# EDGAR Filing Document

**Accession Number:** 0001948954
**File Stem:** 0001213900-23-006493
**Filing Date:** 2023-2
**Character Count:** 2740060
**Document Hash:** b424649492ad1db5e69a637cd66f7f8d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-23-006493.hdr.sgml**: 20230201

**ACCESSION NUMBER**: 0001213900-23-006493

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 97

**CONFORMED PERIOD OF REPORT**: 20230131

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20230201

**DATE AS OF CHANGE**: 20230131

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Other/Combined

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2023-NQM1, LLC
- **CENTRAL INDEX KEY:** 0001948954
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06393
- **FILM NUMBER:** 23574088

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E. STETSON DR., SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 602-802-8305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E. STETSON DR., SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PRP Depositor 2022-NQM2, LLC
- **DATE OF NAME CHANGE:** 20220929
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2023-NQM1, LLC
- **CENTRAL INDEX KEY:** 0001948954
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E. STETSON DR., SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 602-802-8305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E. STETSON DR., SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PRP Depositor 2022-NQM2, LLC
- **DATE OF NAME CHANGE:** 20220929
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2023-NQM1, LLC
- **CENTRAL INDEX KEY:** 0001948954
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E. STETSON DR., SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 602-802-8305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E. STETSON DR., SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PRP Depositor 2022-NQM2, LLC
- **DATE OF NAME CHANGE:** 20220929

OMB Number: 3235-0675

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>PRP DEPOSITOR 2023-NQM1, LLC</u>**

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person<br> to contact in connection with this filing.

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐

☒ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: <u>[_____]</u>

PRPM 2023-NQM1, LLC

(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): <u>Not applicable</u>

Central Index Key Number of underwriter (if applicable): <u>Not applicable</u>

Jim Barrons, (602) 802-8305

Name and telephone number, including area code, of the person<br> to contact in connection with this filing.

**FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

**Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuing Entity**

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached an Exhibit to this Form ABS-15G. Please see the Exhibit Index for the related information.

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
|  | PRP DEPOSITOR 2023-NQM1, LLC | PRP DEPOSITOR 2023-NQM1, LLC |
| Date: January 31, 2023 | By: | /s/ Jeff Padden |
|  | Name: | Jeff Padden |
|  | Title: | General Counsel |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 Third Party Due Diligence Report – AMC Risk Executive Summary](s148582_ex99-1.htm)

[Schedule 1 - Data Compare Report](s148582_ex99-1sch1.htm)

[Schedule 2 - Exception Grades](s148582_ex99-1sch2.htm)

[Schedule 3 - Multi-Property](s148582_ex99-1sch3.htm)

[Schedule 4 - Rating Agency Grades](s148582_ex99-1sch4.htm)

[Schedule 5 - Valuation Summary](s148582_ex99-1sch5.htm)

[99.2 – Third Party Due Diligence Report – Canopy narrative](s148582_ex99-2.htm)

[Schedule 1 - ATR QM Report](s148582_ex99-2sch1.htm)

[Schedule 2 - Data Compare Report](s148582_ex99-2sch2.htm)

[Schedule 3 - RA Grades Detail Report](s148582_ex99-2sch3.htm)

[Schedule 4 - RA Grades Summary Report](s148582_ex99-2sch4.htm)

[Schedule 5 - Valuation Report](s148582_ex99-2sch5.htm)

[99.3 – Third Party Due Diligence Report – Clayton Narrative](s148582_ex99-3.htm)

[Schedule 1 - Conditions Detail](s148582_ex99-3sch1.htm)

[Schedule 2 - Loan Grades](s148582_ex99-3sch2.htm)

[Schedule 3 - Loan Level Tape Compare Upload](s148582_ex99-3sch3.htm)

[Schedule 4 - Valuation Summary](s148582_ex99-3sch4.htm)

[99.4 – Third Party Due Diligence Report - Consolidated Analytics Narrative](s148582_ex99-4.htm)

[Schedule 1 - Data Compare Report](s148582_ex99-4sch1.htm)

[Schedule 2 - Exception Standard](s148582_ex99-4sch2.htm)

[Schedule 3 - Grading Summary Report](s148582_ex99-4sch3.htm)

[Schedule 4 - Loan Level Exceptions](s148582_ex99-4sch4.htm)

[Schedule 5 - Valuations Summary Report](s148582_ex99-4sch5.htm)

[99.5 – Third Party Due Diligence Report – Covius Narrative](s148582_ex99-5.htm)

[Schedule 1 - RA Agency Exceptions Matrix](s148582_ex99-5sch1.htm)

[Schedule 2 - RA Grades Report](s148582_ex99-5sch2.htm)

[Schedule 3 - RA Valuation Report](s148582_ex99-5sch3.htm)

[99.6 – Third Party Due Diligence Report – Evolve Narrative](s148582_ex99-6.htm)

[Schedule 1 - Data Compare](s148582_ex99-6sch1.htm)

[Schedule 2 - Exception Detail](s148582_ex99-6sch2.htm)

[Schedule 3 - RA Grades](s148582_ex99-6sch3.htm)

[Schedule 4 - Valuation Report](s148582_ex99-6sch4.htm)

[99.7 – Third Party Diligence Report – Infinity Narrative](s148582_ex99-7.htm)

[Schedule 1 - Data Compare](s148582_ex99-7sch1.htm)

[Schedule 2 - Individual Exception](s148582_ex99-7sch2.htm)

[Schedule 3 - Loan Level Exception](s148582_ex99-7sch3.htm)

[Schedule 4 - Multi-Property Valuation](s148582_ex99-7sch4.htm)

[Schedule 5 - Rating Agency Grade](s148582_ex99-7sch5.htm)

[Schedule 6 - Valuation Report](s148582_ex99-7sch6.htm)

[99.8 – Third Party Diligence Report - Maxwell Narrative](s148582_ex99-8.htm)

[Schedule 1 - Data Compare Summary](s148582_ex99-8sch1.htm)

[Schedule 2 - Data Comparison](s148582_ex99-8sch2.htm)

[Schedule 3 - Grading Report](s148582_ex99-8sch3.htm)

[Schedule 4 - RA Grades Detail](s148582_ex99-8sch4.htm)

[Schedule 5 - RA Grades Summary](s148582_ex99-8sch5.htm)

[Schedule 6 - Exceptions Report](s148582_ex99-8sch6.htm)

[Schedule 7 - Valuation Report](s148582_ex99-8sch7.htm)

[99.9 – Third Party Due Diligence Report – Mission Narrative](s148582_ex99-9.htm)

[Schedule 1 – Data Compare](s148582_ex99-9sch1.htm)

[Schedule 2 – RA Grades Detail](s148582_ex99-9sch2.htm)

[Schedule 3 – RA Grades Summary](s148582_ex99-9sch3.htm)

[Schedule 4 – Valuation Report](s148582_ex99-9sch4.htm)

[99.10 – Third Party Diligence Report – Selene Narrative](s148582_ex99-10.htm)

[Schedule 1 - Data Compare Report](s148582_ex99-10sch1.htm)

[Schedule 2 - RA Grades Summary Report](s148582_ex99-10sch2.htm)

[Schedule 3 - Standard Findings Report](s148582_ex99-10sch3.htm)

[Schedule 4 - Valuation Report](s148582_ex99-10sch4.htm)

[99.11 – Third Party Diligence Report – Wipro Narrative](s148582_ex99-11.htm)

[Schedule 1 - Data Compare](s148582_ex99-11sch1.htm)

[Schedule 2 - Exception Report](s148582_ex99-11sch2.htm)

[Schedule 3 - RA Agency Grades](s148582_ex99-11sch3.htm)

[Schedule 4 - Valuation Report](s148582_ex99-11sch4.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**<u>LEASES REVIEW</u>**

**<u>DOCUMENT REVIEW</u>**

For each Loan, AMC will review the corresponding Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial loan application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose/nonowner occupancy, (l) articles of incorporation (m) operating agreement, (n) background check, (o) leases, (p) assignment of leases and rents, (q) closing protection letter, (r) lease agreement(s), and(s) track record report.

**<u>CREDIT REVIEW</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

**Credit Application:** For the Credit Application, AMC will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

**Credit Report:** AMC will verify (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

**Employment and Income:** AMC will determine whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

**Borrowing Entity:** AMC will verify the borrowing entity, if not an individual, is properly documented. In addition, AMC will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

**Property income:** AMC will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI/DSCR" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

**Valuation Review:** AMC's review will include a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (iv) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review will (i) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal guidelines; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

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![](ex99-1_001.jpg)

**Asset Review:** AMC will assess whether the asset documentation required by the guidelines is present in the file. AMC will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

**Insurance:** AMC will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

**Title:** AMC will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC will also review the Title Commitment for the disclosure issues such as assessments; covenants, conditions and restrictions); access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC will review for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, AMC will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**<u>DATA COLLECTION</u>**

AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

**(6) Value of collateral securing the assets: review and methodology.**

AMC's review will include a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, and (iv) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions.

<br> With regard to the use of comparable properties, AMC's review will (i) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal guidelines; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

<br> Other aspects of AMC's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

Not applicable.

**(8) Other: review and methodology.**

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

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![](ex99-1_001.jpg)

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued. SitusAMC also hereby disclaims any representation or warranty as to the inclusion or omission of any facts or information, or as to its suitability, sufficiency or appropriateness for the purposes of the transaction parties or investors or the use of the Report in preparation of any other document in connection with the subject transaction.).

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

**Item 5. Summary of findings and conclusions of review**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed in Item 3 above.

**OVERALL REVIEW RESULTS SUMMARY**

There were one hundred eighty-eight (188) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria one hundred three (103) (54.79%) had an Overall grade of "A", and eighty-five (85) (45.21%) had an Overall grade of "B". After all documents were presented, under the applicable DBRS NRSRO grading criteria one hundred twenty-seven (127) (67.55%) had an Overall grade of "A" and sixty-one (61) (32.457%) had an Overall grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;103 | &nbsp;&nbsp;54.79% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;85 | &nbsp;&nbsp;45.21% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** |

---

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![](ex99-1_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Overall Loan Grades** | &nbsp;&nbsp;**DBRS Overall Loan Grades** | &nbsp;&nbsp;**DBRS Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;127 | &nbsp;&nbsp;67.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;61 | &nbsp;&nbsp;32.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All one hundred eight-eight (188) loans reviewed received an "A" or "B" Credit grade, and one hundred twenty-seven (127) or 67.55% received an "A" Credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;127 | &nbsp;&nbsp;67.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;61 | &nbsp;&nbsp;32.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

There were one hundred eighty-eight (188) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria one hundred sixty (160) (85.11%) had a Property grade of "A", and twenty-eight loans (14.89%) had a Property grade of "B". After all documents were presented, under the applicable DBRS NRSRO grading criteria all one hundred eighty-eight (188) (100.00%) had a Property grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **S&P Property Loan Grades** | &nbsp;&nbsp; **S&P Property Loan Grades** | &nbsp;&nbsp; **S&P Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;160 | &nbsp;&nbsp;85.11% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;28 | &nbsp;&nbsp;14.89% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Property Loan Grades** | &nbsp;&nbsp;**DBRS Property Loan Grades** | &nbsp;&nbsp;**DBRS Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;188 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** |

---

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![](ex99-1_001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred eighty-eight (188) Loans reviewed, one hundred seventy-seven (177) unique Loans had five hundred thirty (530) different tape discrepancies across forty-seven (47) data fields (some Loans had more than one data delta). The most variances were found on Occupancy, Margin and Street. These variances are frequently due to entity versus individual guarantor(s) name being listed on the tape data.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;175 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;40 | &nbsp;&nbsp;2.50% |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;64 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;7 | &nbsp;&nbsp;34 | &nbsp;&nbsp;20.59% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;17 | &nbsp;&nbsp;32 | &nbsp;&nbsp;53.13% |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;46 | &nbsp;&nbsp;96 | &nbsp;&nbsp;47.92% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;39 | &nbsp;&nbsp;47 | &nbsp;&nbsp;82.98% |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;10 | &nbsp;&nbsp;186 | &nbsp;&nbsp;5.38% |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;39 | &nbsp;&nbsp;99 | &nbsp;&nbsp;39.39% |
| &nbsp;&nbsp;Cost Basis | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;114 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Flood Insurance Annual Premium | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Flood Insurance Monthly Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Hazard Insurance Annual Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Hazard Insurance Monthly Premium | &nbsp;&nbsp;5 | &nbsp;&nbsp;24 | &nbsp;&nbsp;20.83% |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;9 | &nbsp;&nbsp;44.44% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;88 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;4 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% |

---

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![](ex99-1_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;49 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan to Cost (LTC) | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;93 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;63 | &nbsp;&nbsp;77 | &nbsp;&nbsp;81.82% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;108 | &nbsp;&nbsp;2.78% |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Monthly HOA Dues | &nbsp;&nbsp;4 | &nbsp;&nbsp;12 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;8 | &nbsp;&nbsp;20 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;Next Interest Rate Change Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;56 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;68 | &nbsp;&nbsp;92 | &nbsp;&nbsp;73.91% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;74 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;7 | &nbsp;&nbsp;180 | &nbsp;&nbsp;3.89% |
| &nbsp;&nbsp;Original Interest Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;173 | &nbsp;&nbsp;0.58% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;175 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;Original PITI | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;104 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;30 | &nbsp;&nbsp;32 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Terms | &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;33 | &nbsp;&nbsp;186 | &nbsp;&nbsp;17.74% |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;188 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;103 | &nbsp;&nbsp;2.91% |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;9 | &nbsp;&nbsp;169 | &nbsp;&nbsp;5.33% |
| &nbsp;&nbsp;Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;State | &nbsp;&nbsp;3 | &nbsp;&nbsp;185 | &nbsp;&nbsp;1.62% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;53 | &nbsp;&nbsp;118 | &nbsp;&nbsp;44.92% |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;65 | &nbsp;&nbsp;3.08% |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total PITIA | &nbsp;&nbsp;25 | &nbsp;&nbsp;64 | &nbsp;&nbsp;39.06% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;116 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**530** | &nbsp;&nbsp;**3723** | &nbsp;&nbsp;**14.24%** |

---

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![](ex99-1_001.jpg)

**ADDITIONAL LOAN POPULATION SUMMARY (some totals may not add due to rounding)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;177 | &nbsp;&nbsp;94.15% | &nbsp;&nbsp;$44013526.71 | &nbsp;&nbsp;90.75% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;11 | &nbsp;&nbsp;5.85% | &nbsp;&nbsp;$4486894.00 | &nbsp;&nbsp;9.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$48500420.71** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;188 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$48500420.71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$48500420.71** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;89 | &nbsp;&nbsp;47.34% | &nbsp;&nbsp;$21393150.00 | &nbsp;&nbsp;44.11% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.13% | &nbsp;&nbsp;$1403150.00 | &nbsp;&nbsp;2.89% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;77 | &nbsp;&nbsp;40.96% | &nbsp;&nbsp;$20022070.71 | &nbsp;&nbsp;41.28% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;18 | &nbsp;&nbsp;9.57% | &nbsp;&nbsp;$5682050.00 | &nbsp;&nbsp;11.72% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$48500420.71** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;166 | &nbsp;&nbsp;88.30% | &nbsp;&nbsp;$39897826.71 | &nbsp;&nbsp;82.26% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;22 | &nbsp;&nbsp;11.70% | &nbsp;&nbsp;$8602594.00 | &nbsp;&nbsp;17.74% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$48500420.71** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;85 | &nbsp;&nbsp;45.21% | &nbsp;&nbsp;$19676557.00 | &nbsp;&nbsp;40.57% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;8 | &nbsp;&nbsp;4.26% | &nbsp;&nbsp;$979350.00 | &nbsp;&nbsp;2.02% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.66% | &nbsp;&nbsp;$1565000.00 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;23 | &nbsp;&nbsp;12.23% | &nbsp;&nbsp;$7884244.00 | &nbsp;&nbsp;16.26% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;18 | &nbsp;&nbsp;9.57% | &nbsp;&nbsp;$2039445.00 | &nbsp;&nbsp;4.21% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;24 | &nbsp;&nbsp;12.77% | &nbsp;&nbsp;$4832350.00 | &nbsp;&nbsp;9.96% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.72% | &nbsp;&nbsp;$2389500.00 | &nbsp;&nbsp;4.93% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;9 | &nbsp;&nbsp;4.79% | &nbsp;&nbsp;$4529650.00 | &nbsp;&nbsp;9.34% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.06% | &nbsp;&nbsp;$900000.00 | &nbsp;&nbsp;1.86% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.72% | &nbsp;&nbsp;$3704324.71 | &nbsp;&nbsp;7.64% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$48500420.71** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;188 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$48500420.71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$48500420.71** | &nbsp;&nbsp;**100.00%** |

