the borrower whether or not their
 property is in a flood zone. If the property is in a flood zone, the borrower
 will be required to provide proof of flood insurance prior to escrow closing.
   Page 57                                                       INSURANCE DISCLOSURE



                    CALIFORNIA INSURANCE DISCLOSURE


      Loan Number 123456789

      Borrower:

                     Mary Jane Sample



      Property Address   12345 Happy street Bellevue, CA




        California Civil Code Section 2955.5(a) states:

                  "No lender shall require a borrower, as a condition of receiving or
                  maintaining a loan secured by real property, to provide hazard
                  insurance coverage against risks to the improvements on that real
                  property in an amount exceeding the replacement value of the
                  improvements on the property."

        Your acknowledgment below signifies that this written notice was provided to
        you pursuant to the state statute.




               MARY JANE SAMPLE                                        Date




Required Document. Informs the borrower that the lender shall not require a
     borrower to provide coverage exceeding the replacement value of
                      improvements on the property.
INITIAL ESCROW ACOUNT DISCLOSURE STATEMENT                  Page 58




             INITIAL ESCROW ACCOUNT DISCLOSURE STATEMENT
 Only used when there is an impound account on the loan for the payment of
property taxes and/or hazard/flood insurance. This form is an estimate of the
amounts collected for and disbursed from the impound.
     Page 59                                 IMPOUND ACCOUNT DISCLOSURE-WAIVER

                  CALIFORNIA IMPOUND DISCLOSURE/WAIVER
     Applicant: MARY JANE SAMPLE                                        Lender: PTM FINANCIAL
                                                                        Loan No: 123456789




 For convenience, an impound account may be established on the Borrower(s) behalf with the Lender, for the
 payment of property taxes and hazard insurance premiums. The Lender will pay 2% simple interest on money
 deposited into the impound account.

 An impound account is required if:
      (1) Required by state or federal regulatory authority;
      (2) the loan is made, guaranteed or insured by a state or federal governmental lending or insuring agency
      (i.e.,V.A.or FHA);
      (3) The Borrower(s) fails to pay two consecutive tax installments prior to the delinquency date;
      (4) The original principal amount of the loan is 90 percent or more of the sales price or appraised value;
      (5) There are two or more loans secured by the subject property, the combined principal amount of which
          exceeds 80 percent of the appraised value.

 If the Borrower(s) loan does not meet any of the five restrictions described above the Borrower(s) may still elect to
 establish an impound account. The Borrower(s) should register their choice by placing an "X" below, and
 acknowledges this option is available at the time of application and can be changed no more than once annually.

     _____I/We (the "Borrower(s)") request that my/our tax(es) and insurance(s) escrow/impound accounts be
     collected.

     _____I/We (the "Borrower(s)") choose not to have an impound account established in connection with this
     loan.

 If an escrow account is not established the Borrower(s) will assume full responsibility for the timely payment of
 tax(es) and/or insurance premiums for the property referenced herein, and agree to provide proof of such payment
 upon the Lender's request. The Borrower(s) failure to make two such payments within 30 days of their due date will
 result in a revocation of this agreement, and the establishment of an escrow/impound account to be administered by
 the Lender will be mandatory.


 The undersigned hereby acknowledge receipt and understanding of this disclosure.




      MARY JANE SAMPLE                                              Date




                            IMPOUND ACCOUNT DISCLOSURE/WAIVER
Requests that the borrower choose if they want a voluntary Impound Account.
  Allows for additional monies paid each month so the lender can make the
  insurance and tax payments when they become due. This disclosure also
         advises the borrower under what circumstances an impound
                          account may be required.
                  RESPA SERVICING DISCLOSURE                                                                                           Page 60


