#### Appendix A: Listing of VA Offices

+------------+---------------------------------------------------------+
| ##### How  | > This appendix provides mail and telephone contact     |
| to Use thi | > points at VA.                                         |
| s Appendix | >                                                       |
|            | > If the contact involves a particular loan, begin by   |
|            | > finding the location of the property securing the     |
|            | > loan in the "State" column. If the contact instead    |
|            | > involves the lender's status, find the location of    |
|            | > the lender's home office in the "State" column.       |
|            | >                                                       |
|            | > The appropriate contact point will be in the          |
|            | > "Construction and Valuation" column if the contact    |
|            | > involves:                                             |
|            |                                                         |
|            | -   Appraisal or LAPP issues                            |
|            |                                                         |
|            | -   Builders                                            |
|            |                                                         |
|            | -   Compliance inspections                              |
|            |                                                         |
|            | -   Construction complaints                             |
|            |                                                         |
|            | -   PUD or condominium approvals                        |
|            |                                                         |
|            | -   Assignment of loan identification numbers           |
|            |                                                         |
|            | > The appropriate contact point will be in the "Loan    |
|            | > Processing" column if the contact involves:           |
|            |                                                         |
|            | -   Underwriting                                        |
|            |                                                         |
|            | -   Loan submissions for prior approval or guaranty     |
|            |                                                         |
|            | -   Lender status (first time lender, automatic         |
|            |     authority, agents, training, etc.)                  |
|            |                                                         |
|            | ```{=html}                                              |
|            | <!-- -->                                                |
|            | ```                                                     |
|            | -   (***Exception***: use "Construction and Valuation"  |
|            |     contact for LAPP status)                            |
|            |                                                         |
|            | ```{=html}                                              |
|            | <!-- -->                                                |
|            | ```                                                     |
|            | -   Lender ID Codes                                     |
|            |                                                         |
|            | -   Any other matters which do not fall under           |
|            |     "Construction and Valuation"                        |
|            |                                                         |
|            | > If the Loan Processing office is marked "***RLC**,*"  |
|            | > it is one of VA's Regional Loan Centers which         |
|            | > performs or will perform all loan processing and      |
|            | > servicing functions for the region on a consolidated  |
|            | > basis.                                                |
|            | >                                                       |
|            | > The "OJ" column provides the office of jurisdiction   |
|            | > codes of the VA offices listed in the "Construction   |
|            | > and Valuation" column. OJ codes are part of the loan  |
|            | > identification numbers assigned by those offices.     |
+------------+---------------------------------------------------------+

Continued on next page

Appendix A: Listing of VA Offices, Continued

+-----------------+---------------------+------------------------+---+----+
| State           | Loan Processing     | Construction and       | O |    |
| (alphabetical   |                     | Valuation              | J |    |
| order)          |                     |                        |   |    |
+-----------------+---------------------+------------------------+---+----+
| **Alabama**     | See: **Florida**    | VA Regional Office     |   | 22 |
|                 |                     |                        |   |    |
|                 |                     | 345 Perry Hill Road    |   |    |
|                 |                     |                        |   |    |
|                 |                     | Montgomery, AL         |   |    |
|                 |                     | 36109-3798             |   |    |
|                 |                     |                        |   |    |
|                 |                     | \(334\) 213-3394       |   |    |
+-----------------+---------------------+------------------------+---+----+
| **Alaska**      | See: **Colorado**   | VA Medical and         |   | 63 |
|                 |                     | Regional Office Center |   |    |
|                 |                     |                        |   |    |
|                 |                     | 2925 Debarr Road       |   |    |
|                 |                     |                        |   |    |
|                 |                     | Anchorage, AK 99508    |   |    |
|                 |                     |                        |   |    |
|                 |                     | \(907\) 257-4745       |   |    |
+-----------------+---------------------+------------------------+---+----+
| **Arizona**     | VA Regional Office  | VA Regional Office     |   | 45 |
|                 |                     |                        |   |    |
|                 | 3225 North Central  | 3225 North Central     |   |    |
|                 | Avenue              | Avenue                 |   |    |
|                 |                     |                        |   |    |
|                 | Phoenix, AZ 85012   | Phoenix, AZ 85012      |   |    |
|                 |                     |                        |   |    |
|                 | \(888\) 869-0194    | \(602\) 640-4749       |   |    |
|                 | ***RLC***           |                        |   |    |
+-----------------+---------------------+------------------------+---+----+
| **Arkansas**    | See: **Texas;       | VA Regional Office     |   | 50 |
|                 | Houston**           |                        |   |    |
|                 |                     | P.O. Box 1280          |   |    |
|                 |                     |                        |   |    |
|                 |                     | Building 65, Fort      |   |    |
|                 |                     | Roots                  |   |    |
|                 |                     |                        |   |    |
|                 |                     | North Little Rock, AR  |   |    |
|                 |                     | 72115                  |   |    |
|                 |                     |                        |   |    |
|                 |                     | \(501\) 370-3768       |   |    |
+-----------------+---------------------+------------------------+---+----+
| **California**: | See: **Arizona**    | For Imperial,          |   | 77 |
|                 |                     | Riverside, and San     |   |    |
|                 |                     | Diego Counties:        |   |    |
|                 |                     |                        |   |    |
|                 |                     | VA Regional Office     |   |    |
|                 |                     |                        |   |    |
|                 |                     | 2022 Camino Del Rio    |   |    |
|                 |                     | North                  |   |    |
|                 |                     |                        |   |    |
|                 |                     | San Diego, CA 92108    |   |    |
|                 |                     |                        |   |    |
|                 |                     | \(619\) 680-4884       |   |    |
+-----------------+---------------------+------------------------+---+----+
|                 |                     | For Inyo, Kern, Los    |   | 44 |
|                 |                     | Angeles, Orange, San   |   |    |
|                 |                     | Bernadino, San Luis    |   |    |
|                 |                     | Obispo, Santa Barbara, |   |    |
|                 |                     | and Ventura Counties:  |   |    |
|                 |                     |                        |   |    |
|                 |                     | VA Regional Office     |   |    |
|                 |                     |                        |   |    |
|                 |                     | Federal Building11000  |   |    |
|                 |                     | Wilshire Blvd.         |   |    |
|                 |                     |                        |   |    |
|                 |                     | Los Angeles, CA 90024  |   |    |
|                 |                     |                        |   |    |
|                 |                     | \(310\) 235-6462       |   |    |
+-----------------+---------------------+------------------------+---+----+

