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					       CALCULATIONS WILL BE CORRECT ONLY IF INPUT IS CORRECT...check all of your
                                      fees




CALCULATION OF FEES                                     CALCULATION OF RATE
Loan amount of Note [a]                                 Value of Treasury Rate for comparison
                                                        Add 8% for 1st or 10% for 2nd lien
Fees(1)                                                 Maximum rate before a HOEPA Loan           0.000%
   Finance Charges(2)                                   APR of loan
   Fees Pd to Affilliates                                                   Difference            #VALUE!
   Credit Insurance (3)                                 Compare: Positive number = OK
   Broker Fees (not ysp) (4)                                      Negative number =HOEPA
Total fees [b]                                     0


Total of (a) minus (b) is [c]                   0.00

                  [b]                           0.00
                  [c]                           0.00
[b] divided by [c] ***                        #DIV/0!



Instructions:
Input required: Loan Amount          & Fees          Input required: Treasury Rate
                                                                    Input 8 or 10%
                                                                    APR of Loan
*** If this amount is over 8.0% on a 1st lien or 10.0% on a second lien - you have a HOEPA Loan

(1) Fees include all finance
charges, compensation to
brokers other than YSP, $paid
to lender or affilliates of lender
even if not finance charge,
credit insurance paid before, at
or after closing even if state
law does not consider it
insurance.

(2) include upcharges of fees
paid to 3rd parties
(3) Includes: credit life, health,
debt cancellation, etc.
Excludes: collateral damage,
flood,
(4) All fees to Broker even if
poc except ysp




    c9f15cb1-dfbb-4d23-a4cb-f750e0442424.xls                                                      4/12/2011

				
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