                                                        RESPA SERVICING DISCLOSURE
LOAN #: 123456789


     Lender:           PTM MORGAGE
         NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGE
         LOAN PAYMENTS MAY BE TRANSFERRED. FEDERAL LAW GIVES YOU CERTAIN RELATED RIGHTS.
         IF YOUR LOAN IS MADE, SAVE THIS STATEMENT WITH YOUR LOAN DOCUMENTS. SIGN THE
         ACKNOWLEDGMENT AT THE END OF THIS STATEMENT ONLY IF YOU UNDERSTAND ITS CONTENTS.
         Because you are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. Section 2601 et seq.) you have
    certain rights under that Federal law.
         This statement tells you about those rights. It also tells you what the chances are that the servicing for this loan maybe transferred to a different loan
    servicer. " Servicing" refers to collecting your principal, interest and escrow account payments, if any, If your loan servicer changes, there are certain
    procedures that must be followed. This statement generally explains those procedures.
    Transfer Practices and Requirements
         If the servicing of your loan is assigned, sold, or transferred to a new servicer, you must be given written notice of that transfer. The present loan servicer
    must send you notice in writing of the assignment, sale or transfer of the servicing not less than 15 days before the effective date of the transfer. The new loan
    servicer must also send you notice within 15 days after the effective date of the transfer. The present servicer and the new servicer may combine this
    information in one notice, so long as the notice is sent to you 15 days before the effective date of transfer. The 15 day period is not applicable if a notice of
    prospective transfer is provided to you at settlement. The law allows a delay in the time (not more than 30 days after a transfer) for servicers to notify you,
    upon the occurrence of certain business emergencies.
         Notices must contain certain information. They must contain the effective date of the transfer of the servicing of your loan to the new servicer, and the
    name, address, and toll-free or collect call telephone number of the new servicer, and toll-free or collect call telephone numbers of a person or department for
    both your present servicer and your new servicer to answer your questions. During the 60-day period following the effective date of the transfer of the loan
    servicing, a loan payment received by your old servicer before its due date may not be treated by the new loan servicer as late, and a late fee may not be
    imposed on you.
    Complaint Resolution
         Section 6 of RESPA (12 U.S.C. Section 2605) gives you certain consumer rights, whether or not our loan servicing is transferred. If you send a "qualified
    written request" to your servicer, your servicer must provide you with a written acknowledgment within 20 Business Days of receipt of your request. A
    "qualified written request" is a written correspondence, other than notice on a payment coupon or other payment medium supplied by the servicer, which
    includes your name and account number, and the information regarding your request. Not later than 60 Business Days after receiving your request, your
    servicer must make any appropriate corrections to your account, or must provide you with a written clarification regarding any dispute. During this 60-Business
    Day period, your servicer may not provide information to a consumer reporting agency concerning any overdue payment related to such period or qualified
    written request.
         A Business Day is any day in which the offices of the business entity are open to the public for carrying on substantially all of its business functions.
    Damages and Costs
         Section 6 of RESPA also provides for damages and costs for individuals or classes of individuals in circumstances where servicers are shown to have
    violated the requirements of that Section.

     Servicing Transfer Estimates
     I. The following is the best estimate of what will happen to the servicing of your mortgage loan:
        ______We may assign, sell or transfer the servicing of your loan while the loan is outstanding. = We are able to service
     your loan and we _____ will_______will not _____ haven't decided whether to service your loan.
    ____ We do not service mortgage loans, = and we have not serviced mortgage loans in the past three years.
    _____We presently intend to assign, sell or transfer the servicing of your mortgage loan. You will be informed about your servicer.
     _____We assign, sell or transfer the servicing of some of our loans while the loan is outstanding depending on the type of loan and other factors. For the program you
     have applied for, we expect to:
        ___sell all of the mortgage servicing                    ____retain all of the mortgage servicing
        ___assign, sell or transfer                       % of the mortgage servicing
    2. For all the first lien mortgage loans that we make in the 12-month period after your mortgage loan is funded, we estimate that the percentage of mortgage loans for
    which we will transfer servicing is between:

        -   ____[0 to 2 5%] or [NONE]         -_____26 to 50%             - ______51 to 75%           x__ [76 to 100%] or [ALL]
    This estimate              does                does not include assignments, sales or transfers to affiliates or subsidiaries. This is on IN
    our best estimate and it is not binding. Business conditions or other circumstances may affect our future transferring decisions.
    3 7-~ We have previously assigned, sold or transferred the servicing of first lien mortgage loans.
              OR
           This is our record of transferring the servicing of the first lien mortgage loans we have made in the past
      Year              Percentage of Loans Transferred (Rounded to nearest quartile - 0%, 25%, 50%, 75%, or 100%)
     1998                           100%
     1999                           100%
     2000                           100%
    This information      ___ does ____ does not include assignments, sales or transfers to affiliates or subsidiaries.