Continued on next page

Appendix A: Listing of VA Offices, Continued

+-----------------+---+---------------------+---+------------------------+---+----+
| State           |   | Loan Processing     |   | Construction and       |   | OJ |
| (alphabetical   |   |                     |   | Valuation              |   |    |
| order)          |   |                     |   |                        |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| California,     |   | See: Arizona        |   | For all other          |   | 43 |
| (continued)     |   |                     |   | counties:              |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     |   | VA Regional Office     |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     |   | Oakland Federal        |   |    |
|                 |   |                     |   | Building               |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     |   | 1301 Clay Street, 1300 |   |    |
|                 |   |                     |   | North                  |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     |   | Oakland, CA 94612-5209 |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     |   | \(510\) 637-1070       |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| **Colorado**    | V |                     | V |                        | 3 |    |
|                 | A |                     | A |                        | 9 |    |
|                 | R |                     | R |                        |   |    |
|                 | e |                     | e |                        |   |    |
|                 | g |                     | g |                        |   |    |
|                 | i |                     | i |                        |   |    |
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|                 | a |                     | a |                        |   |    |
|                 | l |                     | l |                        |   |    |
|                 | O |                     | O |                        |   |    |
|                 | f |                     | f |                        |   |    |
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|                 | c |                     | c |                        |   |    |
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|                 |   |                     |   |                        |   |    |
|                 | B |                     | B |                        |   |    |
|                 | o |                     | o |                        |   |    |
|                 | x |                     | x |                        |   |    |
|                 | 2 |                     | 2 |                        |   |    |
|                 | 5 |                     | 5 |                        |   |    |
|                 | 1 |                     | 1 |                        |   |    |
|                 | 2 |                     | 2 |                        |   |    |
|                 | 6 |                     | 6 |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 | 1 |                     | 1 |                        |   |    |
|                 | 5 |                     | 5 |                        |   |    |
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|                 | V |                     | V |                        |   |    |
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|                 | 8 |                     | 8 |                        |   |    |
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|                 | 3 |                     | 9 |                        |   |    |
|                 | 4 |                     | 1 |                        |   |    |
|                 | 9 |                     | 4 |                        |   |    |
|                 | - |                     | - |                        |   |    |
|                 | 7 |                     | 5 |                        |   |    |
|                 | 5 |                     | 6 |                        |   |    |
|                 | 4 |                     | 3 |                        |   |    |
|                 | 1 |                     | 5 |                        |   |    |
|                 | * |                     |   |                        |   |    |
|                 | * |                     |   |                        |   |    |
|                 | R |                     |   |                        |   |    |
|                 | L |                     |   |                        |   |    |
|                 | C |                     |   |                        |   |    |
|                 | * |                     |   |                        |   |    |
|                 | * |                     |   |                        |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| **Connecticut** |   | See: **New          |   | See: **New Hampshire** |   | 73 |
|                 |   | Hampshire**         |   |                        |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| **Delaware**    |   | See: **Ohio**       |   | VA Regional Office and |   | 10 |
|                 |   |                     |   | Insurance Center       |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     |   | P.O. Box 8079          |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     |   | 5000 Wissahickon       |   |    |
|                 |   |                     |   | Avenue                 |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     |   | Philadelphia, PA 19101 |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     |   | \(215\) 842-2000 ext.  |   |    |
|                 |   |                     |   | 1-4597                 |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| **District of   |   | See: **Virginia**   |   | VA Regional Office     |   | 72 |
| Columbia**      |   |                     |   |                        |   |    |
|                 |   |                     |   | 1120 Vermont Avenue,   |   |    |
|                 |   |                     |   | NW                     |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     |   | Washington, DC 20421   |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     |   | \(202\) 418-4270 x3315 |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| **Florida**     |   | VA Regional Office  |   | VA Regional Office     |   | 17 |
|                 |   |                     |   |                        |   |    |
|                 |   | P.O. Box 1437       |   | P.O. Box 1437          |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   | St. Petersburg, FL  |   | St. Petersburg, FL     |   |    |
|                 |   | 33731 *or*          |   | 33731 *or*             |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   | 9500 Bay Pines      |   | 9500 Bay Pines         |   |    |
|                 |   | Boulevard           |   | Boulevard              |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   | St. Petersburg, FL  |   | St. Petersburg, FL     |   |    |
|                 |   | 33708               |   | 33708                  |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   | \(888\) 611-5916    |   | \(727\) 319-7520       |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| **Georgia**     |   | VA Regional Office  |   | VA Regional Office     |   | 16 |
|                 |   |                     |   |                        |   |    |
|                 |   | 1700 Clairmont Road |   | 1700 Clairmont Road    |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   | Atlanta, GA         |   | Atlanta, GA 30033-4032 |   |    |
|                 |   | 30033-4032          |   |                        |   |    |
|                 |   |                     |   | (Mail: P.O. Box        |   |    |
|                 |   | (Mail: P.O. Box     |   | 100023, Decatur, GA    |   |    |
|                 |   | 100023, Decatur, GA |   | 30031-7023)            |   |    |
|                 |   | 30031-7023)         |   |                        |   |    |
|                 |   |                     |   | \(404\) 929-5387       |   |    |
|                 |   | \(888\) 768-2132    |   |                        |   |    |
|                 |   | ***RLC***           |   |                        |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+