---

7 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) |  |  |  |  |  |  |
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |
| **Run Date - 1/23/2023 7:40:13 AM** | **Run Date - 1/23/2023 7:40:13 AM** | **Run Date - 1/23/2023 7:40:13 AM** |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** |
| 217471005 | XX | XX |  |  | Appraisal Date | (REDACTED) | (REDACTED) | Verified |
| 217674947 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 217713363 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 217713363 | XX | XX |  |  | City | (REDACTED) | (REDACTED) | Verified |
| 217713363 | XX | XX |  |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 217713363 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 217713363 | XX | XX |  |  | Amortization Type | ARM | Fixed | Verified |
| 217713363 | XX | XX |  |  | Index Type | LIBOR - 1 Year (Daily) |  | Verified |
| 217713363 | XX | XX |  |  | Margin | 5.25 |  | Verified |
| 217713363 | XX | XX |  |  | First Interest Rate Change Date | (REDACTED) | (REDACTED) | Verified |
| 217713363 | XX | XX |  |  | Interest Rate Change Frequency | 12 |  | Verified |
| 217713363 | XX | XX |  |  | Interest Rate Life Cap | 5 |  | Verified |
| 217713363 | XX | XX |  |  | Interest Rate Initial Cap | 2 |  | Verified |
| 217713363 | XX | XX |  |  | Origination Channel | Retail | Broker | Verified |
| 217713363 | XX | XX |  |  | Interest Rate Life Floor | 6.23 |  | Verified |
| 217713442 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 217713442 | XX | XX |  |  | Origination Channel |  | Retail | Verified |
| 217713505 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 217713531 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 217713531 | XX | XX |  |  | City | (REDACTED) | (REDACTED) | Verified |
| 217713531 | XX | XX |  |  | State | (REDACTED) | (REDACTED) | Verified |
| 217713531 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 217713531 | XX | XX |  |  | Property Type | Multi Family |  | Verified |
| 217713531 | XX | XX |  |  | Hazard Insurance Monthly Premium | 1232.42 | 1215.75 | Verified |
| 217713531 | XX | XX |  |  | Original PITI | (REDACTED) | (REDACTED) | Verified |
| 217713532 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 217713532 | XX | XX |  |  | Original PITI | (REDACTED) | (REDACTED) | Verified |
| 217713532 | XX | XX |  |  | Monthly HOA Dues | 0 |  | Verified |
| 217713536 | XX | XX |  |  | Original PITI | (REDACTED) | (REDACTED) | Verified |
| 217713538 | XX | XX |  |  | Original PITI | (REDACTED) | (REDACTED) | Verified |
| 217713539 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 217713539 | XX | XX |  |  | City | (REDACTED) | (REDACTED) | Verified |
| 217713539 | XX | XX |  |  | State | (REDACTED) | (REDACTED) | Verified |
| 217713539 | XX | XX |  |  | Zip | (REDACTED) | (REDACTED) | Verified |
| 217713539 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 217713539 | XX | XX |  |  | Property Type | Single Family |  | Verified |
| 217713539 | XX | XX |  |  | Hazard Insurance Monthly Premium | 382.5 | 382.83 | Verified |
| 217713539 | XX | XX |  |  | Monthly Taxes | 1185.25 | 1185.23 | Verified |
| 217713539 | XX | XX |  |  | Original PITI | (REDACTED) | (REDACTED) | Verified |
| 217713541 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 217713541 | XX | XX |  |  | Original PITI | (REDACTED) | (REDACTED) | Verified |
| 217713541 | XX | XX |  |  | Monthly HOA Dues | 0 |  | Verified |
| 217713580 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 217713580 | XX | XX |  |  | Origination Channel |  | Broker | Verified |
| 217905979 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 217905979 | XX | XX |  |  | Margin | 0 |  | Verified |
| 217905981 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 217905981 | XX | XX |  |  | Margin | 0 |  | Verified |
| 217905985 | XX | XX |  |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified |
| 217905985 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 217905985 | XX | XX |  |  | Margin | 0 |  | Verified |
| 217905985 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 217905995 | XX | XX |  |  | Property Type | Single Family Detached | 2 Family | Verified |
| 217905995 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 217905995 | XX | XX |  |  | Margin | 0 |  | Verified |
| 217906005 | XX | XX |  |  | Property Type | Single Family Detached | 2 Family | Verified |
| 217906005 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 217906005 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018501 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018501 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018527 | XX | XX |  |  | Property Type | Single Family Detached | 4 Family | Verified |
| 218018527 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018527 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018528 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018528 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018528 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218018533 | XX | XX |  |  | Property Type | Single Family Detached | 2 Family | Verified |
| 218018533 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018533 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018534 | XX | XX |  |  | Property Type | Single Family Detached | 4 Family | Verified |
| 218018534 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018543 | XX | XX |  |  | Property Type | Single Family Detached | Condo (High Rise) | Verified |
| 218018543 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018543 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018543 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218018547 | XX | XX |  |  | Property Type | Single Family Detached | 3 Family | Verified |
| 218018547 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018547 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018547 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218018552 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018552 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018554 | XX | XX |  |  | Representative FICO |  | 0 | Verified |
| 218018554 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018554 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018557 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018557 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018557 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218018564 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018564 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018565 | XX | XX |  |  | Property Type | Single Family Detached | 2 Family | Verified |
| 218018565 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018565 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018568 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018568 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018572 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018572 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018573 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018573 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018581 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018581 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018584 | XX | XX |  |  | Property Type | Single Family Detached | 2 Family | Verified |
| 218018584 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018584 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018584 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218018587 | XX | XX |  |  | Property Type | Single Family Detached | Condo (High Rise) | Verified |
| 218018587 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018587 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018590 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018590 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018594 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018600 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018600 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018600 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218018605 | XX | XX |  |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified |
| 218018605 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018605 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018607 | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified |
| 218018607 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018607 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018607 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218018608 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018608 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218018608 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218018609 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218018609 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218071259 | XX | XX |  |  | Property Type | Single Family Detached | Mixed Use | Verified |
| 218071259 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218071259 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218071271 | XX | XX |  |  | Representative FICO |  | 0 | Verified |
| 218071271 | XX | XX |  |  | Property Type | Single Family Detached | Condo (High Rise) | Verified |
| 218071271 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218071271 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218071277 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218071277 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218071277 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218071280 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218071286 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218071286 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218071291 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218071291 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218071291 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218071293 | XX | XX |  |  | Property Type | Single Family Detached | Condo (High Rise) | Verified |
| 218071293 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218071294 | XX | XX |  |  | Property Type | Single Family Detached | 2 Family | Verified |
| 218071294 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218071294 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218071298 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218071298 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218071301 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218071301 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218071302 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218071302 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218071305 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218071305 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218300976 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218300976 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218300976 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218344547 | XX | XX |  |  | Property Type | Single Family Detached | Mixed Use | Verified |
| 218344547 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344547 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344547 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218344551 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344551 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344557 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344557 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344577 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344577 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344579 | XX | XX |  |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified |
| 218344579 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344579 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344579 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218344580 | XX | XX |  |  | Property Type | Single Family Detached | 2 Family | Verified |
| 218344580 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344580 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344587 | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified |
| 218344587 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344587 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344588 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344588 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344588 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218344592 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344592 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344592 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218344594 | XX | XX |  |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified |
| 218344594 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344594 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344598 | XX | XX |  |  | Property Type | Single Family Detached | Condo (Mid Rise) | Verified |
| 218344598 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344598 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344600 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344600 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344604 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344605 | XX | XX |  |  | Property Type | Single Family Detached | 4 Family | Verified |
| 218344605 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344605 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344608 | XX | XX |  |  | Property Type | Single Family Detached | Condo (High Rise) | Verified |
| 218344608 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344608 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344608 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218344614 | XX | XX |  |  | Property Type | Single Family Detached | 4 Family | Verified |
| 218344614 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344614 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344616 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344616 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344616 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218344617 | XX | XX |  |  | Property Type | Single Family Attached | 2 Family | Verified |
| 218344617 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344617 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344617 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218344619 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344619 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344621 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344621 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344622 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344622 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344622 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218344623 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344623 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344623 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218344624 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344624 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218344624 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218344626 | XX | XX |  |  | Occupancy | Primary | Investment | Verified |
| 218344626 | XX | XX |  |  | Margin | 0 |  | Verified |
| 218386857 | XX | XX | 370791425 |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386857 | XX | XX | 370791425 |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386857 | XX | XX | 370791425 |  | Origination Channel |  | Broker | Verified |
| 218386858 | XX | XX | 370790736 |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386858 | XX | XX | 370790736 |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386858 | XX | XX | 370790736 |  | Origination Channel |  | Broker | Verified |
| 218386859 | XX | XX |  |  | Original Term | 30 | 360 | Verified |
| 218386859 | XX | XX |  |  | Maturity Date | (REDACTED) | (REDACTED) | Verified |
| 218386862 | XX | XX | 370791794 |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218386862 | XX | XX | 370791794 |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386862 | XX | XX | 370791794 |  | Coborrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218386862 | XX | XX | 370791794 |  | Coborrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386862 | XX | XX | 370791794 |  | Note Date | (REDACTED) | (REDACTED) | Verified |
| 218386862 | XX | XX | 370791794 |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386862 | XX | XX | 370791794 |  | Origination Channel |  | Broker | Verified |
| 218386863 | XX | XX | 370791780 |  | Borrower SSN | (REDACTED) | (REDACTED) | Verified |
| 218386863 | XX | XX | 370791780 |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386863 | XX | XX | 370791780 |  | Origination Channel |  | Broker | Verified |
| 218386863 | XX | XX | 370791780 |  | Monthly Taxes | 61.38 | 173.59 | Verified |
| 218386867 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386867 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386867 | XX | XX |  |  | Original Term | 30 | 360 | Verified |
| 218386867 | XX | XX |  |  | Maturity Date | (REDACTED) | (REDACTED) | Verified |
| 218386867 | XX | XX |  |  | Loan to Cost (LTC) | 207.51 |  | Verified |
| 218386868 | XX | XX |  |  | Maturity Date | (REDACTED) | (REDACTED) | Verified |
| 218386868 | XX | XX |  |  | Refi Purpose | Cash-out | Rate/Term | Verified |
| 218386873 | XX | XX | 370790400 |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218386873 | XX | XX | 370790400 |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386873 | XX | XX | 370790400 |  | Coborrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218386873 | XX | XX | 370790400 |  | Coborrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386873 | XX | XX | 370790400 |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386873 | XX | XX | 370790400 |  | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| 218386873 | XX | XX | 370790400 |  | Origination Channel |  | Retail | Verified |
| 218386873 | XX | XX | 370790400 |  | Hazard Insurance Monthly Premium | 122.33 | 110.33 | Verified |
| 218386873 | XX | XX | 370790400 |  | Monthly Taxes | 9.25 | 9.22 | Verified |
| 218386874 | XX | XX | 370790419 |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218386874 | XX | XX | 370790419 |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386874 | XX | XX | 370790419 |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386874 | XX | XX | 370790419 |  | Origination Channel |  | Retail | Verified |
| 218386874 | XX | XX | 370790419 |  | Monthly Taxes | 119.82 | 119.81 | Verified |
| 218386875 | XX | XX | 370791651 |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218386875 | XX | XX | 370791651 |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386875 | XX | XX | 370791651 |  | Origination Channel |  | Broker | Verified |
| 218386875 | XX | XX | 370791651 |  | Monthly Taxes | 53.44 | 133.95 | Verified |
| 218386876 | XX | XX | 370791036 |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386876 | XX | XX | 370791036 |  | Origination Channel |  | Broker | Verified |
| 218386876 | XX | XX | 370791036 |  | Hazard Insurance Monthly Premium | 125.92 | 131.08 | Verified |
| 218386877 | XX | XX | 370791726 |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218386877 | XX | XX | 370791726 |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386877 | XX | XX | 370791726 |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386877 | XX | XX | 370791726 |  | Origination Channel |  | Retail | Verified |
| 218386877 | XX | XX | 370791726 |  | Monthly Taxes | 100 | 94.86 | Verified |
| 218386878 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386878 | XX | XX |  |  | Original PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386878 | XX | XX |  |  | Monthly HOA Dues |  | 0 | Verified |
| 218386881 | XX | XX |  |  | Original P&I | (REDACTED) | (REDACTED) | Verified |
| 218386881 | XX | XX |  |  | Hazard Insurance Monthly Premium | 50 | 65.92 | Verified |
| 218386881 | XX | XX |  |  | Monthly Taxes | 91.67 | 82.8 | Verified |
| 218386881 | XX | XX |  |  | Monthly HOA Dues | 10.42 | 125 | Verified |
| 218386887 | XX | XX |  |  | Appraisal Date | (REDACTED) | (REDACTED) | Verified |
| 218386887 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386888 | XX | XX |  |  | Note Date | (REDACTED) | (REDACTED) | Verified |
| 218386888 | XX | XX |  |  | Appraisal Date | (REDACTED) | (REDACTED) | Verified |
| 218386888 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386888 | XX | XX |  |  | Original PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386890 | XX | XX |  |  | Note Date | (REDACTED) | (REDACTED) | Verified |
| 218386890 | XX | XX |  |  | Representative FICO | 665 | 746 | Verified |
| 218386890 | XX | XX |  |  | Appraisal Date | (REDACTED) | (REDACTED) | Verified |
| 218386898 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386898 | XX | XX |  |  | City | (REDACTED) | (REDACTED) | Verified |
| 218386898 | XX | XX |  |  | State | (REDACTED) | (REDACTED) | Verified |
| 218386898 | XX | XX |  |  | Zip | (REDACTED) | (REDACTED) | Verified |
| 218386898 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386898 | XX | XX |  |  | Property Type | Single Family |  | Verified |
| 218386898 | XX | XX |  |  | Original PITI | (REDACTED) | (REDACTED) | Verified |
| 218386899 | XX | XX |  |  | Monthly Taxes | 1153.27 | 2444.04 | Verified |
| 218386899 | XX | XX |  |  | Original PITI | (REDACTED) | (REDACTED) | Verified |
| 218386901 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386902 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386902 | XX | XX |  |  | Flood Insurance Annual Premium | 0 |  | Verified |
| 218386909 | XX | XX |  |  | City | (REDACTED) | (REDACTED) | Verified |
| 218386909 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386911 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386911 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386911 | XX | XX |  |  | Total Cash-out |  | 0 | Verified |
| 218386916 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386916 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386916 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386919 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386919 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386919 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386920 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386920 | XX | XX |  |  | City | (REDACTED) | (REDACTED) | Verified |
| 218386920 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386921 | XX | XX |  |  | # of Units | 1 | 2 | Verified |
| 218386922 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386922 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386922 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386923 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386923 | XX | XX |  |  | City | (REDACTED) | (REDACTED) | Verified |
| 218386923 | XX | XX |  |  | Representative FICO | 754 | 779 | Verified |
| 218386923 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386924 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386924 | XX | XX |  |  | City | (REDACTED) | (REDACTED) | Verified |
| 218386924 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386925 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386925 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386926 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386926 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386929 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386929 | XX | XX |  |  | Index Type | SOFR | SOFR 30 Day Average | Verified |
| 218386929 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386929 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386930 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386930 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386933 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386933 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386933 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386933 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386934 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386934 | XX | XX |  |  | Index Type | SOFR | SOFR 30 Day Average | Verified |
| 218386934 | XX | XX |  |  | Balloon Flag | 0 | 1 | Verified |
| 218386934 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386935 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386935 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386936 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386936 | XX | XX |  |  | Balloon Flag | 0 | 1 | Verified |
| 218386936 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386937 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386938 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386938 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386939 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386940 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386940 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386940 | XX | XX |  |  | Appraisal Date | (REDACTED) | (REDACTED) | Verified |
| 218386940 | XX | XX |  |  | # of Units | 3 | 2 | Verified |
| 218386940 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386940 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386940 | XX | XX |  |  | Appraisal As-Is Value | (REDACTED) | (REDACTED) | Verified |
| 218386941 | XX | XX |  |  | Appraisal Date | (REDACTED) | (REDACTED) | Verified |
| 218386942 | XX | XX |  |  | Appraisal Date | (REDACTED) | (REDACTED) | Verified |
| 218386943 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386943 | XX | XX |  |  | Representative FICO | 770 | 800 | Verified |
| 218386943 | XX | XX |  |  | Contract Sales Price | (REDACTED) | (REDACTED) | Verified |
| 218386943 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386944 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386944 | XX | XX |  |  | City | (REDACTED) | (REDACTED) | Verified |
| 218386944 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386946 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386946 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386947 | XX | XX |  |  | Representative FICO | 791 | 794 | Verified |
| 218386948 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386949 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386949 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386950 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386950 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386951 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386951 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386951 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386952 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386952 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386953 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386953 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386953 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386954 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386954 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386955 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386955 | XX | XX |  |  | Index Type | SOFR | SOFR 30 Day Average | Verified |
| 218386955 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386955 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386956 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386956 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386956 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 2.7 | 2.53 | Verified |
| 218386957 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386957 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386959 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386959 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386960 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386960 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386960 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386961 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386961 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386961 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386962 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386962 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386962 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386963 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386963 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386964 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386964 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386964 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386965 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386965 | XX | XX |  |  | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| 218386965 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386965 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386966 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386966 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386966 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386967 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386967 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386967 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386968 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386968 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386974 | XX | XX |  |  | Representative FICO | 796 | 791 | Verified |
| 218386977 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386977 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386979 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386979 | XX | XX |  |  | Prepayment Terms | No Prepayment Penalty |  | Verified |
| 218386979 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386979 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.78 | 1.62 | Verified |
| 218386982 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386982 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386983 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386983 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386983 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386984 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386984 | XX | XX |  |  | City | (REDACTED) | (REDACTED) | Verified |
| 218386984 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386988 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386988 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386988 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386990 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386990 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386990 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386992 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386992 | XX | XX |  |  | Prepayment Terms | 1%, 1%, 1% | 1% | Verified |
| 218386992 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386992 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386993 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386993 | XX | XX |  |  | Borrower Full Name | (REDACTED) | (REDACTED) | Verified |
| 218386993 | XX | XX |  |  | Total PITIA | (REDACTED) | (REDACTED) | Verified |
| 218386996 | XX | XX |  |  | Note Date | (REDACTED) | (REDACTED) | Verified |
| 218386998 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218386998 | XX | XX |  |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218386998 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218386998 | XX | XX |  |  | Original Interest Rate | (REDACTED) | (REDACTED) | Verified |
| 218386998 | XX | XX |  |  | Representative FICO | 707 | 727 | Verified |
| 218386998 | XX | XX |  |  | Origination Channel |  | Retail | Verified |
| 218387000 | XX | XX |  |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218387000 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387000 | XX | XX |  |  | Original Interest Rate | (REDACTED) | (REDACTED) | Verified |
| 218387007 | XX | XX |  |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218387007 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387007 | XX | XX |  |  | Origination Channel |  | Retail | Verified |
| 218387008 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387008 | XX | XX |  |  | Interest Rate Initial Floor |  | 0 | Verified |
| 218387008 | XX | XX |  |  | Balloon Flag | 0 | 1 | Verified |
| 218387008 | XX | XX |  |  | Origination Channel |  | Retail | Verified |
| 218387019 | XX | XX |  |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218387019 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387019 | XX | XX |  |  | Balloon Flag | 0 | 1 | Verified |
| 218387019 | XX | XX |  |  | Original LTV | 77 | 80 | Verified |
| 218387019 | XX | XX |  |  | Origination Channel |  | Retail | Verified |
| 218387021 | XX | XX |  |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218387021 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387021 | XX | XX |  |  | Original Interest Rate | (REDACTED) | (REDACTED) | Verified |
| 218387021 | XX | XX |  |  | Origination Channel |  | Retail | Verified |
| 218387023 | XX | XX |  |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218387023 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387023 | XX | XX |  |  | Origination Channel |  | Broker | Verified |
| 218387025 | XX | XX |  |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218387025 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387025 | XX | XX |  |  | Original Interest Rate | (REDACTED) | (REDACTED) | Verified |
| 218387025 | XX | XX |  |  | Origination Channel |  | Retail | Verified |
| 218387026 | XX | XX |  |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218387026 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387026 | XX | XX |  |  | Property Type | Single Family | PUD | Verified |
| 218387026 | XX | XX |  |  | Interest Rate Initial Floor |  | 0 | Verified |
| 218387026 | XX | XX |  |  | Balloon Flag | 0 | 1 | Verified |
| 218387026 | XX | XX |  |  | Origination Channel | Retail | Broker | Verified |
| 218387027 | XX | XX |  |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218387027 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387027 | XX | XX |  |  | Origination Channel |  | Broker | Verified |
| 218387031 | XX | XX |  |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218387031 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387031 | XX | XX |  |  | Original Interest Rate | (REDACTED) | (REDACTED) | Verified |
| 218387031 | XX | XX |  |  | Origination Channel |  | Broker | Verified |
| 218387033 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387033 | XX | XX |  |  | Origination Channel |  | Retail | Verified |
| 218387034 | XX | XX |  |  | Street | (REDACTED) | (REDACTED) | Verified |
| 218387034 | XX | XX |  |  | Borrower First Name | (REDACTED) | (REDACTED) | Verified |
| 218387034 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387034 | XX | XX |  |  | Origination Channel |  | Broker | Verified |
| 218387036 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387036 | XX | XX |  |  | Interest Rate Initial Floor |  | 0 | Verified |
| 218387036 | XX | XX |  |  | Balloon Flag | 0 | 1 | Verified |
| 218387036 | XX | XX |  |  | Origination Channel |  | Retail | Verified |
| 218387037 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387037 | XX | XX |  |  | Original Interest Rate | (REDACTED) | (REDACTED) | Verified |
| 218387037 | XX | XX |  |  | Origination Channel |  | Retail | Verified |
| 218387038 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387038 | XX | XX |  |  | Original Loan Amount | (REDACTED) | (REDACTED) | Verified |
| 218387038 | XX | XX |  |  | Representative FICO | 791 | 778 | Verified |
| 218387038 | XX | XX |  |  | Property Type | Multi Family |  | Verified |
| 218387038 | XX | XX |  |  | Origination Channel |  | Retail | Verified |
| 218387039 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387039 | XX | XX |  |  | Origination Channel |  | Retail | Verified |
| 218387041 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387041 | XX | XX |  |  | Original Interest Rate | (REDACTED) | (REDACTED) | Verified |
| 218387041 | XX | XX |  |  | Interest Rate Initial Floor |  | 0 | Verified |
| 218387041 | XX | XX |  |  | Balloon Flag | 0 | 1 | Verified |
| 218387041 | XX | XX |  |  | Origination Channel |  | Broker | Verified |
| 218387043 | XX | XX |  |  | Borrower Last Name | (REDACTED) | (REDACTED) | Verified |
| 218387043 | XX | XX |  |  | Property Type | Single Family | PUD | Verified |
| 218387043 | XX | XX |  |  | Original LTV | 61 | 80 | Verified |
| 218387043 | XX | XX |  |  | Origination Channel |  | Retail | Verified |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch2_001.jpg) | ![](ex99-1sch2_001.jpg) | ![](ex99-1sch2_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 1/XX/2023 9:40:20 PM** | **Run Date - 1/XX/2023 9:40:20 PM** | **Run Date - 1/XX/2023 9:40:20 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 217674947 | XX | XX |  | 25458442 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved, Subject property has a new leased dated [REDACTED] (showing monthly rent of [REDACTED] per months) and receipt of the required [REDACTED] security deposit has been documented, however, the first month's rent isn't due until [REDACTED] (and borrower is trying to close on [REDACTED] to avoid a 2-point fee). Allow gross rental income for subject property documented with the new lease and receipt of the security deposit only (however, the lower market rent per appraisal is [REDACTED] per month which is the amount being used to qualify) vs program requirement that lenders must verify rental income documented with a lease by including, in the mortgage file, borrower bank statements which shows either [REDACTED] months [REDACTED] rent receipts of (2) for a new lease, receipt and deposit of the security deposit and first month's rent. The subject property's gross rental income is the lower of market value from appraisal and the actual rent for which the subject property is leased. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED] points. | Credit score is [REDACTED], [REDACTED] points > program requirement of [REDACTED]. | SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-03-14): Lender exception with comp factors. |  |  | 3/XX/2022 5:05:44 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217674947 | XX | XX |  | 25458443 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | Fannie Mae score is [REDACTED] and Freddie Mac score is [REDACTED]. Guidelines require a secondary valuation when one score exceeds [REDACTED]. |  |  |  | Reviewer Comment (2022-04-13): Received CDA dated [REDACTED] with [REDACTED] value variance, doc associated & system updated. Exception Cleared<br>Buyer Comment (2022-04-12): CDA uploaded for your review.<br>Reviewer Comment (2022-04-01): CDA is still missing. Exception Remains.<br>Buyer Comment (2022-03-31): Please disregard prior statement and upload.<br>Buyer Comment (2022-03-31): Appraisal review approval uploaded for your review, | 4/XX/2022 12:35:28 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217674947 | XX | XX |  | 25458445 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan purpose is cash out. The FHMLC LCA is a [REDACTED]. Approval from [REDACTED]s Appraisal Review Department not provided. |  |  |  | Reviewer Comment (2022-03-25): Received Appraisal Approval from (Redacted)Appraisal dept. doc associated. Exception Cleared<br>Buyer Comment (2022-03-24): Approval from Appraisal Review uploaded for your review. | 3/XX/2022 12:19:09 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217674947 | XX | XX |  | 25458446 |  |  | Credit | Guideline | Guideline Issue | Guideline | Asset verification is less than [REDACTED] months verified as required by guidelines |  | Missing December statement for account #[REDACTED] to support two consecutive months bank statements as January was provided. |  |  |  | Reviewer Comment (2022-04-18): Cleared<br>Buyer Comment (2022-04-18): [REDACTED] bank statement uploaded for your review. | 4/XX/2022 2:02:41 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217674947 | XX | XX |  | 25458447 |  |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2022-04-18): Received HOI policy with full Mortgagee clause on it , Exception cleared.<br>Buyer Comment (2022-04-14): Please see EOI with full mortgagee uploaded for your review. | 4/XX/2022 1:11:15 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713363 | XX | XX |  | 25483686 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Submission Form and Term Sheet (acceptable replacement per [REDACTED]) documenting citizenship, etc, are not apparent in file. |  |  |  | Reviewer Comment (2020-12-16): Included in TD. | 12/XX/2020 11:28:23 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713363 | XX | XX |  | 25483687 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2020-12-11): Included in trailing documents | 12/XX/2020 10:08:04 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713363 | XX | XX |  | 25483689 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I |  |  |  |  |  | Reviewer Comment (2022-02-17): In TD<br>Seller Comment (2022-02-15): attached<br>Reviewer Comment (2021-01-15): The signature page provided with the trailing note is the same signature page from the original note with the wrong terms/ payment. (REDACTED) must review a newly executed note with the new terms in order to clear this exception.<br>Seller Comment (2021-01-14): As mentioned that is the correct Note and you can confirm with (REDACTED) who have the original.<br>Reviewer Comment (2021-01-06): If the note terms have changed (REDACTED) requires a newly executed corrected note to confirm that is is enforceable with the new terms. Unable to accept the trailing note as being enforceable at this time. The executed note provided with the original file is a fixed rate note with particular terms. The trailing version is an ARM note with different payments amount, IO terms, etc. and the signature page from the fixed rate note was provided as a replacement page.<br>Reviewer Comment (2020-12-16): If the note terms have changed (REDACTED) requires a newly executed corrected note to confirm that is is enforceable with the new terms. Unable to accept the trailing note as being enforceable at this time. The executed note provided with the original file is a fixed rate note with particular terms. The trailing version is an ARM note with different payments amount, IO terms, etc. and the signature page from the fixed rate note was provided as a replacement page.<br>Seller Comment (2020-12-15): This is the correct note. | 2/XX/2022 10:04:12 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713363 | XX | XX |  | 25483690 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Current lease is month to month and was apparently not in place [REDACTED] months prior. Consequently the subject property is considered unleased per guidelines and a 10% haircut must be applied to the market rent. The result is a DSCR that is less than [REDACTED] | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [REDACTED]. | Low LTV | SitusAMC,Originator | Reviewer Comment (2020-12-14): Low LTV<br>Seller Comment (2020-12-13): Risk is mitigated with a low LTV loan below XX%. |  |  | 12/XX/2020 12:22:23 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713363 | XX | XX |  | 25483691 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The original note in file that was fully executed appears to be a fixed rate interest only loan for the entire [REDACTED] year term. |  |  |  | Reviewer Comment (2022-02-17): In TD<br>Seller Comment (2022-02-15): attached | 2/XX/2022 10:04:22 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713363 | XX | XX |  | 25483692 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2022-02-03): In TD | 02/03/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713442 | XX | XX |  | 25484001 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  |  |  | Reviewer Comment (2022-03-17): In TD | 3/XX/2022 3:08:27 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713442 | XX | XX |  | 25484002 |  |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED] points. | Excess reserves<br>High FICO | Originator,Aggregator,SitusAMC<br>SitusAMC,Originator,Aggregator | Reviewer Comment (2022-03-08): Waived / downgraded based on comp factors from [REDACTED]'s exception waiver list. Comp factors are: High FICO and excess reserves. |  |  | 03/08/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713442 | XX | XX |  | 25484004 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2022-03-11): In TD<br>Seller Comment (2022-03-11): Please, see attached binder | 3/XX/2022 9:06:48 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713442 | XX | XX |  | 25484005 |  |  | Credit | Credit | Credit Eligibility | Credit | Open tradelines is less than 3. | - ___ open Tradelines which is less than the minimum required by guidelines. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED] points. | Excess reserves<br>High FICO | Originator,Aggregator,SitusAMC<br>SitusAMC,Originator,Aggregator | Reviewer Comment (2022-03-08): Waived / downgraded based on comp factors from [REDACTED]'s exception waiver list. Comp factors are: High FICO and excess reserves. |  |  | 03/08/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713442 | XX | XX |  | 25484006 |  |  | Credit | Credit | Credit Eligibility | Credit | Active Tradelines is less than 3 | - ___ open Tradelines which is less than the minimum required by guidelines. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED] points. | Excess reserves<br>High FICO | Originator,Aggregator,SitusAMC<br>SitusAMC,Originator,Aggregator | Reviewer Comment (2022-03-08): Waived / downgraded based on comp factors from [REDACTED]'s exception waiver list. Comp factors are: High FICO and excess reserves. |  |  | 03/08/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713442 | XX | XX |  | 25484007 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing personal financial statement for the guarantor. |  |  |  | Reviewer Comment (2022-03-08): Provided in TD<br>Seller Comment (2022-03-08): Please, PFS attached. | 03/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713442 | XX | XX |  | 25484008 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED] points. | Excess reserves<br>High FICO | Originator,Aggregator,SitusAMC<br>SitusAMC,Originator,Aggregator | Reviewer Comment (2022-03-24): Waived and downgraded per [REDACTED].<br>Buyer Comment (2022-03-24): OK to waive based on high FICO and excess reserves<br>Reviewer Comment (2022-03-17): Moved to buyer queue for waiver/ downgrade consideration as this violation is not apparent on the [REDACTED] exception waiver list. Comp factors are FICO and reserves.<br>Seller Comment (2022-03-17): Attached letter stating no claims have been filed during that day |  |  | 3/XX/2022 4:22:09 PM | 2 |  | B |  | B |  | B |  | B |  | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713505 | XX | XX |  | 25484158 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2022-03-30): In TD<br>Seller Comment (2022-03-30): Attached | 3/XX/2022 9:44:07 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 217713505 | XX | XX |  | 25484160 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing personal financial statements for both guarantors. |  |  |  | Reviewer Comment (2022-04-19): In TD<br>Seller Comment (2022-04-19): Please, see attached<br>Reviewer Comment (2022-03-18): Names and dates are missing from the trailing docs<br>Seller Comment (2022-03-18): Find attached the Personal financial statement of the borrowers.<br>Please clear this exception | 4/XX/2022 1:46:26 PM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  |  | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 217713531 | XX | XX |  | 25484216 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  |  |  |  |  | Reviewer Comment (2022-03-21): Received OFAC document for (REDACTED). Exception cleared.<br>Seller Comment (2022-03-21): Please see attached for (REDACTED) | 3/XX/2022 3:46:14 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 217713531 | XX | XX |  | 25484217 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. |  |  |  |  |  | Reviewer Comment (2022-03-22): Received commercial Desk Review in trailing documents. Data and testing updated.<br>Seller Comment (2022-03-21): Please see attached. | 3/XX/2022 4:18:49 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 217713531 | XX | XX |  | 25484218 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC search results missing for the subject business entity: (REDACTED) |  |  |  | Reviewer Comment (2022-03-22): Received OFAC in trailing documents.<br>Seller Comment (2022-03-21): Please see attached. | 3/XX/2022 4:19:07 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 217713532 | XX | XX |  | 25484223 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Application not provided |  |  |  |  |  | Reviewer Comment (2022-03-21): Received Application document. Exception Cleared.<br>Seller Comment (2022-03-18): See attached (REDACTED) loan application. | 3/XX/2022 11:29:51 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 217713532 | XX | XX |  | 25484225 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | An executed Cash-Out Utilization letter (independent from the Business Purpose Certificate) was not provided in file as required. |  |  |  | Reviewer Comment (2022-03-22): Business Purpose Certificate provided is sufficient.<br>Seller Comment (2022-03-21): Per (REDACTED) counsel (REDACTED) the section X of the Business Purpose of Loan Certification is sufficient. Please refer to page XX of XXX - section X states "NO part of the proceeds of the Loan are intended to be used for a consumer purpose except as previously disclosed to Lender in writing". | 3/XX/2022 5:47:03 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 217713536 | XX | XX |  | 25484238 |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | A layered entity is found on the Note. The borrowing entity on Note is(REDACTED) signed and owned 100% by (REDACTED) , which is owned 100% by the Guarantor (REDACTED) |  |  |  | Reviewer Comment (2022-03-23): Client accepts.<br>Buyer Comment (2022-03-23): Ok to waive this grade X exception<br>Reviewer Comment (2022-03-22): Moved to Buyer's queue. Exception remains EVX, information. (REDACTED) to accept.<br>Seller Comment (2022-03-18): (REDACTED) acknowledges the layered ownership structure. This is a repeat customer for (REDACTED) and (REDACTED) has previously bought loans from this sponsor before. This sponsor also has excellent payment history. |  |  | 3/XX/2022 10:03:40 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713536 | XX | XX |  | 25484239 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC search results missing for the subject business entities: (REDACTED) and(REDACTED) and for the Guarantor (REDACTED) |  |  |  | Reviewer Comment (2022-03-21): Received OFAC document for (REDACTED) and(REDACTED) and for the Guarantor (REDACTED). Exception cleared.<br>Seller Comment (2022-03-18): See attached for (REDACTED).<br>Seller Comment (2022-03-18): See attached for (REDACTED) | 3/XX/2022 8:05:51 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713538 | XX | XX |  | 25484246 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2022-03-22): Received additional asset documentation from proceeds of other REO transaction. Data and testing updated.<br>Seller Comment (2022-03-21): Please see attached HUD from another loan for same borrower - there was $XXk cash-out on this loan. Combined with the bank account ending balance $X,XXX.XX, that leaves the borrower with $XX,XXX.XX total liquidity. | 3/XX/2022 4:57:24 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713538 | XX | XX |  | 25484248 |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | A layered entity is found on the Note. The borrowing entity on Note is(REDACTED) signed and owned 100% by (REDACTED) which is owned 100% by the Guarantor (REDACTED) . |  |  |  | Reviewer Comment (2022-03-23): Client elects to waive.<br>Buyer Comment (2022-03-23): Ok to waive this grade X exception<br>Reviewer Comment (2022-03-22): Exception remains EVX, information. (REDACTED) to accept.<br>Seller Comment (2022-03-18): (REDACTED) acknowledges the layered ownership structure. This is a repeat customer for (REDACTED) and (REDACTED) has previously bought loans from this sponsor before. This sponsor also has excellent payment history. |  |  | 3/XX/2022 10:05:25 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713538 | XX | XX |  | 25484249 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC search results missing for the subject business entities: (REDACTED) and(REDACTED) |  |  |  | Reviewer Comment (2022-03-21): Received OFAC document for all properties . Exception is celared.<br>Seller Comment (2022-03-18): See attached for(REDACTED) | 3/XX/2022 6:59:44 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713538 | XX | XX |  | 25484250 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  |  |  |  |  | Reviewer Comment (2022-03-21): Received OFAC document for (REDACTED). Exception is cleared.<br>Seller Comment (2022-03-18): See attached for (REDACTED) | 3/XX/2022 7:00:08 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713538 | XX | XX |  | 25484251 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2022-03-22): Received additional asset documentation from proceeds of other REO transaction. Data and testing updated.<br>Seller Comment (2022-03-18): See attached - PITIA is for X months. | 3/XX/2022 4:57:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713541 | XX | XX |  | 25484257 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2022-03-22): Received in trailing documents.<br>Seller Comment (2022-03-18): See attached. | 3/XX/2022 5:06:40 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 217713541 | XX | XX |  | 25484258 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | An executed Cash-Out Utilization letter (independent from the Business Purpose Certificate) was not provided in file as required. |  |  |  | Reviewer Comment (2022-03-22): Business Purpose Cert for utilization is sufficient.<br>Seller Comment (2022-03-21): Per (REDACTED) counsel (REDACTED) the section X of the Business Purpose of Loan Certification is sufficient. Please refer to page XX of XX - section X states "NO part of the proceeds of the Loan are intended to be used for a consumer purpose except as previously disclosed to Lender in writing". | 3/XX/2022 4:59:30 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 217713541 | XX | XX |  | 25484259 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2022-03-22): Received in trailing documents.<br>Seller Comment (2022-03-18): See attached guaranty | 3/XX/2022 5:06:45 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 217713541 | XX | XX |  | 25484261 |  |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided |  | Notary date not present, estimated consummation date used for testing purposes. |  |  |  | Reviewer Comment (2022-03-22): Fully executed Security Instrument received in trailing documents.<br>Seller Comment (2022-03-18): See attached signed pages.<br>Seller Comment (2022-03-18): See attached pages - notary pages to follow. | 3/XX/2022 5:10:10 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 217713541 | XX | XX |  | 25484262 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Application not provided |  |  |  |  |  | Reviewer Comment (2022-03-22): Received in trailing documents.<br>Seller Comment (2022-03-21): See attached.<br>Seller Comment (2022-03-21): See atttached.<br>Reviewer Comment (2022-03-21): Please provide the Credit Application, Exception remains.<br>Seller Comment (2022-03-18): See attached (REDACTED) loan application. | 3/XX/2022 5:06:54 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 217713541 | XX | XX |  | 25484263 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC search results missing for the subject business entity (REDACTED) and Guarantor (REDACTED) . |  |  |  | Reviewer Comment (2022-03-21): Received OFAC document hence exception cleared.<br>Seller Comment (2022-03-18): Please see attached (REDACTED)<br>Seller Comment (2022-03-18): See attached for (REDACTED) | 3/XX/2022 9:21:47 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 217713580 | XX | XX |  | 25484366 |  |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than [REDACTED] days prior to the note date. |  | Per guidelines, a Credit Report No Older than [REDACTED] Days is Required for New Borrowers. A Credit Report No Older than [REDACTED] days is Required for Existing Borrower with 0x30x12 Payment History for Roc Loans. Please provide an updated credit report or proof borrower is an existing customer AND proof of a 0x30x12 payment history with (REDACTED) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | FICO and reserves | SitusAMC,Aggregator | Reviewer Comment (2022-03-24): Waived and downgraded per (REDACTED).<br>Buyer Comment (2022-03-24): Ok to waive based on high FICO and excess reserves<br>Reviewer Comment (2022-03-23): Credit report is dated XX/XX/XX. Moved to buyer queue for waiver/ downgrade consideration as this violation is not apparent on the (REDACTED) exception waiver list. Comp factors are FICO and reserves. |  |  | 3/XX/2022 4:51:07 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713580 | XX | XX |  | 25484367 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Invalid MERS Min Number |  | The MERS MIn # as shown on the Security Instrument was found to be invalid via an automated search |  |  |  | Reviewer Comment (2022-04-22): Amendment in TD.<br>Seller Comment (2022-04-22): attached corrected doc | 4/XX/2022 3:26:44 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713580 | XX | XX |  | 25484368 |  |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Upon receipt of the Final Title [REDACTED] will review the title work to confirm if any subordinate financing exists. The Purchase Money HUD contains a second mortgage. A Partial Release Payoff statement is in the file for an Open End Mortgage. |  |  |  | Reviewer Comment (2022-03-28): Received Title Commitment, Exception Cleared.<br>Seller Comment (2022-03-24): Please, see title commitment | 3/XX/2022 7:52:47 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713580 | XX | XX |  | 25484369 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | The Hazard insurance Binder is missing from the file |  |  |  | Reviewer Comment (2022-03-28): Received Hazard Insurance Policy, Exception Cleared. | 3/XX/2022 7:53:23 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217713580 | XX | XX |  | 25484370 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2022-03-28): Received Hazard Insurance Policy, Exception Cleared.<br>Seller Comment (2022-03-24): Please, see attached | 3/XX/2022 7:53:12 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217905979 | XX | XX |  | 25713985 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | UCDP and or LCA are not in file. |  |  |  | Reviewer Comment (2022-04-12): Received FNMA UCDP report with score [REDACTED] less than [REDACTED] , no requirement of secondary valuation , Exception cleared<br>Buyer Comment (2022-04-12): see SSR 1.2 - score is [REDACTED] or less no additional review is required | 4/XX/2022 12:04:33 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 217905979 | XX | XX |  | 25713986 |  |  | Credit | Asset | Asset Documentation | Asset | Earnest Money Deposit is unsourced. Per guidelines EMD source is required. |  | Missing [REDACTED] Earnest Money Deposit source verification and escrow's depositn receipt |  |  |  | Reviewer Comment (2022-04-21): Per direction removed(REDACTED) EMD. Exception cleared<br>Buyer Comment (2022-04-20): please exclude these assets and clear the finding as borrower still has sufficient funds for closing and reserves<br>Reviewer Comment (2022-04-19): The guidelines require the source of funds, please provide the statement.<br>Buyer Comment (2022-04-15): Please escalate this finding - The "canceled check" processed through the borrowers account on (REDACTED)account is dated (REDACTED) per canceled check which was previously provided - additional documentation would be redundant as evidence was provided showing the check cleared the borrowers account simply subtract the EMD from the balance<br>Reviewer Comment (2022-04-15): EMD check reflects posted on (REDACTED). However Statement for account(REDACTED) provided ends on (REDACTED). Please provide additional statement reflecting EMD.<br>Buyer Comment (2022-04-13): the canceled check print out provided is drawn on borrower XX account (REDACTED); XX statement in the file reports transactions through (REDACTED), however the check went through the account on (REDACTED) the day after. Simply subtract EMD funds from the available balance of this account as borrower still has sufficient funds for closing and reserves<br>Reviewer Comment (2022-04-13): Please provide account statement for XX account (REDACTED) to source funds for EMD.<br>Buyer Comment (2022-04-12): see EMD canceled check from borrowers XX account (REDACTED) | 4/XX/2022 3:44:11 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 217905979 | XX | XX |  | 25713987 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing [REDACTED] Earnest Money Deposit source verification and escrow's depositn receipt |  |  |  | Reviewer Comment (2022-04-21): Per direction removed (REDACTED) EMD. Exception cleared<br>Buyer Comment (2022-04-20): please exclude these assets and clear the finding as borrower still has sufficient funds for closing and reserves<br>Reviewer Comment (2022-04-19): The guidelines require the source of funds, please provide the statement.<br>Buyer Comment (2022-04-15): \* Please escalate \* The "canceled check" processed through the borrowers account on (REDACTED), one day after the most recent statement, additional documentation would be redundant as we have documented the funds came from the borrowers account. Simply subtract the EMD from day prior balance<br>Reviewer Comment (2022-04-15): We required the statement showing the EMD coming out of the account , Exception remains.<br>Buyer Comment (2022-04-13): the canceled check print out provided is drawn on borrower XX account REDACTED); XX statement in the file reports transactions through REDACTED), however the check went through the account on REDACTED) the day after. Simply subtract EMD funds from the available balance of this account as borrower still has sufficient funds for closing and reserves<br>Reviewer Comment (2022-04-12): We already have Official check in file , we would required deposit receipt and source of funds that EMD came from , Exception remains.<br>Buyer Comment (2022-04-12): see EMD canceled check from borrowers XX account(REDACTED) | 4/XX/2022 3:44:20 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 217905979 | XX | XX |  | 25713988 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing verification Borrower's ownership percentage in Andrade Financial to support use of XX [REDACTED] XX buisness assets |  |  |  | Reviewer Comment (2022-04-15): As per confirmation considered Articles of Organization having full access to borrowers , Exception cleared.<br>Buyer Comment (2022-04-13): page 3 of the LLC docs reflect there are two Directors both of which are parties to the transaction, pages 9 gives directors full access to use company funds<br>Reviewer Comment (2022-04-12): Its not about the leases requirement , we required ownership % of borrowers in "XX to support use of XX (REDACTED) XX business assets , Exception remains.<br>Buyer Comment (2022-04-12): This is a purchase transaction - per guidelines subject property is not required to be leased at inception. If there is no lease in place the rent from the Rent Schedule is used to calculate income which is the case on this loan | 4/XX/2022 9:01:21 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 217905981 | XX | XX |  | 25714007 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing Evidence of access to funds for the business account ending [REDACTED], document is required and needs to be provided. |  |  |  | Reviewer Comment (2022-04-14): Cleared<br>Buyer Comment (2022-04-13): On page 3 of the Articles of Inc(previously provided) which reflect there are two directors both are party to the transaction; further, pages 9 and 10 of cited document reflect directors have the power to use funds for business purposes - no additional documentation should be required- please escalate<br>Reviewer Comment (2022-04-12): We required actual ownership % of borrowers in "(REDACTED) to support use of (REDACTED) (REDACTED) (REDACTED) business assets ,that does not show on given document , Exception remains.<br>Buyer Comment (2022-04-12): see Articles of Organization reflecting borrowers are directors on page 3, while pages 9 and 10 sections V 6 and V 7 give full operational control of business / access to funds | 4/XX/2022 4:26:54 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 217905981 | XX | XX |  | 25714008 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source of fund deposit for the EMD. |  |  |  | Reviewer Comment (2022-04-22): EMD has been removed , Exception cleared.<br>Buyer Comment (2022-04-21): please remove EMD from assets as borrower has sufficient funds for closing and reserves if we exclude<br>Reviewer Comment (2022-04-21): As EMD cannot be sourced please indicate if if EMD is to be removed from assets.<br>Buyer Comment (2022-04-20): borrower has sufficient funds excluding for closing and reserves excluding (REDACTED)-please clear<br>Buyer Comment (2022-04-20): -<br>Reviewer Comment (2022-04-19): Per guides evidence of EMD coming out needs to be provided.<br>Buyer Comment (2022-04-15): Please escalate this finding as the borrower has sufficient to cover the canceled check confirming funds came from XX account (REDACTED) which has already been provided - additional documentation is not required a would be redundant<br>Reviewer Comment (2022-04-14): provide the statement showing the EMD coming out of the account.<br>Buyer Comment (2022-04-13): the canceled check print out provided is drawn on borrower XX account(REDACTED); XX statement in the file reports transactions through(REDACTED), however the check went through the account on (REDACTED) the day after. Simply subtract EMD funds from the available balance of this account as borrower still has sufficient funds for closing and reserves<br>Reviewer Comment (2022-04-12): We already have Official check in file , we required source of funds that EMD came from (Bank statement), Exception remains.<br>Buyer Comment (2022-04-12): see EMD canceled check written on borrower's XX account (REDACTED) | 4/XX/2022 11:32:13 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 217905981 | XX | XX |  | 25714009 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | A lease agreement is not provided in the loan file. |  |  |  | Reviewer Comment (2022-04-14): cleared<br>Buyer Comment (2022-04-13): Please provide what section of the contract reflects the transaction is subject to tenancy. Guidelines specifically cite that a lease is not required unless the "subject property is being sold subject to tenancy" see highlighted section of page 86 of the (REDACTED)[REDACTED] Guidelines<br>Reviewer Comment (2022-04-12): Appraisal shows occupancy as Tenant & Rents Rider reflects lease was transferred to Borrower, Please provide copy of current lease, Exception remains.<br>Buyer Comment (2022-04-12): This is a purchase transaction - per guidelines subject property is not required to be leased at inception. If there is no lease in place the rent from the Rent Schedule is used to calculate income which is the case on this loan | 4/XX/2022 4:25:13 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 217905985 | XX | XX |  | 25714033 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-04-15): Received approval document , Exception cleared.<br>Buyer Comment (2022-04-14): Uploaded the 1008 and loan approval that agree on the income. Please clear<br>Buyer Comment (2022-04-14): Loan Approva;<br>Buyer Comment (2022-04-14): 1008<br>Reviewer Comment (2022-04-14): Borrower income on Approval document do not match 1008. Exception Remains.<br>Buyer Comment (2022-04-13): Uploaded Loan Approval<br>Buyer Comment (2022-04-13): Loan Approval | 4/XX/2022 10:56:24 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217905985 | XX | XX |  | 25714036 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | [REDACTED] loan amount of ___ is less than [REDACTED] minimum loan amount of ___. | [REDACTED] loan amount is less than [REDACTED] minimum required. Lender's Exception Approval is in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | [REDACTED]months > [REDACTED]months<br>The DSCR of [REDACTED] greater than the minimum required DSCR of [REDACTED] | SitusAMC<br>Originator | Reviewer Comment (2022-04-12): Lender granted exception approval in loan file.<br>Reviewer Comment (2022-04-11): Lender exception approval in file with compensating factors. |  |  | 4/XX/2022 5:56:28 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 217905995 | XX | XX |  | 25714080 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to policy: Allow no primary housing history due to borrower living rent free with his fiancee for over [REDACTED] (borrower is on title with mortgage solely in fiancee's name). Lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED] points. | Comp factors used to waive exception. | SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-04-13): Comp factors used to waive exception. |  |  | 4/XX/2022 4:26:13 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 217906005 | XX | XX |  | 25714122 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing. |  |  |  | Reviewer Comment (2022-04-28): Received Certificate of Good Standing , Exception cleared.<br>Buyer Comment (2022-04-27): Cert of Good Standing<br>Buyer Comment (2022-04-27): Cert of Good Standing & Articles | 4/XX/2022 2:24:09 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 217906005 | XX | XX |  | 25714123 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification is missing. |  |  |  | Reviewer Comment (2022-04-29): Cleared<br>Buyer Comment (2022-04-29): uploaded ID Verifications | 4/XX/2022 2:23:25 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 217906005 | XX | XX |  | 25714124 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | No Lease agreement in place. |  |  |  | Reviewer Comment (2022-04-29): Cleared<br>Buyer Comment (2022-04-27): Property is Vacant - Investment Purchase; Lease not required and Market Rents are Acceptable. | 4/XX/2022 1:11:01 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018501 | XX | XX |  | 25846507 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | [REDACTED] |  |  |  | Reviewer Comment (2022-04-11): Corporate Resolution not required as all the Members of this business are on the Note. Exception Cleared<br>Buyer Comment (2022-04-08): Operation agreement uploaded | 4/XX/2022 9:34:57 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018501 | XX | XX |  | 25846508 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  |  |  | Reviewer Comment (2022-04-15): 1007 rent comparable is acceptable on purchase transaction which is already present , Exception cleared.<br>Buyer Comment (2022-04-14): We do not require leases for purchase transactions.<br>Reviewer Comment (2022-04-13): 1004 indicates occupancy as tenant occupied , we would required lease agreement, Exception remains.<br>Buyer Comment (2022-04-12): Appraisal uploaded<br>Reviewer Comment (2022-04-12): 1004 indicates property is tenant occupied refinance. Loan documentation reflects loan purpose is a purchase. Please provide corrected 1004 reflecting correct assignment type.<br>Buyer Comment (2022-04-08): Please provide clarification why this is required? | 4/XX/2022 2:01:04 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018501 | XX | XX |  | 25846509 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2022-04-19): Updated 1003 and transaction history provided. Exception cleared.<br>Buyer Comment (2022-04-19): Complete transaction history<br>Buyer Comment (2022-04-18): Between (Redacted) - (Redacted) there was minimal activity. Per the (REDACTED)through (REDACTED), the ending balance was(REDACTED) As of (REDACTED), the balance starts at (REDACTED). The only large deposit was on(REDACTED) and that has been documented.<br>Buyer Comment (2022-04-18): 1003 for B2 and B3<br>Buyer Comment (2022-04-18): 1003 for borrower<br>Reviewer Comment (2022-04-15): Documentation reflecting ownership interest for (Redacted) provided. Missing account activity for (REDACTED) from(REDACTED) through (REDACTED). Additionally please provide revised (Redacted)reflecting all asset accounts used for assets.<br>Buyer Comment (2022-04-14): Ownership interest uploaded<br>Reviewer Comment (2022-04-14): Unable to determine Borrowers ownership interest in account (REDACTED) as business account for (Redacted). Please provide business documentation for ownership interest. Additionally account statement provided does not cover (Redacted)consecutive months.<br>Buyer Comment (2022-04-12): Source of funds uploaded<br>Reviewer Comment (2022-04-12): Please provide source of (REDACTED) deposit into account on (REDACTED)<br>Buyer Comment (2022-04-08): The XX (REDACTED) statement uploaded. | 4/XX/2022 3:21:24 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018501 | XX | XX |  | 25846511 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Exception to policy: Allow no primary housing history due to borrower 2 [REDACTED] living rent-free with her mother for the past [REDACTED]. Lender exception approval in loan file; however, the terms of approval do not match how the loan closed. Provide updated lender exception approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [ Redacted ] months. | SitusAMC,Originator | Reviewer Comment (2022-04-15): Lender exception with comp factors.<br>Buyer Comment (2022-04-14): Updated exception<br>Reviewer Comment (2022-04-12): Housing affidavit does not clear exception. Lender exception in loan file is not materially correct and does not reflect correct loan amount. Please provide corrected Lender exception matching how loan closed.<br>Buyer Comment (2022-04-08): Housing affidavit |  |  | 4/XX/2022 3:36:59 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018501 | XX | XX |  | 25846512 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to policy: allow private party VOR and copy of lease to document Borrower 3 [REDACTED] primary rental payment history ([REDACTED] - present) due to paying monthly rent in cash. Lender exception approval in loan file; however, the terms of approval do not match how the loan closed. Provide updated lender exception approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [ Redacted ] months. | SitusAMC,Originator | Reviewer Comment (2022-04-15): Lender exception with comp factors.<br>Buyer Comment (2022-04-14): Updated exception<br>Reviewer Comment (2022-04-12): Housing affidavit does not clear exception. Lender exception in loan file is not materially correct and does not reflect correct loan amount. Please provide corrected Lender exception matching how loan closed.<br>Buyer Comment (2022-04-08): DSCR<br>Buyer Comment (2022-04-08): Housing affidavit uploaded<br>Buyer Comment (2022-04-08): DSCR uploaded |  |  | 4/XX/2022 3:37:26 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018527 | XX | XX |  | 25846627 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing Approval. |  |  |  | Reviewer Comment (2022-04-28): Cleared.<br>Buyer Comment (2022-04-27): uploaded 1008 & Approval | 4/XX/2022 11:18:33 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018527 | XX | XX |  | 25846629 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Missing spousal consent or an accurate deed or warranty signed by the borrower's spouse. |  |  |  | Reviewer Comment (2022-05-10): Cleared<br>Reviewer Comment (2022-05-03): Still required deed from spouse relinquishing rights or a spousal consent, Exception remains.<br>Buyer Comment (2022-05-02): Please See both Deeds uploaded. Spouse Deeded to Husband & current Deed shows as his sole & Sep Property. Spousal consent not required.<br>Reviewer Comment (2022-04-28): Arizona is a community property state and all properties acquired by either spouse is considered to be held jointly owned. Please provide Spousal Consent or Deed from spouse relinquishing rights.<br>Buyer Comment (2022-04-27): uploaded Warranty Deed - Conveyed as Sole & Separate Property | 5/XX/2022 3:16:05 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018527 | XX | XX |  | 25846630 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | The DSCR is above guideline allowable maximum due to the property taxes, the property taxes disclosed on the Tax worksheet, closing statement and UW worksheet does not align, an accurate tax certificate is required and needs to be provided for an update to be made. |  |  |  | Reviewer Comment (2022-05-12): cleared<br>Buyer Comment (2022-05-12): Uploaded itemized fees<br>Reviewer Comment (2022-05-12): do you have a corrected settlement statement?<br>Buyer Comment (2022-05-12): Uploaded corrected IEADS reflecting the correct property taxes. the DSCR ratio is still within guidelines. The taxes are (REDACTED)annually.<br>Buyer Comment (2022-05-12): Uploaded corrected IEADS reflecting the correct property taxes. the DSCR ratio is still within guidelines. The taxes are $(REDACTED) annually.<br>Reviewer Comment (2022-05-10): Exception Explanation Updated from: Calculated Debt Service Coverage Ratio (Subject DSCR) of(REDACTED) does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) (REDACTED).<br>Reviewer Comment (2022-05-05): Please note, Closing Statement reflects County property taxes for (Readcted)months @ (Redacted) which corresponds to monthly amount that is reflected on the IEADS (REDACTED) semi annually =(REDACTED) monthly.<br>Buyer Comment (2022-05-04): Please review again & clear. The (REDACTED)referenced is the "Aggregate Adjustment" and not the monthly premium.<br>Reviewer Comment (2022-04-28): Closing Statement reflects monthly taxes as(REDACTED) . UW Worksheet reflects (REDACTED).<br>Buyer Comment (2022-04-27): Uploaded - updated DSCR Calc(REDACTED) & Supporting Tax Cert & HAZ<br>Buyer Comment (2022-04-27): Uploaded - updated DSCR Calc (REDACTED) & Supporting Tax Cert & HAZ | 5/XX/2022 1:30:45 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018528 | XX | XX |  | 25846631 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | [REDACTED] |  |  |  | Reviewer Comment (2022-04-28): Considered Operating agreement as this is single member LLC , Exception cleared.<br>Buyer Comment (2022-04-27): The LLC Documents and the (readcted) Legal Team approval are attached for your review. | 4/XX/2022 2:58:12 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018528 | XX | XX |  | 25846632 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | [REDACTED] |  |  |  | Reviewer Comment (2022-04-28): Received Certificate of Good Standing , Exception cleared.<br>Buyer Comment (2022-04-27): The Certificate of Good Standing is attached for your review. | 4/XX/2022 2:55:15 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018528 | XX | XX |  | 25846633 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | [REDACTED] |  |  |  | Reviewer Comment (2022-04-28): Considered Operating agreement as this is single member LLC , Also Corporate resolution not required on LLC files ,Exception cleared.<br>Buyer Comment (2022-04-27): The LLC Documents and the (Redacted)Legal Team approval are attached for your review. | 4/XX/2022 2:58:37 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018528 | XX | XX |  | 25846634 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Missing Lease Agreement. Per letter of explanation dated [REDACTED], monthly rent is [REDACTED] per month. Subject apprasied tenant occupied for refinance loan transaction. |  |  |  | Reviewer Comment (2022-04-29): Cleared<br>Buyer Comment (2022-04-27): The lease and evidence of (REDACTED) months rental payments received are attached for your review. | 4/XX/2022 1:51:37 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018528 | XX | XX |  | 25846636 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Housing hisgtory is not verified. [REDACTED] owned primary is not documented as owned free and clear. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [REDACTED]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | Comp factors used to waive exception | SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-05-09): Comp factors sued to waive exception<br>Buyer Comment (2022-05-05): The Borrower's Spouse is the only one on the mortgage for the primary residence. Please see attached Exception Approval for the Borrower living rent free. |  |  | 05/09/2022 | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018533 | XX | XX |  | 25846649 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing the 1008 and the Approval used to qualify for the SP I10 program. The 1008 in file has an incorrect interest rate. |  |  |  | Reviewer Comment (2022-05-03): Received Approval , exception cleared.<br>Buyer Comment (2022-04-29): Approval and correct 1008 uploaded for your review. | 05/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018533 | XX | XX |  | 25846650 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2022-05-03): Received Hazard Insurance Policy for subject property , Exception cleared.<br>Buyer Comment (2022-04-29): HOI uploaded for your review. | 05/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018534 | XX | XX |  | 25846657 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-05-02): Received approval document , Exception cleared.<br>Buyer Comment (2022-04-29): Uploaded final 1008 and loan approval where income matches<br>Buyer Comment (2022-04-29): Loan approval<br>Buyer Comment (2022-04-29): Final 1008<br>Reviewer Comment (2022-04-29): Borrower Income not given on approval document compare to 1008, Exception remains.<br>Buyer Comment (2022-04-28): Uploaded the loan approval.<br>Buyer Comment (2022-04-28): Loan Approval | 05/02/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018534 | XX | XX |  | 25846658 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2022-05-02): Received Articles of Organization/Formation , Exception cleared.<br>Buyer Comment (2022-04-29): Re uploaded Certificate of Organization.<br>Buyer Comment (2022-04-29): Certificate of organization<br>Reviewer Comment (2022-04-29): We would required Articles of Organization/Formation not Certificate of good standing , Exception remains.<br>Buyer Comment (2022-04-28): Uploaded Certificate of Organization, Certificate of Good Standing<br>Buyer Comment (2022-04-28): Certificate o0f Good Standing<br>Buyer Comment (2022-04-28): Certificate of Organization | 05/02/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018534 | XX | XX |  | 25846659 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2022-04-29): A corporate Resolution is not required for an LLC , considered Operating agreement , Exception cleared.<br>Buyer Comment (2022-04-28): Uploaded the LLC Operating agreement. A corporate Resolution is not required for an LLC, that document is required for a corporation only.<br>Buyer Comment (2022-04-28): Operating Agreement | 4/XX/2022 12:59:20 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018543 | XX | XX |  | 25846690 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-05-02): Received approval document , Exception cleared.<br>Buyer Comment (2022-04-29): CTC | 05/02/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | C | A |  | N/A | No |
| 218018543 | XX | XX |  | 25846692 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Allow no primary housing payment history for Borrower due to having lived rent free with his sister-in-law from [REDACTED] through [REDACTED] at which point Borrower then purchased his primary residence,[REDACTED], [REDACTED] (current mortgage payment history shows 0 x 30 x [REDACTED] months). vs Borrowers without mortgage or rental housing history including borrowers living rent free are not eligible but will be considered on an exception basis. Lender's Exception Approval is in file however approval does not reflect how loan closed missing updated exception matching how loan closed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | [REDACTED]months > [REDACTED] months | SitusAMC,Originator | Reviewer Comment (2022-05-10): Compensating Factors used to waive Exception.<br>Buyer Comment (2022-05-06): Exception Revision for review |  |  | 5/XX/2022 11:10:35 AM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | C | A |  | N/A | No |
| 218018543 | XX | XX |  | 25846693 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | The Freddie Mac UCDP did not return an LCA Score. Missing secondary valuation. |  |  |  | Reviewer Comment (2022-05-10): Received CDA , Exception cleared.<br>Buyer Comment (2022-05-06): CDA for review | 5/XX/2022 8:25:54 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | C | A |  | N/A | No |
| 218018547 | XX | XX |  | 25846721 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-05-02): Received approval document , Exception cleared.<br>Buyer Comment (2022-04-29): Approval uploaded | 05/02/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018547 | XX | XX |  | 25846722 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2022-05-03): Received Business Purpose Certificate , Exception cleared.<br>Buyer Comment (2022-05-02): Business cert uploaded | 05/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018547 | XX | XX |  | 25846723 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is unable to document all three units' rents (unit 1 at [REDACTED] /month, unit 2 at [REDACTED] /month and unit 3 at [REDACTED] month = [REDACTED] /month rents for subject) as all of the tenants pay rent via cash. The Borrower deposits the cash rents as one lump sum with other deposits. Allow rental income for qualification documented by a lease for each of the 3 units, [REDACTED] months bank statements showing non-matching deposit amounts into Borrower's [REDACTED] account ending [REDACTED] and a letter of explanation vs. program requirement that Lender must verify rental income documented with a lease by including, in the mortgage file, Borrower bank statements which show either (1) [REDACTED] months of rent receipts or (2) for a new lease, receipt and deposit of the security deposit and first month's rent. Market rents for the subject units are as follows: unit 1 - [REDACTED], unit 2 - [REDACTED], unit 3 - [REDACTED] = [REDACTED] which is being used to qualify). Lender's Exception Approval is in file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [REDACTED]. | compensating factors used to waive exception. | SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2022-04-28): Lender granted exception approval in loan file.<br>Reviewer Comment (2022-04-28): Compensating factors used to waive exception |  |  | 4/XX/2022 5:33:17 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018547 | XX | XX |  | 25846725 |  |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | Appraiser marked yes for being listed for sale in the twelve months prior to the effective date of this appraisal; however, then made a comment that states subject property has not been listed on mls in the twelve months prior to effective date. Subject that secure refinance loan was last purchased [REDACTED] |  |  |  | Reviewer Comment (2022-05-04): Cleared<br>Buyer Comment (2022-05-03): Updated appraisal uploaded | 05/04/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018547 | XX | XX |  | 25846726 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject transaction is a cash out refinance. Neither report gave a score, which would require approval from [REDACTED]'s appraisal review department. |  |  |  | Reviewer Comment (2022-05-04): Cleared.<br>Buyer Comment (2022-05-02): Appraisal approval uploaded | 05/04/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018552 | XX | XX |  | 25846746 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | 1008 indicates there is an approved Lender Exception for borrower having no primary housing expense. Missing Lender Exception. | The representative FICO score exceeds the guideline minimum by at least [REDACTED] points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [REDACTED]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>Borrower has owned the subject property for at least [REDACTED] years.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Comp factors used to waive exception | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2022-05-06): Comp factors used to waive exception<br>Buyer Comment (2022-05-04): Uploaded Exception Approval |  |  | 05/06/2022 | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018554 | XX | XX |  | 25846756 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-05-11): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-05-10): Approval | 5/XX/2022 1:19:42 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018554 | XX | XX |  | 25846757 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2022-05-11): Received Flood Insurance Policy, doc associated & system updated. Exception Cleared<br>Buyer Comment (2022-05-10): Flood policy attached<br>Buyer Comment (2022-05-10): See the attached Flood Cert | 5/XX/2022 1:24:49 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018554 | XX | XX |  | 25846758 |  |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | 1003 to reflect Borrower's current primary address as [REDACTED] |  |  |  | Reviewer Comment (2022-05-13): Received 1003 with corrected current address , Exception cleared.<br>Buyer Comment (2022-05-12): Revised 1003<br>Reviewer Comment (2022-05-11): the 1003 has not been corrected as requested<br>Buyer Comment (2022-05-10): Revised 1003 | 5/XX/2022 1:26:19 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018554 | XX | XX |  | 25846759 |  |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | [REDACTED] |  |  |  | Reviewer Comment (2022-05-16): Cleared.<br>Buyer Comment (2022-05-12): Revised 1003<br>Reviewer Comment (2022-05-11): the 1003 has not been corrected as requested<br>Buyer Comment (2022-05-10): See attached 1003 | 5/XX/2022 3:56:16 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018554 | XX | XX |  | 25846762 |  |  | Credit | Guideline | Guideline Issue | Guideline | The Borrower's minimum contribution was not met, per guidelines. | LTV: ___; <br> Purpose: ___; <br> Percent of Borrower's Contribution: ___ | Allow 5%[REDACTED] buyer contributions towards closing costs vs program requirement from their own funds for investment properties. Note: The earnest money deposit of [REDACTED]has been wired to title and Borrower is brining additional [REDACTED] towards the required buyer's contribution. Borrower lives in [REDACTED] where, due to anti-money laundering laws, it is difficult to send large amounts money to the United States. The Borrower's son, who lives in the United States, will be gifting the Borrower the reminding funds needed to close. Lender's Exception Approval is in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | [REDACTED] > [REDACTED] | SitusAMC,Originator | Reviewer Comment (2022-04-29): Compensating factor used to waive exception |  |  | 4/XX/2022 5:12:40 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018554 | XX | XX |  | 25846763 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue: Insufficient asset documentation. |  | Lender to provided certified translation of Borrower's XX bank account statements [REDACTED] provided as source of [REDACTED] earnest money down payment funds provided to settlement agent in [REDACTED] and [REDACTED] USD increments |  |  |  | Reviewer Comment (2022-05-19): Cleared<br>Buyer Comment (2022-05-19): Please see certified translation of the bank statements uploaded for your review. | 5/XX/2022 2:31:53 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018557 | XX | XX |  | 25846767 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-05-05): Received Approval , exception cleared.<br>Buyer Comment (2022-05-04): SEE APPROVAL | 05/05/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018557 | XX | XX |  | 25846769 |  |  | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Policy expires within [REDACTED] days of the Note Date or is already expired. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | [REDACTED]months @ [REDACTED] hazard insurane reserves collected at closing. |  |  |  | Reviewer Comment (2022-05-09): Cleared<br>Buyer Comment (2022-05-05): renewal/effective date of renewed policy is more than (Redacted)days after closing, changes aren't required and the adjustments would be made during servicing and annual escrow analysis is completed.<br>Reviewer Comment (2022-05-05): Insurance renewal reflects a higher premium than what was reflected on Closing Statement or IEADS.<br>Buyer Comment (2022-05-04): SEE RENEWED POLICY<br>Buyer Comment (2022-05-04): loan is impounded and will renew prior to expiration. | 05/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018565 | XX | XX |  | 25846810 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | Missing flood insurance policy. |  |  |  | Reviewer Comment (2022-05-10): Received Flood Insurance, doc associated & system updated. Exception Cleared<br>Buyer Comment (2022-05-09): See uploaded Flood Policy. | 5/XX/2022 12:12:54 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | C | A |  | N/A | No |
| 218018565 | XX | XX |  | 25846811 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing certificate of good standing. |  |  |  | Reviewer Comment (2022-05-10): Received Certificate of Good Standing, doc associated. Exception Cleared<br>Buyer Comment (2022-05-09): Uploaded certification of good stancding. | 5/XX/2022 12:15:31 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | C | A |  | N/A | No |
| 218018565 | XX | XX |  | 25846813 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal is marked as subject to completion and there is no 442 image in file, document is required and needs to be provided. |  |  |  | Reviewer Comment (2022-05-10): Received Form (Redacted)showing all repairs completed, doc associated & system updated. Exception Cleared<br>Buyer Comment (2022-05-09): Uploaded document. | 5/XX/2022 12:26:25 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | C | A |  | N/A | No |
| 218018565 | XX | XX |  | 25846814 |  |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2022-05-11): Cleared<br>Buyer Comment (2022-05-10): Please clarify the issues you need addressed. The [REDACTED] underwriter reviewed this report and signed off on it. Thank you. | 5/XX/2022 3:43:48 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | C | A |  | N/A | No |
| 218018568 | XX | XX |  | 25846822 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Housing history is required and per guidelines if the borrower's home is owned free/clear, housing history is to be documented via a pay history for the taxes and insurance. |  |  |  | Reviewer Comment (2022-05-24): Property History to verify taxes and LOE provided. Exception created.<br>Buyer Comment (2022-05-20): See uploaded aerial view of the primary residence. There are buildings on the property. Please take another look at the LOE as is says "The property is free and clear with no mortgages or liens against the property OR ANY IMPROVEMENTS located on the property. It is not saying there are no improvements. Please clear finding.<br>Buyer Comment (2022-05-20): See uploaded aerial view of the primary residence. Please take another look at the LOE as is says "The property is free and clear with no mortgages or liens against the property OR ANY IMPROVEMENTS located on the property. It is not saying there are no improvements. Please clear finding.<br>Reviewer Comment (2022-05-18): The LOX provided by the borrowers indicates there are [REDACTED] located at the address indicated to be the [REDACTED] residence. This does not make sense since they indicate they have lived at this address for [REDACTED] Clarification of where they live and evidence of payment of taxes and insurance still required. Condition remains open.<br>Buyer Comment (2022-05-17): See uploaded proof of paid taxes and Letter of Explanation regarding no HOI policy. | 5/XX/2022 8:15:36 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018572 | XX | XX |  | 25846835 |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Missing flood certificate. |  |  |  | Reviewer Comment (2022-05-11): Received Flood Certificate, doc associated & system updated. Exception Cleared<br>Buyer Comment (2022-05-10): see flood cert | 5/XX/2022 10:20:42 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018572 | XX | XX |  | 25846836 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Hazard insurance mailing address is the same as the subject investment property address thus casting doubt on the business purpose of loan. |  |  |  | Reviewer Comment (2022-05-11): Cleared<br>Buyer Comment (2022-05-10): see Affidavit of Occupancy reflecting business purposes - not material | 5/XX/2022 2:48:46 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018573 | XX | XX |  | 25846831 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing Approval. |  |  |  | Reviewer Comment (2022-05-10): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-05-10): 1008 and Approval<br>Buyer Comment (2022-05-09): 1008 and Approval | 5/XX/2022 11:29:01 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018584 | XX | XX |  | 25846863 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow no primary housing history due to borrower living rent free with his non-borrowing spouse (mortgage solely in the spouse's name, 12 months pay history provided.) for over 3 years. Lender granted exception in file. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [REDACTED].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>Borrower has owned the subject property for at least [REDACTED] years.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED] points. | Comp factor used to waive exception. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-05-11): Compensating Factors used to waive Exception. |  |  | 5/XX/2022 10:28:33 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018584 | XX | XX |  | 25846864 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Allow no primary housing history due to borrower living rent free with his non-borrowing spouse (mortgage solely in the spouse's name, 12 months pay history provided.) for over 3 years. Lender granted exception in file. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [REDACTED].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>Borrower has owned the subject property for at least [REDACTED] years.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED] points. | Comp factor used to waive exception. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-05-11): Compensating Factors used to waive Exception. |  |  | 5/XX/2022 10:28:49 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018584 | XX | XX |  | 25846865 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing approval. |  |  |  | Reviewer Comment (2022-05-13): Received Approval , Exception cleared.<br>Buyer Comment (2022-05-12): The Conditional Loan Approval and the 1008 are attached for your review. | 5/XX/2022 11:34:42 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018587 | XX | XX |  | 25846881 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor concentration is [REDACTED]% ([REDACTED] of [REDACTED] units). Lender granted exception file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED] points. | The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-05-09): Lender exception with comp factors. |  |  | 05/09/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218018587 | XX | XX |  | 25846882 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow project with current litigation, there are [REDACTED] litigations, [REDACTED] of which are minor matters and covenant disputes, [REDACTED] of which make the project ineligible for conventional lending, as follows:<br> [REDACTED], who were joint employers of the plaintiff (Plaintiff was employed from [REDACTED] as a groundskeeper), is a discrimination lawsuit alleging hostile work environment, and retaliation in violation of the Florida Civil Rights Act, specifically mistreatment and harassment due to gender/sexual orientation preferences. A judgement against the HOA would not be covered by insurance. Lender granted exception in file. Aria on the [REDACTED] is a construction defect case. Defect include, but are not limited to, waterproofing failure at the pool deck, failure at the pool deck, failure to seal post-tension anchor pockets, existing corrosion found at the site of exposed metals that are used to reinforce the concrete, missing fire resistive materials in several areas, in unit AC closets connected to units, and elevator utility rooms. According to the HOA, project has already repaired the immediate life safety concerns and determined by building inspectors, which is balcony railing repair to prevent further delamination. Construction defect litigation is very common for new project and attorneys view them as necessary processes to ensure the future viability of the project. These litigations typically end with a favorable settlement, funds for repairs, or developer makes necessary repairs. Lender granted exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED] points. | The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-05-09): Lender exception with comp factors. |  |  | 05/09/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218018587 | XX | XX |  | 25846884 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | Loan is to be securitize, and missing secondary valuation. |  |  |  | Reviewer Comment (2022-05-20): Received CDA, Exception cleared.<br>Buyer Comment (2022-05-19): CDA<br>Reviewer Comment (2022-05-12): Per Insuring update: the Ratings Agency requires both scores (when both are provided) to meet the [ Redacted ]requirement for the CDA, and in this case one of the Scores provided is over the [ Redacted ], therefore the CDA is required.<br>Buyer Comment (2022-05-11): Please be advised the Secondary Valuation requirement, Section 12.12, has been satisfied if EITHER FNMA OR FHLMC risk score is less than or equal to [REDACTED]. The FHLMC SSR risk score is [REDACTED]. In addition, if NEITHER FNMA NOR FHLMC risk score is greater then [REDACTED] the appraisal must be reviewed thru a CDA. The FNMA score is [REDACTED]. No secondary valuation or CDA is required for the subject loan. Uploaded, please see the SSR scores. | 5/XX/2022 12:26:35 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218018587 | XX | XX |  | 25846885 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing certificate of good standing. |  |  |  | Reviewer Comment (2022-05-12): Received Certificate of Good Standing, doc associated. Exception Cleared<br>Buyer Comment (2022-05-11): Certificate of Good Standing | 5/XX/2022 12:12:00 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218018587 | XX | XX |  | 25846886 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing UCDP |  |  |  | Reviewer Comment (2022-05-12): Received UCDP SSRs , doc associated & system updated. Exception Cleared<br>Buyer Comment (2022-05-11): UCDP uploaded under [REDACTED] Valuation Exception. | 5/XX/2022 12:11:40 PM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218018590 | XX | XX |  | 25846894 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Verification of housing pay history provided in file. |  |  |  | Reviewer Comment (2022-05-18): Mortgage Statement provided. The exception has been clerared.<br>Buyer Comment (2022-05-16): XX Statement | 5/XX/2022 12:46:15 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018590 | XX | XX |  | 25846896 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Missing [REDACTED] months of personal bank statements for the account ending in[REDACTED], additional consecutive statement is required. |  |  |  | Reviewer Comment (2022-05-18): As per Updated 1003 , account # [ Redacted ]is removed , Exception cleared.<br>Buyer Comment (2022-05-16): Removed account - not used | 5/XX/2022 8:59:25 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018594 | XX | XX |  | 25846902 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Lender exception approved: Borrower is unable to provide full 12-months housing history, current primary residence was purchased in [REDACTED], previously the borrower had been renting for [REDACTED] years with rent paid in cash. Landlord for the previous residence is unwilling to complete a VOR, a previous LOE from the landlord was provided stating the rental amount of [REDACTED] was consistently paid on time. Allow 5-months of previous rental history to be documented by Broker LOE, landlord previously written LOE and 5-months bank statements with inconsistent ATM withdrawals used for rent paid in cash for [REDACTED] thru [REDACTED] of: ([REDACTED] for [REDACTED], [REDACTED] for [REDACTED], [REDACTED] for [REDACTED], [REDACTED] for [REDACTED], & [REDACTED] for [REDACTED]) vs program requirement that for any rental debt obligation undisclosed on the borrower's credit report, alternative documentation showing the most recent 12 months payment activity up to and including the month prior to the Note date is required in the form of a Verification of Rent (VOR) from an institutional third party, cancelled checks, monthly bank statements or a transactional payment history directly from the server. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. |  | SitusAMC | Reviewer Comment (2022-05-12): Lender exception with comp factors. |  |  | 5/XX/2022 3:49:13 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018594 | XX | XX |  | 25846903 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to all use of assets from joint bank accounts [REDACTED] & [REDACTED] that the borrower was added onto as of[REDACTED] with his Non-Borrower Spouse towards borrower contribution from his own funds (all of borrower funds for closing & reserves are from the two joint XX accounts) vs program requirement that for investment properties, buyers must contribute a minimum of [REDACTED] from their own funds. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. |  | SitusAMC | Reviewer Comment (2022-05-12): Lender exception with comp factors. |  |  | 5/XX/2022 3:50:05 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018594 | XX | XX |  | 25846904 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved: Reserves are [REDACTED] vs program minimum requirement of[REACTED]). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. |  | SitusAMC | Reviewer Comment (2022-05-12): Lender exception with comp factors. |  |  | 5/XX/2022 3:50:37 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018594 | XX | XX |  | 25846907 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  |  |  |  |  | Reviewer Comment (2022-05-17): Received Closing Protection Letter , Exception cleared.<br>Buyer Comment (2022-05-16): CPL for review | 5/XX/2022 11:31:32 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018600 | XX | XX |  | 25846927 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Hazard Insurance Dec page does not reflect annual premium. |  |  |  | Reviewer Comment (2022-05-17): Received updated HOI info reflecting premium<br>Buyer Comment (2022-05-14): Uploaded HOI with premium. | 5/XX/2022 4:21:54 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018605 | XX | XX |  | 25846936 |  |  | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Policy expires within 60 days of the Note Date or is already expired. |  | Blanket Hazard Insurance Policy expired[REDACTED] . Missing recent policy/binder. |  |  |  | Reviewer Comment (2022-05-18): Cleared<br>Buyer Comment (2022-05-17): SEE CONDO MASTER POLICY EXPIRES (Redacted)/ INCLUDES (Redacted) MORTGAGE ISAOA<br>Reviewer Comment (2022-05-17): Exception is for the master condo policy being expired. please provide current master hazard policy.<br>Buyer Comment (2022-05-16): SEE HOI FOR SUBJECT, EXPIRATION (Redacted) | 5/XX/2022 9:35:04 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018605 | XX | XX |  | 25846937 |  |  | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Policy expires within 60 days of the Note Date or is already expired. |  | Blanket Hazard Insurance Policy expired [REDACTED] . Missing recent policy/binder. |  |  |  | Reviewer Comment (2022-05-18): Cleared<br>Buyer Comment (2022-05-17): SEE CONDO MASTER POLICY EXPIRES (Redacted) / INCLUDES (Redacted)MORTGAGE ISAOA<br>Reviewer Comment (2022-05-17): Exception is for the master condo policy being expired. please provide current master hazard policy.<br>Buyer Comment (2022-05-16): SEE HOI FOR SUBJECT, EXPIRATION (Redacted) | 5/XX/2022 9:35:13 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018605 | XX | XX |  | 25846938 |  |  | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Policy expires within 60 days of the Note Date or is already expired. |  | Duplicate exception. |  |  |  | Reviewer Comment (2022-05-18): Cleared<br>Buyer Comment (2022-05-17): SEE CONDO MASTER POLICY EXPIRES (Redacted)/ INCLUDES (Redacted) MORTGAGE ISAOA<br>Reviewer Comment (2022-05-17): Exception is for the master condo policy being expired. please provide current master hazard policy.<br>Buyer Comment (2022-05-16): SEE BORROWER UPDATED POLICY | 5/XX/2022 9:35:21 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018605 | XX | XX |  | 25846939 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | Blanket Hazard Insurance Policy expired[REDACTED] . Missing recent policy/binder. |  |  |  | Reviewer Comment (2022-05-18): Cleared<br>Buyer Comment (2022-05-17): SEE CONDO MASTER POLICY EXPIRES (Redacted) / INCLUDES (Redacted) MORTGAGE ISAOA<br>Reviewer Comment (2022-05-17): Exception is for the master condo policy being expired. please provide current master hazard policy.<br>Buyer Comment (2022-05-16): SEE UPDATED POLICY | 5/XX/2022 9:33:24 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018605 | XX | XX |  | 25846940 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | DSCR Calculator shows Hazard Insurance of[REDACTED] per month. Insurance Binder reflects[REDACTED] . |  |  |  | Reviewer Comment (2022-05-17): Cleared<br>Buyer Comment (2022-05-16): PLEASE REVIEW THE POLICY WHICH REFLECTS AN ANNUAL PREMIUM OF $[ Redacted ]AFTER DISCOUNTS. LOAN IS IMPOUNDED AND WOULD BE PAID IN FULL AT RENEWAL, ADDITIONAL SERVICE CHARGES WOULDN'T APPLY. ANNUAL = $[ Redacted ]/ (Redacted) = (Redacted)/MONTH | 5/XX/2022 12:57:09 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018605 | XX | XX |  | 25846941 |  |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2022-05-25): Cleared<br>Buyer Comment (2022-05-23): SEE UPDATED HOI / MORTGAGEE CLAUSE<br>Reviewer Comment (2022-05-18): This exception is for the walls in coverage not reflecting (Redacted).<br>Buyer Comment (2022-05-17): SEE CONDO MASTER POLICY EXPIRES [REDACTED] / INCLUDES (Redacted) | 5/XX/2022 7:50:09 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018608 | XX | XX |  | 25846944 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrowers owns and rents out [REDACTED] investment properties (including the subject) and often collects rent in cash or money orders and deposits them in lump sums into 2 different accounts. Allow actual rent of [REDACTED] per month to be documented with copy of lease agreement and 3 months bank statements showing inconsistent deposits which are unable to match up the lease amount (Market rent is [REDACTED] per month which is being used to qualify). Lender Approved exception. | The representative FICO score exceeds the guideline minimum by at least [REDACTED] points. | LTV is [REDACTED]<br> Credit score is [REDACTED]<br> Reserves are [REDACTED]months<br> DSC is [REDACTED]Borrower has been self-employed as a Real Estate Investor for the past [REDACTED] years<br> Borrower has [REDACTED] open and [REDACTED] closed mortgages on credit report x since inceptions - Borrower also has [REDACTED] open private mortgages with payment histories forthcoming<br> No public records and late no late payments since [REDACTED] | SitusAMC,Originator | Reviewer Comment (2022-05-16): Lender exception with comp factors. |  |  | 5/XX/2022 11:18:47 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018608 | XX | XX |  | 25846946 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Financial Institution: Truist // Account Type: Funds from Business Account / Account Number: [REDACTED] : Account Months Verified is less than [REDACTED] months. |  |  |  | Reviewer Comment (2022-05-25): Cleared<br>Buyer Comment (2022-05-23): Received & uploaded (Redacted) Statement- | 5/XX/2022 9:45:31 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018608 | XX | XX |  | 25846947 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Hazard policy does not reflect [REDACTED] as 1st interest type. |  |  |  | Reviewer Comment (2022-05-19): Cleared<br>Buyer Comment (2022-05-18): uploaded email & Dec page updates for HAZ | 5/XX/2022 10:02:18 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218018609 | XX | XX |  | 25846949 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing certificate of good standing |  |  |  | Reviewer Comment (2022-05-20): Cleared<br>Buyer Comment (2022-05-20): Cert of Fact uploaded | 5/XX/2022 2:09:58 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218018609 | XX | XX |  | 25846950 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | History provided for B1. However, Final [REDACTED] reflects B2 lives rent free which is not allowed per guides. |  |  |  | Reviewer Comment (2022-05-20): Cleared<br>Buyer Comment (2022-05-18): Please see sales guide 23.4.1 t. Borrowers without mortgage or rental housing history including borrowers living rent free are not eligible but will be considered<br> on an exception basis. The co-borrower does have mortgage history | 5/XX/2022 2:08:30 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071259 | XX | XX |  | 25966687 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  |  | 5/XX/2022 11:41:07 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218071259 | XX | XX |  | 25966688 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  |  | 5/XX/2022 11:42:44 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218071259 | XX | XX |  | 25966690 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  |  | 5/XX/2022 3:38:58 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218071259 | XX | XX |  | 25966692 |  |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. |  |  |  |  |  |  | 5/XX/2022 11:16:30 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218071259 | XX | XX |  | 25966693 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  |  |  |  | 5/XX/2022 10:23:43 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218071259 | XX | XX |  | 25966694 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 147.809, is greater than the minimum required DSCR of 110.00. | SitusAMC<br>SitusAMC<br>SitusAMC,Originator |  |  |  | 5/XX/2022 8:12:20 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218071271 | XX | XX |  | 25966767 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Missing evidence primary residence is owned free and clear to include evidence of paid taxes and insurance. |  |  |  | Reviewer Comment (2022-05-18): Per LOX provided in the loan file the[REDACTED] is [REDACTED]. This was verified via a Fraud report. The borrower provided a Tax Certificate for the property. The exception has been cleared<br>Buyer Comment (2022-05-16): Taxes and LOE for review<br>Buyer Comment (2022-05-16): HOA and Property Report for review | 5/XX/2022 11:53:44 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071271 | XX | XX |  | 25966769 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Application indicates borrowers live in the [REDACTED] , as a non-permanent residents, which require a credit score and tradelines to be met. |  |  |  | Reviewer Comment (2022-05-23): Reviewed and revised. Borrowers are[REDACTED] from [REDACTED] and they have a [REDACTED] here A credit report was run for both borrowers. and meet requirements. Exception cleared.<br>Buyer Comment (2022-05-19): [REDACTED] are not required to have a Valid Credit Score, however for a Loan to be eligible for sale to [REDACTED], the Lender originating the Loan must have attempted to run credit on each foreign Borrower. If a Valid Credit Score is not available for a [REDACTED] Borrower, the Loan is still eligible for sale to [REDACTED].<br>Reviewer Comment (2022-05-18): The guidelines require all borrowers to have a credit score and meet the tradeline requirements. The credit report provided does not meet that requirement. The exception remains open.<br>Buyer Comment (2022-05-17): CBR for review | 5/XX/2022 8:51:12 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071277 | XX | XX |  | 25966780 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing Approval. |  |  |  | Reviewer Comment (2022-05-23): Approval received. Exception cleared.<br>Buyer Comment (2022-05-19): CTC for review | 5/XX/2022 8:18:55 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071277 | XX | XX |  | 25966782 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal transfer letter is signed by a loan processor which is not allowed per guides and file is missing approval for appraisal transfer from [REDACTED] Appraisal Review Department. |  |  |  | Reviewer Comment (2022-05-27): Corrected transfer letter received. Exception cleared<br>Buyer Comment (2022-05-25): Corrected Transfer Letter<br>Reviewer Comment (2022-05-25): per guides the Appraisal Transfer Letter must be executed by the lender that ordered the appraisal and must be signed by an authorized officer of the company that is not in "Production" (i.e., Loan Officers, LO assistants, etc. are not eligible to sign the transfer letter). Transfer Letter is signed by a loan processor.<br>Buyer Comment (2022-05-23): Appraisal Review correct<br>Reviewer Comment (2022-05-23): Received appraisal review; however, it indicates a status of "Appraisal Declined with Corrections" ---condition cannot be cleared until the corrections are made and reviewed by Appraisal Dept and an approval of the appraisal is issued. Condition remains open.<br>Buyer Comment (2022-05-19): Appraisal Review | 5/XX/2022 7:15:11 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071280 | XX | XX |  | 25966803 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Exception to policy: Loan amount is [REDACTED] vs program minimum loan amount of[REDACTED] . | The representative FICO score exceeds the guideline minimum by at least [REDACTED]points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2022-05-18): Lender exception with comp factors. |  |  | 5/XX/2022 3:40:25 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | C | B | B | B |  |  | C | A |  | N/A | No |
| 218071280 | XX | XX |  | 25966804 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2022-05-24): cleared<br>Buyer Comment (2022-05-20): Appraisal completion report [REDACTED] uploaded for your review, | 5/XX/2022 4:20:42 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | B | B |  |  | C | A |  | N/A | No |
| 218071286 | XX | XX |  | 25966826 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing fraud report. |  |  |  | Reviewer Comment (2022-05-24): Received Fraud Report showing all red flags Cleared. Doc associated & system updated. Exception Cleared.<br>Buyer Comment (2022-05-23): uploaded FDV | 5/XX/2022 1:10:37 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071286 | XX | XX |  | 25966828 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC |  |  |  | Reviewer Comment (2022-05-24): Received Fraud Report showing all red flags Cleared. Doc associated & system updated. Exception Cleared.<br>Buyer Comment (2022-05-23): uploaded FDV that has OFAC | 5/XX/2022 1:10:47 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071291 | XX | XX |  | 25966842 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-05-24): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-05-23): Uploaded Approval & 1008<br>Buyer Comment (2022-05-23): See Entity Docs uploaded - [REDACTED] [REDACTED] and [REDACTED] [REDACTED]= [REDACTED] | 5/XX/2022 9:19:30 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218071291 | XX | XX |  | 25966844 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Borrower and non-borrowing spouse had purchased their primary residence from [REDACTED] (now deceased), who had made them the beneficiaries of her trust, and they then took over the mortgage payments on her existing mortgage: Borrower's primary residence is held in that[REDACTED] in which the Borrower's non-borrowing spouse is the trustee and the Borrower and non-borrowing spouse's co-owned business[REDACTED] is now the beneficiary of the Trust. The mortgage is still in the name of[REDACTED] and the payments are made from Borrower's business bank account[REDACTED] . Allow primary housing mortgage payment history still in[REDACTED] name but paid from Borrower's co-owned business bank account [REDACTED] to be documented by Borrower's letter of explanation, Trust Agreement, mortgage statement and[REDACTED] months of bank statements[REDACTED] vs. program requirement that for any mortgage or rental debt obligation, undisclosed on the Borrower's credit report, alternative documentation showing the most recent[REDACTED] months payment activity up to and including the month prior to the Note date in the form of either a Verification of Rent (VOR) from an institutional third party, cancelled checks, monthly bank statements or transactional payment history directly from the servicer or their website is required. Lender's Exception Approval is in file. | The qualifying DSCR on the loan is greater than the guideline minimum. | comp factors used to waive exception | SitusAMC,Originator | Reviewer Comment (2022-05-20): Lender exception with comp factors |  |  | 5/XX/2022 11:39:51 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218071291 | XX | XX |  | 25966845 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing third party verification Borrower's ownership percentage in [REDACTED] to support use of[REDACTED] business assets |  |  |  | Reviewer Comment (2022-05-31): Received Operating agreement for [REDACTED] to support use o[REDACTED] [REDACTED]with ownership % , Exception cleared.<br>Buyer Comment (2022-05-26): uploaded RVA Oper Agreement with Evid of ownership<br>Reviewer Comment (2022-05-26): All docs provided are from either [REDACTED] or[REDACTED] --- the entity on the bank statement and the one docs are still needed for is[REDACTED]. Condition remains open.<br>Buyer Comment (2022-05-23): Uploaded Entity docs with Acces Ltr & % of ownership- | 5/XX/2022 8:25:55 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218071291 | XX | XX |  | 25966846 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing third party verification Borrower's ownership percentage in [REDACTED] to support [REDACTED] business assets |  |  |  | Reviewer Comment (2022-05-31): Received Operating agreement for[REDACTED]n which borrower do not have any ownership% hence considered [REDACTED] , Exception Cleared.<br>Buyer Comment (2022-05-27): Bank Sts in file are for: [REDACTED] & [REDACTED]& [REDACTED], <br> See entity Docs uploaded again for reference. Bank St for[REDACTED] if [REDACTED]<br>Reviewer Comment (2022-05-26): All docs provided are from either [REDACTED] or [REDACTED] --- the entity on the bank statement and the one docs are still needed for is [REDACTED]. Condition remains open.<br>Buyer Comment (2022-05-23): See Entity Docs uploaded- [REDACTED] [REDACTED] and [REDACTED][REDACTED] = [REDACTED] | 5/XX/2022 2:17:42 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218071291 | XX | XX |  | 25966847 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing third party verification Borrower's ownership percentage in[REDACTED] to support use of [REDACTED] business assets |  |  |  | Reviewer Comment (2022-05-26): Received Operating agreement which shows borrower ownership% of [REDACTED] , Exception cleared.<br>Buyer Comment (2022-05-23): See Entity Docs uploaded-[REDACTED] [REDACTED] and[REDACTED][REDACTED] = [REDACTED] | 5/XX/2022 9:45:24 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218071291 | XX | XX |  | 25966848 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source of funds and deposit for EMD |  |  |  | Reviewer Comment (2022-05-26): Transaction is[REDACTED] , No EMD , Exception cleared.<br>Buyer Comment (2022-05-23): Please clarify Exception; [REDACTED]is an [REDACTED] -[REDACTED] there is no EMD.<br>Buyer Comment (2022-05-23): See Entity Docs uploaded- [REDACTED] [REDACTED]and[REDACTED][REDACTED]=[REDACTED] | 5/XX/2022 9:20:13 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218071293 | XX | XX |  | 25966852 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-05-25): Cleared<br>Buyer Comment (2022-05-24): Approval uploaded | 5/XX/2022 1:03:26 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071293 | XX | XX |  | 25966853 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Conflicting information in the loan file concerning borrower primary residence address. Final 1003 indicates borrower primary residence for [REDACTED] on [REDACTED] , no primary housing expense and [REDACTED] is marked as does not own any real estate. Initial 1003 shows primary residence address as [REDACTED], renting that property as his primary residence. Credit Report shows the[REDACTED] address as current address. |  |  |  | Reviewer Comment (2022-06-02): Received corrected 1003<br>Buyer Comment (2022-06-01): Final 1003 uploaded<br>Reviewer Comment (2022-05-31): Section 3A of Final 1003 still reflects Borrower does not own any property.<br>Buyer Comment (2022-05-27): Credit report explanation for address discrepancy uploaded<br>Buyer Comment (2022-05-27): 1003 Uploaded<br>Reviewer Comment (2022-05-25): Please provide corrected 1003 reflecting current residence as owned property and LOX regarding discrepancy in Credit report address of [REDACTED].<br>Buyer Comment (2022-05-24): LOX for previous address<br>Buyer Comment (2022-05-24): Identification with[REDACTED]address<br>Buyer Comment (2022-05-24): LOX for address | 06/02/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071293 | XX | XX |  | 25966854 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  |  |  |  |  | Reviewer Comment (2022-06-02): Received evidence most recent mortgage was paid off - no indication of any other financing on primary<br>Buyer Comment (2022-06-01): Evidence property is owned free and clear<br>Reviewer Comment (2022-05-31): Please provide evidence property is free and clear as Section (Redacted)of 1003 reflects Borrower does not own any property.<br>Buyer Comment (2022-05-27): Property taxes for primary home<br>Reviewer Comment (2022-05-25): Please provide evidence of paid taxes and insurance.<br>Buyer Comment (2022-05-24): Property paid in full. No payment history | 06/02/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071293 | XX | XX |  | 25966856 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2022-05-27): Received Certificate of Good Standing , Exception cleared.<br>Buyer Comment (2022-05-26): Certificate of good standing uploaded<br>Reviewer Comment (2022-05-25): Document is required to verify business was active and in good standing at time of closing.<br>Buyer Comment (2022-05-24): Can you tell me why is this required? | 5/XX/2022 12:39:00 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071293 | XX | XX |  | 25966857 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing documentation to verify borrower residency status as a Permanent Resident Alien. |  |  |  | Reviewer Comment (2022-05-25): Permanent Resident Card provided. Exception cleared<br>Buyer Comment (2022-05-24): Proof of permanent residency uploaded | 5/XX/2022 1:12:45 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071293 | XX | XX |  | 25966858 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing other non liquid assets of [REDACTED] as reflected on 1003. please provide source of assets or corrected 1003. |  |  |  | Reviewer Comment (2022-06-02): Received corrected 1003<br>Buyer Comment (2022-06-01): 1003 uploaded<br>Reviewer Comment (2022-05-31): 1003 provided still reflects [REDACTED] in other non liquid asset<br>Buyer Comment (2022-05-26): Other non-liquid asset<br>Reviewer Comment (2022-05-25): 1003 provided is not updated with removal of account. Exception remains.<br>Buyer Comment (2022-05-24): Corrected 1003 uploaded | 06/02/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071294 | XX | XX |  | 25966865 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-05-25): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-05-24): Approval | 5/XX/2022 12:38:23 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071301 | XX | XX |  | 25966885 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Borrower rents [REDACTED] rated[REDACTED] per institutional VOR. File does not contain cancelled checks/bank statements to support history. |  |  |  | Reviewer Comment (2022-05-31): Cleared<br>Buyer Comment (2022-05-27): See uploaded Credit Report showing 'As Agreed' rating for [REDACTED] months on mortgage from [REDACTED] through [REDACTED] supplementing institutional VOR to satisfy finding. Please clear finding.<br>Buyer Comment (2022-05-27): See uploaded Credit Report showing 'As Agreed' rating for[REDACTED]months on mortgage from[REDACTED]through [REDACTED]1 supplementing institutional VOR to satisfy finding. Please clear finding. | 5/XX/2022 5:02:39 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218071305 | XX | XX |  | 25966901 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing the Appraisal Transfer Letter and the Appraisal Review with an Approval for the letter. |  |  |  | Reviewer Comment (2022-06-02): Received the missing information<br>Buyer Comment (2022-06-01): see transfer letter and E&O<br>Reviewer Comment (2022-06-01): Please provide The Appraisal Transfer Letter. Additionally the appraisal approval reflects approved with conditions. Please provide E&O Policy per the appraisal approval.<br>Buyer Comment (2022-06-01): see appraisal transfer approval | 06/02/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218300976 | XX | XX |  | 26246843 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow no housing history due to borrower living rent free with a close family friend for over three years. Lender granted exception in file. | Borrower has owned the subject property for at least [REDACTED] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [REDACTED].<br>Borrower's Experience/Track Record | Comp factor used to waive exception. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2022-05-27): Compensating Factors used to waive Exception. |  |  | 5/XX/2022 9:49:05 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218300976 | XX | XX |  | 26246844 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Missing lease agreement. |  |  |  | Reviewer Comment (2022-06-01): no lease in place, but received (redacted) records<br>Buyer Comment (2022-05-31): Proof of Rents for review | 06/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218300976 | XX | XX |  | 26246846 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Allow no housing history due to borrower living rent free with a close family friend for over three years. Lender granted exception in file. | Borrower has owned the subject property for at least [REDACTED] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [REDACTED].<br>Borrower's Experience/Track Record | Comp factor used to waive exception. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2022-05-27): Compensating Factors used to waive Exception. |  |  | 5/XX/2022 9:49:21 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218300976 | XX | XX |  | 26246847 |  |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | Missing lease agreement. |  |  |  | Reviewer Comment (2022-06-01): Business purpose cert in file, appraisal gives no indication of owner occupancy and documentation provided to support use as a short-term rental including rent receipt records. Nothing further needed<br>Buyer Comment (2022-05-31): Proof of Rents for review | 06/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218300976 | XX | XX |  | 26246848 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject transaction is a cash out refinance. Neither report gave a score, which would require approval from [REDACTED] appraisal review department |  |  |  | Reviewer Comment (2022-06-01): Received internal review/approval of transferred appraisal.<br>Buyer Comment (2022-05-31): Appraisal Review | 06/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218300976 | XX | XX |  | 26246849 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing the Approval for the transfer of the appraisal. |  |  |  | Reviewer Comment (2022-06-01): Received<br>Buyer Comment (2022-05-31): Appraisal Review | 06/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218300976 | XX | XX |  | 26246850 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | [REDACTED] history for most recent[REDACTED] months received and guidelines require ave mo income from short term rental be used if lower than estimated rent from appraisal. [REDACTED] average was much lower and resulted in a DSCR below guideline. |  |  |  | Reviewer Comment (2022-06-10): Cleared.<br>Buyer Comment (2022-06-09): There is not however none of the dates are overlapping<br>Reviewer Comment (2022-06-09): is there an explanation as to why it has two different property IDs?<br>Buyer Comment (2022-06-08): This was additional rents for the [REDACTED] property<br>Reviewer Comment (2022-06-08): Please provide clarification on the [REDACTED] statement provided. Statement reflects property address twice with (Redacted)different payouts. Additionally, the property ID reflected has (Redacted)different IDs.<br>Buyer Comment (2022-06-07): Please review as DSC is [REDACTED]<br>Reviewer Comment (2022-06-03): Received docs for rental income from [REDACTED] - this was an additional [REDACTED]over the [REDACTED] mo period or [REDACTED] --- added this to the monthly income from the [REDACTED] docs already provided; however, DSCR is still well under guides at only .[REDACTED]. Condition remains open.<br>Buyer Comment (2022-06-02): 1st 4 pages are proof of rents for [REDACTED]<br>Reviewer Comment (2022-06-02): The only rental income receipt docs in file are monthly histories from [REDACTED] - nothing provided from [REDACTED] -- if this is also a rental source for the [REDACTED] please provide the rental income history from this additional source so it can be considered in addition to the [REDACTED]info. [REDACTED] alone does not meet DSCR requirement. Condition remains open.<br>Buyer Comment (2022-06-01): Please see [REDACTED] and[REDACTED] Calcs | 6/XX/2022 2:32:03 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344547 | XX | XX |  | 26275630 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | [REDACTED] |  |  |  | Reviewer Comment (2022-05-26): Received<br>Buyer Comment (2022-05-23): Uploaded Legal Dept. approval of LLC documentation with borrower's personal Guarantee, also uploaded.<br>Reviewer Comment (2022-05-20): We would required Articles of Organization/Formation not operating agreement , Exception remains.<br>Buyer Comment (2022-05-19): Uploaded Operating Agreement.<br>Buyer Comment (2022-05-19): Uploaded Certificate of Good Standing.<br>Buyer Comment (2022-05-19): Uploaded Operating Agreement which serves the purpose of Articles of Incorporation. | 5/XX/2022 10:16:48 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218344547 | XX | XX |  | 26275631 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | [REDACTED] |  |  |  | Reviewer Comment (2022-05-20): Received Certificate of Good Standing , Exception cleared.<br>Buyer Comment (2022-05-20): Uploaded certification. | 5/XX/2022 1:20:33 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218344547 | XX | XX |  | 26275633 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2022-05-23): Received Field Review , Exception cleared.<br>Buyer Comment (2022-05-19): Uploaded appraisal review. | 5/XX/2022 10:48:13 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218344547 | XX | XX |  | 26275634 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Allow no primary housing history due to Borrower living rent-free with his sisters for the past[REDACTED] vs. program requirement Borrowers without mortgage or rental housing history including borrowers living rent free are not eligible but will be considered on an exception basis. Lender's Exception Approval is in file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [REDACTED]<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [REDACTED].<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | [REDACTED]> [REDACTED] | SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-05-18): Lender exception with comp factors. |  |  | 5/XX/2022 11:55:29 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218344547 | XX | XX |  | 26275635 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is [REDACTED] vs minimum number of stories is[REDACTED] and the maximum number of stories is [REDACTED] . Lender's Exception Approval is in file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [REDACTED]<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [REDACTED].<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | [REDACTED]> [REDACTED] | SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-05-18): Lender exception with comp factors. |  |  | 5/XX/2022 11:55:48 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218344547 | XX | XX |  | 26275636 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan purpose is cash out and property is not eligible for UCDP scoring. Missing approval from [REDACTED] Appraisal Review Department. |  |  |  | Reviewer Comment (2022-06-09): Cleared<br>Buyer Comment (2022-06-09): Uploaded Appraisal Review. Please clear finding.<br>Reviewer Comment (2022-06-01): Exception is for (Redacted)story not meeting guideline requirements and does not cover appraisal approval. Per [REDACTED] requirements as the is no UCDP scores appraisal approval from (Redacted)Appraisal Review Department is required.<br>Buyer Comment (2022-06-01): Appraisal Review didn't review this appraisal as it is a[REDACTED] story multiple use property which doesn't meet the guideline of a minimum of (Redacted) stories. However, see uploaded approved exception to this guideline, approving the appraisal and accepting the one story property. Please clear this exception.<br>Reviewer Comment (2022-05-23): We required approval from (Redacted)Appraisal Review Department for not provided any of the UCDP report and score , Exception remains.<br>Buyer Comment (2022-05-19): See uploaded Commercial Appraisal Review. | 06/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218344551 | XX | XX |  | 26275658 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | The statements provided do not match the payment amount shown on the VOR. | The representative FICO score exceeds the guideline minimum by at least [REDACTED]points.<br>Borrowers made a down payment from their own funds on this [REDACTED] transaction of at least [REDACTED] and [REDACTED].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Comp factors used to waive exception | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-06-08): Comp factors used to waive exception<br>Buyer Comment (2022-06-07): uploaded Except Approval<br>Reviewer Comment (2022-05-20): Unable to document [REDACTED] pay history per LOE<br>Buyer Comment (2022-05-20): See Lease & LOE |  |  | 06/08/2022 | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218344551 | XX | XX |  | 26275660 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note Date: ___; Lien Position: ___ | Loan is to securitize, missing secondary valuation in the loan file. The file is missing the UCDP report, which requires a CDA/ARR valuation. |  |  |  | Reviewer Comment (2022-05-17): As per given (Redacted)UCDP report , cu score is [REDACTED] which is less than [REDACTED] , no need of CDA/ARR , Exception cleared.<br>Buyer Comment (2022-05-16): Uploaded SSR - [REDACTED] Risk Score additional valuation not required. | 5/XX/2022 10:57:05 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218344551 | XX | XX |  | 26275661 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Asset documentation provided is less than [REDACTED] months verified. |  |  |  | Reviewer Comment (2022-06-07): Updated 1003 and 1008 provided removing asset account. Exception cleared.<br>Buyer Comment (2022-06-06): Uploaded docs showing assets were not used.<br>Reviewer Comment (2022-05-31): [REDACTED] account was opened with 2 wires both on [REDACTED] from a party by the name of [REDACTED] based on the statement. The gift letter wires were all sent to the [REDACTED] account a month later and have no tie to these two wires. These (Redacted)wires to open the [REDACTED] acct have not yet been sourced or verified. Condition remains open.<br>Buyer Comment (2022-05-27): [REDACTED] [REDACTED] tie out Deposit Opening Bal.<br>Buyer Comment (2022-05-27): Please Review again. Gift for the [REDACTED] from [REDACTED] [REDACTED]. Deposit to [REDACTED] [REDACTED] same time as other Wires & Sources of Funds<br>Reviewer Comment (2022-05-24): The gift letter does not tie out to the account. Please provide the sourcing for the opening deposits of this account.<br>Buyer Comment (2022-05-23): See page 6 for [REDACTED] Gift Letter for opening deposit.<br>Reviewer Comment (2022-05-20): Please provide evidence of opening funds that is sourced.<br>Buyer Comment (2022-05-18): [REDACTED] St provided is a complete Statement. See Opening Balance was [REDACTED] as of [REDACTED] - New Account.<br>Reviewer Comment (2022-05-17): Statements provided by lender do not validate the (Redacted) month's required for this asset. They are essentially for the same timeframe previously provided. Exception remains.<br>Buyer Comment (2022-05-16): Uploaded [REDACTED] Sts [REDACTED] | 06/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218344551 | XX | XX |  | 26275662 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Missing Corporate resolution. |  |  |  | Reviewer Comment (2022-05-20): Cleared<br>Buyer Comment (2022-05-17): Please review again; The Articles & Operating Agreement is all that is required. Per the "Operating Agreement" on [REDACTED] organizer - set up [REDACTED] noted in the Explanatory Statement and in Section I of Defined Terms; as a [REDACTED] and as set forth in the "Articles of Organization." Entity is not [REDACTED], [REDACTED]. that would require a Corp Resolution.<br>Reviewer Comment (2022-05-17): We would required actual Corporate resolution document , Exception remains.<br>Buyer Comment (2022-05-16): Entity Docs uploaded. Subject Entity is a [REDACTED] with Articles & By-Laws. A Corporate Resolution is not required for [REDACTED] Corporation. | 5/XX/2022 10:25:51 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218344551 | XX | XX |  | 26275663 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Missing lease agreement. |  |  |  | Reviewer Comment (2022-05-24): Cleared<br>Buyer Comment (2022-05-20): See LOE - Subject is to be a [REDACTED] / [REDACTED] | 5/XX/2022 4:10:15 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218344551 | XX | XX |  | 26275665 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is a log home, which is not an eligible property type per lender guidelines. | The representative FICO score exceeds the guideline minimum by at least [REDACTED]points.<br>Borrowers made a down payment from their own funds on this [REDACTED] transaction of at least [REDACTED] and [REDACTED].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Comp factors used to waive exception | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-06-08): Comp factors used to waive exception<br>Buyer Comment (2022-06-07): uploaded Exception Approval |  |  | 06/08/2022 | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218344557 | XX | XX |  | 26275699 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing Approval. |  |  |  | Reviewer Comment (2022-05-18): Cleared<br>Buyer Comment (2022-05-17): I have submitted the Conditional Loan Approval and the 1008 for your review. | 5/XX/2022 9:11:05 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344557 | XX | XX |  | 26275700 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | PITIA months reserves of [REDACTED] is less than guideline required of[REDACTED] reserves, this is due to an asset account ending[REDACTED] that was removed, account statement reflects the account belongs to a non borrowing individual, for this reason asset cannot be used. |  |  |  | Reviewer Comment (2022-06-08): Cleared<br>Buyer Comment (2022-06-07): Please find the Gift Letter for the [REDACTED] from the Borrower's [REDACTED] for review.<br>Reviewer Comment (2022-06-06): This appears to be a gift. please provide a gift letter<br>Buyer Comment (2022-06-06): The Borrower has provided updated [REDACTED] bank statements to confirm his [REDACTED] transferred [REDACTED] from her [REDACTED] account to the joint account for Closing and verification of reserves after the transfer and withdrawal of funds for Closing is attached for your review.<br>Reviewer Comment (2022-05-18): Borrower name is not on bank statement. Additionally, Borrower himself cannot confirm that he has full use of funds that does not reflect Borrowers name.<br>Buyer Comment (2022-05-17): I am submitting a Certification that I have spoken to the Borrower and he confirmed that the Account Holders on the [REDACTED] account ending in [REDACTED] are his [REDACTED] and [REDACTED] and he has full access to the funds in this account.<br>Buyer Comment (2022-05-16): The Conditional Loan Approval and the 1008 are attached for your review. | 06/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344577 | XX | XX |  | 26275810 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to policy: Borrower has multiple financed investment properties, all set up with auto pay. In [REDACTED] , she received notification from [REDACTED] that servicing was going to be transferred to [REDACTED] for two of her properties and she should set up a new auto pay account with XX, which she states she did. However, the first payment did not auto-debit in [REDACTED] as they should have, despite her providing accurate routing information. XX sent notification to the borrower's [REDACTED] address of the missed payments, but she was out of town and did not realize there was a problem until she returned. She made both payments in full on [REDACTED] . According to borrower, she has spoken to XX on the phone multiple times regarding this issue, and they told her that the late payments were going to be reversed; however, this has not happened yet. Borrower has officially disputed with the credit bureaus. A credit supplement dated [REDACTED] indicates [REDACTED] on the mortgages in question. Allow[REDACTED] on mortgages within the last [REDACTED] n [REDACTED] with[REDACTED] (both payments are currently disputed) vs. program requirement that maximum allowed delinquency for mortgages is[REDACTED] within[REDACTED] months of Note Date. | Seasoned Borrower/Investor whose experience exceeds [REDACTED]completed projects.<br>Borrowers made a down payment from their own funds on this [REDACTED] transaction of at least [REDACTED] and [REDACTED].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | Credit score is [REDACTED], [REDACTED]points > program requirement of [REDACTED]. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-06-01): Compensating Factors used to waive Exception. |  |  | 06/01/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 218344579 | XX | XX |  | 26275826 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject unit has [REDACTED] of gross living area. Lender granted exception in file. | Borrowers made a down payment from their own funds on this [REDACTED] transaction of at least [REDACTED] and [REDACTED]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Comp factor used to waive exception. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2022-05-31): Compensating Factors used to waive Exception. |  |  | 5/XX/2022 2:53:33 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344579 | XX | XX |  | 26275827 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor concentration is [REDACTED] . Lender granted exception in file. | Borrowers made a down payment from their own funds on this [REDACTED] transaction of at least [REDACTED] and [REDACTED]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Comp factor used to waive exception. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2022-05-31): Compensating Factors used to waive Exception. |  |  | 5/XX/2022 2:53:46 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344579 | XX | XX |  | 26275828 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The project's budget allocation is [REDACTED] of total expenses. (Note: The condo has a 2-part budget. They collect for both the general revenue/expenses and a separate account for reserves. In the case of the reserve budget, there is income of $[REDACTED] , and expenses that are subtracted from this amount, leaving[REDACTED] . This[REDACTED] is also the profit of the budget. This represents[REDACTED] of the total expenses [REDACTED] Also the balance sheet ending [REDACTED] shows cash of[REDACTED] which represent[REDACTED] of expenses). Lender granted exception in file. | Borrowers made a down payment from their own funds on this [REDACTED] transaction of at least [REDACTED] and [REDACTED]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Comp factor used to waive exception. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2022-05-31): Compensating Factors used to waive Exception. |  |  | 5/XX/2022 2:54:00 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344579 | XX | XX |  | 26275831 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source of fund deposit for the deposit in the amount of REDACTED] . |  |  |  | Reviewer Comment (2022-06-08): Received required documentation. Cleared.<br>Buyer Comment (2022-06-07): Uploaded Donor Verification of funds and documentation required Gift letter, Check and title company receipt.<br> Per the [REDACTED] Underwriting Guidelines for the I10 Gifts permitted and must conform to all Fannie Mae gift requirements <br> (except that Fannie requirements are modified to permit gifts for [REDACTED] occupancy);<br> The Fannie guidelines B3-4.3-04 Personal Gifts Verifying Donor Availability of Funds and Transfer of Gift Funds<br> The lender must verify that sufficient funds to cover the gift are either in the donor's account or have been transferred to the borrower's account. Acceptable documentation includes the following:<br>a copy of the donor's check and the borrower's deposit slip,<br>a copy of the donor's withdrawal slip and the borrower's deposit slip,<br>a copy of the donor's check to the closing agent, or<br>a settlement statement showing receipt of the donor's check.<br> When the funds are not transferred prior to settlement, the lender must document that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, or other official check<br>Reviewer Comment (2022-06-06): Source of funds is required for EMD [REDACTED] that EMD has been withdrawn , Exception remains.<br>Buyer Comment (2022-06-02): Uploaded the Source of funds for [REDACTED] along with gift letter from husband | 06/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344580 | XX | XX |  | 26275834 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Allow no housing due to Borrower living rent-free with his brother for over [REDACTED] vs. Borrowers without mortgage or rental housing history including borrowers living rent free are not eligible but will be considered on an exception basis. Lender's Exception Approval is in file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[REDACTED].<br>Borrowers made a down payment from their own funds on this [REDACTED] transaction of at least [REDACTED] and [REDACTED].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | The DSCR of [REDACTED]is greater than the minimum required DSCR of [REDACTED].<br>[REDACTED]months > [REDACTED]months<br>[REDACTED] > [REDACTED] | Originator<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-05-25): Compensating Factors used to waive Exception. |  |  | 5/XX/2022 10:52:40 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344580 | XX | XX |  | 26275836 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source verification and settlement agent's deposit receipt for [REDACTED] Initial earnest money deposit paid [REDACTED] . |  |  |  | Reviewer Comment (2022-06-23): Lender provided bank statement that shows the earnest money deposit has cleared the account. Exception cleared.<br>Buyer Comment (2022-06-22): [REDACTED] Statements, [REDACTED], reflecting EMD debits of [REDACTED] on [REDACTED] and [REDACTED] on [REDACTED].<br>Reviewer Comment (2022-06-07): Still missing the source of the funds, exception remains.<br>Buyer Comment (2022-06-03): Please see the Statement of Sale acknowledging the receipt of [REDACTED] and the two cancelled checks ([REDACTED] and [REDACTED]) made out to the Realty and deposited into the Escrow account verifying both receipt and deposit of the EMD. Thank you. | 6/XX/2022 11:33:10 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344580 | XX | XX |  | 26275837 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source verification and settlement agent's deposit receipt for [REDACTED] additional earnest money deposit paid [REDACTED] . |  |  |  | Reviewer Comment (2022-06-23): Lender provided bank statement that shows the earnest money deposit has cleared the account. Exception cleared.<br>Buyer Comment (2022-06-22): [REDACTED] Statement, [REDACTED], reflecting EMD debit of [REDACTED] on [REDACTED].<br>Reviewer Comment (2022-06-07): Still missing the source of the funds, exception remains.<br>Buyer Comment (2022-06-03): Please see the Statement of Sale acknowledging the receipt of [REDACTED] and the two cancelled checks ([REDACTED] and [REDACTED]) made out to the Realty and deposited into the Escrow account verifying both receipt and deposit of the EMD. Thank you. | 6/XX/2022 11:33:20 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344587 | XX | XX |  | 26275873 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Missing Lease Agreement. Subjct apprasied tenant occupied. |  |  |  | Reviewer Comment (2022-06-20): Cleared<br>Reviewer Comment (2022-06-20): This has been switched back to an [REDACTED]<br>Buyer Comment (2022-06-17): Exception Uploaded.<br>Buyer Comment (2022-06-16): Please review this under the[REDACTED] guidelines. This is an [REDACTED] not an [REDACTED]. Attached is the lease, income calc, approval and 1008. This will resolve the exception.<br>Buyer Comment (2022-06-16): Please review this under the [REDACTED] guidelines. This is an[REDACTED] not an[REDACTED]. Attached is the lease, income calc, approval and 1008. This will resolve the exception.<br>Buyer Comment (2022-06-16): Please review this under the[REDACTED] guidelines. This is an [REDACTED] not an[REDACTED]. Attached is the lease, income calc, approval and 1008. This will resolve the exception.<br>Buyer Comment (2022-06-16): Please review this under the [REDACTED]guidelines. This is an [REDACTED] not an [REDACTED]. Attached is the lease, income calc, approval and 1008. This will resolve the exception.<br>Buyer Comment (2022-06-16): Please review this under the [REDACTED] guidelines. This is an [REDACTED] not an [REDACTED]. Attached is the lease, income calc, approval and 1008. This will resolve the exception. | 6/XX/2022 1:35:41 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344587 | XX | XX |  | 26275874 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Program change to [REDACTED] |  |  |  | Reviewer Comment (2022-06-20): Cleared | 6/XX/2022 1:35:47 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344587 | XX | XX |  | 26275875 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Program change to [REDACTED] |  |  |  | Reviewer Comment (2022-06-20): Cleared | 6/XX/2022 1:36:10 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344587 | XX | XX |  | 26275876 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow use of higher market rent per appraisal of [redacted] per month in lieu of actual rents of [redacted]/month due to lease expiring within [redacted] days of closing. (closed [redacted] expires [redacted]) | Borrowers made a down payment from their own funds on this [REDACTED] transaction of at least [REDACTED]% and $[REDACTED].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED]months. | Comp factors used to waive exception | SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-06-20): Comp factors used to waive exception |  |  | 6/XX/2022 1:35:19 PM | 2 |  | B |  | B |  | B |  | B |  | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344588 | XX | XX |  | 26275877 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing Approval. |  |  |  | Reviewer Comment (2022-05-02): Received 1008 and considered approval document , Exception cleared.<br>Buyer Comment (2022-04-29): see approval and 1008 | 05/02/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344588 | XX | XX |  | 26275880 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Calculated [REDACTED] is less than guideline required [REDACTED] of [REDACTED] , this is due to the Hazard insurance policy premium amount, which does not align with what the lender used. The policy premium used is most recent and new policy, which took to effect on [REDACTED] |  |  |  | Reviewer Comment (2022-06-17): Program was changed to i14<br>Buyer Comment (2022-06-17): Attached are Lock, 1008, URLA, Approval and exception. Loan is now an I14. Once the attached are reviewed this will be resolved.<br>Buyer Comment (2022-06-16): SEE APPROVED EXCEPTION<br>Reviewer Comment (2022-06-06): The updated premium amount was collected and paid at closing, so it was known at the time the loan closed. please give me a call<br>Buyer Comment (2022-06-03): Show me a guideline that says the renewal premium should be used when that new policy is not yet in force. It is ABSOLUTELY acceptable to use the current insurance premium in force at the time of closing. There is no guideline related to the I10 that says a renewal premium not yet in force needs to be used for DSCR. That is not accurate. Please clear this exception OR have management contact me directly. They have my number. Thanks,<br>Reviewer Comment (2022-05-10): Policy renewal appears to have been available at time of UW and as old policy expired less than 60 days new premium should have been used.<br>Buyer Comment (2022-05-05): the renewal premium wasn't known until after the loan closed. Please review with management and advise.<br>Reviewer Comment (2022-05-04): As first payment date is [REDACTED] the renewal premium of [REDACTED] should be used for DSCR calculations.<br>Buyer Comment (2022-05-03): see income calc which includes HOI premium of [REDACTED]/12= [REDACTED]/month and dsc result of [REDACTED]<br>Reviewer Comment (2022-05-02): We are using the new premium. It appears that your team used the old premium to qualify the borrower<br>Buyer Comment (2022-04-29): the new premium was used to set up the loan because the first payment date will be [REDACTED] which is after the effective date of the Hazard Insurance.<br> Please review and calculate based on the new premium and provide response. DSCR calc should be correct based on this information. | 6/XX/2022 9:54:26 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344588 | XX | XX |  | 26275881 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | program updated | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>Borrower has owned the subject property for at least [REDACTED] years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [REDACTED]%. | comp factors used to waive exception | SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-06-17): Comp factors used to waive exception |  |  | 6/XX/2022 9:59:01 AM | 2 |  | B |  | B |  | B |  | B |  | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344588 | XX | XX |  | 26275882 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Moving back to an [REDACTED] . |  |  |  | Reviewer Comment (2022-06-24): Cleared<br>Buyer Comment (2022-06-23): Lender exception to resolve. | 6/XX/2022 1:28:29 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344592 | XX | XX |  | 26275904 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-06-07): Received Approval & 1008 , Exception cleared.<br>Buyer Comment (2022-06-06): The Conditional Loan Approval and the 1008 are uploaded for your review. | 06/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344594 | XX | XX |  | 26275912 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  |  |  | Reviewer Comment (2022-06-07): Received required documentation. Cleared.<br>Buyer Comment (2022-06-03): Uploaded settlement statement. | 06/07/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 218344594 | XX | XX |  | 26275913 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Borrower has no verified housing history. Per letter of explanation [REDACTED] Borrower lives rent-free at [REDACTED] |  |  |  | Reviewer Comment (2022-06-07): Received required documentation. Cleared.<br>Buyer Comment (2022-06-03): Borrower is a [REDACTED]. LOE from [REDACTED] documenting that borrower has lived with them for [REDACTED] while taking her graduate program and confirmed by borrower's LOE. and further supported by borrower's credit report showing the address of [REDACTED] for [REDACTED]. Please clear finding. | 06/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 218344594 | XX | XX |  | 26275914 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  |  |  |  |  | Reviewer Comment (2022-06-08): Lease provided exception cleared<br>Reviewer Comment (2022-06-08): Complete lease for subject property did not appear to upload.<br>Buyer Comment (2022-06-07): Uploaded lease. | 06/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 218344594 | XX | XX |  | 26275916 |  |  | Credit | Credit | Credit Documentation | Credit | Borrower does not own current residence and thus casts doubt on business purpose of loan. |  | Borrower has no verified housing history. Per letter of explanation [REDACTED] Borrower lives rent-free at [REDACTED] |  |  |  | Reviewer Comment (2022-06-07): Received required documentation. Cleared.<br>Buyer Comment (2022-06-03): See uploaded Certification of Business Purpose reflecting that this property will not be occupied by the borrower. Also page 30 of the Mortgage states Section 6 - occupancy is deleted. These documents along with borrower's LOE document the intended use of the property. Please clear finding. | 06/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 218344598 | XX | XX |  | 26275923 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide cancelled checks or monthly Bank statements for a full [REDACTED] months including but not limited to the month prior to the note date of the new loan, the [REDACTED]is in the name of the originator. |  |  |  | Reviewer Comment (2022-06-08): cleared<br>Buyer Comment (2022-06-07): VOR is in the name of broker [REDACTED] works for comp [REDACTED] | 06/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344600 | XX | XX |  | 26275932 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing certificate of good standing. |  |  |  | Reviewer Comment (2022-06-08): Received Certificate of Good Standing , Exception cleared.<br>Buyer Comment (2022-06-07): Cert of Fact for review | 06/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344600 | XX | XX |  | 26275933 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Missing articles of organization. |  |  |  | Reviewer Comment (2022-06-08): Per confirmation , considered Operating agreement , Exception cleared.<br>Buyer Comment (2022-06-07): LLC docs for review | 06/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344600 | XX | XX |  | 26275934 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender on the Appraisal is different than the Lender on the Note, please provide the Approval for the Appraisal Transfer Letter as required. |  |  |  | Reviewer Comment (2022-06-08): Cleared<br>Buyer Comment (2022-06-07): Appraisal review | 06/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344604 | XX | XX |  | 26275943 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-06-07): Received Approval , Exception cleared.<br>Buyer Comment (2022-06-06): Uploaded loan approval | 06/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218344604 | XX | XX |  | 26275944 |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2022-06-07): Received Appraisal report , Exception cleared.<br>Buyer Comment (2022-06-06): Uploaded 1004 D<br>Buyer Comment (2022-06-06): Uploaded appraisal | 06/07/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218344604 | XX | XX |  | 26275946 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [REDACTED] in [REDACTED] within [REDACTED] months of Note date vs program requirement of maximum permitted delinquency is in the last [REDACTED] from Note date. Borrower refinanced non-subject investment property[REDACTED] in[REDACTED], servicing was transferred to XX in [REDACTED] at which time the Borrower set up auto-bill payments, servicing was then transferred again to XX effective for the [REDACTED] payment; the Borrower was unaware of the change (per letter of explanation they did not initially notice the change due to all of her mortgages being auto-pay) causing her to be late for the [REDACTED] payment, which was paid in[REDACTED] once she received the mortgage statement reflecting [REDACTED] of payment due. Lender Exception Approval is in file. | The representative FICO score exceeds the guideline minimum by at least points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | [REDACTED] months > [REDACTED] months | SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-06-03): Lender granted exception approval in file. |  |  | 06/03/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218344604 | XX | XX |  | 26275947 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Missing recent two months business bank statements for[REDACTED]and third- party verification of Borrower's ownership percentage in [REDACTED]. Loan file only contains an account summary for period [REDACTED] vs. actual statements. |  |  |  | Reviewer Comment (2022-06-15): Updated 1003 provided. Exception cleared<br>Buyer Comment (2022-06-14): Uploaded to [REDACTED] an updated 1003 showing account [REDACTED] has been removed<br>Reviewer Comment (2022-06-14): We would required updated 1003 showing account [REDACTED] has been removed , Exception remains.<br>Buyer Comment (2022-06-13): The bank statements for [REDACTED] and third party verification not needed to qualify for borrowe's reserves therefore please exclude and clear exception. | 6/XX/2022 8:08:57 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218344604 | XX | XX |  | 26275948 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing recent two months business bank statements for [REDACTED] and third- party verification of Borrower's ownership percentage in [REDACTED]. Loan file only contains an account summary for period [REDACTED vs. actual statements. |  |  |  | Reviewer Comment (2022-06-15): Updated 1003 provided. Exception cleared<br>Buyer Comment (2022-06-14): Uploaded the updated 1003 showing account [REDACTED] has been removed<br>Reviewer Comment (2022-06-14): We would required updated 1003 showing account [REDACTED] has been removed , Exception remains.<br>Buyer Comment (2022-06-13): The bank statements for [REDACTED] and third party verification not needed to qualify for borrowe's reserves therefore please exclude and clear exception. | 6/XX/2022 8:15:44 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218344604 | XX | XX |  | 26275949 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Missing verified houisng history. Borrower's[REDACTED] secures[REDACTED] that paid of [REDACTED] that is not rated and reported by bureaus. |  |  |  | Reviewer Comment (2022-06-14): Received required documentation. Cleared.<br>Buyer Comment (2022-06-13): Uploaded the housing payment history for the previous loan on [REDACTED] residence [REDACTED] with FCI and the [REDACTED] executed Note and CD reflecting taxes, insurance and first payment not due yet.<br>Buyer Comment (2022-06-13): Executed CD [REDACTED]<br>Buyer Comment (2022-06-13): [REDACTED] [REDACTED] Note<br>Buyer Comment (2022-06-13): FCI payment history | 6/XX/2022 2:01:54 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218344604 | XX | XX |  | 26275950 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 |  | Missing Appraisal Report |  |  |  | Reviewer Comment (2022-06-07): Received Appraisal report , Exception cleared.<br>Buyer Comment (2022-06-06): Uploaded SSR | 06/07/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218344604 | XX | XX |  | 26275951 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Missing Appraisal Report |  |  |  | Reviewer Comment (2022-06-07): Received Appraisal report , Exception cleared.<br>Buyer Comment (2022-06-06): Uploaded 1004 D<br>Buyer Comment (2022-06-06): Uploaded Appraisal | 06/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218344604 | XX | XX |  | 26275952 |  |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property |  | Missing Appraisal Report and [REDACTED] Rent Comparison Schedule |  |  |  | Reviewer Comment (2022-06-07): Received 1007 Rent Comparison Schedule , Exception cleared.<br>Buyer Comment (2022-06-06): Uploaded appraisal with renrt comparison and 1004D<br>Buyer Comment (2022-06-06): Uploaded Appraisal eith rebt comparison | 06/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218344604 | XX | XX |  | 26275953 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Missing Appraisal Report and [REDACTED]Rent Comparison Schedule |  |  |  | Reviewer Comment (2022-06-07): Received 1007 ,DSCR requirement is fulfill , Exception cleared<br> ..<br>Buyer Comment (2022-06-06): Uploaded appraisal with renr comparison and 1004D<br>Buyer Comment (2022-06-06): Uploaded Appraisal and 1004 D | 06/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | D | A |  | N/A | No |
| 218344605 | XX | XX |  | 26275962 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Verification of housing history provided in file is less than guideline required 1 [REDACTED]. |  |  |  | Reviewer Comment (2022-06-22): Received required documentation. Cleared.<br>Buyer Comment (2022-06-21): Uploaded Credit Report Ratings for current mortgage and [REDACTED] mortgage with [REDACTED] supported by uploaded property profile showing [REDACTED] as the [REDACTED] mortgage. Also uploaded current mortgage statements.<br>Reviewer Comment (2022-06-09): This is insufficient. please either provide a housing history or lender exception.<br>Buyer Comment (2022-06-08): See uploaded Processor Attestation on housing history with credit rating from the prior closed mortgages. Please clear finding. | 6/XX/2022 9:20:56 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344605 | XX | XX |  | 26275963 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Missing articles of[REDACTED]. |  |  |  | Reviewer Comment (2022-06-09): Considered Articles of Organization/Formation , Exception cleared.<br>Buyer Comment (2022-06-08): Uploaded Certificate of Formation. Articles of Incorporation are sometimes referred to as the "certificate of formation" and this document is what legally documents the creation of your corporation. Please clear finding.<br>Reviewer Comment (2022-06-08): Cleared in error, Did not receive Articles of Organization/Formation, Exception remains.<br>Reviewer Comment (2022-06-08): Did not received Articles of Organization/Formation , Exception remains.<br>Buyer Comment (2022-06-07): Uploaded. | 06/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344605 | XX | XX |  | 26275964 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing certificate of good standing. [REDACTED] |  |  |  | Reviewer Comment (2022-06-08): Received Certificate of Good Standing , Exception cleared.<br>Buyer Comment (2022-06-07): Uploaded. | 06/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344605 | XX | XX |  | 26275965 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Asset documentation provided for account ending [REDACTED]is less than [REDACTED] months verified. |  |  |  | Reviewer Comment (2022-06-08): Statement additional statement provided for account [REDACTED]. Source of opening funds for account [REDACTED] provided. Exception cleared<br>Buyer Comment (2022-06-07): Uploaded 2 consecutive months bank statements for [REDACTED] and [REDACTED] for [REDACTED]. This account was opened less than 2 months prior and this is the only statement.<br>Buyer Comment (2022-06-07): Uploaded 2 consecutive months bank statements for [REDACTED] and [REDACTED] for [REDACTED]. This account was opened less than 2 months prior and this is the only statement.<br>Buyer Comment (2022-06-07): Uploaded 2 consecutive months bank statements for [REDACTED] and [REDACTED] for [REDACTED] . This account was opened less than [REDACTED] prior and this is the only statement. | 06/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344608 | XX | XX |  | 26275973 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-06-08): Received approval document which matches the [REDACTED], Exception cleared<br>Buyer Comment (2022-06-07): uploaded [REDACTED] & Approval | 06/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344608 | XX | XX |  | 26275974 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow project with current litigation. Case No. [redacted] is a construction defect case filed [redacted] against builder by the [REDACTED] that was dismissed. [REDACTED]filed an appear [redacted]. The association has representation handling the case. No repairs have been completed to date except a cracked sewer line. The main sewer line connecting the development to the city sewer system ruptured due to installation error during construction, causing physical damage to adjacent common areas. This has been repaired; however, these repairs led to other damage requiring additional repairs to be completed. HOA is seeking reimbursement. No other repairs will be made until the conclusion of the litigation due to concerns of spoilation of evidence during the upcoming trial. Defects allege missing insulation in the ledger shelf cavities and steel stud framing cavities at the exterior wall locations between residential floors in the two tower structures. Insulation would limit spread of fire from one tower unit to the units above or below and water intrusion. The HOA is seeking cost of repairs and relocation costs for unit owners when repairs occur and alleges that construction was not in accordance with the building plan or code. Title report does not show a recorded code violation against the project, but we have not verified with [REDACTED]Building Dept. whether code violation exist. Additional claims are corrosion damage and leaking connection in the mechanical rooms at the development. Window assemblies in the residential tower units were defectively designed; there are no sill pans, proper webpage components or other drainage provision designed to direct water from and through the window assembles to the exterior of the building. Note: Reserve study shows that the project has over [redacted] million in reserves assets. An emailed letter of explanation of defects suggests that repairs exceed[REDACTED] million. Between the reserve fund and special assessments, if the [REDACTED]does not win the defect litigation, it could easily make its own repairs to cure defect. Lender exception in file; however, the terms of approval do not match how the loan closed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | [redacted]< [redacted] | SitusAMC,Originator | Reviewer Comment (2022-06-16): [REDACTED] used to waive Exception.<br>Buyer Comment (2022-06-15): uploaded revised except [REDACTED]<br>Reviewer Comment (2022-06-06): [REDACTED] do not match how the loan closed.<br>Reviewer Comment (2022-06-03): [REDACTED] used to waive Exception. |  |  | 6/XX/2022 12:04:29 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344608 | XX | XX |  | 26275975 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor concentration is [REDACTED]% ([REDACTED] of [REDACTED] units) vs. program requirement that no more than [REDACTED]% of the total units in the subject property may be renter occupied. Note: it is likely that off-sire address count/investor count includes 2nd homes that are not tracked by HOA). Lender's Exception Approval is in file; however, the terms of approval do not match how the loan closed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | [redacted]< [redacted] | SitusAMC,Originator | Reviewer Comment (2022-06-16): [REDACTED] used to waive Exception.<br>Buyer Comment (2022-06-15): uploaded revised except [REDACTED]<br>Reviewer Comment (2022-06-06): [REDACTED] do not match how the loan closed.<br>Reviewer Comment (2022-06-03): [REDACTED] used to waive Exception. |  |  | 6/XX/2022 12:04:08 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344608 | XX | XX |  | 26275976 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | DSCR score is [REDACTED]% vs program minimum requirement of [REDACTED]% (Note: Final UW Calculator was missing the HOI premium of [REDACTED] per Final executed HUD). Lender granted Lender Exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | [redacted]< [redacted] | SitusAMC,Originator | Reviewer Comment (2022-06-16): [REDACTED] used to waive Exception.<br>Buyer Comment (2022-06-15): uploaded revised Except [REDACTED]<br>Reviewer Comment (2022-06-09): HOI doc [REDACTED] last page, and closing statement reflects a premium for walls in coverage of [REDACTED]<br>Buyer Comment (2022-06-07): Please [REDACTED] DSCR Calc as[REDACTED]. and Inverse as [REDACTED] (which qualifies) and where the HAZ of [REDACTED]came from. DSCR Calc we have is [REDACTED] on Final Calc. |  |  | 6/XX/2022 12:03:21 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344614 | XX | XX |  | 26276010 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-06-17): [REDACTED] which matches [REDACTED], Exception cleared.<br>Buyer Comment (2022-06-16): [REDACTED] uploaded for your [REDACTED]. | 6/XX/2022 11:05:52 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344614 | XX | XX |  | 26276013 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Policy needs to be effective on or prior to disbursement date. |  |  |  | Reviewer Comment (2022-06-22): Cleared<br>Buyer Comment (2022-06-21): Revised HOI uploaded for you review. | 6/XX/2022 12:04:06 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344614 | XX | XX |  | 26276014 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Missing [REDACTED] Lease Agreements associated with [REDACTED] security deposits credit to Borrower at closing. Subject appraised tenant occupied |  |  |  | Reviewer Comment (2022-06-24): Guidelines allow on [REDACTED]. for actual rents to be taken from purchase contract. doc in file.<br>Reviewer Comment (2022-06-22): Please provide leases for the [REDACTED] units.<br>Buyer Comment (2022-06-21): Please see the actual rent breakdown from the appraisal uploaded for your review.<br>Reviewer Comment (2022-06-20): Please provide a breakout of individual rents.<br>Buyer Comment (2022-06-16): The contract addendum has rental amounts and LOE from borrower states that current tenants are month to month and long time tenants, there are no original leases. | 6/XX/2022 9:08:11 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344616 | XX | XX |  | 26276017 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender on the Appraisal is different than the Lender on the Note, please provide the Appraisal Review with an Approval for the Appraisal Transfer Letter as required. |  |  |  | Reviewer Comment (2022-06-13): Cleared<br>Buyer Comment (2022-06-10): Uploaded Appraisal Review. | 6/XX/2022 3:26:31 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 218344616 | XX | XX |  | 26276018 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing the Initial 1003 from the file. |  |  |  | Reviewer Comment (2022-06-13): Received Initial 1003 , Exception cleared.<br>Buyer Comment (2022-06-10): Uploaded initial 1003. | 6/XX/2022 10:25:19 AM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 218344616 | XX | XX |  | 26276019 |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Missing secondary valuation product required for securitization. |  | Per the appraisal approval the Freddie Mac SSR is a [REDACTED] and as such a CDA is required. |  |  |  | Reviewer Comment (2022-06-22): Lender provided [REDACTED]. for the [REDACTED] that supports the value of the [REDACTED]. Exception cleared.<br>Buyer Comment (2022-06-22): Uploaded CDA. | 6/XX/2022 11:32:18 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 218344617 | XX | XX |  | 26276020 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Missing title final. |  |  |  | Reviewer Comment (2022-06-08): Cleared | 06/08/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  |  | Investment | Refinance - Rate/Term |  | B | A | B | A |  |  | A | A |  | N/A | No |
| 218344617 | XX | XX |  | 26276022 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title policy amount is insufficient. |  |  |  | Reviewer Comment (2022-06-08): Cleared<br>Buyer Comment (2022-06-07): Attached is the final lender policy denoting the correct loan amount as well as the commitment. | 06/08/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  |  | Investment | Refinance - Rate/Term |  | B | A | B | A |  |  | A | A |  | N/A | No |
| 218344619 | XX | XX |  | 26276036 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The EMD fund was paid using an asset account ending # [REDACTED]. Provide [REDACTED] months sourcing as the EMD came from this account and statement provided is less than [REDACTED] months verified. |  |  |  | Reviewer Comment (2022-06-14): Cleared<br>Buyer Comment (2022-06-14): see EMD funds wired transaction<br>Buyer Comment (2022-06-14): see additional bank statement for EMD account. | 6/XX/2022 11:30:13 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 218344619 | XX | XX |  | 26276037 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender on the Appraisal is different than the Lender on the Note, please provide the Appraisal Review with an Approval for the Appraisal Transfer Letter as required. |  |  |  | Reviewer Comment (2022-06-14): Received required documentation. Cleared.<br>Buyer Comment (2022-06-13): see appraisal transfer info and approval | 6/XX/2022 7:38:01 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 218344619 | XX | XX |  | 26276038 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing the Initial 1003's for both borrowers. |  |  |  | Reviewer Comment (2022-06-13): Received Initial 1003 for both the borrowers, Exception cleared.<br>Buyer Comment (2022-06-10): See initial applications | 6/XX/2022 10:28:09 AM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  |  | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 218344621 | XX | XX |  | 26276047 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Verification of housing history was not provided in the loan file. Based on an LOE, borrower lives rent free yet missing a proper lender exception in the loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | Comp factors used to waive exception. | SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-06-24): Lender granted exception approval in loan file.<br>Reviewer Comment (2022-06-24): Cleared in error.<br>Reviewer Comment (2022-06-24): Lender provided an exception that allows no primary housing history for the borrower due to living rent free with mother for [REDACTED] years. Exception cleared.<br>Buyer Comment (2022-06-23): Uploaded exception. |  |  | 6/XX/2022 4:38:26 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Purchase |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218344621 | XX | XX |  | 26276048 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | Flood insurance policy is missing in the loan. Document is required and needs to be provided. |  |  |  | Reviewer Comment (2022-06-14): Received Flood Insurance Policy , exception cleared.<br>Buyer Comment (2022-06-13): Uploaded Flood Policy. | 6/XX/2022 10:09:58 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218344621 | XX | XX |  | 26276049 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide an evidence of access to fund for the business account ending # [REDACTED], [REDACTED] |  |  |  | Reviewer Comment (2022-06-14): Received required documentation. Cleared.<br>Buyer Comment (2022-06-13): Uploaded CPA letter documenting borrower's [REDACTED]. Please clear finding. | 6/XX/2022 11:11:31 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218344621 | XX | XX |  | 26276050 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing the Initial 1003 from the file. |  |  |  | Reviewer Comment (2022-06-14): Received initial 1003 , Exception cleared.<br>Buyer Comment (2022-06-13): Uploaded initial disclosures which include the Initial 1003 which was eSigned by the borrower. | 6/XX/2022 10:01:52 AM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  |  | Investment | Purchase |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218344621 | XX | XX |  | 26276051 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow no primary housing history due to Borrower living rent free with his mother for the past [REDACTED] years vs program restriction the Borrowers without mortgage or rental housing history including Borrowers living rent free are not eligible buy will b considered on a n excpetion basis. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | Comp factors used to waive exception. | SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-06-24): Lender granted exception approval in loan file.<br>Buyer Comment (2022-06-24): Please see attached exception |  |  | 6/XX/2022 4:38:45 PM | 2 |  | B |  | B |  | B |  | B |  | B |  |  | Investment | Purchase |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218344622 | XX | XX |  | 26276052 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-06-14): Received approval and 1008 , Exception cleared.<br>Buyer Comment (2022-06-13): Uploaded approval. | 6/XX/2022 9:40:47 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344622 | XX | XX |  | 26276053 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | [REDACTED] month housing history less than [REDACTED] months. [REDACTED] [REDACTED] owned primary purchased [REDACTED] purchased with no financing, secures [REDACTED] #\[REDACTED]/[REDACTED] # [REDACTED] dated[REDACTED] rated [REDACTED]. Borrower's [REDACTED] [REDACTED] owned prior sold[REDACTED] secured $[REDACTED] dated [REDACTED] that is not rated. Prior is not documented as free and clear when sold. |  |  |  | Reviewer Comment (2022-06-21): Received required documentation. Cleared.<br>Buyer Comment (2022-06-17): Borrower attests on the Executed CD that he has lived at primary address for [REDACTED]. Page 2 of the uploaded Drive Report documents that the home was purchased [REDACTED]. Also provided [REDACTED]. stating that there was no mortgage on the property until [REDACTED]. Also uploaded documentation for the Tax Cert, HOI & HOA per guideline requirements. This documentation should be sufficient to meet guideline requirements for pay history. | 6/XX/2022 2:57:23 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344622 | XX | XX |  | 26276054 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject transaction is a cash out refinance. The LCA/CU score is [REDACTED] or higher, which would require approval from [REDACTED]'s appraisal review department. |  |  |  | Reviewer Comment (2022-06-16): Freddie Mac SSR provided. Exception cleared.<br>Buyer Comment (2022-06-15): Uploaded FHLMC SSR.<br>Reviewer Comment (2022-06-14): Appraisal approval reflects FNMA and Freddie Mac SSR reports were used. Please provide the Freddie Mac SSR report as loan file only contains the FNMA report.<br>Buyer Comment (2022-06-13): Uploaded review. | 6/XX/2022 9:04:13 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344623 | XX | XX |  | 26276055 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing Approval. |  |  |  | Reviewer Comment (2022-06-14): Received approval which matches 1008 , Exception cleared.<br>Buyer Comment (2022-06-14): see approval | 6/XX/2022 9:53:35 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344624 | XX | XX |  | 26276059 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing Approval. |  |  |  | Reviewer Comment (2022-06-15): Received approval and 1008 , Exception cleared.<br>Buyer Comment (2022-06-14): uploaded 1008 & Spproval | 6/XX/2022 9:27:21 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344624 | XX | XX |  | 26276060 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Missing Articles of Organization. |  |  |  | Reviewer Comment (2022-06-15): As long as this is single member LLC , cons9idered Operating agreement , Exception cleared.<br>Buyer Comment (2022-06-14): uploaded Oper Agmnt-Articles | 6/XX/2022 9:35:34 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344624 | XX | XX |  | 26276061 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing Certificate of Good Standing. |  |  |  | Reviewer Comment (2022-06-15): Considered Business Entity listing which shows business Active , Exception cleared.<br>Buyer Comment (2022-06-14): uploaded Active-COGS from PA Website | 6/XX/2022 9:36:59 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344624 | XX | XX |  | 26276062 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is unable to document rental receipts for the subject as rent is paid partially by [REDACTED] with the remaining monthly balance paid in cash (per LOE from borrower he does not deposit the payments into the bank since they do not have a monthly mortgage payment). Allow use of rental income ($[REDACTED]/month to qualify) on subject property documented with lease agreement, borrower LOE that paid via [REDACTED] and cash, [REDACTED] transfers for ([REDACTED] for $[REDACTED], [REDACTED]for $[REDACTED] and [REDACTED] for $[REDACTED]), and Appraisal with market rent of $[REDACTED]/month. Lender granted exception in file. | The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | Comp factor used to waive exception. | SitusAMC,Originator | Reviewer Comment (2022-06-10): Compensating Factors used to waive Exception. |  |  | 6/XX/2022 9:41:37 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344624 | XX | XX |  | 26276063 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lived rent free with his father for over [REDACTED]months from [REDACTED] until the purchase of his current primary residence [REDACTED] (owned free & clear). Allow no primary housing history due to borrower living rent free with his father for over [REDACTED] years until the purchase of his current primary residence owned free and clear. Lender granted exception in file. | The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | Comp factor used to waive exception. | SitusAMC,Originator | Reviewer Comment (2022-06-10): Compensating Factors used to waive Exception. |  |  | 6/XX/2022 9:41:50 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218344626 | XX | XX |  | 26276070 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  |  |  |  |  | Reviewer Comment (2022-06-21): Cleared<br>Buyer Comment (2022-06-20): Drive Report | 6/XX/2022 11:16:47 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344626 | XX | XX |  | 26276071 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2022-06-17): Received Fraud Report , Exception cleared.<br>Buyer Comment (2022-06-16): Drive report for review | 6/XX/2022 1:45:11 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344626 | XX | XX |  | 26276072 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  |  | Reviewer Comment (2022-06-17): Received Fraud Report OFAC report , Exception cleared.<br>Buyer Comment (2022-06-16): Drive report for review | 6/XX/2022 1:45:40 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344626 | XX | XX |  | 26276074 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender on the Appraisal is different than the Lender on the Note, please provide the Appraisal Review with an Approval for the Appraisal Transfer Letter as required. |  |  |  | Reviewer Comment (2022-06-21): FNMA SSR provided. Exception cleared.<br>Buyer Comment (2022-06-20): SSR for review<br>Reviewer Comment (2022-06-20): Appraisal approval reflects both FNMA and Freddie Mac SSR reports were used in approval. Only the Freddie Mac SSR report is present. Please provide the FNMA SSR report.<br>Buyer Comment (2022-06-16): Appraisal Review | 6/XX/2022 11:19:53 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218344626 | XX | XX |  | 26276075 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide clarification for the property taxes, there are discrepancies between the documents provided for the taxes. |  |  |  | Reviewer Comment (2022-06-23): Cleared<br>Buyer Comment (2022-06-22): See Tax Email on Taxes increasing<br>Reviewer Comment (2022-06-21): Tax info sheet already provided. The tax information provided does not match tax impounds as reflected on Closing Statement and IEADS. Taxes as reflected on Tax Info Sheet are less than what is being impounded.<br>Buyer Comment (2022-06-20): Tax info sheet for review<br>Reviewer Comment (2022-06-20): Tax documentation provided does not match the taxes as reflected for impounds. Please provide corrected Tax Information<br>Buyer Comment (2022-06-16): Title for review | 6/XX/2022 11:42:42 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218386859 | XX | XX |  | 26396616 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Missing Credit Application. |  |  |  | Reviewer Comment (2022-03-21): Recived in trailing documents.<br>Seller Comment (2022-03-17): [REDACTED] with Credit Application uploaded. | 3/XX/2022 10:57:14 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 218386859 | XX | XX |  | 26396617 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2022-03-22): Received CDA report hence exception cleared.<br>Reviewer Comment (2022-03-15): Document product provided is a "one-product Recon" that is currently not accepted by the Rating Agencies at this time. Additional information forwarded to seller via email.<br>Seller Comment (2022-03-14): Appraisal Review | 3/XX/2022 10:00:14 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 218386862 | XX | XX |  | 26396624 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | Excess reserves | SitusAMC,Originator,Aggregator | Reviewer Comment (2022-04-26): Waived and downgraded per [REDACTED] email/ sheet based on available compensating factors.<br>Reviewer Comment (2022-04-01): Sending to [REDACTED] for review and waiver consideration. Comp factors are: Excess reserves. There is a lender approved exception in file.<br>Seller Comment (2022-03-30): See attached UW exception from Credit Director. |  |  | 4/XX/2022 2:03:04 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218386862 | XX | XX |  | 26396626 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2022-04-07): Corrected policy received in trailing.<br>Seller Comment (2022-04-07): See attached policy with proper coverage. | 04/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218386863 | XX | XX |  | 26396627 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lease agreements for unit [REDACTED] and [REDACTED] have been expired over [REDACTED] year and the lease agreement indicates month to month. Missing proof of rent received | The representative FICO score exceeds the guideline minimum by at least [REDACTED] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>Borrower has owned the subject property for at least [REDACTED] years.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | High FICO<br>Excess reserves<br>High DSCR | Originator Pre-Close,Originator,Aggregator,SitusAMC<br>Originator Pre-Close,Originator,Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC,Originator,Aggregator | Reviewer Comment (2022-04-26): Waived and downgraded per [REDACTED] email/ sheet based on available compensating factors.<br>Reviewer Comment (2022-04-04): Moving to [REDACTED] for review and waiver consideration. Comp factors are: High DSCR, High FICO and excess reserves.<br>Seller Comment (2022-04-01): UW accepted lease agreements on file with month to month clause not requiring proof of rents given strength of borrower. [REDACTED], [REDACTED], Low [REDACTED], [REDACTED] has completed multiple transactions with [REDACTED]. |  |  | 4/XX/2022 2:03:33 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218386867 | XX | XX |  | 26396641 |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Layered entity ownership. Exception EV2, informational. Client to accept. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386867 | XX | XX |  | 26396642 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Guidelines require a minimum of [REDACTED] months rent loss coverage. Monthly rent for the subject property is $[REDACTED] which requires $[REDACTED] in coverage. |  |  |  | Reviewer Comment (2022-03-23): Received in trailing documents.<br>Seller Comment (2022-03-23): Fair Rental Value Coverage on page 50 is "Up to the limit of liability shown on the policy declarations for additional living expense". This limit on page [REDACTED] is the [REDACTED] or [REDACTED], which is above the required amount of [REDACTED].<br>Seller Comment (2022-03-23): Evidence of Insurance uploaded.<br>Reviewer Comment (2022-03-21): Unable to locate revised EOI in [REDACTED] documents.<br>Seller Comment (2022-03-16): Revised EOI | 3/XX/2022 4:31:20 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386867 | XX | XX |  | 26396643 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Missing Credit Application. |  |  |  | Reviewer Comment (2022-03-21): Received in trailing documents.<br>Seller Comment (2022-03-17): [REDACTED] with Credit Application uploaded. | 3/XX/2022 10:51:15 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386867 | XX | XX |  | 26396645 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The appraisal is dated [REDACTED] with an inspection date of [REDACTED]. |  |  |  | Reviewer Comment (2022-03-15): Corrected appraisal reflecting the effective date received. Data and testing updated. | 3/XX/2022 3:13:04 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386867 | XX | XX |  | 26396647 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2022-03-22): Received CD document. Exception cleared.<br>Reviewer Comment (2022-03-15): Document product provided is a "one-product Recon" that is currently not accepted by the Rating Agencies at this time. Additional information forwarded to seller via email.<br>Seller Comment (2022-03-15): Appraisal review | 3/XX/2022 7:20:02 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386867 | XX | XX |  | 26396648 |  |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | The appraisal is dated [REDACTED] with an effective date of [REDACTED]. |  |  |  | Reviewer Comment (2022-03-15): Corrected appraisal reflecting the effective date received. Data and testing updated. | 3/XX/2022 3:12:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386867 | XX | XX |  | 26396649 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship was not provided |  | Missing guarantor's citizenship status. |  |  |  | Reviewer Comment (2022-06-22): Exception is unrelated to credit guidelines. Citizenship verification is required for securitization.<br>Seller Comment (2022-06-21): [REDACTED] does not require citizenship status be included with 1003. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386867 | XX | XX |  | 26396650 |  |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided |  | Notary date is [REDACTED] and note date is [REDACTED] |  |  |  | Reviewer Comment (2022-03-21): Received in trailing documents.<br>Seller Comment (2022-03-21): New Mortgage Uploaded. | 3/XX/2022 10:54:06 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386867 | XX | XX |  | 26396651 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The Appraisal is dated more than 12 months prior to the note date. |  | The appraisal is dated [REDACTED] with an effective date of [REDACTED]. |  |  |  | Reviewer Comment (2022-03-15): Corrected appraisal reflecting the effective date received. Data and testing updated.<br>Seller Comment (2022-03-15): Appraisal with Fixed Typo<br>Seller Comment (2022-03-14): Appraisal Review | 3/XX/2022 3:12:23 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386867 | XX | XX |  | 26396652 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title commitment reflects the loan policy coverage as $[REDACTED] however closing statement and closing instructions do not reflect the final amount so unable to confirm if title coverage has been updated. |  |  |  | Reviewer Comment (2022-03-21): Updated policy received.<br>Seller Comment (2022-03-18): Updated Title Commitment with new policy amount of [REDACTED] | 3/XX/2022 10:53:51 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386868 | XX | XX |  | 26396653 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Missing Credit Application. |  |  |  | Reviewer Comment (2022-03-21): Recived in trailing documents.<br>Seller Comment (2022-03-17): ABL Package with Credit Application uploaded. | 3/XX/2022 10:57:44 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 218386868 | XX | XX |  | 26396654 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. |  |  |  |  |  | Reviewer Comment (2022-03-22): Received CDA for all Properties ,Exception Cleared.<br>Reviewer Comment (2022-03-17): Received the [REDACTED] Recon in Trailing documents ,Required CDA's in file for all the properties Please provide, Exception remains.<br>Seller Comment (2022-03-16): [REDACTED] - Appraisal Review<br> [REDACTED] - Appraisal Review<br> [REDACTED] = Appraisal Review | 3/XX/2022 7:59:44 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Rate/Term |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 218386868 | XX | XX |  | 26396655 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The certificate of good standing provided in file does not indicate if the borrowing business entity is in good standing. |  |  |  | Reviewer Comment (2022-03-21): Received Certificate of Good Standing hence exception cleared.<br>Seller Comment (2022-03-17): Updated Certificate of Good Standing with active status | 3/XX/2022 12:21:02 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 218386874 | XX | XX |  | 26396669 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  |  |  |  |  | Reviewer Comment (2022-04-04): Provided in TD<br>Seller Comment (2022-04-01): See attached policy [REDACTED]. Please refer to policy change section in which policy period was updated to [REDACTED] | 04/04/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218386875 | XX | XX |  | 26396671 |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | There is layered entity ownership of the borrowing entity. [REDACTED] to advise if they wish to clear |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 218386875 | XX | XX |  | 26396673 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. |  | Borrowers made a down payment from their own funds on this [REDACTED] transaction of at least [REDACTED]% and $[REDACTED].<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [REDACTED]. | Credit exception approval based on[REDACTED] or more compensating factors meeting client criteria. | SitusAMC<br>SitusAMC,Originator Pre-Close,Aggregator | Reviewer Comment (2022-03-15): Credit exception approval based on 2 or more compensating factors meeting client criteria. |  |  | 3/XX/2022 5:39:12 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 218386876 | XX | XX |  | 26396674 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Missing for [REDACTED] |  |  |  | Reviewer Comment (2022-04-04): Received Articles of Organization/Formation for [REDACTED], Exception Cleared.<br>Seller Comment (2022-04-01): See attached Articles of Organization. | 04/04/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218386876 | XX | XX |  | 26396675 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing for [REDACTED] |  |  |  | Reviewer Comment (2022-04-04): Received Certificate of Good Standing for [REDACTED], Exception Cleared.<br>Seller Comment (2022-04-01): See attached [REDACTED] for [REDACTED]. | 04/04/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218386878 | XX | XX |  | 26396680 |  |  | Credit | Document Error | General | Document Error | Loan is cross collateralized and release provisions = No |  |  |  |  |  | Reviewer Comment (2022-03-14): Moved to [REDACTED] for review of seller commentary and waiver consideration<br>Seller Comment (2022-03-14): we are actively working on updating our guidelines to include release provisions language in our loan docs. Please waive this exception for now, or have [REDACTED]'s desk review if needed. |  |  |  | 2 | A | A | A | A | A | A | A | A | A | A |  |  | Investment | Purchase |  | D | D | C | A |  |  | D | D |  | N/A | No |
| 218386878 | XX | XX |  | 26396681 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. |  | There are in [REDACTED] properties on [REDACTED] separate parcels which constitutes a blanket mortgage. The appraisal in file is based on a [REDACTED] unit property which is not accurate and not indicative of the value of the [REDACTED] separate [REDACTED] family properties. We are missing a valuation for each [REDACTED] family property. |  |  |  | Reviewer Comment (2022-03-30): In TD<br>Seller Comment (2022-03-28): Please see attached<br>Seller Comment (2022-03-17): We are working on this and will provide ASAP | 3/XX/2022 1:47:09 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | D | C | A |  |  | D | D |  | N/A | No |
| 218386878 | XX | XX |  | 26396682 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2022-03-30): In TD<br>Seller Comment (2022-03-28): This should clear with the uploaded appraisals right?<br>Reviewer Comment (2022-03-14): Yes<br>Seller Comment (2022-03-14): So this will be cleared once the post close appraisals come back?<br>Reviewer Comment (2022-03-14): This is the result of the file missing the appraisals. | 3/XX/2022 1:46:57 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | D | C | A |  |  | D | D |  | N/A | No |
| 218386878 | XX | XX |  | 26396683 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Corrective addendum for the Note in file is not executed. Please provide an executed copy. |  |  |  | Reviewer Comment (2022-03-18): In TD<br>Seller Comment (2022-03-18): Please see attached<br>Seller Comment (2022-03-17): We are working on this and will provide ASAP<br>Reviewer Comment (2022-03-14): Thanks<br>Seller Comment (2022-03-14): Asked closing | 3/XX/2022 11:22:51 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | D | C | A |  |  | D | D |  | N/A | No |
| 218386878 | XX | XX |  | 26396684 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. |  |  |  |  |  | Reviewer Comment (2022-03-30): In TD | 3/XX/2022 1:46:44 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  |  | Investment | Purchase |  | D | D | C | A |  |  | D | D |  | N/A | No |
| 218386878 | XX | XX |  | 26396685 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Supporting secondary BPO was provided. |  |  |  |  |  | Reviewer Comment (2022-03-30): [REDACTED] to advise if they wish to waive this grade 2 exception |  |  |  | 2 |  | A |  | D |  | A |  | A |  | A |  |  | Investment | Purchase |  | D | D | C | A |  |  | D | D |  | N/A | No |
| 218386881 | XX | XX |  | 26396689 |  |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Missing marital status on a community property state. Spousal consent was not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[REDACTED]. | Excess reserves<br>High DSCR | Originator,Aggregator,SitusAMC<br>SitusAMC,Originator,Aggregator | Reviewer Comment (2022-03-29): Waived / downgraded based on comp factors from [REDACTED]'s exception waiver list. Comp factors are: High [REDACTED] and Excess Reserves. |  |  | 3/XX/2022 9:42:27 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 218386888 | XX | XX |  | 26396701 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Supporting secondary BPO was provided.; Sec ID: 5 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-03-31): Per [REDACTED], OK to waive<br>Buyer Comment (2022-03-30): OK to waive this grade 2 exception<br>Reviewer Comment (2022-03-29): [REDACTED] to advise if they wish to waive this grade 2 exception. |  |  | 3/XX/2022 9:54:27 AM | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Refinance - Cash-out - Other |  | D | D | A | A |  |  | D | D |  | N/A | No |
| 218386890 | XX | XX |  | 26396704 |  |  | Credit | Borrower and Mortgage Eligibility | Credit Eligibility | Borrower and Mortgage Eligibility | Non-permanent Resident Aliens or Foreign Nationals are considered on a case by case basis. Confirm residency requirements with Investor Guidelines. |  | Guarantors do not meet Foreign National or Non Permanent Resident guidelines. Credit reference letters are required per guidelines when [REDACTED] credit scores not evident and FICO of [REDACTED] not met. Missing [REDACTED] credit reference letters for both from a third party. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [REDACTED]. | Reserves<br>DSCR | Aggregator,SitusAMC<br>Aggregator | Reviewer Comment (2022-03-31): Per [REDACTED], OK to waive based on high FICO and excess reserves<br>Buyer Comment (2022-03-31): OK to waive based on stated factors<br>Reviewer Comment (2022-03-31): Moving to [REDACTED] for review and waiver consideration. Verifiable comp factors from the approved list are: High DSCR and Excess Reserves. Email in file from lender approving the exception to move forward with loan despite not having the credit reference letters.<br>Seller Comment (2022-03-30): Please see attached reference letters<br>Seller Comment (2022-03-30): This was presold to [REDACTED] for Foreign national. Please waive |  |  | 3/XX/2022 10:28:36 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218386890 | XX | XX |  | 26396705 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Foreign National borrowers are limited to [REDACTED] LTV. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [REDACTED]. | Reserves<br>DSCR | Aggregator,SitusAMC<br>Aggregator | Reviewer Comment (2022-03-31): Per [REDACTED], OK to waive based on High DSCR and Excess Reserves.<br>Buyer Comment (2022-03-30): ok to waive based on high DSCR and excess reserves<br>Reviewer Comment (2022-03-28): Moved to buyer queue for waiver/ downgrade consideration as this violation is not apparent on the [REDACTED] exception waiver list. Comp factors are [REDACTED] and reserves. |  |  | 3/XX/2022 8:35:26 AM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218386890 | XX | XX |  | 26396706 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The appraisal and appraisal photos confirm tenant occupancy. The lease is required to confirm the correct DSCR calculation on the subject refinance loan. |  |  |  | Reviewer Comment (2022-03-31): Lender states the home is now vacant. Appraisal stated tenant occupied performed [REDACTED]. Per guidelines, [REDACTED]of market rent used. [REDACTED] guidelines have been met.<br>Seller Comment (2022-03-30): This is vacant, please use market rent | 3/XX/2022 8:40:47 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218386898 | XX | XX |  | 26396732 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  |  |  |  |  | Reviewer Comment (2022-03-21): Received OFAC document. Exception cleared.<br>Seller Comment (2022-03-21): See attached for [REDACTED] | 3/XX/2022 4:04:04 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218386898 | XX | XX |  | 26396733 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC search results missing for the subject business entity: [REDACTED]. |  |  |  | Reviewer Comment (2022-03-21): Received OFAC document. Exception cleared.<br>Seller Comment (2022-03-21): See attached. | 3/XX/2022 4:04:11 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218386899 | XX | XX |  | 26396735 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Application not provided |  |  |  |  |  | Reviewer Comment (2022-03-22): Received in trailing documents.<br>Seller Comment (2022-03-21): See attached.<br>Seller Comment (2022-03-21): Please ignore previous uploads - see attached.<br>Seller Comment (2022-03-21): Please see attached. | 3/XX/2022 4:25:20 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | A |  |  | C | B |  | N/A | No |
| 218386899 | XX | XX |  | 26396737 |  |  | Property | Business Purpose | Document Error | Business Purpose | Desk Review value is less than Appraised value by at least [REDACTED]%. |  |  |  |  |  | Reviewer Comment (2022-05-11): Field Review received in trailing documents. Data and testing updated.<br>Reviewer Comment (2022-05-02): Received Field Review for [REDACTED], value is supported. Still waiting for [REDACTED] Field Review to come in.<br>Buyer Comment (2022-04-05): Moving to seller queue. As this is a securitization requirement, we will need this rectified through a field review of the properties in question<br>Seller Comment (2022-03-23): Seller requests buyer review: Per [REDACTED] rental underwriting guidelines, If the CDA or APR is more than [REDACTED] below the appraisal then a Broker Price Opinion (BPO) may be ordered and used to support the appraised value. If that value is also more than [REDACTED] below the appraisal then the CDA or APR must be used to underwrite the value. In this case, we have used BPO to support appraised value.<br>Reviewer Comment (2022-03-22): Per rating agency guidelines, the BPO provided is a lower tiered product than the Desk Review (CDA). Subject property value is not supported by the Desk Review provided.<br>Seller Comment (2022-03-21): See BPO which supports value for [REDACTED] | 5/XX/2022 10:58:07 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | A |  |  | C | B |  | N/A | No |
| 218386899 | XX | XX |  | 26396738 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. |  |  |  |  |  | Reviewer Comment (2022-05-11): Field Review received in trailing documents. Data and testing updated.<br>Reviewer Comment (2022-05-02): Received Field Review for [REDACTED], value is supported. Still waiting for [REDACTED] Field Review to come in.<br>Buyer Comment (2022-04-05): moving to seller queue<br>Buyer Comment (2022-04-05): Moving to seller queue. As this is a securitization requirement, we will need this rectified through a field review of the properties in question<br>Seller Comment (2022-03-23): Seller requests buyer review: Per [REDACTED] rental underwriting guidelines, If the CDA or APR is more than [REDACTED] below the appraisal then a Broker Price Opinion (BPO) may be ordered and used to support the appraised value. If that value is also more than [REDACTED] below the appraisal then the CDA or APR must be used to underwrite the value. In this case, we have used BPO to support appraised value.<br>Reviewer Comment (2022-03-22): Per rating agency guidelines, the BPO provided is a lower tiered product than the Desk Review (CDA). Subject property value is not supported by the Desk Review provided.<br>Seller Comment (2022-03-21): See attached - loan was underwritten to BPO values which match appraisal. | 5/XX/2022 10:57:44 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | A |  |  | C | B |  | N/A | No |
| 218386899 | XX | XX |  | 26396740 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC search results missing for the subject business entity [REDACTED] and Guarantor [REDACTED]. |  |  |  | Reviewer Comment (2022-03-22): Received in trailing documents.<br>Seller Comment (2022-03-21): See attached for [REDACTED] | 3/XX/2022 4:23:09 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | A |  |  | C | B |  | N/A | No |
| 218386899 | XX | XX |  | 26396741 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. |  | EV2, informational. Nothing additional required. |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | A |  |  | C | B |  | N/A | No |
| 218386901 | XX | XX |  | 26396752 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2022-03-09): Received in trailing documents.<br>Seller Comment (2022-03-09): cda | 03/09/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386901 | XX | XX |  | 26396753 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [REDACTED]. | Credit exception approval based on [REDACTED] or more compensating factors meeting client criteria. | SitusAMC<br>SitusAMC,Originator Pre-Close,Aggregator | Reviewer Comment (2022-03-09): Credit exception approval based on 2 or more compensating factors meeting client criteria.<br>Seller Comment (2022-03-09): compensating factors - low LTV [REDACTED], high DSCR [REDACTED], high HPA metric[REDACTED] |  |  | 03/09/2022 | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386911 | XX | XX |  | 26396785 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  | The representative FICO score exceeds the guideline minimum by at least [REDACTED]points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [REDACTED]. | Debt Service Coverage Ratio: [REDACTED]<br> Guideline Requirement: [REDACTED] | SitusAMC<br>SitusAMC<br>SitusAMC,Originator Pre-Close,Aggregator | Reviewer Comment (2022-03-18): Waived and downgraded per [REDACTED] email/ sheet based on available compensating factors.<br>Reviewer Comment (2022-03-15): Moved to buyer queue for waiver/ downgrade consideration as this violation is not apparent on the [REDACTED] exception waiver list.<br>Seller Comment (2022-03-14): Per guidelines this is not needed |  |  | 3/XX/2022 5:39:10 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Rate/Term |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386911 | XX | XX |  | 26396787 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance coverage amount of $[REDACTED] does not cover the loan amount of $[REDACTED]. Coverage is insufficient by $[REDACTED]. | The representative FICO score exceeds the guideline minimum by at least [REDACTED]points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [REDACTED]. | Debt Service Coverage Ratio: [REDACTED]<br> Guideline Requirement: [REDACTED] | SitusAMC<br>SitusAMC<br>SitusAMC,Originator Pre-Close,Aggregator | Reviewer Comment (2022-03-18): Waived and downgraded per [REDACTED] email/ sheet based on available compensating factors.<br>Reviewer Comment (2022-03-15): Moved to buyer queue for waiver/ downgrade consideration as this violation is not apparent on the [REDACTED] exception waiver list.<br>Seller Comment (2022-03-14): Ins has [REDACTED] replacement cost |  |  | 3/XX/2022 5:39:26 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Rate/Term |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386911 | XX | XX |  | 26396788 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2022-03-16): Received Desk Review in trailing documents.<br>Seller Comment (2022-03-16): cda | 3/XX/2022 12:48:40 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Rate/Term |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386912 | XX | XX |  | 26396778 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | Waived and downgraded per [REDACTED] email/ sheet based on available compensating factors. | SitusAMC<br>SitusAMC,Originator Pre-Close,Aggregator | Reviewer Comment (2022-02-09): Waived and downgraded per [REDACTED] email/ sheet based on available compensating factors. |  |  | 02/09/2022 | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Rate/Term |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386912 | XX | XX |  | 26396779 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Note Address: [REDACTED] HOI Address: [REDACTED] |  |  |  | Reviewer Comment (2022-05-10): Corrected Note and Security Instrument received. Data and testing updated.<br>Seller Comment (2022-05-10): Note and Mtg<br>Reviewer Comment (2022-04-13): Unable to confirm borrower has been made aware of the changes. Moved to Buyer queue to advise. Received corrected Note and Mortgage. Borrower acknowledgment not provided. DocuSign ID or other verification of electronic document signature required. Verification of borrower acknowledgment of changes to the Note and Security Instrument required.<br>Seller Comment (2022-04-12): borrower did not have docusign available and wanted to sign online. this has not been a requirement for past similar scenarios<br>Reviewer Comment (2022-03-31): Received corrected Note and Mortgage. Borrower acknowledgment not provided. DocuSign ID or other verification of electronic document signature required. Verification of borrower acknowledgment of changes to the Note and Security Instrument required.<br>Seller Comment (2022-03-31): correct note and mortgage attached. borrower already e-signed the amendment stating they acknowledge and agree to the changes<br>Reviewer Comment (2022-02-22): Exception will be updated when a corrected Note and borrower acknowledgment of the changes is received.<br>Seller Comment (2022-02-18): amendment and LOI | 5/XX/2022 2:03:48 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386912 | XX | XX |  | 26396780 |  |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Note Address: [REDACTED] Flood Certificate and Flood Insurance Address: [REDACTED] |  |  |  | Reviewer Comment (2022-05-10): Corrected Note and Security Instrument received. Data and testing updated.<br>Seller Comment (2022-05-10): Note and Mtg<br>Reviewer Comment (2022-04-13): Unable to confirm borrower has been made aware of the changes. Moved to Buyer queue to advise. Received corrected Note and Mortgage. Borrower acknowledgment not provided. DocuSign ID or other verification of electronic document signature required. Verification of borrower acknowledgment of changes to the Note and Security Instrument required.<br>Seller Comment (2022-04-12): borrower did not have docusign available and wanted to sign online. this has not been a requirement for past similar scenarios<br>Reviewer Comment (2022-03-31): Received corrected Note and Mortgage. Borrower acknowledgment not provided. DocuSign ID or other verification of electronic document signature required. Verification of borrower acknowledgment of changes to the Note and Security Instrument required.<br>Seller Comment (2022-03-31): correct note and mortgage attached. borrower already e-signed the amendment stating they acknowledge and agree to the changes<br>Reviewer Comment (2022-02-22): Exception will be updated when a corrected Note and borrower acknowledgment of the changes is received.<br>Seller Comment (2022-02-18): amendment and LOI | 5/XX/2022 2:03:53 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386912 | XX | XX |  | 26396782 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2022-02-10): Received in trailing documents. | 2/XX/2022 1:28:33 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Rate/Term |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386912 | XX | XX |  | 26396783 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Added following receipt of seller acknowledgment of incorrect address on Note and Security Agreement. Missing Corrected Note and Security Instrument with borrower acknowledgment. LOE provided appears to be e-signed by borrower, however there is no identifying e-sign number on the document provided. Corrections to the Note and SI require borrower acknowledgment. |  |  |  | Reviewer Comment (2022-05-10): Corrected Note and Security Instrument received.<br>Seller Comment (2022-05-10): Note and Mtg<br>Reviewer Comment (2022-04-13): Unable to confirm borrower has been made aware of the changes. Moved to Buyer queue to advise. Received corrected Note and Mortgage. Borrower acknowledgment not provided. DocuSign ID or other verification of electronic document signature required. Verification of borrower acknowledgment of changes to the Note and Security Instrument required.<br>Seller Comment (2022-04-12): borrower did not have docusign available and wanted to sign online. this has not been a requirement for past similar scenarios<br>Reviewer Comment (2022-03-31): Received corrected Note and Mortgage. Borrower acknowledgment not provided. DocuSign ID or other verification of electronic document signature required. Verification of borrower acknowledgment of changes to the Note and Security Instrument required.<br>Seller Comment (2022-03-31): correct note and mortgage attached. borrower already e-signed the amendment stating they acknowledge and agree to the changes | 5/XX/2022 2:04:09 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  |  | Investment | Refinance - Rate/Term |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386912 | XX | XX |  | 26396784 |  |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Added following receipt of corrected Note and Security Instrument updating the subject property address. Data and testing updated. |  |  |  | Reviewer Comment (2022-05-13): Corrected valuations received.<br>Seller Comment (2022-05-12): updated CDA and communication with them<br>Reviewer Comment (2022-05-11): Received updated 1004. Missing updated Desk Review.<br>Seller Comment (2022-05-11): updated address | 5/XX/2022 10:14:55 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  |  | Investment | Refinance - Rate/Term |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 218386917 | XX | XX |  | 26396811 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Seasoning requirement not met for a cash out refinance as the property was owned less than [REDACTED] days at application. Lender exception approval in file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | DSCR<br>FICO | SitusAMC,Aggregator<br>SitusAMC,Aggregator | Reviewer Comment (2022-04-26): Waived and downgraded per [REDACTED] email/ sheet based on available compensating factors.<br>Reviewer Comment (2022-02-10): Moved to buyer queue for waiver/ downgrade consideration as this violation is not apparent on the [REDACTED] exception waiver list. Comp factors are [REDACTED] and [REDACTED] |  |  | 4/XX/2022 2:02:33 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | B |  | N/A | No |
| 218386917 | XX | XX |  | 26396812 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 11 |  |  |  |  |  | Reviewer Comment (2022-03-11): Received CDA report hence exception cleared.<br>Reviewer Comment (2022-02-10): [REDACTED] to order CDA | 3/XX/2022 10:45:40 AM |  |  | 1 | C | A | D | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | B |  | N/A | No |
| 218386917 | XX | XX |  | 26396814 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | B |  | N/A | No |
| 218386919 | XX | XX |  | 26396822 |  |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | [REDACTED] County Water Contamination: Property is located in [REDACTED] and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards |  |  | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[REDACTED].<br>The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | DSCR<br>FICO | Aggregator,SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2022-02-22): Waived and downgraded per [REDACTED], [REDACTED] upper management and CSM emails.<br>Reviewer Comment (2022-02-16): Moved to [REDACTED] per seller. Please advise if you wish to waive as grade 3. Comp factors do not apply to an exception pertaining to a potential contaminated water supply which can affect marketability of the subject property.<br>Seller Comment (2022-02-16): This should not be flagged as it is not part of our credit policy<br>Reviewer Comment (2022-02-09): Public water is the precisely the problem. The municipal water source could be subject to contaminated water.<br>Seller Comment (2022-02-08): Title shows water sewer bill payment, this proves public water. |  |  | 2/XX/2022 4:29:26 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | B |  | N/A | No |
| 218386919 | XX | XX |  | 26396823 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than [REDACTED].; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-02-08): Received Clear Capital CDA hence Exception is cleared.<br>Reviewer Comment (2022-01-20): [REDACTED] to order CDA | 02/08/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | B |  | N/A | No |
| 218386919 | XX | XX |  | 26396824 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-02-09): Moved to [REDACTED]. [REDACTED] to advise if they wish to waive this grade 2 exception<br>Seller Comment (2022-02-08): please move to [REDACTED] |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Purchase |  | D | B | C | B |  |  | D | B |  | N/A | No |
| 218386920 | XX | XX |  | 26396826 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-02-10): [REDACTED] to advise if they wish to waive this grade 2 exception |  |  |  | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Refinance - Cash-out - Other |  | D | D | A | A |  |  | D | D |  | N/A | No |
| 218386921 | XX | XX |  | 26396819 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7 |  |  |  |  |  | Reviewer Comment (2022-03-11): [REDACTED] to advise if they wish to waive this grade 2 exception<br>Reviewer Comment (2022-02-10): [REDACTED] to advise if they wish to waive this grade 2 exception | 3/XX/2022 12:34:16 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | A | A |  |  | C | B |  | N/A | No |
| 218386921 | XX | XX |  | 26396820 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | A | A |  |  | C | B |  | N/A | No |
| 218386922 | XX | XX |  | 26396829 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-11): Received CDA report hence exception cleared.<br>Reviewer Comment (2022-02-10): [REDACTED] to advise if they wish to waive this grade 2 exception | 3/XX/2022 9:44:55 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | A | A | A |  |  | D | A |  | N/A | No |
| 218386923 | XX | XX |  | 26396830 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Layered entity structure with multiple larger financial institutions as the equity contributors to the borrowing entity that did not sign a Borrowing Authorization. Signor [REDACTED] FICO. Entity has approximately [REDACTED] sales since [REDACTED] . Lender Exception Approval is in file: Pack approved to proceed. Loans may proceed without a PG. | Borrower's Experience/Track Record | Waived and downgraded per [REDACTED] email/ sheet based on available compensating factors. | SitusAMC,Aggregator | Reviewer Comment (2022-04-26): Waived and downgraded per [REDACTED] email/ sheet based on available compensating factors.<br>Reviewer Comment (2022-02-10): Moved to buyer to consider waiver and downgrade based on high FICO. |  |  | 4/XX/2022 2:01:04 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218386923 | XX | XX |  | 26396831 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Subject Address on Insurance does not match the Note ([REDACTED] vs. [REDACTED]) |  |  |  | Reviewer Comment (2022-04-28): usps lookup confirms AKA<br>Seller Comment (2022-04-28): Uploaded Zip Code Explanation | 4/XX/2022 6:08:32 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218386924 | XX | XX |  | 26396834 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 11 |  |  |  |  |  | Reviewer Comment (2022-03-11): Received CDA report hence exception cleared.<br>Reviewer Comment (2022-02-10): [REDACTED] to order CDA | 3/XX/2022 11:40:37 AM |  |  | 1 | C | A | D | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386924 | XX | XX |  | 26396835 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Rate/Term |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386925 | XX | XX |  | 26396836 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2021-11-15): Received CDA Report.<br>Seller Comment (2021-09-28): N/A | 11/XX/2021 12:25:32 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | A |  |  | D | B |  | N/A | No |
| 218386925 | XX | XX |  | 26396838 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Schedule B #[REDACTED] shows an open Civil Case against [REDACTED] Case #[REDACTED] in the Court of Common Pleas of [REDACTED]. [REDACTED] to provide consideration as it relates to this pending litigation item on title. |  |  |  | Reviewer Comment (2022-04-28): Final Title in TD confirms no exception for this | 4/XX/2022 6:00:36 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | A |  |  | D | B |  | N/A | No |
| 218386925 | XX | XX |  | 26396839 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7 |  |  |  |  |  | Reviewer Comment (2021-11-29): CDA supports it | 11/XX/2021 12:09:43 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | A |  |  | D | B |  | N/A | No |
| 218386925 | XX | XX |  | 26396840 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-04-28): Waived per [REDACTED]. |  |  | 4/XX/2022 6:01:06 PM | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | A |  |  | D | B |  | N/A | No |
| 218386926 | XX | XX |  | 26396844 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-11): Received CDA document. Exception is cleared.<br>Reviewer Comment (2022-02-10): Waived per [REDACTED]. | 3/XX/2022 10:06:24 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386926 | XX | XX |  | 26396845 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386929 | XX | XX |  | 26396854 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | ARM Error: Initial Rate Minimum was not provided |  | Initial Rate Minimum, as stated on the Note, is less than the Life Rate Minimum, and less than the Margin. Section 3.4 of the note indicates that at the first Change Date the rate will not be less than [REDACTED]%. The same section goes on to say the rate will never be less than the margin. The margin is [REDACTED]% so that would seem to be the life minimum and [REDACTED]% at the first Change Date does not appear to be accurate. |  |  |  | Reviewer Comment (2022-05-16): Re - executed revised note included in TD with lower margin of [REDACTED]% which is now in line with other ARM data, etc.<br>Reviewer Comment (2022-05-16): Initial Rate Minimum, as stated on the Note, is less than the Life Rate Minimum, and less than the Margin. Section 3.4 of the note indicates that at the first Change Date the rate will not be less than [REDACTED]%. The same section goes on to say the rate will never be less than the margin. The margin is [REDACTED]% so that would seem to be the life minimum and [REDACTED]% at the first Change Date does not appear to be accurate.<br>Seller Comment (2022-02-23): Reaching out on Exception<br>Reviewer Comment (2022-02-07): Initial Rate Minimum, as stated on the Note, is less than the Life Rate Minimum, and less than the Margin. Section 3.4 of the note indicates that at the first Change Date the rate will not be less than [REDACTED]%. The same section goes on to say the rate will never be less than the margin. The margin is [REDACTED]% so that would seem to be the life minimum and [REDACTED]% at the first Change Date does not appear to be accurate.<br>Seller Comment (2022-02-07): here is the correct note. Thank you!<br>Seller Comment (2021-09-24): Looking into exception | 5/XX/2022 12:51:23 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | D | C | A |  |  | D | D |  | N/A | No |
| 218386929 | XX | XX |  | 26396855 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 10 | Note Date: ___; Lien Position: ___ | Buyer to advise if they wish to waive this grade 2 exception based solely on [REDACTED] guidance. |  |  |  | Reviewer Comment (2021-08-20): Buyer to advise if they wish to waive this grade 2 exception based solely on [REDACTED] guidance. |  |  |  | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Purchase |  | D | D | C | A |  |  | D | D |  | N/A | No |
| 218386930 | XX | XX |  | 26396857 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-02-10): [REDACTED] to advise if they wish to waive this grade 2 exception |  |  |  | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Refinance - Cash-out - Other |  | D | D | A | A |  |  | D | D |  | N/A | No |
| 218386933 | XX | XX |  | 26396868 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-23): Received CDA, Exception cleared.<br>Reviewer Comment (2022-03-16): [REDACTED] to order CDA | 3/XX/2022 2:19:30 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386933 | XX | XX |  | 26396869 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386934 | XX | XX |  | 26396871 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-23): Received CDA report hence exception cleared.<br>Reviewer Comment (2022-03-16): [REDACTED] to order CDA | 3/XX/2022 1:45:13 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | A | A |  |  | D | A |  | N/A | No |
| 218386935 | XX | XX |  | 26396873 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 11 |  |  |  |  |  | Reviewer Comment (2022-03-23): Received CDA report hence exception cleared.<br>Reviewer Comment (2022-03-17): [REDACTED] to order CDA | 3/XX/2022 1:00:03 PM |  |  | 1 | C | A | D | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386935 | XX | XX |  | 26396874 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Rate/Term |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386936 | XX | XX |  | 26396875 |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | There is layered entity ownership of the borrowing entity. [REDACTED] to advise if they wish to clear this exception that is being set at their request. |  |  |  | Reviewer Comment (2022-03-15): [REDACTED] to advise if they wish to clear this exception that is being set at their request. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | B | B |  |  | D | B |  | N/A | No |
| 218386936 | XX | XX |  | 26396877 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 11 |  |  |  |  |  | Reviewer Comment (2022-03-24): Received CDA, Exception Cleared.<br>Reviewer Comment (2022-03-15): [REDACTED] to order CDA | 3/XX/2022 12:23:11 PM |  |  | 1 | C | A | D | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | B | B |  |  | D | B |  | N/A | No |
| 218386936 | XX | XX |  | 26396878 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | B | B |  |  | D | B |  | N/A | No |
| 218386937 | XX | XX |  | 26396882 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-23): Received CDA, Exception Cleared.<br>Reviewer Comment (2022-03-15): [REDACTED] to order CDA | 3/XX/2022 1:00:25 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386937 | XX | XX |  | 26396883 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386938 | XX | XX |  | 26396880 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is layered entity ownership of the borrowing entity. [REDACTED] to advise if they wish to clear this exception that is being set at their request. | The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | Waived and downgraded per [REDACTED] email/ sheet based on available compensating factors. | SitusAMC,Originator Pre-Close,Aggregator | Reviewer Comment (2022-04-26): Waived and downgraded per [REDACTED] email/ sheet based on available compensating factors.<br>Reviewer Comment (2022-03-16): [REDACTED] to advise if they wish to clear this exception that is being set at their request. |  |  | 4/XX/2022 2:06:05 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218386939 | XX | XX |  | 26396885 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-23): Received CDA, Exception Cleared.<br>Reviewer Comment (2022-03-16): [REDACTED] to order CDA | 3/XX/2022 10:46:22 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | A | A |  |  | D | A |  | N/A | No |
| 218386940 | XX | XX |  | 26396887 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-11): Received CDA document. Exception is cleared.<br>Reviewer Comment (2022-03-04): [REDACTED] to order CDA | 3/XX/2022 2:07:35 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386940 | XX | XX |  | 26396888 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-03-14): [REDACTED] to advise if they wish to waive this grade 2 exception. |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386942 | XX | XX |  | 26396891 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-15): Received CDA report hence exception cleared.<br>Reviewer Comment (2022-03-04): [REDACTED] to order CDA | 3/XX/2022 10:07:17 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | A | A |  |  | D | A |  | N/A | No |
| 218386943 | XX | XX |  | 26396893 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-23): Received CDA, Exception Cleared.<br>Reviewer Comment (2022-03-15): [REDACTED] to order CDA | 3/XX/2022 1:12:14 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386943 | XX | XX |  | 26396894 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386944 | XX | XX |  | 26396896 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-03-23): Buyer to advise if they wish to waive this grade 2 exception based solely on [REDACTED] guidance. |  |  |  | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Purchase |  | D | D | C | A |  |  | D | D |  | N/A | No |
| 218386944 | XX | XX |  | 26396897 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The insurance declarations page indicates the [REDACTED] |  |  |  | Reviewer Comment (2022-04-28): AKA per TD from usps.<br>Seller Comment (2022-04-28): Uploaded Zip Code Explanation | 4/XX/2022 6:03:11 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | D | C | A |  |  | D | D |  | N/A | No |
| 218386946 | XX | XX |  | 26396901 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property owned less than [REDACTED] months seasoning from App date. This represents a guideline violation. | The representative FICO score exceeds the guideline minimum by at least [REDACTED]points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [REDACTED] | FICO<br>DSCR | Aggregator,SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2022-04-26): Waived and downgraded per [REDACTED] email/ sheet based on available compensating factors.<br>Reviewer Comment (2022-03-24): Moved to buyer queue for waiver/ downgrade consideration as this violation is not apparent on the [REDACTED] exception waiver list. Comp factors are DSCR and FICO. |  |  | 4/XX/2022 2:06:46 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | B |  | N/A | No |
| 218386946 | XX | XX |  | 26396903 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-31): Received CDA, Exception Cleared.<br>Reviewer Comment (2022-03-24): [REDACTED] to order CDA | 3/XX/2022 10:48:33 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | B |  | N/A | No |
| 218386946 | XX | XX |  | 26396904 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | B |  | N/A | No |
| 218386947 | XX | XX |  | 26396898 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 11 |  |  |  |  |  | Reviewer Comment (2022-03-31): Received CDA, Exception Cleared.<br>Reviewer Comment (2022-03-25): [REDACTED] to order CDA | 3/XX/2022 10:41:42 AM |  |  | 1 | C | A | D | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386947 | XX | XX |  | 26396900 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Rate/Term |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386948 | XX | XX |  | 26396911 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 11 |  |  |  |  |  | Reviewer Comment (2022-03-31): Received CDA, Exception Cleared.<br>Reviewer Comment (2022-03-25): [REDACTED] to order CDA | 3/XX/2022 12:34:28 PM |  |  | 1 | C | A | D | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386948 | XX | XX |  | 26396912 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Purchase |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386949 | XX | XX |  | 26396914 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-03-24): Buyer to advise if they wish to waive this grade 2 exception based solely on [REDACTED] guidance. |  |  |  | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Purchase |  | D | D | A | A |  |  | D | D |  | N/A | No |
| 218386950 | XX | XX |  | 26396916 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-31): Received CDA, Exception Cleared.<br>Reviewer Comment (2022-03-24): [REDACTED] to order CDA | 3/XX/2022 12:55:03 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386950 | XX | XX |  | 26396917 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386951 | XX | XX |  | 26396919 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 11 |  |  |  |  |  | Reviewer Comment (2022-03-31): Received CDA, Exception Cleared.<br>Reviewer Comment (2022-03-23): [REDACTED] to order CDA | 3/XX/2022 12:38:20 PM |  |  | 1 | C | A | D | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386951 | XX | XX |  | 26396920 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Purchase |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386952 | XX | XX |  | 26396931 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-03-23): Buyer to advise if they wish to waive this grade 2 exception based solely on [REDACTED] guidance. |  |  |  | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Refinance - Cash-out - Other |  | D | D | A | A |  |  | D | D |  | N/A | No |
| 218386953 | XX | XX |  | 26396921 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing Certificate of Good Standing. |  |  |  | Reviewer Comment (2022-04-28): In TD<br>Seller Comment (2022-04-28): Uploaded COG | 4/XX/2022 6:09:19 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218386955 | XX | XX |  | 26396923 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-03-25): Buyer to advise if they wish to waive this grade 2 exception based solely on [REDACTED] guidance. |  |  |  | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Purchase |  | D | D | A | A |  |  | D | D |  | N/A | No |
| 218386956 | XX | XX |  | 26396924 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-31): Received CDA document . Exception cleared.<br>Reviewer Comment (2022-03-25): [REDACTED] to order CDA | 3/XX/2022 10:48:43 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | A | A |  |  | D | A |  | N/A | No |
| 218386957 | XX | XX |  | 26396925 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-31): Received [REDACTED], Exception Cleared.<br>Reviewer Comment (2022-03-25): [REDACTED] to order CDA | 3/XX/2022 1:35:57 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Rate/Term |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386957 | XX | XX |  | 26396926 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Rate/Term |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386958 | XX | XX |  | 26396928 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7 |  |  |  |  |  | Reviewer Comment (2022-03-31): Received CDA document. Exception cleared.<br>Reviewer Comment (2022-03-25): [REDACTED] to order CDA | 3/XX/2022 11:00:13 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | A | A |  |  | C | B |  | N/A | No |
| 218386958 | XX | XX |  | 26396929 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | A | A |  |  | C | B |  | N/A | No |
| 218386959 | XX | XX |  | 26396933 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-31): Received CDA document . Exception cleared.<br>Reviewer Comment (2022-03-25): [REDACTED] to order CDA | 3/XX/2022 11:12:08 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386959 | XX | XX |  | 26396934 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386960 | XX | XX |  | 26396936 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-03-24): Buyer to advise if they wish to waive this grade 2 exception based solely on [REDACTED] guidance. |  |  |  | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Purchase |  | D | D | A | A |  |  | D | D |  | N/A | No |
| 218386961 | XX | XX |  | 26396938 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 11 |  |  |  |  |  | Reviewer Comment (2022-03-31): Received CDA document. Exception cleared.<br>Reviewer Comment (2022-03-25): [REDACTED] to order CDA | 3/XX/2022 11:29:03 AM |  |  | 1 | C | A | D | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386961 | XX | XX |  | 26396939 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386962 | XX | XX |  | 26396941 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-31): Received CDA document. Exception cleared.<br>Reviewer Comment (2022-03-25): [REDACTED] to order CDA | 3/XX/2022 11:19:40 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386962 | XX | XX |  | 26396942 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386963 | XX | XX |  | 26396943 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-31): Received CDA document. Exception cleared.<br>Reviewer Comment (2022-03-24): [REDACTED] to order CDA | 3/XX/2022 12:26:17 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386963 | XX | XX |  | 26396944 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386964 | XX | XX |  | 26396946 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The (Redacted)is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-31): Received CDA, Exception cleared.<br>Reviewer Comment (2022-03-25): [REDACTED] to order CDA | 3/XX/2022 1:34:13 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 218386964 | XX | XX |  | 26396947 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Need VOI confirming PR info |  |  |  | Reviewer Comment (2022-04-28): In TD<br>Seller Comment (2022-04-28): Uploaded [REDACTED] VOI | 4/XX/2022 6:10:18 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 218386965 | XX | XX |  | 26396953 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  | The representative FICO score exceeds the guideline minimum by at least [REDACTED]points. | FICO | SitusAMC,Aggregator | Reviewer Comment (2022-04-26): Waived and downgraded per [REDACTED] email/ sheet based on available compensating factors.<br>Reviewer Comment (2022-03-25): Moved to [REDACTED] queue for waiver and downgrade consideration based on high FICO which is the only verified comp factor from those available in the [REDACTED] criteria. |  |  | 4/XX/2022 2:07:06 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218386966 | XX | XX |  | 26396955 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-03-23): Buyer to advise if they wish to waive this grade 2 exception based solely on [REDACTED] guidance. |  |  |  | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Purchase |  | D | D | A | A |  |  | D | D |  | N/A | No |
| 218386967 | XX | XX |  | 26396951 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-03-23): Buyer to advise if they wish to waive this grade 2 exception based solely on [REDACTED] guidance. |  |  |  | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Purchase |  | D | D | A | A |  |  | D | D |  | N/A | No |
| 218386968 | XX | XX |  | 26396949 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-03-31): Received CDA, Exception cleared.<br>Reviewer Comment (2022-03-24): [REDACTED] to order CDA | 3/XX/2022 1:18:55 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | A | A | A |  |  | D | A |  | N/A | No |
| 218386969 | XX | XX |  | 26396956 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  |  |  | Reviewer Comment (2022-04-28): In TD<br>Seller Comment (2022-04-28): Uploaded Rent Loss Verification Memo | 4/XX/2022 6:12:05 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218386974 | XX | XX |  | 26396966 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-04-06): Received CDA, Exception Cleared.<br>Reviewer Comment (2022-03-30): [REDACTED] to order CDA | 04/06/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386974 | XX | XX |  | 26396967 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Purchase |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386975 | XX | XX |  | 26396969 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 10 | Note Date: ___; Lien Position: ___ | Buyer to advise is they wish to waive this grade 2 exception based solely on the [REDACTED] guidance. |  |  |  | Reviewer Comment (2022-04-01): Buyer to advise is they wish to waive this grade 2 exception based solely on the [REDACTED] guidance. |  |  |  | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Refinance - Cash-out - Other |  | D | D | A | A |  |  | D | D |  | N/A | No |
| 218386977 | XX | XX |  | 26396972 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-03-31): Buyer to advise if they wish to waive this grade 2 exception based solely on [REDACTED] guidance. |  |  |  | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Refinance - Cash-out - Other |  | D | D | A | A |  |  | D | D |  | N/A | No |
| 218386979 | XX | XX |  | 26396976 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 11 |  |  |  |  |  | Reviewer Comment (2022-04-06): Received CDA, Exception Cleared.<br>Reviewer Comment (2022-03-31): [REDACTED] to order CDA | 04/06/2022 |  |  | 1 | C | A | D | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386979 | XX | XX |  | 26396977 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Purchase |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386980 | XX | XX |  | 26396978 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-04-06): Received CDA, Exception Cleared.<br>Reviewer Comment (2022-03-31): [REDACTED] to order CDA | 04/06/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386980 | XX | XX |  | 26396979 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386983 | XX | XX |  | 26396985 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-04-06): Received CDA document. Exception cleared.<br>Reviewer Comment (2022-03-31): [REDACTED] to order CDA | 04/06/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | B | B |  |  | D | A |  | N/A | No |
| 218386983 | XX | XX |  | 26396986 |  |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  |  |  |  |  | Reviewer Comment (2022-03-31): Moved to buyer queue for waiver/ downgrade consideration as this violation is not apparent on the [REDACTED] exception waiver list. Comp factors are DSCR and LTV. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | B | B |  |  | D | A |  | N/A | No |
| 218386984 | XX | XX |  | 26396988 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-04-06): Received CDA document. Exception cleared.<br>Reviewer Comment (2022-03-31): [REDACTED] to order CDA | 04/06/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | A | A | A |  |  | D | A |  | N/A | No |
| 218386988 | XX | XX |  | 26396993 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-03-30): Buyer to advise if they wish to waive this grade 2 exception based solely on [REDACTED] guidance. |  |  |  | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Refinance - Cash-out - Other |  | D | D | A | A |  |  | D | D |  | N/A | No |
| 218386989 | XX | XX |  | 26396996 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  |  |  | Reviewer Comment (2022-05-13): Confirmed via online research that DP3 coverage does always include rent loss coverage<br>Seller Comment (2022-05-12): uploaded a new document. It confirms the policy type is a DP3. Loss of use is an included peril in DP3 policies, and this is the same things as rent loss coverage<br>Seller Comment (2022-05-11): Just received a message back from [REDACTED] - must verify with the insurance company. The [REDACTED] is an "interested party". Reaching out for documentation<br>Seller Comment (2022-05-11): Per [REDACTED] - [REDACTED] was also the [REDACTED] on this transaction. Often time with [REDACTED] files we have no actual contact with either the c/a or insurance agent, everything filters through the broker unless they explicitly give us permission to reach out to 3rd parties. I would think a [REDACTED] confirmation would suffice in this case<br>Reviewer Comment (2022-05-11): We need something from the insurance agent stating rent loss is included on the Hazard Policy. The email that was provided in trailing docs is not from the insurance company.<br>Seller Comment (2022-05-11): Uploaded Email Confirmation of Rent Loss<br>Reviewer Comment (2022-04-18): We need something from the insurance agent stating rent loss is included on the Hazard Policy. The email that was provided in trailing docs is not from the insurance company.<br>Seller Comment (2022-04-15): Uploaded Rent Loss Memo - confirmation at bottom of page 1<br>Reviewer Comment (2022-04-13): Policy provided in trailing docs is the same policy already in file. Policy does not show rent loss coverage.<br>Seller Comment (2022-04-12): Uploading proof of rental insurance | 5/XX/2022 10:11:03 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218386990 | XX | XX |  | 26396998 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [REDACTED] criteria.; Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-03-31): Buyer to advise if they wish to waive this grade 2 exception based solely on [REDACTED] guidance. |  |  |  | 2 | A | A | D | D | A | A | A | A | A | A |  |  | Investment | Refinance - Rate/Term |  | D | D | A | A |  |  | D | D |  | N/A | No |
| 218386992 | XX | XX |  | 26397001 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  | AVM FSD of .22 is greater than 0.2. |  |  |  | Reviewer Comment (2022-04-06): Received CDA, Exception cleared.<br>Reviewer Comment (2022-03-31): [REDACTED] to order CDA | 04/06/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386992 | XX | XX |  | 26397003 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 |  | A |  | A |  | A |  | A |  | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | A | A |  |  | D | B |  | N/A | No |
| 218386993 | XX | XX |  | 26397005 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 |  |  |  |  |  | Reviewer Comment (2022-04-08): Received CDA, Exception cleared.<br>Reviewer Comment (2022-03-31): [REDACTED] to order CDA | 04/08/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | A | A | A |  |  | D | A |  | N/A | No |
| 218386998 | XX | XX |  | 26397015 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DocuSign Credit Authorization not provided |  |  |  | Reviewer Comment (2022-03-11): In TD<br>Seller Comment (2022-03-10): Please, see attached | 3/XX/2022 9:14:02 AM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218386998 | XX | XX |  | 26397016 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2022-02-11): Provided in TD<br>Seller Comment (2022-02-11): COGS | 2/XX/2022 12:14:01 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218386998 | XX | XX |  | 26397018 |  |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | Effective date of the valuation in file is [REDACTED] while the note date [REDACTED]. Per guidelines, Appraisals dated within (Redacted) days of closing date are required. Appraisals dated between (Redacted) and (Redacted) days can be accepted with a recertification of value. |  |  |  | Reviewer Comment (2022-04-25): new appraisal provided in TD<br>Seller Comment (2022-04-24): Attached. Please clear this exception.<br>Reviewer Comment (2022-03-11): Need recertification. This is taken directly from your guidelines: Appraisals dated within [REDACTED] days of closing date are required. Appraisals dated between [REDACTED] and [REDACTED] days can be accepted with a recertification of value. The appraisal and desk review are both older than [REDACTED] days, as the effective dates are used to determine this. Per your guidelines, a recertification of value is required.<br>Seller Comment (2022-03-10): Please, see attached<br>Reviewer Comment (2022-02-16): This is taken directly from your guidelines: Appraisals dated within [REDACTED] days of closing date are required. Appraisals dated between [REDACTED] and [REDACTED] days can be accepted with a recertification of value. The appraisal and desk review are both older than [REDACTED] days, as the effective dates are used to determine this. Per your guidelines, a recertification of value is required.<br>Seller Comment (2022-02-15): Nowhere in our guidelines does it say the effective date needs to be dated less than [REDACTED] days prior to the note day.<br>Seller Comment (2022-02-15): Uploaded both documents. As per guidelines, there is no need to have the same exact date. Please clear with condition | 4/XX/2022 10:15:21 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218386998 | XX | XX |  | 26397019 |  |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than (Redacted) days prior to the note date. |  | Credit report is dated between (Redacted) and (Redacted) days prior to the note date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | Excess reserves | SitusAMC,Aggregator | Reviewer Comment (2022-02-01): Waived and downgraded per [REDACTED].<br>Buyer Comment (2022-02-01): OK to waive based on excess reserves<br>Reviewer Comment (2022-01-13): Moved to [REDACTED] queue for waiver and downgrade consideration based on excess reserves which is the only verified comp factor from those available in the [REDACTED] criteria. |  |  | 02/01/2022 | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218386998 | XX | XX |  | 26397020 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Loan Documents and Appraisal 1007 verify Borrower address is (Redacted)of the (Redacted) subject property units |  |  |  | Reviewer Comment (2022-03-11): Business Purpose Cert, DL address change and the presence of [REDACTED] separate leases on this [REDACTED] unit property remedy the concern that the guarantor resides the subject property. It would appear that the guarantor vacated the residence upon execution of the lease agreements.<br>Seller Comment (2022-03-11): Please, see attached<br>Reviewer Comment (2022-03-02): BPC does not supersede other documents in the loan file.<br>Seller Comment (2022-03-02): The borrower signed the loan for business purpose document. Therefore, it is said by them that the asset is being used for business and not for personal use.<br>Please clear the exception. | 3/XX/2022 10:43:39 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218387000 | XX | XX |  | 26397025 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of ___ does not match Calculated P&I of ___ |  |  |  |  | Reviewer Comment (2022-05-23): Correction in TD. | 5/XX/2022 11:32:02 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218387000 | XX | XX |  | 26397026 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2021-10-12): Received PDI showing no damage | 10/XX/2021 5:49:11 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218387007 | XX | XX |  | 26397067 |  |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | CDA address is missing [REDACTED] |  |  |  | Reviewer Comment (2022-03-11): In TD<br>Seller Comment (2022-03-10): Please, see attached | 3/XX/2022 9:17:14 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218387008 | XX | XX |  | 26397055 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | Reserves | SitusAMC,Aggregator | Reviewer Comment (2022-03-16): Waived and downgraded per [REDACTED].<br>Buyer Comment (2022-03-16): Ok to waive based on excess reserves<br>Reviewer Comment (2022-03-14): Moved to [REDACTED] queue for waiver and downgrade consideration based on excess reserves which is the only verified comp factor from those available in the [REDACTED] criteria. |  |  | 3/XX/2022 2:41:27 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387008 | XX | XX |  | 26397056 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are (Redacted)guarantors on the loan, but only (Redacted)financial statement in file. The financial statement in file does not have a name on it and is not dated. Please provide a personal financial statement for (Redacted)guarantors that includes their name and is also dated. |  |  |  | Reviewer Comment (2022-04-07): In TD<br>Reviewer Comment (2022-04-07): PFS for [REDACTED] is blank. Please provide a PFS for [REDACTED]<br>Seller Comment (2022-04-07): Please, see attached | 04/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387008 | XX | XX |  | 26397057 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Please provide the (Redacted) card for guarantor (Redacted). |  |  |  | Reviewer Comment (2022-03-21): In TD<br>Seller Comment (2022-03-21): Please, see attached | 3/XX/2022 9:54:27 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387019 | XX | XX |  | 26397123 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2022-05-16): Closing statement in TD confirms sufficient proceeds from cash out to cover subject funds to close and reserves.<br>Seller Comment (2022-05-13): OA for closing entity<br>Seller Comment (2022-05-13): HUD from previous borrower closing where he got a cash out of [REDACTED] which counts as the sufficient liquidity he needs to [REDACTED] and have post close liquidity<br>Reviewer Comment (2022-04-19): The original source of the funds that the [REDACTED] was holding for this [REDACTED] has not been documented with third party evidence (such as the HUD from a prior sale, original bank statements where the money was withdrawn from the borrower's account, etc.). Compensating factors are also not verified via third party documentation so we are unable to downgrade the exception based on comp factors.<br>Buyer Comment (2022-04-19): can we downgrade to an EV2?<br>Reviewer Comment (2022-04-13): Moving to [REDACTED] for review and waiver consideration. There are no verifiable comp factors. Letter in file from attorney dated [REDACTED] stating borrower has [REDACTED] in an escrow account. LOE from borrower stating that money was deposited for the purchase of another home months ago that fell through. He left the money in the account to purchase the subject property.<br>Seller Comment (2022-04-13): Please, see LOE<br>Reviewer Comment (2022-04-12): Guidelines require [REDACTED] consecutive months' statements to document funds to close. The source of the funds reflected on the trailing escrow agreement are not known.<br>Seller Comment (2022-04-12): Find the document that shows the reason of having enough cash.<br> Please clear the exception.<br>Reviewer Comment (2022-03-18): Guidelines require [REDACTED] consecutive months' statements to document funds to close. The source of the funds reflected on the trailing escrow agreement are not known.<br>Seller Comment (2022-03-18): Please, see enough liquidity in the escrow letter | 5/XX/2022 9:19:11 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218387019 | XX | XX |  | 26397124 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2022-05-16): Closing statement in [REDACTED] confirms sufficient proceeds from cash out to cover subject funds to close and reserves.<br>Seller Comment (2022-05-13): HUD from previous borrower closing where he got a cash out of [REDACTED] which counts as the sufficient liquidity he needs to purchase and have post close liquidity<br>Reviewer Comment (2022-04-19): The original source of the funds that the [REDACTED] was holding for this purchase has not been documented with third party evidence (such as the HUD from a prior sale, original bank statements where the money was withdrawn from the borrower's account, etc.). Compensating factors are also not verified via third party documentation so we are unable to downgrade the exception based on comp factors.<br>Buyer Comment (2022-04-19): Can we downgrade to an EV2?<br>Reviewer Comment (2022-04-13): Moving to [REDACTED] for review and waiver consideration. There are no verifiable comp factors. Letter in file from attorney dated [REDACTED] stating borrower has [REDACTED] in an escrow account. LOE from borrower stating that money was deposited for the [REDACTED] of another home months ago that fell through. He left the money in the account to [REDACTED] the subject property.<br>Seller Comment (2022-04-13): Please, see LOE<br>Reviewer Comment (2022-03-18): Guidelines require [REDACTED] consecutive months' statements to document funds to close. The source of the funds reflected on the trailing escrow agreement are not known.<br>Seller Comment (2022-03-18): Please, see enough liquidity in the escrow letter | 5/XX/2022 9:18:11 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218387023 | XX | XX |  | 26397127 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Need an updated hazard binder reflecting the same address as the note. Note reflects [REDACTED], while the insurance document reflects [REDACTED]. |  |  |  | Reviewer Comment (2022-05-17): In TD<br>Seller Comment (2022-05-17): Premium amount via email from insurance agent<br>Reviewer Comment (2022-05-16): Trailing new policy reflects correct address but reflects a new coverage without confirming the new premium so an accurate DSCR can be calculated<br>Seller Comment (2022-05-16): attached revised binder<br>Reviewer Comment (2022-05-04): Address on trailing doc is still incorrect. Address needs to read: <br> [REDACTED] which is the address listed on the [REDACTED]<br>Seller Comment (2022-05-04): Attached revised | 5/XX/2022 2:15:46 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218387025 | XX | XX |  | 26397129 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | Reserves | SitusAMC,Aggregator | Reviewer Comment (2022-03-24): Waived and downgraded per [REDACTED].<br>Buyer Comment (2022-03-24): OK to waive based on high FICO and excess reserves<br>Reviewer Comment (2022-03-17): Moved to buyer queue for waiver/ downgrade consideration as this violation is not apparent on the [REDACTED] exception waiver list. Comp factors are FICO and reserves. |  |  | 3/XX/2022 4:11:53 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387026 | XX | XX |  | 26397131 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing for the Guarantor |  |  |  | Reviewer Comment (2022-03-23): In TD<br>Seller Comment (2022-03-22): Please, see attached | 3/XX/2022 12:26:31 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 218387031 | XX | XX |  | 26397145 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Citizenship Affidavit document was not received |  |  |  | Reviewer Comment (2022-04-06): Provided in TD<br>Seller Comment (2022-04-05): Please, see attached<br>Reviewer Comment (2022-03-24): Trailing doc is blank<br>Seller Comment (2022-03-23): Please, see attached | 04/06/2022 |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218387031 | XX | XX |  | 26397146 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | Reserves | SitusAMC,Aggregator | Reviewer Comment (2022-03-24): Waived and downgraded per [REDACTED]<br>Buyer Comment (2022-03-24): OK to waive based on excess reserves<br>Reviewer Comment (2022-03-18): Moved to [REDACTED] queue for waiver and downgrade consideration based on high reserves which is the only verified comp factor from those available in the [REDACTED] criteria. |  |  | 3/XX/2022 4:13:53 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218387033 | XX | XX |  | 26397152 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months. | Reserves | SitusAMC,Aggregator | Reviewer Comment (2022-04-19): Waived and downgraded per [REDACTED]<br>Buyer Comment (2022-04-19): Ok to waive based on high reserves<br>Reviewer Comment (2022-04-05): Moved to [REDACTED] queue for waiver and downgrade consideration based on high reserves which is the only verified comp factor from those available in the [REDACTED] criteria.<br>Seller Comment (2022-04-05): Comp factors: high net worth [REDACTED], low loan amount [REDACTED]<br>Reviewer Comment (2022-04-05): Lender using [REDACTED] for in place rent. Lease agreement provided in file shows rent at [REDACTED]. Please provide the new lease showing [REDACTED]<br>Seller Comment (2022-04-04): Please, note that DSCR is above [REDACTED]. See our calculation attached.<br>Buyer Comment (2022-03-30): moving to Seller queue. Tape we received had calculated DSCR at [REDACTED]<br>Reviewer Comment (2022-03-23): Moved to [REDACTED] queue for waiver and downgrade consideration based on excess reserves which is the only verified comp factor from those available in the [REDACTED] criteria. |  |  | 4/XX/2022 3:54:20 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218387033 | XX | XX |  | 26397153 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing the personal financial statement for the guarantor. |  |  |  | Reviewer Comment (2022-03-24): In TD<br>Seller Comment (2022-03-24): Find attached the personal financial statement and the proof of the date when it was made.<br>Please clear the exception | 3/XX/2022 1:46:14 PM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218387033 | XX | XX |  | 26397154 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | HUD in file is not signed. Please provide an executed copy. |  |  |  | Reviewer Comment (2022-03-25): In TD<br>Seller Comment (2022-03-25): Please, find the executed final HUD attached<br>Reviewer Comment (2022-03-24): We need the executed closing statement on the subject transaction. The trailing document is dated in [REDACTED]. We don't need that.<br>Seller Comment (2022-03-24): Find it attached, please clear the exception | 3/XX/2022 2:35:50 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218387034 | XX | XX |  | 26397155 |  |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | ▪ Public debt such as Judgments, Tax Liens, Charge-offs, Non-Medical Collections Must Be Paid in Full or in Satisfactory<br> Status and Borrower must provide evidence of being current on payment plan for a minimum of [REDACTED] months prior to close | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves<br>DSCR | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2022-03-24): Waived and downgraded per [REDACTED]<br>Buyer Comment (2022-03-24): Ok to waive based on high DSCR and excess reserves<br>Reviewer Comment (2022-03-22): Moved to buyer queue for waiver/ downgrade consideration as this violation is not apparent on the [REDACTED] exception waiver list. Comp factors are DSCR and reserves. |  |  | 3/XX/2022 4:50:44 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 218387036 | XX | XX |  | 26397158 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing the personal financial statement for the guarantor. |  |  |  | Reviewer Comment (2022-05-16): In TD<br>Seller Comment (2022-05-13): PFS<br>Reviewer Comment (2022-05-12): Still need dated PFS for the guarantor<br>Seller Comment (2022-05-12): See attached.<br>Reviewer Comment (2022-03-25): Trailing document is outdated<br>Seller Comment (2022-03-25): PFA | 5/XX/2022 9:12:53 AM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 218387036 | XX | XX |  | 26397159 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The insurance policy lists the subject's address as [REDACTED], whereas the Note lists the address as [REDACTED]. |  |  |  | Reviewer Comment (2022-03-25): Revision included in TD<br>Seller Comment (2022-03-25): INS Binder | 3/XX/2022 12:52:18 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 218387037 | XX | XX |  | 26397160 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Excess reserves<br>High DSCR | Originator,Aggregator,SitusAMC<br>SitusAMC,Originator,Aggregator | Reviewer Comment (2022-03-23): Waived / downgraded based on comp factors from [REDACTED] exception waiver list. Comp factors are: High DSCR and Excess reserves |  |  | 3/XX/2022 1:00:20 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218387037 | XX | XX |  | 26397162 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Please provide the personal financial statement for the guarantor. The PFS in file is blank. |  |  |  | Reviewer Comment (2022-03-25): In TD<br>Seller Comment (2022-03-25): PFS<br>Reviewer Comment (2022-03-24): Trailing doc is not dated<br>Seller Comment (2022-03-24): Find the requested document attached. <br>Please clear the exception. | 3/XX/2022 1:05:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  |  | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 218387038 | XX | XX |  | 26397163 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. |  | The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR | SitusAMC,Aggregator | Reviewer Comment (2022-03-21): Waived/ downgraded based on [REDACTED] waiver policy. Comp factors are DSCR and FICO. |  |  | 3/XX/2022 10:06:49 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387038 | XX | XX |  | 26397164 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. |  | The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR | SitusAMC,Aggregator | Reviewer Comment (2022-03-21): Waived/ downgraded based on [REDACTED] waiver policy. Comp factors are DSCR and FICO. |  |  | 3/XX/2022 10:08:41 AM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387038 | XX | XX |  | 26397165 |  |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than (Redacted) days prior to the note date. |  | Credit report is dated [REDACTED]. | The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR | SitusAMC,Aggregator | Reviewer Comment (2022-03-24): Waived and downgraded per [REDACTED]<br>Buyer Comment (2022-03-24): OK to waive based on high DSCR and high FICO<br>Reviewer Comment (2022-03-21): Moved to buyer queue for waiver/ downgrade consideration as this violation is not apparent on the [REDACTED]exception waiver list. Comp factors are DSCR and FICO. |  |  | 3/XX/2022 4:07:05 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387038 | XX | XX |  | 26397166 |  |  | Credit | Business Purpose | General | Business Purpose | The sum of the Property Loan Amounts for listed properties exceeds the Loan Amount |  |  | The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR | SitusAMC,Aggregator | Reviewer Comment (2022-03-24): Waived and downgraded per [REDACTED].<br>Buyer Comment (2022-03-24): Ok to waive based on stated factors<br>Reviewer Comment (2022-03-22): Schedule C reflects [REDACTED]. The loan amount is [REDACTED]. Moved to buyer queue to confirm waiver and downgrade is appropriate based on apparent rounding. Comp factors are DSCR and FICO.<br>Seller Comment (2022-03-21): This is not true, the loan amounts sum the total loan amount. Please see the mortgage. |  |  | 3/XX/2022 4:07:22 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387039 | XX | XX |  | 26397173 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2022-03-29): In TD<br>Seller Comment (2022-03-29): Find attached the requested document.<br>Please clear this exception. | 3/XX/2022 2:36:15 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387039 | XX | XX |  | 26397174 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $[REDACTED] doesn't cover the loan amount of $[REDACTED]. Replacement cost new on appraisal is $[REDACTED]. |  |  |  | Reviewer Comment (2022-03-29): Updated policy in TD<br>Seller Comment (2022-03-28): invouce<br>Seller Comment (2022-03-28): binder<br>Seller Comment (2022-03-28): you have a wrong binder this is the correct one | 3/XX/2022 9:06:51 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387039 | XX | XX |  | 26397175 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Business bank statements provided in the name of [REDACTED]. Unable to use access due to the file missing the ownership docs. Please provide the Bylaws / Operating agreement so we can verify ownership percentage and access to funds. |  |  |  | Reviewer Comment (2022-03-29): In TD - HUD to confirm [REDACTED] from another [REDACTED] transaction<br>Seller Comment (2022-03-28): HUD<br>Seller Comment (2022-03-28): borrower used a cash out from another deal to [REDACTED] this proeprty. HUD attached and happened on same day | 3/XX/2022 9:04:35 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387039 | XX | XX |  | 26397176 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Business bank statements provided in the name of [REDACTED]. Unable to use access due to the file missing the ownership docs. Please provide the Bylaws / Operating agreement so we can verify ownership percentage and access to funds. | The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR | Originator,SitusAMC,Aggregator | Reviewer Comment (2022-03-24): Waived/ downgraded based on [REDACTED] waiver policy. Comp factors are DSCR and FICO. |  |  | 3/XX/2022 1:00:33 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387039 | XX | XX |  | 26397177 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are 2 operating agreements in file for [REDACTED], both of which are dated [REDACTED]. One of the operating agreements shows our guarantor is [REDACTED] owner. The other operating agreement shows our guarantor is [REDACTED] owner. Please provide an executed amendment showing the correct ownership percentage. |  |  |  | Reviewer Comment (2022-03-29): Attorney confirmation of [REDACTED] and [REDACTED] is sufficient. UWC also signed by both members to confirm.<br>Seller Comment (2022-03-29): Find attached the email by the attorneys confirming that the valid operating agreement is the one of [REDACTED] and [REDACTED]. Please clear this exception. | 3/XX/2022 2:38:09 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387039 | XX | XX |  | 26397178 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Appraisal shows all (Redacted)units of the subject property are tenant occupied. Leases for (Redacted)of the units were provided in the file. Please provide the lease agreement for unit (Redacted). Guidelines require leases on all properties for (Redacted) loans. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [REDACTED] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Excess reserves<br>DSCR | Originator,Aggregator,SitusAMC<br>Originator,SitusAMC,Aggregator | Reviewer Comment (2022-03-31): Per [REDACTED], OK to waive based on High DSCR and Excess Reserves.<br>Buyer Comment (2022-03-30): OK to waive based on high DSCR and high FICO<br>Reviewer Comment (2022-03-29): Moved to buyer queue for waiver/ downgrade consideration as this violation is not apparent on the [REDACTED] exception waiver list. Comp factors are DSCR and FICO.<br>Seller Comment (2022-03-28): our guidelines allow for [REDACTED] of [REDACTED] units to be occupied at closing. Risk is mitiagted with a borrower with plenty of liquidity as can be seen from the cash out of other deal HUD was uploaded to and a DSCR over [REDACTED] |  |  | 3/XX/2022 9:29:41 AM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387041 | XX | XX |  | 26397168 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [REDACTED]%. | LTV and FICO | SitusAMC,Aggregator | Reviewer Comment (2022-03-23): Waived/ downgraded based on [REDACTED]waiver policy. Comp factors are FICO and LTV. |  |  | 3/XX/2022 1:59:14 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387041 | XX | XX |  | 26397169 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [REDACTED]%. | LTV and FICO | SitusAMC,Aggregator | Reviewer Comment (2022-03-23): Waived/ downgraded based on [REDACTED]waiver policy. Comp factors are FICO and LTV. |  |  | 3/XX/2022 1:59:24 PM | 2 | B | B | B | B | B | B | B | B | B | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387041 | XX | XX |  | 26397170 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of (Redacted) Status not provided |  | Please provide the (Redacted) card for the guarantor. |  |  |  | Reviewer Comment (2022-03-25): In TD<br>Seller Comment (2022-03-25): PRC and extension letter | 3/XX/2022 1:04:40 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387041 | XX | XX |  | 26397171 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard policy provided is a quote, and not an actual bound policy. Please provide the actual policy which includes the effective and expiration dates. |  |  |  | Reviewer Comment (2022-04-04): Provided in TD<br>Seller Comment (2022-04-01): Please, see attached<br>Reviewer Comment (2022-03-28): Received Hazard insurance binder document is with out details. Required Hazard insurance document with all details. Please provide the same.<br>Seller Comment (2022-03-25): INS BInder | 04/04/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 218387043 | XX | XX |  | 26397179 |  |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  |  | Borrower's Experience/Track Record | FICO [REDACTED]points over the guideline minimum is a comp factor by definition in the [REDACTED] Waiver Policy. | SitusAMC,Aggregator | Reviewer Comment (2022-03-24): Waived and downgraded per [REDACTED]<br>Buyer Comment (2022-03-24): Ok to waive based on high FICO<br>Reviewer Comment (2022-03-24): Moved to [REDACTED] queue for waiver and downgrade consideration based on high FICO which is the only verified comp factor from those available in the [REDACTED]criteria. |  |  | 3/XX/2022 4:45:30 PM | 2 | C | B | C | B | C | B | C | B | C | B |  |  | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 219396952 | XX | XX |  | 27621330 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2022-05-24): CDA's were batch uploaded by deal setup team | 5/XX/2022 12:48:43 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  |  | Investment | Purchase |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 219396952 | XX | XX |  | 27621332 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of (Redacted) Status not provided |  | Application reflects (Redacted), Fraud Report reflects (Redacted). Other conditions may apply. |  |  |  | Reviewer Comment (2022-05-26): Verification of [REDACTED] is provided Doc ID: [REDACTED], Hence Cleared the Exception.<br>Buyer Comment (2022-05-25): see attached.<br>Buyer Comment (2022-05-25): see attached<br>Buyer Comment (2022-05-20): Reached out. | 5/XX/2022 7:53:57 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  |  | Investment | Purchase |  | D | A | C | A |  |  | D | A |  | N/A | No |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