    ACKNOWLEDGMENT OF MORTGAGE LOAN APPLICANT
    I/We have read this disclosure form and understand its contents, as evidenced by my/our signature(s) below. I/We understand that this acknowledgment is a required
    part of the mortgage loan application.



      Mary Jane Sample                                               Date




                                RESPA (Real Estate Settlement Procedures Act)
Required document. Advises the borrower as to the likelihood of the transfer of
      the servicing of their loan to a party other than the original lender.
    Page 61                                            NOTICE OF SERVICING TRANSFER LETTER

                   NOTICE OF SERVICING TRANSFER LETTER

   (Date) FEBRUARY 7, 2002
   (Borrower Name) MARY JANE SAMPLE




   (Address)     12345 HAPPY STREET
                 BELLEVUE, CA 55555

   Seller Loan #        123456789
   Property Address:    12345 HAPPY STREET
                        BELLEVUE, CA 55555


   Dear Mortgagor:

   We are pleased to have had the opportunity to assist you in the financing of your home.

   This letter is to advise you that effective                                  your mortgage loan account has been
   transferred
   to AVON Loan Services Inc. (ALS). This transaction in no way affects the terms or conditions of your loan.

   You will receive an introductory letter along with payment coupons from ALS within the next few weeks. If you do not
   receive this information, please call ALS's Customer Service Department.

   Should you have any questions concerning your loan, please contact AVON Loan Services Inc. at the following address:

                                                     AVON LOAN SERVICES INC.
                                                     100 PARK AVE.
                                                     Scottsbluff, NE 69363

                                                     Customer Service (800) 210-2101

   Please send any payments due prior to                                         to PTM MORTGAGE
   Beginning with your                          First payment, all future remittances should be
   sent to ALS at the address listed above,
   Your payment was calculated as follows:

   Principal and Interest                 $1,663.26
   Taxes
   Insurance
   Total Monthly Payment                  $1,663.26

   In order to insure the correct posting of your payments, please indicate the property address on your check or money order.

   It has been a pleasure to be of service to you.


   Sincerely,

            PTM MORTGAGE




 Occasionally the lender knows they will be selling the servicing of the loan
immediately after funding. The lender advises the borrower with this notice.
The borrower is advised where to send his/her payments and his/her rights if
               he/she sends a payment to the wrong servicer.
     PER DIEM INTEREST DISCLOSURE                         Page 62

     California Residential Mortgage Lending Act
             Per Diem Interest Disclosure

   “We, Us" or "our” means PTM FINANCIAL, 100 City Street, Novato,
   CA 94949.


 "You"' or "your" means each applicant who signs below.

 Section 50204 of the California Financial Code provides that lenders
 licensed under the California Residential Mortgage Lending Act shall
 not require a borrower to pay interest on a mortgage loan for a
 period in excess of one day prior to recording of the mortgage or
 deed of trust, unless the following disclosure is made in writing to
 the borrower: (1) the amount of additional per diem interest charged
 to accommodate recording on Monday or the day following a holiday,
 as the case may be, and (2) that it may be possible to avoid the
 additional per diem interest charge by recording the loan or deed of
 trust on a day immediately following a business day.

 The current tentatively scheduled recording date for your mortgage
 or deed of trust is shown below. If this date is a Monday or a day
 following a holiday, you will be charged additional interest
 beginning on the immediately preceding business day, at the
 additional per diem charge shown below.

 You may avoid the additional per diem interest charge if the
 recording date is changed to a day immediately following a business
 day.


 Current tentatively scheduled recording date: FEBRUARY 11, 2002.