Continued on next page

Appendix A: Listing of VA Offices, Continued

+-----------------+---+---------------------+---+------------------------+---+----+
| State           | L |                     | C |                        | O |    |
| (alphabetical   | o |                     | o |                        | J |    |
| order)          | a |                     | n |                        |   |    |
|                 | n |                     | s |                        |   |    |
|                 | P |                     | t |                        |   |    |
|                 | r |                     | r |                        |   |    |
|                 | o |                     | u |                        |   |    |
|                 | c |                     | c |                        |   |    |
|                 | e |                     | t |                        |   |    |
|                 | s |                     | i |                        |   |    |
|                 | s |                     | o |                        |   |    |
|                 | i |                     | n |                        |   |    |
|                 | n |                     | a |                        |   |    |
|                 | g |                     | n |                        |   |    |
|                 |   |                     | d |                        |   |    |
|                 |   |                     | V |                        |   |    |
|                 |   |                     | a |                        |   |    |
|                 |   |                     | l |                        |   |    |
|                 |   |                     | u |                        |   |    |
|                 |   |                     | a |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     | i |                        |   |    |
|                 |   |                     | o |                        |   |    |
|                 |   |                     | n |                        |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| **Hawaii**      | S |                     | S |                        | 8 |    |
|                 | p |                     | p |                        | 0 |    |
| (and the        | a |                     | a |                        |   |    |
| Pacific Islands | r |                     | r |                        |   |    |
| of American     | k |                     | k |                        |   |    |
| Samoa, Guam,    | M |                     | M |                        |   |    |
| Wake, and       | . |                     | . |                        |   |    |
| Mid-way, and    | M |                     | M |                        |   |    |
| the             | a |                     | a |                        |   |    |
| Common-wealth   | t |                     | t |                        |   |    |
| of the Northern | s |                     | s |                        |   |    |
| Mariana         | u |                     | u |                        |   |    |
| Islands)        | n |                     | n |                        |   |    |
|                 | a |                     | a |                        |   |    |
|                 | g |                     | g |                        |   |    |
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|                 | 4 |                     | 4 |                        |   |    |
|                 | 3 |                     | 3 |                        |   |    |
|                 | 3 |                     | 3 |                        |   |    |
|                 | - |                     | - |                        |   |    |
|                 | 0 |                     | 0 |                        |   |    |
|                 | 4 |                     | 4 |                        |   |    |
|                 | 8 |                     | 8 |                        |   |    |
|                 | 0 |                     | 5 |                        |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| **Idaho**       |   | See: **Colorado**   |   | VA Regional Office     |   | 47 |
|                 |   |                     |   |                        |   |    |
|                 |   |                     |   | 805 West Franklin      |   |    |
|                 |   |                     |   | Street                 |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     |   | Boise, ID 83702-5560   |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     |   | \(208\) 334-1367       |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| **Illinois**    | S |                     | V |                        | 2 |    |
|                 | e |                     | A |                        | 8 |    |
|                 | e |                     | R |                        |   |    |
|                 | : |                     | e |                        |   |    |
|                 | * |                     | g |                        |   |    |
|                 | * |                     | i |                        |   |    |
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|                 | i |                     | n |                        |   |    |
|                 | n |                     | a |                        |   |    |
|                 | n |                     | l |                        |   |    |
|                 | e |                     | O |                        |   |    |
|                 | s |                     | f |                        |   |    |
|                 | o |                     | f |                        |   |    |
|                 | t |                     | i |                        |   |    |
|                 | a |                     | c |                        |   |    |
|                 | * |                     | e |                        |   |    |
|                 | * |                     |   |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | 3 |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     | S |                        |   |    |
|                 |   |                     | o |                        |   |    |
|                 |   |                     | u |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     | h |                        |   |    |
|                 |   |                     | C |                        |   |    |
|                 |   |                     | l |                        |   |    |
|                 |   |                     | a |                        |   |    |
|                 |   |                     | r |                        |   |    |
|                 |   |                     | k |                        |   |    |
|                 |   |                     | S |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     | r |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | P |                        |   |    |
|                 |   |                     | . |                        |   |    |
|                 |   |                     | O |                        |   |    |
|                 |   |                     | . |                        |   |    |
|                 |   |                     | B |                        |   |    |
|                 |   |                     | o |                        |   |    |
|                 |   |                     | x |                        |   |    |
|                 |   |                     | 8 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
|                 |   |                     | 3 |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | C |                        |   |    |
|                 |   |                     | h |                        |   |    |
|                 |   |                     | i |                        |   |    |
|                 |   |                     | c |                        |   |    |
|                 |   |                     | a |                        |   |    |
|                 |   |                     | g |                        |   |    |
|                 |   |                     | o |                        |   |    |
|                 |   |                     | , |                        |   |    |
|                 |   |                     | I |                        |   |    |
|                 |   |                     | L |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     | 8 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | \ |                        |   |    |
|                 |   |                     | ( |                        |   |    |
|                 |   |                     | 3 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
|                 |   |                     | 2 |                        |   |    |
|                 |   |                     | \ |                        |   |    |
|                 |   |                     | ) |                        |   |    |
|                 |   |                     | 3 |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | 3 |                        |   |    |
|                 |   |                     | - |                        |   |    |
|                 |   |                     | 9 |                        |   |    |
|                 |   |                     | 4 |                        |   |    |
|                 |   |                     | 3 |                        |   |    |
|                 |   |                     | 8 |                        |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| **Indiana**     | S |                     | V |                        | 2 |    |
|                 | e |                     | A |                        | 6 |    |
|                 | e |                     | R |                        |   |    |
|                 | : |                     | e |                        |   |    |
|                 | * |                     | g |                        |   |    |
|                 | * |                     | i |                        |   |    |
|                 | O |                     | o |                        |   |    |
|                 | h |                     | n |                        |   |    |
|                 | i |                     | a |                        |   |    |
|                 | o |                     | l |                        |   |    |
|                 | * |                     | O |                        |   |    |
|                 | * |                     | f |                        |   |    |
|                 |   |                     | f |                        |   |    |
|                 |   |                     | i |                        |   |    |
|                 |   |                     | c |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | 7 |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | N |                        |   |    |
|                 |   |                     | o |                        |   |    |
|                 |   |                     | r |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     | h |                        |   |    |
|                 |   |                     | P |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | n |                        |   |    |
|                 |   |                     | n |                        |   |    |
|                 |   |                     | s |                        |   |    |
|                 |   |                     | y |                        |   |    |
|                 |   |                     | l |                        |   |    |
|                 |   |                     | v |                        |   |    |
|                 |   |                     | a |                        |   |    |
|                 |   |                     | n |                        |   |    |
|                 |   |                     | i |                        |   |    |
|                 |   |                     | a |                        |   |    |
|                 |   |                     | S |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     | r |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | I |                        |   |    |
|                 |   |                     | n |                        |   |    |
|                 |   |                     | d |                        |   |    |
|                 |   |                     | i |                        |   |    |
|                 |   |                     | a |                        |   |    |
|                 |   |                     | n |                        |   |    |
|                 |   |                     | a |                        |   |    |
|                 |   |                     | p |                        |   |    |
|                 |   |                     | o |                        |   |    |
|                 |   |                     | l |                        |   |    |
|                 |   |                     | i |                        |   |    |
|                 |   |                     | s |                        |   |    |
|                 |   |                     | , |                        |   |    |
|                 |   |                     | I |                        |   |    |
|                 |   |                     | N |                        |   |    |
|                 |   |                     | 4 |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     | 2 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
|                 |   |                     | 4 |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | \ |                        |   |    |
|                 |   |                     | ( |                        |   |    |
|                 |   |                     | 3 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
|                 |   |                     | 7 |                        |   |    |
|                 |   |                     | \ |                        |   |    |
|                 |   |                     | ) |                        |   |    |
|                 |   |                     | 2 |                        |   |    |
|                 |   |                     | 2 |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     | - |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | 2 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
|                 |   |                     | 9 |                        |   |    |
|                 |   |                     | x |                        |   |    |
|                 |   |                     | 3 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| **Iowa**        | S |                     | V |                        | 3 |    |
|                 | e |                     | A |                        | 3 |    |
|                 | e |                     | R |                        |   |    |
|                 | : |                     | e |                        |   |    |
|                 | * |                     | g |                        |   |    |
|                 | * |                     | i |                        |   |    |
|                 | M |                     | o |                        |   |    |
|                 | i |                     | n |                        |   |    |
|                 | n |                     | a |                        |   |    |
|                 | n |                     | l |                        |   |    |
|                 | e |                     | O |                        |   |    |
|                 | s |                     | f |                        |   |    |
|                 | o |                     | f |                        |   |    |
|                 | t |                     | i |                        |   |    |
|                 | a |                     | c |                        |   |    |
|                 | * |                     | e |                        |   |    |
|                 | * |                     |   |                        |   |    |
|                 |   |                     | 2 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