---

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| ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Multi Property Report** | **Multi Property Report** | **Multi Property Report** | **Multi Property Report** | **Multi Property Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 1/19/2023 9:40:23 PM** | **Run Date - 1/19/2023 9:40:23 PM** | **Run Date - 1/19/2023 9:40:23 PM** | **Run Date - 1/19/2023 9:40:23 PM** | **Run Date - 1/19/2023 9:40:23 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Collateral ID** | **Loan Flag** | **Loan Status** | **Loan Status Date** | **Originator** | **Property Address** | **City** | **State** | **Zip Code** | **Original Balance** | **Rate Type Code** | **Loan Product** | **Lien Type** | **Original Rate** | **Qualifying Rate** | **Original Monthly PI Payment** | **Borrower FICO** | **Coborrower FICO** | **FICO Date** | **Appraisal Date** | **Owner Occupancy** | **Property Type** | **Appraisal Value** | **Purchase Price** | **Property Value for LTV** | **Originator Original LTV** | **Combined LTV** | **Debt to Income Ratio** | **ARM Index** | **Interest Only Period** | **Original Maturity Term** | **Original Amortization Term** | **Prepayment Penalty Months** | **Prepay Penalty Type** | **Note Date** | **First Payment Date** | **Maturity Date** | **Property Units** | **Loan Purpose** | **Foreign National Flag** | **Documentation Type** | **T & I & A Payment** | **Monthly Taxes** | **Monthly Insurance** | **Mortgage Type** | **ARM Margin** | **Minimum Rate Life Floor** | **Maximum Rate** | **Initial Periodic Cap** | **Life Rate Cap** | **Subsequent Periodic Cap** | **Payment Adjustment Frequency** | **Rate Adjustment Frequency** | **Property Acquisition Date** | **Property Acquisition Price** | **Borrower ID** | **Cross Default Loan Count** | **Rental Purpose** | **Rent** | **Rent in Place from Lease** | **Type of Rent to Qualify** | **Rented Flag** | **Originator Original DSCR** | **Property Improvement Flag** | **Personal Guarantor** | **Annual HOA** | **Property Condition** | **First Time Investor** | **Reserve Amount** | **Origination Channel** | **Property Exception Grade** | **After Repair Value** | **After Repair Value Percent** | **Loan to Cost** | **Release Provisions** | **Release Amount** | **Year Built** | **Square Foot** | **Number of Bedrooms** | **Number of Bathrooms** |
| 217713531 | XX |  |  | 217713531 | Y | Loan Review Complete |  |  |  |  |  |  |  | Fixed | Fixed Rate | 1 |  |  |  |  |  |  |  | Investment |  |  |  |  | 70.000% | 70.000% |  |  |  | 360 | 360 | 60 | Unpaid Balance |  |  |  |  |  | No |  |  |  |  | Conventional without MI |  |  |  |  |  |  |  |  |  |  |  | 5 |  |  |  |  |  | 1.60 |  |  |  |  | N | $657712.71 | Retail | 1 |  |  |  |  |  |  |  |  |  |
| 217713531 | XX |  |  | 217713531-1 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term, Short Term |  |  | Lease Income | Y |  |  |  |  |  |  |  |  |  |  |  |  | To Be Determined By Lender |  | XX | XX | 6 | 6 |
| 217713531 | XX |  |  | 217713531-2 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | 2 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Short Term |  |  | Lease Income | Y |  |  |  |  | C3 |  |  |  |  |  |  |  | To Be Determined By Lender |  | XX | XX | 3 | 2 |
| 217713531 | XX |  |  | 217713531-3 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | 2 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Short Term |  |  | Lease Income | Y |  |  |  |  | C3 |  |  |  |  |  |  |  | To Be Determined By Lender |  | XX | XX | 3 | 2 |
| 217713531 | XX |  |  | 217713531-4 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | 2 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Short Term |  |  | Lease Income | Y |  |  |  |  | C3 |  |  |  |  |  |  |  | To Be Determined By Lender |  | XX | XX | 4 | 2 |
| 217713531 | XX |  |  | 217713531-5 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | 2 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Short Term |  |  | Lease Income | Y |  |  |  |  | C3 |  |  |  |  |  |  |  | To Be Determined By Lender |  | XX | XX | 3 | 2 |
| 217713539 | XX |  |  | 217713539 | Y | Loan Review Complete |  |  |  |  |  |  |  | Fixed | Fixed Rate | 1 |  |  |  |  |  |  |  | Investment |  |  |  |  | 75.000% | 75.000% |  |  |  | 360 | 360 | 36 | Prepaid Balance |  |  |  |  |  | No |  |  |  |  | Conventional without MI |  |  |  |  |  |  |  |  |  |  |  | 5 |  |  |  |  |  | 1.55 |  |  |  |  | N | $181415.98 | Retail | 1 |  |  |  |  |  |  |  |  |  |
| 217713539 | XX |  |  | 217713539-1 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Attached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C4 |  |  |  |  |  |  | 229.518% | Fixed Dollar Amount | $114300.00 | XX | XX | 2 | 1 |
| 217713539 | XX |  |  | 217713539-2 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Attached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C4 |  |  |  |  |  |  | 146.250% | Fixed Dollar Amount | $105300.00 | XX | XX | 3 | 1 |
| 217713539 | XX |  |  | 217713539-3 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Attached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C4 |  |  |  |  |  |  | 155.000% | Fixed Dollar Amount | $111600.00 | XX | XX | 3 | 1 |
| 217713539 | XX |  |  | 217713539-4 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Attached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C4 |  |  |  |  |  |  | 152.500% | Fixed Dollar Amount | $109800.00 | XX | XX | 2 | 2 |
| 217713539 | XX |  |  | 217713539-5 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C4 |  |  |  |  |  |  | 174.816% | Fixed Dollar Amount | $142650.00 | XX | XX | 3 | 1 |
| 218386868 | XX |  |  | 218386868 | Y | Loan Review Complete |  |  |  |  |  |  |  | Fixed | Fixed Rate | 1 |  |  |  |  |  |  |  | Investment |  |  |  |  | 75.000% | 75.000% |  |  |  | 360 | 360 | 60 | Prepaid Balance |  |  |  |  |  | No |  |  |  |  | Conventional without MI |  |  |  |  |  |  |  |  |  |  |  | 3 |  |  |  |  |  | 2.25 |  |  |  |  | N | $111704.46 | Broker | 1 |  |  |  |  |  |  |  |  |  |
| 218386868 | XX |  |  | 218386868-1 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | 2 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Lease Income | Y |  |  |  |  | C3 |  |  |  |  |  |  | 113.636% | Fixed Dollar Amount | $112500.00 | XX | XX | 6 | 2 |
| 218386868 | XX |  |  | 218386868-2 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | 2 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Lease Income | Y |  |  |  |  | C3 |  |  |  |  |  |  | 104.046% | Fixed Dollar Amount | $108000.00 | XX | XX | 4 | 2 |
| 218386868 | XX |  |  | 218386868-3 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | 2 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Lease Income | Y |  |  |  |  | C3 |  |  |  |  |  |  | 91.406% | Fixed Dollar Amount | $105300.00 | XX | XX | 4 | 2 |
| 218386878 | XX |  |  | 218386878 | Y | Loan Review Complete |  |  |  |  |  |  |  | Fixed | Fixed Rate | 1 |  |  |  | 770 |  |  |  | Investment |  |  |  |  | 75.000% | 75.000% |  |  |  | 360 | 360 | 60 | Prepaid Balance |  |  |  |  |  | No |  |  |  |  | Conventional without MI |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  |  |  |  | 1.63 |  |  |  |  |  | $113427.22 | Retail | 2 |  |  | 75.000% |  |  |  |  |  |  |
| 218386878 | XX |  |  | 218386878-1 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Purchase |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Average Lease Amount | N |  |  |  |  | Average |  |  |  |  |  |  |  | No |  | XX | XX | 2 | 2 |
| 218386878 | XX |  |  | 218386878-2 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Purchase |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | Average |  |  |  |  |  |  |  | No |  | XX | XX | 2 | 2 |
| 218386898 | XX |  |  | 218386898 | Y | Loan Review Complete |  |  |  |  |  |  |  | Fixed | Fixed Rate | 1 |  |  |  |  |  |  |  | Investment |  |  |  |  | 65.000% | 65.000% |  |  |  | 360 | 360 | 36 | Prepaid Balance |  |  |  |  |  | No |  |  |  |  | Conventional without MI |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  |  |  |  | 1.25 |  |  |  |  | N | $172632.12 | Retail | 1 |  |  |  |  |  | XX | XX |  |  |
| 218386898 | XX |  |  | 218386898-1 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C3 |  |  |  |  |  |  | 130.000% | Fixed Dollar Amount | $156000.00 | XX | XX | 3 | 2 |
| 218386898 | XX |  |  | 218386898-2 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C4 |  |  |  |  |  |  |  | Fixed Dollar Amount | $71760.00 | XX | XX | 3 | 1 |
| 218386899 | XX |  |  | 218386899 | Y | Loan Review Complete |  |  |  |  |  |  |  | Fixed | Fixed Rate | 1 |  |  |  |  |  |  |  | Investment |  |  |  |  | 75.000% | 75.000% |  |  |  | 360 | 360 | 36 | Prepaid Balance |  |  |  |  |  | No |  |  |  |  | Conventional without MI |  |  |  |  |  |  |  |  |  |  |  | 8 |  |  |  |  |  | 1.21 |  |  |  |  | N | $412496.63 | Retail | 2 |  |  | 75.000% |  |  |  |  |  |  |
| 218386899 | XX |  |  | 218386899-1 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C4 |  |  |  |  |  |  | 238.631% | Fixed Dollar Amount | $126000.00 | XX | XX | 4 | 2 |
| 218386899 | XX |  |  | 218386899-2 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C4 |  |  |  |  |  |  | 226.449% | Fixed Dollar Amount | $157500.00 | XX | XX | 3 | 1 |
| 218386899 | XX |  |  | 218386899-3 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | 2 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C4 |  |  |  |  |  |  | 229.550% | Fixed Dollar Amount | $121500.00 | XX | XX | 4 | 2 |
| 218386899 | XX |  |  | 218386899-4 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C4 |  |  |  |  |  |  | 112.218% | Fixed Dollar Amount | $130500.00 | XX | XX | 3 | 1 |
| 218386899 | XX |  |  | 218386899-5 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C2 |  |  |  |  |  |  | 218.750% | Fixed Dollar Amount | $252000.00 | XX | XX | 3 | 2 |
| 218386899 | XX |  |  | 218386899-6 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C4 |  |  |  |  |  |  | 146.853% | Fixed Dollar Amount | $126000.00 | XX | XX | 3 | 1 |
| 218386899 | XX |  |  | 218386899-7 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C4 |  |  |  |  |  |  | 1265.625% | Fixed Dollar Amount | $121500.00 | XX | XX | 5 | 2 |
| 218386899 | XX |  |  | 218386899-8 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Long Term |  |  | Lease Income | Y |  |  |  |  | C4 |  |  |  |  |  |  | 507.519% | Fixed Dollar Amount | $121500.00 | XX | XX | 4 | 1 |
| 218387038 | XX |  |  | 218387038 | Y | Loan Review Complete |  |  |  |  |  |  |  | Fixed | Fixed Rate | 1 |  |  |  |  |  |  |  | Investment |  |  |  |  | 79.877% | 79.877% |  |  |  | 360 | 360 | 36 | Prepaid Balance |  |  |  |  |  | No |  |  |  |  | Conventional without MI |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  |  |  |  | 1.52 |  |  |  |  |  | $0.00 | Retail | 1 |  |  | 79.877% |  |  |  |  |  |  |
| 218387038 | XX |  |  | 218387038-1 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Purchase |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Average Lease Amount | N |  |  |  |  | C4 |  |  |  |  |  |  | 79.878% | Fixed Dollar Amount | $153365.00 | XX | XX | 5 | 2 |
| 218387038 | XX |  |  | 218387038-2 | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | 2 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Purchase |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Lease Income | Y |  |  |  |  | C4 |  |  |  |  |  |  | 79.877% | Fixed Dollar Amount | $159595.00 | XX | XX | 4 | 2 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 1/19/2023 9:40:20 PM** | **Run Date - 1/19/2023 9:40:20 PM** | **Run Date - 1/19/2023 9:40:20 PM** | **Run Date - 1/19/2023 9:40:20 PM** | **Run Date - 1/19/2023 9:40:20 PM** | **Run Date - 1/19/2023 9:40:20 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| 217471005 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 217674947 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 217713363 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 217713442 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 217713505 | xx | xx |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 217713531 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 217713532 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 217713536 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 217713538 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 217713539 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 217713541 | xx | xx |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 217713580 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 217905979 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 217905981 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 217905985 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 217905995 | xx | xx |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 217906005 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018501 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218018527 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018528 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218018533 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018534 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018543 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218018547 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218018552 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218018554 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218018557 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018564 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018565 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018568 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018572 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018573 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018581 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018584 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218018587 | xx | xx |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218018590 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018594 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218018600 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018605 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018607 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218018608 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218018609 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218071259 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218071271 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218071277 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218071280 | xx | xx |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218071286 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218071291 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218071293 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218071294 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218071298 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218071301 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218071302 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218071305 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218300976 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218344547 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218344551 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218344557 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218344577 | xx | xx |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218344579 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218344580 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218344587 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218344588 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218344592 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218344594 | xx | xx |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218344598 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218344600 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218344604 | xx | xx |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218344605 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218344608 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218344614 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218344616 | xx | xx |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218344617 | xx | xx |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218344619 | xx | xx |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218344621 | xx | xx |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218344622 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218344623 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218344624 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218344626 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386857 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386858 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386859 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386862 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218386863 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218386867 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218386868 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386873 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386874 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386875 | xx | xx |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218386876 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386877 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386878 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386881 | xx | xx |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218386887 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386888 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386890 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218386898 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386899 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386901 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218386902 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386909 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386911 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218386912 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218386916 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386917 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | D | C | C | C |  | C | D | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | B |  | B | B | B | B | B |  |
| 218386919 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | B |  | B | B | B | B | B |  |
| 218386920 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386921 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386922 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386923 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218386924 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | C | D | C | C | C |  | C | D | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386925 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386926 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386929 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | D | A | A | A |  | C | D | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386930 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386932 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386933 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386934 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386935 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | C | D | C | C | C |  | C | D | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386936 | xx | xx |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | C | D | C | C | C |  | C | D | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | B |  | B | B | B | B | B |  |
| 218386937 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386938 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218386939 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386940 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386941 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386942 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386943 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386944 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | D | A | A | A |  | C | D | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386946 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | B |  | B | B | B | B | B |  |
| 218386947 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | C | D | C | C | C |  | C | D | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386948 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | C | D | C | C | C |  | C | D | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386949 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386950 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386951 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | C | D | C | C | C |  | C | D | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386952 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386953 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386954 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386955 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386956 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386957 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386958 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386959 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386960 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386961 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | C | D | C | C | C |  | C | D | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386962 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386963 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386964 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386965 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218386966 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386967 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386968 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386969 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386974 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386975 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386976 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386977 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386979 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | C | D | C | C | C |  | C | D | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386980 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386982 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386983 | xx | xx |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218386984 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386985 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386988 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386989 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386990 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | D | A | A | A |  | A | D | A | A | A |  |
| 218386992 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 218386993 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386996 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218386998 | xx | xx |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218387000 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218387007 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218387008 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218387019 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218387021 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218387023 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218387025 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218387026 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218387027 | xx | xx |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218387031 | xx | xx |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218387033 | xx | xx |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218387034 | xx | xx |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218387036 | xx | xx |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 218387037 | xx | xx |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218387038 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218387039 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218387041 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 218387043 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 219396952 | xx | xx |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch5_001.jpg) | ![](ex99-1sch5_001.jpg) | ![](ex99-1sch5_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 1/19/2023 9:40:20 PM** | **Run Date - 1/19/2023 9:40:20 PM** | **Run Date - 1/19/2023 9:40:20 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal Confidence Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 217471005 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 217674947 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 217713363 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 217713442 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 217713505 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 217713531 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  | -2.513% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.51% |  |  |
| 217713532 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 217713536 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -9.692% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 217713538 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 217713539 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |
| 217713541 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 217713580 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 217905979 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| 217905981 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 217905985 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 217905995 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 217906005 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 218018501 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 218018527 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218018528 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| 218018533 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218018534 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218018543 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 218018547 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 218018552 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| 218018554 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| 218018557 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218018564 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| 218018565 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218018568 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218018572 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218018573 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 1.706% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.70 |
| 218018581 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218018584 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218018587 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 218018590 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 218018594 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.80 |
| 218018600 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.10 |
| 218018605 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 218018607 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218018608 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -4.690% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 218018609 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218071259 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218071271 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218071277 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| 218071280 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218071286 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218071291 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.40 |
| 218071293 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218071294 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218071298 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 218071301 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.353% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.353% |  |  |  |  |  |  | Yes |  |
| 218071302 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 |
| 218071305 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 218300976 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218344547 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218344551 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| 218344557 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218344577 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218344579 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218344580 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218344587 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218344588 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| 218344592 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.923% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.923% |  |  |  |  |  |  | Yes |  |
| 218344594 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218344598 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.963% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.963% |  |  |  |  |  |  | Yes |  |
| 218344600 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| 218344604 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218344605 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 218344608 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 218344614 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218344616 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218344617 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218344619 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 218344621 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.396% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.396% |  |  |  |  |  |  | Yes |  |
| 218344622 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.30 |
| 218344623 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 218344624 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218344626 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.167% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.167% |  |  |  |  |  |  | Yes |  |
| 218386857 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386858 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386859 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386862 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386863 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386867 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386868 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |
| 218386873 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386874 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -6.818% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386875 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386876 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386877 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386878 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  | -3.205% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.21% |  |  |
| 218386881 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386887 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386888 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 11.290% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386890 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386898 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |
| 218386899 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  | 0.856% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.86% |  |  |
| 218386901 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386902 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386909 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386911 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 218386912 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386916 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -3.398% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386917 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  | -29.000% |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386919 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386920 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | -0.377% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386921 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  | -24.267% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386922 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386923 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.667% |  |  | AVM |  | 0.48 |  |  |  |  |  |  |  |  | 2.333% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386924 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  | -15.529% |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386925 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386926 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386929 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | -6.667% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386930 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 16.931% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386932 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.645% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386933 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386934 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386935 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  | -29.756% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386936 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  | -29.371% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386937 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386938 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 6.154% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386939 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386940 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386941 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218386942 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386943 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386944 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 1.587% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386946 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386947 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  | -22.609% |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386948 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  | -27.097% |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386949 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | -4.545% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386950 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386951 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  | -15.000% |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386952 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | -2.941% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386953 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | -3.550% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386954 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218386955 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 3.175% |  |  | Stated |  |  |  |  | 4.233% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386956 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386957 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386958 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  | -88.083% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386959 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386960 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 6.849% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386961 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  | -60.135% |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386962 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386963 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386964 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386965 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -1.923% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386966 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -1.422% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386967 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | -2.264% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386968 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386969 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | -5.714% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386974 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386975 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | -9.500% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386976 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 3.200% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386977 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | -2.469% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386979 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | -3.571% |  |  | Desk Review |  |  |  |  | -13.571% |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386980 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386982 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | -0.369% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386983 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386984 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386985 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | -1.538% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386988 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 4.706% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386989 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218386990 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -7.439% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386992 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386993 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386996 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218386998 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387000 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387007 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387008 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387019 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387021 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387023 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387025 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387026 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387027 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387031 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387033 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387034 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387036 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387037 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387038 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |
| 218387039 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387041 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218387043 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 219396952 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 9.574% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg)

**NARRATIVE**

**PRPM 2023-NQM1**

**By Canopy Financial Technology Partners LLC on January 24, 2023**

Canopy Financial Technology Partners LLC

info@canopytpr.com \| 720-371-8517 \| www.canopytpr.com

Address: 83 Halls Road, STE 203, Old Lyme, CT 06371

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-2_001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Onslow Bay Financial LLC. (the "Client") or its affiliated company. The Review was conducted from January 2022 to November 2022 via files imaged and provided by the Client for review.

The Review consisted of a population of Ten (10) Loans with an aggregate principal balance of $5,514,550.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs).

**Data Integrity**

Canopy performed a data comparison review of the data fields provided by the Client on the loan tape to the data found in the actual Loan File as captured by Canopy. This comparison, when specific data was available, included the following data fields and tolerance levels noted below.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-2_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

Canopy reviewed each Loan File to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria or other requirements provided by the Client, including, as applicable, Ability to Repay (ATR) and Qualified Mortgage (QM) requirements. The Credit Qualification review consisted of the following:

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-2_001.jpg)

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether

· All known borrower-owned properties are disclosed on the REO Section;

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

· A credit report or alternative credit history as applicable to loan type is present for each borrower;

· Bankruptcy and foreclosure seasoning;

· Capture the monthly consumer debt payments for use in the applicable DTI calculation;

· Installment and revolving payment history;

· Mortgage/rental payment history;

· Note and research the Real Estate Owned, OFAC, and Fraud alerts;

· Number of tradelines; and

· Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

· IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-2_001.jpg)

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject property ownership history

· OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

· Depository account statements;

· Gift funds;

· Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

· Stock or security account statements; and/or

· VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

· Confirmed that the flood certification is for the correct borrower, property, lender and loan number and is a "Life of Loan"
certification;

· Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns;"

· Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;

· For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines;

· For properties in a flood zone per the flood certification, confirmed that flood insurance meets guideline requirements in the file
and met the minimum required amount of coverage in the guidelines;

· Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and that taxes are current; and

· Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines.

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**Automated Underwriting System Findings:** N/A

**Document Review**

Canopy reviewed each Loan File and verified if the following documents, as applicable, were included in the file and if the data on these documents was consistent (where applicable):

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

· Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section herein;

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

· Post-Consummation Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation**

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the "primary purpose" of the loan as "business purpose" the "D" grade – "Missing Document", was cleared by Canopy.

**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

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**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy' review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

(i) **Anti-Predatory Lending** requirements, that are imposed by federal, state and/or local statutory, regulatory or authoritative
determinations (e.g. state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or
criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including HOEPA and any state and
local high-cost home loan laws. Assignee shall have the meaning as defined in TILA;

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by
Regulation Z, 12 C.F.R. Part 1026;

(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "), 12 U.S.C. §2603, as implemented by Regulation
X, 12 C.F.R. Part 1024;

(iv) the **Equal Credit Opportunity Act** ("ECOA") **, 15 U.S.C.** §1691 as implemented by Regulation B, 12 C.F.R.
§1001.1(b);

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**I.** **Compliance Documentation Requirements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review of the following documents as they related to regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial and final application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Note, including all addendums

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Copy of note for any junior liens (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage / Deed of Trust, including all riders

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Initial, Interim, and Final Loan Estimates ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to
consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice of Right to Cancel (as applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA Disclosures (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial Escrow Account Disclosure

**II.** **Anti-Predatory Lending (Assignee Liability)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loans were reviewed for violations of federal, state & local high cost,
higher-priced and/or consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any loan that
is determined to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar
classification/definition was reported.