 Additional per diem interest charge:     $47.95 (i.e., per day)

                         ACKNOWLEDGMENT OF RECEIPT


 You acknowledge that you have read, understood and received a copy
 of this Disclosure.

 Date:

    __________________
             MARY JANE SAMPLE




Required document. Advises the Borrower that the Lender shall not charge
 interest for more than one day prior to the recording of the Deed of Trust
 unless the above notice has been provided and that the borrower has the
     option to avoid a recording date that follows a Sunday or holiday.
     Page 63               AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE

                       AFFILIATED BUSINESS ARRANGEMENT
                             DISCLOSURE STATEMENT


 To:        MARY JANE SAMPLE                                            Date Sent 2/7/02

 From:      PTM FINANCIAL           ("Lender")



 This is to give you notice that Lender has a business relationship with Patterson Appraisal &
 Settlement Services Inc. . Lender and Patterson are affiliates, both subsidiaries of a common parent
 company. Because of this relationship, this referral may provide Lender a financial or other benefit.
 Set forth below is the estimated charge or range of charges for the settlement services listed. You are
 NOT required to use the listed provider(s) as a condition for settlement of your loan on the subject
 property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS
 AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO
 DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR
 THESE SERVICES.

                   Provider and Settlement Service          Charge or Range of Charges
                     Title Examination                      $ 75.00           $ 245.00
                   - Title Insurance                        $ .90             5.75 per $1000-00
                   - Settlement or Closing Fee              $ 275.00          $ 350.00
                   - Flood Certification                    22.00             $ 30.00

 Set forth below is the estimated charge or range of charges for the settlement services of an attorney,
 credit reporting agency, or real estate appraiser that we, as your lender, will require you to use, as a
 condition of your loan on this property, to represent our interest in the transaction.

                              Provider and Settlement Service      Charge or Range of Charges
                                  PATERSON Appraisal                   $240.00 - $490.00

 Acknowledgment

 I/we have read this disclosure form, and understand that Lender is referring me/us to purchase the
 above-described settlement service from PTM FINANCIAL and may receive financial or other benefit
 as the result of this referral.




                     MARY JANE SAMPLE                           Date




Advises the borrower of the business arrangements the lender has with other
companies that may provide services to the borrower. The Disclosure advises
    the borrower that he/she may seek services from another provider.
     FAIR LENDING NOTICE                                    Page 64




Outlines the illegality of discriminating against applicants based on certain
  criteria. This notice also advises the borrower of the process to file a
       complaint with a federal agency if they feel they have been
                            discriminated against.
 Page 65                 W-9 * REQUEST FOR TAXPAYER ID NUMBER




                                                                     INITIAL


               REQUEST OF TAXPAYER ID NUMBER * W-9
Requires the borrower to certify their Social Security number so that the
  lender can properly submit to the IRS the amount of interest paid by
                             the borrower.
  4506 * REQUEST FOR COPY OF TRANSCRIPT                    Page 66




         4506 * REQUEST FOR COPY or TRANSCRIPT OF TAX FORM
Allows the lender to obtain information on the borrower’s tax return from the
     IRS to verify the information the borrower submitted to the lender.
       Page 67                                                                                              PRIVACY POLICY

                                             Our Privacy Notice
    Customer Name and Address:
     MARY JANE SAMPLE


          Keeping customer information secure is a top priority for all of us at PTM MORTGAGE. We are providing you this privacy notice
          to help you understand how we handle the personal information about you that we collect and may disclose. This notice tells you
          how you can limit our disclosure of personal information about you. The provisions of this notice will apply to former customers as
          well as current customers unless we indicate otherwise.

Our Policies and Practices to Protect Your Personal
Information
          We protect personal information we collect about you by maintaining physical, electronic, and procedural safeguards that meet or
          exceed applicable law. Third parties who have access to personal information must agree to follow appropriate standards of security
          and confidentiality.

          We train people who work for us how to properly handle personal information and we restrict access to it. As a current customer,
          you can rely on the PTM Privacy Promise for Consumers that is followed by the PTM family of companies. It is found at the end of
          this notice.