|                 |   |                     | W |                        |   |    |
|                 |   |                     | a |                        |   |    |
|                 |   |                     | l |                        |   |    |
|                 |   |                     | n |                        |   |    |
|                 |   |                     | u |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     | S |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     | r |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | D |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | s |                        |   |    |
|                 |   |                     | M |                        |   |    |
|                 |   |                     | o |                        |   |    |
|                 |   |                     | i |                        |   |    |
|                 |   |                     | n |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | s |                        |   |    |
|                 |   |                     | , |                        |   |    |
|                 |   |                     | I |                        |   |    |
|                 |   |                     | A |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
|                 |   |                     | 3 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
|                 |   |                     | 9 |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | \ |                        |   |    |
|                 |   |                     | ( |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | \ |                        |   |    |
|                 |   |                     | ) |                        |   |    |
|                 |   |                     | 2 |                        |   |    |
|                 |   |                     | 8 |                        |   |    |
|                 |   |                     | 4 |                        |   |    |
|                 |   |                     | - |                        |   |    |
|                 |   |                     | 4 |                        |   |    |
|                 |   |                     | 7 |                        |   |    |
|                 |   |                     | 7 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| **Kansas**      | S |                     | V |                        | 5 |    |
|                 | e |                     | A |                        | 2 |    |
|                 | e |                     | M |                        |   |    |
|                 | : |                     | e |                        |   |    |
|                 | * |                     | d |                        |   |    |
|                 | * |                     | i |                        |   |    |
|                 | M |                     | c |                        |   |    |
|                 | i |                     | a |                        |   |    |
|                 | n |                     | l |                        |   |    |
|                 | n |                     | a |                        |   |    |
|                 | e |                     | n |                        |   |    |
|                 | s |                     | d |                        |   |    |
|                 | o |                     | R |                        |   |    |
|                 | t |                     | e |                        |   |    |
|                 | a |                     | g |                        |   |    |
|                 | * |                     | i |                        |   |    |
|                 | * |                     | o |                        |   |    |
|                 |   |                     | n |                        |   |    |
|                 |   |                     | a |                        |   |    |
|                 |   |                     | l |                        |   |    |
|                 |   |                     | O |                        |   |    |
|                 |   |                     | f |                        |   |    |
|                 |   |                     | f |                        |   |    |
|                 |   |                     | i |                        |   |    |
|                 |   |                     | c |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | C |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | n |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | r |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
|                 |   |                     | E |                        |   |    |
|                 |   |                     | . |                        |   |    |
|                 |   |                     | K |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | l |                        |   |    |
|                 |   |                     | l |                        |   |    |
|                 |   |                     | o |                        |   |    |
|                 |   |                     | g |                        |   |    |
|                 |   |                     | g |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | W |                        |   |    |
|                 |   |                     | i |                        |   |    |
|                 |   |                     | c |                        |   |    |
|                 |   |                     | h |                        |   |    |
|                 |   |                     | i |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     | a |                        |   |    |
|                 |   |                     | , |                        |   |    |
|                 |   |                     | K |                        |   |    |
|                 |   |                     | S |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     | 7 |                        |   |    |
|                 |   |                     | 2 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
|                 |   |                     | 8 |                        |   |    |
|                 |   |                     | - |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     | 9 |                        |   |    |
|                 |   |                     | 8 |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | \ |                        |   |    |
|                 |   |                     | ( |                        |   |    |
|                 |   |                     | 3 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     | \ |                        |   |    |
|                 |   |                     | ) |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     | 8 |                        |   |    |
|                 |   |                     | 8 |                        |   |    |
|                 |   |                     | - |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     | 7 |                        |   |    |
|                 |   |                     | 2 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| **Kentucky**    | S |                     | V |                        | 2 |    |
|                 | e |                     | A |                        | 7 |    |
|                 | e |                     | R |                        |   |    |
|                 | : |                     | e |                        |   |    |
|                 | * |                     | g |                        |   |    |
|                 | * |                     | i |                        |   |    |
|                 | V |                     | o |                        |   |    |
|                 | i |                     | n |                        |   |    |
|                 | r |                     | a |                        |   |    |
|                 | g |                     | l |                        |   |    |
|                 | i |                     | O |                        |   |    |
|                 | n |                     | f |                        |   |    |
|                 | i |                     | f |                        |   |    |
|                 | a |                     | i |                        |   |    |
|                 | * |                     | c |                        |   |    |
|                 | * |                     | e |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | 4 |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | S |                        |   |    |
|                 |   |                     | o |                        |   |    |
|                 |   |                     | u |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     | h |                        |   |    |
|                 |   |                     | 3 |                        |   |    |
|                 |   |                     | r |                        |   |    |
|                 |   |                     | d |                        |   |    |
|                 |   |                     | S |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     | r |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | t |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | L |                        |   |    |
|                 |   |                     | o |                        |   |    |
|                 |   |                     | u |                        |   |    |
|                 |   |                     | i |                        |   |    |
|                 |   |                     | s |                        |   |    |
|                 |   |                     | v |                        |   |    |
|                 |   |                     | i |                        |   |    |
|                 |   |                     | l |                        |   |    |
|                 |   |                     | l |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | , |                        |   |    |
|                 |   |                     | K |                        |   |    |
|                 |   |                     | Y |                        |   |    |
|                 |   |                     | 4 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
|                 |   |                     | 2 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
|                 |   |                     | 2 |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | \ |                        |   |    |
|                 |   |                     | ( |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
|                 |   |                     | 2 |                        |   |    |
|                 |   |                     | \ |                        |   |    |
|                 |   |                     | ) |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | 8 |                        |   |    |
|                 |   |                     | 2 |                        |   |    |
|                 |   |                     | - |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | 8 |                        |   |    |
|                 |   |                     | 7 |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     | x |                        |   |    |
|                 |   |                     | 2 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+
| **Louisiana**   | S |                     | V |                        | 2 |    |
|                 | e |                     | A |                        | 1 |    |
|                 | e |                     | R |                        |   |    |
|                 | : |                     | e |                        |   |    |
|                 | * |                     | g |                        |   |    |
|                 | * |                     | i |                        |   |    |
|                 | T |                     | o |                        |   |    |
|                 | e |                     | n |                        |   |    |
|                 | x |                     | a |                        |   |    |
|                 | a |                     | l |                        |   |    |
|                 | s |                     | O |                        |   |    |
|                 | ; |                     | f |                        |   |    |
|                 | H |                     | f |                        |   |    |
|                 | o |                     | i |                        |   |    |
|                 | u |                     | c |                        |   |    |
|                 | s |                     | e |                        |   |    |
|                 | t |                     |   |                        |   |    |
|                 | o |                     | 7 |                        |   |    |
|                 | n |                     | 0 |                        |   |    |
|                 | * |                     | 1 |                        |   |    |
|                 | * |                     | L |                        |   |    |
|                 |   |                     | o |                        |   |    |
|                 |   |                     | y |                        |   |    |
|                 |   |                     | o |                        |   |    |
|                 |   |                     | l |                        |   |    |
|                 |   |                     | a |                        |   |    |
|                 |   |                     | A |                        |   |    |
|                 |   |                     | v |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | n |                        |   |    |
|                 |   |                     | u |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | N |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | w |                        |   |    |
|                 |   |                     | O |                        |   |    |
|                 |   |                     | r |                        |   |    |
|                 |   |                     | l |                        |   |    |
|                 |   |                     | e |                        |   |    |
|                 |   |                     | a |                        |   |    |
|                 |   |                     | n |                        |   |    |
|                 |   |                     | s |                        |   |    |
|                 |   |                     | , |                        |   |    |
|                 |   |                     | L |                        |   |    |
|                 |   |                     | A |                        |   |    |
|                 |   |                     | 7 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
|                 |   |                     | 3 |                        |   |    |
|                 |   |                     |   |                        |   |    |
|                 |   |                     | \ |                        |   |    |
|                 |   |                     | ( |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | 0 |                        |   |    |
|                 |   |                     | 4 |                        |   |    |
|                 |   |                     | \ |                        |   |    |
|                 |   |                     | ) |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     | 1 |                        |   |    |
|                 |   |                     | 9 |                        |   |    |
|                 |   |                     | - |                        |   |    |
|                 |   |                     | 4 |                        |   |    |
|                 |   |                     | 5 |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
|                 |   |                     | 6 |                        |   |    |
+-----------------+---+---------------------+---+------------------------+---+----+