**III.** **Compliance Testing Elements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Truth-in-Lending Act (TILA) / Regulation Z**: Loans were reviewed to
determine compliance with the following requirements of TILA and Regulation Z, including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs and
CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal and interest calculations,
proper completion of the Projected Payments table, total of payments, finance charge, amount financed, recalculation of disclosed APR
and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required
timeframes. Testing will be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID
Grid 3.0" v.12/05/2019);

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel, including
a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required
parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).
The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. **Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable
Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by
the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review
to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA
disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of
Homeownership Counselling Organizations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm compliance
with the January 18, 2014 requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business
days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable
waiver. The disclosure of the right to receive a copy of appraisals may be met by the disclosure on the Loan Estimate pursuant to 12 CFR
§ 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance
with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant,
as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory
 Arbitration – Canopy will report mandatory arbitration provisions present in the Loan
 File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single
 Premium Credit Insurance – Canopy will report single premium credit insurance policies
 or debt cancellation agreements present in the Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR
 will test for state prepayment and late charge restrictions. If a prepayment penalty that
 exceeds the state permitted penalty has expired, this must be reported.

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**State & Local Anti-Predatory Requirements**

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

· Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

· California Anti-Predatory Lending ("Covered Loan", Cal. Fin. Code § 4970 et seq.

· California Higher-Priced Mortgage Loan ("CA HPML"), Cal. Fin. Code §4995 et seq.

· Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.

· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible
Lending and Economic Security Act, Conn. House Bill 5577 (2008).

· Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

· District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as
implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

· Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361
and as modified by Senate Bill 03-53).

· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1
et seq. (2004).

· Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

· City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440;
2-32-455; 2-92-325; 4-4-155; 8-4-325.

· Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois
SB 1167 (2007).

· Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.

· Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

· Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat.
§ 360.100 et seq.

· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann.
§§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

· Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended
by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

· Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender
Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

· Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387
(2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183(C).

· Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et
seq.

· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

· Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as
amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

· Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

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· Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. §
598D.010 et seq.

· New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

· New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. §
58-21A-1 et seq.

· New York High-Cost Home Loan Regulations (1A - Original Part 41), 3 NYCCR Part 41 (2001).

· New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L.
Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

· New York Subprime Home Loans, NY Bank. Law § 6-m.

· North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina
Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a) as amended.

· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules
§ 109 4-3-01 et seq.

· City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

· Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§
201.01 et seq.

· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

· Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

· City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

· Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as
implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

· South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

· South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

· Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

· Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

· The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas
Constitution

· Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

· Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

· Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

· Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§
6.1-413; 6.1-422, 6.1-428.

· Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§
6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

· Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

· West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

· Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

· Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

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**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency as permitted under the QM final rule, Canopy reviews the loan to determine whether, based on available information in the Loan File the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Canopy then determines whether the loan is a Safe Harbor QM or Rebuttable Presumption QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

**Ability to Repay (ATR)**

Canopy reviews the loan to determine whether, based on available information in the Loan File, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Note: for loans designated as QM – Agency eligible (QM – Temporary), Canopy will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Canopy reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Canopy does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Canopy's review is based on information contained in the Loan File at the time it is provided to Canopy to review, and only reflects information as of that point in time.

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**Valuation Review**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

· With respect to Title XI of FIRREA, Canopy checked for the presence of the appraiser's license,
and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

· With respect to USPAP, Canopy confirmed the appraiser's certification is present and executed within
the original appraisal.

***Independent third-party values, CU SCORES and FHLMC REPS and WARRANTS***

 ****

Canopy applied a cascade methodology to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

**Valuation Reconciliation Process:**

· If
 the Desk Review supported the origination appraised value within a -10% variance, no additional
 products were required.

· In
 the event the Desk Review process yielded material exceptions or had a value exceeding a
 negative ten percent (-10%) variance, a field review was ordered to further establish value.

**Agency Eligible & Non-Agency Loans:**

· **For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered a Desk Review. If the CU Score was less than or equal to 2.5, no Desk Review was required based on market acceptance of Agency Eligible Loans.** 

· **For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered a Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no Desk Review was required based on market acceptance of Agency Eligible Loans.** 

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**VALUATION RESULTS SUMMARY**

The tables below sets forth the number of Mortgage Loans and valuation of associated properties within the Diligence Sample for which an independent third-party valuation product was produced in accordance with the foregoing process:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** |
| &nbsp;&nbsp;**# of Files – CU <br> Score <= 2.5** | &nbsp;&nbsp;**# of Files – Eligible Rep <br> & Warrant Relief** | &nbsp;&nbsp;**# of Files < -10% of OA <br> valued (Desk Review)** | &nbsp;&nbsp;**# of Files => -10% of OA<br> valued (Desk Review)** |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |

---

· Chart is N/A as all Loan Files were Non-Agency

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> **Non-Agency Eligible** | &nbsp;&nbsp; <br> **Non-Agency Eligible** | &nbsp;&nbsp; <br> **Non-Agency Eligible** | &nbsp;&nbsp; <br> **Non-Agency Eligible** |
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files < -10% of OA value <br> OR Confidence <= 80%** | &nbsp;&nbsp;**# of Files => -10% of OA <br> value** |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;CU Score <= 2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

· Of the 10 Non-Agency Eligible loans reviewed:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 9 Loan Files were noted with a Desk Review supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 1 Loan Files were noted with a CU Score <= 2.5

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-2_001.jpg)

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Form ABS Due Diligence-15E.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Event Grade** | &nbsp;&nbsp;**Final Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;**D** | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-2_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;**D** | There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grade** | &nbsp;&nbsp;**Valuation Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms |
| &nbsp;&nbsp;**D** | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-2_001.jpg)

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 20.00% (2 loans) have an overall grade of "B" and 80.00% (8 loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (10 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 20.00% (2 loans) mortgage loans reviewed, and 80.00% (8 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (10 loans) have a Property/Valuation grade of "A".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.00%** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-2_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;9 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;$4074550.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;$1440000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5514550.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$5514550.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5514550.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$567500.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;30.00% | &nbsp;&nbsp;$930950.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;5 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$4016100.00 |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5514550.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-2_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$5514550.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5514550.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$5514550.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5514550.00** |

---

**DATA COMPARISON RESULTS**

Of the Ten (10) mortgage Loan Files reviewed, zero (0) unique loans (0.00% by number) had zero (0) tape comparison discrepancies across thirty-nine (39) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total <br> Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Self Employed<br> Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-2_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Self-Employment<br> Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-2_001.jpg)

**Disclaimer**

 

*Canopy Financial Technology Partners, LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).*

 

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.*

 

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.*

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.*

 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.*

 

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| xx |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | Yes | 16791.5 | 6.025 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| xx |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | Yes | 7470.88 | 6.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| xx |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | Yes | No | No | No | No | No | No | No | No | 9261.5 | 5.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| xx |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | No | 17894 | 5.771 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| xx |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Yes | 11276.5 | 6.096 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| xx |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | Yes | 12321.75 | 9.436 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| xx |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 8161.12 | 8.349 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| xx |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | No | No | No | No | No | Yes | 13473 | 10.49 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| xx |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No | Yes | No | No | No | No | No | 12399 | 7.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| xx |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 17599 | 10.921 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan ID** | &nbsp;&nbsp;**Seller Loan ID** | &nbsp;&nbsp;**Investor Loan ID** | &nbsp;&nbsp;**Queue** | &nbsp;&nbsp;**Finding Code** | &nbsp;&nbsp;**Date Created** | &nbsp;&nbsp;**Date Modified** | &nbsp;&nbsp;**Finding Status** | &nbsp;&nbsp;**Event Level** | &nbsp;&nbsp;**Finding Category** | &nbsp;&nbsp;**Finding Sub Category** | &nbsp;&nbsp;**Finding Name** | &nbsp;&nbsp;**Finding Comments** | &nbsp;&nbsp;**Seller Comments** | &nbsp;&nbsp;**Resolution Comments** | &nbsp;&nbsp;**Reviewer Comp Factor** | &nbsp;&nbsp;**Originator Comp Factors** | &nbsp;&nbsp;**Finding Documents** | &nbsp;&nbsp;**Originator QM Status** | &nbsp;&nbsp;**Final Reviewed QM Status** | &nbsp;&nbsp;**Loan Amount** | &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Refinance Purpose** |  |  |
| &nbsp;&nbsp;XX |  | &nbsp;&nbsp; &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM5135 | &nbsp;&nbsp;XX | &nbsp;&nbsp;2022-01-20 16:44 | &nbsp;&nbsp;Acknowledged | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Federal Disclosure | &nbsp;&nbsp;Required Affiliated Business Disclosure Missing | &nbsp;&nbsp;Acknowledged-\*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflectthat a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-01/20/2022 <br> Acknowledged-WAIVED. XXX does not reflect that a referral was made to an affiliate. - Due Diligence Vendor-01/20/2022 <br> Open-Re-opened pending attestation. - Due Diligence Vendor-01/14/2022 <br> Acknowledged-WAIVED. Client Acknowledges Finding and Attestation will not be provided at this time. - Due Diligence Vendor-01/14/2022 <br> Open-Required Affiliated Business Disclosure Missing Privacy Fact Sheet does not confirm that lender has no affiliates: Affiliated Business Disclosure required or attestation from lender that no affiliates exist - Due Diligence Vendor-01/13/2022 <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-01/13/2022 |  | &nbsp;&nbsp;Acknowledged-\*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflectthat a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-01/20/2022 <br>Acknowledged-WAIVED. XXX does not reflect that a referral was made to an affiliate. - Due Diligence Vendor-01/20/2022 <br>Acknowledged-WAIVED. Client Acknowledges Finding and Attestation will not be provided at this time. - Due Diligence Vendor-01/14/2022<br>|  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;XXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |
| &nbsp;&nbsp;XX |  | &nbsp;&nbsp; &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM5135 | &nbsp;&nbsp;XX | &nbsp;&nbsp;2022-01-28 14:27 | &nbsp;&nbsp;Acknowledged | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Federal Disclosure | &nbsp;&nbsp;Required Affiliated Business Disclosure Missing | &nbsp;&nbsp;Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-01/28/2022 <br>Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-01/28/2022 |  | &nbsp;&nbsp;Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-01/28/2022 <br>Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-01/28/2022<br>|  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;XXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |
| &nbsp;&nbsp;XX |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;XXX | &nbsp;&nbsp;AL | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |
| &nbsp;&nbsp;XX |  | &nbsp;&nbsp; &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM5135 | &nbsp;&nbsp;XX | &nbsp;&nbsp;2022-03-16 14:21 | &nbsp;&nbsp;Acknowledged | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Federal Disclosure | &nbsp;&nbsp;Required Affiliated Business Disclosure Missing | &nbsp;&nbsp;Acknowledged-Required Affiliated Business Disclosure Missing \*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/16/2022 <br>Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/16/2022 |  | &nbsp;&nbsp;Acknowledged-Required Affiliated Business Disclosure Missing \*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/16/2022 <br>Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/16/2022<br>|  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;XXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |
| &nbsp;&nbsp;XX |  | &nbsp;&nbsp; &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM5135 | &nbsp;&nbsp;XX | &nbsp;&nbsp;2022-04-07 08:46 | &nbsp;&nbsp;Acknowledged | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Federal Disclosure | &nbsp;&nbsp;Required Affiliated Business Disclosure Missing | &nbsp;&nbsp;Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-04/07/2022 |  | &nbsp;&nbsp;Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-04/07/2022<br>|  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;XXX | &nbsp;&nbsp;CA | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |
| &nbsp;&nbsp;XX |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;XXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |
| &nbsp;&nbsp;XX |  | &nbsp;&nbsp; &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM5135 | &nbsp;&nbsp;XX | &nbsp;&nbsp;2022-10-26 12:13 | &nbsp;&nbsp;Acknowledged | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Federal Disclosure | &nbsp;&nbsp;Required Affiliated Business Disclosure Missing | &nbsp;&nbsp;Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-10/26/2022 |  | &nbsp;&nbsp;Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-10/26/2022<br>| &nbsp;&nbsp;Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;XXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX |  | &nbsp;&nbsp; &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM5135 | &nbsp;&nbsp;2022-11-03 10:18 | &nbsp;&nbsp;2022-11-03 10:18 | &nbsp;&nbsp;Acknowledged | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Federal Disclosure | &nbsp;&nbsp;Required Affiliated Business Disclosure Missing | &nbsp;&nbsp;Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-11/03/2022 |  | &nbsp;&nbsp;Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-11/03/2022<br>| &nbsp;&nbsp;Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;XXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE9163 | &nbsp;&nbsp;2022-11-07 14:33 | &nbsp;&nbsp;2022-11-08 13:31 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Missing Updated Credit Report Supplement | &nbsp;&nbsp;Resolved-New XXX provided with the correct payment for the debt. Used XXX% of balance. - Due Diligence Vendor-11/08/2022 <br> Ready for Review-Document Uploaded. - Buyer-11/08/2022 <br> Ready for Review-Updated 1008 and DU uploaded for review. - Buyer-11/07/2022 <br> Open-Lender used XXX% of XXX loan balance $XXX monthly. Unable to determine if this loan is a student loan. Initial 1003 borrower reflects monthly payment of $XXX. - Due Diligence Vendor-11/07/2022 |  | &nbsp;&nbsp;Resolved-New 1008 provided with the correct payment for the debt. Used XXX% of balance. - Due Diligence Vendor-11/08/2022 | &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3144202898550725<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  | &nbsp;&nbsp;XXX.PDF | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;XXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;XX |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM5135 | &nbsp;&nbsp;XX | &nbsp;&nbsp;2022-11-07 15:43 | &nbsp;&nbsp;Acknowledged | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Federal Disclosure | &nbsp;&nbsp;Required Affiliated Business Disclosure Missing | &nbsp;&nbsp;Acknowledged-Required Affiliated Business Disclosure Missing \*\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-11/07/2022 |  | &nbsp;&nbsp;Acknowledged-Required Affiliated Business Disclosure Missing \*\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-11/07/2022<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3144202898550725<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;XXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM9387 | &nbsp;&nbsp;2022-11-16 14:49 | &nbsp;&nbsp;2022-11-18 09:30 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID | &nbsp;&nbsp;Final CD: Seller information is missing or inaccurate | &nbsp;&nbsp;Resolved-Received PCCD with revised buyer/seller broker contact information. - Due Diligence Vendor-11/18/2022 <br>Ready for Review-Document Uploaded. PCCD documentation uploaded for review. - Buyer-11/17/2022 <br>Open-Final CD has the borrower listed as the Seller Real Estate Broker and the Seller's Broker as the borrower's broker. Correction required. - Due Diligence Vendor-11/16/2022 |  | &nbsp;&nbsp;Resolved-Received PCCD with revised buyer/seller broker contact information. - Due Diligence Vendor-11/18/2022<br>| &nbsp;&nbsp;Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | &nbsp;&nbsp;XXX.PDF | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;XXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;XX |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1437 | &nbsp;&nbsp;2022-11-16 14:13 | &nbsp;&nbsp;2022-11-17 11:39 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Income | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;Resolved-Business Narrative for second entity provided at resubmission. - Due Diligence Vendor-11/17/2022 <br> Ready for Review-Document Uploaded. Business Narrative uploaded for review. - Buyer-11/17/2022 <br> Open-Income and Employment Do Not Meet Guidelines Missing required Business Narrative for XXX - Due Diligence Vendor-11/16/2022 |  | &nbsp;&nbsp;Resolved-Business Narrative for second entity provided at resubmission. - Due Diligence Vendor-11/17/2022<br>| &nbsp;&nbsp;Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | &nbsp;&nbsp;XXX.PDF | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;XXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;XX |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM5135 | &nbsp;&nbsp;XX | &nbsp;&nbsp;2022-11-16 17:38 | &nbsp;&nbsp;Acknowledged | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Federal Disclosure | &nbsp;&nbsp;Required Affiliated Business Disclosure Missing | &nbsp;&nbsp;Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-11/16/2022 |  | &nbsp;&nbsp;Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; XXX does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-11/16/2022<br>| &nbsp;&nbsp;Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;XXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Loan ID** | **Investor ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| XX | | | XXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XX | | | XXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XX | | | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | XXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XX | | | XXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XX | | | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | XXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XX | | | XXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XX | | | XXX | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XX | | | XXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| xx |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| xx |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xx |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xx |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xx |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xx |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xx |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xx |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Acceptable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xx |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Acceptable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xx |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Acceptable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_003.jpg)

![](ex99-3_001.jpg)

![](ex99-3_002.jpg)

**January 25, 2023<br> Due Diligence Narrative Report**

**Table of Contents**

---

| | |
|:---|:---|
| **[Clayton Contact Information](#a_001)** | **2** |
| **[Overview](#a_002)** | **2** |
| **[Originators](#a_003)** | **2** |
| **[Clayton's Third Party Review ("TPR") Scope of Work](#a_004)** | **2** |
| &nbsp;&nbsp;&nbsp;[Sponsor Acquisition Criteria](#a_005) | 3 |
| &nbsp;&nbsp;&nbsp;[Loan Grading](#a_006) | 3 |
| &nbsp;&nbsp;&nbsp;[TPR Component Review Scope](#a_007) | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Credit Review](#a_018) | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Property Valuation Review](#a_008) | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Regulatory Compliance Review](#a_009) | 5 |
| &nbsp;&nbsp;&nbsp;[Data Integrity](#a_010) | 7 |
| &nbsp;&nbsp;&nbsp;[Data Capture](#a_011) | 7 |
| **[Data Compare Results](#a_012)** | **7** |
| **[Clayton Due Diligence Results](#a_013)** | **8** |
| **[Clayton Third Party Reports Delivered](#a_014)** | **11** |
| **[Appendix A: Credit Review Scope](#a_015)** | **12** |
| **[Appendix B: Origination Appraisal Assessment](#a_016)** | **15** |
| **[Appendix C: Regulatory Compliance Review Scope](#a_017)** | **18** |

---

 ****

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 1 January 25, 2023

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-3_004.jpg) | **Stephany Hoffman** | Client Service Manager |
|  |  | Phone: (813) 371-0269/E-mail: <u>swright@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex99-3_004.jpg) | **Joe Ozment** | Director of Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

Clayton Services LLC (Clayton") conducted an independent third-party pre-securitization due diligence review of residential loans selected for the PRPM 2023-NQM1. The loans referenced in this narrative report were reviewed from 03/2022 to 05/2022 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review. The population of 41 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 40 | 97.56% |
| &nbsp;&nbsp;Retail | 1 | 2.44% |
| &nbsp;&nbsp;**Total** | **41** | **100.00%** |

---

**Clayton's Third Party Review ("TPR") Scope of Work**

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 2 January 25, 2023

![](ex99-3_003.jpg)

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp; ***Loan Count***<br> ***Reviewed by Clayton*** **** | ***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | 41 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | 41 |  |

---

Sponsor Acquisition Criteria

The loan was underwritten to origination guidelines. Clayton was supplied with all the guidelines in advance of our review.

Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton's loan grading is solely based on Clayton's independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

Clayton's loan grading complied with rating agency grading definitions published by Moody's, Standard and Poor's, Fitch, Kroll and DBRS.

TPR Component Review Scope

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in loan documentation provided to Clayton.

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 3 January 25, 2023

![](ex99-3_003.jpg)

Credit Review

Clayton's Credit scope of review conducted on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u> and to the guidelines cited above):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor
Acquisition Criteria cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor
Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Evaluated evidence of borrower's willingness and ability to repay the obligation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was ordered by the
Seller or Clayton and received by Clayton for Nationwide Mortgage Licensing System and Registry ("NMLS") and occupancy status
alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly.

Property Valuation Review

Clayton's Property Valuation scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment

- Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

- For more detail on the original appraisal review scope and desk review definitions, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (41 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall:

- 28 loans had desk top reviews, 8 of the 28 loans also had CU scores of 2.5 or less.

- 28 additional loans had CU score of 2.5 or less.

- 1 loan had 2 full appraisals.

Additional valuation product was not required when CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, additional valuation product was obtained to confirm value was supported. In some cases additional desk reviews were ordered on loans with an acceptable CU score based on guidance from the seller.

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 4 January 25, 2023

![](ex99-3_003.jpg)

Regulatory Compliance Review

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u><u> </u>and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment
penalty provisions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Truth-in-lending/Regulation Z (TILA) testing included the following:

- Notice of Right to Cancel (Right of Rescission) adherence if applicable;

- TIL Disclosure Timing (3/7/3) and disclosure content;

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

- Section 32 APR and Points and Fees Thresholds and prohibited practices;

- Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

- Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation
depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required
rate reduction per discount point.

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

- Prepayment Penalty restrictions.

TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

GFE to HUD1 evaluation for 0% and 10% fee tolerances;

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 5 January 25, 2023

![](ex99-3_003.jpg)

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") firms' role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

On, June 15<sup>th</sup>, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

<u>Compliance Review (Business Purpose, Non-Owner Occupied)</u> 

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property. While the state of Illinois has similar language, Clayton's audit law firm determined that only principal residences should be tested for IL high cost.

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 6 January 25, 2023

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National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under TILA. Rather than migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape to file accuracy of each reviewed loan, by completing the following steps:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape data received from lender/client is stored in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Reviewer collects validated loan data in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each received data point is compared to its counterpart collected data point;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Discrepancies found during comparison are stored

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**Data Compare Results**

Clayton provided PRP-LB 2023-NQM1, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loan** | **Accuracy** |
| Borrower 1 Total Income | 1 | 97.56% |
| Cash Reserves | 30 | 26.83% |
| Combined Loan to Value | 1 | 97.56% |
| Credit Report Date | 5 | 87.80% |
| Debt to Income (Back) | 2 | 95.12% |
| Disbursement Date | 3 | 92.68% |
| Documentation Type | 36 | 12.20% |
| First Rate Change Date | 14 | 65.85% |
| Loan Purpose | 1 | 97.56% |
| Months Reserves | 26 | 36.59% |
| Number of Units | 1 | 97.56% |
| Original Appraisal Date | 8 | 80.49% |
| Original Value | 2 | 95.12% |
| Original Loan to Value | 1 | 97.56% |
| Original Principal and Interest | 2 | 95.12% |
| Periodic Rate Cap | 27 | 34.15% |
| Product Type | 28 | 31.71% |
| Property Type | 6 | 85.37% |
| Total Cash Out | 41 | 0.00% |
| Total Monthly Income | 1 | 97.56% |

---

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 7 January 25, 2023

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**Clayton Due Diligence Results**

Below are the initial and final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grade

**Initial and Final Overall Loan Grade Results (S&P)** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 35 |  | 1 | 4 | **40** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **35** | **1** | **1** | **4** | **41** |

---

**Initial and Final Overall Loan Grade Results (DBRS)** 

---

| |
|:---|
| **Overall Grade Migration** |
| **Initial** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 35 |  | 1 | 4 | **40** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **35** | **1** | **1** | **4** | **41** |

---

\*The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 8 January 25, 2023

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**Initial and Final Credit Component Grade Results (S&P)** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 37 |  | 1 | 3 | **41** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **37** | **0** | **1** | **3** | **41** |

---

**Initial and Final Credit Component Grade Results (DBRS)** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 37 |  | 1 | 3 | **41** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **37** | **0** | **1** | **3** | **41** |

---

**Initial and Final Property Valuation Grade Results (S&P)** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 40 |  |  | 1 | **41** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **40** | **0** | **0** | **1** | **41** |

---

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 9 January 25, 2023

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**Initial and Final Property Valuation Grade Results (DBRS)** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 40 |  |  | 1 | **41** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **40** | **0** | **0** | **1** | **41** |

---

**Initial and Final Regulatory Compliance Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 38 |  |  |  | **38** |
| **Final** | B |  | 1 |  |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **38** | **1** | **0** | **0** | **39** |

---

***\*compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review***

**Initial and Final Regulatory Compliance Grade Results (DBRS)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 38 |  |  |  | **38** |
| **Final** | B |  | 1 |  |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **38** | **1** | **0** | **0** | **39** |

---

***\*compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review***

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 10 January 25, 2023

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**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;2. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;3. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;4. Valuations Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;5. Rating Agency Grades 2.0

&nbsp;&nbsp;&nbsp;&nbsp;6. Business Purpose Supplement

&nbsp;&nbsp;&nbsp;&nbsp;7. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;8. ASF Supplement

&nbsp;&nbsp;&nbsp;&nbsp;9. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;10. Non\QM ATR Upload

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 11 January 25, 2023

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**Appendix A: Credit Review Scope**

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

A. Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition Criteria requirements including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Credit score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Assets and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower eligibility, including:

- Citizenship status

- Non-occupant co-borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Transaction eligibility, including:

- Maximum loan amount

- Loan purpose

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that approved exceptions included
required, documented compensating factors

B. As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Uniform Residential Loan Application reviewed to determine:

- Initial loan application was in the loan file and was signed by all borrowers

- Final loan application was in the loan file and was complete

- Information and debts disclosed on loan application aligned with related documentation in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment analyzed and verified through use of various documents, including:

- Income documentation

- Verbal and/or written verifications of employments (VVOE, VOE)

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income review included:

- Required income documentation for all borrowers was present and within required time period

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Signed by all borrowers and processed by the originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared IRS tax transcripts to income documentation and noted any inconsistencies

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 12 January 25, 2023

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- Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award letters

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;o Asset review included:

- Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Verification of deposits (VOD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other documentation in loan file

- Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

- Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

- Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

- Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;o Title policy review included:

- Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold estate

- Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

- Applicable title endorsements were present

- Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issue was addressed in the transaction

- Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

- Captured monthly tax payments in debt ratio calculation

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 13 January 25, 2023

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&nbsp;&nbsp;&nbsp;&nbsp;o HUD1 (Settlement Statement) review included:

- Funds to close identified and analyzed against borrower's assets

- Seller contributions did not exceed maximum allowed

- Subject property, seller and borrower aligned with other loan documentation

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood insurance review included:

- Verified presence of required hazard insurance and flood insurance (if required)

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

- Reviewed for evidence that any required insurance policy premium was paid

- Confirmed that the mortgagee clause listed the lender's name and "its successors and assigns"

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Insurance review included:

- Determined if mortgage insurance is required

Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage
or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped "true and certified copy"
by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence for recording.

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in the loan
file to identify and address any potential misrepresentations including:

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower identity

- Social Security inconsistencies

- Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

&nbsp;&nbsp;&nbsp;&nbsp;o Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 14 January 25, 2023

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**Appendix B: Origination Appraisal Assessment**

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified that the mortgage
loan file contained an appraisal report and that it met the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report used standard GSE forms, appropriate to the property type:

- FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

- FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

- FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

- FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

- FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

- FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report was reasonably complete and included:

- Appraisal report form, certification, statement of limiting conditions and scope of work

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

- Accurate identification of the property type, in both land and improvements

- All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Photos of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC Market Conditions Report

- Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

- Appraisal date met supplied Sponsor Acquisition Criteria

- If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

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B. Performed a general credibility
assessment of the results of the appraisal per Title XI of FIRREA and USPAP based on the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Title XI of FIRREA:

- If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

- Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

- Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

- Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

C. Reviewed and graded the appraisal
valuation to the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

- Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

- Comps used were reasonably recent in transaction date and if not the reason was furnished

- Comps used were reasonably similar to the subject property and if not an explanation was supplied

- Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

&nbsp;&nbsp;&nbsp;&nbsp;o Property was complete. However, if the property was not 100% complete, then any unfinished portion had
no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following
key points in making determination:

- Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

- Property usage was reviewed for zoning compliance

- Property utilization was reviewed to determine it was "highest and best use"

- Neighborhood values were reviewed to determine if declining

- Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant occupancy

- Physical condition of the property was reviewed to determine that the property condition was average or better

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

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D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property met
the client supplied eligibility requirements. Examples of ineligible property types may include:

&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA
Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will
specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage
has been indicated, and the amount of said damage.

F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are not persons providing
valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers
under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes
of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed
valuation information for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the
underlying property

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will
not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;o Clear Capital "CDA" means a written retrospective analysis of an appraisal of residential real property
relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer.
The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market as of the effective date
of the appraisal provided. The CDA will also provide an analysis of the appraisal provided, including supporting narrative and data
to fully support the CDA value and outline deficiencies within the appraisal. The CDA will also contain a Risk
Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the
file completed by a licensed appraiser. The ARR validates subject and comparable data and characteristics, confirms the original
appraiser's methodologies, credentials, and commentary to ensure compliance with regulatory requirements and industry accepted best
practices, and flags all risk factors while also providing a final value reconciliation used to grade the loan.

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**Appendix C: Regulatory Compliance Review Scope**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory
on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation
within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee
tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop
for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm
the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within
3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether
the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure
Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of
the prepayment penalty disclosure and assumption policy with the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application,
7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on
or after July 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs
identified within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the
loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance,
mandatory arbitration clauses, and NegAm Counseling (Section 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements
This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will
be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance.
This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official
Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after
the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is
triggered) is received.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated
payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information,
contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one
option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past
experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided.
For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within
tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms,
but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

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**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton tests whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| **Higher-Priced** | **Higher-Priced** | **Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**B.** **State/Local High Cost** 

Clayton tests whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high-cost testing:

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp; Vermont<br> (High Rate, High Point law) |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp; Ohio, including<br> Cleveland Heights ordinance |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 22 January 25, 2023

![](ex99-3_003.jpg)

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| **Borrower's Interest** | **Borrower's Interest** | **Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| Alabama (the "Mini-code") | Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| Hawaii (Financial Services Loan Company Act) | Nevada (AB 440 |
| Idaho (Residential Mortgage Practices Act) | Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| Iowa (Consumer Credit Code) | Utah (Consumer Credit Code) |
| Kansas (Consumer Credit Code) | Virginia (Mortgage Lender and Broker Act) |
| Kentucky (HB 552) | Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| Maryland (DLLR Regulations, Commercial Law) | West Virginia (Consumer Credit Protection Act) |
| Massachusetts (Attorney General regulations) | Wyoming (Residential Mortgage Practices Act) |
| Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 23 January 25, 2023

![](ex99-3_003.jpg)

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2023 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

PRPM 2023-NQM1 Due Diligence Narrative Report Page \| 24 January 25, 2023

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **PRPM 2023-NQM1** | **PRPM 2023-NQM1** | **PRPM 2023-NQM1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **3/2/2022 - 5/31/2022** | **3/2/2022 - 5/31/2022** | **3/2/2022 - 5/31/2022** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **41** | **41** | **41** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *41* | *41* | *41* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *7* | *7* | *7* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at his residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 48.46 Months reserved to 0 required<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has no derogatory payment history |
| xx | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current primary residence for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 702 exceeds minimum 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 43 months |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.81 % below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 691 exceed guideline requirement of 600 with 91 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current address |
| xx | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score is 685 of the required 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $275,798.24.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV below guideline requirement of 85%. |
| xx | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.61 % below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 627 exceed guideline requirement of 600 with 27 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 25 years at current address |
| xx | XXXXXX | NV | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing hazard insurance binder. | 3.22.2022-Client Response- Provided HOI Dec page3.22.2022-Clayton Response- Provided documentation satisfies exception | 3.22.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 80% and guidelines allow the LTV to be 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified: $284,283.11 - $XXX funds to close = $204,769.41 assets remaining = 74.70 months reserves.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: The borrower is utilizing only 0.86% of the credit available to him.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The middle credit score is 731 and guidelines allow a credit score of 680 |
| xx | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qual score- 692; Program min- 680 (for 1st time Investor)<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: $0.00Available Reserves: $80,416.16<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV- 80%; Program max- 85% |
| xx | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines as none are required for a purchase<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 688 exceeds the Program Guidelines of 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 3 years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 34 months PITI reserves |
| xx | XXXXXX | NY | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Credit report and 1003 support Borrower FTHB and currently living rent free. Loan qualified with no income and DTI program (loan program TBDFX30) FTHBs are not allowed under the NONI program. Contract dated XXX reflect Spouse / non Borrowing spouse only Buyer. Does not match Borrower on the Note and Deed. Provide documentation supporting Borrower's name on the contract or purchase interest in the subject property. | 3.11.2022- Client Response- provided addendum to sale contract reflecting borrower, updated 1003 and insurance, reo confirmation that borrower is not a first time home-buyer3.11.2022-Clayton Response- provided documentation satisfies exception | 3.11.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has a qualifying score of 682<br>CFCFS2860: Good credit history<br> - Clayton Comments: There are no collection accounts reported.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has only one account with negative payment history. |
| xx | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 78.75<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 735<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Per comps, uptick in rental market |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current LTV is 65% which below the required LTV of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Verified assets of $102,819.78, cash to borrower at closing $XXX. Required reserves6months X $2,696.35 = $16,178.10. Excess reserves $86,641.68. |
| xx | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Federal Consumer Protection | Active | B | B | B | B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | ARM Disclosure in file dated XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 10+ yrs<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit |
| xx | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 10+ yrs<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit |
| xx | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co Guarantor has lived at primary residence for 5 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $275,066.24 or 90.76 months of PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 700 exceeds guideline requirement of 680 |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV below guideline requirement of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $10,405.35 Verified cash reserves exceed guidelines of $0.00.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history with a trade line opened XXX. |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75 % below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 684 exceed guideline requirement of 600 with 84 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's post close Assets are $81,984.59 or 62.74 months PITI |
| xx | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: $0.00Available Reserves: $51,238.54<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qual score- 693; Program min- 660<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| xx | XXXXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: B1 has only made use of 8.30% of an available $XXX open credit line<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: 6 months x $2,436.79= $14,620.74Available Reserves: $35,022.38<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qual score- 687; Program min- 660 |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets are $275,361.38 or 85.90 months PITIRequired reserves are 6 months PITI at $3,205.77x6= $19,234.62<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 10 points below guideline maximum of 70% |
| xx | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 681 exceeds guidelines 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves 150.90 months exceed guidelines 6 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has had zero mortgage late in all of reported history |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 VS 680<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 193 MONTHS VS 24 MONTHS<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0X30 24 |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $81,433.51 in verified assets post-closing.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 683 credit score.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Per credit report borrower has over 5 years of on time mortgage payment history. |
| xx | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 12.98 months reserves exceeds 12 months PITIA requirement per guideline<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 0x30, 60, 90 in past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: positive past mortgage payment 0x30, 60, 90 |
| xx | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 696 exceeds the Program Guidelines of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75.00% is lower than the Program Guidelines of 80.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years at the current residence. |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 30.78 Months PITI to the required 0<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at his residence for 7 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal Credit usage of 10.10%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reporting for 99 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30, 60, 90 past 24 months |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: 6 months x $3,346.11= $20,076.66Available Reserves: $320,274.38<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qual score- 715; Program min- 640<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: B1 has only made use of 0.00% of an available $XXX credit line |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 773 Guidelines allow 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV/CLTV/HLTV 80 % Guidelines allow 85 %<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Reserves of $1,868 as 34.033 months PITIA Guidelines require $0 Reserves |
| xx | XXXXXX | MS | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing flood cert | 6.3.2022= Client responded- Provided flood cert6.3.2022- Clayton Response- Received flood cert from client, exception satisfied | 6.3.2022- Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 716 exceed guideline requirement of 600 with 116 points<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's post close Assets are $13,982.80 or 9.79 months PITI |
| xx | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 vs 706<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 yrs vs 2 yrs<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required: $4,861.20 Reserves Available: 43,634.80 |
| xx | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at residence for 5 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Cash Reserves $172,416.43<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60% below guidelines |
| xx | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 vs 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% vs 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves: $67,691.40; Required reserves: $7,516.28 |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 664 vs 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $131,303.67; Required reserves: 0.00<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Established XXX 100% revolving credit available |
| xx | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 42.57 months PITI, none required..<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 697 exceed required minimum of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years. |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH189 | Missing credit report | No | Credit documents missing | 5.10.22- Client Response- Provided XXX credit report5.11.22-Clayton Response- Provided documentation satisfies exception | 5.11.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current address<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below maximum of 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's post close Assets are $57,264.99 or 32.23 months PITI |
| xx | XXXXXX | MA | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Per Appraisal 3 unit property. Missing updated valuation. | 4.13.2022-Client Response- Provided CDA4.13.2022-Clayton Response- Provided documentation satisfies exception | 4.13.20022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at residence for 14 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has a credit score of 777 which exceeds guidelines 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves of $111,03.66 exceed guidelines $0 required. |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower documented $187,312.18 available liquid and investment assets - $XXX funds for closing = $85,599.25 remaining assets - $10,518.00 funds to pay off the XXX 30-day account #: XXX - no required reserves on subject per lender guidelines = $75,081.25 remaining assets.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The middle credit score is 715 and guidelines allow a credit score of 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No mortgage late payments reflected on bureau in the last 12 months |
| xx | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit on credit report 7% utilization.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30 on all mortgages.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $17,939.15 or 10.77 months PITIA |
| xx | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. | (No Data) | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI > 20 points below guideline maximum of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower at current residence since XXX<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio is 0.273 |
| xx | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 16.44 months ITIA exceeds guideline minimum of 0 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has access to total of $XXX line of credit with 0 balance, paid as agreed<br>CFCFS2860: Good credit history<br> - Clayton Comments: Primary housing mortgage payment 0 x 30 x 18 |
| xx | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV/CLTV/HLTV 75 % Guidelines allow 80 %<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Reserves of $88,972 as 56.95 months PITIA Guidelines require 6 months or ($1,562 X 6 = $9,372)<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **PRPM 2023-NQM1** |
| **Start - End Dates:** | **3/2/2022 - 5/31/2022** |
| **Deal Loan Count:** | **41** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *41* |
| ***Loans with Conditions:*** | *7* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Number** | &nbsp;&nbsp;**TRID Indicator** | &nbsp;&nbsp;**Lender Application Date** | &nbsp;&nbsp;**Broker Application Date** | &nbsp;&nbsp;**Initial Securitization Overall Loan Grade** | &nbsp;&nbsp;**Final Securitization Overall Loan Grade** | &nbsp;&nbsp;**Initial Securitization Credit Loan Grade** | &nbsp;&nbsp;**Final Securitization Credit Loan Grade** | &nbsp;&nbsp;**Initial Securitization Property Valuations Loan Grade** | &nbsp;&nbsp;**Final Securitization Property Valuations Loan Grade** | &nbsp;&nbsp;**Initial Securitization Compliance Loan Grade** | &nbsp;&nbsp;**Final Securitization Compliance Loan Grade** | &nbsp;&nbsp;**Initial S&P Overall Loan Grade** | &nbsp;&nbsp;**Final S&P Overall Loan Grade** | &nbsp;&nbsp;**Initial S&P Credit Loan Grade** | &nbsp;&nbsp;**Final S&P Credit Loan Grade** | &nbsp;&nbsp;**Initial S&P Property Valuations Loan Grade** | &nbsp;&nbsp;**Final S&P Property Valuations Loan Grade** | &nbsp;&nbsp;**Initial S&P Compliance Loan Grade** | &nbsp;&nbsp;**Final S&P Compliance Loan Grade** | &nbsp;&nbsp;**Did Lender Acknowledge Exception at Origination** |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;Not Applicable |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;Not Applicable |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;No |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | PRPM 2023-NQM1 |
| **Start - End Dates:** | 3/2/2022 - 5/31/2022 |
| **Deal Loan Count:** | 41 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *41* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Number** | &nbsp;&nbsp;**Borrower Last Name** | &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Tape Data** | &nbsp;&nbsp;**Reviewer Data** |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;100375.75 | &nbsp;&nbsp;53231.55 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 ARM | &nbsp;&nbsp;30 Yr Fixed |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;63165.44 | &nbsp;&nbsp;35516.89 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;SIVA | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;689.09 | &nbsp;&nbsp;689.10 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;38588.29 | &nbsp;&nbsp;1314.44 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;78.75 | &nbsp;&nbsp;84.94 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1179.11 | &nbsp;&nbsp;1179.12 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 ARM | &nbsp;&nbsp;7/6 ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;107582.54 | &nbsp;&nbsp;102819.78 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;SIVA | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;Rate and Term Refi |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;6.00 | &nbsp;&nbsp;38.13 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;130156.96 | &nbsp;&nbsp;5565.23 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;39.0190 | &nbsp;&nbsp;35.2494 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;15487.00 | &nbsp;&nbsp;1.26 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;110419.14 | &nbsp;&nbsp;10405.35 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;7/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;6.00 | &nbsp;&nbsp;85.90 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 ARM | &nbsp;&nbsp;7/6 ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;SFR | &nbsp;&nbsp;High Rise Condo (9+) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;134840.09 | &nbsp;&nbsp;79433.51 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;10/1 I/O ARM | &nbsp;&nbsp;10/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;101714.26 | &nbsp;&nbsp;85599.25 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;SIVA | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;60264.09 | &nbsp;&nbsp;17939.15 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;SIVA | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;10/1 I/O ARM | &nbsp;&nbsp;10/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;122702.91 | &nbsp;&nbsp;124570.52 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;6.00 | &nbsp;&nbsp;48.46 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;76.63 | &nbsp;&nbsp;66.79 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;7/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;High Rise Condo (9+) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;No Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;20.00 | &nbsp;&nbsp;33.70 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;No Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;6.00 | &nbsp;&nbsp;90.44 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;7/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;236525.35 | &nbsp;&nbsp;275798.24 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;10/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;No Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;6.00 | &nbsp;&nbsp;97.53 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 ARM | &nbsp;&nbsp;7/6 ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;284283.11 | &nbsp;&nbsp;204944.41 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;7/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;173107.50 | &nbsp;&nbsp;80416.16 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;35.00 | &nbsp;&nbsp;35.06 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;7/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;SFR | &nbsp;&nbsp;SFR-Attached |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;6.00 | &nbsp;&nbsp;68.46 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 ARM | &nbsp;&nbsp;7/6 ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;No Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;18184.00 | &nbsp;&nbsp;272.28 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;123217.12 | &nbsp;&nbsp;81984.59 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;63.00 | &nbsp;&nbsp;62.75 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 ARM | &nbsp;&nbsp;7/6 ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;51233.17 | &nbsp;&nbsp;89240.77 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;18.00 | &nbsp;&nbsp;26.66 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 ARM | &nbsp;&nbsp;7/6 ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;6.00 | &nbsp;&nbsp;14.37 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;7/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;High Rise Condo (9+) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;6.00 | &nbsp;&nbsp;150.90 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;63725.42 | &nbsp;&nbsp;1040.46 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;No Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;56348.56 | &nbsp;&nbsp;25041.62 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;3.00 | &nbsp;&nbsp;12.98 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;620664.86 | &nbsp;&nbsp;0.00 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;7/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;73135.44 | &nbsp;&nbsp;3024.57 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;10.00 | &nbsp;&nbsp;1.39 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;7/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;135177.04 | &nbsp;&nbsp;5716.46 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;7/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;6.00 | &nbsp;&nbsp;95.72 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;10 Yr IO, Fixed Rate |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;123037.44 | &nbsp;&nbsp;1868.39 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;9.00 | &nbsp;&nbsp;0.70 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 ARM | &nbsp;&nbsp;7/6 ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;SFR | &nbsp;&nbsp;2 Family |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;9072.10 | &nbsp;&nbsp;22411.85 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;6.00 | &nbsp;&nbsp;15.69 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 ARM | &nbsp;&nbsp;7/6 ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;7068.00 | &nbsp;&nbsp;7190.97 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;76320.75 | &nbsp;&nbsp;39323.80 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;38.5880 | &nbsp;&nbsp;34.4933 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;24.00 | &nbsp;&nbsp;24.27 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;7068.00 | &nbsp;&nbsp;7190.97 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;426799.17 | &nbsp;&nbsp;172416.43 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;56.00 | &nbsp;&nbsp;58.09 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 ARM | &nbsp;&nbsp;7/6 ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;313970.39 | &nbsp;&nbsp;67691.40 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;9.00 | &nbsp;&nbsp;9.01 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;7/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;7/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;Mid Rise Condo (5-8) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;96235.55 | &nbsp;&nbsp;43490.81 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;112391.00 | &nbsp;&nbsp;57264.99 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;11.00 | &nbsp;&nbsp;32.24 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;30 Yr Fixed Interest Only |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;168788.00 | &nbsp;&nbsp;111703.66 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;57.00 | &nbsp;&nbsp;56.97 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;7/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;54995.81 | &nbsp;&nbsp;12172.11 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;16890.00 | &nbsp;&nbsp;3.26 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;96021.67 | &nbsp;&nbsp;35871.57 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;2.000 | &nbsp;&nbsp;1.000 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;7/6 IO ARM |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;Alt Doc/Bank Statements |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;6.00 | &nbsp;&nbsp;56.92 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX |
| &nbsp;&nbsp;©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | &nbsp;&nbsp;©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | &nbsp;&nbsp;©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | &nbsp;&nbsp;©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | &nbsp;&nbsp;©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | PRPM 2023-NQM1 |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | 3/2/2022 - 5/31/2022 |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 41 |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *41* | **Origination Values** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Number** | &nbsp;&nbsp;**Seller Loan Number** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**Sales Price** | &nbsp;&nbsp;**Value For LTV** | &nbsp;&nbsp;**Appraised Date** | &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;**Appraisal Form** | &nbsp;&nbsp;**AVM Vendor Name** | &nbsp;&nbsp;**Confidence Score** | &nbsp;&nbsp;**Review Date** | &nbsp;&nbsp;**Review Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance %** | &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance (%)** | &nbsp;&nbsp;**AVM FSD** | &nbsp;&nbsp;**Report Date** | &nbsp;&nbsp;**Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance (%)** | &nbsp;&nbsp;**Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance %** | &nbsp;&nbsp;**Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance (%)** | &nbsp;&nbsp;**Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance (%)** | &nbsp;&nbsp;**Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance (%)** | &nbsp;&nbsp;**Report Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance (%)** | &nbsp;&nbsp;**Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance (%)** | &nbsp;&nbsp;**Other - Valuation Type** | &nbsp;&nbsp;**Report Date** | &nbsp;&nbsp;**Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance (%)** | &nbsp;&nbsp;**CU Score** |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1073 Condo (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.9 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1073 Condo (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4.3 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1073 Condo (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2.6 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-8.82% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;(No Data) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;(No Data) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;(No Data) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2.6 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1073 Condo (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;(No Data) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1073 Condo (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;2.8 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1073 Condo (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.8 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1073 Condo (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-5.54% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3.7 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.6 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2.4 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;7.65% | &nbsp;&nbsp;Full Appraisal | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;7.65% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;7.65% | &nbsp;&nbsp;(No Data) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;(No Data) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;(No Data) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;(No Data) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2.6 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1073 Condo (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;(No Data) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2.6 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;(No Data) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4.2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.0 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-4.06% | &nbsp;&nbsp;Full Appraisal | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;(No Data) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1004 SFR (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2.6 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) |  |  |  | &nbsp;&nbsp;$0.00 |  |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |  |  | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;(No Data) |

---

## Exhibit 99.4

**Exhibit 99.4**

**Attachment A**

**Item 4: Description of the due diligence performed**

PRPM 2023-NQM1

**(1) Type of assets that were reviewed.**

Consolidated Analytics, Inc. ("Consolidated Analytics") performed certain due diligence services (the "Review") described below on 19 mortgage loans acquired by PRP-LB 2023-NQM1, LLC, through a bulk purchase. The Review was conducted from January 2022 through October 2022 on mortgage loans originated between November 2021 and October 2022.

**(2) Sample size of the assets reviewed.**

The Review consisted of a sample population of 19 loans with an aggregate principal balance of $7,172,200.50.

**(3) Determination of the sample size and computation.**

The sample population was determined and provided by Consolidated Analytics' client (as identified by Item 2). The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations S&P and DBRS Morningstar, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E. Consolidated Analytics does not know the size of the overall securitization population and other third-party review ("TPR") firms may have reviewed loans within the overall securitization population.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

Consolidated Analytics compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by Consolidated Analytics. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; <br> Property Type | &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;Original Appraised Value |
| &nbsp;&nbsp;Rate Lock Date | &nbsp;&nbsp;Original PI Payment | &nbsp;&nbsp;Borrower Last Name |
| &nbsp;&nbsp;Escrow Indicator | &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Orig Front End DTI | &nbsp;&nbsp;Original Note Rate | &nbsp;&nbsp;Original CLTV |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Orig Back End DTI | &nbsp;&nbsp;Property Address | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;UW FICO Utilized |
| &nbsp;&nbsp;AUS Type | &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;All Borrower Total Income |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Reserves |
| &nbsp;&nbsp;Original HOA Payment | &nbsp;&nbsp;Qualifying DSCR |  |

---

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** **Credit Documentation:** A review of the documentation underlying the credit decision was performed to determine sufficiency for
consideration in the Credit Review. The Credit Documentation review consisted of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan Application:** Complete loan application is present in the loan file for all borrowers/guarantors;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit Report:** Credit Report in file for all borrowers and meets guideline seasoning requirements
and contains OFAC clearance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Income Documentation / Lease Agreements:** Confirmation of the presence of income documentation in
the loan file when required by lender or Client specified underwriting guidelines. For rental properties where existing leases are required
to be verified, verify their presence and sufficiency for purpose based on underwriting guideline standards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Asset Documentation:** Confirmation of presence of asset documentation requirements relative to loan
type and guideline requirements for verification of closing funds and reserves;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower/Guarantor Identification:** Verify that the file contains a copy of a government issued
identification verification for each borrower (i.e. driver's license, state ID, passport);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Insurance Certificate:** Verify that the loan file contains a copy of the hazard insurance certificate
for the subject property and that flood insurance is also documented when required;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Property Valuation:** Confirm the presence of a complete appraisal report and supporting secondary
independent estimate of value;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Commercial Borrower Organizing Documentation:** Confirm the presence an Operating Agreement, Bylaws,
related amendments and filings or other organizing and operating documentation relative to the commercial borrower entity;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Articles of Incorporation/Certificate of Formation:** Confirm that each loan file contains a copy
of the Articles of Incorporation establishing registration within the state of operation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Certificate of Good Standing:** Confirm that each borrowing entity is active in the state of registration
by confirming the presence of a web print out or certification of good standing for the state is in the file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower Authority / Consent of Members:** Confirm that the loan file contains evidence that the
individual executing the loan agreements has been given signing authority on behalf of the borrowing entity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** **Legal Documentation:** A review of the documentation required to secure the lender's interest
in the loan and the borrower(s)' obligations thereunder was conducted with the purpose of validating their presence in the mortgage
loan file and sufficiency of execution:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Note/Loan Agreement/Security Instrument/Extension:** Verification of the presence of the note, loan
agreement or security instrument as applicable and that the agreement is properly executed by all parties. Confirm that all applicable
allonges or addenda to the note are evidenced in the loan file and duly executed by all responsible parties. If the subject loan has reached
or is nearing maturity confirm that an extension agreement is present and duly executed by all required parties;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Mortgage/Deed of Trust/Assignment of Rents:** Verify that a mortgage or deed of trust is in file
and is duly executed and notarized and that it contains all applicable riders including an assignment of rents;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Power of Attorney:** If closing docs are executed by a POA confirm that the POA complies with all
applicable underwriting and legal requirements including those for timing, form, authority and execution;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Personal Guaranty:** Verify that the requisite individual ownership percentage of a commercial entity
borrower as stipulated within Client or lender underwriting guidelines has provided a personal guaranty for the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Affidavit of Commercial Purpose/Occupancy Certification:** Verify that each file contains a borrower
statement verifying that the loan is for commercial purpose and that the subject property will not be owner occupied;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Title Policy:** Confirmation that the file contains evidence of title insurance and that the title
is free from material defects that could affect lien position;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Deed for Conveyance of Title:** Confirm that the applicable Grant or Warranty Deed is evidenced in
the loan file and properly conveys interest in the subject property;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Purchase Contract:** If applicable, confirm the presence of a valid and executed Purchase and Sale
Agreement along with any counter offers and modified terms of sale;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Settlement Statement:** As applicable based on loan type and origination date, confirm the presence
of a final settlement statement in the mortgage loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **Guidelines:** The underwriting guidelines as specified by Client served as the criteria under which
each loan qualification review took place. Qualification criteria includes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower/Guarantor Eligibility:** Review each borrower to ensure that they meet eligibility requirements
of underwriting guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Assets:** Validate that the mortgage loan file contains adequately qualified verification of assets
to meet underwriting standards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Debt-Service Coverage Ratios "DSCR":** Calculate the debt-service coverage ratio to ensure
it meets minimum guideline standards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit History:** Review the borrower credit reports and any supplemental credit history documentation
to verify whether the borrower met guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit Scores:** Review each borrower/guarantor credit report to validate that the credit score used
in qualification is accurate and whether it meets minimum loan qualification and underwriting standards as specified in the underwriting
guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Occupancy:** Confirm that the occupancy of the subject property used for qualification of the loan
is accurate and compliant with guideline requirements. Confirm that the borrower has executed an affidavit of commercial/business purpose
and that no other documentation that shows the subject property might be a primary residence;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan-to-Value Ratios:** Recalculate the Loan-to-Value Ratio utilizing the Purchase Contract, Property
Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired LTV and CLTV meet loan qualification and underwriting
guideline standards based on the calculation methods set forth in underwriting guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Insurance:** Confirm the adequacy of hazard insurance coverage and that premiums are included in
PITI calculations. If required based on flood zone, confirm the presence and adequacy of flood insurance coverage and that premiums are
included in PITI calculations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Compensating Factors:** Review and validate any compensating factors used in the qualification of
the loan and in consideration of loan level underwriting guideline exceptions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Letters of Explanation:** Confirm the presence of Letters of Explanation (LOX) where required per
underwriting guidelines and that each such LOX adequately addresses the eligibility scenario under question;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Exception Approvals:** Confirm that any exceptions to underwriting guidelines and/or investor guideline
overlays were fully documented, properly approved, and supported;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Misrepresentation / Fraud Review:** Validate that an independent third-party fraud report was obtained
for each guarantor when required by underwriting guidelines and that red flags on third party fraud reports have been reviewed.

**(6) Value of collateral securing the assets: review and methodology.**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Review original appraisal, determination that property is in "average" condition or better,
or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Review appraisal, determination that property is completely constructed and appraisal is on an "as
is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser
indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Review and determine the relevance of the comparable properties and ensure that a rational and reliable
value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Ensure subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. Where applicable, determine if the file did not contain the appraisal or other valuation method and a
review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. Additional valuation products were not required when the CU score provided was 2.5 or below. In the event
the CU score was greater than 2.5, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In
some instances, CDA's were ordered on loans that had an acceptable CU score based on guidance from the seller.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario (19 loans in total):

One (1) loan had a Secondary Appraisal, zero (0) loans had AVMs, and eleven (11) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There was one (1) occurrence of this.

Zero (0) loans had a Field Review or BPO, and zero (0) loans had an Exterior Only Appraisal Review.

**Product totals may not sum due to multiple products for each loan**

**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID
Regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by
TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Testing of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Determine whether specified federal disclosures were provided timely based upon comparison of the application
date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Notice of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the correct Right of Rescission document was executed for the transaction
type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm through NMLS the loan originator and originating firm's license status was active and properly
disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the
Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and consistent
with other documents; Confirm collateral documents have been recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**(8) Other: review and methodology.**

Not applicable.

**Attachment B**

**Item 5: Summary of findings and conclusions of review**

**Summary of Results**

**OVERALL RESULTS SUMMARY**

After giving consideration to the grading criteria, 47.37% of the loans received an Overall "B" grade and 52.63% of the loans received an Overall "A" grade.

**Final Loan Grades**

**Overall Loan Results:**

---

| | | | |
|:---|:---|:---|:---|
| Event Grade | Loan Count | Original Principal Balance | Percent of<br> Sample |
| Event Grade A | 10 | $3053012.50 | 52.63% |
| Event Grade B | 9 | $4119188.00 | 47.37% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 19 | $7172200.50 | 100.00% |

---

**Credit Results:**

---

| | | |
|:---|:---|:---|
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 11 | 57.89% |
| Event Grade B | 8 | 42.11% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 19 | 100.00% |

---

**Compliance Results (As applicable, 8 loans within population did not receive a Compliance Review)**

---

| | | |
|:---|:---|:---|
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 11 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 11 | 100.00% |

---

**Valuation Results:**

---

| | | |
|:---|:---|:---|
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 15 | 78.59% |
| Event Grade B | 4 | 21.05% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 19 | 100.00% |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Valuation Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception<br> Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Title Insurance Policy | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient Title Insurance Coverage | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Loan Application is Partial | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Closing Protection Letter | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Payoff Statement | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Tax Certificate | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Maximum LTC | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Maximum LTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Employment Verification does not meet guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Purchase Contract Addendum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Minimum Liquidity | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient Lease Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient Hazard Insurance Coverage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Flood Certificate | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Settlement Statement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Hazard Insurance Policy | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Underwriting FICO does not meet Guideline Minimum Required | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Operating Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Conveyance Deed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Condo Questionaire | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***48*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan amount is less than the minimum required loan amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Cash to Borrower Exceeds Maximum Allowable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Age Of Credit Report | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;9 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;3 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;TRID Initial Closing Disclosure Date and Funding Date Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;ATR/QM Status is Pending | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Alert (12 CFR 1026.35(c)(5)). | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***16*** |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;Missing Appraisal Review | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;Ineligible Appraisal Type | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;Missing Rent Range | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;Is Completion Certificate in file is No | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;Property located in FEMA Declared Disaster Area with no subsequent Property Inspection | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;UCDP Summary Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;Age Of Background Report | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;Missing Master Condo Policy | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;Missing Appraisal Review | &nbsp;&nbsp;*3* |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;Insufficient Appraisal Variance | &nbsp;&nbsp;*1* |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;***Total Valuation Grade (A) Exceptions:*** | &nbsp;&nbsp;***18*** |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Square Footage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;B | &nbsp;&nbsp;Age Of Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Valuation Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the nineteen (19) mortgage loans reviewed, fourteen (14) unique mortgage loans (73.68% by loan count) had a total of forty-seven (47) tape discrepancies across eighteen (18) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy<br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Guarantor Last Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;17.02% |
| &nbsp;&nbsp;Borrower Email | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.89% |
| &nbsp;&nbsp;Borrower Billing Phone Number | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.89% |
| &nbsp;&nbsp;Property Acquisition Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;12.77% |
| &nbsp;&nbsp;Guarantor Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;6.38% |
| &nbsp;&nbsp;Original Collateral Value Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;Most Recent Property Valuation Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;Cost Basis | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Original PI Payment | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Original Collateral Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Purchase Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Original Credit Report Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Number of Guarantors | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**47** | &nbsp;&nbsp;**100.00%** |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp; <br> **Final Loan Grade** | &nbsp;&nbsp; <br> **Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

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| | | | | |
|:---|:---|:---|:---|:---|
| **Account Number** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |
| XX | Property_Address | XXX | XXX | FALSE |
| XX | Property_Type | XXX | XXX | FALSE |
| XX | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XX | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XX | Original_PI_Payment | XXX | XXX | FALSE |
| XX | Original_Collateral_Value | XXX | XXX | FALSE |
| XX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XX | GUARANTOR LAST NAME | XXX | XXX | FALSE |
| XX | PROPERTY ACQUISITION DATE | XXX | XXX | FALSE |
| XX | PURCHASE PRICE | XXX | XXX | FALSE |
| XX | BORROWER EMAIL | XXX | XXX | FALSE |
| XX | BORROWER BILLING PHONE NUMBER | XXX | XXX | FALSE |
| XX | GUARANTOR FIRST NAME | XXX | XXX | FALSE |
| XX | GUARANTOR LAST NAME | XXX | XXX | FALSE |
| XX | PROPERTY ACQUISITION DATE | XXX | XXX | FALSE |
| XX | PURCHASE PRICE | XXX |  | FALSE |
| XX | BORROWER EMAIL | XXX | XXX | FALSE |
| XX | BORROWER BILLING PHONE NUMBER | XXX | XXX | FALSE |
| XX | GUARANTOR FIRST NAME | XXX | XXX | FALSE |
| XX | GUARANTOR LAST NAME | XXX | XXX | FALSE |
| XX | NUMBER OF GUARANTORS | XXX | XXX | FALSE |
| XX | MOST RECENT PROPERTY VALUATION DATE | XXX | XXX | FALSE |
| XX | PROPERTY ACQUISITION DATE | XXX | XXX | FALSE |
| XX | PURCHASE PRICE | XXX |  | FALSE |
| XX | BORROWER EMAIL | XXX | XXX | FALSE |
| XX | BORROWER BILLING PHONE NUMBER | XXX | XXX | FALSE |
| XX | GUARANTOR FIRST NAME | XXX | XXX | FALSE |
| XX | GUARANTOR LAST NAME | XXX | XXX | FALSE |
| XX | PROPERTY ACQUISITION DATE | XXX | XXX | FALSE |
| XX | ORIGINAL CREDIT REPORT DATE | XXX | XXX | FALSE |
| XX | PURCHASE PRICE | XXX |  | FALSE |
| XX | BORROWER EMAIL | XXX | XXX | FALSE |
| XX | BORROWER BILLING PHONE NUMBER | XXX | XXX | FALSE |
| XX | GUARANTOR LAST NAME | XXX | XXX | FALSE |
| XX | MOST RECENT PROPERTY VALUATION DATE | XXX | XXX | FALSE |
| XX | COST BASIS | XXX | XXX | FALSE |
| XX | PROPERTY ACQUISITION DATE | XXX |  | FALSE |
| XX | PURCHASE PRICE | XXX | XXX | FALSE |
| XX | ORIGINATION DATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XX | TENANT OCCUPIED | XXX |  | FALSE |
| XX | BORROWER EMAIL | XXX | XXX | FALSE |
| XX | BORROWER BILLING PHONE NUMBER | XXX | XXX | FALSE |
| XX | GUARANTOR LAST NAME | XXX | XXX | FALSE |
| XX | COST BASIS | XXX | XXX | FALSE |
| XX | PROPERTY ACQUISITION DATE | XXX |  | FALSE |
| XX | BORROWER BILLING PHONE NUMBER | XXX | XXX | FALSE |
| XX | GUARANTOR LAST NAME | XXX | XXX | FALSE |
| XX | PROPERTY ACQUISITION DATE | XXX | XXX | FALSE |
| XX | PURCHASE PRICE | XXX |  | FALSE |
| XX | INTEREST RATE | XXX | XXX | FALSE |
| XX | TENANT OCCUPIED | XXX | XXX | FALSE |
| XX | BORROWER EMAIL | XXX | XXX | FALSE |
| XX | BORROWER BILLING PHONE NUMBER | XXX | XXX | FALSE |
| XX | GUARANTOR LAST NAME | XXX | XXX | FALSE |
| XX | PROPERTY ACQUISITION DATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XX | PURCHASE PRICE | XXX |  | FALSE |
| XX | BORROWER EMAIL | XXX | XXX | FALSE |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Client Loan Number** | **Pool** | **Review Type** | **Originating Lender** | **Borrower Last Name** | **State** | **Note Date** | **Loan Amount** | **Loan Purpose** | **Occupancy** | **ATR/QM Status** | **TRID Indicator** | **Condition ID** | **Condition Category** | **Condition Subcategory** | **Status** | **Condition Grade** | **Condition Standardized Description** | **ComplianceEase Comments** | **Condition Custom Description** | **Compliance Remediation** | **Lender Response** | **Condition Resolution** | **Compensating Factors** |
| 110048144 | XX | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Compliance |  | Acknowledged | 1 | Higher-Priced Mortgage Loan | XX/XX/XXXX - Higher-Priced Mortgage Loan (XXX CFR XXX)The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a XXX lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; XX/XX/XXXX - XXX. Acknowledged.; |  |  | XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; XX/XX/XXXX - XXX. Acknowledged. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. |
| 110048144 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Credit |  | Cleared | 1 | Borrower Liabilities Verification Indicator is Partial |  | XX/XX/XXXX - Borrower liabilities verified indicator is Partial. <br> 1. Missing evidence of the subject property tax obligation used in qualification. <br> 2. A soft pull dated within XXX calendar days of funding or undisclosed monitoring through the funding date must be provided with the closed loan package.<br> ; |  | XX/XX/XXXX - Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.; XX/XX/XXXX - Updated Guidelines provided.; | XX/XX/XXXX - Exception Resolved.; XX/XX/XXXX - Borrower liabilities verified indicator is Present; XX/XX/XXXX - Updated Guidelines provided.;XX/XX/XXXX - Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. |
| 110048144 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Credit |  | Cleared | 1 | Borrower Employment Verification does not meet guidelines |  | XX/XX/XXXX - Per Guidelines, Section XXX: Product Eligibility: The XXX letter did not state as required, the business/applicant are active and/or in good standing. The Secretary of State Annual Report Status (pg XXX) provided by lender shows the business is active, however not in good standing for failure to file annual report.; |  | XX/XX/XXXX - Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided documentation.; | XX/XX/XXXX - Exception Resolved.; XX/XX/XXXX - Lender provided documentation including CPA letter.; XX/XX/XXXX - Lender provided documentation.; XX/XX/XXXX - Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. |
| 110048144 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Compliance |  | Cleared | 1 | ATR/QM Status is Pending |  | XX/XX/XXXX - ATR/QM Status is pending. Noted documentation is required per Appendix Q.; |  |  | XX/XX/XXXX - NQM | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. |
| 110048424 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Compliance |  | Acknowledged | 1 | Higher-Priced Mortgage Loan | XX/XX/XXXX - Higher-Priced Mortgage Loan (XXX CFR XXX)The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a XXX lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | XX/XX/XXXX - Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; XX/XX/XXXX - XXX. Acknowledged.; XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 110048424 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Credit |  | Cleared | 1 | Borrower Income Verification does not match Approval |  | XX/XX/XXXX - The borrower income verification does not match approval. File is missing Bank Statement for XX/XX/XXXX to XX/XX/XXXX for XXX account # ending in XXX.; |  | XX/XX/XXXX - Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided complete bank statement for account and dates requested.; | XX/XX/XXXX - The borrower income verification does match approval. Exception Resolved.; XX/XX/XXXX - Lender provided complete bank statement for account and dates requested.; XX/XX/XXXX - Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 110048424 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Compliance |  | Cleared | 1 | Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Alert (12 CFR 1026.35(c)(5)). |  | XX/XX/XXXX - Loan is a Higher-Priced Mortgage Loan and Borrower's Right to Receive Appraisal Disclosure was not provided.; XX/XX/XXXX - File shows appraisal received by borrower but is missing the initial "Right to Receive Appraisal" Disclosure.; |  | XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Alert (XX CFR XXX).' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided Appraisal/Valuation Acknowledgment.; | V - Loan is a Higher-Priced Mortgage Loan and Borrower's Right to Receive Appraisal Disclosure provided. \* Exception Resolved.; XX/XX/XXXX - Lender provided Appraisal/Valuation Acknowledgment.; XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Alert (XX CFR XXX).' from Active to Open Rebuttal. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 110048424 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Compliance |  | Active | 1 | No Compliance Findings |  | XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 110048424 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Credit |  | Active | 1 | No Credit Findings |  | XX/XX/XXXX - The loan meets all applicable credit guidelines.; |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 110049289 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Acknowledged | 2 | Borrower Liabilities Verification Indicator is Partial |  | XX/XX/XXXX - Borrower liabilities verified indicator is Partial. Per Guidelines, Section XXX First Time Home Buyers are not allowed under the XXX program.; |  |  | XX/XX/XXXX - Borrower liabilities verified indicator is Partial; XX/XX/XXXX - Borrower liabilities verified indicator is Present; XX/XX/XXXX - Change severity of 'Borrower Liabilities Verification Indicator is Partial' from Material to Non-Material.; XX/XX/XXXX - Exception resolved. Approved lender exception provided.; XX/XX/XXXX - Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Acknowledged by Client. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. |
| 110049289 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Compliance |  | Active | 1 | No Compliance Findings |  | XX/XX/XXXX - The exception 'No Compliance Findings' is cleared.;XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| 110047182 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Borrower Liabilities Verification Indicator is Partial |  | XX/XX/XXXX - Borrower liabilities verified indicator is Partial: Section XXX of the XXX Guidelines dated XX/XX/XXXX states "An Undisclosed Debt Monitoring report dated within XXX days of closing is required". Provide report.; |  | XX/XX/XXXX - Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided updated guidelines, undisclosed debt monitoring within XXX days of the note not required; | XX/XX/XXXX - Borrower liabilities verified indicator is Present; XX/XX/XXXX - Lender provided updated guidelines, undisclosed debt monitoring within XXX days of the note not required; XX/XX/XXXX - Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal. |  |
| 110047182 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Compliance |  | Active | 1 | No Compliance Findings |  | XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; |  |  |  |  |
| 110048574 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | CashOut Refinance | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Borrower Employment Verification does not meet guidelines |  | XX/XX/XXXX - Provide certificate of good standing from the applicable Secretary of State's office. XXX Division of Corporations search (page XXX) is not sufficient. ; |  | XX/XX/XXXX - Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided verification.; | XX/XX/XXXX - Exception Resolved.; XX/XX/XXXX - Lender provided verification.; XX/XX/XXXX - Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal. | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX |
| 110048574 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | CashOut Refinance | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | Is Completion Certificate in file is No |  | XX/XX/XXXX - Appraisal completed subject to repairs due to security bars on all bedroom windows. Provide Form XXXD.; XX/XX/XXXX - The appraisal was completed "Subject To" however, the file is missing the Completion Certificate.; |  | XX/XX/XXXX - Lender provided Processor Certification with photos showing security bars removed.; XX/XX/XXXX - Change status of 'Is Completion Certificate in file is No' from Active to Open Rebuttal.; | XX/XX/XXXX - Exception Resolved.; XX/XX/XXXX - The Completion Certificate is Yes; XX/XX/XXXX - Lender provided Processor Certification with photos showing security bars removed.; XX/XX/XXXX - Change status of 'Is Completion Certificate in file is No' from Active to Open Rebuttal. | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX |
| 110048574 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | CashOut Refinance | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Final Loan Application is Partial |  | XX/XX/XXXX - Final Loan Application is Partial; XX/XX/XXXX - Declarations section on page XXX of final loan application incomplete. ; |  |  | XX/XX/XXXX - Final Loan Application is Present | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX |
| 110048574 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | CashOut Refinance | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Acknowledged | 2 | Housing history does not meet guidelines |  | XX/XX/XXXX - Section XXX of the XXX Guidelines dated XX/XX/XXXX state, "No housing history is acceptable if: The borrower lives in a marital home that is owned or leased by the spouse, the mortgage or rent on the martial home must be current as evidence by a minimum of a XXX-month rating." Borrower is living rent free with his daughter per letter of explanation. No mortgage history for residence of XXX. No exception in file to allow non-marital home to meet housing history requirement.; XX/XX/XXXX - Borrower is living rent-free with daughter and there is no exception in file.; |  |  | XX/XX/XXXX - Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.; XX/XX/XXXX - Lender granted exception for rent free housing history.; XX/XX/XXXX - Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX |
| 110048574 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | CashOut Refinance | Investment Property | ATR/QM: Exempt |  | XXX | Compliance |  | Active | 1 | No Compliance Findings |  | XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; XX/XX/XXXX - The exception 'No Compliance Findings' is cleared.; |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX |
| 110049112 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Credit |  | Cleared | 1 | Asset Documents are Incomplete |  | XX/XX/XXXX - Asset Documents are Incomplete: Gift letter, pg XXX, and donor's bank account, pgs XXX-XXX, are in the loan file, for proof they have ability to donate. Missing evidence of receipt of gift funds by title company for funds to close.; |  | XX/XX/XXXX - Lender provided proof of wires, to settlement agent, to support both gifts. Assets/Reserves verified.; XX/XX/XXXX - Change status of 'Asset Documents are Incomplete' from Active to Open Rebuttal.; | XX/XX/XXXX - Exception resolved.;XX/XX/XXXX - Lender provided proof of wires, to settlement agent, to support both gifts. Assets/Reserves verified.; XX/XX/XXXX - Change status of 'Asset Documents are Incomplete' from Active to Open Rebuttal. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 110049112 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Compliance |  | Acknowledged | 1 | Higher-Priced Mortgage Loan | XX/XX/XXXX - Higher-Priced Mortgage Loan (XXX CFR XXX)The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a XXX lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | XX/XX/XXXX - Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - XXX. Acknowledged.; |  |  | XX/XX/XXXX - XXX. Acknowledged.; XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 110049112 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Credit |  | Cleared | 1 | Borrower Income Verification does not match Approval |  | XX/XX/XXXX - Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided their Bank Statement Calculation Worksheet. Origination and Auditor calcs now supported/documented. Placed note in Auditor's BS Calcualtion Worksheet. ; XX/XX/XXXX - The borrower income verification does match approval. Exception resolved.; XX/XX/XXXX - The borrower income verification does not match approval: Missing Lender bank statement calculation worksheet.; |  | XX/XX/XXXX - Lender provided their Bank Statement Calculation Worksheet. Origination and Auditor calcs now supported/documented. Placed note in Auditor's BS Calcualtion Worksheet. ; XX/XX/XXXX - Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; | XX/XX/XXXX - The borrower income verification does match approval. Exception resolved.; XX/XX/XXXX - Lender provided their Bank Statement Calculation Worksheet. Origination and Auditor calcs now supported/documented. Placed note in Auditor's BS Calcualtion Worksheet. ; XX/XX/XXXX - Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; XX/XX/XXXX - The borrower income verification does not match approval: Missing Lender bank statement calculation worksheet. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 110049112 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Credit |  | Cleared | 1 | Final Loan Application is Partial |  | XX/XX/XXXX - Final Loan Application is Partial. \* Current/previous address info doesn't match LOE's + rent payments. XXX (pg XXX) states two years at current (XXX $XXX per month). See LOEs pgs XXX. Pg XXX states at XXX XX/XXX - XX/XXXX. Pg XXX states at XXX XX/XXXX - XX/XXXX. Doesn't support two years at XXX per XXXX.<br>Rent pmts provided for XXX months but none are for $XXX. Does support XXX months no lates. Pgs XXX / XXX-XXX. Who rent was paid to did change in XX/XX/XXXX so supports dates on LOEs. <br>Business name on final application appears to be incorrect. Please update.<br> Appears XXX needs correction.; |  | XX/XX/XXXX - Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided updated XXX.; | XX/XX/XXXX - Exception Resolved.; XX/XX/XXXX - Final Loan Application is Present; XX/XX/XXXX - Lender provided updated XXXX.; XX/XX/XXXX - Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 110049112 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Credit |  | Acknowledged | 2 | Housing history does not meet guidelines |  | XX/XX/XXXX - Proof of rent pmts provided via bank stmts but no XXX, from professional management company, provided. Section XXX of Lender guides require fully completed and signed XXX if applicant rents from a professional management company. If borrower rents from a private landlord, the most recent XXX months consecutive cancelled checks (front and back) along with a copy of the lease must be provided.; |  |  | XX/XX/XXXX - Lender granted exception for missing XXX.; XX/XX/XXXX - Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.; XX/XX/XXXX - Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; XX/XX/XXXX - Exception remains: Provide XXX if borrower rents from professional management company or provide copy of lease agreement if borrower rents from private landlord. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 110049112 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Compliance |  | Active | 1 | No Compliance Findings |  | XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 110049112 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Credit |  | Cleared | 1 | No Credit Findings |  | XX/XX/XXXX - The exception 'No Credit Findings' is cleared.;XX/XX/XXXX - The loan meets all applicable credit guidelines.; |  |  | XX/XX/XXXX - The exception 'No Credit Findings' is cleared.; XX/XX/XXXX - The loan meets all applicable credit guidelines. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 110049873 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Underwriting FICO does not meet Guideline Minimum Required |  | XX/XX/XXXX - Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX. Guidelines dated XX/XX/XXXX require a XXX FICO for LTV of XXX% for an investment purchase. No exception found in the loan file.; |  | XX/XX/XXXX - Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided updated guidelines dated XX/XX/XXXX which allow XXX FICO LTV XXX% purchase.; | XX/XX/XXXX - Exception Resolved.; XX/XX/XXXX - Underwriting FICO of XXX is greater than or equql to the minimum required guideline FICO of XXX. Lender provided updated GL's dated XX/XX/XXXX in effect for this loan.; XX/XX/XXXX - Lender provided updated guidelines dated XX/XX/XXXX which allow XXX FICO LTV XXX% purchase.; XX/XX/XXXX - Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Open Rebuttal. | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXX are greater than the Guideline Minimum of XXX or $XXX |
| 110049873 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Final Loan Application is Partial |  | XX/XX/XXXX - Final Loan Application is Partial. The declaration section of the final XXX is not complete.; |  |  | XX/XX/XXXX - Final Loan Application is Present | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXX are greater than the Guideline Minimum of XXX or $XXX |
| 110049873 | xx | XXX |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Compliance |  | Active | 1 | No Compliance Findings |  | XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXX are greater than the Guideline Minimum of XXX or $XXX |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Acknowledged | 2 | Liquid Reserves are less than Guidelines Required |  | Lender Exception Approved for Reserves. The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX. Comp Factors: Years on Job, Years in Primary Home, Housing History XXX (no primary housing payment). |  | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.;<br> Exception for reserves being just under the XXX mo. guideline requirement. Compensating factors listed as the number of years in home, XXX housing history, and years on job. | Exception for reserves being just under the XXX mo. guideline requirement. Compensating factors listed as the number of years in home, XXX housing history, and years on job. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Compliance |  | Cleared | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | Property located in FEMA Declared Disaster Area with no subsequent Property Inspection |  | Property is located in a FEMA disaster area with no post disaster inspection. Hurricane Ian hit XXX on XX/XX/XXXX. Appraisal XXX Completion Cert was dated one day prior on XX/XX/XXXX.; XX/XX/XXXX - Disaster inspection provided.; Exception resolved. |  | Change status of 'Property located in FEMA Declared Disaster Area with no subsequent Property Inspection' from Active to Open Rebuttal.;<br> ..; XX/XX/XXXX - Disaster inspection provided. | Post Disaster Inspection provided ; Exception resolved. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | CashOut Refinance | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Property |  | Cleared | 1 | UCDP Summary Report is Missing |  | The XXX indicator is Missing; XX/XX/XXXX - Compliance Cert provided; Exception resolved. |  | Change status of 'UCDP Summary Report is Missing' from Active to Open Rebuttal.;<br> ..; XX/XX/XXXX - Compliance Cert provided | The SSR indicator is Present; Exception resolved. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | CashOut Refinance | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Compliance |  | Cleared | 1 | TRID Initial Closing Disclosure Date and Funding Date Validation Test |  | This loan failed the XXX closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields.; Exception resolved. ; Provide update disbursement date or XXX. Disbursement date on final CD is XX/XX/XXXX, however the consummation date was XX/XX/XXXX. |  |  | This compliance test 'TRID Initial Closing Disclosure Date and Funding Date Validation Test' is no longer tested | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | CashOut Refinance | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Compliance |  | Cleared | 1 | TILA Right of Rescission Test |  | This loan failed the TILA right of rescission test.Closed-end (XXX CFR §XXX , transferred from XXX CFR §XXX), Open-end (XXX CFR §XXX , transferred from XXX CFR §XXX)The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XXX CFR §XXX or §XXX, or delivery of all material disclosures, whichever occurs last.; Exception resolved.; Provide update disbursement date or PCCD. Disbursement date on final CD is XX/XX/XXXX, however the consummation date was XX/XX/XXXX. |  |  | This loan passed the TILA right of rescission test.Closed-end (XXX CFR XXXX) , transferred from XXX CFR §XXX), Open-end (XXX CFR §XXX) , transferred from XXX CFR §XXXX)The funding date is not before the third business day following consummation.<br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX or §XXXX, or delivery of all material disclosures, whichever occurs last. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | CashOut Refinance | Owner occupied | Non-QM: Lender documented all ATR UW factors |  | XXX | Credit |  | Acknowledged | 2 | Cash to Borrower Exceeds Maximum Allowable |  | Cash to borrower exceeds maximum allowable. Guideline maximum amount to borrower is: $XXX |  | Change status of 'Cash to Borrower Exceeds Maximum Allowable' from Active to Acknowledged by Client.;<br> Exception requested for cash out amount, LTV/Fico. Compensating factors listed are DTI, over XXX mo. reserves, and high discretionary income. | Exception granted for cash out amount, LTV/Fico. Compensating factors listed are DTI, over XXX mo. reserves, and high discretionary income. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | CashOut Refinance | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Acknowledged | 2 | Housing history does not meet guidelines |  | Housing history does not meet guidelines. The primary residence is in the name of the non-borrowing spouse.; Approved exception in file for no primary residence housing payment history(PR mortgage is in non-borrowing spouse name). Compensating factors include LTV, XXX months reserves, and borrower has an investment property with XXX months satisfactory mortgage payment history. |  | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.;<br> Approved exception in file for no primary residence housing payment history(PR mortgage is in non-borrowing spouse name). Compensating factors include LTV, XXX months reserves, and borrower has an investment property with XXX months satisfactory mortgage payment history. | Approved exception in file for no primary residence housing payment history(XXX mortgage is in non-borrowing spouse name). Compensating factors include LTV, XXX months reserves, and borrower has an investment property with XXX months satisfactory mortgage payment history. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | CashOut Refinance | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Acknowledged | 2 | Loan amount is less than the minimum required loan amount |  | Loan amount of XXX is less than the minimum required loan amount of XXX |  | Change status of 'Loan amount is less than the minimum required loan amount' from Active to Acknowledged by Client.;<br> XX/XX/XXXX - Lender guideline exception provided due to compensating factors of low LTV, XXX+ months reserves, number of years in home and housing history of XXX for XXX+ months. | Lender guideline exception provided due to compensating factors of low LTV, XXX+ months reserves, number of years in home and housing history of XXX for XXX+ months. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | CashOut Refinance | Investment Property | ATR/QM: Exempt |  | XXX | Compliance |  | Cleared | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | CashOut Refinance | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Compliance |  | Cleared | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Final Loan Application is Partial |  | Final Loan Application is Partial. The final XXX is marked "I do not own any real estate" and does not correctly reflect the borrowers primary residence located at XXX. The borrowers primary residence should be disclosed on the XXX even when XXX calculations do not apply per the DSCR program. |  | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.;<br> XX/XX/XXXX - Explanation received for properties missing from REO section of 1003. ; Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.;<br> Docs received XX/XX/XXXX; Change status of 'Final Loan Application is Partial' from Open Rebuttal to Active.;<br> Explanation, given in response, is insufficient to clear exception. Please provide documentation or guideline to support explanation. Otherwise please provide updated 1003 with primary property listed in section 3 of application. | Final Loan Application is Present | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| 4.461E+09 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Acknowledged | 2 | DSCR is less than guideline minimum |  | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. <br>DSCR calculation: $XXX/XXX=XXX is the lenders calculation. Minimum required DSCR is XXX. Audit finds that guidelines require documentation of XXX consecutive months of rent if the higher amount of rent is used from the lease agreement. Lender documented The first month rent and the security deposits only. Audit DSCR calculation is $XXX/$XXX=XXX. <br>Compensating factors include XXX months reserves and housing history XXX. |  | Change status of 'DSCR is less than guideline minimum' from Active to Acknowledged by Client.;<br> Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. The lender cited an exception. Compensating factors include XXX months reserves and housing history XXX. | The lender cited an exception. Compensating factors include XXX months reserves and housing history XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| 410401026 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Flood Certificate |  | Missing Flood Certificate |  |  | XX/XX/XXXX: Received |  |
| 410401026 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Insufficient Title Insurance Coverage |  | $XXX Title Insurance Coverage < $XXX Minimum Required. Provide Additional Coverage |  |  | XX/XX/XXXX:Received |  |
| 410401026 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Payoff Statement |  | Missing Payoff Statement |  |  | XX/XX/XXXX:Received |  |
| 410401026 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Closing Protection Letter |  | Missing Closing Protection Letter |  | XX/XX/XXXX: Received However Same Is Missing Lender XX | XX/XX/XXXX:Received |  |
| 410401026 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | Ineligible Appraisal Type |  | Insufficient Appraisal Provided. Please Provide Appraisal Approved By XXX |  |  | XX/XX/XXXX: Approved Appraiser |  |
| 410091040 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance No Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | Missing Appraisal Review |  | Missing Third Party Appraisal Review For Subject Property, XXX, XXX, XXX, |  |  | XX/XX/XXXX:Received |  |
| 410091040 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance No Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Closing Protection Letter |  | Missing Closing Protection Letter |  |  | XX/XX/XXXX:Received |  |
| 410091040 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance No Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Title Insurance Policy |  | Missing Evidence Of Title Report And Any Payoff Statements If Applicable |  | XX/XX/XXXX: Missing Owner'S Title Insurance Policy. Only Lender'S Title Insurance Policy Was Included | XX/XX/XXXX:Received |  |
| 410091040 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance No Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Tax Certificate |  | Missing Tax Certs For All Subject Properties. |  |  | XX/XX/XXXX:Received |  |
| 410091040 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance No Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Maximum Ltv |  | Ltv Is XXX% > XXX% Max Allowed. XXX Approval Required |  |  | XX/XX/XXXX: Upated Primary Guarantor To XXX (Credit Score XXX). Ltv Now Sufficient |  |
| 410091041 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | Missing Appraisal Review |  | Missing Third Party Appraisal Review For Subject Properties, XXX, XXX, XXX & XXX, |  |  | XX/XX/XXXX:Received |  |
| 410091041 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Hazard Insurance Policy |  | Missing Evidence Of Hazard Insurance For Subject Property, XXX |  |  | XX/XX/XXXX:Received |  |
| 410091041 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Tax Certificate |  | Missing Tax Certificate- For All Subject Properties. |  |  | XX/XX/XXXX:Received |  |
| 410091041 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Title Insurance Policy |  | Missing Evidence Of Title Insurance |  |  | XX/XX/XXXX:Received |  |
| 410091041 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Closing Protection Letter |  | Missing Closing Protection Letter |  |  | XX/XX/XXXX:Received |  |
| 410091041 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Payoff Statement |  | Missing Payoff Statement(S) |  |  | XX/XX/XXXX: In Closing Package |  |
| 410091041 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Maximum Ltc |  | XXX% Ltc >XXX% Max Allowed. XXX Approval Required |  |  | XX/XX/XXXX: Upated Primary Guarantor To XXX (Credit Score XXX). Ltv Now Sufficient |  |
| 410091041 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 2 | Age Of Appraisal |  | XXX Appraisal Months >XXX Allowed. |  |  | XX/XX/XXXX:Waiver Approved |  |
| 410091042 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | Missing Appraisal Review |  | Missing Third Party Appraisal Review For Subject Properties,XXX, XXX, XXX, XXX & XXX. |  |  | XX/XX/XXXX:Received |  |
| 410091042 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Insufficient Lease Agreement |  | Lease In File For Subject Property XXX, Is Missing Landlord Signature. |  |  | XX/XX/XXXX:Rescinded |  |
| 410091042 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Maximum Ltc |  | XXX% Ltc > XXX% Max Allowed. XXX% Approval Required |  |  | XX/XX/XXXX: Upated Primary Guarantor To XXX (Credit Score XXX). Ltv Now Sufficient |  |
| 410091042 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Closing Protection Letter |  | Missing Cpl. |  |  | XX/XX/XXXX:Received |  |
| 410091042 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Title Insurance Policy |  | Missing Evidence Of Title Insurance And Any Applicable Payoffs |  |  | XX/XX/XXXX:Received |  |
| 410091042 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Tax Certificate |  | Missing Tax Cert. For All Subject Properties. |  |  | XX/XX/XXXX:Received |  |
| 410091042 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Insufficient Title Insurance Coverage |  | $XXX Title Insurance Coverage < $XXX Minimum Required. Provide Additional Coverage |  |  | XX/XX/XXXX:Received |  |
| 410031001 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 2 | Age Of Credit Report |  | XXX Days Age Of Credit Report > XXX Days Max Allowed. Provide Updated Credit Report. |  |  | XX/XX/XXXX: Please Waive With XXX Consent. XXX Approves Aged Credit Report As It Is Repeat Borrower. Note That Max Allowed Is XXX Days For A Repeat Borrower |  |
| 410031001 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Condo Questionaire |  | Missing Condo Questionnaire |  | XX/XX/XXXX: Received Condo Questionnaire, Which Is Missing Answer To Question # XXX | XX/XX/XXXX: Received Updated Condo Questinnaire |  |
| 410031001 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Title Insurance Policy |  | Missing Evidence Of Title Insurance |  |  | XX/XX/XXXX:Received |  |
| 410031001 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Settlement Statement |  | Missing Final Settlement Statement. |  | XX/XX/XXXX: Settlement Statement Provided Does Not Include Purchase Price, And Cash Amount Due From Borrower. Please Provide Complete Itemized Executed Settlement Statement | XX/XX/XXXX:Received |  |
| 410031001 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | Missing Master Condo Policy |  | Master Condo Policy Missing Subject Property Address And Lender/S Mortgagee Clause |  | XX/XX/XXXX: Received Master Condo Policy With Subject Property Address; However Still Missing Lender'S Mortgagee Clause. Please Provide<br> XX/XX/XXXX: Doc Provided Is Ho6 Coverage For Individual Unit. Still Missing Master Condo Policy With Subject Property Address And Lender'S Mortgagee Clause. Please Provide | XX/XX/XXXX:Received |  |
| 410031001 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Operating Agreement |  | Provide Operating Agreement For XXX To Tie Asset To Borrower/Guarantor |  |  | XX/XX/XXXX:Received |  |
| 410031001 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 2 | Minimum Square Footage |  | Subject Property XXX Sf < XXX Sf Minimum Required. XXX To Approve |  |  | XX/XX/XXXX: Waiver Approval - Approved. Note That XXX Sf Is The Absolute Floor |  |
| 410031001 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Lease Agreement |  | Missing Lease Agreement Or Third Party Rent Estimate |  |  | XX/XX/XXXX: Received And Used Rentrange For $XXX Per Month (Lower Than Market Rent) |  |
| 410211081 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | Missing Appraisal Review |  | Missing Third Party Appraisal Review |  |  | XX/XX/XXXX:Received |  |
| 410211081 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | Missing Rent Range |  | Missing Third Party Rent Estimate |  |  | XX/XX/XXXX:Received |  |
| 410211081 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Purchase Contract Addendum |  | Missing Purchase Contract Addendum Extending Closing Date |  | XX/XX/XXXX: Still Required | XX/XX/XXXX:Received |  |
| 410211081 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | Ineligible Appraisal Type |  | Insufficient Appraisal. Appraisal In File Dated XX/XX/XXXX Shows Property Is Made Subject To Completion. Property Not Ready For Lease Per XXX Guideline. |  |  | XX/XX/XXXX:Received |  |
| 410211081 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Minimum Liquidity |  | $XXX Liquidity < XXX Minimum Required. Provide Additional Assets. |  | XX/XX/XXXX: Received Snap Shot Of Emr Which Stated Purchase Price As $XXXXXX And Deposit Of $XXXXXX; However Liquidity Is Now $XXXXXX < $XXXXXX Minimum Required. Please Provide Additional Assets | XX/XX/XXXX:Received |  |
| 410211081 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Insufficient Title Insurance Coverage |  | $XXX Title Insurance Coverage < $XXX Minimum Required. Provide Additional Title Coverage |  |  | XX/XX/XXXX:Received |  |
| 410211081 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Purchase | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Conveyance Deed |  | Missing Executed Warranty Deed. |  |  | XX/XX/XXXX:Received |  |
| 410211077 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance No Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | Missing Appraisal Review |  | Missing Third Party Appraisal Review |  |  | XX/XX/XXXX:Received |  |
| 410211077 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance No Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Payoff Statement |  | Missing Payoff Statement |  |  | XX/XX/XXXX:Received |  |
| 410211077 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance No Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | Missing Rent Range |  | Missing Third Party Rent Estimate For Vacant Property |  |  | XX/XX/XXXX:Received |  |
| 410211077 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance No Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Insufficient Hazard Insurance Coverage |  | $XXX Hazard Insurance Coverage < $XXX Minimum Required. Provide Additional Coverage |  |  | XX/XX/XXXX:Received |  |
| 410211077 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance No Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Insufficient Title Insurance Coverage |  | $XXX Title Insurance Coverage < $XXX Minimum Required. Provide Additional Title Coverage |  |  | XX/XX/XXXX:Received |  |
| 410211077 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance No Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Maximum Ltv |  | XXX% Ltv > XXX% Max Allowed. XXX Approval Required (XXX Dscr Requires - XXX% Ltv Adjustment) |  |  | XX/XX/XXXX:Received |  |
| 410241015 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Cleared | 1 | Missing Title Insurance Policy |  | Missing Evidence Of Title Insurance |  |  | XX/XX/XXXX:Received |  |
| 410241015 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | Missing Appraisal Review |  | Missing Third Party Appraisal Review |  |  | XX/XX/XXXX:Received |  |
| 410241015 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Property |  | Cleared | 1 | Age Of Background Report |  | XXX Days Age Of Background Check > XXX Days Max Allowed. Provide Updated Background Check. |  |  | XX/XX/XXXX:Received |  |
| 410241015 | xx |  |  | XXX | XXX | XXX | XX/XX/XXXX | $XXXXXX | Refinance Cash Out | Investment Property | ATR/QM: Exempt |  | XXX | Credit |  | Open | 2 | Insufficient Appraisal Variance |  | XXX% Variance > XXX% Max Allowed Per Tcp Underwriting Guidelines |  |  | XX/XX/XXXX: Exception approval |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Balance** | **Initial Compliance Grade S&P** | **Initial Compliance Grade Fitch** | **Initial Compliance Grade Moodys** | **Initial Compliance Grade KBRA** | **Initial Compliance Grade DBRS** | **Final Compliance Grade S&P** | **Final Compliance Grade Fitch** | **Final Compliance Grade Moodys** | **Final Compliance Grade KBRA** | **Final Compliance Grade DBRS** |
| XX |  | 435981366 | $XXXXXX D C | A | A | A | A | A D C | A | A | A | A | A |
| XX |  | 436043581 | $XXXXXX D C | C | C | C | C | C A D | A | A | A | A | A |
| XX |  | 436043585 | $XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| XX |  | 435981394 | $XXXXXX D C | A | A | A | A | A C D B | A | A | A | A | A B |
| XX |  | 435981398 | $XXXXXX D C | A | A | A | A | A D C B | A | A | A | A | A B |
| XX |  | 436056686 | $XXXXXX D C | A | A | A | A | A D C B | A | A | A | A | A B |
| XX |  | 435981408 | $XXXXXX D C | A | A | A | A | A D C | A | A | A | A | A |
| XX |  | 4461267918 | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XX |  | 4461280457 | $XXXXXX C | C | C | C | C | C D B | A | A | A | A | A B |
| XX |  | 4461280747 | $XXXXXX D C | A | A | A | A | A D C B | A | A | A | A | A B |
| XX |  | 4461281489 | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XX |  | 410401026 | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XX |  | 410091040 | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XX |  | 410091041 | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XX |  | 410091042 | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XX |  | TY193222 | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| XX |  | 410211077 | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XX |  | 410211081 | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XX |  | 410241015 | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Client Loan Number** | **Borrower Last Name** | **Loan Amount** | **State** | **Note Date** | **Occupancy** | **Loan Purpose** | **ATR/QM Status** | **Overall Grade** | **Credit Grade** | **Compliance Grade** | **Property Grade** | **Credit Exception** | **Credit Rebuttal** | **Compliance Exception** | **Compliance Rebuttal** | **Property Exception** | **Property Rebuttal** | **Covered High Cost Loan** | **Compensating Factors** |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | 1 | 1 | 1 | 1 | [1] Borrower Liabilities Verification Indicator is Partial - XX/XX/XXXX - Borrower liabilities verified indicator is Partial: Section XXX of the XXX Guidelines dated XX/XX/XXXX states "An Undisclosed Debt Monitoring report dated within XXX days of closing is required". Provide report.; | XX/XX/XXXX - Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided updated guidelines, undisclosed debt monitoring within XXX days of the note not required | [1] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; |  |  |  | No |  |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors | 1 | 1 | 1 | 1 | [1] Borrower Employment Verification does not meet guidelines - XX/XX/XXXX - Per Guidelines, Section XXX: Product Eligibility: The CPA letter did not state as required, the business/applicant are active and/or in good standing. The Secretary of State Annual Report Status (pg XXX) provided by lender shows the business is active, however not in good standing for failure to file annual report.; [1] Borrower Liabilities Verification Indicator is Partial - XX/XX/XXXX - Borrower liabilities verified indicator is Partial. <br> 1. Missing evidence of the subject property tax obligation used in qualification. <br> 2. A soft pull dated within XXX calendar days of funding or undisclosed monitoring through the funding date must be provided with the closed loan package. | XX/XX/XXXX - Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.; XX/XX/XXXX - Updated Guidelines provided.; XX/XX/XXXX - Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided documentation. | [1] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; XX/XX/XXXX - HPML. Acknowledged.; [1] ATR/QM Status is Pending - XX/XX/XXXX - ATR/QM Status is pending. Noted documentation is required per Appendix Q.; |  |  |  | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors | 1 | 1 | 1 | 1 | [1] Borrower Income Verification does not match Approval - XX/XX/XXXX - The borrower income verification does not match approval. File is missing Bank Statement for XX/XX/XXXX to XX/XX/XXXX for XXX account # ending in XXX .; [1] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | XX/XX/XXXX - Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided complete bank statement for account and dates requested. | [1] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; XX/XX/XXXX - HPML. Acknowledged.; XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; [1] Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Alert (XXX CFR XXX (c)(XXX)). - XX/XX/XXXX - Loan is a Higher-Priced Mortgage Loan and Borrower's Right to Receive Appraisal Disclosure was not provided.; XX/XX/XXXX - File shows appraisal received by borrower but is missing the initial "Right to Receive Appraisal" Disclosure.; [1] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Alert (XXX CFR XXX (c)(XXX)).' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided Appraisal/Valuation Acknowledgment. |  |  | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | CashOut Refinance | ATR/QM: Exempt | 2 | 2 | 1 | 1 | [1] Borrower Employment Verification does not meet guidelines - XX/XX/XXXX - Provide certificate of good standing from the applicable Secretary of State's office. XXX Division of Corporations search (page XXX) is not sufficient. ; [2] Housing history does not meet guidelines - XX/XX/XXXX - Section XXX of the XXX Guidelines dated XX/XX/XXXX state, "No housing history is acceptable if: The borrower lives in a marital home that is owned or leased by the spouse, the mortgage or rent on the martial home must be current as evidence by a minimum of a XXX-month rating." Borrower is living rent free with his daughter per letter of explanation. No mortgage history for residence of XXX XXX. No exception in file to allow non-marital home to meet housing history requirement.; XX/XX/XXXX - Borrower is living rent-free with daughter and there is no exception in file.; [1] Final Loan Application is Partial - XX/XX/XXXX - Final Loan Application is Partial; XX/XX/XXXX - Declarations section on page XXX of final loan application incomplete. ; | XX/XX/XXXX - Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided verification. | [1] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; XX/XX/XXXX - The exception 'No Compliance Findings' is cleared.; |  | [1] Is Completion Certificate in file is No - XX/XX/XXXX - Appraisal completed subject to repairs due to security bars on all bedroom windows. Provide Form XXX.; XX/XX/XXXX - The appraisal was completed "Subject To" however, the file is missing the Completion Certificate.; | XX/XX/XXXX - Lender provided Processor Certification with photos showing security bars removed.; XX/XX/XXXX - Change status of 'Is Completion Certificate in file is No' from Active to Open Rebuttal. | No | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors | 2 | 2 | 1 | 1 | [1] No Credit Findings - XX/XX/XXXX - The exception 'No Credit Findings' is cleared.; XX/XX/XXXX - The loan meets all applicable credit guidelines.; [2] Housing history does not meet guidelines - XX/XX/XXXX - Proof of rent pmts provided via bank stmts but no XXX, from professional management company, provided. Section XXX of Lender guides require fully completed and signed XXX if applicant rents from a professional management company. If borrower rents from a private landlord, the most recent XXX months consecutive cancelled checks (front and back) along with a copy of the lease must be provided.; [1] Final Loan Application is Partial - XX/XX/XXXX - Final Loan Application is Partial. \* Current/previous address info doesn't match LOE's + rent payments. XXX (pg XXX) states XXX years at current (XXX $XXX per month). See LOEs pgs XXX. Pg XXX states at XXX XX/XX/XXXX - XX/XX/XXXX. Pg XXX states at XXX XX/XX/XXXX - XX/XX/XXXX. Doesn't support XXX years at XXX per XXX.<br>Rent pmts provided for XXX months but none are for $XXX. Does support XXX months no lates. Pgs XXX / XXX-XXX. Who rent was paid to did change in XX/XX/XXXX so supports dates on LOEs. <br>Business name on final application appears to be incorrect. Please update.<br> Appears XXX needs correction.; [1] Borrower Income Verification does not match Approval - XX/XX/XXXX - Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided their Bank Statement Calculation Worksheet. Origination and Auditor calcs now supported/documented. Placed note in Auditor's BS Calcualtion Worksheet. ; XX/XX/XXXX - The borrower income verification does match approval. Exception resolved.; XX/XX/XXXX - The borrower income verification does not match approval: Missing Lender bank statement calculation worksheet.; [1] Asset Documents are Incomplete - XX/XX/XXXX - Asset Documents are Incomplete: Gift letter, pg XXX, and donor's bank account, pgs XXX, are in the loan file, for proof they have ability to donate. Missing evidence of receipt of gift funds by title company for funds to close.; | XX/XX/XXXX - Lender provided proof of wires, to settlement agent, to support both gifts. Assets/Reserves verified.; XX/XX/XXXX - Change status of 'Asset Documents are Incomplete' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided their Bank Statement Calculation Worksheet. Origination and Auditor calcs now supported/documented. Placed note in Auditor's BS Calcualtion Worksheet. ; XX/XX/XXXX - Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; XX/XX/XXXX - Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided updated XXXX. | [1] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - XXX. Acknowledged.; [1] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations. |  |  |  | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | 2 | 2 | 1 | 1 | [2] Borrower Liabilities Verification Indicator is Partial - XX/XX/XXXX - Borrower liabilities verified indicator is Partial. Per Guidelines, Section XXX First Time Home Buyers are not allowed under the XXX program.; |  | [1] No Compliance Findings - XX/XX/XXXX - The exception 'No Compliance Findings' is cleared.; XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; |  |  |  | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | 1 | 1 | 1 | 1 | [1] Underwriting FICO does not meet Guideline Minimum Required - XX/XX/XXXX - Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX. Guidelines dated XX/XX/XXXX require a XXX FICO for LTV of XXX% for an investment purchase. No exception found in the loan file.; [1] Final Loan Application is Partial - XX/XX/XXXX - Final Loan Application is Partial. The declaration section of the final XXX is not complete.; | XX/XX/XXXX - Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided updated guidelines dated XX/XX/XXXX which allow XXX FICO LTV XXX% purchase. | [1] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; |  |  |  | No | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | 3 | 3 | 1 | 1 | Lender Exception Approved for Reserves. The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX. Comp Factors: Years on Job, Years in Primary Home, Housing History XXX (no primary housing payment). | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.;<br> Exception for reserves being just under the XXX mo. guideline requirement. Compensating factors listed as the number of years in home, XXX housing history, and years on job. | The loan is in compliance with all applicable laws and regulations. |  | Property is located in a FEMA disaster area with no post disaster inspection. Hurricane XXX hit XXX on XX/XX/XXXX. Appraisal XXX Completion Cert was dated one day prior on XX/XX/XXXX.; XX/XX/XXXX - Disaster inspection provided.; Exception resolved. | Change status of 'Property located in FEMA Declared Disaster Area with no subsequent Property Inspection' from Active to Open Rebuttal.;<br> ..; XX/XX/XXXX - Disaster inspection provided. | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors | 4 | 3 | 1 | 1 | Cash to borrower exceeds maximum allowable. Guideline maximum amount to borrower is: $XXX. | Change status of 'Cash to Borrower Exceeds Maximum Allowable' from Active to Acknowledged by Client.;<br> Exception requested for cash out amount, LTV/Fico. Compensating factors listed are DTI, over XXX mo. reserves, and high discretionary income. | This loan failed the XXX closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields.; Exception resolved. ; Provide update disbursement date or XXX. Disbursement date on final CD is XX/XX/XXXX, however the consummation date was XX/XX/XXXX. |  | The SSR indicator is Missing; XX/XX/XXXX - Compliance Cert provided; Exception resolved. | Change status of 'XXX Summary Report is Missing' from Active to Open Rebuttal.;<br> ..; XX/XX/XXXX- Compliance Cert provided | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | CashOut Refinance | ATR/QM: Exempt | 3 | 3 | 1 | 1 | Housing history does not meet guidelines. The primary residence is in the name of the non-borrowing spouse.; Approved exception in file for no primary residence housing payment history(XXX mortgage is in non-borrowing spouse name). Compensating factors include LTV, XXX months reserves, and borrower has an investment property with XXX months satisfactory mortgage payment history. | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.;<br> Approved exception in file for no primary residence housing payment history(PR mortgage is in non-borrowing spouse name). Compensating factors include LTV, XXX months reserves, and borrower has an investment property with XXX months satisfactory mortgage payment history. | The loan is in compliance with all applicable laws and regulations. |  | Property and valuations related findings were not identified on the loan. |  | No | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | 4 | 4 | 1 | 1 | Final Loan Application is Partial. The final XXX is marked "I do not own any real estate" and does not correctly reflect the borrowers primary residence located at XXX. The borrowers primary residence should be disclosed on the REO even when DTI calculations do not apply per the DSCR program. | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.;<br> XX/XX/XX - Explanation received for properties missing from REO section of XXX. ; Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.;<br> Docs received XX/XX/XXXX; Change status of 'Final Loan Application is Partial' from Open Rebuttal to Active.;<br> Explanation, given in response, is insufficient to clear exception. Please provide documentation or guideline to support explanation. Otherwise please provide updated XXX with primary property listed in section XXX of application. | The loan is in compliance with all applicable laws and regulations. |  | Property and valuations related findings were not identified on the loan. |  | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | CashOut Refinance | ATR/QM: Exempt | 1 | 1 | N/A | 1 | [1] $XXX Title Insurance Coverage < $XXX Minimum Required. Provide Additional Coverage [1] Missing Payoff Statement [1] Missing Closing Protection Letter |  | [1] Compliance - not applicable |  | [1] Insufficient Appraisal Provided; Restricted Appraisal. Please Provide Appraisal Approved By XXX | [1] XX/XX/XXXX: Approved Appraiser | No |  |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | Refinance No Cash Out | ATR/QM: Exempt | 1 | 1 | N/A | 1 | [1] Missing Closing Protection Letter [1] Missing Evidence Of Title Report And Any Payoff Statements If Applicable [1] Missing Tax Certs For All Subject Properties. [1] Ltv Is XXX% > XXX% Max Allowed. XXX Approval Required | [1] XX/XX/XXXX: Received [1] XX/XX/XXXX: Received [1] XX/XX/XXXX: Received [1] XX/XX/XXXX: Upated Primary Guarantor To XXX (Credit Score XXX). Ltv Now Sufficient | [1] Compliance - not applicable |  | [1] Missing Third Party Appraisal Review For Subject Property, XXX, XXX, XXX & XXX. | [1] Received appraisal review | No |  |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | CashOut Refinance | ATR/QM: Exempt | 1 | 1 | N/A | 1 | [1] Missing Evidence Of Hazard Insurance For Subject Property, XXX. [1] Missing Tax Certificate- For All Subject Properties. [3] Missing Evidence Of Title Insurance [1] Missing Closing Protection Letter [1] Missing Payoff Statement(S) [1] XXX% Ltc >XXX% Max Allowed. XXX Approval Required | [1] XX/XX/XXXX: Received [1] XX/XX/XXXX:Received [1] XX/XX/XXXX: Received [1] XX/XX/XXXX: Received [1] XX/XX/XXXX: In Closing Package [1] XX/XX/XXXX: Upated Primary Guarantor To XXX (Credit Score XXX). Ltv Now Sufficient | [1] Compliance - not applicable |  | [1] Missing Third Party Appraisal Review For Subject Properties, XXX, XXX, XXX & XXX [2] XXX Appraisal Months >XXX Allowed. | [1] Received appraisal review | No |  |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | CashOut Refinance | ATR/QM: Exempt | 1 | 1 | N/A | 1 | [1] Lease In File For Subject Property XXX, Is Missing Landlord Signature. [1] XXX% LTC > XXX% Max Allowed. XXX Approval Required [1] Missing CPL. [1] Missing Evidence Of Title Insurance And Any Applicable Payoffs [1] Missing Tax Cert. For All Subject Properties. [1] $XXX Title Insurance Coverage < $XXX Minimum Required. Provide Additional Coverage | [1] XX/XX/XXXX: Rescinded. [1] XX/XX/XXXX: Upated Primary Guarantor To XXX (Credit Score XXX). LTV Now Sufficient [1] XX/XX/XXXX: Received [1] XX/XX/XXXX: Received [1] XX/XX/XXXX: Received [1] XX/XX/XXXX:Received | [1] Compliance - not applicable |  | [1] Missing Third Party Appraisal Review For Subject Properties, XXX, XXX, XXX, XXX & XXX. [2] XX/XX/XXXX: Still Require One More Appraisal Review For Waiver To Apply. Please Provide One Of The Missing Appraisal Reviews | [1] Received appraisal review | No |  |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | 2 | 2 | N/A | 2 | [1] XXX Days Age Of Credit Report > XXX Days Max Allowed. Provide Updated Credit Report. [1] Missing Condo Questionnaire [1] Missing Evidence Of Title Insurance [1] Missing Final Settlement Statement. [1] Provide Operating Agreement For XXX To Tie Asset To Borrower/Guarantor [1] Missing Lease Agreement Or Third Party Rent Estimate | [1] XX/XX/XXXX: Received; [1] XX/XX/XXXX: Received; [1] XX/XX/XXXX: Received; [1] XX/XX/XXXX: Received; [1] XX/XX/XXXX: Received; [1] XX/XX/XXXX:Received;[1] XX/XX/XXXX:Received | [1] Compliance - not applicable |  | [1] Subject Property XXX Sf < XXX Sf Minimum Required. XXX To Approve [1] Master Condo Policy Missing Subject Property Address And Lender/S Mortgagee Clause | [2] XX/XX/XXXX: Waiver Approval - Approved. [1] XX/XX/XXXX: Received | No | XXX Sf Is The Absolute Floor |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | 1 | 1 | N/A | 1 | [1] Missing Purchase Contract Addendum Extending Closing Date [1] $XXX Liquidity < $XXX Minimum Required. Provide Additional Assets. [1] $XXX Title Insurance Coverage < $XXX Minimum Required. Provide Additional Title Coverage [1] Missing Executed Warranty Deed. | [1] XX/XX/XXXX: Received; [1] XX/XX/XXXX: Received; [1]XX/XX/XXXX:Received; [1] XX/XX/XXXX: Received | [1] Compliance - not applicable |  | [1] Missing Third Party Appraisal Review [2] Missing Third Party Rent Estimate [3] Insufficient Appraisal. Appraisal In File Dated XX/XX/XXXX Shows Property Is Made Subject To Completion. Property Not Ready For Lease Per XXX Guideline. | [1] XX/XX/XXXX: Received [1] XX/XX/XXXX: Received [1] XX/XX/XXXX: Received | No |  |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | Refinance No Cash Out | ATR/QM: Exempt | 1 | 1 | N/A | 1 | [1] Missing Payoff Statement [1] $XXX Hazard Insurance Coverage < $XXX Minimum Required. Provide Additional Coverage [1] $XXX Title Insurance Coverage < $XXX Minimum Required. Provide Additional Title Coverage [1] XXX% Ltv > XXX% Max Allowed. XXX Approval Required (XXX Dscr Requires - XXX% Ltv Adjustment) | [1] XX/XX/XXXX: Received [1] XX/XX/XXXX: Received Rce For XXX [1] XX/XX/XXXX: Received [1] XX/XX/XXXX: Updated Qualifying Rent. Dscr Now XXX | [1] Compliance - not applicable |  | [1] Missing Third Party Appraisal Review [2] Missing Third Party Rent Estimate For Vacant Property | [1] XX/XX/XXXX: Received [1] XX/XX/XXXX: Received Lease Agreement | No |  |
| XX | XX | XXXXX | XXXXXX | XXX | XX/XX/XXXX | Investment Property | CashOut Refinance | ATR/QM: Exempt | 2 | 1 | N/A | 2 | [1] Missing Evidence Of Title Insurance [1] XXX Days Age Of Background Check > XXX Days Max Allowed. Provide Updated Background Check. | [1] XX/XX/XXXX: Received [1] XX/XX/XXXX: Received | [1] Compliance - not applicable |  | [1] Missing Third Party Appraisal Review [2] Appraisal Review Variance Of - XXX% Exceeds - XXX% Max Allowed. Appraised Value Of $XXX Vs Review Value Of $XXX | [1] XX/XX/XXXX: Received | No |  |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| XX |  | 436043581 | $XXXXXX | $XXXXXX | $XXXXXX | 90% | XX/XX/XXXX | $XXXXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XX |  | 436043585 | $XXXXXX | $XXXXXX | $XXXXXX | 90% | XX/XX/XXXX | $XXXXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XX |  | 435981366 | $XXXXXX | $XXXXXX | $XXXXXX | 80% | XX/XX/XXXX | $XXXXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XX |  | 435981398 | $XXXXXX | $XXXXXX | $XXXXXX | 75% | XX/XX/XXXX | $XXXXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| XX |  | 435981408 | $XXXXXX | $XXXXXX | $XXXXXX | 78.47% | XX/XX/XXXX | $XXXXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| XX |  | 436056686 | $XXXXXX | $XXXXXX | $XXXXXX | 84.48% | XX/XX/XXXX | $XXXXXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| XX |  | 435981394 | $XXXXXX | $XXXXXX | $XXXXXX | 65% | XX/XX/XXXX | $XXXXXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| XX |  | 4461267918 | $XXXXXX | $XXXXXX | $XXXXXX | 70% | XX/XX/XXXX | $XXXXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | -3.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | 4461280457 | $XXXXXX | $XXXXXX | $XXXXXX | 75% | XX/XX/XXXX | $XXXXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | 4461281489 | $XXXXXX | $XXXXXX | $XXXXXX | 55% | XX/XX/XXXX | $XXXXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | 4461280747 | $XXXXXX | $XXXXXX | $XXXXXX | 70% | XX/XX/XXXX | $XXXXXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | 410401026 | $XXXXXX | $XXXXXX |  | 60% | XX/XX/XXXX | $XXXXXX | OTHER |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | 410091040 | $XXXXXX | $XXXXXX |  | 80% | XX/XX/XXXX | $XXXXXX | 1004 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0.54% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | 410091041 | $XXXXXX | $XXXXXX |  | 75% | XX/XX/XXXX | $XXXXXX | 1004 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0.47% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | 410091042 | $XXXXXX | $XXXXXX |  | 75% | XX/XX/XXXX | $XXXXXX | 1004 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | -3.40% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | 410031001 | $XXXXXX | $XXXXXX |  | 78% | XX/XX/XXXX | $XXXXXX | 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | -8.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | 410211081 | $XXXXXX | $XXXXXX |  | 76% | XX/XX/XXXX | $XXXXXX | 1004 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | 410211077 | $XXXXXX | $XXXXXX |  | 73% | XX/XX/XXXX | $XXXXXX | 1004 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | 410241015 | $XXXXXX | $XXXXXX |  | 67% | XX/XX/XXXX | $XXXXXX | 1004 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | -11.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_001.jpg)