Categories of Personal Information We Collect And
May Disclose
           The personal information we may collect about you comes from various sources including:
•     Information we receive from you on applications or other forms, such as name, address, social security number, telephone number,
      income, and occupation.
•     Information about your transactions with us, our affiliates, or nonaffiliated third parties, such as account balances, payment history, and
      account activity.
•     Information we receive from a consumer reporting agency, such as your credit bureau reports and other information relating to your
      creditworthiness.
•      Information we receive about you from other sources, such
       as your employer and other third parties.

We may disclose any of the above information that we collect to affiliates and nonaffiliated third parties as described below.


Categories of Affiliates To Whom We May Disclose
Personal Information
Our affiliates are the family of companies controlled by, Inc. Affiliates to whom we may disclose personal information about you are in
several different businesses, including banking, credit cards, consumer finance, securities and insurance. Our affiliates do business under
names that include, CDE Associates, ABC Insurance,

Categories of Nonaffiliated Third Parties To Whom
We May Disclose Personal Information
Nonaffiliated third parties are those not part of the family of companies controlled by PTM Inc. We may disclose personal information about
you to the following types of nonaffiliated third parties:
•    Financial services providers, such as companies engaged in banking, credit cards, consumer finance, securities, and insurance.
•    Non-financial organizations, such as companies engaged in direct marketing and the selling of consumer products and services.

If you check Box 1 on the Privacy Choices Form, we will not make those disclosures except as follows. First, we may disclose information
about you as described in "Categories of Personal Information We Collect and May Disclose" to third parties that perform marketing services
on our behalf or to other financial institutions with whom we have joint marketing agreements. Second, we may disclose personal information
about you to third parties as permitted by law, including disclosures necessary to process and service your account.


                                                                                                                                  Page 1 of 3




Required Document. Borrower must specifically request that his/her personal
       information not be disclosed to other companies or affiliates.
         GOOD FAITH ESTIMATE - RESPA                                                                                                   Page 68


                                GOOD FAITH ESTIMATE - RESPA
                                                                                                                ESTIMATED
     LENDER: PTM MORTGAGE                                                                                     LOAN AMOUNT: $                  250,000,00
                                                                                                                                           01/29/2002
     The information provided below reflects estimates of the charges, which you are likely to incur at the settlement of your loan.


      The fees listed are estimates - actual charges may be more or less. Your transaction may not involve a fee for every item listed.
          The numbers listed beside the estimates generally correspond to the numbered lines contained in the HUD-1 or HUD-1 A settlement
      statement which you v be receiving at settlement, The HUD-1 or HUD-lA settlement statement will show you the actual cost for items paid at
      settlement.

     NUMBERS FROM                                          DESCRIPTION OF CHARGES                                                      ESTIMATED AMOUNT
     HUD-1 FORM                                                                                                                             OR RANGE
              801.      LOAN ORIGINATION FEE %                                                                                   $ 0.00
              802.      LOAN DISCOUNT FEE 3 .0000 %                                                                              $ 7,506.54
              803.      APPRAISAL FEE                                                                                            $ 2 50. 0 0        -400.00
              804.      CREDIT REPORT                                                                                            $ 2.50 - 5.00
              805.      INSPECTION FEE                                                                                           $
              808.      MORTGAGE BROKER FEE PAID FROM PROCEEDS TO                                                                $
              809.      POINTS PAID TO MORTGAGE BROKER                                                                           $
              810.      MORTGAGE BROKER FEE PAID BY LENDER    $ 6,228.97 (P.O.C.)                                                $ N/A
                        PFSHM
              811.      MORTGAGE BROKER FEE PAID BY BORROWER $ (P. 0. C.)                                                        $
              812.                                                                                                               $
              1101      SETTLEMENT OR CLOSING FEE                                                                                $ 2 7 5. 0 0        3 5 0. 00
              .
              1102      ABSTRACT OR TITLE SEARCH FEE                                                                             $
              .
              1103      TITLE EXAMINATION                                                                                        $ 7 5. 0 0        24 5 . 0 0
              .
              1104      TITLE INSURANCE BINDER                                                                                   $
              .
              1105      DOCUMENT PREPARATION FEE                                                                                 $ 125.00
              .
              1106      NOTARY FEES                                                                                              $
              .
              1107      ATTORNEYS' FEES                                                                                          $
              .
              1108      TITLE INSURANCE                                                                                          $ 751.80
              .
              1111      MORTGAGE IMPAIRMENT INSURANCE                                                                            $
              .
              1112      TAX-RELATED SERVICE FEE                                                                                  $ 25.00          50.00
              .
              1201      RECORDING FEES                                                                                           $ 40.00
              .
              1202      CITY/COUNTY TAX/STAMPS                                                                                   $
              .
              1203      STATE TAX/STAMPS                                                                                         $
              .
              1204                                                                                                               $ 0.00
              .
              1205                                                                                                               $
              .
              1301      SURVEY                                                                                                   $
              .
              1302      PEST INSPECTIONS                                                                                         $
              .
              1303      OVERNIGHT DELIVERY FEE                                                                                   $
              .
              1304      FLOOD CERTIFICATION FEE                                                                                  $ 22. 00      2 5. 0 0
              .
              1305                                                                                                               $ 0.00
              .