Continued on next page

Appendix A: Listing of VA Offices, Continued

+-----------------+---------------------+------------------------+----+
| State           | Loan Processing     | Construction and       | OJ |
| (alphabetical   |                     | Valuation              |    |
| order)          |                     |                        |    |
+-----------------+---------------------+------------------------+----+
| **Maine**       | See: **New          | See: **New Hampshire** | 73 |
|                 | Hampshire**         |                        |    |
+-----------------+---------------------+------------------------+----+
| **Maryland**:   | See: **Virginia**   | For Montgomery and     | 72 |
|                 |                     | Prince George's        |    |
|                 |                     | Counties:              |    |
|                 |                     |                        |    |
|                 |                     | VA Regional Office     |    |
|                 |                     |                        |    |
|                 |                     | 1120 Vermont Avenue,   |    |
|                 |                     | NW                     |    |
|                 |                     |                        |    |
|                 |                     | Washington, DC 20421   |    |
|                 |                     |                        |    |
|                 |                     | \(202\) 691-3345       |    |
+-----------------+---------------------+------------------------+----+
|                 |                     | For all other          | 13 |
|                 |                     | counties:              |    |
|                 |                     |                        |    |
|                 |                     | VA Regional Office     |    |
|                 |                     |                        |    |
|                 |                     | Federal Building       |    |
|                 |                     |                        |    |
|                 |                     | 31 Hopkins Plaza       |    |
|                 |                     |                        |    |
|                 |                     | Baltimore, MD 21201    |    |
|                 |                     |                        |    |
|                 |                     | \(410\) 230-4560 x2023 |    |
+-----------------+---------------------+------------------------+----+
| **              | See: **New          | See: **New Hampshire** | 73 |
| Massachusetts** | Hampshire**         |                        |    |
+-----------------+---------------------+------------------------+----+
| **Michigan**    | See: **Ohio**       | VA Regional Office     | 29 |
|                 |                     |                        |    |
|                 |                     | Federal Building       |    |
|                 |                     |                        |    |
|                 |                     | 477 Michigan Avenue    |    |
|                 |                     |                        |    |
|                 |                     | Detroit, MI 48226      |    |
|                 |                     |                        |    |
|                 |                     | \(313\) 226-4200 x3533 |    |
+-----------------+---------------------+------------------------+----+
| **Minnesota**   | VA Regional Office  | VA Regional Office and | 35 |
|                 |                     | Insurance Center       |    |
|                 | One Federal Drive   |                        |    |
|                 |                     | One Federal Drive      |    |
|                 | Fort Snelling, MN   |                        |    |
|                 | 55111               | Fort Snelling, MN      |    |
|                 |                     | 55111                  |    |
|                 | \(800\) 827-0611    |                        |    |
|                 | ***RLC***           | \(612\) 970-5539       |    |
+-----------------+---------------------+------------------------+----+
| **Mississippi** | See: **Florida**    | VA Regional Office     | 23 |
|                 |                     |                        |    |
|                 |                     | 1600 East Woodrow      |    |
|                 |                     | Wilson Avenue          |    |
|                 |                     |                        |    |
|                 |                     | Jackson, MS 39216      |    |
|                 |                     |                        |    |
|                 |                     | \(601\) 364-7103       |    |
+-----------------+---------------------+------------------------+----+
| **Missouri**    | See: **Minnesota**  | VA Regional Office     | 31 |
|                 |                     |                        |    |
|                 |                     | 400 South 18th Street  |    |
|                 |                     |                        |    |
|                 |                     | St. Louis, MO          |    |
|                 |                     | 63103-2271             |    |
|                 |                     |                        |    |
|                 |                     | \(314\) 589-9864       |    |
+-----------------+---------------------+------------------------+----+

Continued on next page

Appendix A: Listing of VA Offices, Continued

+-----------------+---------------------+------------------------+----+
| State           | Loan Processing     | Construction and       | OJ |
| (alphabetical   |                     | Valuation              |    |
| order)          |                     |                        |    |
+-----------------+---------------------+------------------------+----+
| **Montana**     | See: **Colorado**   | See: **Colorado**      | 36 |
+-----------------+---------------------+------------------------+----+
| **Nebraska**    | See: **Minnesota**  | VA Regional Office     | 34 |
|                 |                     |                        |    |
|                 |                     | 5631 South 48th Street |    |
|                 |                     |                        |    |
|                 |                     | Lincoln, NE 68516      |    |
|                 |                     |                        |    |
|                 |                     | \(402\) 421-7480 x4020 |    |
+-----------------+---------------------+------------------------+----+
| **Nevada**: For | See: **Arizona**    | See: **Arizona**       | 45 |
| Clark and       |                     |                        |    |
| Lincoln         |                     |                        |    |
| Counties:       |                     |                        |    |
+-----------------+---------------------+------------------------+----+
| **Nevada**: For | See: **Arizona**    | VA Regional Office     | 43 |
| all counties    |                     |                        |    |
| except Clark    |                     | Oakland Federal        |    |
| and Lincoln     |                     | Building               |    |
|                 |                     |                        |    |
|                 |                     | 1301 Clay Street, 1300 |    |
|                 |                     | North                  |    |
|                 |                     |                        |    |
|                 |                     | Oakland, CA 94612-5209 |    |
|                 |                     |                        |    |
|                 |                     | \(510\) 637-1070       |    |
+-----------------+---------------------+------------------------+----+
| **New           | VA Regional Office  | VA Regional Office     | 73 |
| Hampshire**     |                     |                        |    |
|                 | 275 Chester Street  | 275 Chester Street     |    |
|                 |                     |                        |    |
|                 | Manchester, NH      | Manchester, NH 03101   |    |
|                 | 03101               |                        |    |
|                 |                     | \(800\) 827-6311 x6    |    |
|                 | \(800\) 827-6311 x7 |                        |    |
|                 | ***RLC***           |                        |    |
+-----------------+---------------------+------------------------+----+
| **New Jersey**  | See: **Ohio**       | VA Regional Office     | 09 |
|                 |                     |                        |    |
|                 |                     | 20 Washington Place    |    |
|                 |                     |                        |    |
|                 |                     | Newark, NJ 07102       |    |
|                 |                     |                        |    |
|                 |                     | \(201\) 645-3578       |    |
+-----------------+---------------------+------------------------+----+
| **New Mexico**  | See: **Colorado**   | VA Regional Office     | 40 |
|                 |                     |                        |    |
|                 |                     | P.O. Box 0968          |    |
|                 |                     |                        |    |
|                 |                     | 500 Gold Avenue, SW    |    |
|                 |                     |                        |    |
|                 |                     | Albuquerque, NM        |    |
|                 |                     | 87102-0968             |    |
|                 |                     |                        |    |
|                 |                     | \(505\) 248-6702       |    |
+-----------------+---------------------+------------------------+----+