Executive Summary

PRPM 2023-NQM1

**(1) Type of Assets.**

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on residential mortgage loans originated by two sellers and acquired directly (or indirectly) by PRP-LB 2023-NQM1, LLC (the "Client"). The loan reviews were conducted from June 2020 through November 2022 by CRES.

**(2) Number of Assets.**

There were 34 assets in the loan population.

**(3) Review Process.**

The post-closing loan reviews were graded in accordance with the following NRSRO(s) Third Party Due- Diligence Criteria, in addition to the review grading of "Meets Guidelines" or "Does Not Meet Guidelines":

● The post-closing reviews included a re-underwrite of each borrowers' credit, an analysis of the property valuation, and regulatory compliance testing. Post-closing reviews are underwritten to the applicable lender's or client's underwriting guidelines and credit matrices. The review scope and methodology of these different review areas is discussed in subsequent sections of this document.

**(4) Sample size of the assets reviewed.**

The due diligence review was conducted on 100% of the loan population and consisted of 34 mortgage loans with an aggregate original principal balance of approximately $11,609,621. The mortgage loans were originated from February 7, 2020, to October 26, 2022, by two sellers.

**(5) Asset Review**

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;

**(5) Asset Review**

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

**Credit Review and Methodology**

**Credit Report**: Analyzed the Borrower's credit report/credit history, confirming that credit scores, liabilities and public records met guideline requirements. Liabilities gathered from the credit report were included in the re-calculation of the debt-to-income ratio as appropriate. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) credit report date, (ii) bankruptcy date, (iii) bankruptcy discharge date, (iv) bankruptcy chapter, (v) foreclosure date, (vi) short sell date, (vii) longest trade line (active), (viii) longest trade line balance (active), (ix) months reviewed, (x) number of trade lines, (xi) credit scores, (xii) revolving debts and (xiii) installments debts.

**Loan Application (1003):** Reviewed the Borrower's Loan Application including comparison of initial loan application against the final loan application, or other loan applications found in the file, to identify potential discrepancies. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) purpose, (ii) years in primary residence, (iii) number of mortgaged properties (as compared with the credit reports disclosed mortgages), (iv) application date, (v) borrower information (name, date of birth, social security number and number of family members), (vi) borrower's address, (vii) borrower(s)' employment information (including address, years at job, years in field), (vii) monthly income and (ix) citizenship.

**Loan Approval/Exception Form (if applicable):** Reviewed the Lender's approval and Client's exception approval documentation to confirm appropriate risk mitigating factors were present when granting exceptions.

**Sales Contract (if applicable):** Reviewed the sales contract to confirm buyer(s) and seller(s), sales price and property address matches other documents.

**Title:** Reviewed the title policy or commitment to identify possible judgments or other liens that may have existed at origination. In addition, proper vesting and parties (as disclosed on sales contract, note, and deed) were reflected accurately.

**Hazard and Flood Insurance:** Reviewed hazard and flood (if applicable) insurance to ensure policy met the minimum required amount of replacement coverage.

**Employment and Income (DTI Loans):** Reviewed borrower(s)' employment and income documentation used for qualification purposes and as applicable, Appendix Q or Ability to Repay, including recalculation of debt-to-income ratio (DTI) to confirm compliance with underwriting guidelines. Items reviewed included: (i) verbal or written verifications of employment, (ii) pay stubs, (iii) W-2's, (iv) federal tax returns, (v) bank statements, (vi) profit and loss statements, and (vii) IRS tax transcripts (when provided).

**Leases and Market Rents (DSCR Loans):** Reviewed lease agreements and third-party market rent documents to confirm compliance with Debt-Service-Coverage-Ratio requirements. Note, the documentation that can be used to establish market rents can vary from lender to lender. CRES reviews the market rent source, to ensure compliance with applicable guidelines. In some cases, lenders may not require proof of market rents, if a sourced payment history can be provided along with the lease agreement.

**Assets:** Reviewed (i) bank statements, (ii) verification-of-deposit (VOD) and (iii) stock or security account statements to ensure adequate assets were provided verifying down payment, closing costs and reserves required by the guidelines and as applicable Appendix Q or Ability to Repay.

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines, debt to income and debt service coverage ratio requirements.

Unless otherwise stated in the Lender's or Client's guidelines, Fannie Mae guidelines prevail.

**Property Valuation Review and Methodology**

CRES reviewed the Appraisal for completeness and conformance to industry standards, including requirements set forth in Title XI of FIRREA. The review included both data and description information provided by the appraiser. Review items included: (i) property address and borrower information matches the mortgage note and other critical origination documents, (ii) neighborhood characteristics and housing trends were acceptable and met applicable underwriting guidelines, (iii) site information for zoning compliance and possible adverse site notations reviewed for adverse conditions, FEMA Flood Zone designation matched the Flood Certification, (iv) property type and property description information met applicable underwriting guidelines, (v) comparable sales (sale dates, distance, gross and net adjustments, square footage, and value) met industry standards and were properly bracketed, (vi) comparable size, style, and location were similar to the subject address, (vii) condition of the property was average or better and notable repairs were addressed, (viii) appraisal was made on an "as is" basis or proper evidence of completion was obtained and clearly documented and addressed all "subject to" conditions noted, (ix) subject and comparable photos reviewed to ensure appraisal description information coincides with property pictures and that no visible adverse issues are present that the appraiser did not address, (x) appraisal was completed by a licensed appraiser and (xi) appraisal was completed within the required timing requirements, as disclosed in the applicable underwriting guidelines.

A Fannie Mae UCDP Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or an enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from a client approved AMC is required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from a client approved AMC is acceptable. The source of the Appraisal Review Product may not be the same AMC used for the appraisal. If the Collateral Underwriter Risk Score is greater than 2.5 an enhanced desk review product was also required. If the Appraisal Review Product value is more than 10% below the appraised value, a second field review or appraisal was required. In certain cases, correspondents may include an enhanced desk review product from a Client approved AMC. All ARR or CDA documentation provided by a client approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

The seller provided a Fannie Mae UCDP Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less, enhanced desk review from a notable AMC or two full appraisals on all 34 loans. All loans within the population were returned within a 10% variance from the original appraised value.

If material origination valuation discrepancies could not be resolved an exception was created and the applicable NRSROs valuation grade was recorded.

**Compliance Review Methodology (Consumer Loans)**

CRES reviews on 13 consumer loans included comprehensive audit of fees and disclosed federal, state, municipal requirements along with timing of delivery requirements for TRID related Loan Estimates (LE's) and the Initial Closing Disclosure (CD's). The reviews track delivery and receipt requirements for all LE's and CD's, tracks fee changes and changed circumstances affecting fees and provides a fee tolerance comparison across all LE's and CD's.

In addition to the TRID specific items, the loans were also subject to the following Pre-TRID and Post-TRID compliance testing.

*CRES utilizes a third party compliance company's software for certain compliance tests. The following Pre-TRID, TRID, Qualified Mortgage (QM), and High Costs related test were completed within the third party compliance software:*

Qualified Mortgage (12 CFR § 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Negative Amortization Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Interest Only Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Balloon Payment Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan Term test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) Points and Fees test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) The Qualified Mortgage DTI
Threshold test.

Federal High-Cost Mortgage (HOEPA - Amended) (12 CFR §1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) APR threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Points and fees threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Prepayment penalty threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Is Not a High-Costs Mortgage.

Federal Higher-Priced Mortgage Loan (2013 Provisions) (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Higher-Priced Mortgage Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Higher-priced mortgage loan required escrow account test.

Federal TILA (12 CFR §1026.15, 18, 22, 23 and 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) TILA finance charge test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) TILA APR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Dual Broker Compensation test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan originator credits test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) TILA Financing of Single Premium Credit Insurance test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) TILA Right of Rescission Test:

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial loan estimate delivery date test (from application).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial loan estimate delivery date test (prior to consummation).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Written list of service provider's disclosure date test.

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Revised loan estimate delivery date test (prior to consummation).

Revised Loan Estimate Timing & Changed Circumstances Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised loan estimate delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised
loan estimate lender credits test.

Initial Closing Disclosure Timing Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial closing disclosure delivery date test. (12 CFR §1026.19).

Initial Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Initial closing disclosure lender credits test.

Revised Closing Disclosure Timing Requirements (12 CFR §1026.19 and 22)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) APR Tolerance Test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised Closing Disclosure Waiting Period Required test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date test.

Revised Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date and date the rate was set test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Revised closing disclosure
lender credits test.

Integrated Disclosures Tolerance & Reimbursement Provisions (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Charges that cannot increase test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Lender credits that cannot decrease test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Charges that in total cannot increase more than 10% test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Charges that can have an unlimited
increase test.

Federal RESPA (12 CFR §§1024.8, 1024.20, 1026.33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Homeownership counseling organizations disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Good Faith Estimate disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) RESPA "Your Credit or Charge" (802) Disallowed Credit and Charge test.

In addition to the checks disclosed above, various state license-based consumer lending and licensing laws and regulations tests were also completed using the third-party compliance software.

This pool contains 21 loans that are classified as "business purpose". In such cases compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

*<u>General Ability to Repay</u>*

CRES reviews all loan transactions that are covered by the Ability to Repay rule as set forth in Regulation Z- Truth in Lending Act (TILA) to determine whether the lender considered and evaluated the eight underwriting factors. The eight factors reviewed are: (i) Current or reasonably expected income or assets (other than the value of the property that secures the loan) that the consumer will rely on to repay the loan, (ii) Current employment status (if you rely on employment income when assessing the consumer's ability to repay), (iii) Projected monthly mortgage payment for this loan (calculated using the introductory or fully-indexed rate, whichever is higher, and monthly, fully-amortizing payments that are substantially equal), (iv) Projected monthly payment on any simultaneous loans secured by the same property, (v) Monthly payments for property taxes and insurance that you require the consumer to buy, and certain other costs related to the property such as homeowners association fees or ground rent, (vi) Debts, alimony, and child-support obligations, (vii) Monthly debt-to-income ratio or residual income, calculated using the total of all of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

 

*<u>Qualified Mortgage</u>*

When applicable, CRES assessed the borrower(s)' QM classification and re-assigns a due diligence reviewed QM or Non-QM type for each loan. Loans are classified into one of the following five categories: (i) QM/Non-Higher Priced Mortgage Loan (safe harbor): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection, (ii) QM/High Priced Mortgage Loan (rebuttable presumption): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection, (iii) Non-QM Compliant: Loans that do not meet the QM definition but fully comply with the ATR rule, (iv) Non-QM/Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (v) Not Covered/Exempt: Loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. Classifications of QM and Non-QM are based on multiple factors including, but not limited to, requirements as set forth in Appendix Q to Part 1026.

*The table below contains the TRID eligible breakdown for the loan population:*

---

| | | |
|:---|:---|:---|
| | **Count** | **Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | 21 | 61.76% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | 0 | 0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | 13 | 38.24% |

---

**Document Review**

CRES reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

● Appraisal.

● Asset documentation.

● Business Purpose Certification (if applicable)

● Changed circumstance documentation.

● Credit report.

● FACTA disclosures.

● Final 1003.

● Final HUD-1/Closing Disclosure(s).

● Hazard and/or flood insurance policies.

● HUD from sale of previous residence.

● Homeownership counseling organizations disclosure.

● Income and employment documentation.

● Initial and final GFE's.

● Initial application (1003).

● Initial escrow disclosure.

● Initial TIL.

● Leases

● Loan Estimate(s).

● Market Rent supporting documentation

● Mortgage Insurance.

● Mortgage/Deed of Trust.

● Note.

● Notice of Special Flood Hazards.

● Sales contract.

● Tangible Net Benefit Disclosure.

● Title/Preliminary Title.

● Written List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(6)** **Tape Data Compare** 

CRES compared data fields on the data tape provided by the Client to the data points disclosed on the actual mortgage loan file documents, as captured by CRES. When data was available, the following data elements were compared:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;**Orig Balance** | &nbsp;&nbsp;**Purpose** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Orig Term** | &nbsp;&nbsp;**QM Type** |
| &nbsp;&nbsp;**Doc Level** | &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**P&I Payment** | |
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;**Note Date** | &nbsp;&nbsp;**Property City** | |
| &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Property State** | |
| &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Property Zip** | |

---

The aggregator provided CRES with loan level data regarding the mortgage loans for the data integrity check. The aggregator received the data directly from sellers through loan registrations in its system or via data tape.

Of the 34 mortgage loans reviewed, fourteen unique mortgage loans had at least one tape discrepancy across 20 data fields (some mortgage loans had more than one data discrepancy). The following table discloses the number of data discrepancies noted by field name. Note, data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;**Discrepancy: Yes** | **Total** |
| &nbsp;&nbsp;&nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;28 | &nbsp;&nbsp;6 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;CLTV | &nbsp;&nbsp;33 | &nbsp;&nbsp;1 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;Doc Level | &nbsp;&nbsp;32 | &nbsp;&nbsp;2 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;DTI | &nbsp;&nbsp;27 | &nbsp;&nbsp;7 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;FICO | &nbsp;&nbsp;31 | &nbsp;&nbsp;3 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;34 | &nbsp;&nbsp;0 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;34 | &nbsp;&nbsp;0 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;Lien Position | &nbsp;&nbsp;34 | &nbsp;&nbsp;0 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;LTV | &nbsp;&nbsp;33 | &nbsp;&nbsp;1 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;Note Date\* | &nbsp;&nbsp;34 | &nbsp;&nbsp;0 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;Note Type | &nbsp;&nbsp;34 | &nbsp;&nbsp;0 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;Occupancy | &nbsp;&nbsp;34 | &nbsp;&nbsp;0 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;Orig Term | &nbsp;&nbsp;34 | &nbsp;&nbsp;0 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;Original Balance | &nbsp;&nbsp;32 | &nbsp;&nbsp;2 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;34 | &nbsp;&nbsp;0 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;Property City | &nbsp;&nbsp;34 | &nbsp;&nbsp;0 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;Property State | &nbsp;&nbsp;34 | &nbsp;&nbsp;0 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;Property Zip | &nbsp;&nbsp;33 | &nbsp;&nbsp;1 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;Purpose | &nbsp;&nbsp;34 | &nbsp;&nbsp;0 | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;QM Type\* | &nbsp;&nbsp;34 | &nbsp;&nbsp;0 | 34 |

---

&nbsp;&nbsp;&nbsp;&nbsp;\*Note Date and QM Type/TILA: Tape data was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;DTI Variance Threshold Applied: 3%

DTI variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating incomes. Total Debt Ratio variances that were less than or equal to 3% of the tape value are not included in the data discrepancies reflected.

&nbsp;&nbsp;&nbsp;&nbsp;

**(7)** **Credit, Compliance and Property Valuation Results**

**Credit Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Credit grade of "B" or higher and 76.47% of the mortgage loans by number have a Credit grade of "A." Exceptions or waivers were documented and supported with compensating factors on eight grade "B" loans.

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 26 | 76.47% |
| B | 8 | 23.53% |
| C | 0 | 0.00% |
| **Total** | **34** | **100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 34 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| **Total** | **34** | **100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Valuation grade of "B" or higher and 97.06% of the mortgage loans by number have a Valuation grade of "A.".

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 33 | 97.06% |
| B | 1 | 2.94% |
| C | 0 | 0.00% |
| **Total** | **34** | **100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 76.47% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 26 | 76.47% |
| B | 8 | 23.53% |
| C | 0 | 0.00% |
| **Total** | **34** | **100.00%** |

---

&nbsp;&nbsp;&nbsp;&nbsp;

**(8) Pool Stratification Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;First | 34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | **34** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Note Type** | **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Arm** | 7 | &nbsp;&nbsp;20.59% |
| &nbsp;&nbsp;**Fixed** | 27 | &nbsp;&nbsp;79.41% |
| &nbsp;&nbsp;**Total** | **34** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | 12 | &nbsp;&nbsp;35.29% |
| &nbsp;&nbsp;**Non-Owner Occupied** | 21 | &nbsp;&nbsp;61.76% |
| &nbsp;&nbsp;**Second Home** | 1 | &nbsp;&nbsp;2.94% |
| &nbsp;&nbsp;**Total** | **34** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Purpose** | **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Purchase** | 26 | &nbsp;&nbsp;76.47% |
| &nbsp;&nbsp;**Refi - Cash Out** | 7 | &nbsp;&nbsp;20.59% |
| &nbsp;&nbsp;**Rate Term Refi** | 1 | &nbsp;&nbsp;2.94% |
| &nbsp;&nbsp;**Total** | **34** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | 17 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**PUD** | 9 | &nbsp;&nbsp;26.47% |
| &nbsp;&nbsp;**Condo** | 5 | &nbsp;&nbsp;14.71% |
| &nbsp;&nbsp;**2-4 Family** | 3 | &nbsp;&nbsp;8.82% |
| &nbsp;&nbsp;**Commercial** | 0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Townhome** | 0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Mixed Use** | 0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | **34** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Debt to Income** | **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0-10%** | 0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10%-20%** | 2 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;**20%-30%** | 1 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;**30%-40%** | 6 | &nbsp;&nbsp;46.15% |
| &nbsp;&nbsp;**40%-50%** | 4 | &nbsp;&nbsp;30.77% |
| &nbsp;&nbsp;**50%-60%** | 0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | **13** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Twenty-one loans qualified under a DSCR program.** | &nbsp;&nbsp;**Twenty-one loans qualified under a DSCR program.** | &nbsp;&nbsp;**Twenty-one loans qualified under a DSCR program.** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | **Count** | **Percentage** |
| &nbsp;&nbsp;**<0 or** | 0 | 0.00% |
| &nbsp;&nbsp;**0-0.19** | 0 | 0.00% |
| &nbsp;&nbsp;**0.2-0.39** | 0 | 0.00% |
| &nbsp;&nbsp;**0.4-0.59** | 0 | 0.00% |
| &nbsp;&nbsp;**0.6-0.79** | 2 | 9.52% |
| &nbsp;&nbsp;**0.8-.99** | 4 | 19.05% |
| &nbsp;&nbsp;**1-1.19** | 11 | 52.38% |
| &nbsp;&nbsp;**1.2-1.39** | 1 | 4.76% |
| &nbsp;&nbsp;**1.4-1.59** | 2 | 9.52% |
| &nbsp;&nbsp;**1.6-1.79** | 1 | 4.76% |
| &nbsp;&nbsp;**1.8-1.99** | 0 | 0.00% |
| &nbsp;&nbsp;**=>2** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **21** | **100.00%** |
| &nbsp;&nbsp;**Loan to Value** | **Count** | **Percentage** |
| &nbsp;&nbsp;**0%-10%** | 0 | 0.00% |
| &nbsp;&nbsp;**10%-20%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-30%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-40%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-50%** | 0 | 0.00% |
| &nbsp;&nbsp;**50%-60%** | 1 | 2.94% |
| &nbsp;&nbsp;**60%-70%** | 1 | 2.94% |
| &nbsp;&nbsp;**70%-80%** | 14 | 41.18% |
| &nbsp;&nbsp;**80%-90%** | 14 | 41.18% |
| &nbsp;&nbsp;**90%-100%** | 4 | 11.76% |
| &nbsp;&nbsp;**Total** | **34** | **100.00%** |
| &nbsp;&nbsp;**State** | **Count** | **Percentage** |
| **AZ** | 3 | 8.82% |
| **CA** | 4 | 11.76% |
| **FL** | 10 | 29.41% |
| **GA** | 4 | 11.76% |
| **IN** | 1 | 2.94% |
| **MD** | 2 | 5.88% |
| **NY** | 1 | 2.94% |
| **PA** | 1 | 2.94% |
| **SC** | 2 | 5.88% |
| **TX** | 5 | 14.71% |
| **WA** | 1 | 2.94% |
| &nbsp;&nbsp;**Total** | **34** | **100.00%** |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

Rating Agency Exceptions Report: 1/13/2023

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Information** | &nbsp;&nbsp;**Loan Information** | &nbsp;&nbsp;**Loan Information** | &nbsp;&nbsp;**Loan Information** | &nbsp;&nbsp;**Loan Information** | &nbsp;&nbsp;**Loan Information** | &nbsp;&nbsp;**Loan Information** | &nbsp;&nbsp;**Loan Information** | &nbsp;&nbsp;**Loan Information** | &nbsp;&nbsp;**Loan Information** | &nbsp;&nbsp;**Loan Information** | &nbsp;&nbsp;**Exception Information** | &nbsp;&nbsp;**Exception Information** | &nbsp;&nbsp;**Exception Information** | &nbsp;&nbsp;**Exception Information** | &nbsp;&nbsp;**Exception Information** | &nbsp;&nbsp;**Exception Information** | &nbsp;&nbsp;**Exception Information** | &nbsp;&nbsp;**Event Level** |
| &nbsp;&nbsp;**Loan Number** | &nbsp;&nbsp;**TPR Loan Number** | &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;**DSCR** | &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**Note Original Balance** | &nbsp;&nbsp;**Exception ID** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Description** | &nbsp;&nbsp;**Exception Note** | &nbsp;&nbsp;**Exception General Comment** | &nbsp;&nbsp;**Compensating Factors** | &nbsp;&nbsp;**Exception Status** | &nbsp;&nbsp;**Grade** |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Condo Attached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.19 | &nbsp;&nbsp;0 | &nbsp;&nbsp;70.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;158374 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Leasehold Agreement | &nbsp;&nbsp;According to the underwriting guidelines, on loans with LTV's 75% and below, leases and a XX report is required to determine the market rent. In this case, the lease agreement is not located in the loan file and therefore does not meet the guideline requirement.  | &nbsp;&nbsp;DSCR calculated using FMR. Purchase transaction and appraisal shows the subject as vacant. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Condo Attached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.19 | &nbsp;&nbsp;0 | &nbsp;&nbsp;70.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;158375 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Credit | &nbsp;&nbsp;All Business Purpose loans in XXXX must be made to a U.S. entity and not an individual.. | &nbsp;&nbsp;Updated matrix dated XXXX allows XXXX to close in individually.  |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.039 | &nbsp;&nbsp;0 | &nbsp;&nbsp;70.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;158689 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Credit | &nbsp;&nbsp;According to the underwriting guidelines, on loans with LTV's 75% and below, leases and a XX report is required to determine the market rent. In this case, the lease agreement document is not located in the loan file and therefore does not meet the guideline requirement.  | &nbsp;&nbsp;DSCR was calculated using FMR. | &nbsp;&nbsp;Reserves - The borrower has approximately 23 months reserves. | &nbsp;&nbsp;Client Accepted &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.596 | &nbsp;&nbsp;0 | &nbsp;&nbsp;70.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;158411 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Income | &nbsp;&nbsp;According to the underwriting guidelines, on loans with LTV's 75% and below, leases and a XX report is required to determine the market rent. In this case, a lease is not located in the loan file and therefore does not meet the guideline requirement | &nbsp;&nbsp;DSCR was calculated using FMR. Purchase transaction. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Refi - Cash Out | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Condo Attached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.062 | &nbsp;&nbsp;706 | &nbsp;&nbsp;70.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;163525 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Credit | &nbsp;&nbsp;The Debt Service Calculation Worksheet is missing from the loan file.  | &nbsp;&nbsp;6/22/2020: Seller provided DSCR worksheet to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Refi - Cash Out | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Condo Attached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.062 | &nbsp;&nbsp;706 | &nbsp;&nbsp;70.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;163528 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Credit - Inquiries | &nbsp;&nbsp;According to the underwriting guidelines, a minimum square feet of XXXX is required for condos. In this case, the subject is a condo with a square footage of XXXX which does not meet the guideline requirement.  | &nbsp;&nbsp;6/22/2020: On XXXX the seller granted an exception for the square footage. | &nbsp;&nbsp;Reserves - 7.86 months of reserves., Years On Job - Both borrowers 4+ years on job | &nbsp;&nbsp;Client Accepted &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Refi - Cash Out | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Condo Attached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.062 | &nbsp;&nbsp;706 | &nbsp;&nbsp;70.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;163538 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;AUS/Loan Approval | &nbsp;&nbsp;According to the underwriting matrix, the minimum rate for a loan amount between XXXX - XXXX is 6.99%. In this case, the loan has a rate of 6.625% which does not meet the minimum required rate. | &nbsp;&nbsp;6/22/2020: On XXXX the seller granted an exception for the rate. | &nbsp;&nbsp;Reserves - 7.86 months of reserves., Years On Job - Both borrowers 4+ years on job | &nbsp;&nbsp;Client Accepted &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Condo Attached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.057 | &nbsp;&nbsp;0 | &nbsp;&nbsp;70.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;156002 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Rental Income | &nbsp;&nbsp;According to the underwriting guidelines, on loans with LTV's 75% and below, leases and a XX report is required to determine the market rent. In this case, the lease agreement is not located in the loan file and therefore does not meet the guideline requirement.  | &nbsp;&nbsp;The DSCR was calculated using FMR. | &nbsp;&nbsp;Years In Residence - The borrower has resided in the current residence for 30 years, Years On Job - The borrower has been self-employed for 10.95 years. | &nbsp;&nbsp;Client Accepted &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;SC | &nbsp;&nbsp;Refi - Cash Out | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.22 | &nbsp;&nbsp;722 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;234342 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Program Eligibilty | &nbsp;&nbsp;According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. XX, XX, etc.). In this case, the documentation is not included in the loan file. | &nbsp;&nbsp;03/30/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;CA | &nbsp;&nbsp;Rate Term Refi | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Three-Unit Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.72 | &nbsp;&nbsp;757 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;233012 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;Documentation verifying the hazard insurance premium is not in the file. Evidence of Insurance in file does not reflect the premium. | &nbsp;&nbsp;03/16/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;CA | &nbsp;&nbsp;Rate Term Refi | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Three-Unit Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.72 | &nbsp;&nbsp;757 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;233121 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Credit | &nbsp;&nbsp;The audit calculated DSCR of .72 is less than the minimum required of .75. | &nbsp;&nbsp;3/16/22: XXXX (rent) + XXXX (market rent) + XXXX = $XXXX / XXXX = .72 3/21/22: Per XXXX, "We agree that you'd calculate the lower of market rent or lease for each individual unit before calculating total DSCR". Please provide an exception. 3/29/22: Per XXXX, We have decided we are OK with the sub 0.75 DSCR. This exception can be cleared. | &nbsp;&nbsp;Credit Score - The borrowers Fico of 757 is 57 points greater than the minimum required Fico of 700. | &nbsp;&nbsp;Cleared Waiver &nbsp;&nbsp;B &nbsp;&nbsp;B(w) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Two-Unit Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.571 | &nbsp;&nbsp;779 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;233984 | &nbsp;&nbsp;Property | &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;The appraisal and market rent schedule were not included in the loan file. Unable to calculate DSCR. | &nbsp;&nbsp;3/24/22: Appraisal provided reflects a different borrower. 03/25/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Two-Unit Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.571 | &nbsp;&nbsp;779 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;233985 | &nbsp;&nbsp;Property | &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;A third party review appraisal from an acceptable source was not included in the loan file. | &nbsp;&nbsp;03/24/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;20.9 |  | &nbsp;&nbsp;764 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;235123 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Credit | &nbsp;&nbsp;A third party fraud detection report is not in the loan file. | &nbsp;&nbsp;04/06/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;PUD | &nbsp;&nbsp;49 |  | &nbsp;&nbsp;709 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;243289 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Program Eligibilty | &nbsp;&nbsp;According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. XX, XX, etc.). In this case, the documentation is not included in the loan file. | &nbsp;&nbsp;07/06/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;PUD | &nbsp;&nbsp;49 |  | &nbsp;&nbsp;709 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;243537 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Income | &nbsp;&nbsp;According to the guidelines, the CPA/EA preparing the P&L must have filed the borrower's most recent business tax returns. The letter from the CPA does not indicate that he filed the borrower's most recent business tax returns, only that he "provided tax services for the year XXXX". | &nbsp;&nbsp;7/14/22: Letter in file is insufficient. Need a letter from CPA/EA stating that they filed the borrower's most recent business tax returns. 7/29/22: Need CPA letter stating business tax returns were filed on behalf of the borrower.<br> 8/15/22: Need this CPA's letter to state that they filed the borrower's most recent business tax returns. <br> 08/18/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;CA | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;30.5 |  | &nbsp;&nbsp;692 | &nbsp;&nbsp;89.90% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;245827 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Funds to Close | &nbsp;&nbsp;Per guidelines, the use of business funds to meet down payment and/or reserve requirement requires an access letter from partners allowing the use of the business funds by the borrower. In this case, an access letter from XXXX, who is 50% owner of the business, is missing from the loan file. | &nbsp;&nbsp;08/13/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;38.8 |  | &nbsp;&nbsp;783 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;247350 | &nbsp;&nbsp;Property | &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;Please provide a desk review or other third-party valuation product to support the appraised property value of XXXX from one of the following approved vendors: XX, XX, XX, XX. | &nbsp;&nbsp;09/8/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;38.8 |  | &nbsp;&nbsp;783 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;247576 | &nbsp;&nbsp;Property | &nbsp;&nbsp;Appraisal - Reconciliation/Adjustments | &nbsp;&nbsp;Provide an LOE from the appraiser regarding the location, busy road, and commercial influence and why no value adjustment. | &nbsp;&nbsp;9/13/22: Per XXXX, home is located XXXX next to a XXXX lane road with commercial influence. We believe this requires an adjustment.<br> 9/26/2022: XXXX approves based on appraiser's comments. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;38.8 |  | &nbsp;&nbsp;783 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;247586 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Employment | &nbsp;&nbsp;Provide an LOE from the borrower explaining the frequent job changes. | &nbsp;&nbsp;9/8/22: Per XXXX, please provide the LOE. 09/12/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;38.8 |  | &nbsp;&nbsp;783 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;247588 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Funds to Close | &nbsp;&nbsp;XXXX in borrowed funds from XX loan were used towards funds to close and reserves. Without, the borrowed funds, borrower did not have sufficient assets to cover funds to close and reserves. | &nbsp;&nbsp;09/12/22: An exception approval was provided for the guideline deviation. | &nbsp;&nbsp;Credit Score - Guideline CS 680 Qualifying CS 783, Months Of Reserves - 10.42 months of reserves | &nbsp;&nbsp;Client Accepted &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;CA | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;PUD | &nbsp;&nbsp;16.1 |  | &nbsp;&nbsp;700 | &nbsp;&nbsp;85.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;247835 | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Other | &nbsp;&nbsp;Initial CD (XXXX), Revised CD (XXXX) and Post CD (XXXX) are missing from the loan file per the Tracking Disclosure. | &nbsp;&nbsp;9/14/22: Provide proof of receipt for the XXXX CD as the baseline for the COC was not reset.<br> 10/11/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;PA | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;PUD | &nbsp;&nbsp;38.4 |  | &nbsp;&nbsp;768 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;247421 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Final 1003 | &nbsp;&nbsp;Please update the final executed 1003 to include the Borrower's monthly rental payment amount. Payment Shock calculation pending. | &nbsp;&nbsp;9/14/22: Per XXXX, this is not required due to XXXX program. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;38.5 |  | &nbsp;&nbsp;716 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;247433 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Income - Self Employment | &nbsp;&nbsp;Please provide a business narrative which includes details related to the size/scope and operating profile of the business to include the following: Description of Business/Business Profile, Locations, Number of Employees/Contractors, Description of Goods/Materials, Materials/Trucks/Equipment, Commercial or Retail client base. | &nbsp;&nbsp;09/8/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;38.5 |  | &nbsp;&nbsp;716 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;247434 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Program Eligibilty | &nbsp;&nbsp;The borrowers' payment shock of 616% exceeds the guideline maximum of 300% for a first time home buyer. | &nbsp;&nbsp;09/06/2022: An exception was provided allowing the payment shock. | &nbsp;&nbsp;Credit Score - Guideline CS 620 Qualifying CS 716, Months Of Reserves - 64.55 Months of Reserves | &nbsp;&nbsp;Client Accepted &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;38.5 |  | &nbsp;&nbsp;716 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;247435 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;VOM | &nbsp;&nbsp;The Verification of Rent (VOR) for the Borrowers' current primary residence is from a XXXX landlord. The guidelines require 12 months proof of payment via cancelled checks, bank debits or institutional VOR. Please provide 12 months proof of payment with cancelled checks or bank debits. | &nbsp;&nbsp;09/06/2022: An exception was provided allowing the VOR from a private property with no payment history as the payments were made in cash. | &nbsp;&nbsp;Credit Score - Guideline CS 620 Qualifying CS 716, Months Of Reserves - 64.55 Months of Reserves | &nbsp;&nbsp;Client Accepted &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.041 | &nbsp;&nbsp;799 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;248925 | &nbsp;&nbsp;Property | &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;A desk review or other third-party valuation product from an approved XXXX vendor for the subject property is missing from the loan file. | &nbsp;&nbsp;10/4/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;49.9 |  | &nbsp;&nbsp;686 | &nbsp;&nbsp;85.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;249735 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Income | &nbsp;&nbsp;Verification of the tax professionals license is missing from the loan file which is required when using a third party expense factor. | &nbsp;&nbsp;10/25/2022: Document provided was not for the tax professional who prepared the expense factor letter. XXXX is the tax preparer and the document provided was verification of XXXX. <br> 10/27/2022: IRS lookup provided. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;NY | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Two-Unit Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.113 | &nbsp;&nbsp;689 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;249345 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;HUD-1 | &nbsp;&nbsp;The executed final settlement statement for the subject loan is missing from the loan file. Additional exceptions may apply upon review | &nbsp;&nbsp;10/13/2022: Document provided was the final escrow statement, not the final settlement statement. <br> 10/18/2022: Document provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;NY | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Two-Unit Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.113 | &nbsp;&nbsp;689 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;249559 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Funds to Close | &nbsp;&nbsp;According to the underwriting guidelines, a minimum 6 months of reserves are required for the underwriting program. In this case, the file only contained 5.85 months of reserves. | &nbsp;&nbsp;10/24/2022: XXXX ok to waive the reserve requirement. | &nbsp;&nbsp;Credit Score - The borrower has a 689 credit score which is 49 points above the required 640., Credit History - The borrower has had no late payments in the last 4 years. | &nbsp;&nbsp;Client Accepted &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;Condo Attached | &nbsp;&nbsp;40.4 |  | &nbsp;&nbsp;717 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;248664 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Income - Self Employment | &nbsp;&nbsp;Unable to determine income. Loan was underwritten to the 12 month bank statement program. The loan file included 3 months of bank statements confirming deposits from XXXX - XXXX with XXXX #XXXX. Bank statement for XXXX- XXXX are missing from the loan file. Additional exceptions may apply upon review. | &nbsp;&nbsp;10/3/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;Condo Attached | &nbsp;&nbsp;40.4 |  | &nbsp;&nbsp;717 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;248722 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;VOM | &nbsp;&nbsp;Borrowers living rent free with immediate family members are allowed. Exception required for borrower living rent free with non-family member. | &nbsp;&nbsp;Exception for living rent free with non-family member requested XXXX approved by XXXX XXXX and in file. | &nbsp;&nbsp;Credit Score - The borrowers Fico of 717 is 57 points greater than the minimum required Fico of 660., Months Of Reserves - 19 months of reserves | &nbsp;&nbsp;Client Accepted &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;Condo Attached | &nbsp;&nbsp;40.4 |  | &nbsp;&nbsp;717 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;249288 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Employment | &nbsp;&nbsp;According to the guidelines, an internet search of the business is required to support the business narrative. An internet search of the business is missing from the loan file. | &nbsp;&nbsp;09/30/2022: The internet search provided is for the tax preparer and not the borrower's business.<br> 10/13/22: Need internet search for the borrower's business. 10/18/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;SC | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;PUD | &nbsp;&nbsp;39.5 |  | &nbsp;&nbsp;680 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;249211 | &nbsp;&nbsp;Property | &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;Property is located in disaster area. Provide a third party exterior property inspection for the subject property. Additional exceptions may apply upon review | &nbsp;&nbsp;County not located in a designated disaster area. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;IN | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.065 | &nbsp;&nbsp;783 | &nbsp;&nbsp;79.82% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;249957 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1008 | &nbsp;&nbsp;Form 1008 document is not included in the loan file for a manually underwritten loan. | &nbsp;&nbsp;10/28/2022: Document provided to clear condition. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;IN | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.065 | &nbsp;&nbsp;783 | &nbsp;&nbsp;79.82% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;249958 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Program Eligibilty | &nbsp;&nbsp;According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. XX, XX, etc.). In this case, the documentation is not included in the loan file. | &nbsp;&nbsp;10/28/2022: Document provided to clear condition. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;IN | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.065 | &nbsp;&nbsp;783 | &nbsp;&nbsp;79.82% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;249959 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Note | &nbsp;&nbsp;According to the underwriting guidelines, either a flat 5% prepayment penalty or a tiered prepayment penalty with a declining percentage structure in allowed. In this case, the subject note have a prepayment penalty of 6 month interest on the amount of the prepayment exceeding 20% of the original principal balance in any given 12 month period during the first 60 months. | &nbsp;&nbsp;6 month interest PPP waived by XXXX universally until further notice | &nbsp;&nbsp;Months Of Reserves - The borrower has 9.80 months of reserves., Credit Score - The borrower has a 783 credit score which is 143 points above the required 640. | &nbsp;&nbsp;Client Accepted &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;IN | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.065 | &nbsp;&nbsp;783 | &nbsp;&nbsp;79.82% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;249960 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;The property insurance policy in the file is missing the policy number. | &nbsp;&nbsp;10/28/2022: Document provided to clear condition. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;IN | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.065 | &nbsp;&nbsp;783 | &nbsp;&nbsp;79.82% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;249962 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Funds to Close | &nbsp;&nbsp; According to the guidelines, large deposits greater than 10% of the purchase price are required to be sourced. <br> Documentation sourcing the XXXX deposit on XXXX in XXXX account #XXXX is missing from the file. | &nbsp;&nbsp;11.2 Docs provided do not show the HELOC as the source of funds. Please provide the HELOC statement showing available funds and withdrawal of funds. 11/01/2022 Documentation shows the deposit of funds but no documentation has been provided to show the source of the deposit. 10/28/2022: Document provide shows the deposit of funds into the account however the source of these funds are still missing. Unable to determine if these funds were a gift or not. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;IN | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.065 | &nbsp;&nbsp;783 | &nbsp;&nbsp;79.82% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;249963 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Funds to Close | &nbsp;&nbsp;The underwriting guidelines, require 2 months bank statements for purchase transaction. In this case, the file included one monthly statement forXXXX dated XXXX. Provide an additional monthly statement for XXXX. | &nbsp;&nbsp;10/28/2022: Document provided to clear condition. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;PUD | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.021 | &nbsp;&nbsp;758 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;249842 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Program Eligibilty | &nbsp;&nbsp;According to the underwriting guidelines dated XXXX (rate locked XXXX), the maximum number of financed properties allowed is XXXX. The borrower has XXXX financed properties (includes the subject) of which XXXX are reflected on the final 1003 and credit report with the other mortgages being reflected on the supplemental report. An exception for exceeding the number financed properties is missing from the loan file. | &nbsp;&nbsp;10/28/2022: XXXX waiving the requirement as the loan was locked 3 days prior to the new guidelines. | &nbsp;&nbsp;Credit Score - The borrower has a 758 credit score which is 58 points above the required 700., Months Of Reserves - The borrower has 266.51 months of reserves. | &nbsp;&nbsp;Client Accepted &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;PUD | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.021 | &nbsp;&nbsp;758 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;249843 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Credit | &nbsp;&nbsp;The credit report reflects an additional social security number of XXXX for the borrower. The file did not include a letter of explanation for the additional number. | &nbsp;&nbsp;11/3/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;PUD | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.021 | &nbsp;&nbsp;758 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;249845 | &nbsp;&nbsp;Property | &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;The completion report in the file indicates the subject is complete with the exception of the middle section of the driveway which the appraiser indicates needs repair. | &nbsp;&nbsp;11/3/2022: The appraisal update report reflects that the subject is complete with the exception of the concrete driveway. Provide an updated Appraisal Completion Report verifying the driveway is complete.<br> 11/3/22: Per XXXX, ok to clear. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;761 | &nbsp;&nbsp;79.14% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;248892 | &nbsp;&nbsp;Property | &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;Property is located in disaster area. Provide a third party exterior property inspection for the subject property. Additional exceptions may apply upon review. |  |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;761 | &nbsp;&nbsp;79.14% | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;248893 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;Proof that sufficient hazard insurance equal to 100% of the insurable value of the improvements, as established by the property insurer was missing from the loan file. The loan amount is XXXX, but the dwelling coverage is XXXX. | &nbsp;&nbsp;10/6/22: Documentation provided to cure. |  | &nbsp;&nbsp;Cleared Exception &nbsp;&nbsp;A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;MD | &nbsp;&nbsp;Refi - Cash Out | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Attached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.789 | &nbsp;&nbsp;693 | &nbsp;&nbsp;57.14% | &nbsp;&nbsp;XXXXXXXXX |  |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.853 | &nbsp;&nbsp;788 | &nbsp;&nbsp;70.00% | &nbsp;&nbsp;XXXXXXXXX |  |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;AZ | &nbsp;&nbsp;Refi - Cash Out | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;PUD | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.958 | &nbsp;&nbsp;745 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;XXXXXXXXX |  |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;AZ | &nbsp;&nbsp;Refi - Cash Out | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;PUD | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.926 | &nbsp;&nbsp;745 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;XXXXXXXXX |  |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;WA | &nbsp;&nbsp;Refi - Cash Out | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.751 | &nbsp;&nbsp;812 | &nbsp;&nbsp;72.58% | &nbsp;&nbsp;XXXXXXXXX |  |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;AZ | &nbsp;&nbsp;Refi - Cash Out | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Condo Attached | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.965 | &nbsp;&nbsp;692 | &nbsp;&nbsp;65.00% | &nbsp;&nbsp;XXXXXXXXX |  |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.111 | &nbsp;&nbsp;676 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX |  |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;PUD | &nbsp;&nbsp;13 |  | &nbsp;&nbsp;667 | &nbsp;&nbsp;85.00% | &nbsp;&nbsp;XXXXXXXXX |  |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;PUD | &nbsp;&nbsp;43.1 |  | &nbsp;&nbsp;780 | &nbsp;&nbsp;85.00% | &nbsp;&nbsp;XXXXXXXXX |  |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;MD | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Non-Owner Occupied | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.134 | &nbsp;&nbsp;662 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX |  |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;CA | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;33.1 |  | &nbsp;&nbsp;681 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;XXXXXXXXX |  |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

Rating Agency Grades: 1/13/2023

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| **Loan Information** | **Loan Information** | **Loan Information** | **Initial Credit Grades** | **Initial Credit Grades** | **Initial Credit Grades** | **Initial Credit Grades** | **Initial Credit Grades** | **Initial Compliance Grades** | **Initial Compliance Grades** | **Initial Compliance Grades** | **Initial Compliance Grades** | **Initial Compliance Grades** | **Initial Property Grades** | **Initial Property Grades** | **Initial Property Grades** | **Initial Property Grades** | **Initial Property Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Final Credit Grades** | **Final Credit Grades** | **Final Credit Grades** | **Final Credit Grades** | **Final Credit Grades** | **Final Compliance Grades** | **Final Compliance Grades** | **Final Compliance Grades** | **Final Compliance Grades** | **Final Compliance Grades** | **Final Property Grades** | **Final Property Grades** | **Final Property Grades** | **Final Property Grades** | **Final Property Grades** | **Final Overall Grades** | **Final Overall Grades** | **Final Overall Grades** | **Final Overall Grades** | **Final Overall Grades** |
| **Loan Number** | **TPR Loan Number** | **Note Original Balance** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** |
| XX | XXXXXXXXX | XXXXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | CC | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | XXXXXXXXX | XXXXXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| XX | XXXXXXXXX | XXXXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | XXXXXXXXX | XXXXXXXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | XXXXXXXXX | XXXXXXXXX | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | XXXXXXXXX | XXXXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | XXXXXXXXX | XXXXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | XXXXXXXXX | XXXXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | XXXXXXXXX | XXXXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

**ValuationReport**

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|  | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **TPR Loan ID** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **CU Date** |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 57.14% | Appraised Value |  | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 4 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 75.00% | Appraised Value |  | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 75.00% | Appraised Value |  | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 75.00% | Appraised Value |  | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 5 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 75.00% | Appraised Value |  | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 72.58% | Appraised Value |  | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 65.00% | Appraised Value |  | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.2 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 90.00% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 70.00% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 70.00% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 70.00% | Appraised Value |  | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.4 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 89.90% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.9 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 90.00% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 4.1 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 85.00% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.6 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 4.3 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.7 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 85.00% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 999 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 85.00% | Appraised Value | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 90.00% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ServiceLink | XX/XX/XXXX |  |  |  |  |  | 999 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 79.82% | Appraised Value | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.7 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 85.00% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | (600.00) | -0.23% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.5 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 79.14% | Appraised Value | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.2 Fannie Mae | XX/XX/XXXX |
| XX | XXXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.7 Fannie Mae | XX/XX/XXXX |

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## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS.

Executive Summary

PRPM 2023-NQM1

Dated: January 25, 2023

**6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034 <br> P: 888.892.1843 \| evolvemortgageservices.com**

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**EXECUTIVE SUMMARY**

**Overview**

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by PRP-LB 2023-NQM1 V, LLC, and together with its affiliates (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review.

**Sample size of the assets reviewed.**

The final population of the Review covered 178 Loans, including 16 Residential and 162 Business Purpose Commercial Loans, totaling an aggregate original principal balance of approximately $48,865,744. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for S& P Global Ratings ("S&P") and DBRS, Inc. ("DBRS Morningstar"), the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

**Quality or integrity of information or data about the assets: review and methodology.**

Evolve compared data provided by the Client to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

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| Amortization Type | Maturity Date | Property City |
| Appraised Value | Note Date | Property State |
| Doc Type | Occupancy | Property Street Address |
| DSCR | Original CLTV | Property Type |
| First Payment Date | Original Interest Rate | Property Zip |
| Index Type | Original Loan Amount | QM Status |
| Interest Only | Original LTV | Qualifying Credit Score |
| Lien Position | Original P&I | Qualifying DTI |
| Loan Purpose | Original Term | Sales Price |
| Margin | Prepayment Penalty | Self-Employment Flag |

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Additional information about the data integrity review is included below.

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**Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Evolve reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Evolve. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

**Credit Application:** For the Credit Application, Evolve verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** Evolve's review included confirming that a credit report that met guideline requirements was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, Evolve: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** Evolve determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) bank statements.

**Asset Review:** Evolve assessed whether the asset documentation required by the guidelines and, as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, Evolve completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

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**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Evolve. During the course of this review, Evolve (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**DU/LP Review:** When provided and appropriate, Evolve verified that DU findings included an approved/eligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

**Occupancy Review:** Evolve confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, Evolve confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** Evolve reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, Evolve conditioned the mortgage loan for the missing fraud report product.

If a report was present, Evolve reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, Evolve confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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**Title Review:** Evolve's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** Evolve also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

Additionally, Evolve verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)") and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines.

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Industry Group ("SFIG") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

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**Value of collateral securing the assets: review and methodology.**

Evolve's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Evolve's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, Evolve's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Evolve's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to Evolve or if it was not directly accessible that another valuation product that was directly accessible to Evolve was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, Evolve confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Evolve created an exception.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The NRSROs criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in the Form ABS Due Diligence-15E.

**Compliance Results Summary**

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| | **S&P** | **S&P** | **DBRS MORNINGSTAR** | **DBRS MORNINGSTAR** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 28 | 15.73% | 28 | 15.73% |
| &nbsp;&nbsp;B | 1 | 0.56% | 1 | 0.56% |
| &nbsp;&nbsp;C | - | 0.00% | - | 0.00% |
| &nbsp;&nbsp;D | - | 0.00% | - | 0.00% |
| &nbsp;&nbsp;N/A | 149 | 83.71% | 149 | 83.71% |
| &nbsp;&nbsp;**Total** | **178** | **100.00%** | **178** | **100.00%** |

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**Credit Results Summary**

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| | **S&P** | **S&P** | **DBRS MORNINGSTAR** | **DBRS MORNINGSTAR** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 127 | 71.35% | 127 | 71.35% |
| &nbsp;&nbsp;B | 51 | 28.65% | 51 | 28.65% |
| &nbsp;&nbsp;**Total** | **178** | **100.00%** | **178** | **100.00%** |

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**Property Valuation Results Summary**

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| | **S&P** | **S&P** | **DBRS MORNINGSTAR** | **DBRS MORNINGSTAR** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 167 | 93.82% | 167 | 93.82% |
| &nbsp;&nbsp;B | 11 | 6.18% | 11 | 6.18% |
| &nbsp;&nbsp;**Total** | **178** | **100.00%** | **178** | **100.00%** |

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**Overall Results Summary**

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| | **S&P** | **S&P** | **DBRS MORNINGSTAR** | **DBRS MORNINGSTAR** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 120 | 67.42% | 120 | 67.42% |
| &nbsp;&nbsp;B | 58 | 32.02% | 58 | 32.02% |
| &nbsp;&nbsp;**Total** | **178** | **100.00%** | **178** | **100.00%** |

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**Data Results Summary**

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| &nbsp;&nbsp;**Field Label** | **# Loans with<br> Discrepancy** | **Total Time<br> Compared** | **% Variance** |
| &nbsp;&nbsp;Appraisal Date | 4 | 178 | 2.25% |
| &nbsp;&nbsp;Appraisal Date |  |  |  |
| &nbsp;&nbsp;Appraised Value | 1 | 178 | 0.56% |
| &nbsp;&nbsp;Appraised Value |  |  |  |
| &nbsp;&nbsp;Doc Type | 18 | 178 | 10.11% |
| &nbsp;&nbsp;Doc Type |  |  |  |
| &nbsp;&nbsp;DSCR | 67 | 178 | 37.64% |
| &nbsp;&nbsp;DSCR |  |  |  |
| &nbsp;&nbsp;Index Type | 4 | 178 | 2.25% |
| &nbsp;&nbsp;Index Type |  |  |  |
| &nbsp;&nbsp;Interest Only | 9 | 178 | 5.06% |
| &nbsp;&nbsp;Interest Only |  |  |  |
| &nbsp;&nbsp;Loan Purpose | 1 | 178 | 0.56% |
| &nbsp;&nbsp;Loan Purpose |  |  |  |
| &nbsp;&nbsp;Margin | 3 | 178 | 1.69% |
| &nbsp;&nbsp;Margin |  |  |  |
| &nbsp;&nbsp;Maturity Date | 17 | 178 | 9.55% |
| &nbsp;&nbsp;Maturity Date |  |  |  |
| &nbsp;&nbsp;Min Purchase Price/As-Is Value | 4 | 178 | 2.25% |
| &nbsp;&nbsp;Min Purchase Price/As-Is Value |  |  |  |
| &nbsp;&nbsp;Note Date | 1 | 178 | 0.56% |
| &nbsp;&nbsp;Note Date |  |  |  |
| &nbsp;&nbsp;Original Amortization Term | 9 | 178 | 5.06% |
| &nbsp;&nbsp;Original Amortization Term |  |  |  |
| &nbsp;&nbsp;Original Interest Rate | 1 | 178 | 0.56% |
| &nbsp;&nbsp;Original Interest Rate |  |  |  |
| &nbsp;&nbsp;Original Term | 1 | 178 | 0.56% |
| &nbsp;&nbsp;Original Term |  |  |  |
| &nbsp;&nbsp;PITI | 15 | 178 | 8.43% |
| &nbsp;&nbsp;PITI |  |  |  |
| &nbsp;&nbsp;Prepayment Penalty Type | 15 | 178 | 8.43% |
| &nbsp;&nbsp;Prepayment Penalty Type |  |  |  |
| &nbsp;&nbsp;Product Type | 1 | 178 | 0.56% |
| &nbsp;&nbsp;Product Type |  |  |  |
| &nbsp;&nbsp;Property Street Address | 1 | 178 | 0.56% |
| &nbsp;&nbsp;Property Street Address |  |  |  |
| &nbsp;&nbsp;Property Type | 10 | 178 | 5.62% |
| &nbsp;&nbsp;Property Type |  |  |  |
| &nbsp;&nbsp;Property Zip | 3 | 178 | 1.69% |
| &nbsp;&nbsp;Property Zip |  |  |  |
| &nbsp;&nbsp;QM Status | 46 | 178 | 25.84% |
| &nbsp;&nbsp;QM Status |  |  |  |
| &nbsp;&nbsp;Qualifying Credit Score | 8 | 178 | 4.49% |
| &nbsp;&nbsp;Qualifying Credit Score |  |  |  |
| &nbsp;&nbsp;Qualifying DTI | 7 | 178 | 3.93% |
| &nbsp;&nbsp;Qualifying DTI |  |  |  |
| &nbsp;&nbsp;Self-Employment Flag | 8 | 178 | 4.49% |
| &nbsp;&nbsp;Self-Employment Flag |  |  |  |

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**APPENDIX A**

**Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

Please be advised that Evolve did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Evolve are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Evolve is relying in reaching such findings.

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by Evolve.

Evolve reviewed each mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

**(I)** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

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&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission period;
and

vi) any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures,
and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s);

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable
tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge;

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage;

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements;

&nbsp;&nbsp;&nbsp;&nbsp;**(II)** **Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the
time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

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iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list,
as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided to the borrower(s)
to determine that such changes were within the allowed tolerances;

ii) confirm loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form
in the loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the loan file or that the loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement
Disclosure in the loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii)confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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**(III)** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" loans, "covered" loans, "higher-priced" loans, "home" loans or any other similarly designated loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;■ Final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures related to the enumerated tests set
forth herein.

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to
determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, Evolve reviewed the relevant documents in the loan file and,
as necessary, attempted to obtain the loan originator compensation agreement and/or governing policies and procedures of the loan originator.
In the absence of the loan originator compensation agreement and/or governing policies and procedures, Evolve's review was limited
to formal general statements of entity compliance provided by the loan originator, if any. These statements, for example, were in the
form of a letter signed by the seller correspondent/loan originator or representations in the mortgage loan purchase agreement between
the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership
counseling in connection with a loan to a first time homebuyer that contains a negative amortization feature;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if
the terms of the loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising
out of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed,
directly or indirectly, any premiums or fees for credit insurance; and

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence
of loan originator organization and individual loan originator name and NMLSR ID, as applicable, on the credit application, note or loan
contract, security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(VIII) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor provided
the borrower a list of homeownership counseling organizations within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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**(IX) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12
C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R.
1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and
203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors
(12 C.F.R. 1026.43(f)).

Evolve reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Evolve determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, Evolve notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, Evolve notes if an originator loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Evolve reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

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The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated loan that does not satisfy the applicable requirements enumerated above, Evolve then determines whether the loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

*<u>General Ability to Repay</u>*

Evolve reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Evolve reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Evolve does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Evolve's review is based on information contained in the loan file at the time it is provided to Evolve to review, and only reflects information as of that point in time.

**(X)** **The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal
disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

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iii) timing of creditor providing a copy of each appraisal or other written valuation;

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

Evolve confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Evolve reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparables and adjustments were reasonable and that pictures were provided and were accurate.

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Evolve.

Evolve reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(XII) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October
3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided
prior to receipt of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October
3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed
on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home
Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to
the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

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**(XIII) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures related to the enumerated tests set
forth herein.