    These estimates are provided pursuant to the Real Estate Settlement Procedures Act of 1974, as amended (RESPA).

        THIS SECTION TO BE COMPLETED BY LENDER ONLY IF A PARTICULAR PROVIDER OF SERVICE IS REQUIRED
        Listed below are providers of service which we require you use. The charges or range indicated in the Good Faith
        Estimate above are based upon the corresponding charge of the below designated providers.

        ITEM # SERVICE PROVIDED                       PROVIDER'S NAME AND ADDRESS                                   TELEPHONE #                   RELATIONSHIP
                                                      Patterson Appraisal and Settlement Services

        803          APPRAISAL                       Linthicum, Maryland 21090                                      (410) 800-1000                YES           NO
        804          Credit Report                   TRW,  Inc.                                                  800 682-7654
                                                     P.0   BOX 949
                                                     ALLEN, TX     75002                                                                           YES      NO
        Unless a title or appraisal service provider is identified above, Lender will require a particular provider from a lender-controlled
        list and the range of costs for the required provider(s) are shown above.
        Any relationship which exists between lender and provider of service is based solely on the repeated use of that provider
        during the last twelve months, except in the case of Chesapeake Appraisal and Settlement Services who is an associate of
        Lender. Chesapeake's service may not be available in all states. You may inquire of Lender regarding its services in your
        state.

           The undersigned acknowledges receipt of this Good Faith Estimate of Charges, that there may be other lenders and affiliates offering services similar to Lender's,
           and that Lender has encouraged Applicant to compare Lender's loan services and pricing with others.




  This is an estimate of settlement costs and lists the charges the borrower is
 likely to pay at settlement. Normally it is given to the borrower at the time
they apply for the loan. However, you may fine this in the final loan package.
              These numbers do not reflect the final closing costs.
    Page 69         1003 * UNIFORM RESIDENTIAL LOAN APPLICATION




              UNIFORM RESIDENTIAL LOAN APPLICATION 1003
 There will be four or more pages to the loan application. This is a standard
form used by most lenders. They require a clean, signed, typewritten version
 of the original application. Borrower must sign/initial all pages, even if the
                               pages are blank.
               GRANT DEED * INTERSPOUSAL DEED, ETC.                                                                                                    Page 70
RECORDING REQUESTED BY:



When Recorded Mail Document to:




APN: 941-0103-058                                                    SPACE ABOVE THE LINE FOR RECORDER’S USE


                                        INTERSPOUSAL TRANSFER DEED
                       (Excluded from reappraisal under California Constitution Article 13A Section 1 et seq.)
                                               RECORDING pursuant to Revenue
Is exempt from imposition of the Documentary Transfer Tax REQUESTED BY and Taxation Code
11927(a) on transferring community, quasi-community, or quasi-marital property, assets between spouses,
                                               AND WHEN RECORDED MAIL TO
pursuant to a judgment, an order, or a written agreement between spouses in contemplation of any such
judgment or order.