Continued on next page

Appendix A: Listing of VA Offices, Continued

+-----------------+-------------------+---+------------------------+---+----+
| State           | Loan Processing   |   | Construction and       |   | OJ |
| (alphabetical   |                   |   | Valuation              |   |    |
| order)          |                   |   |                        |   |    |
+-----------------+-------------------+---+------------------------+---+----+
| **New York**:   | See: **New        |   | For Allegany,          |   | 07 |
|                 | Hampshire**       |   | Cattaraugus,           |   |    |
|                 |                   |   | Chautauqua, Erie,      |   |    |
|                 |                   |   | Gene-see, Livingston,  |   |    |
|                 |                   |   | Monroe, Niagara,       |   |    |
|                 |                   |   | Ontario, Or-leans,     |   |    |
|                 |                   |   | Steuben, Wayne,        |   |    |
|                 |                   |   | Wyoming, and Yates     |   |    |
|                 |                   |   | Counties:              |   |    |
|                 |                   |   |                        |   |    |
|                 |                   |   | VA Regional Office     |   |    |
|                 |                   |   |                        |   |    |
|                 |                   |   | Federal Building       |   |    |
|                 |                   |   |                        |   |    |
|                 |                   |   | 111 West Huron Street  |   |    |
|                 |                   |   |                        |   |    |
|                 |                   |   | Buffalo, NY 14202      |   |    |
|                 |                   |   |                        |   |    |
|                 |                   |   | \(716\) 551-5291       |   |    |
+-----------------+-------------------+---+------------------------+---+----+
|                 |                   |   | For all other          |   | 06 |
|                 |                   |   | counties:              |   |    |
|                 |                   |   |                        |   |    |
|                 |                   |   | VA Regional Office     |   |    |
|                 |                   |   |                        |   |    |
|                 |                   |   | 245 West Houston       |   |    |
|                 |                   |   | Street                 |   |    |
|                 |                   |   |                        |   |    |
|                 |                   |   | New York, NY 10014     |   |    |
|                 |                   |   |                        |   |    |
|                 |                   |   | \(212\) 807-7229 ext.  |   |    |
|                 |                   |   | 3003                   |   |    |
+-----------------+-------------------+---+------------------------+---+----+
| **North         | See: **Georgia**  |   | VA Regional Office     |   | 18 |
| Carolina**      |                   |   |                        |   |    |
|                 |                   |   | Federal Building       |   |    |
|                 |                   |   |                        |   |    |
|                 |                   |   | 251 North Main Street  |   |    |
|                 |                   |   |                        |   |    |
|                 |                   |   | Winston-Salem, NC      |   |    |
|                 |                   |   | 27155                  |   |    |
|                 |                   |   |                        |   |    |
|                 |                   |   | \(336\) 631-5400 x2610 |   |    |
+-----------------+-------------------+---+------------------------+---+----+
| **North         | See:              |   | See: **Minnesota**     |   | 35 |
| Dakota**        | **Minnesota**     |   |                        |   |    |
+-----------------+-------------------+---+------------------------+---+----+
| **Ohio**        | VA Regional       | V |                        | 2 |    |
|                 | Office            | A |                        | 5 |    |
|                 |                   | R |                        |   |    |
|                 | Anthony J.        | e |                        |   |    |
|                 | Celebrezze        | g |                        |   |    |
|                 | Federal Building  | i |                        |   |    |
|                 |                   | o |                        |   |    |
|                 | 1240 East Ninth   | n |                        |   |    |
|                 | Street            | a |                        |   |    |
|                 |                   | l |                        |   |    |
|                 | Cleveland, OH     | O |                        |   |    |
|                 | 44199             | f |                        |   |    |
|                 |                   | f |                        |   |    |
|                 | \(800\) 729-5772  | i |                        |   |    |
|                 | x3960             | c |                        |   |    |
|                 |                   | e |                        |   |    |
|                 | ***RLC***         |   |                        |   |    |
|                 |                   | A |                        |   |    |
|                 |                   | n |                        |   |    |
|                 |                   | t |                        |   |    |
|                 |                   | h |                        |   |    |
|                 |                   | o |                        |   |    |
|                 |                   | n |                        |   |    |
|                 |                   | y |                        |   |    |
|                 |                   | J |                        |   |    |
|                 |                   | . |                        |   |    |
|                 |                   | C |                        |   |    |
|                 |                   | e |                        |   |    |
|                 |                   | l |                        |   |    |
|                 |                   | e |                        |   |    |
|                 |                   | b |                        |   |    |
|                 |                   | r |                        |   |    |
|                 |                   | e |                        |   |    |
|                 |                   | z |                        |   |    |
|                 |                   | z |                        |   |    |
|                 |                   | e |                        |   |    |
|                 |                   | F |                        |   |    |
|                 |                   | e |                        |   |    |
|                 |                   | d |                        |   |    |
|                 |                   | e |                        |   |    |
|                 |                   | r |                        |   |    |
|                 |                   | a |                        |   |    |
|                 |                   | l |                        |   |    |
|                 |                   | B |                        |   |    |
|                 |                   | u |                        |   |    |
|                 |                   | i |                        |   |    |
|                 |                   | l |                        |   |    |
|                 |                   | d |                        |   |    |
|                 |                   | i |                        |   |    |
|                 |                   | n |                        |   |    |
|                 |                   | g |                        |   |    |
|                 |                   |   |                        |   |    |
|                 |                   | 1 |                        |   |    |
|                 |                   | 2 |                        |   |    |
|                 |                   | 4 |                        |   |    |
|                 |                   | 0 |                        |   |    |
|                 |                   | E |                        |   |    |
|                 |                   | a |                        |   |    |
|                 |                   | s |                        |   |    |
|                 |                   | t |                        |   |    |
|                 |                   | N |                        |   |    |
|                 |                   | i |                        |   |    |
|                 |                   | n |                        |   |    |
|                 |                   | t |                        |   |    |
|                 |                   | h |                        |   |    |
|                 |                   | S |                        |   |    |
|                 |                   | t |                        |   |    |
|                 |                   | r |                        |   |    |
|                 |                   | e |                        |   |    |
|                 |                   | e |                        |   |    |
|                 |                   | t |                        |   |    |
|                 |                   |   |                        |   |    |
|                 |                   | C |                        |   |    |
|                 |                   | l |                        |   |    |
|                 |                   | e |                        |   |    |
|                 |                   | v |                        |   |    |
|                 |                   | e |                        |   |    |
|                 |                   | l |                        |   |    |
|                 |                   | a |                        |   |    |
|                 |                   | n |                        |   |    |
|                 |                   | d |                        |   |    |
|                 |                   | , |                        |   |    |
|                 |                   | O |                        |   |    |
|                 |                   | H |                        |   |    |
|                 |                   | 4 |                        |   |    |
|                 |                   | 4 |                        |   |    |
|                 |                   | 1 |                        |   |    |
|                 |                   | 9 |                        |   |    |
|                 |                   | 9 |                        |   |    |
|                 |                   |   |                        |   |    |
|                 |                   | \ |                        |   |    |
|                 |                   | ( |                        |   |    |
|                 |                   | 2 |                        |   |    |
|                 |                   | 1 |                        |   |    |
|                 |                   | 6 |                        |   |    |
|                 |                   | \ |                        |   |    |
|                 |                   | ) |                        |   |    |
|                 |                   | 5 |                        |   |    |
|                 |                   | 2 |                        |   |    |
|                 |                   | 2 |                        |   |    |
|                 |                   | - |                        |   |    |
|                 |                   | 3 |                        |   |    |
|                 |                   | 6 |                        |   |    |
|                 |                   | 1 |                        |   |    |
|                 |                   | 0 |                        |   |    |
+-----------------+-------------------+---+------------------------+---+----+