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## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

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| ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) |
| **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |
| **Run Date - 01/XX/2023 8:58:11 AM** | **Run Date - 01/XX/2023 8:58:11 AM** | **Run Date - 01/XX/2023 8:58:11 AM** | **Run Date - 01/XX/2023 8:58:11 AM** | **Run Date - 01/XX/2023 8:58:11 AM** | **Run Date - 01/XX/2023 8:58:11 AM** | **Run Date - 01/XX/2023 8:58:11 AM** |
| &nbsp;&nbsp;**Evolve Loan ID** | &nbsp;&nbsp;**Customer Loan ID** | &nbsp;&nbsp;**Seller Loan ID** | &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Bid Tape Field Value** | &nbsp;&nbsp;**Field Value** | &nbsp;&nbsp;**Comment** |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Verified appraisal date with updated appraisal. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Bid tape is 2021/XX/18. Audited date is 2021/XX/29. Effective date of 10/XX/2021 is verified with appraisal. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Full | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;FullDocumentation | &nbsp;&nbsp;Alternative Doc | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;FullDocumentation | &nbsp;&nbsp;Alternative Doc | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;FullDocumentation | &nbsp;&nbsp;Alternative Doc | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;FullDocumentation | &nbsp;&nbsp;Alternative Doc | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;FullDocumentation | &nbsp;&nbsp;Alternative Doc | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.630 | &nbsp;&nbsp;1.810 | &nbsp;&nbsp;Bid Tape 1.63 Audited Data 1.81 Gross Schedule Income is $2,887.50(Short Term Rental $49,500/12= $4,125 x 70% = $2,887.50) divided by monthly payment $1,598.67(Principle, Interest, Taxes, Insurance and HOA) equals DSCR 1.81. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.010 | &nbsp;&nbsp;1.080 | &nbsp;&nbsp;Bid tape is 1.010. Audited value is 1.080. Gross Schedule Income is $1,400.00 divided by mortgage payment $1,163.42. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.510 | &nbsp;&nbsp;1.370 | &nbsp;&nbsp;Bid tape is 1.51. Audited value is 1.37x. Gross Schedule Income is $2490.60 (Short term lease ave) -- divided by Monthly mortgage payment PITI of $1814.28. ($1291.83 P&I plus $406.32 tax, plus $116.13 haz) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0.990 | &nbsp;&nbsp;1.120 |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.140 | &nbsp;&nbsp;1.210 | &nbsp;&nbsp;Using market rents with 10% factor due to no rent recepts |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.230 | &nbsp;&nbsp;1.300 | &nbsp;&nbsp;Bid Tape 1.23, Audited 1.30 Gross Schedule Income is $1,530 ($1,700 x10% vacancy factor) divided by monthly mortgage payment $1,177.61 Interest, Taxes, and Insurance. DSCR ratio 1.30. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.000 | &nbsp;&nbsp;1.060 | &nbsp;&nbsp;Bid tape is 1.00, DSCR is calculated with the lease rents of $1,987.38 minus the vacancy factor of 10% by the principle, interest, taxes, HOA and insurance of $1739.82 which equals 1.03% |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.750 | &nbsp;&nbsp;1.880 | &nbsp;&nbsp;Bid tape is 1.75%. DSCR is calculated with the market rents of $1,800 minus the vacancy factor of 10% by the principle, interest, taxes and insurance of $862.98 which equals 1.88%. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.000 | &nbsp;&nbsp;1.080 | &nbsp;&nbsp;Bid tape is 1.000. Audited value is 1.080. Gross Schedule Income is $1,750.00 – 10% vacancy factor divided by mortgage payment $1,464.77. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;2.010 | &nbsp;&nbsp;2.130 | &nbsp;&nbsp;Verified with MR of 1650-10% variance/mtg pymt |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.220 | &nbsp;&nbsp;1.310 | &nbsp;&nbsp;Bid tape is 1.22, DSCR is calculated with the market rents of $2,500 minus the vacancy factor of 10% by the principle, interest, taxes, HOA and insurance of $1723.57 which equals 1.31%. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.000 | &nbsp;&nbsp;1.080 | &nbsp;&nbsp;Bid tape is 1.00x. Audited DSCR value is 1.08x. Gross Schedule Income is $2829 (lease rents) – divided by Monthly mortgage payment ITIA of $2618.05 ($2347.50 I/O payment plus $168.39 tax, plus $89.66 haz, plus $12.50 HOA) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.130 | &nbsp;&nbsp;1.200 | &nbsp;&nbsp;Bid tape is 1.130. Audited value is 1.200. Gross Schedule Income is $1,800.00 divided by mortgage payment $1,503.84. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.470 | &nbsp;&nbsp;1.550 | &nbsp;&nbsp;Bid Tape 1.47, Audited 1.55 Gross Schedule Income is $1,665 ($1,850 x10% vacancy factor) divided by monthly mortgage payment $1,073.37 Interest, Taxes, and Insurance. DSCR ratio 1.55. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.170 | &nbsp;&nbsp;1.230 | &nbsp;&nbsp;Bid tape is 1.17x. Audited DSCR value is 1.23x. Gross Schedule Income is $2100 (market rents) –minus 10% vacancy ($210) divided by Monthly mortgage payment ITI of $1535.26. ($1147.50 I/O payment plus $320.61.00 tax, plus $67.15 haz) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.520 | &nbsp;&nbsp;1.610 | &nbsp;&nbsp;verified with market rent 2000-10% vacancy/mtg payment |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.670 | &nbsp;&nbsp;1.780 | &nbsp;&nbsp;Bid Tape is 1.67 Audited Data 1.78 Gross Scheduled Income is $1800(Market Rent per 1007)-10% vacancy=$1,620 divided by monthly mortgage payment $907.88 equals DSCR Ratio 1.78 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.430 | &nbsp;&nbsp;1.510 | &nbsp;&nbsp;Bid tape is 1.430. Audited value is 1.510. Gross Schedule Income is $2,097.00 divided by mortgage payment $1,385.08. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.160 | &nbsp;&nbsp;1.260 | &nbsp;&nbsp;DSCR 1.26 based on Gross Income 2000/1592.85 PITI |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.000 | &nbsp;&nbsp;1.060 | &nbsp;&nbsp;Bid tape is 1.00x. Audited DSCR value is 1.06x. Gross Schedule Income is $3173 (lease rents) -- divided by Monthly mortgage payment ITIA of $2990.75. ($2527.50 I/O payment plus $77.00 tax, plus $153.17 haz, plus $96.08 Flood and $137.00 HOA) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.170 | &nbsp;&nbsp;1.270 | &nbsp;&nbsp;Bid Tape is 1.17, Audited Data 1.27, Gross Schedule Income $1,790(Lease) divided by monthly mortgage payment $1,412.25 equals DSCR Ratio 1.27 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.000 | &nbsp;&nbsp;1.080 | &nbsp;&nbsp;Bid Tape is 1.00, Audited Data 1.080, Gross Schedule Income $4,448(Lease) divided by monthly mortgage payment $4,112.92 equals DSCR Ratio 1.080 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.000 | &nbsp;&nbsp;1.040 | &nbsp;&nbsp;Bid Tape is 1.00 , Audited Data is 1.04 Gross Scheduled Income is $2,700 (Leases)-$270 / divided by monthly mortgage payment $2337.59 is equal to a 1.04 DSCR |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.080 | &nbsp;&nbsp;1.130 | &nbsp;&nbsp;Bid tape is 1.08. Audited DSCR value is 1.13x. Gross Schedule Income is $2172 (lease rents) -- divided by Monthly mortgage payment ITI of $1917.11. ($1662.50 I/O payment plus $208.69 tax, plus $45.92 haz) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.000 | &nbsp;&nbsp;1.050 | &nbsp;&nbsp;DSCR verified with appraisal and First payment letter. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.020 | &nbsp;&nbsp;1.080 | &nbsp;&nbsp;Bid tape is 1.02. DSCR is calculated with the market rents of $2,200 by the principle, interest, taxes and insurance of $2,035.40 which equals 1.08%. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.300 | &nbsp;&nbsp;1.410 | &nbsp;&nbsp;Bid Tape is 1.30, Audited Data 1.410, Gross Schedule Income $2,385(Monthly Rents) divided by monthly mortgage payment $1,693.98 equals DSCR Ratio 1.41 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.000 | &nbsp;&nbsp;1.070 | &nbsp;&nbsp;Bid Tape is 1.00 Audited Data 1.07, Gross Scheduled Income is $2625(Leases) divided by monthly mortgage payment $2,451.33 equals DSCR Ratio 1.07. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.000 | &nbsp;&nbsp;1.070 | &nbsp;&nbsp;Bid Tape is 1.00 , Audited Data is 1.06 Gross Scheduled Income is $1900 (Market Rent)x125%=$2375/ divided by monthly mortgage payment $2,237.20 is equal to a 1.06 DSCR |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.160 | &nbsp;&nbsp;1.250 | &nbsp;&nbsp;Bid tape is 1.16x. Audited DSCR value is 1.25x. Gross Schedule Income is $2820 (lease rents) – divided by Monthly mortgage payment ITIA of $2249.08. ($1605.00 I/O payment plus $532.33 tax, plus $72.83 haz, plus $39.17 HOA) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.230 | &nbsp;&nbsp;1.300 | &nbsp;&nbsp;Bid tape is 1.230. Audited value is 1.300. Gross Schedule Income is $2,150.00 divided by mortgage payment $1,493.53. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.980 | &nbsp;&nbsp;2.080 | &nbsp;&nbsp;Bid Tape is 1.98 , Audited Data is 2.08 Gross Scheduled Income is $2500 (Market Rent)-10% vacancy rate/ divided by monthly mortgage payment $1,081.04 is equal to a 2.08 DSCR |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.160 | &nbsp;&nbsp;1.240 | &nbsp;&nbsp;Bid Tape is 1.160. Audited Data 1.240. Gross Scheduled Income is $1,450.00(market rent)-10% vacancy totals $1,305.00 divided by monthly mortgage payment $1,054.96 equals DSCR Ratio 1.240. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.000 | &nbsp;&nbsp;1.160 | &nbsp;&nbsp;Verified with lease and rent ledger/mtg pymt |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.000 | &nbsp;&nbsp;1.060 | &nbsp;&nbsp;DSCR verified with Lease and first payment letter. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.110 | &nbsp;&nbsp;1.190 | &nbsp;&nbsp;Bid tape is 1.10x. Audited DSCR value is 1.19x. Gross Schedule Income is $1937 (lease rents) – divided by Monthly mortgage payment ITI of $1634.50 ($1485.00 I/O payment plus $114.75 tax, plus $34.75 haz) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.010 | &nbsp;&nbsp;1.060 | &nbsp;&nbsp;Bid Tape is 1.01 , Audited Data is 1.06 Gross Scheduled Income is $1,730 (Lease)/ divided by monthly mortgage payment $1,627.20 is equal to a 1.06 DSCR |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.240 | &nbsp;&nbsp;1.320 | &nbsp;&nbsp;Bid tape is 1.24. Audited DSCR value is 1.32x. Gross Schedule Income is $1770(lease rents) -- divided by Monthly mortgage payment ITI of $1343.61. ($1132.50 I/O payment plus $164.44 tax, plus $46.67 haz) |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.000 | &nbsp;&nbsp;1.030 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;2.010 | &nbsp;&nbsp;1.960 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.050 |  | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.140 | &nbsp;&nbsp;1.230 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.310 |  | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.060 |  | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0.860 |  | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.420 |  | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.070 |  | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0.960 |  | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1.080 |  | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0.800 |  | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;0.770 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;0.800 |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;1.060 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;1.200 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;1.020 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;1.010 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;1.010 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;1.230 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;1.110 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;1.120 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;1.000 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;1.050 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;1.000 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;1.510 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;1.420 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;1.250 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DSCR |  | &nbsp;&nbsp;0.910 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Index Type |  | &nbsp;&nbsp;1YearWallStreetJournalLIBORRateMonthly | &nbsp;&nbsp;verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Index Type |  | &nbsp;&nbsp;1YearWallStreetJournalLIBORRateMonthly | &nbsp;&nbsp;VERIFIED |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Index Type |  | &nbsp;&nbsp;1YearWallStreetJournalLIBORRateMonthly | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Index Type | &nbsp;&nbsp;30 DAY AVG SOFR | &nbsp;&nbsp;30DayAverageSOFR | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;NoCash-Out Refinance | &nbsp;&nbsp;Refinance (Refi) No - Limited Cash Out |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Margin |  | &nbsp;&nbsp;4.00 | &nbsp;&nbsp;verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Margin |  | &nbsp;&nbsp;4.00 | &nbsp;&nbsp;VERIFIED |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Margin |  | &nbsp;&nbsp;4.00 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20520301 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20620401 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20520901 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20521001 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20521101 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20521101 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20521101 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20521001 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20521201 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20521201 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20521201 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20521201 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20521201 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20521101 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20521101 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Maturity Date |  | &nbsp;&nbsp;20521101 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Min Purchase Price/As-Is Value | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Verified purchase price with sales contract and value with appraisal. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Min Purchase Price/As-Is Value | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Bid tape is $XX. Audited data is $XX. Verified Min Purchase Price/As-Is Value per appraisal. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Min Purchase Price/As-Is Value | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Verified purchase price with sales contract. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Min Purchase Price/As-Is Value | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Audited Data $XX verfied with Appraisal. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Note Date |  | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;480 | &nbsp;&nbsp;360 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;480 | &nbsp;&nbsp;360 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;480 | &nbsp;&nbsp;360 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;480 | &nbsp;&nbsp;360 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;480 | &nbsp;&nbsp;360 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;480 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;480 | &nbsp;&nbsp;360 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;360 | &nbsp;&nbsp;240 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;360 | &nbsp;&nbsp;240 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;360 | &nbsp;&nbsp;480 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;PITI | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;PITI | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;PITI | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;PITI | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;PITI | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;PITI | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;PITI | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;PITI | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXXXX |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;PITI | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;PITI | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;PITI | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;PITI | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;PITI | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;PITI | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;PITI |  | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Product Type | &nbsp;&nbsp;Ret/ Brok/ WHL - Rental Finance - Rate & Term | &nbsp;&nbsp;Rental Finance - Purchase | &nbsp;&nbsp;This loan is a DSCR purchase money first mortgage and not a rate/term |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;XX | &nbsp;&nbsp;XX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Attached | &nbsp;&nbsp;Single Family | &nbsp;&nbsp;Bid tape property type is attached. Audited value is single family. Subject property is a Single Family confirmed by the appraisal. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Detached | &nbsp;&nbsp;PUD-Detached | &nbsp;&nbsp;Bid tape has Detached. Audited value has PUD-Detached as verified with appraisal. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;PUD | &nbsp;&nbsp;Single Family | &nbsp;&nbsp;Audited Data Single Family verified with Appraisal. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Attached | &nbsp;&nbsp;Single Family | &nbsp;&nbsp;Bid tape is Attached. Audited data is Single family. Verified property type of Single family Detached with appraisal. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Attached | &nbsp;&nbsp;Single Family | &nbsp;&nbsp;Verified property type is Single Family Attached. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Attached | &nbsp;&nbsp;Single Family | &nbsp;&nbsp;Bid tape has Attached. Audited value is single family confirmed with appraisal |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Attached | &nbsp;&nbsp;Single Family | &nbsp;&nbsp;Bid tape property type is Attached. Audited value is single Family. Subject property is a detached single Family confirmed by the appraisal. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Attached | &nbsp;&nbsp;Single Family | &nbsp;&nbsp;Verified with Appraisal subject property is a single family semi attached. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;PUD | &nbsp;&nbsp;Single Family | &nbsp;&nbsp;Verified property type with appraisal. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;PUD | &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;QM | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;QM | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;QM | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;QM | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;QM Status | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;XXX | &nbsp;&nbsp;XXX | &nbsp;&nbsp;Tape data 712 Audited value is 738. Auditor used middle of three scores. Equifax score 712, Experian score is 769, Transunion score is 738. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;XXX | &nbsp;&nbsp;XXX | &nbsp;&nbsp;Tape data 771 Audited value is 797. Auditor used middle of three scores. Equifax score 804, Experian score is 796, Transunion score is 797. |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;XXX |  | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;XXX |  | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;XXX |  | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;XXX |  |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;XXX |  |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;XXX |  |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;0.48145 | &nbsp;&nbsp;0.48469 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;0.42505 | &nbsp;&nbsp;0.44710 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;0.44096 | &nbsp;&nbsp;0.44097 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;0.51393 | &nbsp;&nbsp;0.44850 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;0.47246 | &nbsp;&nbsp;0.48630 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;0.44484 | &nbsp;&nbsp;0.44485 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;0.39900 | &nbsp;&nbsp;0.33051 | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Self-Employment Flag |  | &nbsp;&nbsp;N | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;Y | &nbsp;&nbsp;N | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;N | &nbsp;&nbsp;Y |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Self-Employment Flag |  | &nbsp;&nbsp;N | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Self-Employment Flag |  | &nbsp;&nbsp;N | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;Verified |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;Self-Employment Flag |  | &nbsp;&nbsp;Y | &nbsp;&nbsp;Verified |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) |
| **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** |
| **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  | **Run Date - 01/18/2023 8:58:10 AM**  |
| &nbsp;&nbsp;**Evolve Loan ID** | &nbsp;&nbsp;**Customer Loan ID** | &nbsp;&nbsp;**Seller Loan ID** | &nbsp;&nbsp;**Loan Exception ID** | &nbsp;&nbsp;**Exception ID** | &nbsp;&nbsp;**Exception Date** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Exception Subcategory** | &nbsp;&nbsp;**Exception** | &nbsp;&nbsp;**Exception Detail** | &nbsp;&nbsp;**Exception Information** | &nbsp;&nbsp;**Exception Remediation** | &nbsp;&nbsp;**Compensating Factors** | &nbsp;&nbsp;**Follow-up Comments** | &nbsp;&nbsp;**Cleared Date** | &nbsp;&nbsp;**Cured Date** | &nbsp;&nbsp;**Waived Date** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Level Rating** | &nbsp;&nbsp;**Note Date** | &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Overall Initial Loan Grade** | &nbsp;&nbsp;**Overall Final Loan Grade** | &nbsp;&nbsp;**Credit Initial Loan Grade** | &nbsp;&nbsp;**Credit Final Loan Grade** | &nbsp;&nbsp;**Compliance Initial Loan Grade** | &nbsp;&nbsp;**Compliance Final Loan Grade** | &nbsp;&nbsp;**Property Initial Loan Grade** | &nbsp;&nbsp;**Property Final Loan Grade** | &nbsp;&nbsp;**Originator QM ATR Status** | &nbsp;&nbsp;**TPR QM ATR Status** | &nbsp;&nbsp;**Is Curable** |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6662654 | &nbsp;&nbsp;272 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral |  | &nbsp;&nbsp;UW Collateral - UW - Appraisal Other |  | &nbsp;&nbsp;Appraisal has a cost to cure of $X,XXX which is over X% of the appraised value |  | &nbsp;&nbsp;No interior issues; borrower has much rental experience | &nbsp;&nbsp;Reviewer 02/17/2022 01:30 PM; Client approved due to comp factors<br>|  |  | &nbsp;&nbsp;02/17/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6664536 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Requiring XXX XXXXXX XXXXXX XXXXX to get XX% cash out XXX |  | &nbsp;&nbsp;There are two XXX. the lower middle score between the two of them is XXX, X credit points off of the XXX needed for XX% XXX. The higher middle score is XXX |  |  |  | &nbsp;&nbsp;02/18/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6686484 | &nbsp;&nbsp;206 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - year premium not in force at least 60 days post funding. |  | &nbsp;&nbsp;XXXXXX expires in less then XX days. XXXXXX provide proof hazard is paid for new policy which replaces the one expiring. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;04/07/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6686492 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;XXXXXXXXXX XXXXXXXXX signed at closing on X/XX/XX shows XXXXXXXXXXXX date in the future on XX/XX/XXXX. XXXXX loan has funded and been disbursed is required. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;04/07/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6715414 | &nbsp;&nbsp;272 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral |  | &nbsp;&nbsp;UW Collateral - UW - Appraisal Other |  | &nbsp;&nbsp;XXXXXXXXX was approved to use exterior-only appraisal. |  | &nbsp;&nbsp;The tenants did not want to risk their chances with an appraiser entering into the premises due to being more susceptible to XXXXX. XXXXXXXXXXXX factors: XXXXXXXX has extensive experience with XX fix and flips and XX rentals, XXXX of X.XX is way above the accepted amount, credit score is XXX |  |  |  | &nbsp;&nbsp;03/09/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6715422 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXXXXXXX was approved for XX% XXX for cash-out refinance on unleased property. |  | &nbsp;&nbsp;Borrower has extensive experience with XX fix and flips and XX rentals, XXXX of X.XX is way above the accepted amount, credit score is XXX, borrower is eligible for XXXXXXXX XXXX. XXX terms of the lease expired with no language stating that it'll revert to month to month. XXXXXXX, there are XXXX statements in file showing proof that he is still getting payment from the tenant. |  |  |  | &nbsp;&nbsp;03/09/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6712948 | &nbsp;&nbsp;350 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW - LTV/CLTV does not meet parameters |  | &nbsp;&nbsp;XXXX closed as a cash out XX% XXX purchased in XX/XX. |  | &nbsp;&nbsp;The exception was granted with compensating factors: XX has over XXX rentals and has flipped XXX more properties. (track record in the file just has XX to get to platinum) |  |  |  | &nbsp;&nbsp;03/07/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6712949 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXXXXX exception form to include listed compensating factors. |  | &nbsp;&nbsp;Pricing exception: X.XXX% XX year fixed i/X, XX% delayed purchase loan, X point being charged to the bwr – the XXX will make nothing. XXXXXXXXXXXX XXXXXXX: X. XXXXXX XXXXX is XXX. XXX product guideline requires a credit score of XXX. X. XXXXX is XX.XX%. XXX product guideline requires an XXXXX of XX%. X. XXXX is X.XX. XXX product guideline requires a XXXX of X.XX. X. XXXXXXXXXX is # XXXXXX units. XXX product guideline requires experience of XX # XXXXXX units. |  |  |  | &nbsp;&nbsp;04/13/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6719695 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXXX payment letter provided does not calculate to XXXXX. | &nbsp;&nbsp;Received |  | &nbsp;&nbsp;Reviewer 04/13/2022 03:17 PM; Received document, however, XXXXX payment letter provided does not calculate to XXXXX.<br>| &nbsp;&nbsp;04/14/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6711241 | &nbsp;&nbsp;350 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW - LTV/CLTV does not meet parameters |  | &nbsp;&nbsp;Guarantor with less than XX month management experience needs a X% XXX adjustment downward from XX% to XX%. X% XXX exception |  | &nbsp;&nbsp;Guarantor with less than XX month management experience needs a X% XXX adjustment downward from XX% to XX%. X% XXX exception. Client approved due to comp factors of XXX XXXX; X.XX% XXXX. |  |  |  | &nbsp;&nbsp;03/07/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;CA | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6721706 | &nbsp;&nbsp;380 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Other |  | &nbsp;&nbsp;UW Other - UW - Lease Agreements |  | &nbsp;&nbsp;XXXXXXX lease agreement for one of the two units. $XXX/mo is being used to determine XXXX. XXXX is below minimum requirement. |  | &nbsp;&nbsp;Compensating XXXXXX: XXXXXX XXXXX is XXX XXXXX is XX% XXXX is X.XX% XXXXXXXX tier with significant experience with us, multiply loans closed, paying on active loans with no issues, and additional loans in pipeline to be closed | &nbsp;&nbsp;Client 04/13/2022 09:07 AM; Exception uploaded to qualify property using lease for X unit and estimate for other unit for XXXX<br>Reviewer 04/13/2022 02:46 PM; cleared in tdocs <br>|  |  | &nbsp;&nbsp;04/13/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6713880 | &nbsp;&nbsp;973 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - CD- Other |  | &nbsp;&nbsp;XXXX a final settlement statement with the correct funding date. XXXX were executed on X/X XXXXXXXXXXXX date cannot be prior to consummation date of X/X. XX lists disbursement date/interest from X/XX. | &nbsp;&nbsp;Information provided |  | &nbsp;&nbsp;Client 04/13/2022 09:07 AM; See document uploaded X/X to clear<br>Reviewer 04/13/2022 09:22 AM; Hello, XXXXXXXX agreement is not the final settlement statement. XXXXXXXXX remains open. XXXXXXX XXXXX XXXXXXXXXX XXXXXXXXX with correct funding date/interest from date. XXXXX you<br>Reviewer 04/13/2022 02:21 PM; <br>Client 08/10/2022 11:10 AM; revised settlement statement uploaded<br>Reviewer 08/10/2022 11:29 AM; <br>Reviewer 08/10/2022 12:17 PM; Hello, XXXX has been cleared by XXXXX. XXXXX you!<br>| &nbsp;&nbsp;08/10/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6714317 | &nbsp;&nbsp;272 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral |  | &nbsp;&nbsp;UW Collateral - UW - Appraisal Other |  | &nbsp;&nbsp;XXXX loan with deferred maintenance exceeding X% of the property value. XXXXXXXXX states $X,XXX interior and $XX,XXX exterior repairs needed which equals X.XX% of the appraised value. |  | &nbsp;&nbsp;Client waived due to repeat XXXXXXXX borrower with solid pay history with the lender. XXXXXXXXXXXX factors: experience is XX # rental units. X-borrower has alot of experience. XXXXXXXX is repeat platinum borrower who hasn't had payment issues on loans that are out of payment escrow. X- XXXXXXXX is considered "leased" by our guidelines and XXXX is over X.XX, which is all it needs to be for this XXX. X- XXXXXXXXX credit score went up during process from XXX to XXX. |  |  |  | &nbsp;&nbsp;03/08/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6720867 | &nbsp;&nbsp;1108 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral TPR |  | &nbsp;&nbsp;UW Collateral TPR - UW - Second collateral evaluation is required. |  | &nbsp;&nbsp;XXXXXXXX out of tolerance. | &nbsp;&nbsp;Received XXX-X/X/XX within tolerance |  |  | &nbsp;&nbsp;04/11/2022 |  |  | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;B | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6729337 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXXXXXXX XXXXXXX XXX insurance to indicate commercial general liability coverage of $XX per occurance and $XX aggregate. |  | &nbsp;&nbsp;After going through quotes from a couple different insurance companies the closes we're able to get to is two policies on the subject property, each with XXXX of commercial general liability coverage. XX XXXXXXXXX company can apparently do the $XX in aggregate. XXXXXXXXXXXX factors: XXXX X.XX. XXXXXXXXXX is XX+ # rental units. X. XXXX is XXXXXX on this file, being over X.XX, despite massive annual tax and insurance bills. X. XXXXXXXX is repeat, platinum level borrower with many rentals. X. XXXXXXXX has never had a payment issue with us on any loans he's done that are out of payment escrow. |  |  |  | &nbsp;&nbsp;03/16/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6725378 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;-XXXXXXX XXX for XX% cash out XXX - XXXXXXX annual XXX ledger for XX% cash out XXX - XXXXX XXX by X% for XXX |  | &nbsp;&nbsp;Approved for XX% XXX on cash out XXX at XXX XXXX. XXXXXXXXXXXX factor: X. borrower has closed these loans with us-XXXX-XXXXXX- XXXX-XXXXXX- XXXX-XXXXXX- and it out of payment reserves on the two XXXX loans- XXXX-XXXXXX - XXXX-XXXXX. XX payment issues on those or any loans he has with us. X. XXXXXXXX has lots of experience, more than the amount that's on his track record. X. XXXXXXXX is paying off a successful rehad loan with this loan. | &nbsp;&nbsp;Reviewer 03/15/2022 08:48 AM; Borrower has a XXX middle score. XXXXXXXX just recently finished rehab on this property via current loan-XXXX-XXXXXX. XXXXXXXX doe not have a ledger because he is just going to start short term renting tight now. - XXXXXXXX has lots of experience . more than the amount that is on his track record. - XXXXXXXX is paying off a successful rehab loan with this loan. - XXXXXXXX has closed these loans with us - XXXX-XXXXXX ,XXXX-XXXXXX,XXXXXXXXXX and is out of payment reserve<br>|  |  | &nbsp;&nbsp;03/16/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6729937 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXXXXX guideline exception X.X borrower property threshold-XXX reviews the borrowers track record, including previous transactions with XXX, in XXX's evaluation of the property concentration threshold for any given borrower. X XXXXXXXX eligibility-X. XXXXX record review-public records verfication. X.XX derogatory credit event seasoning-seasoning is measured from the derogatory event completion date to credit report date. XXXXXXXXX XXXXXX XXXXXXXXX for multiple mortgage lates on properties reported for track record for both XX's. |  | &nbsp;&nbsp;Compensating factors: XXXXXX score XXX, XXXXX is XX%, XXXX is X.XX, XXXXXXXXXX is X# XXX and XXXXX units, XXXXXXXXXX is X# rental units. XXXXXXXX subject to min X% coupon. |  |  |  | &nbsp;&nbsp;03/16/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;IL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6726115 | &nbsp;&nbsp;337 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Other |  | &nbsp;&nbsp;UW Other - UW - HUD-1 to evidence payment of debts |  | &nbsp;&nbsp;XXXXXXX the final XXX-X or final XX | &nbsp;&nbsp;Received |  |  | &nbsp;&nbsp;04/13/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;IL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6735447 | &nbsp;&nbsp;351 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW - DTI exceeds maximum limit |  | &nbsp;&nbsp;XXXX of X.XX does not meet guideline of X.XX for unleased property with XX% XXX purchase money |  | &nbsp;&nbsp;Exception request: XXXXXX minimum XXXX applies to XXXX-XXXX XXXXXX properties. XXXXX-XXXX XXXXXX minimum XXXX = X.XXx for all loan programs, XXXXXXXXXX we move forward with closing at a X.XX XXXX for this short term rental. X. XXXXXX XXXXX is XXX. X. XXXXX is XX%.Applicant has a XXX XXXX and per market data this is an A- XXXXXX with XXXXXXXXX XXXXX and XXXXXX XXXX XXXXXXXXX steadily increasing over last X months. |  |  |  | &nbsp;&nbsp;04/13/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6748778 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;XXXXXX XXXXXXXXX XXXXXXXXXXX and or XXXXXX are not XXXXXXXXXX. XXXX active and valid insurance | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;04/28/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;CA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6751018 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXX insurance coverage is missing on the hazard insurance quotation and no evidence of obtained insurance coverage is in file. | &nbsp;&nbsp;document provided |  |  | &nbsp;&nbsp;04/28/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;CA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6751024 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXXXXXX was granted to use XXXXX XXXXXX rental income estimate in lieu of XXXX/XXX rental estimates. |  | &nbsp;&nbsp;Platinum client; great credit score of XXX with clean mortgage history; great assets ordered appraisal in system correctly but appraiser didn't complete the rental analysis |  |  |  | &nbsp;&nbsp;03/30/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;CA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6761975 | &nbsp;&nbsp;851 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;XXXXXXXXX missing from file for XX% XXX for rate/term refinance on a short-term rental without XX month rental ledger and proof of X months deposits. |  | &nbsp;&nbsp;Credit score XXX. XXX product guideline requires a score of XXX. XXXXX is XX.X%. XXX product guideline requires an XXXXX of XX.X% XXXX is X.XX. XXX product guideline requires a XXXX of X.XX. XXXXXXXXXX is XX# XXXXXX units over X years. XXX product guidelines requires #X XXXXXX unit over X years. XXXXXXXXXXX XXXXXXXX over X years. XXXXXXXXX credit since XXXX. |  |  |  | &nbsp;&nbsp;04/22/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6761246 | &nbsp;&nbsp;336 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Income Other |  | &nbsp;&nbsp;XXXXX is a corrupt file. | &nbsp;&nbsp;Received |  |  | &nbsp;&nbsp;04/15/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NJ | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6761247 | &nbsp;&nbsp;350 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW - LTV/CLTV does not meet parameters |  | &nbsp;&nbsp;XXX of XX.XX% exceeds guideline of XX% for R/T refi of a leased property with a XXXX of X.XXx |  | &nbsp;&nbsp;Experienced XXXXXXXX borrower with the lender. XXXXXX XXXXX is XXX guideline requires XXX,XXXXX is XX%, XXXX is X.XX. XXX product guideline requires a XXXX of X.XX,XXXXXXXXXX is XX XXXXXX units. XXX product guideline requires experience of X |  |  |  | &nbsp;&nbsp;04/07/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NJ | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6762468 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXX X months of rent receipt verification is not complete as the XXXXXXXX rent showing on the ledger statement of $X,XXX is less than the actual rent amount of $X,XXX on the lease agreement. | &nbsp;&nbsp;LOE provided XXXXXX was paid due to repairs paid |  | &nbsp;&nbsp;Client 04/22/2022 11:53 AM; Please see uploaded XXXXXX of XXXXXXXXXXX. $XXXX was the full amount of XXX rent due to a credit being provided due to the tenant. XXXXXX review and clear<br>Reviewer 04/22/2022 02:26 PM; Condition has been cleared XXXXX you <br>| &nbsp;&nbsp;04/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6762470 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXX is a rate/term refund transaction and XX is getting cash back more than the rehab costs but an exception was approved to refund the XX $XXX loan they paid off after they acquired the property. |  | &nbsp;&nbsp;Compensating factors: XXXXXX score of XXX; XXXXX XX%. |  |  |  | &nbsp;&nbsp;04/07/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6765497 | &nbsp;&nbsp;272 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral |  | &nbsp;&nbsp;UW Collateral - UW - Appraisal Other |  | &nbsp;&nbsp;XXXXXXXX does not qualify for short-term rental financing. XXX XXXXXXXXXX XXXXXX XXXXXXXXX a. XXX property must exist in a geography characterized with a "XXXXXX XXXXX" (or equivalent metric acceptable to XXX) of "B-" rating or greater as graded by a XXX-approved third-party data provider. XXXXXXX will less than a "B-" rating are not eligible for XXXXX-XXXX XXXXXX financing and must follow the guideline requirements and parameters for XXXX-XXXX XXXXXXX. |  | &nbsp;&nbsp;The exception was granted to close this as a short-term rental with a c+ rating, with the following compensating factors: XXXXXX XXXXX is XXX. X. XXX credit XXXXX is XXX. XXX product guideline requires a credit score of XXX. X. XXXXX is XX.XX%. XXX product guideline requires an XXXXX of XX%. X. XXXXX is %. XXX product guideline requires an XXXXX of XX%. X. XXXX is X.XX. XXX product guideline requires a XXXX of X.Xx. X. XXXXXXXXXX is X # XXX and XXXX units. XXX product guideline requires experience of ______ # XXX & XXXX units. X. XXXXXXXXXX is X# XXXXXX units. XXX product guideline requires experience of ______ # XXXXXX units. X. XXXX reserves of $(may not include any cash-out proceeds related to the subject loan) X. XXXXXXXX has successfully paid off _______ # of loans with XXX with ________# delinquencies. X. XXXXX (specify below) XXXX is property is a XX% XXX short term rental loan in XX XX and they are making very good money |  |  |  | &nbsp;&nbsp;04/11/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MD | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6780904 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXXXXXXX approved not to escrow XXX |  | &nbsp;&nbsp;Compensating factors: XXXXXXXX is a XXXXXXXX XXXX borrower and has a commercial blanket policy. XXXXXXXXXX policy provide invoices the borrower monthly due to the addition and dropping of properties due to frequent acquisition and sales. | &nbsp;&nbsp;Reviewer 04/22/2022 07:33 PM; <br>|  |  | &nbsp;&nbsp;04/22/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6780954 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXXXXXXX approved not to escrow XXX |  | &nbsp;&nbsp;Compensating factors: XXXXXXXX is a XXXXXXXX XXXX borrower and has a commercial blanket policy. XXXXXXXXXX policy provide invoices the borrower monthly due to the addition and dropping of properties due to frequent acquisition and sales. |  |  |  | &nbsp;&nbsp;04/23/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6783924 | &nbsp;&nbsp;272 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral |  | &nbsp;&nbsp;UW Collateral - UW - Appraisal Other |  | &nbsp;&nbsp;XXXXXXXXX is from a non approved XXX |  | &nbsp;&nbsp;Client approved due to credit score and high XXXX. |  |  |  | &nbsp;&nbsp;04/27/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6790748 | &nbsp;&nbsp;272 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral |  | &nbsp;&nbsp;UW Collateral - UW - Appraisal Other |  | &nbsp;&nbsp;XXX-warrantable condo. XXXXXXX short term rental listing. XXXXX questionnaire on lender form. |  | &nbsp;&nbsp;Condo is part of an XXX that is four units total. XXXXX is not warrantable. I have added the XXXXX adjuster to their rate for non-warrantable condo. XXX borrower intends to XXXXXX this unit out. XXXX are purchasing it so they obviously do not have a short term rental listing to provide. XXXXXXXXXXXX has requested that we get an exception for not providing the short term rental listing. XXX manager of this for unit XXX does not want to complete the questionnaire on our form. XXX provided the attached form. XXX we proceed with the condo being that it is not warrantable? XXX we waive the requirement for providing a rental listing since I do not order yet? XXX we except the condo questionnaire as provided by the XXX manager? XXXXXX score is XXX. XXXX is X.XX. XXXXXXXXXX is X rental units. XXXXXX borrower with no payment issues. |  |  |  | &nbsp;&nbsp;05/02/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6794077 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXXXXXXX approved not to escrow XXX |  | &nbsp;&nbsp;Compensating factors: XXXXXXXX is a XXXXXXXX XXXX borrower and has a commercial blanket policy. XXXXXXXXXX policy provide invoices the borrower monthly due to the addition and dropping of properties due to frequent acquisition and sales. |  |  |  | &nbsp;&nbsp;05/05/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6794078 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXXXXX a copy of purchase agreement as its missing in file. | &nbsp;&nbsp;document provided |  |  | &nbsp;&nbsp;05/12/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6795703 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XX existing lease must have at least three (X) month term remaining for such existing lease to be considered an XX-XXXXX XXXXX |  | &nbsp;&nbsp;Compensating factors borrower credit score is XXX product min is XXX. XXXXXXXX experience is XXX rental untis, product requires X. |  |  |  | &nbsp;&nbsp;05/06/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;KS | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6798705 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXXXXXXX approved for the subject property is not within XXX miles of at least one of the guarantors on the loan. |  | &nbsp;&nbsp;Compensating XXXXXXX: XXX their XXXXXXX, XX properties, borrowers employ an operations manager who provides all maintenance and yard work for the homes. XXXX manager since XXXX. X. XXXX house has a highly skilled resident who provides day to day maintenance and who provides a weekly inspection. XXXX monitor the homes each week or biweekly with a personal visit as their business is XXXXXXXXXX based. X. XXXXXXXXX own a condo that is their home base in downtown XXXXXXX, XX (XXX XXXX XXXXXX, XXXX XXXX, XXXXXXX, XX XXXXX). X. XXXXXXXX investor, property in XXXXXXX and XXXXXXXXXX. XX various times, XXX have held property in XXXXX XXXXXXXX and XXXXXXX. |  |  |  | &nbsp;&nbsp;05/09/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;WA | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6798706 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXXXXXXX approved for not having a typical XXXX-term renter as borrower has a contract for $X.XXM with the state of XX, who pays for individuals to live in the homes that she rents. |  | &nbsp;&nbsp;Compensating XXXXXXX: XX addition, she has a grant of $XXX with the state towards rent coverage. XXX average rental income on the home from these monthly payments is $X,XXX depending on how many renters. XXX borrow is in its fifth year with this program and will renew at the end of the year. XXXXXXXX we've included the contracts for the payments and the grant, and proof of payment for the months of XXX and XXXXX. |  |  |  | &nbsp;&nbsp;05/09/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;WA | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6997168 | &nbsp;&nbsp;851 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;Max XXX is XX% for unleased cash out refinance, subject XXX is XX% |  | &nbsp;&nbsp;Compensating factors; credit score is XXX guideline requires min of XXX and XXXXXXXXXX is X rental units for X years guidelines require X rental unit in X year. |  |  |  | &nbsp;&nbsp;11/10/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6811011 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXXXXXXX approved to proceed with XXX to XXX purchase. |  | &nbsp;&nbsp;Articles and XX have been provided for review as evidence of arm's length deal. XXXXXX score is XXX. XXXX reserves of $XXX |  |  |  | &nbsp;&nbsp;05/18/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6811018 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXXXXXXXX approved not to escrow XXX |  | &nbsp;&nbsp;Compensating factors: XXXXXXXX is a XXXXXXXX XXXX borrower and has a commercial blanket policy. XXXXXXXXXX policy provide invoices the borrower monthly due to the addition and dropping of properties due to frequent acquisition and sales. |  |  |  | &nbsp;&nbsp;05/18/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6823296 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Hazard insurance is not being escrowed per guidelines. |  | &nbsp;&nbsp;The XXXXXXXXX was granted for the request to not escrow for XXXXXXXXX's XXXXXXXXX for this XXXXXXXX XXXX XXXXXX who has a commercial blanket policy for all his transactions with XXX, with the following compensating factors: X. XXXXXX XXXXX is XXX. XXX product guideline requires a credit score of XXX. X. XXXXX is XX.XX%. XXX product guideline requires an XXXXX of XX%. X. XXXX is X.XX. XXX product guideline requires a XXXX of X.Xx. X. XXXXXXXXXX is XX XXX and XXXX units. XXX product guideline requires experience of X XXX |  |  |  | &nbsp;&nbsp;05/25/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6824225 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Mortgage history must be XX months. XXXX for short term rentals must be X.XX. XXX has cumulative of XX months of mortgage history. XXXXXXXXXX exception to allow this. XXXXXXX requesting exception on avoiding .XXX hit with dscr above X.XX but slightly under X.XX to keep rate at X% for XXX. |  | &nbsp;&nbsp;Credit XXXXX is XXX.LTAIV is XX.XX%.DSCR is X.XX. XXXXXXXXXX is X # XXX and XXXX units. XXX product guideline requires experience of _X_# XXX |  |  |  | &nbsp;&nbsp;05/26/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6838823 | &nbsp;&nbsp;387 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Taxes and Insurance documentation |  | &nbsp;&nbsp;Hazard insurance not escrowed per guidelines |  | &nbsp;&nbsp;Client approved due to blanket hazard insurance and XXXXXXXX XXXX borrower. |  |  |  | &nbsp;&nbsp;06/07/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6968364 | &nbsp;&nbsp;961 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;Appraisal |  | &nbsp;&nbsp;Appraisal - FEMA Disaster Re-certification Required |  |  | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;10/10/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7023317 | &nbsp;&nbsp;272 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral |  | &nbsp;&nbsp;UW Collateral - UW - Appraisal Other |  | &nbsp;&nbsp;Fitch only - XXX missing confidence score as required. | &nbsp;&nbsp;BRP provided to support. |  |  | &nbsp;&nbsp;12/12/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6838654 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Missing the title commitment | &nbsp;&nbsp;Title XXXXXXXXXX provided |  |  | &nbsp;&nbsp;06/23/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6838655 | &nbsp;&nbsp;387 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Taxes and Insurance documentation |  | &nbsp;&nbsp;Hazard insurance is not escrowed per guidelines |  | &nbsp;&nbsp;Client approved due to blanket hazard policies and XXXXXXXX XXXX borrower |  |  |  | &nbsp;&nbsp;06/07/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6838522 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Missing the title commitment | &nbsp;&nbsp;Title XXXXXXXXXX provided |  |  | &nbsp;&nbsp;06/23/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6838523 | &nbsp;&nbsp;387 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Taxes and Insurance documentation |  | &nbsp;&nbsp;Hazard insurance is not escrowed per guidelines |  | &nbsp;&nbsp;Client approved due to blanket policy and XXXXXXXX XXXX borrower |  |  |  | &nbsp;&nbsp;06/07/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6842798 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Proximity - XXXXXXXXX/XXXXXXXXXX with a primary residence is greater than XXX miles from the subject are required to demonstrate that the subject property is professional managed, as evidenced by an unexpired property management contract. |  | &nbsp;&nbsp;The exception was granted with the following compensating factors: X. XXXXXX XXXXX is XXX XXX product guideline requires a credit score of XXX. X. XXXXX is XX%. XXX product guideline requires an XXXXX of XX%. X. XXXXX is N/A%. XXX product guideline requires an XXXXX of N/A%. X. XXXX is X.XXx. XXX product guideline requires a XXXX of X.XXx. X. XXXXXXXXXX is X XXX and XXXX units. XXX product guideline requires experience of X XXX |  |  |  | &nbsp;&nbsp;06/08/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6842801 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;DSCR is under X.XXx at X.XX. |  | &nbsp;&nbsp;The exception was granted with the following compensating factors: X. XXXXXX XXXXX is XXX XXX product guideline requires a credit score of XXX. X. XXXXX is XX%. XXX product guideline requires an XXXXX of XX%. X. XXXXX is N/A%. XXX product guideline requires an XXXXX of N/A%. X. XXXX is X.XXx. XXX product guideline requires a XXXX of X.XXx. X. XXXXXXXXXX is X XXX and XXXX units. XXX product guideline requires experience of X XXX |  |  |  | &nbsp;&nbsp;06/08/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6842796 | &nbsp;&nbsp;272 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral |  | &nbsp;&nbsp;UW Collateral - UW - Appraisal Other |  | &nbsp;&nbsp;The appraiser is non approved XXX XXX appraisal. |  | &nbsp;&nbsp;The exception was granted for the appraiser from non-approved list with the following compensating factors: X. XXXXXX XXXXX is XXX XXX product guideline requires a credit score of XXX. X. XXXXX is XX%. XXX product guideline requires an XXXXX of XX%. X. XXXXX is N/A%. XXX product guideline requires an XXXXX of N/A%. X. XXXX is X.XXx. XXX product guideline requires a XXXX of X.XXx. X. XXXXXXXXXX is X XXX and XXXX units. XXX product guideline requires experience of X XXX |  |  |  | &nbsp;&nbsp;06/08/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6878249 | &nbsp;&nbsp;1109 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral TPR |  | &nbsp;&nbsp;UW Collateral TPR - UW - Third collateral evaluation is required. |  | &nbsp;&nbsp;Xnd valuation has a - XX% variance. | &nbsp;&nbsp;document provided |  | &nbsp;&nbsp;Client 07/12/2022 07:39 AM; Updated valuation uploaded, please review<br>Reviewer 07/12/2022 08:39 AM; deficiency cleared <br>| &nbsp;&nbsp;07/12/2022 |  |  | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;DC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6844554 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Taxes and XXXXXXXXX were not escrowed. |  | &nbsp;&nbsp;The XXXXXXXXX XXXXXXX was granted, to not escrow for XXXXXXXXX's XXXXXXXXX for this XXXXXXXX XXXX XXXXXX who has a commercial blanket policy for all his transactions with XXX. XXX exception was granted with the following compensating factors: X. XXXXXX XXXXX is XXX. XXX product guideline requires a credit score of ___XXX___. X. XXXXX is XX.XX%. XXX product guideline requires an XXXXX of ___XX___%. X. XXXXX is %. XXX product guideline requires an XXXXX of __n/a____%. X. XXXX is X.XX. XXX product guideline requires a XXXX of ___X.X___x. X. XXXXXXXXXX is XX # XXX and XXXX units. XXX product guideline requires experience of ___X___ # XXX |  |  |  | &nbsp;&nbsp;06/09/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6861978 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;There is no escrow for XXXXXXXXX's XXXXXXXXX. |  | &nbsp;&nbsp;The exception XXXXXXX to not escrow for XXXXXXXXX's XXXXXXXXX was granted with the following compensating factors: XXXX is a XXXXXXXX XXXX XXXXXX who has a commercial blanket policy for all his transactions with XXX. X. XXXXXX XXXXX is XXX. XXX product guideline requires a credit score of ___XXX___. X. XXXXX is XX.XX%. XXX product guideline requires an XXXXX of ___XX___%. X. XXXXX is %. XXX product guideline requires an XXXXX of __n/a____%. X. XXXX is X.XX. XXX product guideline requires a XXXX of ___X.X___x. X. XXXXXXXXXX is XX # XXX and XXXX units. XXX product guideline requires experience of ___X___ # XXX |  |  |  | &nbsp;&nbsp;06/21/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6860932 | &nbsp;&nbsp;387 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Taxes and Insurance documentation |  | &nbsp;&nbsp;Hazard insurance is not escrowed per guidelines |  | &nbsp;&nbsp;Client approved no hazard escrow due to blanket hazard policy and XXXXXXXX XXXX borrower |  |  |  | &nbsp;&nbsp;06/21/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6859937 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Borrower is not escrowing for XXXX XXXXXX XXXXXXXXX. |  | &nbsp;&nbsp;The exception request to not escrow for XXXXXXXXX's XXXXXXXXX was granted with the following compensating factors: XXXX is a XXXXXXXX XXXX XXXXXX who has a commercial blanket policy for all his transactions with XXX. X. XXXXXX XXXXX is XXX. XXX product guideline requires a credit score of ___XXX___. X. XXXXX is XX.XX%. XXX product guideline requires an XXXXX of ___XX___%. X. XXXXX is %. XXX product guideline requires an XXXXX of __n/a____%. X. XXXX is X.XX. XXX product guideline requires a XXXX of ___X.X___x. X. XXXXXXXXXX is XX # XXX and XXXX units. XXX product guideline requires experience of ___X___ # XXX |  |  |  | &nbsp;&nbsp;06/20/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6860440 | &nbsp;&nbsp;350 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW - LTV/CLTV does not meet parameters |  | &nbsp;&nbsp;Cash out refi of leased property carries a XX% XXX--this loan is a X% XXX exception | &nbsp;&nbsp;This is a delayed purchase transaction and as such qualifies to XX% XXX |  |  | &nbsp;&nbsp;06/21/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;OH | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6865939 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Requesting to allow XXXX>X.X, XXX XXXXXXXXX gave short-term annual rental income of $XX,XXX. XXXXXX from seller has XXX which is sufficient tX cash-flow. XX $XX,XXX we are at a X.XX XXXX. XXXX on XXXXXX income is X.XX |  | &nbsp;&nbsp;UW XXXXXX XX - XXXXXX XXXXX XXXXXXX: XXXXXXXXXX to allow XXXX>X.X, XXX XXXXXXXXX gave short-term annual rental income of $XX,XXX. XXXXXX from seller has XXX which is sufficient tX cash-flow. XX $XX,XXX we are at a X.XX XXXX. XXXX on XXXXXX income is X.XX. XXXXXX XXXXX is XXX. XXXXXXXXXX required XXX, XXXXX is XX% guidelines require XX%XXXXXXXXXX is X rental units guide lines requires X. XXXX reserves $X,XXX,XXX |  |  |  | &nbsp;&nbsp;06/24/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;B | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6872059 | &nbsp;&nbsp;111 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Deed of Trust/Mortgage |  | &nbsp;&nbsp;Deed of Trust/Mortgage - Legal does not match title documents |  | &nbsp;&nbsp;Legal description XXXXXXX A attachment is blank | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;07/07/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6968472 | &nbsp;&nbsp;961 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;Appraisal |  | &nbsp;&nbsp;Appraisal - FEMA Disaster Re-certification Required |  |  | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;10/10/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6968475 | &nbsp;&nbsp;961 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;Appraisal |  | &nbsp;&nbsp;Appraisal - FEMA Disaster Re-certification Required |  |  | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;10/10/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6885034 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Missing copy of credit report from the original images. XXXXXX forward to XX once received. | &nbsp;&nbsp;document provided |  |  | &nbsp;&nbsp;07/25/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MN | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6885554 | &nbsp;&nbsp;336 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Income Other |  | &nbsp;&nbsp;Missing verification of X months deposits of short term rental income. | &nbsp;&nbsp;property approved as unleased use of short term rental purchase investment. |  | &nbsp;&nbsp;Client 07/22/2022 10:20 AM; Property qualified as unleased and used the XXXXX XXXX XXXXXX XXXXXX XXXX XXXXXX for qualifying rental income<br>Reviewer 07/22/2022 02:13 PM; deficiency cleared <br>| &nbsp;&nbsp;07/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6968497 | &nbsp;&nbsp;961 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;Appraisal |  | &nbsp;&nbsp;Appraisal - FEMA Disaster Re-certification Required |  |  | &nbsp;&nbsp;Information provided |  | &nbsp;&nbsp;Reviewer 12/14/2022 12:56 PM; Information provided.<br>| &nbsp;&nbsp;12/14/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6888113 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Missing the credit report from original images. | &nbsp;&nbsp;document provided |  |  | &nbsp;&nbsp;07/25/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;AZ | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6897718 | &nbsp;&nbsp;110 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Deed of Trust/Mortgage |  | &nbsp;&nbsp;Deed of Trust/Mortgage - legal description is missing. |  |  | &nbsp;&nbsp;Information provided |  | &nbsp;&nbsp;Client 08/06/2022 02:06 PM; legal description uploaded<br>Reviewer 08/08/2022 07:39 AM; <br>| &nbsp;&nbsp;08/08/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6901523 | &nbsp;&nbsp;272 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral |  | &nbsp;&nbsp;UW Collateral - UW - Appraisal Other |  | &nbsp;&nbsp;Appraiser noted that power lines bordering property is an incurable external obsolescence. |  | &nbsp;&nbsp;The exception was granted for the presence of a external obsolescence with the following compensating factors: X. XXXXXX XXXXX is XXX. XXX product guideline requires a credit score of ___XXX___. X. XXXXX is XX.XX%. XXX product guideline requires an XXXXX of __XX____%. X. XXXXX is %. XXX product guideline requires an XXXXX of ______%. X. XXXX is X.XX. XXX product guideline requires a XXXX of ___X.X___x. X. XXXXXXXXXX is # XXX and XXXX units. XXX product guideline requires experience of ______ # XXX |  |  |  | &nbsp;&nbsp;07/18/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6901526 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Missing the credit report | &nbsp;&nbsp;Documentation provided. |  | &nbsp;&nbsp;Client 08/06/2022 01:46 PM; Credit report was uploaded on X/X<br>Reviewer 08/08/2022 07:58 AM; Documentation provided.<br>| &nbsp;&nbsp;08/08/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6897560 | &nbsp;&nbsp;824 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Title Policy |  | &nbsp;&nbsp;Title Policy - is missing. Final ALTA title policy required. |  | &nbsp;&nbsp;Title XXXXXXXXXX missing | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;07/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6901155 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Exception XXXXXXX to not escrow for XXXXXXXXX's XXXXXXXXX for this XXXXXXXX XXXX XXXXXX who has a commercial blanket policy for all his transactions with XXX |  | &nbsp;&nbsp; XXXXXX XXXXX is XXX.LTAIV is XX.XX%.DSCR is X.XX.Experience is XX # XXX and XXXX units.Experience is XX# XXXXXX units.Cash reserves of $XXXX |  |  |  | &nbsp;&nbsp;07/18/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6901757 | &nbsp;&nbsp;387 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Taxes and Insurance documentation |  | &nbsp;&nbsp;Hazard insurance is not escrowed per guidelines | &nbsp;&nbsp;Client approved due to blanket policy in effect |  | &nbsp;&nbsp;Client 08/06/2022 04:15 PM; Client approved due to blanket policy in effect <br>Reviewer 08/08/2022 08:03 AM; Acknowledged. XXXXXX approved due to blanket policy in effect<br>| &nbsp;&nbsp;11/23/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6901758 | &nbsp;&nbsp;435 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit report is expired |  | &nbsp;&nbsp;Missing the credit report | &nbsp;&nbsp;received |  | &nbsp;&nbsp;Reviewer 08/08/2022 11:48 AM; <br>| &nbsp;&nbsp;08/08/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6901763 | &nbsp;&nbsp;851 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;There are three different signers in file for the borrowing entity. XXXXXXX a corp resolution providing for the authorized signer(s) to execute documents | &nbsp;&nbsp;received |  |  | &nbsp;&nbsp;11/17/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6924801 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Exception approved not to escrow XXX |  | &nbsp;&nbsp;Compensating factors: XXXXXXXX is a XXXXXXXX XXXX borrower and has a commercial blanket policy. XXXXXXXXXX policy provide invoices the borrower monthly due to the addition and dropping of properties due to frequent acquisition and sales. |  |  |  | &nbsp;&nbsp;08/06/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6968397 | &nbsp;&nbsp;961 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;Appraisal |  | &nbsp;&nbsp;Appraisal - FEMA Disaster Re-certification Required |  |  | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;10/10/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6924772 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Exception approved for multiple foreclosures seasoned greater than X years. |  | &nbsp;&nbsp;The borrower closed a loan with us already on XX/XX. XX owns six rental properties and is a gold borrower. XXXXXX score is XXX. |  |  |  | &nbsp;&nbsp;08/05/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MD | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6924806 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Missing credit report from original images. | &nbsp;&nbsp;Credit report provided |  | &nbsp;&nbsp;Client 08/11/2022 07:28 AM; Credit report uploaded<br>Reviewer 08/11/2022 08:56 AM; <br>| &nbsp;&nbsp;08/11/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;SC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6927425 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Exception request to not escrow for XXXXXXXXX''''s XXXXXXXXX for this XXXXXXXX XXXX XXXXXX who has a commercial blanket policy for all his transactions with XXX. |  | &nbsp;&nbsp;Credit XXXXX is XXX. XXX product guideline requires a credit score of XXX. XXXXX is XX%. XXX product guideline requires an XXXXX of XX%. XXXX is X.XX. the product guideline requires a XXXX of X.XX. XXXXXXXXXX is XX. XXXXXXXXXX is XX XXXXXX XXXXX. XXXX XXXXXXXX of $XXXX (may not include any cash out proceeds related to the subject loan. |  |  |  | &nbsp;&nbsp;08/10/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6968498 | &nbsp;&nbsp;961 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;Appraisal |  | &nbsp;&nbsp;Appraisal - FEMA Disaster Re-certification Required |  |  | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6952455 | &nbsp;&nbsp;851 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;REQUESTED XXXXXXXXX XXXXXXXXX XXXXX XXXXXXXXX ordered by another lender, XXXXXXXXX was ordered by XXXX local to the subject property called XXXXXX XXXX. XXXX appraisal appears to meet the parameter we normally require |  | &nbsp;&nbsp;COMPENSATING XXXXXXX: XXXXX XX%, XXXXXXXXXX in X XXX and XXXX XXXXX and X XXXXXX units. XXXXXXXX has X rental units currently, not counting the purchase XXXX loans we''''ve done for them recently , and two unrelated sold flips,, XX''''ve done XXXXXX and XXXXXX for them in the last couple months both are still in payment escrows,, property is in good condition and qualifies using XXXX with P |  |  |  | &nbsp;&nbsp;09/13/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MN | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6952462 | &nbsp;&nbsp;851 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;REQUESTED XXXXXXXXX XXXXXXXXX XXXXXXX middle credit score XXX,,,this is a repeat platnum level borrower with almost the entirety of her rental portfolio in the same area as the subject property,,, XXX has a XXX mid score which as of today means that she is under our minimum XXX,, XX credit points is more than offset by this borrowers experience ,, we are qualifying at XX% of the XXXX rent. |  | &nbsp;&nbsp;COMPENSATING XXXXXXX: credit score is XXX, XXXXX XX.X, XXXX X, XXXXXXXXXX X fix and flip units, XXXXXXXXXX is X rental units.. XXXX is a platinum level borrower with many currently owned rentals showcasing alot of experience, XXX rental experience is largely in minneapolis and the surrounding area and the subject property is in minneapolis , we are qualifying based on XX% of XXXX rent. XXXXXXXX has closed these loans with us XXXX-XXXXXX-XXXX-XXXXXX they are still in payment escrows-the only item wrong with her credit is a medical collection.,, borrower is not a max leverage borrower is at XX.XX% XXX, borrower is at X.XXX% paying four points nowhere near our minimum coupon |  |  |  | &nbsp;&nbsp;09/13/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MN | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6948796 | &nbsp;&nbsp;110 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Deed of Trust/Mortgage |  | &nbsp;&nbsp;Deed of Trust/Mortgage - legal description is missing. |  |  |  |  |  | &nbsp;&nbsp;10/28/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6948797 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Loan closed in an XXX. XXXXXXX evidence that the person signing the XXXX, XXXXXXX XXXXXXXXXXX is an authorized signer for the entity. |  |  |  | &nbsp;&nbsp;10/28/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984018 | &nbsp;&nbsp;110 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Deed of Trust/Mortgage |  | &nbsp;&nbsp;Deed of Trust/Mortgage - legal description is missing. |  | &nbsp;&nbsp;Legal description page is blank. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;SC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984122 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;The XXXXXX XXXXXXXXX XXXXXX did not reflect any premium amount. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984152 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Evidence that the XXXX signer was an authorized signer was not found in the file. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984329 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Provide satisfactory documentation confirming that XXXXXXXXX XXX is an authorized signor for XXXX of XX XXX. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984150 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;The XXXXXX XXXXXXXXX XXXXXX did not reflect any premium amount. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6985000 | &nbsp;&nbsp;861 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Note |  | &nbsp;&nbsp;Note - Other: |  | &nbsp;&nbsp;Provide satisfactory documentation confirming that XXXXXXX XXXXXXXXXXX is an authorized signor for XXXX of XX XXX. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MO | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984740 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Provide satisfactory documentation confirming that XXXXXXX XXXXXXXXXXX is an authorized signor for XXXX of XX XXX. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;SC | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984173 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Evidence that the XXXX signer was an authorized signer was not found in the file. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MO | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984175 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;The XXXXXX XXXXXXXXX XXXXXX did not reflect any premium amount. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MO | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7003363 | &nbsp;&nbsp;851 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;min loan amount is XXX, subject is XX,XXX |  | &nbsp;&nbsp;Compensating factors; XXXXXX score XXX, XXXXX is XX.XX mas is XX experienced investor XXX units. |  |  |  | &nbsp;&nbsp;11/17/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MO | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984197 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Evidence that the XXXX signer was an authorized signer was not found in the file. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MO | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984199 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;The XXXXXX XXXXXXXXX XXXXXX did not reflect any premium amount. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MO | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6985890 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Exception XXXXXXX to not escrow for XXXXXXXXX's XXXXXXXXX for this XXXXXXXX XXXX XXXXXX who has a commercial blanket policy for all his transactions with XXX. |  | &nbsp;&nbsp;The exception to not escrow for homeowners insurance was granted with the following compensating factors: X. XXXXXX XXXXX is XXX. XXX product guideline requires a credit score of XXX. X. XXXXX is XX.XX%. XXX product guideline requires an XXXXX of XX%. X. XXXXX is %. XXX product guideline requires an XXXXX of n/a%. X. XXXX is X.XX. XXX product guideline requires a XXXX of X.Xx. X. XXXXXXXXXX is XX # XXX and XXXX units. XXX product guideline requires experience of XX# XXX |  |  |  | &nbsp;&nbsp;10/27/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984214 | &nbsp;&nbsp;875 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Disclosure |  | &nbsp;&nbsp;Disclosure - Other: |  | &nbsp;&nbsp;The business purpose affidavit does not specify the property address. XXXXXX provide signed and dated business purpose affidavit listing the property address; XXXX XXXXXXXX XXXXX, XXXXXXXX, XX XXXXX. | &nbsp;&nbsp;Located copy with required information. XXXXXX disregard; my apologies. |  |  | &nbsp;&nbsp;10/26/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984215 | &nbsp;&nbsp;219 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;HUD1 |  | &nbsp;&nbsp;HUD1 - Final HUD-1 is missing |  | &nbsp;&nbsp;Executed copy of final XXXX/XXXXXXXXXX XXXXXXXXX not in file; please upload. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984216 | &nbsp;&nbsp;861 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Note |  | &nbsp;&nbsp;Note - Other: |  | &nbsp;&nbsp;The XXXX is signed by XXXXXX XXXXX. XXX XXX XXXXXXXXXXX for XXXXX XXXXXXX XXXX XXX list the authorized representative of the company as XXXXXX XXXXX. XXXXXX provide evidence the XX. XXXXX is the authorized party XX. "XXXXX" (or, if it is not a typo and it is in fact another person, then please provide proof XX. "XXXXX" is authorized to sign for XXXXX XXXXXXXX XXXXX XXX). |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984217 | &nbsp;&nbsp;688 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Title Commitment |  | &nbsp;&nbsp;Title Commitment - Compliance \ Title Commitment - If purchase, current owner must match current owner on Appraisal and Sales Contract |  | &nbsp;&nbsp;Title commitment is not in the file; please upload. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984337 | &nbsp;&nbsp;9 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Application |  | &nbsp;&nbsp;Application - is missing |  | &nbsp;&nbsp;No application found in file, please provide application for XXXXX XXXXXXX. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984342 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;Hazard insurance is missing premium. XXXXXX provide proof of insurance with premium. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984344 | &nbsp;&nbsp;961 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;Appraisal |  | &nbsp;&nbsp;Appraisal - FEMA Disaster Re-certification Required |  | &nbsp;&nbsp;Appraisal was done on XX/XX/XXXX which occurred before XXXXXXXXX and XXX and this county is declared a disaster area. XXXXXX provide a disaster inspection report dated after XX/XX/XXXX. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984237 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;The XXXXXX XXXXXXXXX XXXXXX did not reflect any premium amount. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984381 | &nbsp;&nbsp;185 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Flood Certificate |  | &nbsp;&nbsp;Flood Certificate - Flood insurance is required - Flood policy missing |  | &nbsp;&nbsp;A XXXXX XXXXXXXXX XXXXXX or XXXXXXXXXXX was not found in the file. XXXX a quote was found. XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXX or XXXXXX. | &nbsp;&nbsp;Per XX guidleines: he minimum amount of flood insurance required for XXXXX mortgages secured by one- to four-unit properties, individual XXX units, and certain individual condominium units (such as those in detached condominiums, townhouses, or rowhouses) is the lowest of: oXXX% of the estimated cost new, as established by either: |  | &nbsp;&nbsp;Reviewer 11/18/2022 11:52 AM; Flood policy coverage amount reflects $XXX,XXX and does not cover the loan amount of $XXX,XXX. <br>Client 11/22/2022 12:42 PM; Our requirements are the lesser of the loan amount or the cost to build new. XXX the appraisal the cost to build new is $XXX,XXX, so $XXX,XXX coverage should be fine. <br>Reviewer 11/22/2022 01:13 PM; <br>Reviewer 11/22/2022 01:13 PM; Hello, XXXXXXXXX has been cleared. XXXXX you<br>| &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984384 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Provide satisfactory documentation confirming that XXXXXX J XXXXXXX is an authorized signor for XXXX of XX XXX. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984357 | &nbsp;&nbsp;959 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | &nbsp;&nbsp;Final XXXX shows escrows were collected at closing. XX XXXXX in file. XXXXX is required; please upload. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NC | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984358 | &nbsp;&nbsp;861 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Note |  | &nbsp;&nbsp;Note - Other: |  | &nbsp;&nbsp;The XXXX is signed by XXXXXXX XXXXXXXXXXX as authorized signatory of XX XXXX XXXXXX XXXXXXXX of XX, XXX. XXXXXXX, the "XXXX XXXXXX" listed under XX XXXX XXXXXX XXXXXXXX of XX XXX is XXXXXXXXX, XXX. XXXXXX provide evidence that XXXXXXX XXXXXXXXXXX is authorized to sign on behalf of XX XXXX XXXXXX XXXXXXXX of XX, XXX. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NC | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984697 | &nbsp;&nbsp;861 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Note |  | &nbsp;&nbsp;Note - Other: |  | &nbsp;&nbsp;Please provide evidence the person who signed the XXXX, XXXXXXX XXXXXXXXXXX, is authorized to sign on behalf of XX XXXX XXXXXX XXXX I, XXX. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NY | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984467 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Provide satisfactory documentation confirming that XXXXXXXXX XXX is an authorized signor for XXXX of XX XXX. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984471 | &nbsp;&nbsp;110 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Deed of Trust/Mortgage |  | &nbsp;&nbsp;Deed of Trust/Mortgage - legal description is missing. |  | &nbsp;&nbsp;Legal description is blank, please provide legal description that is supposed to be attached to the deed. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984472 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;Premium amount is missing from hazard insurance, please provide proof of insurance with premium included. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984438 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Provide satisfactory documentation confirming that XXXXXXX XXXXXXXXXXX is an authorized signor for XXXX of XX XXX. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;AZ | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984043 | &nbsp;&nbsp;110 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Deed of Trust/Mortgage |  | &nbsp;&nbsp;Deed of Trust/Mortgage - legal description is missing. |  | &nbsp;&nbsp;Exhibit A legal description is blank. XXXXXX provide the exhibit A legal description to go with the deed. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;AZ | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984044 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;Hazard insurance does not include premium, please provide hazard insurance with premium shown. |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;AZ | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984114 | &nbsp;&nbsp;110 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Deed of Trust/Mortgage |  | &nbsp;&nbsp;Deed of Trust/Mortgage - legal description is missing. |  |  |  |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TN | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;6984047 | &nbsp;&nbsp;110 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Deed of Trust/Mortgage |  | &nbsp;&nbsp;Deed of Trust/Mortgage - legal description is missing. |  |  | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;RI | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7002976 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Provide satisfactory documentation confirming that XXXXX XXXXXXXX is an authorized signor for XXXX of XX XXX. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7002977 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;Premium is not on hazard insurance, please provide proof of insurance with premium. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7002947 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;Policy premium is not included, please provide hazard insurance with policy premium. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;OH | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7002948 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Provide satisfactory documentation confirming that XXXXXXX XXXXXXXXXXX is an authorized signor for XX XXXX XXXXXX XXXX I, XXX | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;OH | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7002817 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Provide satisfactory documentation confirming that XXXXXXX XXXXXXXXXXX is an authorized signor for XX XXXX XXXXXX XXXX I, XXX. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MO | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7002818 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;The XXXXXX XXXXXXXXX XXXXXX did not reflect any premium amount. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MO | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7004180 | &nbsp;&nbsp;851 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;Exception request to not escrow for homeowner''''''''s insurance for this platinum plus client who has a commercial blanket policy for all his transactions with XXX. XXXXXXXXXXXX XXXXXXX- XXXXXX score is XXX, XXX is XX%, XXXX X.XX, experience is XX fix and flip units, experience is XX rental units, cash reserves of $XXXX. |  | &nbsp;&nbsp;Compensating XXXXXXX- XXXXXX score is XXX, XXX is XX%, XXXX X.XX, experience is XX fix and flip units, experience is XX rental units, cash reserves of $XXXX. |  |  |  | &nbsp;&nbsp;11/17/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7005400 | &nbsp;&nbsp;998 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Other |  | &nbsp;&nbsp;UW Other - UW - Title Commitment is missing or requires correction. |  | &nbsp;&nbsp;Title XXXXXXXXXX missing. | &nbsp;&nbsp;received |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7003016 | &nbsp;&nbsp;851 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;Guidelines require one open mortgage tradelines for a minimum of XX months. XXXXXX report shows no mortgages rated and there are no XXX''''s provided from private party lenders. |  | &nbsp;&nbsp;Compensating factors; credit score is XXX the product guideline requires a credit score of XXX. XXXXX is XX.XX% XXX product guideline requires an XXXXX of XX%. XXXX is X.XX guideline requires min of X |  |  |  | &nbsp;&nbsp;11/16/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7002833 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Provide satisfactory documentation confirming that XXXXXXX XXXXXXXXXXX is an authorized signor for XX XXXX XXXXXX XXXXXXXX of XX, XXX. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TN | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7002834 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;The XXXXXX XXXXXXXXX XXXXXX did not reflect any premium amount. | &nbsp;&nbsp;Information provided |  | &nbsp;&nbsp;Client 11/28/2022 11:07 AM; HOI premium was uploaded on XX/XX<br>Reviewer 11/28/2022 11:53 AM; <br>Reviewer 11/28/2022 12:55 PM; Hello, XXXXXXXXX has been cleared. XXXXX you<br>| &nbsp;&nbsp;11/28/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TN | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7004271 | &nbsp;&nbsp;861 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Note |  | &nbsp;&nbsp;Note - Other: |  | &nbsp;&nbsp;Provide satisfactory documentation confirming that XXXXXXX XXXXXXXXXXX is an authorized signor for XX XXXX XXXXXX XXXXXXXX of XX, XXX. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7004275 | &nbsp;&nbsp;861 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Note |  | &nbsp;&nbsp;Note - Other: |  | &nbsp;&nbsp;Provide satisfactory documentation confirming that XXXXXXX XXXXXXXXXXX is an authorized signor for XXXX of XX XXX | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/21/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;AZ | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7003485 | &nbsp;&nbsp;356 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW - Not Authorized |  | &nbsp;&nbsp;Missing a XXXXXXXXX XXXXXXXXXX providing for the "authorized signer" to execute the documents |  |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7002692 | &nbsp;&nbsp;110 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Deed of Trust/Mortgage |  | &nbsp;&nbsp;Deed of Trust/Mortgage - legal description is missing. |  |  | &nbsp;&nbsp;Per client via escalations, the XXX was recorded originally w/ the legal description. |  | &nbsp;&nbsp;Reviewer 11/22/2022 11:31 AM; Received the XXX/dot with legal. XXXX a letter of intent to re-record along or evidence the legal was attached at the time of recording. <br>Client 11/28/2022 11:05 AM; The XXX that was uploaded was recorded and had the legal attached. XXXXXXX further should be needed. XXXXXX clear the exception. <br>Reviewer 11/28/2022 11:53 AM; <br>Reviewer 11/28/2022 12:51 PM; Hello, XXXX has been cleared. XXXXX you<br>| &nbsp;&nbsp;11/28/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7002741 | &nbsp;&nbsp;110 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Deed of Trust/Mortgage |  | &nbsp;&nbsp;Deed of Trust/Mortgage - legal description is missing. |  | &nbsp;&nbsp;Attached legal description page is blank. | &nbsp;&nbsp;Email from title company provided by client confirming dot was being recorded with the legal description |  | &nbsp;&nbsp;Reviewer 11/22/2022 12:34 PM; Received mtg with legal. XXXXX need a letter of intent to re-record. XX evidence the mtg/dot was recorded with legal attached. <br>Client 11/28/2022 11:04 AM; Email below from the attachment provided showing title intent to record the XXX with the legal. XXXXXX clear the exception. XXXXXXXX XXXXX <br> Hi, <br>Please see the attached. <br>XX XXXXXX <br> Pre-XXXXXX/ XXXXXX <br> O: (XXX) XXX-XXXX\| D: (XXX) XXX-XXXX \| F: (XXX) XXX-XXXX <br> XX <br>Reviewer 11/28/2022 11:53 AM; <br>Reviewer 11/28/2022 12:50 PM; Hello, XXXXXX upload email you are referring to as a XXX. XX have no documentation in file regarding intent to re-record and escalation comments do not follow the loan file. XXXXX you. <br>| &nbsp;&nbsp;11/29/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7023318 | &nbsp;&nbsp;272 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral |  | &nbsp;&nbsp;UW Collateral - UW - Appraisal Other |  | &nbsp;&nbsp;Fitch only - XXX missing confidence score as required. | &nbsp;&nbsp;Valuation provided with acceptable XXX. |  |  | &nbsp;&nbsp;12/12/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7023315 | &nbsp;&nbsp;272 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral |  | &nbsp;&nbsp;UW Collateral - UW - Appraisal Other |  | &nbsp;&nbsp;Fitch XXXX - XXX XXX falls below minimum requirement of .XX at X.XX. | &nbsp;&nbsp;Fitch requirement only. |  |  | &nbsp;&nbsp;12/12/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;OH | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7003401 | &nbsp;&nbsp;851 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;Missing a XXXXXXXX XXXXXXXX | &nbsp;&nbsp;received |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;OH | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7003422 | &nbsp;&nbsp;110 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Deed of Trust/Mortgage |  | &nbsp;&nbsp;Deed of Trust/Mortgage - legal description is missing. |  | &nbsp;&nbsp;Page XX of the XXXXXXXX stats it is the legal description, but the page is blank. XXXXXX provide corrected XXXXXXXX along with a letter of intent to re-record. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/28/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;OH | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7003017 | &nbsp;&nbsp;861 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Note |  | &nbsp;&nbsp;Note - Other: |  | &nbsp;&nbsp;The XXXX was signed by XXXXXXX XXXXXXXXXXX on behalf of XX XXXX XXXXXX XXXX I, XXX. XXX XXXXXXXXX XXXXXXXXX for XX XXXX XXXXXX XXXX I, XXX lists XXXXXXXXX, XXX. as the sole member. XXXXXX provide evidence XXXXXXX XXXXXXXXXXX is authorized to sign on behalf of XX XXXX XXXXXX XXXX I, XXX. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;OH | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7002865 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;Policy does not include premium amount, please provide updated proof of insurance with premium amount included. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;IN | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7002879 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Provide satisfactory documentation confirming that XXXXXXX XXXXXXXXXXX is an authorized signor for XX XXXX XXXXXX XXXXXXXX of XX, XXX | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;IN | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7002880 | &nbsp;&nbsp;101 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Deed of Trust/Mortgage |  | &nbsp;&nbsp;Deed of Trust/Mortgage - County does not matches legal description |  | &nbsp;&nbsp;Legal XXXXXXXXXXX is missing, exhibit A is blank, please provide legal description. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;IN | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7005053 | &nbsp;&nbsp;868 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - Other: |  | &nbsp;&nbsp;The XXXXXX XXXXXXXXX XXXXXX did not reflect any premium amount. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;7005062 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Provide satisfactory documentation confirming that XXXXXXX XXXXXXXXXXX is an authorized signor for XX XXXX XXXXXX XXXX I, XXX. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;GA | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;6983806 | &nbsp;&nbsp;884 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  |  |  |  | &nbsp;&nbsp;10/27/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NJ | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;6988278 | &nbsp;&nbsp;958 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - First Payment Letter Other |  | &nbsp;&nbsp;XXXXX payment letter does not match final XX, XXXXXX provide XXXXX payment letter with the payment amount of $X,XXX.XX | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/07/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;IL | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;6988279 | &nbsp;&nbsp;959 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | &nbsp;&nbsp;Initial XXXXXX account disclosure does not match final XX - XXXXXX provide initial escrow account disclosure with XXXXXXXX amount of $X,XXX.XX. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/07/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;IL | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;6988422 | &nbsp;&nbsp;986 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | &nbsp;&nbsp;Missing evidence of borrower's e-consent on or prior to earliest e-signature event date of XX/XX/XXXX. |  |  |  | &nbsp;&nbsp;11/02/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;IL | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;6990934 | &nbsp;&nbsp;898 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - TRID- Fee Tolerance Violation |  | &nbsp;&nbsp;Zero tolerance violation due to increase in XXX XXXXXXXXXX XXX with no valid coc. XXXXXX provide proof of $XXX.XX refund along with letter of explanation to borrower and XXXX reflecting cure. XXX must be issued within XX days of consummation. XXX to borrower and evidence of payment shipped is required. |  |  |  |  | &nbsp;&nbsp;11/10/2022 |  | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;6990935 | &nbsp;&nbsp;902 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  |  |  |  | &nbsp;&nbsp;11/10/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;6995441 | &nbsp;&nbsp;851 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;Non XXXXXXXXXXX XXXXX |  | &nbsp;&nbsp;Compensating XXXXXXX: XXXX XXXX XXXX XXXXXXXXX. XXXXXXXXXXX property manager. XXX XXX. |  |  |  | &nbsp;&nbsp;11/09/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;CO | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;6995517 | &nbsp;&nbsp;1108 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral TPR |  | &nbsp;&nbsp;UW Collateral TPR - UW - Second collateral evaluation is required. |  |  |  |  |  | &nbsp;&nbsp;11/09/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;CO | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;6997957 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Deviation XXXXX term rental income on subject requires min X mths seasoning. XXXXX term rental income with X mths seasoning approved by XXX XX XXXX as XXXX as all other XXX are met including appraisal requirements. XXXXXXXX using unofficial XXXXXX printout for proof of rents rec''''d with XXXX stmts backing up net deposits. XXXX used XXXX term annual rents with final assigned market rent of $XXXX which is higher than the net being used with documented receipt of income. |  | &nbsp;&nbsp;Compensating factors: XXX XXXX XXX; X mts, XX install, XX rev, XX% rev lim avail-not a credit abuser, good credit, exc XXX mth mtg history, XX yrs on same job, owned prim res since XXXX. |  |  |  | &nbsp;&nbsp;11/11/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;VA | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7001532 | &nbsp;&nbsp;850 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Escalated for 2nd review. |  | &nbsp;&nbsp;GUIDELINES XXX XXXXX term rental condos/condotels require XX mgmt approval; XXX high rise condos require XX mgmt approval XXXXXXXXX XXXXXXXX XXXX rise condos approved by XX mgmt, XX mgmt approved short term rents with .XX%pts to XXX for the exception |  | &nbsp;&nbsp;COMPENSATING XXXXXXX: XXX XXXX XXX, XX install, XX rev, XX% rev lim avail-not a credit abuser, exc credit, XXXXXX exc mtg history, reserves after closing XXXXX: experienced investor, borrower is experienced. XXXXXXXX working for current employer for X years with XX |  |  |  | &nbsp;&nbsp;11/15/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;6999663 | &nbsp;&nbsp;335 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Income Calculation Incorrect |  | &nbsp;&nbsp;Borrower received income through variable wages of base, bonus and commission earnings. XXXXXXXXXX required an average of the earnings are used to calculate qualifying income. XXXXXX was calculated using the most recent X.X months of variable earnings based on the borrowers new position. |  | &nbsp;&nbsp;Compensating XXXXXXX: XX year credit depth, X XXXXX XXXXXX XXXXXXXXX, XXXXXXXX XXXXXX of $X,XXX. XX mgmt has approved the use of most recent X.X months of income being received from current employer which contains variable pay. |  |  |  | &nbsp;&nbsp;11/14/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;6997563 | &nbsp;&nbsp;884 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/14/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;6997564 | &nbsp;&nbsp;895 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | &nbsp;&nbsp;Need initial XX issued and rec''''d at least X days prior to closing date of XX/XX. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/14/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;6998089 | &nbsp;&nbsp;186 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Flood Certificate |  | &nbsp;&nbsp;Flood Certificate - Certificate is not "Life of Loan " |  | &nbsp;&nbsp;Flood cert is basic determination, please provide flood certification that is life of loan. |  |  |  | &nbsp;&nbsp;11/14/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7001350 | &nbsp;&nbsp;986 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | &nbsp;&nbsp;Missing evidence of borrower's e-consent on or prior to earliest e-signature event date of XX/XX/XXXX. |  |  |  | &nbsp;&nbsp;11/15/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;UT | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7001418 | &nbsp;&nbsp;327 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Satisfactory 12 mth Rental |  | &nbsp;&nbsp;Provide copies of cancelled checks for rent payments made from XXXXX to XXXXXXXX XXXX as required per the guidelines. | &nbsp;&nbsp;received |  |  | &nbsp;&nbsp;11/15/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;UT | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7001419 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Provide updated XXXX and loan approval reflecting XX XXXXX rev debt of $XX/month as reported on the XXXXXXXX XXXX asset statements and XX XXXXXXXX card on credit report of $XX/month. XXXXX consumer debt is $XXX/month and resulting XXX is XX.XXX% |  |  |  | &nbsp;&nbsp;12/13/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;UT | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7001421 | &nbsp;&nbsp;397 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Inquiries not properly addressed |  | &nbsp;&nbsp;Provide letter of explanation for credit inquiries on X/XX/XXXX with XXXXXXXX XXXXXXX XX and on X/XX/XXXX with XXXXXX. |  |  |  | &nbsp;&nbsp;12/13/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;UT | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7002303 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Provide XXX-XXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXXX as required. |  | &nbsp;&nbsp;out of scope |  |  |  | &nbsp;&nbsp;11/17/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7002304 | &nbsp;&nbsp;387 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Taxes and Insurance documentation |  | &nbsp;&nbsp;Provide updated XXX policy with correct mortgagee clause per XXXXXXXX guidelines. | &nbsp;&nbsp;Documentation provided is sufficient. |  | &nbsp;&nbsp;Client 11/16/2022 03:58 PM; Per guidelines for hazard insurance: XX loan closing, a current insurance binder or assignment must show the mortgagee clause as: <br> XX XXXX XXXXXXXXXX XXXX XXX <br> ISAOA/XXXXX <br> P.O. XXX XXXXXX XXX XXXXXXX, XX XXXXX-XXXX. XXXXXX.<br>Reviewer 11/17/2022 11:54 AM; Documentation provided is sufficient.<br>| &nbsp;&nbsp;11/17/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7002312 | &nbsp;&nbsp;320 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Assets |  | &nbsp;&nbsp;UW Assets - UW - Asset Other |  | &nbsp;&nbsp;Provide updated XXX XXXX statement showing the withdrawal of the $XXX,XXX.XX funds for closing from the borrower's X existing XXXXX loans where the funds were obtained. | &nbsp;&nbsp;HELOC statement received |  |  | &nbsp;&nbsp;11/23/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7004008 | &nbsp;&nbsp;328 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Satisfactory 12 mth Mortgage |  | &nbsp;&nbsp;Provide verification the XXXXXXX XXXX mortgage payment with XXXXXXXXXX was made for the borrower's primary residence. | &nbsp;&nbsp;received |  |  | &nbsp;&nbsp;11/18/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7004523 | &nbsp;&nbsp;1006 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Approval |  | &nbsp;&nbsp;UW Approval - UW Approval - 1008 or 92900 LT missing |  | &nbsp;&nbsp;missing final approval loan summary | &nbsp;&nbsp;Loan XXXXXXXX provided XX XXXXXXXXXX |  | &nbsp;&nbsp;Reviewer 11/18/2022 08:30 PM; Document received did not include the XXXX or XXXXX XX<br>| &nbsp;&nbsp;11/21/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7003345 | &nbsp;&nbsp;201 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - is missing. |  |  | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/17/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7003586 | &nbsp;&nbsp;387 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Taxes and Insurance documentation |  | &nbsp;&nbsp;The XXX policy is missing from the loan file. |  |  |  | &nbsp;&nbsp;11/17/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TN | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7003587 | &nbsp;&nbsp;397 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Inquiries not properly addressed |  | &nbsp;&nbsp;Provide letter of explanation for credit inquiries on X/XX/XXXX, X/XX/XXXX and X/XX/XXXX with XXXXXX. | &nbsp;&nbsp;All inquiries are due to this transaction |  | &nbsp;&nbsp;Client 11/17/2022 12:34 PM; All inquiries related to this loan transaction. XXXXXX.<br>Reviewer 11/17/2022 01:00 PM; Condition has been cleared XXXXX you <br>| &nbsp;&nbsp;11/17/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TN | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7003773 | &nbsp;&nbsp;973 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - CD- Other |  | &nbsp;&nbsp;This loan failed the higher-priced mortgage loan required escrow account test. (XX XXX §XXXX.XX(b)) XXXX loan fails to collect reserves for either XXX payment of homeowner''''s insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, or XXX loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; or XXX payment of property taxes for condominium, or high rise condominium, or planned unit development. XXXXXX as provided in XXXX.XX(b)(X) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a XXXXX lien on a consumer''''s principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer''''s default or other credit loss. | &nbsp;&nbsp;updated pricing date based on coc and expired initial pricing using XX/X rate set date |  |  | &nbsp;&nbsp;11/18/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TN | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7003248 | &nbsp;&nbsp;884 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/18/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TN | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7003249 | &nbsp;&nbsp;895 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | &nbsp;&nbsp;Initial XX is missing. XXXXXX provide. |  |  |  | &nbsp;&nbsp;11/17/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TN | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7003266 | &nbsp;&nbsp;201 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - is missing. |  | &nbsp;&nbsp;Hazard XXXXXXXXX is missing. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/17/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TN | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7003252 | &nbsp;&nbsp;861 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Note |  | &nbsp;&nbsp;Note - Other: |  | &nbsp;&nbsp;Prepayment penalty addendum is missing prepayment penalty structure. | &nbsp;&nbsp;Per client : there is no prepayment penalty on this loan. XXXXXXXXX by final signed XX also saying XX. |  | &nbsp;&nbsp;Client 11/17/2022 10:25 AM; HI, there is no prepayment penalty on this loan. XXXXXXXXX by final signed XX also saying XX. XXXXXX.<br>Reviewer 11/17/2022 10:29 AM; <br>Reviewer 11/17/2022 11:28 AM; Hello, XXXX has been cleared. XXXXX you!<br>| &nbsp;&nbsp;11/17/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NJ | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7003241 | &nbsp;&nbsp;201 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - is missing. |  | &nbsp;&nbsp;Hazard XXXXXXXXX is missing | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/18/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NJ | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7004342 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Provide XXX-XXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXXX as required. | &nbsp;&nbsp;received |  |  | &nbsp;&nbsp;11/18/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NJ | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7004964 | &nbsp;&nbsp;1006 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Approval |  | &nbsp;&nbsp;UW Approval - UW Approval - 1008 or 92900 LT missing |  | &nbsp;&nbsp;missing loan summary and final approval | &nbsp;&nbsp;received |  |  | &nbsp;&nbsp;11/20/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;CA | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7005425 | &nbsp;&nbsp;851 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;\* XXXXXXXXX for payment shock of X.XXx with XXX less than XX%. XXXXXXXXXXXX XXXXXXX- XXXXXXXX has been an electrician for X years and has owned his own business for X years earning stable income, XXX XXXX with XX years of excellent consumer credit. |  | &nbsp;&nbsp;Compensating XXXXXXX- XXXXXXXX has been an electrician for X years and has owned his own business for X years earning stable income, XXX XXXX with XX years of excellent consumer credit. |  |  |  | &nbsp;&nbsp;11/20/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;IL | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7007219 | &nbsp;&nbsp;1006 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Approval |  | &nbsp;&nbsp;UW Approval - UW Approval - 1008 or 92900 LT missing |  | &nbsp;&nbsp;missing final loan summary approval | &nbsp;&nbsp;received |  |  | &nbsp;&nbsp;11/21/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;CA | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7005385 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Provide XXX-XXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXXX as required. | &nbsp;&nbsp;received |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;SC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7005387 | &nbsp;&nbsp;320 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Assets |  | &nbsp;&nbsp;UW Assets - UW - Asset Other |  | &nbsp;&nbsp;Provide XXXX XXXXXXXX agreement for the use of funds for the subject loan transaction, as required by the guidelines. |  |  | &nbsp;&nbsp;Reviewer 11/29/2022 08:32 PM; the document received did not include the XXXX XXXXXXXX XXXXXXXXX<br>Client 11/30/2022 12:27 PM; Hi, borrower had XXXX exchange funds available which he was going to use towards the purchase of X investment properties but used all the proceeds for our subject investment property. XXXX is the evidence we have provided via uploaded documents. XXXXXX escalate if needed or clear. XXXXXX. <br>Reviewer 11/30/2022 12:51 PM; Documentation provided is sufficient.<br>| &nbsp;&nbsp;11/30/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;SC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7005388 | &nbsp;&nbsp;387 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Taxes and Insurance documentation |  | &nbsp;&nbsp;Provide hazard insurance rating documentation for XXXXXXXX XXXXXX | &nbsp;&nbsp;received |  | &nbsp;&nbsp;Reviewer 11/20/2022 09:06 PM; The document received did not include the insurance rating<br>| &nbsp;&nbsp;11/21/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;SC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7005069 | &nbsp;&nbsp;201 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - is missing. |  |  | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/19/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;SC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7005221 | &nbsp;&nbsp;215 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;HUD1 |  | &nbsp;&nbsp;HUD1 - HUD1 Other |  | &nbsp;&nbsp;There are three XXXXXXX XXXXXXXXXXX all dated XX/XX/XXXX and all executed by the borrower at closing. XXX XXXXX XXXXXXX XXXXX and funds paid to the borrower at closing differ on each disclosure. XXXXXX verify which XXXXXXX XXXXXXXXXX displays accurate figures. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/21/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7006509 | &nbsp;&nbsp;320 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Assets |  | &nbsp;&nbsp;UW Assets - UW - Asset Other |  | &nbsp;&nbsp;Provide updated letter of explanation for cash proceeds. XX unsigned letter was provided indicating the borrower will use his proceeds to upgrade his home and not specific to the subject property. XXXX proceeds for loans under the XXXXXXXX XXXX XXXX program must be used for business, commercial or agricultural purposes. | &nbsp;&nbsp;LOE received dated XX/X/XXXX |  | &nbsp;&nbsp;Reviewer 11/30/2022 11:15 AM; Did not receive an updated letter of explanation for cash proceeds.<br>| &nbsp;&nbsp;12/07/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7007662 | &nbsp;&nbsp;851 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;borrower self employment less than two years, using less than XX months XXXX statements to determine income from XX month XXXX statement program. |  | &nbsp;&nbsp;Guidelines require minimum of two years S/E, borrower S/E XX months. XXXXXXXXXXXX factors; XX% XXX, XX residual income |  |  |  | &nbsp;&nbsp;11/22/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MA | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7007674 | &nbsp;&nbsp;384 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Self-Employment status required |  | &nbsp;&nbsp;CPA authentication to be verified, verify business, and phone number w/XXX directory assistance verification. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MA | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7007266 | &nbsp;&nbsp;201 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance |  | &nbsp;&nbsp;Hazard Insurance - is missing. |  | &nbsp;&nbsp;Hazard insurance is missing from file, please provide proof of current hazard insurance | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MA | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7007964 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;supply final loan approval | &nbsp;&nbsp;Loan XXXXXXXX provided XX XXXXXXXXXX |  |  | &nbsp;&nbsp;11/23/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;2 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7010451 | &nbsp;&nbsp;272 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral |  | &nbsp;&nbsp;UW Collateral - UW - Appraisal Other |  | &nbsp;&nbsp;Appraisal is not in XXX name nor approved by XXX. |  | &nbsp;&nbsp;The exception was granted for the XXXXXXXXX, not in XXX''''s name with the following compensating factors: XXXX cash down payments; good credit, not a credit abuser; XXXXXXXXX credit, and not derogatory credit on the credit bureau. |  |  |  | &nbsp;&nbsp;11/26/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |  | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;A |  | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;6998116 | &nbsp;&nbsp;186 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Flood Certificate |  | &nbsp;&nbsp;Flood Certificate - Certificate is not "Life of Loan " |  | &nbsp;&nbsp;Flood cert is basic determination, please provide flood cert that is life of loan. | &nbsp;&nbsp;Information provided |  | &nbsp;&nbsp;Client 11/16/2022 12:14 PM; Updated XXXXX cert uploaded XX/XX. XXXXXX clear. <br>Reviewer 11/16/2022 12:43 PM; Good XXXXXXX, XXXX has been cleared. XXXXX you!<br>Reviewer 11/16/2022 12:44 PM; <br>| &nbsp;&nbsp;11/16/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7001422 | &nbsp;&nbsp;395 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Derogatory Credit explanation required |  | &nbsp;&nbsp;Provide letter of explanation for X\*XX, X\*XX and X\*XX derogatory consumer debt identified on the credit report. | &nbsp;&nbsp;Not considered significant derogatory credit |  | &nbsp;&nbsp;Client 12/13/2022 12:05 PM; We only require an XXX for significant derogatory credit. XX did not consider the XXXX, XXXX or XXXX mentioned as significant since it was on a revolving account with a $XXX limit. XXXXXXX XX analysis reflects XX comments on the derogatory credit. XXXXXX. <br>Reviewer 12/13/2022 01:40 PM; Condition has been cleared XXXXX you <br>| &nbsp;&nbsp;12/13/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;UT | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7003251 | &nbsp;&nbsp;862 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Deed of Trust/Mortgage |  | &nbsp;&nbsp;Deed of Trust/Mortgage - Other: |  | &nbsp;&nbsp;Prepayment penalty rider is missing prepayment penalty structure. | &nbsp;&nbsp;Per client : there is no prepayment penalty on this loan. XXXXXXXXX by final signed XX also saying XX. |  | &nbsp;&nbsp;Client 11/17/2022 10:25 AM; HI, there is no prepayment penalty on this loan. XXXXXXXXX by final signed XX also saying XX. XXXXXX.<br>Reviewer 11/17/2022 10:29 AM; <br>Reviewer 11/17/2022 11:28 AM; Hello, XXXX has been cleared. XXXXX you!<br>| &nbsp;&nbsp;11/17/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NJ | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7006783 | &nbsp;&nbsp;185 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Flood Certificate |  | &nbsp;&nbsp;Flood Certificate - Flood insurance is required - Flood policy missing |  | &nbsp;&nbsp;Flood insurance is missing, flood zone is XX, flood insurance is required please provide acceptable flood insurance. | &nbsp;&nbsp;revised XXXXX XXXX provided verifying not in a XXXXX XXXX, XXXX X; XXXXXXX revised loma XX/XX/XXXX |  | &nbsp;&nbsp;Reviewer 11/30/2022 11:16 AM; Not provided <br>Client 11/30/2022 12:58 PM; Updated XXXXX XXXX in file indicates property is not in a flood zone. XXXXXXXXX not required. XXXXXX. <br>Reviewer 11/30/2022 01:36 PM; <br>Reviewer 11/30/2022 01:51 PM; Hello, XXX has been cleared. XXXXX you<br>| &nbsp;&nbsp;11/30/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;2 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7006786 | &nbsp;&nbsp;961 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;Appraisal |  | &nbsp;&nbsp;Appraisal - FEMA Disaster Re-certification Required |  | &nbsp;&nbsp;need disater cert, appraisal was dated X/XX/XXXX. XXXXXX provide updated report for after XXXXXXXXX XXX must be dated after XX/XX/XXXX | &nbsp;&nbsp;Information provided |  | &nbsp;&nbsp;Reviewer 11/23/2022 10:08 AM; Received processor cert. XXX is not acceptable. XXXXXX upload a disaster cert with photos showing no damage to the property. <br>Reviewer 11/30/2022 11:16 AM; Not provided <br>Reviewer 11/30/2022 04:11 PM; Processors cert and inspection reports will not suffice. XXXX disaster cert or XXXX stating no damage to the property <br>Reviewer 12/01/2022 12:02 PM; inspection results will not suffice. XXXX disaster cert or XXXX stating no damage to the property<br>| &nbsp;&nbsp;12/02/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;2 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7004430 | &nbsp;&nbsp;445 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Other income documentation missing/incomplete |  | &nbsp;&nbsp;Missing debt/mortgage or proof free/clear information on two investment properties owned by borrower. | &nbsp;&nbsp;T |  | &nbsp;&nbsp;Client 11/21/2022 10:49 AM; We have the release of lien in the file, fraud report does not show a mortgage on the property. XX have been provided with the taxes for the property and borrower indicated in an XXX that they did not insure the property. XXXXXX clarify what additional documentation is needed. XXXXXX!<br>Reviewer 11/21/2022 12:34 PM; <br>Reviewer 11/21/2022 12:35 PM; Fraud report reflects borrower is a co-owner of XXXX XXXXXXXX XX and owner of XXX E XXXXXXXX XX. XXX in file states properties are free and clear; however, XXX and XXXXX were not included in the XXX<br>Client 11/22/2022 11:07 AM; REO expenses applied to liabilities. XXXXXX. <br>Reviewer 11/22/2022 01:24 PM; Condition has been cleared XXXXX you <br>| &nbsp;&nbsp;11/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7003588 | &nbsp;&nbsp;336 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Income Other |  | &nbsp;&nbsp;Provide source of large XXX deposits in XXXXX, XXXXX, XXXXXXXXX and XXXXXXX XXXX included in XXXX statement income calculation. XXXXXXXX large XXX deposits throughout XX month history and sourcing the deposits in the most recent year will establish an acceptable trend to use the remainder of the XXX deposits in the income calculation | &nbsp;&nbsp;Documentation provided is sufficient |  | &nbsp;&nbsp;Client 11/18/2022 10:59 AM; Borrower is a real estate agent. XXX larger XXX deposits represent borrower's commissions. XXXXXX.<br>Reviewer 11/18/2022 03:30 PM; Documentation provided is sufficient.<br>| &nbsp;&nbsp;11/18/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TN | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7003250 | &nbsp;&nbsp;898 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - TRID- Fee Tolerance Violation |  | &nbsp;&nbsp;X% tolerance violation in the amount of $XXX.XX for the increase in the XXXXXX XXX, the final XX cured $X.XX, a refund for the remaining $XXX.XX is required. XXXXXX provide a XXXX reflecting full cure of $XXX.XX along with XXX and proof of $XXX.XX refund to the borrower. | &nbsp;&nbsp;coc accepted for increase |  | &nbsp;&nbsp;Client 11/17/2022 04:56 PM; COC changing loan amount is directly correlated to the increase in broker fees. XXXXXX.<br>Reviewer 11/18/2022 08:38 AM; <br>Reviewer 11/18/2022 08:42 AM; Good XXXXXXX, XXXX has been cleared. XXXXX you<br>| &nbsp;&nbsp;11/18/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TN | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7003253 | &nbsp;&nbsp;957 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - First Payment Letter Missing or Incorrect |  | &nbsp;&nbsp;XXXXX payment letter states that the loan does not have a prepayment penalty, but XXX XXX rider and XXXX addendum states that the loan does have a prepayment penalty. | &nbsp;&nbsp;Per client : there is no prepayment penalty on this loan. XXXXXXXXX by final signed XX also saying XX. |  | &nbsp;&nbsp;Client 11/18/2022 12:19 PM; addendum is missing prepayment penalty structure.HI, there is no prepayment penalty on this loan. XXXXXXXXX by final signed XX also saying XX. XXXXXX.<br>Reviewer 11/18/2022 01:20 PM; Hello, XXXX has been cleared. XX apologies, I missed this condition yesterday when I cleared the other X re: XXX. XXXXX you<br>Reviewer 11/18/2022 01:20 PM; <br>| &nbsp;&nbsp;11/18/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NJ | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7005383 | &nbsp;&nbsp;229 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Approval |  | &nbsp;&nbsp;UW Approval - Signed underwriting approval not in the file: |  | &nbsp;&nbsp;Provide final loan approval with approved exception for loan amount under $XXX,XXX and compensating factors identified. | &nbsp;&nbsp;Loan size less than $XXXX approved by XX |  | &nbsp;&nbsp;Reviewer 11/21/2022 03:03 PM; The loan approval received did not include any deviation exception approval<br>Client 11/21/2022 03:28 PM; Loan approval does indicate approval in the top section of the document. XXXXXX.<br>Reviewer 11/22/2022 09:14 AM; The XXXX details on the XXXX XXXXXXXX does not mention the loan amount less then $XXX,XXX.XX <br>Reviewer 11/22/2022 09:15 AM; Escalation: XXX XXXX details on the XXXX XXXXXXXX does not mention the loan amount less then $XXX,XXX.XX <br>Client 11/23/2022 11:13 AM; Uploaded completel copy of loan approval, the bottom section of the details section was cut off before. XXXXXX.<br>Reviewer 11/23/2022 02:21 PM; Deficiency previously cleared. XXXXXXXX escalation only.<br>| &nbsp;&nbsp;11/23/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;SC | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7006508 | &nbsp;&nbsp;387 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Taxes and Insurance documentation |  | &nbsp;&nbsp;Provide updated hazard insurance reflecting coverage equal to the $XXXXXX loan amount or an XXX verifying the cost to rebuild meets the $XXX,XXX coverage listed on the policy. | &nbsp;&nbsp;Coverage was increased based on the effective date |  | &nbsp;&nbsp;Client 12/07/2022 02:53 PM; The insurance company has stated on the dec page that their coverage was based on replacement cost. XXXX did increase the coverage for the renewal effective XX.XX.XX. XXXXX on XXXXXXX law, this should be adequate coverage and will support the loan amount on XX.XX.XX. <br>Reviewer 12/07/2022 03:40 PM; Condition has been cleared XXXXX you <br>| &nbsp;&nbsp;12/07/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7010538 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Hazard XXXXXXXXX policy is missing from this file | &nbsp;&nbsp;Documentation provided is sufficient. |  | &nbsp;&nbsp;Reviewer 11/29/2022 08:00 PM; Provide explanation why the XXX reflects the subject property as XXXXXXXXXX and not XXXXXXXXXXX<br>Client 12/06/2022 03:56 PM; Properties listed as commercial because it was more cost effective for the borrower with all the coverages and names insured that were needed. XXXXXX. <br>Reviewer 12/07/2022 08:31 AM; Documentation provided is sufficient.<br>| &nbsp;&nbsp;12/07/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;7008869 | &nbsp;&nbsp;959 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | &nbsp;&nbsp;IEADS amount of $XXXX.XX does not match the escrows on the final XX of $XXXX.XX. | &nbsp;&nbsp;Information provided |  | &nbsp;&nbsp;Client 11/29/2022 03:01 PM; Please clarify finding XX grade. XXXXXX!<br>Reviewer 11/29/2022 03:01 PM; <br>Reviewer 11/29/2022 03:37 PM; Hi, the XXXXX on this is a B. XX there a final XXXXXXXXXX XXXXXXXXX that supports the initial deposit on the XXXXX? XX need a correction on this either with an XXXXX or XXXX due to the very large difference on the documents and shortage per the XX. XXX XXXXX shows that $X,XXX.XX was deposited to the account (but only $XXXX.XX was collected on the XX). XXX you confirm what the opening balance into XXXXXX was? XXX the XXXXX, $X,XXX.XX is supposed to be paid out in ta<br>| &nbsp;&nbsp;12/01/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;TX | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |  | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;A |  | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;B |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;6733500 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXX guidelines, page XX, XXXX XXXX XXXXXXXXX, A XXXXXXXXXX, XXXXXXXX or rental dwelling policy is required. XXXXXX received reflects XXXXXXXXXX XXXXXX and does not reflect rent loss insurance. | &nbsp;&nbsp;Received |  |  | &nbsp;&nbsp;03/25/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;CA | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;6733505 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;XXX loan approval reflects XXXXX XX to reflect payoff for XXXX of XXXXX XXXXXXX. XXXXXXXX updated signed, title stamped, XXXXXXXXXX statement dated XX/XX/XXXX with XXXX of XXXXX XXXXXXX no longer being paid at closing. XXXXX reflects a judgment for XXXXX XXXXXXX and payoff letter received reflects past due support. XXXXXXX corrected/current XXXXXXXXXX statement paying off child support XX provide verification of past due payment and release of judgment. | &nbsp;&nbsp;Received |  |  | &nbsp;&nbsp;03/22/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;CA | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;6931596 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Exception XXXXXXXX was in forbearance on other XXX which completed X/XXXX (XXX w/XXX#XXXX) the borrower was then offered a modification as of X/XXXX. XXX XXXXX payment on that mod is due X/X/XXXX. XXXX is all documented on a credit supplement; formal documents have been requested. XXXXXX of explanation from borrowers due to XXXXX and loss of rental income. XXX transaction is a cash out, all property taxes to be paid current at closing. XXXX is an isolated event as the borrower... |  | &nbsp;&nbsp;Compensating factors: XXXXX reserves above min by X months; XXX below max by X% market rent higher than current lease. XXXXXXX XXXX XX/XX/XXXX |  |  |  | &nbsp;&nbsp;08/16/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;MN | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;6969394 | &nbsp;&nbsp;961 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;Appraisal |  | &nbsp;&nbsp;Appraisal - FEMA Disaster Re-certification Required |  |  | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;10/12/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;6990546 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Final XXXXXX XXXXXXX disclosure/closing statement for transaction. (only sellers statement provided) | &nbsp;&nbsp;Settlement statement provided |  |  | &nbsp;&nbsp;11/07/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;6992806 | &nbsp;&nbsp;330 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;No mortgage history reporting on credit XXXX amount is less than $XXX,XXX delayed financing transaction. |  | &nbsp;&nbsp;The exception was granted for no mortgage history with a loan amount under $XXX,XXX delayed financing with the following compensating factors: XXX XX points higher than minimum and XXXXX reserves above minimum by X months. |  |  |  | &nbsp;&nbsp;11/04/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NE | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;6991798 | &nbsp;&nbsp;72 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Package |  | &nbsp;&nbsp;Closing Package - |  | &nbsp;&nbsp;Please confirm if XXXXXXXX XXXXX XXXXXX is a XXXXXXXX/XXXXXXXXX. XXXXXXXX XXXXX XXXXXX did not sign the XXXX individually and the approval does not list them as a XXXXXXXX, however, the final XXXX for XXXX XXXXX states that there are X total XXXXXXXXX. XXXXXXX if there are any other XXXXXXXXXX besides XXXX XXXXX who signed the XXXX individually and who is listed on the approval. XXXXXXXXXX conditions may apply upon receipt and review of confirmation. | &nbsp;&nbsp;Per client: XXX this transaction the entity is the borrower, the authorized members are required to sign both the XXXX |  | &nbsp;&nbsp;Client 11/08/2022 08:58 AM; For this transaction the entity is the borrower, the authorized members are required to sign both the XXXX <br>Reviewer 11/08/2022 09:18 AM; <br>Reviewer 11/08/2022 09:18 AM; Good XXXXXXX, condition has been cleared. XXXXX you!<br>| &nbsp;&nbsp;11/08/2022 |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;6995518 | &nbsp;&nbsp;320 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Assets |  | &nbsp;&nbsp;UW Assets - UW - Asset Other |  | &nbsp;&nbsp;Gift funds of XX% of purchase XXXXX exceeds guideline of XX% |  | &nbsp;&nbsp;Client approved due to good XXXX and mortgage history |  |  |  | &nbsp;&nbsp;11/09/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;6997966 | &nbsp;&nbsp;434 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Assets |  | &nbsp;&nbsp;UW Assets - UW - Shorts Funds for Reserves |  | &nbsp;&nbsp;X months reserves required $XX,XXX.XX |  | &nbsp;&nbsp;Exception approval received/ comp factors - XXXX XXX, XXX month housing history XXXX | &nbsp;&nbsp;Reviewer 11/15/2022 06:19 AM; X months reserves meet when using gift funds from mother in the amount of $XX,XXX.XX and $XX,XXX. XXXXXXXXXX limit gift funds are limited to XX% of XXXXXXXX XXXXX. XXXXXXXX XXXXX is $XXX,XXX @XX%=$XX,XXX XXXXX gift funds received $XX,XXX.XX<br>|  |  | &nbsp;&nbsp;11/16/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;FL | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;7003734 | &nbsp;&nbsp;328 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Satisfactory 12 mth Mortgage |  | &nbsp;&nbsp;Borrower only has a X month housing history vs guideline of XX months |  | &nbsp;&nbsp;Compensating XXXXXXX: XXXX XX points - XXX qualifying score; XXXXX reserves above min by X months-XX.XX months |  |  |  | &nbsp;&nbsp;11/17/2022 | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;NJ | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