This is an Interspousal Transfer and not a change in ownership under Section 63 of the Revenue and Taxa-
                                                 ______________________________________________SPACE ABOVE THIS LINE FOR REORDER’S USE___________
tion Code and Grantor(s) has (have) checked the applicable exclusion from reappraisal XXXXXXXXXx A
creation , transfer, or termination, solely between spouses, of any co– XXXXXXXXXXXXXXXXXd
                                                                                                                   GRANT DEED
                                            THE hereby acknowledge XXXXXXXXXX
FOR A VALUABLE CONSIDERATION, receipt of which isUNDERSIGNED GRANTOR(S) DECLARE(S)
hereby GRANT(S) to an unmarried couple.     DOCUMENTARY TRANSFER TAX IS:
                                                                       unincorporated area           City of
                                                                       computed on the full value of the interest or property convenyed, or is
The real property in the City of Dublin                                computed on the full value less the value or liens or encumberances remaining at time of sale, and
County of Alameda, State of California:                                FOR A VALUE CONSIDERATION, receipt of which is hereby acknowledged,

SEE EXHIBIT “ONE” ATTACHED HERETO AND MADE A PART HEROF
DATED FEBRUARY 2, 1999                                                 hereby GRANT(S) to

                                                                       following described real property in the City of
STATE OF CALIFORNIA
                                                                       County of                                      , State of California
COUNTY OF __________________________________
                                                                       See Attached Exhibit
ON _____________________________________before me,
                                                                       STATE OF CALIFORNIA
_________________________________personally appeared
                                                                       COUNTY OF __________________________________
_________________________________________________
                                                                       ON _____________________________________before me,
_________________________________________________
                                                                       _________________________________personally appeared
   Personally known to me or proved to me on the basis of
                                                                       _________________________________________________
   satisfactory evidence to be the person(s) whose name(s)
                                                                       _________________________________________________
   is/are subscribed to the within instrument and Acknowl-
   edged to me that he/she/they executed the same in his/              Personally known to me or proved to me on the basis of
   her/their authorized capacity(ies), and that by his/her/            satisfactory evidence to be the person(s) whose name(s)
   their signature(s) on the instrument the person(s), or the          is/are subscribed to the within instrument and Acknowl-
   entity upon behalf of which the person(s) acted, exe-               edged to me that he/she/they executed the same in his/
   cuted the instrument.                                               her/their authorized capacity(ies), and that by his/her/
                                                                       their signature(s) on the instrument the person(s), or the
                                                                       entity upon behalf of which the person(s) acted, exe-
   Witness my hand and official seal.                                  cuted the instrument.

   Signature___________________________________                        Witness my hand and official seal.

                              MAIL TAX STAMAIL TAX STATEMENT AS DIRECTED
                                                    Signature___________________________________

                                                          MAIL TAX STATEMENT TO PARTY SHOWN ON FOLLOING LINE IF NO PARTY SO SHOWN, MAIL AS DIRECTED ABOVE
       VO-13C(Rev 12/95)         Interpersonal Transfer                  INTERSPOUSAL TRANS-

                                                                       Name                          Street Address                               City, State, Zip
NOTARIZE


          GRANT DEED * INTERSPOUSAL TRANSFER DEED * QUITCLAIM DEED
  These types of Deeds are used when property is being transferred between
                              different parties.
   Page 71                            SUBORDINATION AGREEMENT




                Borrower does not sign unless directed to do so.
                    Do not notarize unless directed to do so.




A document provided by a lender who holds the first or second position on a
   property. The agreement relinquishes that position to another lender.
       Generally the borrower does not sign and you do not notarize.
       USA PATRIOT ACT                                                                Page 72



                                                NOTICE!