Continued on next page

Appendix A: Listing of VA Offices, Continued

+-----------------+-------------------+-------------------------+---+----+
| State           | Loan Processing   | Construction and        | O |    |
| (alphabetical   |                   | Valuation               | J |    |
| order)          |                   |                         |   |    |
+-----------------+-------------------+-------------------------+---+----+
| **Oklahoma**    | See: **Texas;     | VA Regional Office      |   | 51 |
|                 | Houston**         |                         |   |    |
|                 |                   | 125 South Main Street   |   |    |
|                 |                   |                         |   |    |
|                 |                   | Muskogee, OK 74401      |   |    |
|                 |                   |                         |   |    |
|                 |                   | \(918\) 687-2208        |   |    |
+-----------------+-------------------+-------------------------+---+----+
| **Oregon**      | See: **Colorado** | VA Regional Office      |   | 48 |
|                 |                   |                         |   |    |
|                 |                   | Federal Building        |   |    |
|                 |                   |                         |   |    |
|                 |                   | 1220 Southwest 3rd      |   |    |
|                 |                   | Avenue                  |   |    |
|                 |                   |                         |   |    |
|                 |                   | Portland, OR 97204      |   |    |
|                 |                   |                         |   |    |
|                 |                   | \(503\) 326-2458        |   |    |
+-----------------+-------------------+-------------------------+---+----+
| *               | See: **Ohio**     | For Alleghany,          |   | 11 |
| *Pennsylvania** |                   | Armstrong, Beaver,      |   |    |
|                 |                   | Bedford, Blair, Butler, |   |    |
|                 |                   | Cambria, Clearfield,    |   |    |
|                 |                   | Clarion, Crawford, Elk, |   |    |
|                 |                   | Erie, Fayette, Forest,  |   |    |
|                 |                   | Fulton, Greene,         |   |    |
|                 |                   | Huntington, Indiana,    |   |    |
|                 |                   | Jefferson, Lawrence,    |   |    |
|                 |                   | McKean, Mercer,         |   |    |
|                 |                   | Somerset, Venango,      |   |    |
|                 |                   | Warren, Washington, and |   |    |
|                 |                   | Westmoreland Counties:  |   |    |
|                 |                   |                         |   |    |
|                 |                   | VA Regional Office      |   |    |
|                 |                   |                         |   |    |
|                 |                   | 1000 Liberty Avenue     |   |    |
|                 |                   |                         |   |    |
|                 |                   | Pittsburgh, PA 15222    |   |    |
|                 |                   |                         |   |    |
|                 |                   | \(412\) 644-4526        |   |    |
+-----------------+-------------------+-------------------------+---+----+
|                 |                   | For all other counties: |   | 10 |
|                 |                   |                         |   |    |
|                 |                   | VA Regional Office and  |   |    |
|                 |                   | Insurance Center        |   |    |
|                 |                   |                         |   |    |
|                 |                   | P.O. Box 8079           |   |    |
|                 |                   |                         |   |    |
|                 |                   | 5000 Wissahickon Avenue |   |    |
|                 |                   |                         |   |    |
|                 |                   | Philadelphia, PA 19101  |   |    |
|                 |                   |                         |   |    |
|                 |                   | \(215\) 842-2000 ext.   |   |    |
|                 |                   | 1-4                     |   |    |
+-----------------+-------------------+-------------------------+---+----+

Continued on next page

Appendix A: Listing of VA Offices, Continued

+-----------------+---------------------+------------------------+----+
| State           | Loan Processing     | Construction and       | OJ |
| (alphabetical   |                     | Valuation              |    |
| order)          |                     |                        |    |
+-----------------+---------------------+------------------------+----+
| **Puerto Rico** | VA Regional Office  | VA Regional Office     | 55 |
|                 |                     |                        |    |
|                 | GPO Box 4867        | GPO Box 4867           |    |
|                 |                     |                        |    |
|                 | San Juan, PR 00936  | San Juan, PR 00936     |    |
|                 |                     |                        |    |
|                 | \(787\) 772-7312    | \(787\) 772-7316       |    |
+-----------------+---------------------+------------------------+----+
| **Rhode         | See: **New          | See: **New Hampshire** | 73 |
| Island**        | Hampshire**         |                        |    |
+-----------------+---------------------+------------------------+----+
| **South         | See: **Georgia**    | VA Regional Office     | 19 |
| Carolina**      |                     |                        |    |
|                 |                     | 1801 Assembly Street   |    |
|                 |                     |                        |    |
|                 |                     | Columbia, SC 29201     |    |
|                 |                     |                        |    |
|                 |                     | \(803\) 255-4273       |    |
+-----------------+---------------------+------------------------+----+
| **South         | See: **Minnesota**  | See: **Minnesota**     | 35 |
| Dakota**        |                     |                        |    |
+-----------------+---------------------+------------------------+----+
| **Tennessee**   | See: **Georgia**    | VA Regional Office     | 20 |
|                 |                     |                        |    |
|                 |                     | 110 Ninth Avenue,      |    |
|                 |                     | South                  |    |
|                 |                     |                        |    |
|                 |                     | Nashville, TN 37203    |    |
|                 |                     |                        |    |
|                 |                     | \(615\) 736-5706       |    |
+-----------------+---------------------+------------------------+----+
| **Texas**:      | VA Regional Office  | For Angelina, Aransas, | 62 |
|                 |                     | Atascosa, Austin,      |    |
|                 | 6900 Almeda Road    | Bandera, Bee, Bexar,   |    |
|                 |                     | Blanco, Brazoria,      |    |
|                 | Houston, TX 77030   | Brewster, Brooks,      |    |
|                 |                     | Caldwell, Calhoune,    |    |
|                 | \(800\) 232-2571    | Cameron, Chambers,     |    |
|                 | **RLC**             | Colorado, Comal,       |    |
|                 |                     | Crockett, De Witt,     |    |
|                 |                     | Dimmit, Duval,         |    |
|                 |                     | Edwards, Fort Bend,    |    |
|                 |                     | Frio, Galveston,       |    |
|                 |                     | Gillespie, Goliad,     |    |
|                 |                     | Gonzales, Grimes,      |    |
|                 |                     | Guadalupe, Hardin,     |    |
|                 |                     | Harris, Hays, Hidalgo, |    |
|                 |                     | Houston, Jackson,      |    |
|                 |                     | Jasper, Jefferson, Jim |    |
|                 |                     | Hogg, Jim Wells,       |    |
|                 |                     | Karnes, Kendall,       |    |
|                 |                     | Kenedy, Kerr, Kimble,  |    |
|                 |                     | Kinney, Kleberg,       |    |
|                 |                     | LaSalle, Lavaca,       |    |
|                 |                     | Liberty, Live Oak,     |    |
|                 |                     | Mason, Matagorda,      |    |
|                 |                     | Maverick, McCulloch,   |    |
|                 |                     | McMullen, Medina,      |    |
|                 |                     | Menard,                |    |
+-----------------+---------------------+------------------------+----+