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| ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |
| **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** |
| &nbsp;&nbsp;**LOAN INFORMATION** | &nbsp;&nbsp;**LOAN INFORMATION** | &nbsp;&nbsp;**LOAN INFORMATION** | &nbsp;&nbsp;**LOAN INFORMATION** | &nbsp;&nbsp;**INITIAL CREDIT LOAN GRADES** | &nbsp;&nbsp;**INITIAL CREDIT LOAN GRADES** | &nbsp;&nbsp;**INITIAL CREDIT LOAN GRADES** | &nbsp;&nbsp;**INITIAL CREDIT LOAN GRADES** | &nbsp;&nbsp;**INITIAL CREDIT LOAN GRADES** | &nbsp;&nbsp;**INITIAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**INITIAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**INITIAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**INITIAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**INITIAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**INITIAL PROPERTY LOAN GRADES** | &nbsp;&nbsp;**INITIAL PROPERTY LOAN GRADES** | &nbsp;&nbsp;**INITIAL PROPERTY LOAN GRADES** | &nbsp;&nbsp;**INITIAL PROPERTY LOAN GRADES** | &nbsp;&nbsp;**INITIAL PROPERTY LOAN GRADES** | &nbsp;&nbsp;**INITIAL OVERALL LOAN GRADES** | &nbsp;&nbsp;**INITIAL OVERALL LOAN GRADES** | &nbsp;&nbsp;**INITIAL OVERALL LOAN GRADES** | &nbsp;&nbsp;**INITIAL OVERALL LOAN GRADES** | &nbsp;&nbsp;**INITIAL OVERALL LOAN GRADES** | &nbsp;&nbsp;**FINAL CREDIT LOAN GRADES** | &nbsp;&nbsp;**FINAL CREDIT LOAN GRADES** | &nbsp;&nbsp;**FINAL CREDIT LOAN GRADES** | &nbsp;&nbsp;**FINAL CREDIT LOAN GRADES** | &nbsp;&nbsp;**FINAL CREDIT LOAN GRADES** | &nbsp;&nbsp;**FINAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**FINAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**FINAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**FINAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**FINAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**FINAL PROPERTY LOAN GRADES** | &nbsp;&nbsp;**FINAL PROPERTY LOAN GRADES** | &nbsp;&nbsp;**FINAL PROPERTY LOAN GRADES** | &nbsp;&nbsp;**FINAL PROPERTY LOAN GRADES** | &nbsp;&nbsp;**FINAL PROPERTY LOAN GRADES** | &nbsp;&nbsp;**FINAL OVERALL LOAN GRADES** | &nbsp;&nbsp;**FINAL OVERALL LOAN GRADES** | &nbsp;&nbsp;**FINAL OVERALL LOAN GRADES** | &nbsp;&nbsp;**FINAL OVERALL LOAN GRADES** | &nbsp;&nbsp;**FINAL OVERALL LOAN GRADES** |
| &nbsp;&nbsp;**Evolve Loan ID** | &nbsp;&nbsp;**Customer Loan ID** | &nbsp;&nbsp;**Seller Loan ID** | &nbsp;&nbsp;**Original Loan Amount** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;D | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;D | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;D | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;D | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;D | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;D | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;D | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |  |  |  |  |  | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C |  |  |  |  |  | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

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| ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |
| **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** | **Run Date - 01/18/2023 8:58:10 AM** |
| &nbsp;&nbsp;**LOAN INFORMATION** | &nbsp;&nbsp;**LOAN INFORMATION** | &nbsp;&nbsp;**LOAN INFORMATION** | &nbsp;&nbsp;**LOAN INFORMATION** | &nbsp;&nbsp;**LOAN INFORMATION** | &nbsp;&nbsp;**LOAN INFORMATION** | &nbsp;&nbsp;**Origination Values** | &nbsp;&nbsp;**Origination Values** | &nbsp;&nbsp;**Origination Values** | &nbsp;&nbsp;**Origination Values** | &nbsp;&nbsp;**Origination Values** | &nbsp;&nbsp;**Origination Values** | &nbsp;&nbsp;**Origination Values** | &nbsp;&nbsp;**Origination Values** | &nbsp;&nbsp;**AVM Values** | &nbsp;&nbsp;**AVM Values** | &nbsp;&nbsp;**AVM Values** | &nbsp;&nbsp;**AVM Values** | &nbsp;&nbsp;**AVM Values** | &nbsp;&nbsp;**AVM Values** | &nbsp;&nbsp;**Desk Review Values** | &nbsp;&nbsp;**Desk Review Values** | &nbsp;&nbsp;**Desk Review Values** | &nbsp;&nbsp;**Desk Review Values** | &nbsp;&nbsp;**Desk Review Values** | &nbsp;&nbsp;**Desk Review Values** | &nbsp;&nbsp;**Desk Top Review Values** | &nbsp;&nbsp;**Desk Top Review Values** | &nbsp;&nbsp;**Desk Top Review Values** | &nbsp;&nbsp;**Desk Top Review Values** | &nbsp;&nbsp;**Desk Top Review Values** | &nbsp;&nbsp;**BPO Values** | &nbsp;&nbsp;**BPO Values** | &nbsp;&nbsp;**BPO Values** | &nbsp;&nbsp;**BPO Values** | &nbsp;&nbsp;**BPO Values** | &nbsp;&nbsp;**Field Review Values** | &nbsp;&nbsp;**Field Review Values** | &nbsp;&nbsp;**Field Review Values** | &nbsp;&nbsp;**Field Review Values** | &nbsp;&nbsp;**Field Review Values** | &nbsp;&nbsp;**2055 Values** | &nbsp;&nbsp;**2055 Values** | &nbsp;&nbsp;**2055 Values** | &nbsp;&nbsp;**2055 Values** | &nbsp;&nbsp;**2055 Values** | &nbsp;&nbsp;**Updated Values** | &nbsp;&nbsp;**Updated Values** | &nbsp;&nbsp;**Updated Values** | &nbsp;&nbsp;**Updated Values** | &nbsp;&nbsp;**Updated Values** | &nbsp;&nbsp;**Updated Multi Property Values** | &nbsp;&nbsp;**Updated Multi Property Values** | &nbsp;&nbsp;**Updated Multi Property Values** |  |  |
| &nbsp;&nbsp;**Evolve Loan ID** | &nbsp;&nbsp;**Customer Loan ID** | &nbsp;&nbsp;**Seller Loan ID** | &nbsp;&nbsp;**Note Date** | &nbsp;&nbsp;**Original Loan Amount** | &nbsp;&nbsp;**Sales Price** | &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;**Value for LTV** | &nbsp;&nbsp;**Appraisal Date** | &nbsp;&nbsp;**Second Appraisal Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance Percent** | &nbsp;&nbsp;**Second Appraisal Date** | &nbsp;&nbsp;**Second Appraisal Type** | &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance Percent** | &nbsp;&nbsp;**Company** | &nbsp;&nbsp;**Confidence Score** | &nbsp;&nbsp;**Appraisal Date** | &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance Percent** | &nbsp;&nbsp;**Company** | &nbsp;&nbsp;**Risk Score** | &nbsp;&nbsp;**Appraisal Date** | &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance Percent** | &nbsp;&nbsp;**Company** | &nbsp;&nbsp;**Appraisal Date** | &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance Percent** | &nbsp;&nbsp;**Company** | &nbsp;&nbsp;**Appraisal Date** | &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance Percent** | &nbsp;&nbsp;**Company** | &nbsp;&nbsp;**Appraisal Date** | &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance Percent** | &nbsp;&nbsp;**Company** | &nbsp;&nbsp;**Appraisal Date** | &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;**Variance Amount** | &nbsp;&nbsp;**Variance Percent** | &nbsp;&nbsp;**Company** | &nbsp;&nbsp;**Appraisal Date** | &nbsp;&nbsp;**Aggregate Appraised Value** | &nbsp;&nbsp;**Aggregate Variance Amount** | &nbsp;&nbsp;**Aggregate Variance Percent** | &nbsp;&nbsp;**Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | &nbsp;&nbsp;**Collateral Underwriter Risk Score** |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;low | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;29.91% | &nbsp;&nbsp;Other | &nbsp;&nbsp;76 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-3.57% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Low Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;moderate | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Low Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Low Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-1.97% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;94 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;4.19% | &nbsp;&nbsp;HouseCanary |  | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Low Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;moderate | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;-14.35% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;87 | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;5.79% | &nbsp;&nbsp;Other | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXX | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;HouseCanary |  | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-4.61% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;95 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;20.62% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-1.67% | &nbsp;&nbsp;LexisNexis | &nbsp;&nbsp;95 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Low Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;low | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;0.95% | &nbsp;&nbsp;HouseCanary |  | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;9.07% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-1.93% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;97 | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;low risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-2.47% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;93 | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Low risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;moderate | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;moderate | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;4.68% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-4.09% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;94 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-4.08% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;2.39% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;6.67% | &nbsp;&nbsp;LexisNexis | &nbsp;&nbsp;95 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;-55.35% | &nbsp;&nbsp;HouseCanary |  | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;moderate | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;moderate | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;15.79% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;91 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;-0.14% | &nbsp;&nbsp;LexisNexis | &nbsp;&nbsp;97 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;low | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-2.08% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;100 | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;5.20% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-5.35% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;97 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;26.76% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;80 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;14.58% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;7.08% | &nbsp;&nbsp;HouseCanary |  | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;9.71% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXX | &nbsp;&nbsp;0.28% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;10.32% | &nbsp;&nbsp;LexisNexis | &nbsp;&nbsp;93 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-8.73% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-3.35% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;2.26% | &nbsp;&nbsp;LexisNexis | &nbsp;&nbsp;93 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-2.69% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-7.61% | &nbsp;&nbsp;HouseCanary |  | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-3.85% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;moderate | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;2.15% | &nbsp;&nbsp;LexisNexis | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;10.56% | &nbsp;&nbsp;LexisNexis | &nbsp;&nbsp;88 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;moderate | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;1.12% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-0.37% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;-0.41% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;10.86% | &nbsp;&nbsp;LexisNexis | &nbsp;&nbsp;96 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-8.38% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;93 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;-0.26% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-2.00% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;1.83% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;93 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;6.15% | &nbsp;&nbsp;LexisNexis | &nbsp;&nbsp;95 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;-0.06% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;94 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;15.03% | &nbsp;&nbsp;LexisNexis | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;22.17% | &nbsp;&nbsp;LexisNexis | &nbsp;&nbsp;93 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;4.15% | &nbsp;&nbsp;LexisNexis | &nbsp;&nbsp;93 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-6.29% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;3.66% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;89 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;13.67% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-3.86% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;81 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;0.27% | &nbsp;&nbsp;CA Value | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-5.60% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;96 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;5.52% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;91 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;19.67% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;87 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-6.36% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;93 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;0.63% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-3.48% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;3.02% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;29.82% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;95 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-9.08% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;6.17% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;93 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;10.62% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;11.84% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-3.59% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;95 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;3.96% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-6.21% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-9.93% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;91 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;9.51% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;89 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;2.39% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;94 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;5.05% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;6.06% | &nbsp;&nbsp;LexisNexis | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Low Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;0.80% | &nbsp;&nbsp;LexisNexis | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Low Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;moderate | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-4.45% | &nbsp;&nbsp;HouseCanary | &nbsp;&nbsp;90 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;4.36% | &nbsp;&nbsp;Collateral Analytics | &nbsp;&nbsp;94 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Low Risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-1.79% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Average | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXX | &nbsp;&nbsp;1.00% | &nbsp;&nbsp;ClearCapital | &nbsp;&nbsp;92 | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-7.16% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;B | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Pro Teck | &nbsp;&nbsp;Reasonable | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Pro Teck | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Consolidated Analytics | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Pro Teck | &nbsp;&nbsp;Reasonable | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Vision VMC LLC | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;Moderate | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-5.93% | &nbsp;&nbsp;ServiceLink | &nbsp;&nbsp;B | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Service 1st | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Service 1st | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-3.00% | &nbsp;&nbsp;ServiceLink |  | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Service 1st | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;ServiceLink |  | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;moderate | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXX | &nbsp;&nbsp;-1.04% | &nbsp;&nbsp;Service 1st | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Service 1st | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Service 1st | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Service 1st | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;-6.98% | &nbsp;&nbsp;ServiceLink |  | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Service 1st | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A | &nbsp;&nbsp;2.6 |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Service 1st | &nbsp;&nbsp;A | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A |  |
| &nbsp;&nbsp;XX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXXXX | &nbsp;&nbsp;XXXXXXXX | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;XXXXXX |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Clear Capital | &nbsp;&nbsp;moderate risk | &nbsp;&nbsp;XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5 |

---

## Exhibit 99.7

**Exhibit 99.7**

---

| | |
|:---|:---|
| <br>![](ex99-7_001.jpg)<br>**PRPM 2023-NQM1**<br>| Mortgage Loan Sale Executive Summary Report<br>![](ex99-7_002.jpg) <br>|

---

**TABLE OF CONTENTS**

 ****

---

| | |
|:---|:---|
| [Infinity Biography](#a_001) | 2.0 |
| [Description of the due diligence performed](#a_002) | 3.0 |
| [Summary of findings and conclusions of review](#a_003) | 14.0 |
| [Tape Integrity Review Results Summary](#a_004) | 15.0 |
| [Additional Loan Population Summary](#a_005) | 16.0 |

---

 ****

1 \| P a g e

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

2 \| P a g e

**Description of the due diligence performed**

**(1) Type of assets that were reviewed.**

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by PRP-LB 2023-NQM1, LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of one hundred and twenty-four (124) mortgage loans that were originally reviewed from May 2022 to December 2022.

**(2) Sample size of the assets reviewed.**

The mortgage loan review was broken down into the following review scopes:

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Compliance Review": 37 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Credit Review": 124 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Property Review" 124 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Data Integrity" 124 Mortgage Loans

**(3) Determination of the sample size and computation.**

Infinity is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by Infinity.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

For one hundred and twenty-four (124) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Infinity conducted a credit review for one hundred and twenty-four (124) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

3 \| P a g e

There were 14 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

**Credit Application:** For the Credit Application, Infinity verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history

**Credit Report:** Infinity's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, Infinity: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered date required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** Infinity determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

**Asset Review:** Infinity assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, Infinity completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**Occupancy Review:** Infinity confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, Infinity confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

4 \| P a g e

**Fraud Review:** Infinity reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, Infinity confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** Infinity's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** Infinity also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

**Business Purpose/DSCR Scope:** Infinity conducted business purpose/property focused Investor review for eighty (80) mortgage loans with DSCR calculation. There were one (1) mortgage loan that were classified as No Ratio loan with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

5 \| P a g e

**(6) Value of collateral securing the assets: review and methodology.**

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for one hundred and twenty-four (124) mortgage loans. For these one hundred and twenty-four (124) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

Infinity's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Infinity's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, Infinity's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Infinity's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

6 \| P a g e

If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Infinity's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

**(7)** **Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

Infinity completed a Compliance Review on thirty-seven (37) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Infinity to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Infinity are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

Infinity reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

7 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission
period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures,
and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable
tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation
to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, Infinity reviewed the relevant
documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or
governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement
and/or governing policies and procedures, Infinity's review was limited to formal general statements of entity compliance provided
by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage
loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership
counseling in connection with a mortgage loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage loan require
arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly,
any premiums or fees for credit insurance.

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&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan originator organization
and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security
instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect
at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider
list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided to
the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement
form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement
Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

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ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm that the list of homeownership counselling organizations
was obtained no earlier than 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after
October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs
provided prior to receipt of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after
October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed
on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

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&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the
mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards
(12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including
qualified mortgages as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the
Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain
creditors (12 C.F.R. 1026.43(f)).

Infinity reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity notes if an originator mortgage loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, Infinity then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

 

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*<u>General Ability to Repay</u>*

Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

 

Infinity reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Infinity does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal
disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

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**(X) Recording Review**

Infinity noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, Infinity accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

Infinity reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain other disclosures related to the enumerated tests set
forth herein.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSRO listed in Item 3 of the ABS Due Diligence 15E, S&P Global Ratings ("S&P") and DBRS, Inc. ("DBRS").

**OVERALL RESULTS SUMMARY (124 Mortgage Loans)**

Infinity's review to NRSRO grading requirements covers one hundred and twenty-four (124) mortgage loans. Within those mortgage loans, Infinity graded one hundred and eleven (111) mortgage loans as "A", eleven (11) mortgage loans as "B" and two (2) mortgage loans as "C".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;37 | &nbsp;&nbsp;113 | &nbsp;&nbsp;122 | &nbsp;&nbsp;111 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;91.13% | &nbsp;&nbsp;98.39% | &nbsp;&nbsp;89.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8.87% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8.87% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.61% | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS<br> Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**DBRS<br> Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;37 | &nbsp;&nbsp;113 | &nbsp;&nbsp;122 | &nbsp;&nbsp;111 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS<br> Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**DBRS<br> Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;91.13% | &nbsp;&nbsp;98.39% | &nbsp;&nbsp;89.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8.87% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8.87% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.61% | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY (124 Mortgage Loans)**

Of the one hundred and twenty-four (124) mortgage loans reviewed, 89 (71.77%) mortgage loans had tape discrepancies across twenty-eight (28) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Variances** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% # Loans** |
| &nbsp;&nbsp;Amortization Term Months (CE, S&P) | &nbsp;&nbsp;2 | &nbsp;&nbsp;124 | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;ARM Lifetime Floor Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;124 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;B1 Credit Score | &nbsp;&nbsp;8 | &nbsp;&nbsp;124 | &nbsp;&nbsp;6.45% |
| &nbsp;&nbsp;Borrower 1 Foreign National Indicator | &nbsp;&nbsp;11 | &nbsp;&nbsp;124 | &nbsp;&nbsp;8.87% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;4 | &nbsp;&nbsp;124 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;17 | &nbsp;&nbsp;124 | &nbsp;&nbsp;13.71% |
| &nbsp;&nbsp;Debt Service Coverage Ratio (DSCR) | &nbsp;&nbsp;68 | &nbsp;&nbsp;124 | &nbsp;&nbsp;54.84% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;124 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;124 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Housing Ratio per U/W (Initial Rate) | &nbsp;&nbsp;2 | &nbsp;&nbsp;124 | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;Income B1 U/W | &nbsp;&nbsp;4 | &nbsp;&nbsp;124 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;Interest Only Period? | &nbsp;&nbsp;1 | &nbsp;&nbsp;124 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Loan Documentation Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;124 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;124 | &nbsp;&nbsp;4.84% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;24 | &nbsp;&nbsp;124 | &nbsp;&nbsp;19.35% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;124 | &nbsp;&nbsp;5.65% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;1 | &nbsp;&nbsp;124 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Original Stated P&I | &nbsp;&nbsp;51 | &nbsp;&nbsp;124 | &nbsp;&nbsp;41.13% |
| &nbsp;&nbsp;Prepayment Penalty Indicator | &nbsp;&nbsp;14 | &nbsp;&nbsp;124 | &nbsp;&nbsp;11.29% |
| &nbsp;&nbsp;Prepayment Penalty Term Months | &nbsp;&nbsp;14 | &nbsp;&nbsp;124 | &nbsp;&nbsp;11.29% |
| &nbsp;&nbsp;Property Address Street | &nbsp;&nbsp;1 | &nbsp;&nbsp;124 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Property Postal Code | &nbsp;&nbsp;3 | &nbsp;&nbsp;124 | &nbsp;&nbsp;2.42% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;23 | &nbsp;&nbsp;124 | &nbsp;&nbsp;18.55% |
| &nbsp;&nbsp;Purpose Per Application | &nbsp;&nbsp;6 | &nbsp;&nbsp;124 | &nbsp;&nbsp;4.84% |
| &nbsp;&nbsp;Sales Price (HUD-1 Line 101) | &nbsp;&nbsp;1 | &nbsp;&nbsp;124 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Stated Maturity Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;124 | &nbsp;&nbsp;10.48% |
| &nbsp;&nbsp;Stated Remaining Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;124 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;124 | &nbsp;&nbsp;3.23% |

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**ADDITIONAL LOAN POPULATION SUMMARY (124 Mortgage Loans)**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**#<br> Loans** | &nbsp;&nbsp;**#<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;120 | &nbsp;&nbsp;120 | &nbsp;&nbsp;96.77% | &nbsp;&nbsp;96.77% | &nbsp;&nbsp;96.77% | &nbsp;&nbsp;$67628802.00 | &nbsp;&nbsp;95.56% | &nbsp;&nbsp;95.56% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.23% | &nbsp;&nbsp;3.23% | &nbsp;&nbsp;3.23% | &nbsp;&nbsp;$3140500.00 | &nbsp;&nbsp;4.44% | &nbsp;&nbsp;4.44% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**124** | &nbsp;&nbsp;**124** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70769302.00** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**#<br> Loans** | &nbsp;&nbsp;**#<br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of <br> Original<br> Balance** | &nbsp;&nbsp;**% of <br> Original<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;124 | &nbsp;&nbsp;124 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$70769302.00 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**124** | &nbsp;&nbsp;**124** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70769302.00** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**#<br> Loans** | &nbsp;&nbsp;**#<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Original<br> Balance** |
| &nbsp;&nbsp;Cash-Out: Home Improvement/Renovation | &nbsp;&nbsp;Cash-Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;$1002000.00 | &nbsp;&nbsp;$1002000.00 | &nbsp;&nbsp;$1002000.00 | &nbsp;&nbsp;1.41% |
| &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;49 | &nbsp;&nbsp;49 | &nbsp;&nbsp;39.52% | &nbsp;&nbsp;$37589540.00 | &nbsp;&nbsp;$37589540.00 | &nbsp;&nbsp;$37589540.00 | &nbsp;&nbsp;53.11% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.84% | &nbsp;&nbsp;$2502125.00 | &nbsp;&nbsp;$2502125.00 | &nbsp;&nbsp;$2502125.00 | &nbsp;&nbsp;3.54% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;27 | &nbsp;&nbsp;27 | &nbsp;&nbsp;21.77% | &nbsp;&nbsp;$13209487.00 | &nbsp;&nbsp;$13209487.00 | &nbsp;&nbsp;$13209487.00 | &nbsp;&nbsp;18.67% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;41 | &nbsp;&nbsp;41 | &nbsp;&nbsp;33.06% | &nbsp;&nbsp;$16466150.00 | &nbsp;&nbsp;$16466150.00 | &nbsp;&nbsp;$16466150.00 | &nbsp;&nbsp;23.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**124** | &nbsp;&nbsp;**124** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70769302.00** | &nbsp;&nbsp;**$70769302.00** | &nbsp;&nbsp;**$70769302.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**#<br> Loans** | &nbsp;&nbsp;**#<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;$260000.00 | &nbsp;&nbsp;0.37% | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.03% | &nbsp;&nbsp;4.03% | &nbsp;&nbsp;4.03% | &nbsp;&nbsp;$6337250.00 | &nbsp;&nbsp;8.96% | &nbsp;&nbsp;8.96% |
| &nbsp;&nbsp;300 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.42% | &nbsp;&nbsp;2.42% | &nbsp;&nbsp;2.42% | &nbsp;&nbsp;$2586000.00 | &nbsp;&nbsp;3.65% | &nbsp;&nbsp;3.65% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;115 | &nbsp;&nbsp;115 | &nbsp;&nbsp;92.74% | &nbsp;&nbsp;92.74% | &nbsp;&nbsp;92.74% | &nbsp;&nbsp;$61586052.00 | &nbsp;&nbsp;87.02% | &nbsp;&nbsp;87.02% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**124** | &nbsp;&nbsp;**124** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70769302.00** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**#<br> Loans** | &nbsp;&nbsp;**#<br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;35 | &nbsp;&nbsp;35 | &nbsp;&nbsp;28.23% | &nbsp;&nbsp;28.23% | &nbsp;&nbsp;28.23% | &nbsp;&nbsp;$22123119.00 | &nbsp;&nbsp;31.26% | &nbsp;&nbsp;31.26% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.61% | &nbsp;&nbsp;1.61% | &nbsp;&nbsp;1.61% | &nbsp;&nbsp;$1022400.00 | &nbsp;&nbsp;1.45% | &nbsp;&nbsp;1.45% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;87 | &nbsp;&nbsp;87 | &nbsp;&nbsp;70.16% | &nbsp;&nbsp;70.16% | &nbsp;&nbsp;70.16% | &nbsp;&nbsp;$47623783.00 | &nbsp;&nbsp;67.29% | &nbsp;&nbsp;67.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**124** | &nbsp;&nbsp;**124** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70769302.00** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;Accelerator DSCR _ No Ratio Guidelines 4.1.22.pdf |
| &nbsp;&nbsp;Business Purpose DSCR No Ratio 2.9.22.pdf |
| &nbsp;&nbsp;New Wave AQM_Bank Stmt.pdf |
| &nbsp;&nbsp;New Wave AQM_VOE&PNL.pdf |
| &nbsp;&nbsp;New Wave Jumbo Express_JE.pdf |
| &nbsp;&nbsp;Investor Solution 2022-03-28.pdf |
| &nbsp;&nbsp;Sharestates - DSCR Guideliness_Dec2021- Updated.pdf |
| &nbsp;&nbsp;Sprout Sales Guide - January 20, 2022.pdf |
| &nbsp;&nbsp;Achiever Expanded Guide 20220603.pdf |
| &nbsp;&nbsp;Champion Classic Guide 20220603.pdf |
| &nbsp;&nbsp;Visionary Investment Guide 20220603.pdf |
| &nbsp;&nbsp;CoreVest DSCR Guidelines Clean (June 2021).pdf |
| &nbsp;&nbsp;CoreVest DSCR Guidelines Feb 2022 Final.pdf |
| &nbsp;&nbsp;CoreVest Finance - Underwriting Guidelines v34 FINAL.pdf |

---

17 \| P a g e

## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Tape Discrepancies** | **Tape Discrepancies** | **Tape Discrepancies** | **Tape Discrepancies** |  |  |  |  |  |  |  |
| **Dummy ID** | **Loan #1** | **Loan #2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| 4HNAEWK1UBR | xx | xx | Subject Property Type | Blanket | Single Family |  |  | The Appraisal dated xx reflects the subject property as a Blanket. | Initial |  |
| RFCEADP2B1Y | xx | xx | ARM Lifetime Floor Percent | Not Applicable | 4.990% |  |  | Loan is Fixed Rate. | Initial |  |
| RFCEADP2B1Y | xx | xx | Subject Property Type | Blanket | Single Family |  |  | The Appraisal dated xx reflects the subject property as a Blanket. | Initial |  |
| 4LYDITAAEL0 | xx | xx | Original Appraised Value | xx | xx | xxx | 2.10772% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| 4LYDITAAEL0 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Final CD reflects Purpose of Transaction as Cash-out. | Initial |  |
| 4LYDITAAEL0 | xx | xx | Subject Property Type | Blanket | Single Family |  |  | The Appraisal dated xx reflects the subject property as a Blanket. | Initial |  |
| 1HVZB5GE44B | xx | xx | First Rate Change Date | xx | xx | -31 (Days) |  | The Note documents dated xx reflects First Rate Change Date as xx. | Initial |  |
| 1HVZB5GE44B | xx | xx | Original Appraised Value | xx | xx | xxx | 100.00000% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| 1HVZB5GE44B | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Final CD reflects Purpose of Transaction as Cash-out. | Initial |  |
| 1HVZB5GE44B | xx | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | Loan is refinance. | Initial |  |
| 1HVZB5GE44B | xx | xx | Subject Property Type | Blanket | Single Family |  |  | The Appraisal dated xx reflects the subject property as a Blanket. | Initial |  |
| LYZMSDJNS2R | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.16 | 1.07 | 0.09 | 8.41121% | Monthly rent as per Appraisal equals $2,475.00 and monthly PITIA of Subject property equals $2,136.87 DSCR equals 1.16. | Initial |  |
| LYZMSDJNS2R | xx | xx | Stated Remaining Term | 360 | 359 | 1 | 0.27855% | The Note reflects the Stated Remaining Term is 360. | Initial |  |
| ZPKWJ1SSPD0 | xx | xx | Original Appraisal Date | xx | xx | -3 (Days) |  | The Appraisal reflects the effective date as xx. | Initial |  |
| JXQIXKTOXPU | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.83 | 1.68 | 0.15 | 8.92857% | Monthly rent as per Appraisal equals $3,950.00 and monthly PITIA of Subject property equals $2,158.06 DSCR equals 1.83. | Initial |  |
| FWAPTQ5NF3W | xx | xx | Borrower DTI Ratio Percent | 50.193% | 43.330% | 6.863% | 6.86300% | Total subject property PITIA (P&I $1,923.07 + Real Estate Taxes $175.00 + Hazard Insurance $164.59) equals $2,262.66 and monthly other debts equals $111.70. Total verified monthly income equals $4,730.42. Borrower DTI ratio equals 50.193%. | Initial |  |
| FWAPTQ5NF3W | xx | xx | Housing Ratio per U/W (Initial Rate) | 47.832% | 41.292% | 6.540% | 6.54000% | Total subject property PITIA (P&I $1,923.07 + Real Estate Taxes $175.00 + Hazard Insurance $164.59) equals $2,262.66. Total verified monthly income equals $4,730.42. Housing Ratio equals 47.832%. | Initial |  |
| C0SSINGA0EW | xx | xx | Original Note Doc Date | xx | xx | -21 (Days) |  | The Note reflects the original note doc date as xx. | Initial |  |
| SVLVLMGBWGI | xx | xx | Original Appraisal Date | xx | xx | -10 (Days) |  | The Appraisal reflects the effective date as xx. | Initial |  |
| FGULBW4IDKM | xx | xx | Original Appraised Value | xx | xx | xxx | 10.36036% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| L5UJXWFGVPQ | xx | xx | Original Appraisal Date | xx | xx | 19 (Days) |  | The Appraisal reflects the effective date as xx. | Initial |  |
| FKUWZDPNFMX | xx | xx | Borrower DTI Ratio Percent | 34.293% | 30.180% | 4.113% | 4.11300% | The monthly payment of Non-subject primary residence equals $812.67 and monthly other debts equals $1,106.39. Total verified monthly income equals $5,596.06. Borrower DTI ratio equals 34.293%. | Initial |  |
| FKUWZDPNFMX | xx | xx | Housing Ratio per U/W (Initial Rate) | 14.522% | 8.956% | 5.566% | 5.56600% | The monthly payment of Non-subject primary residence equals $812.67. Total verified monthly income equals $5,596.06. Housing ratio equals 14.522%. | Initial |  |
| FKUWZDPNFMX | xx | xx | Original Appraisal Date | xx | xx | -2 (Days) |  | The Appraisal reflects the effective date as xx. | Initial |  |
| PEQL0EQAUC4 | xx | xx | Original Appraisal Date | xx | xx | -5 (Days) |  | The Appraisal reflects the effective date as xx. | Initial |  |
| PQ0O4IGDGHA | xx | xx | Loan Documentation Type | Full Documentation | Alternative |  |  | Loan documentation type is Alternative. | Initial |  |
| 4XSDQM04XSY | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.16 | 1.43 | -0.27 | -18.88111% | Monthly rent as per Appraisal equals $4,758.00 and monthly PITIA of Subject property equals $4,098.43 DSCR equals 1.16. | Initial |  |
| HJGBM3OJEGU | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.37 | 1.73 | -0.36 | -20.80924% | Monthly rent as per Appraisal equals $6,550.00 and monthly PITIA of Subject property equals $4,775.3 DSCR equals 1.37. | Initial |  |
| HJGBM3OJEGU | xx | xx | Original Stated P&I | $3937.80 | $4072.39 | $-134.59 | -3.30493% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| PGX4HAYHDBC | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| PGX4HAYHDBC | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.44 | 1.16 | 0.28 | 24.13793% | Monthly rent as per Appraisal equals $1,100.00 and monthly PITIA of Subject property equals $763.77 DSCR equals 1.44. | Initial |  |
| PGX4HAYHDBC | xx | xx | Original Stated P&I | $501.40 | $506.43 | $-5.03 | -0.99322% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| PGX4HAYHDBC | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | Final CD reflects Purpose of Transaction as refinance. | Initial |  |
| PGX4HAYHDBC | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Final Application reflects Purpose per Application as refinance. | Initial |  |
| PGX4HAYHDBC | xx | xx | Stated Maturity Date | xx | xx | -366 (Days) |  | The Note reflects the Maturity Date as xx. | Initial |  |
| OQ5YP4ZBN5Z | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| OQ5YP4ZBN5Z | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.25 | 1.00 | 0.25 | 25.00000% | Monthly rent as per Appraisal equals $1,100.00 and monthly PITIA of Subject property equals $879.75 DSCR equals 1.25. | Initial |  |
| OQ5YP4ZBN5Z | xx | xx | Original Appraised Value | xx | xx | xxx | 0.04228% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| OQ5YP4ZBN5Z | xx | xx | Original Stated P&I | $564.67 | $570.34 | $-5.67 | -0.99414% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| OQ5YP4ZBN5Z | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Final CD reflects Purpose of Transaction as refinance. | Initial |  |
| OQ5YP4ZBN5Z | xx | xx | Stated Maturity Date | xx | xx | -366 (Days) |  | The Note reflects the Maturity Date as xx. | Initial |  |
| 5O2BCG3HGKY | xx | xx | B1 Credit Score | 707 | 686 | 21 | 3.06122% | The credit report dated 8/17/2021 reflects B1 Credit Score as 707. | Initial |  |
| 5O2BCG3HGKY | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| 5O2BCG3HGKY | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.25 | 1.38 | -0.13 | -9.42028% | Monthly rent as per Appraisal equals $1,300.00 and monthly PITIA of Subject property equals $1,040.23 DSCR equals 1.25. | Initial |  |
| 5O2BCG3HGKY | xx | xx | Original Note Doc Date | xx | xx | -78 (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| 5O2BCG3HGKY | xx | xx | Original Stated P&I | $725.25 | $731.99 | $-6.74 | -0.92077% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| 5O2BCG3HGKY | xx | xx | Property Address Street | xx | xx |  |  | The Note signed on xx reflects the Property Address Street as xx. | Initial |  |
| 5O2BCG3HGKY | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Final CD reflects Purpose of Transaction as Refinance. | Initial |  |
| 5O2BCG3HGKY | xx | xx | Stated Maturity Date | xx | xx | -366 (Days) |  | The Note reflects the Maturity Date as xx. | Initial |  |
| SJKQXL1W5AO | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| SJKQXL1W5AO | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.44 | 1.15 | 0.29 | 25.21739% | Monthly rent as per Appraisal equals $750.00 and monthly PITIA of Subject property equals $520.64 DSCR equals 1.44. | Initial |  |
| SJKQXL1W5AO | xx | xx | Original Stated P&I | $348.59 | $352.09 | $-3.50 | -0.99406% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| SJKQXL1W5AO | xx | xx | Stated Maturity Date | xx | xx | -366 (Days) |  | The Note reflects the Maturity Date as xx. | Initial |  |
| GAD2G25UGU2 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.85 | 1.06 | 0.79 | 74.52830% | Monthly rent as per Appraisal equals $1,100.00 and monthly PITIA of Subject property equals $594.86 DSCR equals 1.85. | Initial |  |
| GAD2G25UGU2 | xx | xx | Original Stated P&I | $423.72 | $427.84 | $-4.12 | -0.96297% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| GAD2G25UGU2 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Final CD reflects Purpose of Transaction as Refinance. | Initial |  |
| GAD2G25UGU2 | xx | xx | Stated Maturity Date | xx | xx | -366 (Days) |  | The Note reflects the Maturity Date as xx. | Initial |  |
| SADWFUQOUGW | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.37 | 1.17 | 0.20 | 17.09401% | Monthly rent as per Appraisal equals $650.00 and monthly PITIA of Subject property equals $475.12 DSCR equals 1.37. | Initial |  |
| SADWFUQOUGW | xx | xx | Original Stated P&I | $305.77 | $308.51 | $-2.74 | -0.88813% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| FCATIBVH5L5 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.76 | 1.81 | -0.05 | -2.76243% | Monthly rent as per Appraisal equals $975.00 and monthly PITIA of Subject property equals $555.18 DSCR equals 1.76. | Initial |  |
| FCATIBVH5L5 | xx | xx | Original Stated P&I | $404.70 | $408.32 | $-3.62 | -0.88655% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| U0HHACQW0LT | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.75 | 1.31 | 0.44 | 33.58778% | Monthly rent as per Appraisal equals $6075.00 and monthly PITIA of Subject property equals $3,465.45 DSCR equals 1.75. | Initial |  |
| TIJCMYIXK1Y | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| TIJCMYIXK1Y | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.25 | 1.43 | -0.18 | -12.58741% | Monthly rent as per Appraisal equals $750.00 and monthly PITIA of Subject property equals $599.35 DSCR equals 1.25. | Initial |  |
| TIJCMYIXK1Y | xx | xx | Original Appraised Value | xx | xx | xxx | -0.03611% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| TIJCMYIXK1Y | xx | xx | Original Stated P&I | $431.68 | $435.54 | $-3.86 | -0.88625% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| JQFIDQWAURH | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.72 | 4.35 | -2.63 | -60.45977% | Monthly rent as per Appraisal equals $750.00 and monthly PITIA of Subject property equals $435.00 DSCR equals 1.72. | Initial |  |
| JQFIDQWAURH | xx | xx | Original Stated P&I | $283.34 | $286.29 | $-2.95 | -1.03042% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| S1PC5VFBULO | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.62 | 1.16 | 0.46 | 39.65517% | Monthly rent as per Appraisal equals $750.00 and monthly PITIA of Subject property equals $463.60 DSCR equals 1.62. | Initial |  |
| S1PC5VFBULO | xx | xx | Original Stated P&I | $301.27 | $303.97 | $-2.70 | -0.88824% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| S1PC5VFBULO | xx | xx | Property Postal Code | xx | xx |  |  | Note dated xx reflects the Property Postal Code as xx. | Initial |  |
| 42ATFL0XSVH | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.58 | 1.04 | 0.54 | 51.92307% | Monthly rent as per Appraisal equals $750.00 and monthly PITIA of Subject property equals $475.89 DSCR equals 1.58. | Initial |  |
| 42ATFL0XSVH | xx | xx | Original Stated P&I | $312.52 | $315.31 | $-2.79 | -0.88484% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| 42ATFL0XSVH | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Final CD reflects Purpose of Transaction as Refinance. | Initial |  |
| I0YY53E5HML | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| I0YY53E5HML | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.28 | 1.11 | 0.17 | 15.31531% | Monthly rent as per Appraisal equals $650.00 and monthly PITIA of Subject property equals $506.23 DSCR equals 1.28. | Initial |  |
| I0YY53E5HML | xx | xx | Original Stated P&I | $376.81 | $380.14 | $-3.33 | -0.87599% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| LSX5KXCCN5C | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.31 | 1.20 | 0.11 | 9.16666% | Monthly rent as per Appraisal equals $725.00 and monthly PITIA of Subject property equals $551.81 DSCR equals 1.31. | Initial |  |
| LSX5KXCCN5C | xx | xx | Original Stated P&I | $395.70 | $399.25 | $-3.55 | -0.88916% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| 3JTJJHIGAHA | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.47 | 1.17 | 0.30 | 25.64102% | Monthly rent as per Appraisal equals $750.00 and monthly PITIA of Subject property equals $509.95 DSCR equals 1.47. | Initial |  |
| 3JTJJHIGAHA | xx | xx | Original Stated P&I | $337.25 | $340.27 | $-3.02 | -0.88753% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| BHLV0NRELBV | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.48 | 1.13 | 0.35 | 30.97345% | Monthly rent as per Appraisal equals $800.00 and monthly PITIA of Subject property equals $539.87 DSCR equals 1.48. | Initial |  |
| BHLV0NRELBV | xx | xx | Original Stated P&I | $376.87 | $380.42 | $-3.55 | -0.93317% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| BHLV0NRELBV | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Final CD reflects Purpose of Transaction as Refinance. | Initial |  |
| BHLV0NRELBV | xx | xx | Stated Maturity Date | xx | xx | -366 (Days) |  | The Note reflects the Maturity Date as xx. | Initial |  |
| MYTEB13DLH5 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.78 | 1.20 | 0.58 | 48.33333% | Monthly rent as per Appraisal equals $850.00 and monthly PITIA of Subject property equals $478.48 DSCR equals 1.78. | Initial |  |
| MYTEB13DLH5 | xx | xx | Original Stated P&I | $369.76 | $373.24 | $-3.48 | -0.93237% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| MYTEB13DLH5 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Final CD reflects Purpose of Transaction as Refinance. | Initial |  |
| MYTEB13DLH5 | xx | xx | Stated Maturity Date | xx | xx | -366 (Days) |  | The Note reflects the Maturity Date as xx. | Initial |  |
| 1OA3UWL2ZXE | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.25 | 1.93 | -0.68 | -35.23316% | Monthly rent as per Appraisal equals $1,000.00 and monthly PITIA of Subject property equals $799.69 DSCR equals 1.25. | Initial |  |
| 1OA3UWL2ZXE | xx | xx | Original Appraised Value | xx | xx | xxx | -0.03168% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| 1OA3UWL2ZXE | xx | xx | Original Stated P&I | $538.24 | $543.64 | $-5.40 | -0.99330% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| 1OA3UWL2ZXE | xx | xx | Stated Maturity Date | xx | xx | -366 (Days) |  | The Note reflects the Maturity Date as xx. | Initial |  |
| IKRJYBPFRE2 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.25 | 1.29 | -0.04 | -3.10077% | Monthly rent as per Appraisal equals $2,000.00 and monthly PITIA of Subject property equals $1,599.52 DSCR equals 1.25. | Initial |  |
| IKRJYBPFRE2 | xx | xx | Original Stated P&I | $961.02 | $969.40 | $-8.38 | -0.86445% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| IKRJYBPFRE2 | xx | xx | Stated Maturity Date | xx | xx | -366 (Days) |  | The Note reflects the Maturity Date as xx. | Initial |  |
| JJMOXMBDUV5 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.25 | 1.07 | 0.18 | 16.82242% | Monthly rent as per Appraisal equals $1,200.00 and monthly PITIA of Subject property equals $959.91 DSCR equals 1.25. | Initial |  |
| JJMOXMBDUV5 | xx | xx | Original Appraised Value | xx | xx | xxx | -0.02877% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| JJMOXMBDUV5 | xx | xx | Original Stated P&I | $489.35 | $493.64 | $-4.29 | -0.86905% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| JJMOXMBDUV5 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Final CD reflects Purpose of Transaction as Cash-out. | Initial |  |
| JJMOXMBDUV5 | xx | xx | Stated Maturity Date | xx | xx | -366 (Days) |  | The Note reflects the Maturity Date as xx. | Initial |  |
| MIGPTHBU01G | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.76 | 1.03 | 0.73 | 70.87378% | Monthly rent as per Appraisal equals $975.00 and monthly PITIA of Subject property equals $555.28 DSCR equals 1.76. | Initial |  |
| MIGPTHBU01G | xx | xx | Original Stated P&I | $382.21 | $385.64 | $-3.43 | -0.88943% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| MIGPTHBU01G | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Note does not reflect Prepayment Penalty. | Initial |  |
| MIGPTHBU01G | xx | xx | Prepayment Penalty Term Months | Not Applicable | 60 |  |  | Note does not reflect Prepayment Penalty Term. | Initial |  |
| MIGPTHBU01G | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Final CD reflects Purpose of Transaction as Refinance. | Initial |  |
| BV0DRV4JL2O | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.60 | 1.21 | 0.39 | 32.23140% | Monthly rent as per Appraisal equals $875.00 and monthly PITIA of Subject property equals $548.41 DSCR equals 1.60. | Initial |  |
| BV0DRV4JL2O | xx | xx | Original Stated P&I | $339.96 | $343.27 | $-3.31 | -0.96425% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| BV0DRV4JL2O | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Note does not reflect Prepayment Penalty. | Initial |  |
| BV0DRV4JL2O | xx | xx | Prepayment Penalty Term Months | Not Applicable | 60 |  |  | Note does not reflect Prepayment Penalty Term. | Initial |  |
| BV0DRV4JL2O | xx | xx | Property Postal Code | xx | xx |  |  | Note dated xx reflects the Property Postal Code as xx. | Initial |  |
| UMDSJ3GT0NO | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.25 | 1.08 | 0.17 | 15.74074% | Monthly rent as per Appraisal equals $1,300.00 and monthly PITIA of Subject property equals $1,039.88 DSCR equals 1.25. | Initial |  |
| UMDSJ3GT0NO | xx | xx | Original Appraised Value | xx | xx | xxx | 0.04601% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| UMDSJ3GT0NO | xx | xx | Original Stated P&I | $667.17 | $673.86 | $-6.69 | -0.99278% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| UMDSJ3GT0NO | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Note does not reflect Prepayment Penalty. | Initial |  |
| UMDSJ3GT0NO | xx | xx | Prepayment Penalty Term Months | Not Applicable | 60 |  |  | Note does not reflect Prepayment Penalty Term. | Initial |  |
| UMDSJ3GT0NO | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Final CD reflects Purpose of Transaction as Cash-out. | Initial |  |
| OM4DIVW50F5 | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| OM4DIVW50F5 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.32 | 1.44 | -0.12 | -8.33333% | Monthly rent as per Appraisal equals $1,100.00 and monthly PITIA of Subject property equals $833.95 DSCR equals 1.32. | Initial |  |
| OM4DIVW50F5 | xx | xx | Original Stated P&I | $541.97 | $547.24 | $-5.27 | -0.96301% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| OM4DIVW50F5 | xx | xx | Property Postal Code | xx | xx |  |  | Note dated xx reflects the Property Postal Code as xx. | Initial |  |
| OM4DIVW50F5 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Final CD reflects Purpose of Transaction as Refinance. | Initial |  |
| CBGH21MGCFD | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.56 | 1.25 | 0.31 | 24.80000% | Monthly rent as per Appraisal equals $1,000.00 and monthly PITIA of Subject property equals $641.72 DSCR equals 1.56. | Initial |  |
| CBGH21MGCFD | xx | xx | Original Stated P&I | $416.33 | $420.38 | $-4.05 | -0.96341% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| Z5J0FGYUBQS | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.86 | 1.01 | 0.85 | 84.15841% | Monthly rent as per Appraisal equals $900.00 and monthly PITIA of Subject property equals $483.38 DSCR equals 1.86. | Initial |  |
| Z5J0FGYUBQS | xx | xx | First Payment Date | xx | xx | 365 (Days) |  | Note dated xx reflects first payment date as xx. | Initial |  |
| Z5J0FGYUBQS | xx | xx | Original Stated P&I | $348.59 | $352.09 | $-3.50 | -0.99406% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| Z5J0FGYUBQS | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Final CD reflects Purpose of Transaction as Refinance. | Initial |  |
| EBXABN5SA2V | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.75 | 1.38 | 0.37 | 26.81159% | Monthly rent as per Appraisal equals $995.00 and monthly PITIA of Subject property equals $570.10 DSCR equals 1.75. | Initial |  |
| EBXABN5SA2V | xx | xx | Original Stated P&I | $443.43 | $447.74 | $-4.31 | -0.96261% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| K31RCH0KWBY | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.79 | 1.71 | 0.08 | 4.67836% | Monthly rent as per Appraisal equals $900.00 and monthly PITIA of Subject property equals $502.31 DSCR equals 1.79. | Initial |  |
| K31RCH0KWBY | xx | xx | Original Stated P&I | $363.80 | $367.01 | $-3.21 | -0.87463% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| OL1SLBY0MLO | xx | xx | Debt Service Coverage Ratio (DSCR) | 2.20 | 1.61 | 0.59 | 36.64596% | Monthly rent as per Appraisal equals $1,300.00 and monthly PITIA of Subject property equals $591.60 DSCR equals 2.20. | Initial |  |
| OL1SLBY0MLO | xx | xx | Original Stated P&I | $377.11 | $380.44 | $-3.33 | -0.87530% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| EOSWOXUZNTT | xx | xx | Debt Service Coverage Ratio (DSCR) | 3.18 | 1.46 | 1.72 | 117.80821% | Monthly rent as per Appraisal equals $5,625.00 and monthly PITIA of Subject property equals $1,766.29 DSCR equals 3.18. | Initial |  |
| EOSWOXUZNTT | xx | xx | Original Appraised Value | xx | xx | xxx | 0.05670% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| EOSWOXUZNTT | xx | xx | Original Note Doc Date | xx | xx | -3 (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| EOSWOXUZNTT | xx | xx | Original Stated P&I | $1572.75 | $1584.30 | $-11.55 | -0.72902% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| 1PQDLGGVFLT | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.71 | 1.13 | 0.58 | 51.32743% | Monthly rent as per Appraisal equals $950.00 and monthly PITIA of Subject property equals $555.05 DSCR equals 1.71. | Initial |  |
| 1PQDLGGVFLT | xx | xx | Original Stated P&I | $421.47 | $425.19 | $-3.72 | -0.87490% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| PZUJDZWRPIK | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.78 | 2.50 | -0.72 | -28.80000% | Monthly rent as per Appraisal equals $950.00 and monthly PITIA of Subject property equals $535.10 DSCR equals 1.78. | Initial |  |
| PZUJDZWRPIK | xx | xx | First Payment Date | xx | xx | 30 (Days) |  | Note dated xx reflects first payment date as xx. | Initial |  |
| VF3NHFXQYPJ | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.49 | 1.01 | 0.48 | 47.52475% | Monthly rent as per Appraisal equals $4,356.00 and monthly PITIA of Subject property equals $2,920.16 DSCR equals 1.49. | Initial |  |
| VF3NHFXQYPJ | xx | xx | Original Appraised Value | xx | xx | xxx | -0.04443% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| VF3NHFXQYPJ | xx | xx | Original Stated P&I | $1943.42 | $1960.10 | $-16.68 | -0.85097% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| VF3NHFXQYPJ | xx | xx | Purpose of Transaction per HUD-1 | Purchase | Cash Out |  |  | Final CD reflects Purpose of Transaction as Purchase. | Initial |  |
| VF3NHFXQYPJ | xx | xx | Purpose Per Application | Purchase | Refinance |  |  | Final Application reflect purpose per Application as Purchase. | Initial |  |
| LFJHJNRW2DV | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| LFJHJNRW2DV | xx | xx | Debt Service Coverage Ratio (DSCR) | 3.22 | 1.71 | 1.51 | 88.30409% | Monthly rent as per Appraisal equals $17,290.00 and monthly PITIA of Subject property equals $5,377.89 DSCR equals 3.22. | Initial |  |
| LFJHJNRW2DV | xx | xx | Original Appraised Value | xx | xx | xxx | -0.05880% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| LFJHJNRW2DV | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Note does not reflect Prepayment Penalty. | Initial |  |
| LFJHJNRW2DV | xx | xx | Prepayment Penalty Term Months | Not Applicable | 60 |  |  | Note does not reflect Prepayment Penalty Term. | Initial |  |
| CXJN0STTAKU | xx | xx | Borrower 1 Foreign National Indicator | Unavailable | No |  |  | Final Application is missing. | Initial |  |
| CXJN0STTAKU | xx | xx | Debt Service Coverage Ratio (DSCR) | 2.38 | 1.35 | 1.03 | 76.29629% | Monthly rent as per Appraisal equals $1,840.00 and monthly PITIA of Subject property equals $773.07 DSCR equals 2.38. | Initial |  |
| CXJN0STTAKU | xx | xx | Original Appraised Value | xx | xx | xxx | 0.00699% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| CXJN0STTAKU | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Note does not reflect Prepayment Penalty. | Initial |  |
| CXJN0STTAKU | xx | xx | Prepayment Penalty Term Months | Not Applicable | 60 |  |  | Note does not reflect Prepayment Penalty Term. | Initial |  |
| OHMTUX1IMLZ | xx | xx | Borrower 1 Foreign National Indicator | Unavailable | Yes |  |  | Final Application is missing. | Initial |  |
| OHMTUX1IMLZ | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| OHMTUX1IMLZ | xx | xx | Debt Service Coverage Ratio (DSCR) | 3.42 | 1.11 | 2.31 | 208.10810% | Monthly rent as per Appraisal equals $14,079.96 and monthly PITIA of Subject property equals $4115.96 DSCR equals 3.42. | Initial |  |
| OHMTUX1IMLZ | xx | xx | Original Appraised Value | xx | xx | xxx | 0.05503% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| OHMTUX1IMLZ | xx | xx | Original Stated P&I | $3915.96 | $3951.94 | $-35.98 | -0.91043% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| OHMTUX1IMLZ | xx | xx | Prepayment Penalty Indicator | Unavailable | Yes |  |  | Note does not reflect Prepayment Penalty. | Initial |  |
| OHMTUX1IMLZ | xx | xx | Prepayment Penalty Term Months | Unavailable | 60 |  |  | Note does not reflect Prepayment Penalty Term. | Initial |  |
| YE0JZHMB4HV | xx | xx | Borrower 1 Foreign National Indicator | Unavailable | No |  |  | Final Application is missing. | Initial |  |
| YE0JZHMB4HV | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| YE0JZHMB4HV | xx | xx | Debt Service Coverage Ratio (DSCR) | 2.01 | 1.37 | 0.64 | 46.71532% | Monthly rent as per Appraisal equals $12,785.00 and monthly PITIA of Subject property equals $6,329.61 DSCR equals 2.01. | Initial |  |
| YE0JZHMB4HV | xx | xx | Original Appraised Value | xx | xx | xxx | 0.02254% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| 1VHULPT2LDL | xx | xx | Amortization Term Months (CE, S&P) | 360 | 240 | 120 | 50.00000% | Note reflects Amortization Term is 360. | Initial |  |
| 1VHULPT2LDL | xx | xx | B1 Credit Score | 669 | 729 | -60 | -8.23045% | The credit report dated 12/14/2021 reflects B1 Credit Score as 669. | Initial |  |
| 1VHULPT2LDL | xx | xx | Borrower 1 Foreign National Indicator | Unavailable | No |  |  | Final Application is missing. | Initial |  |
| 1VHULPT2LDL | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| 1VHULPT2LDL | xx | xx | Debt Service Coverage Ratio (DSCR) | 2.35 | 1.23 | 1.12 | 91.05691% | Monthly rent as per Appraisal equals $45,716.00 and monthly PITIA of Subject property equals $19,461.39 DSCR equals 2.35. | Initial |  |
| 1VHULPT2LDL | xx | xx | Original Appraised Value | xx | xx | xxx | 0.01272% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| 1VHULPT2LDL | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Note does not reflect Prepayment Penalty. | Initial |  |
| 1VHULPT2LDL | xx | xx | Prepayment Penalty Term Months | Not Applicable | 60 |  |  | Note does not reflect Prepayment Penalty Term. | Initial |  |
| HBL4SUCJHGS | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| HBL4SUCJHGS | xx | xx | Debt Service Coverage Ratio (DSCR) | 2.61 | 1.28 | 1.33 | 103.90625% | Monthly rent as per Appraisal equals $29,424.96 and monthly PITIA of Subject property equals $11,287.53 DSCR equals 2.61. | Initial |  |
| HBL4SUCJHGS | xx | xx | Prepayment Penalty Indicator | Unavailable | Yes |  |  | Note does not reflect Prepayment Penalty. | Initial |  |
| HBL4SUCJHGS | xx | xx | Prepayment Penalty Term Months | Unavailable | 60 |  |  | Note does not reflect Prepayment Penalty Term. | Initial |  |
| 3PMJKC2XCGI | xx | xx | Borrower 1 Foreign National Indicator | Unavailable | No |  |  | Final Application is missing. | Initial |  |
| 3PMJKC2XCGI | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| 3PMJKC2XCGI | xx | xx | Debt Service Coverage Ratio (DSCR) | 2.01 | 1.63 | 0.38 | 23.31288% | Monthly rent as per Appraisal equals $16,297.00 and monthly PITIA of Subject property equals $8,091.87 DSCR equals 2.01. | Initial |  |
| 3PMJKC2XCGI | xx | xx | Prepayment Penalty Indicator | Unavailable | Yes |  |  | Note does not reflect Prepayment Penalty. | Initial |  |
| 3PMJKC2XCGI | xx | xx | Prepayment Penalty Term Months | Unavailable | 60 |  |  | Note does not reflect Prepayment Penalty Term. | Initial |  |
| NLR2I02QBP5 | xx | xx | B1 Credit Score | 786 | 787 | -1 | -0.12706% | The credit report dated 11/24/2021 reflects B1 Credit Score as 786. | Initial |  |
| NLR2I02QBP5 | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| NLR2I02QBP5 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.07 | 2.05 | -0.98 | -47.80487% | Monthly rent as per Appraisal equals $10,365.00 and monthly PITIA of Subject property equals $9,693.14 DSCR equals 1.07. | Initial |  |
| NLR2I02QBP5 | xx | xx | Original Appraised Value | xx | xx | xxx | 0.05341% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| NLR2I02QBP5 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 4.686% | 4.68600% | Collateral Value used for Underwriting: xx. Loan Amount: xx. LTV = xx. | Initial |  |
| NLR2I02QBP5 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Note does not reflect Prepayment Penalty. | Initial |  |
| NLR2I02QBP5 | xx | xx | Prepayment Penalty Term Months | Not Applicable | 60 |  |  | Note does not reflect Prepayment Penalty Term. | Initial |  |
| NLR2I02QBP5 | xx | xx | Stated Maturity Date | xx | xx | -30 (Days) |  | The Note reflects the Maturity Date as xx. | Initial |  |
| 4XWIFIE4FTV | xx | xx | B1 Credit Score | 689 | 687 | 2 | 0.29112% | The credit report dated 1/14/2022 reflects B1 Credit Score as 689. | Initial |  |
| 4XWIFIE4FTV | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| 4XWIFIE4FTV | xx | xx | Debt Service Coverage Ratio (DSCR) | 2.06 | 1.81 | 0.25 | 13.81215% | Monthly rent as per Appraisal equals $29,649.99 and monthly PITIA of Subject property equals $14,371.53 DSCR equals 2.06. | Initial |  |
| 4XWIFIE4FTV | xx | xx | Original Appraised Value | xx | xx | xxx | -1.11554% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| 4XWIFIE4FTV | xx | xx | Original Stated P&I | $13261.31 | $13384.47 | $-123.16 | -0.92017% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| 4XWIFIE4FTV | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Note does not reflect Prepayment Penalty. | Initial |  |
| 4XWIFIE4FTV | xx | xx | Prepayment Penalty Term Months | Not Applicable | 60 |  |  | Note does not reflect Prepayment Penalty Term. | Initial |  |
| VRV0ZD4TIE5 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.56 | 1.45 | 0.11 | 7.58620% | Monthly rent as per Appraisal equals $3,350.00 and monthly PITIA of Subject property equals $2,146.49 DSCR equals 1.56. | Initial |  |
| 1SSBQWD2WX3 | xx | xx | Borrower 1 Foreign National Indicator | Unavailable | No |  |  | Final Application is missing. | Initial |  |
| 1SSBQWD2WX3 | xx | xx | Debt Service Coverage Ratio (DSCR) | 0.91 | 1.36 | -0.45 | -33.08823% | Monthly rent as per Appraisal equals $2,725.00 and monthly PITIA of Subject property equals $2,980.42 DSCR equals 0.91. | Initial |  |
| 1SSBQWD2WX3 | xx | xx | Original Appraised Value | xx | xx | xxx | 0.02806% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| 1SSBQWD2WX3 | xx | xx | Original Note Doc Date | xx | xx | 2 (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| 1SSBQWD2WX3 | xx | xx | Original Stated P&I | $2256.57 | $2275.95 | $-19.38 | -0.85151% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| 1SSBQWD2WX3 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Note does not reflect Prepayment Penalty. | Initial |  |
| 1SSBQWD2WX3 | xx | xx | Prepayment Penalty Term Months | Not Applicable | 60 |  |  | Note does not reflect Prepayment Penalty Term. | Initial |  |
| 1SSBQWD2WX3 | xx | xx | Stated Maturity Date | xx | xx | 37 (Days) |  | The Note reflects the Maturity Date as xx. | Initial |  |
| WDJMFTVBACM | xx | xx | Borrower 1 Foreign National Indicator | Unavailable | No |  |  | Final Application is missing. | Initial |  |
| WDJMFTVBACM | xx | xx | Debt Service Coverage Ratio (DSCR) | 0.83 | 1.55 | -0.72 | -46.45161% | Monthly rent as per Appraisal equals $3,000.00 and monthly PITIA of Subject property equals $3,615.73 DSCR equals 0.83. | Initial |  |
| WDJMFTVBACM | xx | xx | First Payment Date | xx | xx | 31 (Days) |  | Note dated xx reflects first payment date as xx. | Initial |  |
| WDJMFTVBACM | xx | xx | Interest Only Period? | No | Yes |  |  | Note reflects Interest Only Period is No. | Initial |  |
| WDJMFTVBACM | xx | xx | Original Note Doc Date | xx | xx | 8 (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| WDJMFTVBACM | xx | xx | Original Stated P&I | $2966.28 | $2195.70 | $770.58 | 35.09495% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| WDJMFTVBACM | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Final CD reflects Purpose of Transaction as Cash-out. | Initial |  |
| WDJMFTVBACM | xx | xx | Stated Maturity Date | xx | xx | 65 (Days) |  | The Note reflects the Maturity Date as xx. | Initial |  |
| UBVJ1VYRC4J | xx | xx | Borrower 1 Foreign National Indicator | Unavailable | No |  |  | Final Application is missing. | Initial |  |
| UBVJ1VYRC4J | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.69 | 1.75 | -0.06 | -3.42857% | Monthly rent as per Appraisal equals $1,050 and monthly PITIA of Subject property equals $620.13 DSCR equals 1.69. | Initial |  |
| UBVJ1VYRC4J | xx | xx | First Payment Date | xx | xx | 92 (Days) |  | Note dated xx reflects first payment date as xx. | Initial |  |
| UBVJ1VYRC4J | xx | xx | Original Note Doc Date | xx | xx | 89 (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| UBVJ1VYRC4J | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Note does not reflect Prepayment Penalty. | Initial |  |
| UBVJ1VYRC4J | xx | xx | Prepayment Penalty Term Months | Not Applicable | 60 |  |  | Note does not reflect Prepayment Penalty Term. | Initial |  |
| VZGUZZMFDPR | xx | xx | B1 Credit Score | 733 | 699 | 34 | 4.86409% | The credit report dated 10/11/2021 reflects B1 Credit Score as 733. | Initial |  |
| VZGUZZMFDPR | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| VZGUZZMFDPR | xx | xx | Debt Service Coverage Ratio (DSCR) | 2.13 | 1.45 | 0.68 | 46.89655% | Monthly rent as per Appraisal equals $7041 and monthly PITIA of Subject property equals $3308.96 DSCR equals 2.12. | Initial |  |
| VZGUZZMFDPR | xx | xx | Original Stated P&I | $4113.09 | $2293.92 | $1819.17 | 79.30398% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| VZGUZZMFDPR | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Final CD reflects Purpose of Transaction as Cash-out. | Initial |  |
| 0FLP4FZAUVQ | xx | xx | B1 Credit Score | 733 | 699 | 34 | 4.86409% | The credit report dated 10/11/2021 reflects B1 Credit Score as 733. | Initial |  |
| 0FLP4FZAUVQ | xx | xx | Debt Service Coverage Ratio (DSCR) | 2.25 | 1.07 | 1.18 | 110.28037% | Monthly rent as per Appraisal equals $10922.35 and monthly PITIA of Subject property equals $4852.54 DSCR equals 2.25. | Initial |  |
| 0FLP4FZAUVQ | xx | xx | Original Stated P&I | $6568.83 | $3663.52 | $2905.31 | 79.30378% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| MVRG0PVZUDB | xx | xx | Debt Service Coverage Ratio (DSCR) | 2.06 | 1.55 | 0.51 | 32.90322% | Monthly rent as per Appraisal equals $20500 and monthly PITIA of Subject property equals $9927.85 DSCR equals 2 | Initial |  |
| MVRG0PVZUDB | xx | xx | Original Stated P&I | $5522.98 | $5573.72 | $-50.74 | -0.91034% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| FCYKMP1WLOR | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.26 | 1.00 | 0.26 | 26.00000% | Monthly rent as per Appraisal equals $16190 and monthly PITIA of Subject property equals $12858.34 DSCR equals 1.26. | Initial |  |
| FCYKMP1WLOR | xx | xx | Original Stated P&I | $10226.24 | $10294.96 | $-68.72 | -0.66751% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| FCYKMP1WLOR | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | Final CD reflects Purpose of Transaction as Refinance. | Initial |  |
| FCYKMP1WLOR | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Final Application reflect Purpose per Application as Refinance. | Initial |  |
| VKX3LCMJR21 | xx | xx | B1 Credit Score | 762 | 765 | -3 | -0.39215% | The credit report dated 01/03/2022 reflects B1 Credit Score as 762. | Initial |  |
| VKX3LCMJR21 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.25 | 1.19 | 0.06 | 5.04201% | Monthly rent as per Appraisal equals $6250 and monthly PITIA of Subject property equals $4594.59 DSCR equals 1.36. | Initial |  |
| VKX3LCMJR21 | xx | xx | Original Appraised Value | xx | xx | xxx | 0.06329% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| VKX3LCMJR21 | xx | xx | Original Stated P&I | $3090.37 | $3113.97 | $-23.60 | -0.75787% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| VKX3LCMJR21 | xx | xx | Purpose of Transaction per HUD-1 | Purchase | Cash Out |  |  | Final CD reflects Purpose of Transaction as Purchase. | Initial |  |
| VKX3LCMJR21 | xx | xx | Purpose Per Application | Purchase | Refinance |  |  | Final Application reflect purpose per Application as Purchase. | Initial |  |
| VITWRCRG0ON | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.69 | 1.01 | 0.68 | 67.32673% | Monthly rent as per Appraisal equals $28310 and monthly PITIA of Subject property equals $16742.71 DSCR equals 1.69. | Initial |  |
| VITWRCRG0ON | xx | xx | Original Stated P&I | $12804.51 | $12882.01 | $-77.50 | -0.60161% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| VITWRCRG0ON | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Final CD reflects Purpose of Transaction as Refinance. | Initial |  |
| Y1CTKX23RZQ | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.70 | 2.35 | -0.65 | -27.65957% | Monthly rent as per Appraisal equals $4625 and monthly PITIA of Subject property equals $2722.59 DSCR equals 1.70 | Initial |  |
| Y1CTKX23RZQ | xx | xx | Original Stated P&I | $1892.78 | $1909.73 | $-16.95 | -0.88756% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| AOI1QQNNJF5 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.54 | 1.27 | 0.27 | 21.25984% | Monthly rent as per Appraisal equals $1000.00 and monthly PITIA of Subject property equals $690.04 DSCR equals 1.54. | Initial |  |
| AOI1QQNNJF5 | xx | xx | Purpose of Transaction per HUD-1 | Purchase | Cash Out |  |  | Final CD reflects Purpose of Transaction as Purchase. | Initial |  |
| AOI1QQNNJF5 | xx | xx | Purpose Per Application | Purchase | Refinance |  |  | Final Application reflect purpose per application as Purchase. | Initial |  |
| BRY4MII4IKB | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.58 | 1.16 | 0.42 | 36.20689% | Monthly rent as per Appraisal equals $10866 and monthly PITIA of Subject property equals $8179.15 DSCR equals 1.58 | Initial |  |
| BRY4MII4IKB | xx | xx | Original Stated P&I | $6790.05 | $6847.47 | $-57.42 | -0.83855% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| ODK0XYSVHDU | xx | xx | B1 Credit Score | 750 | 817 | -67 | -8.20073% | The credit report dated 1/20/2022 reflects B1 Credit Score as 750. | Initial |  |
| ODK0XYSVHDU | xx | xx | Borrower Last Name | xx | xx |  |  | The Note dated xx and signed at closing, reflects the Borrower Last Name as xx. | Initial |  |
| ODK0XYSVHDU | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.22 | 1.54 | -0.32 | -20.77922% | Monthly rent as per Appraisal equals $15685 and monthly PITIA of Subject property equals $12871 DSCR equals 1.22. | Initial |  |
| ODK0XYSVHDU | xx | xx | Original Appraised Value | xx | xx | xxx | -0.04076% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| ODK0XYSVHDU | xx | xx | Original Stated P&I | $10429.39 | $10509.04 | $-79.65 | -0.75791% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| LJ3DJOJMG35 | xx | xx | Borrower 1 Foreign National Indicator | Unavailable | No |  |  | Final Application is missing. | Initial |  |
| LJ3DJOJMG35 | xx | xx | Debt Service Coverage Ratio (DSCR) | 2.63 | 1.15 | 1.48 | 128.69565% | Monthly rent as per Appraisal equals $15720 and monthly PITIA of Subject property equals $8904.66 DSCR equals 2.63. | Initial |  |
| LJ3DJOJMG35 | xx | xx | Original Appraised Value | xx | xx | xxx | -0.04660% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| LJ3DJOJMG35 | xx | xx | Original Stated P&I | $5740.74 | $5782.90 | $-42.16 | -0.72904% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| EIJTWOBUFGV | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.97 | 1.16 | 0.81 | 69.82758% | Monthly rent as per Appraisal equals $9440 and monthly PITIA of Subject property equals $4794.14 DSCR equals 1.97 | Initial |  |
| EIJTWOBUFGV | xx | xx | Original Stated P&I | $3921.74 | $3950.54 | $-28.80 | -0.72901% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| 44T30SUXMU4 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.45 | 1.61 | -0.16 | -9.93788% | Monthly rent as per Appraisal equals $18250 and monthly PITIA of Subject property equals $12621.64 DSCR equals 1.45 | Initial |  |
| 44T30SUXMU4 | xx | xx | Original Appraised Value | xx | xx | xxx | 0.03031% | The Appraisal dated xx reflects the Original Appraised value as xx | Initial |  |
| 44T30SUXMU4 | xx | xx | Original Stated P&I | $11737.07 | $11826.70 | $-89.63 | -0.75786% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| IROZOEC2BEG | xx | xx | Debt Service Coverage Ratio (DSCR) | 2.38 | 1.56 | 0.82 | 52.56410% | Monthly rent as per Appraisal equals $4210 and monthly PITIA of Subject property equals $1765.72 DSCR equals 2.38 | Initial |  |
| IROZOEC2BEG | xx | xx | Original Note Doc Date | xx | xx | 1 (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| FC4WXWF2INI | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.16 | 1.13 | 0.03 | 2.65486% | Monthly rent as per Appraisal equals $3325 and monthly PITIA of Subject property equals $2878.03 DSCR equals 1.16 | Initial |  |
| FC4WXWF2INI | xx | xx | Original Stated P&I | $2713.53 | $2735.76 | $-22.23 | -0.81257% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| HPW5MS1K1BB | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.64 | 1.94 | -0.30 | -15.46391% | Monthly rent as per Appraisal equals $2,075 and monthly PITIA of Subject property equals $1,267.07 DSCR equals 1.63. | Initial |  |
| HPW5MS1K1BB | xx | xx | Original Stated P&I | $978.99 | $987.98 | $-8.99 | -0.90993% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| HPW5MS1K1BB | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | Final CD reflects Purpose of Transaction as Cash-out. | Initial |  |
| HPW5MS1K1BB | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Final Application reflect purpose per application as Refinance. | Initial |  |
| KTRIQIC3L5L | xx | xx | Borrower 1 Foreign National Indicator | Unavailable | No |  |  | Final Application is missing. | Initial |  |
| KTRIQIC3L5L | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.80 | 1.53 | 0.27 | 17.64705% | Monthly rent as per Appraisal equals $3800 and monthly PITIA of Subject property equals $2462.31 DSCR equals 1.54. | Initial |  |
| VWSTWJ4GNM1 | xx | xx | Amortization Term Months (CE, S&P) | 360 | 240 | 120 | 50.00000% | Note reflects Amortization Term is 360. | Initial |  |
| VWSTWJ4GNM1 | xx | xx | Borrower 1 Foreign National Indicator | Unavailable | No |  |  | Final Application is missing. | Initial |  |
| VWSTWJ4GNM1 | xx | xx | Debt Service Coverage Ratio (DSCR) | 2.00 | 1.11 | 0.89 | 80.18018% | Monthly rent as per Appraisal equals $3,900.00 and monthly PITIA of Subject property equals $1953.41 DSCR equals 2.0. | Initial |  |
| VWSTWJ4GNM1 | xx | xx | Original Stated P&I | $2031.97 | $1402.66 | $629.31 | 44.86546% | Note dated xx reflects Original Stated P&I as xx. | Initial |  |
| VWSTWJ4GNM1 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Note does not reflect Prepayment Penalty. | Initial |  |
| VWSTWJ4GNM1 | xx | xx | Prepayment Penalty Term Months | Not Applicable | 60 |  |  | Note does not reflect Prepayment Penalty Term. | Initial |  |
| VWSTWJ4GNM1 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Final CD reflects Purpose of Transaction as Cash-out. | Initial |  |
| RRAOXVGWIPW | xx | xx | Original Appraisal Date | xx | xx | -3 (Days) |  | The Appraisal reflects the effective date as xx. | Initial |  |
| 20BMGZ5M5N3 | xx | xx | Income B1 U/W | $37650.00 | $35644.17 | $2005.83 | 5.62737% | The Income documents submitted support Borrower monthly qualifying base income as $37,650.00. | Initial |  |
| QKBMYBZMF4A | xx | xx | Income B1 U/W | $36498.38 | $38773.20 | $-2274.82 | -5.86699% | The Income documents submitted support Borrower monthly qualifying base income as $36,498.38. | Initial |  |
| YDUSWD1OS55 | xx | xx | Income B1 U/W | $36943.57 | $38773.20 | $-1829.63 | -4.71880% | The Income documents submitted support Borrower monthly qualifying base income as $36,943.57. | Initial |  |
| KYPFTYPQCGY | xx | xx | Borrower DTI Ratio Percent | 33.327% | 36.690% | -3.363% | -3.36300% | Total subject property PITIA (P&I $2,884.24 + Real Estate Taxes $893.34 + Hazard Insurance $79.76) equals $$3,919.34 and monthly other debts equals $777.00. Total verified monthly income equals $14,091.67. Borrower DTI ratio equals 33.327%. | Initial |  |
| KYPFTYPQCGY | xx | xx | Income B1 U/W | $14091.67 | $12800.00 | $1291.67 | 10.09117% | The Income documents submitted support Borrower monthly qualifying base income as $14,091.67. | Initial |  |
| M0EJFDWWJST | xx | xx | Borrower DTI Ratio Percent | 32.941% | 41.470% | -8.529% | -8.52900% | The monthly payment of Non-subject primary residence equals $1,454.00 and monthly other debts equals $4,286.34. Total verified monthly income equals $17,426.06. Borrower DTI ratio equals 32.941%. | Initial |  |
| 94140453 | xx | xx | Original Appraised Value | xx | xx | xxx | 6.63321% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |
| TM5CL41OC0V | xx | xx | Original Appraised Value | xx | xx | xxx | 9.58770% | The Appraisal dated xx reflects the Original Appraised value as xx. | Initial |  |