                  A SEPARATE AFFIDAVIT MUST BE COMPLETED FOR EACH SIGNER

   TO: Fidelity National Title

                                   NOTARY’S AFFIDAVIT
                                  (For Out of Office Notary Acknowledgment)

   STATE OF ___________________________
   COUNTY OF _______________________

   I hereby certify, under penalty of perjury, that I am authorized to act as a Notary Public, in and for
   the above County and State, and that in performing my duties as a Notary Public I have complied
   with all applicable State and Local Laws. I have been presented with an original government
   issued identification which has not expired and which bears a photo or physical description and
   has a signature which matches the signature on the documents being executed herein.


   A copy of the identification is attached:      Yes___________                   No____________

   I notarized the signature of: ________________________________________________
                                                       (enter ONE name only)

   Date of Notary Acknowledgment: ___________________________________________
   Capacity of signer: ___Individual ___Corporate Officer ___Attorney in Fact
                       ___Trustee ___Guardian/Conservator ___Other
   Identification used: ____________________________________________________
                                                                 DO NOT USE
                                                                  YOUR SEAL
   Title and Date of Document(s):___________________________________________
                                                                    ON THIS
                                                                  DOCUMENT
   _____________________________________
   Notary Public Signature
   ____________________________________________________________________
   Print Name                              Print Address                       Phone Number




        Due to The Patriot Act lenders are now requiring copies of the
borrower’s identification cards. The lenders are also asking for the above
                 document to be filled out by the notary.
 Page 73         ADDITIONAL DOCUMENTS YOU MIGHT ENCOUNTER


GRANT DEED * INTERSPOUSAL TRANSFER DEED ** QUITCLAIM DEED:
WHEN PROPERTY IS BEING TRANSFERRED BETWEEN DIFFERENT PARTIES YOU MAY
ENCOUNTER ONE OF THE ABOVE DEEDS. A GRANT DEED IS SOMETIMES USED FOR A
NAME CHANGE OR TO CHANGE VESTING.

SUBORDINATION AGREEMENT:
A DOCUMENT PROVIDED BY A LENDER WHO HOLDS THE FIRST OR SECOND POSITION
ON A PROPERTY. THE AGREEMENT RELINQUISHES THAT POSITION TO ANOTHER
LENDER. GENERALLY THE BORROWER DOES NOT SIGN AND YOU DO NOT NOTARIZE.

HARDSHIP LETTER:
OCCASIONALLY YOU WILL FIND A HARDSHIP LETTER THAT STATES THE BORROWER
WILL NOT EXPERIENCE A HARDSHIP WHEN MAKING FIRST PAYMENT. USED IN “SHORT
FUNDING” SITUATIONS.

PRIVATE MORTGAGE INSURANCE DISCLOSURE
ONLY USED IF THERE IS PRIVATE MORTGAGE INSURANCE (PMI) ON THE LOAN.

 PMI IS GENERALLY REQUIRED ON HIGHER LOAN-TO-VALUE LOANS AND IS
INSURANCE, PAID FOR BY THE BORROWER, THAT REIMBURSES THE LENDER FOR ALL
OR A PORTION OF ANY LOSS SUSTAINED IN THE EVENT OF FORECLOSURE.

 STATEMENT OF IDENTITY (COMPLETED BY THE BORROWER AT THE TIME OF
SIGNING) THIS IS SOMETIMES REQUIRED BY THE TITLE COMPANY. THE INFORMATION
IS USED TO SEARCH FOR JUDGMENTS AGAINST THE BORROWER WHEN THERE IS
CONFUSION AS TO THE BORROWERS IDENTITY OR THE BORROWER HAS A COMMON
NAME. (SMITH OR JONES)

ADDITIONAL DOCUMENTS
IF THE BORROWER FAILS TO RETURN SIGNED FORMS THAT WERE PROVIDED EARLY IN
THE APPLICATION PROCESS THESE FORMS MAY BE ENCLOSED IN THE FINAL CLOSING
PACKAGE THAT YOU WILL RECEIVE. THE BORROWER WILL SIGN AS INDICATED ON
THE FORMS AND YOU WILL RETURN THEM WITH THE PACKAGE.

				
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