Continued on next page

Appendix A: Listing of VA Offices, Continued

+-----------------+--------------------+-------------------------+----+
| State           | Loan Processing    | Construction and        | OJ |
| (alphabetical   |                    | Valuation               |    |
| order)          |                    |                         |    |
+-----------------+--------------------+-------------------------+----+
| **Texas**:      |                    | Montgomery,             |    |
| (continued)     |                    | Nacogdoches, Newton,    |    |
|                 |                    | Nueces, Orange, Pecos,  |    |
|                 |                    | Polk, Real, Refugio,    |    |
|                 |                    | Sabine, San Augustine,  |    |
|                 |                    | San Jacinto, San        |    |
|                 |                    | Patricio, Schleicher,   |    |
|                 |                    | Shelby, Starr, Sutton,  |    |
|                 |                    | Terrell, Trinity,       |    |
|                 |                    | Tyler, Uvalde, Val      |    |
|                 |                    | Verde, Victoria,        |    |
|                 |                    | Walker, Waller,         |    |
|                 |                    | Washington, Webb,       |    |
|                 |                    | Wharton, Willacy,       |    |
|                 |                    | Wilson, Zapata, and     |    |
|                 |                    | Zavala Counties:        |    |
|                 |                    |                         |    |
|                 |                    | VA Regional Office      |    |
|                 |                    |                         |    |
|                 |                    | 6900 Almeda Road        |    |
|                 |                    |                         |    |
|                 |                    | Houston, TX 77030       |    |
|                 |                    |                         |    |
|                 |                    | \(713\) 383-3101        |    |
+-----------------+--------------------+-------------------------+----+
| **Texas**: All  | See: **Texas;      | All other counties:     | 49 |
| counties except | Houston**          |                         |    |
| the 90 listed   |                    | VA Regional Office      |    |
| above           |                    |                         |    |
|                 |                    | One Veterans Plaza      |    |
|                 |                    |                         |    |
|                 |                    | 701 Clay Avenue         |    |
|                 |                    |                         |    |
|                 |                    | Waco, TX 76799          |    |
|                 |                    |                         |    |
|                 |                    | \(254\) 299-9603        |    |
+-----------------+--------------------+-------------------------+----+
| **Utah**        | See: **Colorado**  | VA Regional Office      | 41 |
|                 |                    |                         |    |
|                 |                    | P.O. Box 11500          |    |
|                 |                    |                         |    |
|                 |                    | Salt Lake City, UT      |    |
|                 |                    | 84147                   |    |
|                 |                    |                         |    |
|                 |                    | \(801\) 524-4515        |    |
+-----------------+--------------------+-------------------------+----+
| **Vermont**     | See: **New         | See: **New Hampshire**  | 73 |
|                 | Hampshire**        |                         |    |
+-----------------+--------------------+-------------------------+----+

Continued on next page

Appendix A: Listing of VA Offices, Continued

+-----------------+--------------------+-------------------------+----+
| State           | Loan Processing    | Construction and        | OJ |
| (alphabetical   |                    | Valuation               |    |
| order)          |                    |                         |    |
+-----------------+--------------------+-------------------------+----+
| **Virginia**:   | VA Regional Office | For Arlington, Fairfax, | 72 |
|                 |                    | Loudoun, Prince         |    |
|                 | 210 Franklin Road, | William, Spotsylvania,  |    |
|                 | SW                 | and Stafford Counties   |    |
|                 |                    | [plus]{.underline}: the |    |
|                 | Roanoke, VA 24011  | cities of Alexandria,   |    |
|                 |                    | Fairfax, Falls Church,  |    |
|                 | \(540\) 857-2132   | and Fredericksburg:     |    |
|                 | ***RLC***          |                         |    |
|                 |                    | VA Regional Office      |    |
|                 |                    |                         |    |
|                 |                    | 1120 Vermont Avenue, NW |    |
|                 |                    |                         |    |
|                 |                    | Washington, DC 20421    |    |
|                 |                    |                         |    |
|                 |                    | \(202\) 418-4270 ext.   |    |
|                 |                    | 3315                    |    |
+-----------------+--------------------+-------------------------+----+
|                 |                    | For all other           | 14 |
|                 |                    | jurisdictions:          |    |
|                 |                    |                         |    |
|                 |                    | VA Regional Office      |    |
|                 |                    |                         |    |
|                 |                    | 210 Franklin Road, SW   |    |
|                 |                    |                         |    |
|                 |                    | Roanoke, VA 24011       |    |
|                 |                    |                         |    |
|                 |                    | \(800\) 933-5499        |    |
+-----------------+--------------------+-------------------------+----+
| **Virgin        | See: **Puerto      | See: **Puerto Rico**    | 55 |
| Islands         | Rico**             |                         |    |
| (U.S.)**        |                    |                         |    |
+-----------------+--------------------+-------------------------+----+
| **Washington**: | See **Colorado**   | For Clark, Klickitat,   | 48 |
|                 |                    | and Skamania Counties:  |    |
|                 |                    |                         |    |
|                 |                    | VA Regional Office      |    |
|                 |                    |                         |    |
|                 |                    | Federal Building        |    |
|                 |                    |                         |    |
|                 |                    | 1220 Southwest 3rd      |    |
|                 |                    | Avenue                  |    |
|                 |                    |                         |    |
|                 |                    | Portland, OR 97204      |    |
|                 |                    |                         |    |
|                 |                    | \(503\) 326-2457        |    |
+-----------------+--------------------+-------------------------+----+
| **Washington**: | See: **Colorado**  | For all counties except | 46 |
|                 |                    | Clark, Klickitat, and   |    |
|                 |                    | Skamania:               |    |
|                 |                    |                         |    |
|                 |                    | VA Regional Office      |    |
|                 |                    |                         |    |
|                 |                    | Federal Building        |    |
|                 |                    |                         |    |
|                 |                    | 915 Second Avenue       |    |
|                 |                    |                         |    |
|                 |                    | Seattle, WA 98174       |    |
|                 |                    |                         |    |
|                 |                    | \(206\) 220-6163        |    |
+-----------------+--------------------+-------------------------+----+

Continued on next page

Appendix A: Listing of VA Offices, Continued

+-----------------+--------------------+-------------------------+----+
| State           | Loan Processing    | Construction and        | OJ |
| (alphabetical   |                    | Valuation               |    |
| order)          |                    |                         |    |
+-----------------+--------------------+-------------------------+----+
| **West          | See: **Virginia**  | See: **Virginia**       | 14 |
| Virginia**:     |                    |                         |    |
+-----------------+--------------------+-------------------------+----+
| **Wisconsin**   | See: **Minnesota** | VA Regional Office      | 30 |
|                 |                    |                         |    |
|                 |                    | Building 6              |    |
|                 |                    |                         |    |
|                 |                    | 5000 West National      |    |
|                 |                    | Avenue                  |    |
|                 |                    |                         |    |
|                 |                    | Milwaukee, WI 53295     |    |
|                 |                    |                         |    |
|                 |                    | \(414\) 382-5052        |    |
+-----------------+--------------------+-------------------------+----+
| **Wyoming**     | See: **Colorado**  | See: **Colorado**       | 39 |
+-----------------+--------------------+-------------------------+----+