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## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Dummy ID** | **Loan Number 1** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| 4HNAEWK1UBR | xx | xx | xx | New York | xx | Purchase | Not Covered/Exempt | 3 | 2 | Legal Docs | Title Issue | 4HNAEWK1UBR-H4EFAVZC | Resolved | 3 | R | \* Title holder is not an individual (Lvl R) | The subject property originated as LLC in the name of xx. The LLC agreement is missing from the loan file.<br>7-12-2022 - Provided LLC agreement. Hence, exception has been resolved. | 7-12-2022 - Provided LLC agreement. Hence, exception has been resolved. | 7-12-2022 - Provided LLC agreement. Hence, exception has been resolved. |  |  | QC Complete | 01/xx/2023 | 01/xx/2023 | 01/xx/2023 | 06/xx/2022 |
| 4HNAEWK1UBR | xx | xx | xx | New York | xx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Underwriting | 4HNAEWK1UBR-V81IZTFE | Resolved | 3 | R | \* Transmittal (1008) is Missing (Lvl R) | Provide 1008 as it is missing in package. | 7-12-2022 : Loan application to cure the exception raised against the final (1008)transmittal summary has been received which suffices the requirement - condition resolved. | 7-12-2022 : Loan application to cure the exception raised against the final (1008)transmittal summary has been received which suffices the requirement - condition resolved. |  |  | QC Complete | 01/xx/2023 | 01/xx/2023 | 01/xx/2023 | 06/xx/2022 |
| 4HNAEWK1UBR | xx | xx | xx | New York | xx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Credit | 4HNAEWK1UBR-U0OKEMMW | Waived | 3 | W | \* Required Documentation Missing or Incomplete (Lvl W) | Provide the missing 1004D as required by guidelines<br>7-12-2022 : the condition had been raised for 1004D / completion cert but have received secondary valuation which does not suffice the condition .condition not resolved.<br>07/xx/2022 - Not resolved - Received appraisal document which says "subject to the following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: Appraisal is subject to inspection of units 3 & 4 being completed.". 1004D / completion cert is still missing.<br>07/xx/2022 - Received approved exception request form stating "Due to covid concerns, Appraiser was unable to inspect every unit". |  |  | Borrower has a high credit score of 760, an as-stabilized DSCR of 1.7 as well as inheriting tenants from previous owner. |  | QC Complete | 01/xx/2023 |  |  | 01/xx/2023 |
| RFCEADP2B1Y | xx | xx | xx | Pennsylvania | xx | Purchase | Not Covered/Exempt | 3 | 1 | Legal Docs | Doc Issue | RFCEADP2B1Y-2XRZ4V9U | Resolved | 3 | R | \* Note is missing or unexecuted (Lvl R) | Provide a copy of note signed at closing.<br>07/xx/2022 - Received signed note. Hence, exception cleared. | 07/xx/2022 - Received signed note. Hence, exception cleared. | 07/xx/2022 - Received signed note. Hence, exception cleared. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 06/xx/2022 |
| RFCEADP2B1Y | xx | xx | xx | Pennsylvania | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | LTV | RFCEADP2B1Y-5BLYZ9QJ | Resolved | 4 | R | \* LTV or CLTV exceeds 104% (Lvl R) | As per lender guideline Maximum LTV allowed 80% however in this loan it is xx%, hence it is falling outside guideline. Appraisal value is xx and Sale price is xx<br> Am considering the lower value.<br>07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx so the total of both the appraisal is xx. Sales price is xx which is lower than appraised value due to which LTV is xx%. Hence, Condition is resolved. | 07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx so the total of both the appraisal is xx. Sales price is xx which is lower than appraised value due to which LTV is xx%. Hence, Condition is resolved. | 07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx so the total of both the appraisal is xx. Sales price is xx which is lower than appraised value due to which LTV is xx%. Hence, Condition is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 06/xx/2022 |
| RFCEADP2B1Y | xx | xx | xx | Pennsylvania | xx | Purchase | Not Covered/Exempt | 3 | 1 | Data Edit | Data Edit | RFCEADP2B1Y-MBKU1T8F | Resolved | 4 | R | \* Appraised value is less than loan amt. (Lvl R) | The Appraisal report reflects the appraised value as xx and the loan amount is xx which is resulting in the LTV of xx%<br>07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx so the total of both the appraisal is xx. Sales price is xx which is lower than appraised value due to which LTV is xx%. Hence, Condition is resolved. | 07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx so the total of both the appraisal is xx. Sales price is xx which is lower than appraised value due to which LTV is xx%. Hence, Condition is resolved. | 07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx so the total of both the appraisal is xx. Sales price isxx which is lower than appraised value due to which LTV is xx%. Hence, Condition is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 06/xx/2022 |
| RFCEADP2B1Y | xx | xx | xx | Pennsylvania | xx | Purchase | Not Covered/Exempt | 3 | 1 | Data Edit | Data Edit | RFCEADP2B1Y-V0NMLELM | Resolved | 4 | R | \* LTV / CLTV > 100% (Lvl R) | As per lender guideline maximum LTV allowed 80% however in this loan LTV is xx%, hence it is breaching the allowable threshold limit as per guideline. Appraisal value is xx and sale price is xx considering the lower value for LTV xx. The LTV to be recalculated once the missing appraisal for property "xx" is received.<br>07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx so the total of both the appraisal is xx. Sales price is xx which is lower than appraised value due to which LTV is xx%. Hence, Condition is resolved. | 07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx so the total of both the appraisal is xx. Sales price is xx which is lower than appraised value due to which LTV is xx%. Hence, Condition is resolved. | 07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx so the total of both the appraisal is xx. Sales price is xx which is lower than appraised value due to which LTV is xx%. Hence, Condition is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 06/xx/2022 |
| RFCEADP2B1Y | xx | xx | xx | Pennsylvania | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Title Review | RFCEADP2B1Y-D65QWGE6 | Resolved | 4 | R | \* Title Rvw shows lower lien position than loan docs (Lvl R) | The subject mortgage is in second lien position.<br> The review of the updated title report dated 6/2/2022 shows that there is a prior mortgage (Subject to Tax Deed) in the favor of xx. City bank of IN, in the amount of $78,000.00 which was recorded on 8/3/2005. | No open senior mortgage found per updated title report; hence, the exception has been resolved. | No open senior mortgage found per updated title report; hence, the exception has been resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 06/xx/2022 |
| RFCEADP2B1Y | xx | xx | xx | Pennsylvania | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Title Review | RFCEADP2B1Y-69C0M9L8 | Resolved | 4 | R | \* Signatures at closing - There is an issue with not all property owners signing the title. (Lvl R) | The review of the updated title report dated 6/2/2022 shows that the subject mortgage was originated in the amount of xx on 2/xx/2022 with the lender xx which was recorded on 2/xx/2022. However, the alert note shows xx and xx as Gaurantor for xx, mortgage only signed by xx. No documents have been found regarding xx interest.<br>7-12-2022 : provided promissory note has only one borrower signature (xx) did not receive the other borrower signature (xx) . condition not resolved<br>07/xx/2022 - The guarantor signed all the documents that the guarantor is required to sign, the mortgage is not one of those documents. The consent of members authorizes the other member to sign all the other docs. Hence, exception is resolved. | 07/xx/2022 - The guarantor signed all the documents that the guarantor is required to sign, the mortgage is not one of those documents. The consent of members authorizes the other member to sign all the other docs. Hence, exception is resolved. | 07/xx/2022 - The guarantor signed all the documents that the guarantor is required to sign, the mortgage is not one of those documents. The consent of members authorizes the other member to sign all the other docs. Hence, exception is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 06/xx/2022 |
| RFCEADP2B1Y | xx | xx | xx | Pennsylvania | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Assets Insufficient | RFCEADP2B1Y-RDQHOAL4 | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | Per the settlement statement received dated 02/xx/2022, the total cash from borrower is $181,414.63; however, the total verified assets is $167526.81, which results in a shortfall of $13887.82. Need to sufficient assets to cover the shortfall of assets.<br>07/xx/2022 - Not Resolved - We have received POF calculator which is not sufficient to clear this exception. Moreover, we are missing HUD for xx property.<br>07/xx/2022 - Received updated HUD settlement statement stating cash from borrower is $91,947.82 and borrower has sufficient cash to cover closing cost and reserve requirement. Hence, condition is resolved. | 07/xx/2022 - Received updated HUD settlement statement stating cash from borrower is $91,947.82 and borrower has sufficient cash to cover closing cost and reserve requirement. Hence, condition is resolved. | 07/xx/2022 - Received updated HUD settlement statement stating cash from borrower is $91,947.82 and borrower has sufficient cash to cover closing cost and reserve requirement. Hence, condition is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 07/xx/2022 |
| RFCEADP2B1Y | xx | xx | xx | Pennsylvania | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Underwriting | RFCEADP2B1Y-V81IZTFE | Resolved | 3 | R | \* Transmittal (1008) is Missing (Lvl R) | Provide a copy of final 1008 as it is missing in the file. | 07-12-2022: Received File: Loan_application_1xxt_xx_xx.pdf<br> Given Loan Application Form Received to Resolved The Transmittal (1008) Is Missing Condition. | 07-12-2022: Received File: Loan_application_xx_xx_xx.pdf<br> Given Loan Application Form Received to Resolved The Transmittal (1008) Is Missing Condition. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 06/xx/2022 |
| RFCEADP2B1Y | xx | xx | xx | Pennsylvania | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | RFCEADP2B1Y-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Hazard insurance coverage amount does not cover loan amount. Hazard insurance coverage amount is $225,000, loan amount is xx and Total Estimate of Cost New is $226,800. Moreover, Replacement Cost is missing from the file.<br>7-12-2022 : Condition had been raised for the reconstruction estimate or the hazard insurance with sufficient dwelling to cover the loan amount.<br>07/xx/2022 - Not Resolved - Estimated Replacement Cost received of $248,948.00 which is more than dwelling coverage of $225,000.00.<br>07/xx/2022 - Received signed letter from the Insurance company stating that it is 100% replacement cost. Hence, exception is resolved. | 07/xx/2022 - Received signed letter from the Insurance company stating that it is 100% replacement cost. Hence, exception is resolved. | 07/xx/2022 - Received signed letter from the Insurance company stating that it is 100% replacement cost. Hence, exception is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 06/xx/2022 |
| RFCEADP2B1Y | xx | xx | xx | Pennsylvania | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | RFCEADP2B1Y-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Appraisal report for "xx" missing in the file.<br>07/xx/2022 - Appraisal received for "xx". Hence, Condition is resolved. | 07/xx/2022 - Appraisal received for "xx". Hence, Condition is resolved. | 07/xx/2022 - Appraisal received for "xx". Hence, Condition is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 06/xx/2022 |
| 4LYDITAAEL0 | xx | xx | xx | Pennsylvania | xx | Cash Out | Not Covered/Exempt | 4 | 1 | Valuation | Doc Issue | 4LYDITAAEL0-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Provide Lease agreement for property "xx" as Lease agreement is missing in package. | 7-12-2022 : lease agreement has been provided for the subject property "xx" to rectify the condition. condition resolved. | 7-12-2022 : lease agreement has been provided for the subject property "xx" to rectify the condition. condition resolved. |  |  | QC Complete | 06/xx/2022 | 07/xx/2022 | 07/xx/2022 | 06/xx/2022 |
| 4LYDITAAEL0 | xx | xx | xx | Pennsylvania | xx | Cash Out | Not Covered/Exempt | 4 | 1 | Credit | Title Review | 4LYDITAAEL0-69C0M9L8 | Resolved | 4 | R | \* Signatures at closing - There is an issue with not all property owners signing the title. (Lvl R) | There is an partial interest issue.<br> The mortgage was originated with the "xx" recorded on 2/xx/2022 and the mortgage was signed by the xx. However, the updated title report dated 6/2/2022 alert note shows as "xx and xx" as Guarantor of xx, but mortgage is only signed by the "xx" and signature of xx is missing from the subject mortgage.<br>7-25 - Resolved - Received explanation from client that "consent of members authorizes xx to sign in place of the other members". | 7-25 - Resolved - Received explanation from client that "consent of members authorizes xx to sign in place of the other members". | 7-25 - Resolved - Received explanation from client that "consent of members authorizes xx to sign in place of the other members". |  |  | QC Complete | 06/xx/2022 | 07/xx/2022 | 07/xx/2022 | 06/xx/2022 |
| 4LYDITAAEL0 | xx | xx | xx | Pennsylvania | xx | Cash Out | Not Covered/Exempt | 4 | 1 | Credit | Credit | 4LYDITAAEL0-H6XQ79BK | Resolved | 4 | R | \* DSCR is less than 1.00 (Lvl R) | As per lender guideline Sharestates - DSCR Guideliness_Dec2021- Updated.pdf minimum DSCR is 1.20 however in this loan it is 0.36 hence it is breaching the guideline.<br>07/xx/2022 - DSCR 2.45 is calculated as per the Appraisal documents received. Hence, condition is resolved. | 07/xx/2022 - DSCR 2.45 is calculated as per the Appraisal documents received. Hence, condition is resolved. | 07/xx/2022 - DSCR 2.45 is calculated as per the Appraisal documents received. Hence, condition is resolved. |  |  | QC Complete | 06/xx/2022 | 07/xx/2022 | 07/xx/2022 | 06/xx/2022 |
| 1HVZB5GE44B | xx | xx | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Title Review | 1HVZB5GE44B-7GYC701I | Active | 2 | 2 | \* Title Review shows outstanding delinquent taxes (Lvl 2) | As per the updated title report dated 08/xx/2022 (property address: xx), the 3rd installment taxes for the year 2022 are delinquent for the amount of $4563.90 which were due on 08/xx/2022 and good through as 08/xx/2022. |  |  | High Asset Reserves in the amount of $1,523,312<br>Credit Score of 726<br>LTV% less than xx% - xx% LTV |  | QC Complete | 11/xx/2022 |  |  | 08/xx/2022 |
| 1HVZB5GE44B | xx | xx | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Title Review | 1HVZB5GE44B-YIFAJHDK | Resolved | 3 | R | \* Active Judgment Against Borrower (Lvl R) | As per the updated title report dated 06/xx/2022, there is prior UCC lien recorded on 08/xx/2018 for the amount of $0.00 in the favor of xx.<br>7/xx/2022- Received response from seller that the UCC lien should not an issue regards to title for the property and condition has been resolved. | 7/xx/2022- Received response from seller that the UCC lien should not an issue regards to title for the property and condition has been resolved. | 7/xx/2022- Received response from seller that the UCC lien should not an issue regards to title for the property and condition has been resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 06/xx/2022 |
| 1HVZB5GE44B | xx | xx | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 2 | Data Edit | Data Edit | 1HVZB5GE44B-V0NMLELM | Resolved | 4 | R | \* LTV / CLTV > 100% (Lvl R) | As per the guidelines the minimum LTV is 75% However Loan amount is xx & Apprised value is xx Which comes to LTV at xx% "Appraisal is missing for the property "xx" he LTV to be recalculated once the missing appraisal is received<br>07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx and for property "xx" appraised value is xx so the total of both the appraisal is xx. Due to which LTV is xx%. Hence, Condition is resolved. | 07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx and for property "xx" appraised value is xx so the total of both the appraisal is xx. Due to which LTV is xx%. Hence, Condition is resolved. | 07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx and for property "xx" appraised value is xx so the total of both the appraisal is xx. Due to which LTV is xx%. Hence, Condition is resolved. |  |  | QC Complete | 11/xx/2022 | 01/xx/2023 | 01/xx/2023 | 06/xx/2022 |
| 1HVZB5GE44B | xx | xx | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 2 | Valuation | Doc Issue | 1HVZB5GE44B-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Appraisal report missing for the property "xx". The LTV to be recalculated once the missing appraisal is received.<br>07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx and for property "xx" appraised value is xx so the total of both the appraisal is xx. Due to which LTV is xx%. Hence, Condition is resolved. | 07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx and for property "xx" appraised value is xx so the total of both the appraisal is xx. Due to which LTV is xx%. Hence, Condition is resolved. | 07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx and for property "xx" appraised value is xx so the total of both the appraisal is xx. Due to which LTV is xx%. Hence, Condition is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 06/xx/2022 |
| 1HVZB5GE44B | xx | xx | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 2 | Valuation | LTV | 1HVZB5GE44B-5BLYZ9QJ | Resolved | 4 | R | \* LTV or CLTV exceeds 104% (Lvl R) | As per the guidelines the minimum LTV is 75% , but as per the appraisal the LTV is xx% which is no acceptable<br>07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx and for property "xx" appraised value is xx so the total of both the appraisal is xx. Due to which LTV is xx%. Hence, Condition is resolved. | 07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx and for property "xx" appraised value is xx so the total of both the appraisal is xx. Due to which LTV is xx%. Hence, Condition is resolved. | 07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx and for property "xx" appraised value is xx so the total of both the appraisal is xx. Due to which LTV is xx%. Hence, Condition is resolved. |  |  | QC Complete | 11/xx/2022 | 01/xx/2023 | 01/xx/2023 | 06/xx/2022 |
| 1HVZB5GE44B | xx | xx | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Underwriting | 1HVZB5GE44B-V81IZTFE | Resolved | 3 | R | \* Transmittal (1008) is Missing (Lvl R) | loan transmittal summary 1008 is missing in the package | 7/xx/2022 - Loan application form has been received for the condition raised against final transmittal summary which suffices the requirement - condition resolved | 7/xx/2022 - Loan application form has been received for the condition raised against final transmittal summary which suffices the requirement - condition resolved |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 06/xx/2022 |
| 1HVZB5GE44B | xx | xx | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Credit | 1HVZB5GE44B-H6XQ79BK | Resolved | 4 | R | \* DSCR is less than 1.00 (Lvl R) | DSCR arrives at 0.86 However as per lending guide the minimum DSCR ratio should be 1.20 for multi family.<br>07/xx/2022 - DSCR 1.36 is calculated as per the Appraisal documents received. Hence, condition is resolved. | 07/xx/2022 - DSCR 1.36 is calculated as per the Appraisal documents received. Hence, condition is resolved. | 07/xx/2022 - DSCR 1.36 is calculated as per the Appraisal documents received. Hence, condition is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 06/xx/2022 |
| PX3SPWJ0OA0 | xx | xx | xx | New Jersey | xx | Purchase | Not Covered/Exempt | 4 | 1 | Valuation | Property | PX3SPWJ0OA0-8TUTL2SS | Resolved | 3 | R | \* Subject property is located in a FEMA designated disaster area (recent). (Lvl R) | Provide flood insurance document. Property in flood zone and missing in the flood insurance document in the package. | 7/xx/2022 - Flood insurance and the supporting flood insurance payment receipt has been provided to suffice the condition raised against flood insurance - Condition resolved. | 7/xx/2022 - Flood insurance and the supporting flood insurance payment receipt has been provided to suffice the condition raised against flood insurance - Condition resolved. |  |  | QC Complete | 06/xx/2022 | 07/xx/2022 | 07/xx/2022 | 06/xx/2022 |
| 2WU0KPFK0P2 | xx | xx | xx | New York | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 2WU0KPFK0P2-SF53084O | Resolved | 3 | R | \* Title policy missing (Lvl R) | Please provide a copy of purchase deed from "xx to xx"<br>08/xx/2022 - Purchase deed is not required as final title policy on pg 501 of the loan file has owner name xx. Hence, exception is resolved. | 08/xx/2022 - Purchase deed is not required as final title policy on pg 501 of the loan file has owner name xx. Hence, exception is resolved. | 08/xx/2022 - Purchase deed is not required as final title policy on pg 501 of the loan file has owner name xx. Hence, exception is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 08/xx/2022 |
| ZG0ADMLREDR | xx | xx | xx | Florida | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit |  | ZG0ADMLREDR-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Dwelling coverage amount $365,651.00, Total Estimate of Cost-New $644,670.00 and Loan amount xx. Hazard coverage amount not covering the loan amount and Replacement Cost Estimator is missing from the file.<br>09/xx/2022 - New hazard insurance policy received with dwelling coverage amount of $443,105.00. Moreover, we have received estimated replacement cost of $401,182.34 which is covered by dwelling amount. Hence, exception is resolved. | 09/xx/2022 - New hazard insurance policy received with dwelling coverage amount of $443,105.00. Moreover, we have received estimated replacement cost of $401,182.34 which is covered by dwelling amount. Hence, exception is resolved. | 09/xx/2022 - New hazard insurance policy received with dwelling coverage amount of $443,105.00. Moreover, we have received estimated replacement cost of $401,182.34 which is covered by dwelling amount. Hence, exception is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| JJEAR2XCIKK | xx | xx | xx | Nevada | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | JJEAR2XCIKK-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | As per desk review value is xx and main appraisal value is xx so variance -10.204 ,allowed variance + or - 10% variance, but variance is more then 10%. Please provide additional valuation from below 3 product list.<br>Clear Capital - Collateral Desktop Analysis (CDA);<br> Proteck - Appraisal Risk Review (ARR); or<br> Red Bell - Valuation Risk Review (VRR).<br>10/xx/2022 - We have used lower value which is xx which satisfy the exception. Hence, exception is resolved. | 10/xx/2022 - We have used lower value which is xx which satisfy the exception. Hence, exception is resolved. | 10/xx/2022 - We have used lower value which is xx which satisfy the exception. Hence, exception is resolved. |  |  | QC Complete | 09/xx/2022 | 10/xx/2022 | 10/xx/2022 | 09/xx/2022 |
| ZPKWJ1SSPD0 | xx | xx | xx | California | xx | Refinance | Non-QM/Compliant | 1 | 1 | Credit |  | ZPKWJ1SSPD0-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Dwelling coverage ($311,000.00) reflecting on the hazard insurance policy is not sufficient to cover the loan amount xx; however, replacement cost estimator is not present in file and policy includes home protector coverage 25% which is not covered by the dwelling coverage.<br>10/xx/2022 - Resolved - Property coverage document has been provided. Hence, Condition is resolved. | 10/xx/2022 - Resolved - Property coverage document has been provided. Hence, Condition is resolved. | 10/xx/2022 - Resolved - Property coverage document has been provided. Hence, Condition is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 10/xx/2022 |
| JXQIXKTOXPU | xx | xx | xx | Massachusetts | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | JXQIXKTOXPU-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Please provide the Mortgage statement for "xx". In credit report it is dated 5/3/2022 and the last paid date is 3/xx/2022.<br>10/xx/2022 - Supplemental Credit report in the file on page no 459 shows the xx is current with the last paid date of 5/5/2022. Hence, exception is resolved. | 10/xx/2022 - Supplemental Credit report in the file on page no 459 shows the xx is current with the last paid date of 5/5/2022. Hence, exception is resolved. | 10/xx/2022 - Supplemental Credit report in the file on page no 459 shows the xx is current with the last paid date of 5/5/2022. Hence, exception is resolved. |  |  | QC Complete | 09/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| FWAPTQ5NF3W | xx | xx | xx | Tennessee | xx | Cash Out | Non-QM/Compliant | 1 | 1 | Valuation | Doc Issue | FWAPTQ5NF3W-B5DE5ZB9 | Resolved | 3 | R | \* Appraisal is stale dated without recertification in file (Lvl R) | Provided Appraisal is inspected on dated xx(effective date of appraisal xx), however loan closing on xx. As per the guideline, appraisal report must be completed no earlier than 120 days prior to the Note Date.<br>Resolved: Appraisal received - 10/13 | Resolved: Appraisal received - 10/13 | Resolved: Appraisal received - 10/13 |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| FWAPTQ5NF3W | xx | xx | xx | Tennessee | xx | Cash Out | Non-QM/Compliant | 1 | 1 | Compliance | Compliance | FWAPTQ5NF3W-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Higher-Priced Mortgage Loan Test Fail : Charged 8.599% Allowed 7.380% Over by +1.219% | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| FWAPTQ5NF3W | xx | xx | xx | Tennessee | xx | Cash Out | Non-QM/Compliant | 1 | 1 | Compliance | Compliance | FWAPTQ5NF3W-RQ4O9RG6 | Resolved | 3 | R | \* Compliance Testing (Lvl R) | The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee. Brokerage/Finder Fee Test Fail : Charged $9,375.00 Allowed $5,180.00 Over By +$4,195.00 Points - Loan Discount Fee - $2,745.00 Administration Fee - $1,450.00 Mortgage Broker Fee - $5,180.00<br>Resolved 10/xx/2022 : Received LOE for brokerage/finder fee exceeds and updated, hence condition cleared. | Resolved 10/xx/2022 : Received LOE for brokerage/finder fee exceeds and updated, hence condition cleared. | Resolved 10/xx/2022 : Received LOE for brokerage/finder fee exceeds and updated, hence condition cleared. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 |
| FWAPTQ5NF3W | xx | xx | xx | Tennessee | xx | Cash Out | Non-QM/Compliant | 1 | 1 | Credit | Title Review | FWAPTQ5NF3W-A7YJSEV7 | Resolved | 3 | R | \* Title issue (Lvl R) | The successor and assignee clause is missing from the final title policy. This can be cured by adding an addendum with successor and assignee clause.<br>11/xx/2022- Resolved- Revised copy of final title policy with successor and assignee clause has been received. Hence, exception has been resolved. | 11/xx/2022- Resolved- Revised copy of final title policy with successor and assignee clause has been received. Hence, exception has been resolved. | 11/xx/2022- Resolved- Revised copy of final title policy with successor and assignee clause has been received. Hence, exception has been resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| C0SSINGA0EW | xx | xx | xx | Illinois | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | C0SSINGA0EW-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure in the loan file. Require Initial Closing Disclosure.<br>Resolved 10/xx/2022 : Received Initial Closing Disclosure document and updated, hence condition cleared. | Resolved 10/xx/2022 : Received Initial Closing Disclosure document and updated, hence condition cleared. | Resolved 10/xx/2022 : Received Initial Closing Disclosure document and updated, hence condition cleared. |  |  | QC Complete | 09/xx/2022 | 10/xx/2022 | 10/xx/2022 | 09/xx/2022 |
| C0SSINGA0EW | xx | xx | xx | Illinois | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | C0SSINGA0EW-SF53084O | Resolved | 3 | R | \* Title policy missing (Lvl R) | Final title policy is missing from the loan file. However, values are updated from commitment located at (xx xx Pg#467).<br>10/xx/2022- Final title policy received. Hence, exception is resolved. | 10/xx/2022- Final title policy received. Hence, exception is resolved. | 10/xx/2022- Final title policy received. Hence, exception is resolved. |  |  | QC Complete | 09/xx/2022 | 10/xx/2022 | 10/xx/2022 | 10/xx/2022 |
| SVLVLMGBWGI | xx | xx | xx | Pennsylvania | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | SVLVLMGBWGI-SF53084O | Resolved | 2 | R | \* Title policy missing (Lvl R) | The final title policy is missing from the loan file. However, we have title commitment. This is the new originations loans so we are waiting for final title policy.<br>10/xx/2022- Resolved- Final title policy received. Hence, exception is resolved. | 10/xx/2022- Resolved- Final title policy received. Hence, exception is resolved. | 10/xx/2022- Resolved- Final title policy received. Hence, exception is resolved. |  |  | QC Complete | 09/xx/2022 | 10/xx/2022 | 10/xx/2022 | 10/xx/2022 |
| SVLVLMGBWGI | xx | xx | xx | Pennsylvania | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | SVLVLMGBWGI-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling amount $177,300.00 is not sufficient to cover the loan amount xx. Require Hazard insurance policy with sufficient coverage.<br>Resolved: HOI policy received - 10/13 | Resolved: HOI policy received - 10/13 | Resolved: HOI policy received - 10/13 |  |  | QC Complete | 09/xx/2022 | 10/xx/2022 | 10/xx/2022 | 09/xx/2022 |
| FGULBW4IDKM | xx | xx | xx | Colorado | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | FGULBW4IDKM-SF53084O | Resolved | 3 | R | \* Title policy missing (Lvl R) | Final title policy is missing from the loan file. However, title commitment is located at xx.xx Pg#508.<br>1-20-2023-Resolved- Final title policy received. Hence, exception has been resolved. | 1-20-2023-Resolved- Final title policy received. Hence, exception has been resolved. | 1-20-2023-Resolved- Final title policy received. Hence, exception has been resolved. |  |  | QC Complete | 11/xx/2022 | 01/xx/2023 | 01/xx/2023 | 10/xx/2022 |
| FGULBW4IDKM | xx | xx | xx | Colorado | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | FGULBW4IDKM-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 8.296% Allowed 6.870% Over by +1.426%. | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| QEOKRISUCPT | xx | xx | xx | New Jersey | xx | Refinance | Non-QM/Compliant | 1 | 1 | Compliance | Compliance | QEOKRISUCPT-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> Higher-Priced Mortgage Loan Test Fail : Charged 8.376% Allowed 6.660% Over by +1.716% | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| QEOKRISUCPT | xx | xx | xx | New Jersey | xx | Refinance | Non-QM/Compliant | 1 | 1 | Valuation | Valuation | QEOKRISUCPT-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide additional valuation as both CU & LCU score is missing & as per lender guideline additional valuation required; however, it is missing in the loan file.<br>Resolved: CU & LCA score received - 10/13 | Resolved: CU & LCA score received - 10/13 | Resolved: CU & LCA score received - 10/13 |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| QEOKRISUCPT | xx | xx | xx | New Jersey | xx | Refinance | Non-QM/Compliant | 1 | 1 | Credit | Doc Issue | QEOKRISUCPT-SF53084O | Resolved | 3 | R | \* Title policy missing (Lvl R) | Final title policy is missing from the loan file. However, values are updated from commitment located at (xx-xx Pg#670).<br> 11/2/2022: Received final TPOL; hence, exception has been resolved. | 11/2/2022: Received final TPOL; hence, exception has been resolved. | 11/2/2022: Received final TPOL; hence, exception has been resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 10/xx/2022 |
| B3LTXWV2BFY | xx | xx | xx | Massachusetts | xx | Purchase | Non-QM/Compliant | 1 | 1 | Credit | Guidelines | B3LTXWV2BFY-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Missing complete 24 months bank statements needed to calculate income. Provide xx account \*\*\*xx statements for the months (11/2021, 3/2021 , 02/2021 & 01/2021) to calculate the income accurately.<br>Resolved: Bank statement received - 10/13 | Resolved: Bank statement received - 10/13 | Resolved: Bank statement received - 10/13 |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 10/xx/2022 |
| B3LTXWV2BFY | xx | xx | xx | Massachusetts | xx | Purchase | Non-QM/Compliant | 1 | 1 | Compliance | Compliance | B3LTXWV2BFY-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan passed the MA 209 CMR 32.35 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations. While the Code of Massachusetts Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 7.731% Allowed 6.810% Over by +0.921%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation MA 209 CMR 32.35. | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation MA 209 CMR 32.35. | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation MA 209 CMR 32.35. |  |  | QC Complete | 11/xx/2022 | 01/xx/2023 | 01/xx/2023 | 09/xx/2022 |
| B3LTXWV2BFY | xx | xx | xx | Massachusetts | xx | Purchase | Non-QM/Compliant | 1 | 1 | Compliance | Compliance | B3LTXWV2BFY-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged 7.731% Allowed 6.810% Overby +0.921%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 |
| B3LTXWV2BFY | xx | xx | xx | Massachusetts | xx | Purchase | Non-QM/Compliant | 1 | 1 | Credit | Credit | B3LTXWV2BFY-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Borrower is a Permanent Resident Alien , not a US Citizen please provide the PRA card front and Back copy ,Acceptable Visa.<br>Resolved: PRA card received - 10/13 | Resolved: PRA card received - 10/13 | Resolved: PRA card received - 10/13 |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| DXQ0GEHPFVK | xx | xx | xx | South Carolina | xx | Cash Out | Non-QM/Compliant | 1 | 1 | Compliance | Compliance | DXQ0GEHPFVK-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met<br>Higher-Priced Mortgage Loan Test Fail: Charged 9.056% Allowed 6.810% Over by +2.246% | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| IRWQGUOMYYW | xx | xx | xx | Florida | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | IRWQGUOMYYW-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> Higher-Priced Mortgage Loan Test Fail : Charged 10.990% Allowed 7.360% Over by +3.630% | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 09/xx/2022 |
| L5UJXWFGVPQ | xx | xx | xx | Massachusetts | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | L5UJXWFGVPQ-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan passed the MA 209 CMR 32.35 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations. While the Code of Massachusetts Regulations provisions specify that lenders may lawfully make this type of loan subject to<br> certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund<br> or buy higher-priced mortgage loans even if the additional conditions are met.<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test Fail : Charged 8.119% Allowed 6.810% Over by +1.309%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation MA 209 CMR 32.35. | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation MA 209 CMR 32.35. | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation MA 209 CMR 32.35. |  |  | QC Complete | 11/xx/2022 | 01/xx/2023 | 01/xx/2023 | 09/xx/2022 |
| L5UJXWFGVPQ | xx | xx | xx | Massachusetts | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | L5UJXWFGVPQ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> Higher-Priced Mortgage Loan Test Fail : Charged 8.119% Allowed 6.810% Over by +1.309%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 |
| L5UJXWFGVPQ | xx | xx | xx | Massachusetts | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | L5UJXWFGVPQ-KCK2O87U | Resolved | 3 | R | \* 0% Tolerance Fees test fail (Lvl R) | TRID Violation due to a fee increase on revised CD dated 7/xx/2022. Initial LE dated 06/xx/2022 reflects a Points - Loan Discount Fee at $422.00, however, revised CD dated 7/xx/2022 reflects the Points - Loan Discount Fee at $843.75. This is a fee increase of $421.75 which exceeds the 0% tolerance. Please provide either a valid COC or PCCD, LOE, proof of delivery, and copy of refund check in the amount of $421.75.<br>Resolved 10/xx/2022 : Received PCCD with Cure amount and updated, hence condition cleared. | Resolved 10/xx/2022 : Received PCCD with Cure amount and updated, hence condition cleared. | Resolved 10/xx/2022 : Received PCCD with Cure amount and updated, hence condition cleared. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 |
| CXLBPJ4WUHJ | xx | xx | xx | Nevada | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | CXLBPJ4WUHJ-DFWG7HN5 | Resolved | 3 | R | \* Missing proof of hazard insurance (Lvl R) | Hazard Insurance policy is missing in the file. Only invoice is present for the hazard insurance policy.<br>10/xx/2022 - Resolved - HOI document has been provided. Hence, condition is resolved. | 10/xx/2022 - Resolved - HOI document has been provided. Hence, condition is resolved. | 10/xx/2022 - Resolved - HOI document has been provided. Hence, condition is resolved. |  |  | QC Complete | 10/xx/2022 | 10/xx/2022 | 10/xx/2022 | 09/xx/2022 |
| CXLBPJ4WUHJ | xx | xx | xx | Nevada | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | CXLBPJ4WUHJ-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling coverage ($293000) reflecting on the hazard insurance policy is not sufficient to cover the loan amount xx; also require Hazard document Page with Correct Mortgagee Clause.<br>10/xx/2022 - Updated hazard insurance received with updated dwelling amount. Hence, exception is resolved. | 10/xx/2022 - Updated hazard insurance received with updated dwelling amount. Hence, exception is resolved. | 10/xx/2022 - Updated hazard insurance received with updated dwelling amount. Hence, exception is resolved. |  |  | QC Complete | 10/xx/2022 | 10/xx/2022 | 10/xx/2022 | 10/xx/2022 |
| 1BYUEEZI4F1 | xx | xx | xx | Mississippi | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Assets Insufficient | 1BYUEEZI4F1-RDQHOAL4 | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | Provide additional asset as asset is shortage for reserve requirement, as per lender guideline cash-out amount can be used for reserves after 2 months verified from borrower's own fund; however, in this loan 2 months X $690.14 = $1,380.28. Borrower's fund = $1,039.08. Hence, asset is shortage for $1,380.28-$1,039.08 = $341.20<br>Provide additional asset of $341.20 to fulfill the reserve requirement.<br>10/xx/2022 - Resolved - Additional asset document provided. Hence, Condition has been resolved. | 10/xx/2022 - Resolved - Additional asset document provided. Hence, Condition has been resolved. | 10/xx/2022 - Resolved - Additional asset document provided. Hence, Condition has been resolved. |  |  | QC Complete | 10/xx/2022 | 10/xx/2022 | 10/xx/2022 | 10/xx/2022 |
| DKXAA2VUMMC | xx | xx | xx | Nevada | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | DKXAA2VUMMC-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide secondary valuation as both CU & LCU scores are missing and as per lender guideline we required secondary valuation; however, it is missing in loan file<br>10/xx/2022: Resolved- UCDP report has been provided. Hence, condition is resolved. | 10/xx/2022: Resolved- UCDP report has been provided. Hence, condition is resolved. | 10/xx/2022: Resolved- UCDP report has been provided. Hence, condition is resolved. |  |  | QC Complete | 10/xx/2022 | 10/xx/2022 | 10/xx/2022 | 09/xx/2022 |
| PEQL0EQAUC4 | xx | xx | xx | Texas | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Property | PEQL0EQAUC4-5COCFHAP | Resolved | 3 | R | \* Completed "Subject To" w/o Compltn Cert in File (Lvl R) | Property is under construction, please provide 1004D Document.<br>10/xx/2022 - Resolved- Form 1003D has been provided. Hence, condition is resolved. | 10/xx/2022 - Resolved- Form 1003D has been provided. Hence, condition is resolved. | 10/xx/2022 - Resolved- Form 1003D has been provided. Hence, condition is resolved. |  |  | QC Complete | 10/xx/2022 | 10/xx/2022 | 10/xx/2022 | 09/xx/2022 |
| PQ0O4IGDGHA | xx | xx | xx | Colorado | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Guidelines | PQ0O4IGDGHA-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Provide a copy of tax returns as the borrower is qualified with the self-employment income and tax returns are missing in the package.<br>10/xx/2022- Resolved- Signed tax return available in file. Hence, the exception has been resolved. | 10/xx/2022- Resolved- Signed tax return available in file. Hence, the exception has been resolved. | 10/xx/2022- Resolved- Signed tax return available in file. Hence, the exception has been resolved. |  |  | QC Complete | 10/xx/2022 | 10/xx/2022 | 10/xx/2022 | 10/xx/2022 |
| XQICPPCYD4F | xx | xx | xx | New Jersey | xx | Purchase | Non-QM/Compliant | 1 | 1 | Credit | Doc Issue | XQICPPCYD4F-SF53084O | Resolved | 3 | R | \* Title policy missing (Lvl R) | Final title policy is missing from the loan file. However, values are updated from commitment located at (xx_xx Pg#615).<br>10/xx/2022- Final title policy received. Hence, exception is resolved. | 10/xx/2022- Final title policy received. Hence, exception is resolved. | 10/xx/2022- Final title policy received. Hence, exception is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 10/xx/2022 |
| XQICPPCYD4F | xx | xx | xx | New Jersey | xx | Purchase | Non-QM/Compliant | 1 | 1 | Credit | Credit | XQICPPCYD4F-XTK25AL2 | Resolved | 3 | R | \* Purchase Contract is missing (Lvl R) | Purchase contract of subject property ("xx") is missing in the loan file.<br>10/xx/2022- Not Resolved - Provided purchase contract for different property "xx". Provide purchase contract of subject property ("xx")<br>10/xx/2022 - Purchase contract received. Hence, exception is resolved. | 10/xx/2022 - Purchase contract received. Hence, exception is resolved. | 10/xx/2022 - Purchase contract received. Hence, exception is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| XQICPPCYD4F | xx | xx | xx | New Jersey | xx | Purchase | Non-QM/Compliant | 1 | 1 | Compliance | Compliance | XQICPPCYD4F-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> Higher-Priced Mortgage Loan Test Fail : Charged 8.773% Allowed 6.810% Over by +1.963% | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| 3NS2MKO2U4C | xx | xx | xx | Georgia | xx | Purchase | Non-QM/Compliant | 1 | 1 | Compliance | Compliance | 3NS2MKO2U4C-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail: Charged 8.237% Allowed 6.810% Over by +1.427%. | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| 3NS2MKO2U4C | xx | xx | xx | Georgia | xx | Purchase | Non-QM/Compliant | 1 | 1 | Credit | Assets Insufficient | 3NS2MKO2U4C-RDQHOAL4 | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | Missing $56,618.40 in assets needed to close, only $583.33 in verified assets documented in the file. Missing evidence of xx savings account which is stated on the application.<br>10/xx/2022 - Resolved - Additional asset document provided. Hence, Condition has been resolved. | 10/xx/2022 - Resolved - Additional asset document provided. Hence, Condition has been resolved. | 10/xx/2022 - Resolved - Additional asset document provided. Hence, Condition has been resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| 3NS2MKO2U4C | xx | xx | xx | Georgia | xx | Purchase | Non-QM/Compliant | 1 | 1 | Compliance | Mortgage | 3NS2MKO2U4C-TSOVF6R0 | Resolved | 3 | R | \* Mortgage (Lvl R) | As per the Short Form Policy located at "xx - Final Title Policy.pdf" shows that the name of insured is "xx" which is different from the original lender of "xx".<br>10/xx/2022- Resolved- Endorsement with correct lender name received. Hence, exception is resolved. | 10/xx/2022- Resolved- Endorsement with correct lender name received. Hence, exception is resolved. | 10/xx/2022- Resolved- Endorsement with correct lender name received. Hence, exception is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 10/xx/2022 |
| IUMGXHM5GWM | xx | xx | xx | Florida | xx | Refinance | Non-QM/Compliant | 1 | 1 | Compliance | Compliance | IUMGXHM5GWM-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail: Charged: 6.289%Allowed: 5.990% Over by: +0.299% | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35 (b) ,(c) and (d) | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35 (b) ,(c) and (d) |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 09/xx/2022 |
| SK5FJFH4W3W | xx | xx | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 2 | Credit | Credit | SK5FJFH4W3W-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Final 1003 is showing xx in the amount of $310,000 for a property located at xx, however the credit report is not reflecting this trade line. Missing credit supplement report that reflects the xx.<br>Resolved: Final 1003 received -10/13 | Resolved: Final 1003 received -10/13 | Resolved: Final 1003 received -10/13 |  |  | QC Complete | 10/xx/2022 | 10/xx/2022 | 10/xx/2022 | 09/xx/2022 |
| SK5FJFH4W3W | xx | xx | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | SK5FJFH4W3W-KJ37FOY2 | Waived | 4 | W | \* Consumer lates exceed guidelines (Lvl W) | As per lender guideline, cannot have any 60-day late payments in the past 12 months; this is inclusive of all installments and revolving trade lines. However, on credit report 60 days late payment found on revolving account - JPMCB Card#xx. 1008 in the file (pg 265-266) shows an exception request for the late payments was approved, however no documentation in the file for the exception approval.<br>Waived: Exception approval received - 10/13 |  |  | Low LTV / CLTV : LTV is xx%<br>Reserves - $480K is available for Reserve<br>Year in job : 17 Years at job<br>Address: 7 Years at current address<br>|  | QC Complete | 10/xx/2022 |  |  | 09/xx/2022 |
| PGX4HAYHDBC | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | PGX4HAYHDBC-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Both CU Scores are missing. Hence, Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) is required as per the guideline.<br>Resolved: Received BPO - 12/23 | Resolved: Received BPO - 12/23 | Resolved: Received BPO - 12/23 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| 5O2BCG3HGKY | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 2 | Valuation | Valuation | 5O2BCG3HGKY-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | As per guideline, Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) required.<br>Provide CDA or ARR document.<br>Resolved: Received BPO - 12/23 | Resolved: Received BPO - 12/23 | Resolved: Received BPO - 12/23 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| 5O2BCG3HGKY | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | 5O2BCG3HGKY-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception approval for GLF investor cash flow DSCR guidelines 700+=xx% LTV & 6.50% interest rate |  |  | Credit Score - Credit Score <br>Guarantor # 1 FICO Score is 707<br>Guarantor # 2 FICO Score is 759<br>Assets : New Res-Shellpoint Mortgage # with 275K funds in Seasoned funds (Reserve funds) |  | QC Complete | 12/xx/2022 |  |  | 12/xx/2022 |
| SJKQXL1W5AO | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | SJKQXL1W5AO-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Both CU Scores are missing. Hence, Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) is required as per the guideline.<br>Resolved: BPO received - 12/23 | Resolved: BPO received - 12/23 | Resolved: BPO received - 12/23 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| SJKQXL1W5AO | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | SJKQXL1W5AO-PVUQVMNZ | Resolved | 4 | R | \* The property has unrepaired damages (Lvl R) | As per appraisal report located at "Appraisal-xx" dated xx the subject property had mold damage. further details are not provided. <br>1-13-2023- Resolved- Appraisal is "as is" with no damage mentioned on it. Hence, the exception has been resolved. | 1-13-2023- Resolved- Appraisal is "as is" with no damage mentioned on it. Hence, the exception has been resolved. | 1-13-2023- Resolved- Appraisal is "as is" with no damage mentioned on it. Hence, the exception has been resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| GAD2G25UGU2 | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | GAD2G25UGU2-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Both CU Scores are missing. Hence, Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) is required as per the guideline.<br>Resolved: Received BPO - 12/23 | Resolved: Received BPO - 12/23 | Resolved: Received BPO - 12/23 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| SADWFUQOUGW | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit |  | SADWFUQOUGW-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Provide the hazard insurance of the subject property which reflects the policy period.<br>Not resolved 12/xx/2022: Provided hazard insurance not active with closing date, condition remains same<br>01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. | 01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. | 01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| FCATIBVH5L5 | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit |  | FCATIBVH5L5-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | As per given package hazard insurance effective start date and end date missing.<br>Not resolved 12/xx/2022: Provided hazard insurance not active with closing date, condition remains same<br>01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. | 01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. | 01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| JQFIDQWAURH | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | JQFIDQWAURH-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | As per loan file hazard insurance is provided, however expiration date is missing.<br>Not resolved 12/xx/2022: Provided hazard insurance not active with closing date, condition remains same<br>01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. | 01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. | 01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| S1PC5VFBULO | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | S1PC5VFBULO-SF53084O | Resolved | 3 | R | \* Title policy missing (Lvl R) | The final title policy is missing from the loan file. However, the title commitment is found at " xx-Title Commitment.pdf"<br>12-19-2022: Resolved- Final title policy is received. Hence, exception has been resolved. | 12-19-2022: Resolved- Final title policy is received. Hence, exception has been resolved. | 12-19-2022: Resolved- Final title policy is received. Hence, exception has been resolved. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| 42ATFL0XSVH | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit |  | 42ATFL0XSVH-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | As per given package hazard insurance effective start date and end date missing.<br>Not resolved 12/xx/2022: Provided hazard insurance not active with closing date, condition remains same<br>01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. | 01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. | 01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| I0YY53E5HML | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit |  | I0YY53E5HML-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | As per given package hazard insurance effective start date and end date missing.<br>Not resolved 12/xx/2022: Provided hazard insurance not active with closing date, condition remains same<br>01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. | 01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. | 01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| I0YY53E5HML | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | I0YY53E5HML-PVUQVMNZ | Resolved | 4 | R | \* The property has unrepaired damages (Lvl R) | The demolition status section of the UT dated 11/xx/2022, shows that there was a demolition on permit issued on 7/xx/2019 for the demolition of the garage. The permit was closed. Further details not provided.<br>1-13-2023- Resolved- As per tax note the permit is closed. Hence, the exception has been resolved. | 1-13-2023- Resolved- As per tax note the permit is closed. Hence, the exception has been resolved. | 1-13-2023- Resolved- As per tax note the permit is closed. Hence, the exception has been resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| LSX5KXCCN5C | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit |  | LSX5KXCCN5C-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Provide the hazard insurance of the subject property which reflects the policy period.<br>Not resolved 12/xx/2022: Provided hazard insurance not active with closing date, condition remains same<br>01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. | 01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. | 01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| BHLV0NRELBV | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 2 | Valuation | Valuation | BHLV0NRELBV-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide secondary valuation are CDA as per lender guideline we required secondary valuation are CDA is missing in the package. Available desk review document do not have specific value on it to determine the variance<br>Resolved: Received BPO - 12/23 | Resolved: Received BPO - 12/23 | Resolved: Received BPO - 12/23 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| BHLV0NRELBV | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | BHLV0NRELBV-T67CK90Y | Waived | 2 | W | \* Credit history does not meet guidelines (Lvl W) | GLF Investor Cash Flow DSCR Guidelines 740+ = xx% & 6.875% |  |  | DSCR Ratio - DSCR Ratio - 1.353% (0.103% Over GLF DSCR Min of 1.25%)<br> Low LTV / CLTV - (Lower LTV of xx% (xx% CLTV)<br> The Personal Guarantor Median FICO score is 793<br> Guarantor Business Bank Statement Average Balance $40,000.00 |  | QC Complete | 12/xx/2022 |  |  | 12/xx/2022 |
| MYTEB13DLH5 | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Credit | MYTEB13DLH5-PVUQVMNZ | Resolved | 3 | R | \* The property has unrepaired damages (Lvl R) | As per appraisal report dated xx located at "Appraisal-xx", There is an water leakage in wall ceiling for which evidence of leakage needs to have repairs completed. However, completion report has not been found in the loan file.<br>1-20-2023- Resolved- Received repaired letter for water leakage damage. Hence, exception has been removed. | 1-20-2023- Resolved- Received repaired letter for water leakage damage. Hence, exception has been removed. | 1-20-2023- Resolved- Received repaired letter for water leakage damage. Hence, exception has been removed. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| MYTEB13DLH5 | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | MYTEB13DLH5-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | GLF Investor cash flow DSCR guidelines 740+ = xx% LTV & 6.875% rate |  |  | The Personal guarantor median FICO score is 793<br> DSCR = 1.724% (0.474% over GLF DSCR minimum of 1.25%)<br> Lower LTV of xx% (xx% CLTV) |  | QC Complete | 12/xx/2022 |  |  | 12/xx/2022 |
| MYTEB13DLH5 | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 2 | Valuation | Valuation | MYTEB13DLH5-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide Secondary valuation are CDA as per lender guideline we required Secondary Valuation are CDA is missing in the package. Available Desk review document do not have specific value on it to determine the variance<br>12/xx/2022 - Not Resolved - We have received Drive-By BPO and it has a variance of 10.256% on negative side. Provide ARR/CDA report.<br>01/xx/2023 - BPO received. Hence, exception is resolved. | 01/xx/2023 - BPO received. Hence, exception is resolved. | 01/xx/2023 - BPO received. Hence, exception is resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| 1OA3UWL2ZXE | xx | xx | xx | Ohio | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 1OA3UWL2ZXE-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide Secondary valuation are CDA as per lender guideline we required Secondary Valuation are CDA is missing in the package. Available Desk review document do not have specific appraised value on it to determine the variance<br>12/xx/2022 - Not Resolved - We have received Drive-By BPO and it has a variance of 16.000% on negative side. Provide ARR/CDA report.<br>01/xx/2023 - BPO received. Hence, exception is resolved. | 01/xx/2023 - BPO received. Hence, exception is resolved. | 01/xx/2023 - BPO received. Hence, exception is resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| JJMOXMBDUV5 | xx | xx | xx | Ohio | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | JJMOXMBDUV5-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Both CU scores are missing and CDA provided with variance of -13.889% ($20000). Hence, we will require AVM.<br>12/xx/2022 - Resolved - BPO provided. Hence, Condition has been resolved. | 12/xx/2022 - Resolved - BPO provided. Hence, Condition has been resolved. | 12/xx/2022 - Resolved - BPO provided. Hence, Condition has been resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| MIGPTHBU01G | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | MIGPTHBU01G-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Provide updated lease agreement as lease agreement is already expired for xx<br>resolved :as per lease agreement start date 09-xx-2021 and 08-xx-2022 . However note date is xx . So, lease not expired. 12/27 | as per lease agreement start date 09-01-2021 and 08-31-2022 . However note date is xx. So, lease not expired. 12/27 | as per lease agreement start date 09-01-2021 and 08-31-2022 . However note date is xx. So, lease not expired. 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| Z5J0FGYUBQS | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | Z5J0FGYUBQS-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Both CU Score are missing Hence, Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) is required as per the guideline.<br>12/xx/2022 - Resolved - Drive-By BPO report provided. Hence, the exception has been resolved. | 12/xx/2022 - Resolved - Drive-By BPO report provided. Hence, the exception has been resolved. | 12/xx/2022 - Resolved - Drive-By BPO report provided. Hence, the exception has been resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| EBXABN5SA2V | xx | xx | xx | Ohio | xx | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | EBXABN5SA2V-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception approval for Guarantor having three current trade lines, two within the past 24 months and one trade line within 42 months of installment debt |  |  | DSCR Ratio - DSCR Ratio DSCR 1.694% <br>Low LTV / CLTV Lower LTV of xx%<br>Credit Score - Credit Score 702 Mid - FICO Score |  | QC Complete | 12/xx/2022 |  |  | 12/xx/2022 |
| EOSWOXUZNTT | xx | xx | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | EOSWOXUZNTT-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties as required by the guidelines.<br>xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>Resolved: Received BPO - 12/23 | Resolved: Received BPO - 12/23 | Resolved: Received BPO - 12/23 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| EOSWOXUZNTT | xx | xx | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Assets Insufficient | EOSWOXUZNTT-RDQHOAL4 | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | As per loan file assets are not sufficient to cover the liquid/cash reserves. Hence required more assets to close the liquid/cash reserves.<br>Assets amount Verified:$82,176.95<br> Cash to borrower :102,387.54 & Liquid/cash reserves :$20,210.59<br>Resolved: Another bank statement provided (xx A/C#xx $54906.84.) 12/27 | Resolved: Another bank statement provided New Res-Shellpoint Mortgage.) 12/27. | Resolved: Another bank statement provided (New Res-Shellpoint Mortgage.) 12/27. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| EOSWOXUZNTT | xx | xx | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | EOSWOXUZNTT-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Provide a copy of hazard insurance properties - " xx ".<br>Resolved 12/xx/2022: Received hazard insurance policy and updated, hence condition cleared. | Resolved 12/xx/2022: Received hazard insurance policy and updated, hence condition cleared. | Resolved 12/xx/2022: Received hazard insurance policy and updated, hence condition cleared. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| EOSWOXUZNTT | xx | xx | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | EOSWOXUZNTT-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | A per loan file Flood insurance Certificate provided, however Flood Certificate is missing.<br>Resolved 12/xx/2022: Received Flood certificate and updated, hence condition cleared. | Resolved 12/xx/2022: Received Flood certificate and updated, hence condition cleared. | Resolved 12/xx/2022: Received Flood certificate and updated, hence condition cleared. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| VF3NHFXQYPJ | xx | xx | xx | Ohio | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | VF3NHFXQYPJ-WP2ZZ45K | Resolved | 3 | R | \* Missing flood cert (Lvl R) | Flood certificate missing from the loan file.<br>Resolved 12/xx/2022: Received Flood certificate and updated, hence condition cleared. | Resolved 12/xx/2022: Received Flood certificate and updated, hence condition cleared. | Resolved 12/xx/2022: Received Flood certificate and updated, hence condition cleared. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| VF3NHFXQYPJ | xx | xx | xx | Ohio | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | VF3NHFXQYPJ-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Lease are expired from these property :-<br>xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>01/xx/2023 - The leases are month on month basis as of 07/xx/2021. Rent increases as of 10/xx/2021 (lease remained month to month). Hence, exception is resolved. | 01/xx/2023 - The leases are month on month basis as of 07/xx/2021. Rent increases as of 10/xx/2021 (lease remained month to month). Hence, exception is resolved. | 01/xx/2023 - The leases are month on month basis as of 07/xx/2021. Rent increases as of 10/xx/2021 (lease remained month to month). Hence, exception is resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| VF3NHFXQYPJ | xx | xx | xx | Ohio | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | VF3NHFXQYPJ-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Collateral Desktop analysis is missing from the loan file.<br>01/xx/2023 - BPO Received. Hence, exception is resolved. | 01/xx/2023 - BPO Received. Hence, exception is resolved. | 01/xx/2023 - BPO Received. Hence, exception is resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| LFJHJNRW2DV | xx | xx | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | LFJHJNRW2DV-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br>xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27 | Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27 | Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| LFJHJNRW2DV | xx | xx | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | LFJHJNRW2DV-H3X4TJ0T | Resolved | 4 | R | \* Missing Title evidence (Lvl R) | Final title policy along with preliminary policy or commitment is missing from the loan file. | The final title policy received dated 12/xx/2022 which is located at "xx - Final Title Policy" required changes are done. Hence resolve the issue. | The final title policy received dated 12/xx/2022 which is located at "xx - Final Title Policy" required changes are done. Hence resolve the issue. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| LFJHJNRW2DV | xx | xx | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | LFJHJNRW2DV-WP2ZZ45K | Resolved | 3 | R | \* Missing flood cert (Lvl R) | Provide a copy of flood cert as it is missing in the file.<br>Resolved: Flood certificate received - 12/23 | Resolved: Flood certificate received - 12/23 | Resolved: Flood certificate received - 12/23 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| LFJHJNRW2DV | xx | xx | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit |  | LFJHJNRW2DV-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Provide Hazard Insurance policy with sufficient coverage to cover minimum of the loan amount or a replacement cost estimator to verify if the dwelling coverage is sufficient.<br>Resolved: Received HOI policy for all property - 12/23 | Resolved: Received HOI policy for all property - 12/23 | Resolved: Received HOI policy for all property - 12/23 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| CXJN0STTAKU | xx | xx | xx | Tennessee | xx | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | CXJN0STTAKU-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br>xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27 | Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27 | Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27 |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 11/xx/2022 |
| CXJN0STTAKU | xx | xx | xx | Tennessee | xx | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | CXJN0STTAKU-WP2ZZ45K | Resolved | 3 | R | \* Missing flood cert (Lvl R) | Provide a copy of flood certificate is missing in the loan file.<br>Resolved: Received Flood certificate - 12/23 | Resolved: Received Flood certificate - 12/23 | Resolved: Received Flood certificate - 12/23 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| CXJN0STTAKU | xx | xx | xx | Tennessee | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | CXJN0STTAKU-SF53084O | Resolved | 3 | R | \* Title policy missing (Lvl R) | Final title policy is missing from the loan file. However, title commitment is available.<br>12-19-2022: Not resolved- Need final title policy to resolve this exception. Hence, exception is not resolved. | The final title policy received dated 12/xx/2022 which is located at "xx - Final Title Policy.pdf" required changes are done. Hence resolve the issue. | The final title policy received dated 12/xx/2022 which is located at "xx - Final Title Policy.pdf" required changes are done. Hence resolve the issue. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| OHMTUX1IMLZ | xx | xx | xx | New York | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit |  | OHMTUX1IMLZ-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Provide a copy of hazard insurance policy with sufficient coverage as the document provided in the file reflects insufficient coverage.<br>Resolved 12/xx/2022: Received hazard insurance. | Resolved 12/xx/2022: Received hazard insurance. | Resolved 12/xx/2022: Received hazard insurance. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| OHMTUX1IMLZ | xx | xx | xx | New York | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | OHMTUX1IMLZ-SF53084O | Resolved | 3 | R | \* Title policy missing (Lvl R) | Final Title policy is missing from the loan file. However, preliminary policy is available in the loan file and all the data are captured from it. | The final title policy received dated 12/xx/2022 which is located at "xx - Final Title Policy" required changes are done. Hence resolve the issue. | The final title policy received dated 12/xx/2022 which is located at "xx - Final Title Policy" required changes are done. Hence resolve the issue. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| OHMTUX1IMLZ | xx | xx | xx | New York | xx | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | OHMTUX1IMLZ-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br>xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27 | Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27 | Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| OHMTUX1IMLZ | xx | xx | xx | New York | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | OHMTUX1IMLZ-AEPG67BW | Resolved | 3 | R | \* Missing credit report (Lvl R) | Provide a copy of credit report as it is missing in the loan file.<br>Resolved: The borrower is a foreign national, xx provided 12/27 | Resolved: The borrower is a foreign national, xx provided 12/27 | Resolved: The borrower is a foreign national, xx provided 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| YE0JZHMB4HV | xx | xx | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | YE0JZHMB4HV-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | As per package lease Document is Expire for xx Lease Expire Date 08/xx/2022 and xx Lease Expire Date 03/xx/2022.<br>Resolved: Lease agreement provide in file reflects a month to month auto renewal after the end of current lease period 12/27. | Resolved: Lease agreement provide in file reflects a month to month auto renewal after the end of current lease period 12/27. | Resolved: Lease agreement provide in file reflects a month to month auto renewal after the end of current lease period 12/27. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| YE0JZHMB4HV | xx | xx | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | YE0JZHMB4HV-WP2ZZ45K | Resolved | 3 | R | \* Missing flood cert (Lvl R) | Flood certificate is missing in the loan file.<br>Resolved 12/xx/2022 : Received Flood Certificate and updated, hence condition cleared. | Resolved 12/xx/2022 : Received Flood Certificate and updated, hence condition cleared. | Resolved 12/xx/2022 : Received Flood Certificate and updated, hence condition cleared. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| YE0JZHMB4HV | xx | xx | xx | New Jersey | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | YE0JZHMB4HV-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties as required by the guidelines.<br>Property List :-<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 | Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 | Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| 1VHULPT2LDL | xx | xx | xx | Connecticut | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 1VHULPT2LDL-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 | Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 | Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| 1VHULPT2LDL | xx | xx | xx | Connecticut | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 1VHULPT2LDL-SF53084O | Resolved | 3 | R | \* Title policy missing (Lvl R) | Final Title Policy is missing from the loan file. The commitment is available in the loan file. However, final title policy received dated 12/xx/2022 which is located at "xx - Final Title Policy" required changes are done. Hence resolve the issue<br>12-23-2022: Resolved- Final title policy received. Hence, exception has been resolved. | 12-23-2022: Resolved- Final title policy received. Hence, exception has been resolved. | 12-23-2022: Resolved- Final title policy received. Hence, exception has been resolved. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| 1VHULPT2LDL | xx | xx | xx | Connecticut | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | 1VHULPT2LDL-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Provide lease agreement for the property xx as it is missing in the loan file.<br>Resolved: Lease Agreement received on 12/23. | Resolved: Lease Agreement received on 12/23. | Resolved: Lease Agreement received on 12/23. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| 1VHULPT2LDL | xx | xx | xx | Connecticut | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit |  | 1VHULPT2LDL-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Provide a copy of hazard insurance of the subject property which reflects the premium amount.<br>Not resolved - 12/xx/2022 - Provided insurance does not reflect the premium amount.<br>Resolved: Received insurance premium for all properties - 1/12 | Resolved: Received insurance premium for all properties - 1/12 | Resolved: Received insurance premium for all properties - 1/12 |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 11/xx/2022 |
| HBL4SUCJHGS | xx | xx | xx | Connecticut | xx | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | HBL4SUCJHGS-WP2ZZ45K | Resolved | 3 | R | \* Missing flood cert (Lvl R) | Provide a copy of flood certificate as it is missing in the loan file.<br>Resolved - 12/xx/2022 - Received flood certificate. | Resolved - 12/xx/2022 - Received flood certificate. | Resolved - 12/xx/2022 - Received flood certificate. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| HBL4SUCJHGS | xx | xx | xx | Connecticut | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit |  | HBL4SUCJHGS-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Provide a copy of hazard insurance policy with sufficient coverage as the document provided in the file reflects insufficient coverage.<br>Resolved - 12/xx/2022 - Received hazard insurance. | Resolved - 12/xx/2022 - Received hazard insurance. | Resolved - 12/xx/2022 - Received hazard insurance. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| HBL4SUCJHGS | xx | xx | xx | Connecticut | xx | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | HBL4SUCJHGS-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br>xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 | Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 | Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| 3PMJKC2XCGI | xx | xx | xx | New York | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 3PMJKC2XCGI-DFWG7HN5 | Resolved | 3 | R | \* Missing proof of hazard insurance (Lvl R) | Provide a copy of hazard insurance policy as it is missing in the loan file.<br>Resolved - 12/xx/2022 - Received hazard insurance. | Resolved - 12/xx/2022 - Received hazard insurance. | Resolved - 12/xx/2022 - Received hazard insurance. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| 3PMJKC2XCGI | xx | xx | xx | New York | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | 3PMJKC2XCGI-WP2ZZ45K | Resolved | 3 | R | \* Missing flood cert (Lvl R) | Flood certificate is missing in the loan file.<br>Resolved: Flood cert received on 12/23. | Resolved: Flood cert received on 12/23. | Resolved: Flood cert received on 12/23. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| 3PMJKC2XCGI | xx | xx | xx | New York | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 3PMJKC2XCGI-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br>xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 | Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 | Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| NLR2I02QBP5 | xx | xx | xx | Connecticut | xx | Purchase | Not Covered/Exempt | 4 | 1 | Valuation | Valuation | NLR2I02QBP5-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br>a) xx<br> b) xx<br>Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 | Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 | Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| NLR2I02QBP5 | xx | xx | xx | Connecticut | xx | Purchase | Not Covered/Exempt | 4 | 1 | Valuation | Doc Issue | NLR2I02QBP5-WP2ZZ45K | Resolved | 3 | R | \* Missing flood cert (Lvl R) | Provide a copy of flood certificate as it is missing in the loan file.<br>Resolved: Flood cert received on 12/23. | Resolved: Flood cert received on 12/23. | Resolved: Flood cert received on 12/23. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| NLR2I02QBP5 | xx | xx | xx | Connecticut | xx | Purchase | Not Covered/Exempt | 4 | 1 | Credit | Assets Insufficient | NLR2I02QBP5-RDQHOAL4 | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | Verified assets: $410,380.04, Cash from borrower: $457684.29. However shortfall of asset: $47,304.25. Provide recent bank statements to recover the shortfall of asset.<br>Resolved : Received bank statement #xx with balance $304000 . 12/23. | Resolved : Received bank statement #xx with balance $304000 . 12/23. | Resolved : Received bank statement #xx with balance $304000 . 12/23. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| NLR2I02QBP5 | xx | xx | xx | Connecticut | xx | Purchase | Not Covered/Exempt | 4 | 1 | Valuation | Doc Issue | NLR2I02QBP5-JPQK8SU9 | Resolved | 3 | R | \* Missing Appraisal (Lvl R) | Appraisal report for the subject property located at "xx" is missing in the loan file.<br>Resolved: Appraisal report received - 12/19 | Resolved: Appraisal report received - 12/19 | Resolved: Appraisal report received - 12/19 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| NLR2I02QBP5 | xx | xx | xx | Connecticut | xx | Purchase | Not Covered/Exempt | 4 | 1 | Credit | Doc Issue | NLR2I02QBP5-VTZONJFR | Resolved | 3 | R | \* Credit report >90 days old at closing (Lvl R) | Provide updated credit report as credit report date is 11/xx/2021 and consummation date is xx which is more than 120 days and per lender guideline credit report accepted under 120 days.<br>Resolved: Per lender guideline credit report is good for 6 months - 12/27 | Resolved: Per lender guideline credit report is good for 6 months - 12/27 | Resolved: Per lender guideline credit report is good for 6 months - 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| NLR2I02QBP5 | xx | xx | xx | Connecticut | xx | Purchase | Not Covered/Exempt | 4 | 1 | Credit |  | NLR2I02QBP5-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling coverage ($618,000.00) reflected on the hazard insurance policy of the subject is not sufficient to cover the loan amount xx, and the annual premium amount is not reflected on the hazard document. Additionally, provide a hazard insurance policy for the property "xx".<br>Resolved: Hazard insurance document received on 12/23. | Resolved: Hazard insurance document received on 12/23. | Resolved: Hazard insurance document received on 12/23. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| 4XWIFIE4FTV | xx | xx | xx | Connecticut | xx | Refinance | Not Covered/Exempt | 4 | 1 | Credit |  | 4XWIFIE4FTV-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Provide a copy of hazard insurance policy with sufficient coverage as the document provided in the file reflects insufficient coverage.<br>Resolved: Hazard insurance document received on 12/23. | Resolved: Hazard insurance document received on 12/23. | Resolved: Hazard insurance document received on 12/23. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| 4XWIFIE4FTV | xx | xx | xx | Connecticut | xx | Refinance | Not Covered/Exempt | 4 | 1 | Valuation | Valuation | 4XWIFIE4FTV-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br>a) xx<br> b) xx<br> c) xx<br> d) xx<br> e) xx<br>Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 | Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 | Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 11/xx/2022 |
| VRV0ZD4TIE5 | xx | xx | xx | Texas | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | VRV0ZD4TIE5-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Secondary valuation missing in the loan file.<br>01/xx/2023 - BPO received. Hence, exception is resolved. | 01/xx/2023 - BPO received. Hence, exception is resolved. | 01/xx/2023 - BPO received. Hence, exception is resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| 1SSBQWD2WX3 | xx | xx | xx | Massachusetts | xx | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | 1SSBQWD2WX3-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | As per loan file appraisal date is xx and note date is xx (129 Days) which is more than 120 days of note date, Hence, we will require appraisal document in which appraisal date should come under 120 day of note date.<br>01/xx/2023 - We have received management approval on email to waive this exception with given factors. Hence, exception is waived. |  |  | Fico minimum at 620 for this trade - Fico in loan is 673.<br> LTV: xx%.<br> Liquidity is $33K.<br> Lease is above market rent |  | QC Complete | 12/xx/2022 |  |  | 12/xx/2022 |
| 1SSBQWD2WX3 | xx | xx | xx | Massachusetts | xx | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Credit | 1SSBQWD2WX3-H6XQ79BK | Waived | 4 | W | \* DSCR is less than 1.00 (Lvl W) | As per lender guideline, the minimum DSCR requirement for FICO less than 720 is 1.10; however, DSCR in this transaction is 0.91.<br>12/xx/2022 - We have received management approval on email to waive this exception with given factors. Hence, exception is waived. |  |  | Fico minimum at 620 for this trade - Fico in loan is 673.<br> LTV: 69.38%.<br> Liquidity is $33K.<br> Lease is above market rent |  | QC Complete | 12/xx/2022 |  |  | 12/xx/2022 |
| 1SSBQWD2WX3 | xx | xx | xx | Massachusetts | xx | Cash Out | Not Covered/Exempt | 3 | 2 | Valuation | Valuation | 1SSBQWD2WX3-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide Secondary valuation are CDA as per lender guideline we required Secondary Valuation are CDA is missing in the package.<br>12/xx/2022 - Resolved - Drive-By BPO report provided. Hence, the exception has been resolved. | 12/xx/2022 - Resolved - Drive-By BPO report provided. Hence, the exception has been resolved. | 12/xx/2022 - Resolved - Drive-By BPO report provided. Hence, the exception has been resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| WDJMFTVBACM | xx | xx | xx | New York | xx | Cash Out | Not Covered/Exempt | 3 | 2 | Valuation | Valuation | WDJMFTVBACM-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) required as per the guideline, missing in the loan document. <br>Provide updated document<br>01/xx/2023 - BPO received. Hence, exception is resolved. | 01/xx/2023 - BPO received. Hence, exception is resolved. | 01/xx/2023 - BPO received. Hence, exception is resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| WDJMFTVBACM | xx | xx | xx | New York | xx | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Credit | WDJMFTVBACM-H6XQ79BK | Waived | 4 | W | \* DSCR is less than 1.00 (Lvl W) | As per Lender guideline (CoreVest DSCR Guidelines Feb 2022 Final.pdf) Minimum DSCR ratio 1.00; FICO Score 680-699 and LTV is 70% For this loan DSCR is 0.83 and LTV more than 70% does not meet the guidelines.<br>01/xx/2023 - We have received management approval on email to waive this exception with given factors. Hence, exception is waived. |  |  | $3500 lease exceeds $3000 market rent from the 1007 which was used in the DSCR calculation.<br> Reserves of $84k |  | QC Complete | 12/xx/2022 |  |  | 12/xx/2022 |
| VZGUZZMFDPR | xx | xx | xx | West Virginia | xx | Cash Out | Not Covered/Exempt | 4 | 1 | Credit | Credit | VZGUZZMFDPR-PVUQVMNZ | Resolved | 2 | R | \* The property has unrepaired damages (Lvl R) | "xx".<br> As per appraisal report dated xx located at "xx", the subject property is in fair condition. The detached garage has some rear areas of rotten siding and a rear broken window. However, the completion report is not found in loan file.<br>1-24-2023- Resolved- Repaired photos are provided. Hence, exception has been resolved. | 1-24-2023- Resolved- Repaired photos are provided. Hence, exception has been resolved. | 1-24-2023- Resolved- Repaired photos are provided. Hence, exception has been resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| VZGUZZMFDPR | xx | xx | xx | West Virginia | xx | Cash Out | Not Covered/Exempt | 4 | 1 | Credit | Other Disclosures | VZGUZZMFDPR-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide Lease agreement for this property"xx" which is expired on 10/xx/2021.<br>Resolved :as per the lease agreement present in loan file , the lease period is November 1st 2020 to October 31st 2021 after that the lease continues to month to month lease. 12/27 | Resolved :as per the lease agreement present in loan file , the lease period is November 1st 2020 to October 31st 2021 after that the lease continues to month to month lease. 12/27 | Resolved :as per the lease agreement present in loan file , the lease period is November 1st 2020 to October 31st 2021 after that the lease continues to month to month lease. 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| 0FLP4FZAUVQ | xx | xx | xx | Maryland | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | 0FLP4FZAUVQ-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide the tax documents of the properties - xx.<br>Resolved: Received Tax sheet - 1/12 | Resolved: Received Tax sheet - 1/12 | Resolved: Received Tax sheet - 1/12 |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| 0FLP4FZAUVQ | xx | xx | xx | Maryland | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | 0FLP4FZAUVQ-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Provide the lease agreements of the Subject property : "xx of property :xx .<br>Resolved: Received Lease agreement - 1/12 | Resolved: Received Lease agreement - 1/12 | Resolved: Received Lease agreement - 1/12 |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| MVRG0PVZUDB | xx | xx | xx | Ohio | xx | Cash Out | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | MVRG0PVZUDB-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | " All 8 Properties appraisal date is xx and closing date is xx". which is more than 120 days. Provide the updated Appraisal's with in 90 days for all Properties.<br>Properties address are:: <br>"xx xx xx xx xx xx xx xx"<br>Not resolved : Appraisal documents missing in the loan file with in 120 days 12/27.<br>12/xx/2022 - We have received exception approval for above exception on email and as per we are waiving this exception. |  |  | Below are the compensating factors:<br> 1. FICO: 790<br> 2. LTV: xx%<br> 3. DSCR: 1.74x<br> 4. Liquidity: $200,000+<br> 5. Borrower is experienced<br> 6. All properties are leased - no vacant properties. |  | QC Complete | 01/xx/2023 |  |  | 01/xx/2023 |
| VKX3LCMJR21 | xx | xx | xx | New Jersey | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | VKX3LCMJR21-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Both CU scores are missing. Hence, as per the guideline, an appraisal risk review (ARR) or collateral desktop analysis (CDA) is required.<br>01/xx/2023 - BPO received. Hence, exception is resolved. | 01/xx/2023 - BPO received. Hence, exception is resolved. | 01/xx/2023 - BPO received. Hence, exception is resolved. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| VKX3LCMJR21 | xx | xx | xx | New Jersey | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | VKX3LCMJR21-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Received single page Guaranty Agreement which is incomplete. Please provide all the pages of agreement.<br>Resolved - 12/xx/2022 - Received Guaranty agreement. | Resolved - 12/xx/2022 - Received Guaranty agreement. | Resolved - 12/xx/2022 - Received Guaranty agreement. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| VKX3LCMJR21 | xx | xx | xx | New Jersey | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Property | VKX3LCMJR21-MYSUCTH6 | Resolved | 4 | R | \* Property is Commercial Prop (Lvl R) | As per tax report located at "Ln#xx.PG#42", the subject property type is commercial. As per appraisal report the subject is a 6 unit apartment building.<br>1-13-2023- Exception is informational. | 1-13-2023- Exception is informational. | 1-13-2023- Exception is informational. |  |  | QC Complete | 12/xx/2022 | 01/xx/2023 | 01/xx/2023 | 12/xx/2022 |
| Y1CTKX23RZQ | xx | xx | xx | Wisconsin | xx | Cash Out | Not Covered/Exempt | 4 | 1 | Valuation | Valuation | Y1CTKX23RZQ-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Appraisal Risk review date xx is after closing date xx.<br>Resolved: Received BPO - 12/23 | Resolved: Received BPO - 12/23 | Resolved: Received BPO - 12/23 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| ODK0XYSVHDU | xx | xx | xx | Florida | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | ODK0XYSVHDU-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | As per the lenders guidelines CDA is required for this loan, however the CDA is missing in this package.<br>Resolved - 12/xx/2022: Received BPO for the property and resolved condition. | Resolved - 12/xx/2022: Received BPO for the property and resolved condition. | Resolved - 12/xx/2022: Received BPO for the property and resolved condition. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| IROZOEC2BEG | xx | xx | xx | Delaware | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | IROZOEC2BEG-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Additional valuation present in package is dated xx which is after closing date xx. <br>Resolved : Condition not required. <br> Additional valuation present in package is Effective date is xx and closing date xx. 12/27 | Resolved : Condition not required. <br> Additional valuation present in package is Effective date is xx and closing date xx. 12/27 | Resolved : Condition not required. <br> Additional valuation present in package is Effective date is xx and closing date xx. 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| FC4WXWF2INI | xx | xx | xx | Tennessee | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit |  | FC4WXWF2INI-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling coverage ($235640) reflecting on the hazard insurance policy is not sufficient to cover the loan amount xx. Hence, replacement cost is required<br>Resolved 12/xx/2022: Received hazard insurance policy with dwelling coverage ($664807) and updated, hence condition cleared. | Resolved 12/xx/2022: Received hazard insurance policy with dwelling coverage ($664807) and updated, hence condition cleared. | Resolved 12/xx/2022: Received hazard insurance policy with dwelling coverage ($664807) and updated, hence condition cleared. |  |  | QC Complete | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 | 12/xx/2022 |
| RRAOXVGWIPW | xx | xx | xx | Florida | xx | Purchase | Not Covered/Exempt | 4 | 1 | Legal Docs | Doc Issue | RRAOXVGWIPW-DW5VNZ46 | Resolved | 3 | R | \* Condo / PUD rider Missing (Lvl R) | PUD rider missing in the package.<br>08/xx/2022 - Deed/Mortgages do not populate riders to the deed for PUD and Condo as there is specific language in the deeds that support this. Hence, exception is resolved. | 08/xx/2022 - Deed/Mortgages do not populate riders to the deed for PUD and Condo as there is specific language in the deeds that support this. Hence, exception is resolved. | 08/xx/2022 - Deed/Mortgages do not populate riders to the deed for PUD and Condo as there is specific language in the deeds that support this. Hence, exception is resolved. |  |  | QC Complete | 08/xx/2022 | 08/xx/2022 | 08/xx/2022 | 05/xx/2022 |
| RRAOXVGWIPW | xx | xx | xx | Florida | xx | Purchase | Not Covered/Exempt | 4 | 1 | Legal Docs | Doc Issue | RRAOXVGWIPW-V99AA17R | Resolved | 3 | R | \* Prepayment Rider Missing (Lvl R) | Prepayment rider is missing from the loan file.<br>08/xx/2022 - Client do not issue prepay riders to the deed. All prepay verbiage in embedded in the notes. Hence, exception is resolved. | 08/xx/2022 - Client do not issue prepay riders to the deed. All prepay verbiage in embedded in the notes. Hence, exception is resolved. | 08/xx/2022 - Client do not issue prepay riders to the deed. All prepay verbiage in embedded in the notes. Hence, exception is resolved. |  |  | QC Complete | 08/xx/2022 | 08/xx/2022 | 08/xx/2022 | 04/xx/2022 |
| RRAOXVGWIPW | xx | xx | xx | Florida | xx | Purchase | Not Covered/Exempt | 4 | 1 | Credit | Doc Issue | RRAOXVGWIPW-U1CA63D2 | Resolved | 3 | R | \* Application Missing (Lvl R) | Initial and final 1003 application are missing from the package.<br>08/xx/2022 - Initial 1003 received. Final 1003 is not required on the business purpose loans. Hence, exception is resolved. | 08/xx/2022 - Initial 1003 received. Final 1003 is not required on the business purpose loans. Hence, exception is resolved. | 08/xx/2022 - Initial 1003 received. Final 1003 is not required on the business purpose loans. Hence, exception is resolved. |  |  | QC Complete | 08/xx/2022 | 08/xx/2022 | 08/xx/2022 | 04/xx/2022 |
| RRAOXVGWIPW | xx | xx | xx | Florida | xx | Purchase | Not Covered/Exempt | 4 | 1 | Credit | Guidelines | RRAOXVGWIPW-28GAQH2C | Resolved | 4 | R | \* Income documentation does not meet guidelines (Lvl R) | This is DSCR loan, however lease agreement or 1007 is missing in file. Unable to calculate DSCR.<br>08/xx/2022 - We have received the client confirmation with screen shot as this loan is no ratio loan. Hence, no action is needed and condition is resolved. | 08/xx/2022 - We have received the client confirmation with screen shot as this loan is no ratio loan. Hence, no action is needed and condition is resolved. | 08/xx/2022 - We have received the client confirmation with screen shot as this loan is no ratio loan. Hence, no action is needed and condition is resolved. |  |  | QC Complete | 08/xx/2022 | 08/xx/2022 | 08/xx/2022 | 05/xx/2022 |
| 5XUXTBXJGH2 | xx | xx | xx | California | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 5XUXTBXJGH2-U1CA63D2 | Resolved | 3 | R | \* Application Missing (Lvl R) | Final 1003 is missing in file.<br>08/xx/2022 - Initial 1003 was available in loan file. Final 1003 is not required on the business purpose loans. Hence, exception is resolved. | 08/xx/2022 - Initial 1003 was available in loan file. Final 1003 is not required on the business purpose loans. Hence, exception is resolved. | 08/xx/2022 - Initial 1003 was available in loan file. Final 1003 is not required on the business purpose loans. Hence, exception is resolved. |  |  | QC Complete | 08/xx/2022 | 08/xx/2022 | 08/xx/2022 | 04/xx/2022 |
| 5XUXTBXJGH2 | xx | xx | xx | California | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 5XUXTBXJGH2-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Borrower's government photo ID is missing in the file.<br>Resolved: Received Identity Affidavit with notarization from the closing agent.-10/7 | Resolved: Received Identity Affidavit with notarization from the closing agent.-10/7 | Resolved: Received Identity Affidavit with notarization from the closing agent.-10/7 |  |  | QC Complete | 08/xx/2022 | 10/xx/2022 | 10/xx/2022 | 05/xx/2022 |
| H0YRL1OUV4I | xx | xx | xx | California | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | H0YRL1OUV4I-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Borrower's government photo ID is missing in the file.<br>Resolved: Driver's License received -10/7 | Resolved: Driver's License received -10/7 | Resolved: Driver's License received -10/7 |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 05/xx/2022 |
| H0YRL1OUV4I | xx | xx | xx | California | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Legal Docs | Doc Issue | H0YRL1OUV4I-V99AA17R | Resolved | 3 | R | \* Prepayment Rider Missing (Lvl R) | Prepayment rider is missing in the file.<br>08/xx/2022 - Client do not issue prepay riders to the deed. All prepay verbiage in embedded in the notes. Hence, exception is resolved. | 08/xx/2022 - Client do not issue prepay riders to the deed. All prepay verbiage in embedded in the notes. Hence, exception is resolved. | 08/xx/2022 - Client do not issue prepay riders to the deed. All prepay verbiage in embedded in the notes. Hence, exception is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 04/xx/2022 |
| H0YRL1OUV4I | xx | xx | xx | California | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Application | H0YRL1OUV4I-Z5OC4DZ8 | Resolved | 2 | R | \* Final 1003 does not has LO sign (Lvl R) | Final 1003 is missing the loan file.<br>08/xx/2022 - Initial 1003 was available in loan file. Final 1003 is not required on the business purpose loans. Hence, exception is resolved. | 08/xx/2022 - Initial 1003 was available in loan file. Final 1003 is not required on the business purpose loans. Hence, exception is resolved. | 08/xx/2022 - Initial 1003 was available in loan file. Final 1003 is not required on the business purpose loans. Hence, exception is resolved. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 05/xx/2022 |
| PIQK3PFVFDT | xx | xx | xx | California | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | PIQK3PFVFDT-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL : Charged 5.408% Allowed 5.120% Over by+0.288%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 05/xx/2022 |
| PIQK3PFVFDT | xx | xx | xx | California | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | PIQK3PFVFDT-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL : Charged 5.408% Allowed 5.120% Over by +0.288%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (CA AB 260, California Financial Code Division 1.9 4995(a)). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (CA AB 260, California Financial Code Division 1.9 4995(a)). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (CA AB 260, California Financial Code Division 1.9 4995(a)). |  |  | QC Complete | 11/xx/2022 | 01/xx/2023 | 01/xx/2023 | 11/xx/2022 |
| PIQK3PFVFDT | xx | xx | xx | California | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Income | PIQK3PFVFDT-L3KXO96W | Resolved | 3 | R | \* Reverification within 10 days is missing (Lvl R) | Verbal verification within 10 days of closing is missing in file.<br>5/xx/2022 - Received VVOE dated 2/2/2022 which is prior to PCCD in the file in which disbursement date is xx and issued date is 2/xx/2022. | 5/xx/2022 - Received VVOE dated 2/2/2022 which is prior to PCCD in the file in which disbursement date is xx and issued date is 2/xx/2022. | 5/xx/2022 - Received VVOE dated 2/2/2022 which is prior to PCCD in the file in which disbursement date is xx and issued date is 2/xx/2022. |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 05/xx/2022 |
| KVXDZ0HMEBQ | xx | xx | xx | California | xx | Cash Out | Non-QM/Compliant | 1 | 1 | Credit |  | KVXDZ0HMEBQ-4ZA4ZEZQ | Resolved | 4 | R | \* DTI > 50% (Lvl R) | Profit and Loss (P&L) statement for 2021 available in file & income calculated as $8,346.25. DTI is 89.93% which exceeds the guidelines limit<br>6/2/2022 - Not Resolved - Income calculated as $100,155 / 12 months = $8,346.25. (Officer Salary is considered in the calculation)<br>6/3/2022 - Resolved - Income calculated officer salary $84,000/12 = $7,000 and $100,155/12 = $8346.25 from the Net Income for the company. Total income $15,346.25. Hence DTI (48.91%) is within the threshold limit and condition is resolved. | 6/3/2022 - Resolved - Income calculated officer salary $84,000/12 = $7,000 and $100,155/12 = $8346.25 from the Net Income for the company. Total income $15,346.25. Hence DTI (48.91%) is within the threshold limit and condition is resolved. | 6/3/2022 - Resolved - Income calculated officer salary $84,000/12 = $7,000 and $100,155/12 = $8346.25 from the Net Income for the company. Total income $15,346.25. Hence DTI (48.91%) is within the threshold limit and condition is resolved. |  |  | QC Complete | 05/xx/2022 | 06/xx/2022 | 06/xx/2022 | 05/xx/2022 |
| 4N2TTLKTGO0 | xx | xx | xx | California | xx | Purchase | Non-QM/Compliant | 1 | 1 | Credit | Guidelines | 4N2TTLKTGO0-3L2978EM | Resolved | 3 | R | \* Assets do not meet guidelines (Lvl R) | Gift latter available in loan file from father-in-law and husband which amount of $19,279.26 and $167,782 respectively. However bank statement missing in file to reflect gift amount credited. 5/xx/2022 - Received Gift letter , proof of deposit in bank and incoming wire document for the gifts. Hence condition is resolved. | 5/xx/2022 - Received Gift letter , proof of deposit in bank and incoming wire document for the gifts. Hence condition is resolved. | 5/xx/2022 - Received Gift letter , proof of deposit in bank and incoming wire document for the gifts. Hence condition is resolved. |  |  | QC Complete | 05/xx/2022 | 05/xx/2022 | 05/xx/2022 | 05/xx/2022 |
| 135EDQBXL1S | xx | xx | xx | California | xx | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 135EDQBXL1S-3L2978EM | Waived | 3 | W | \* Assets do not meet guidelines (Lvl W) | Asset is not sufficient for Reserve. Verified Asset is $16,667.38 and Cash from Borrower is $11,362.00 and as per lender guideline we required reserve for 4 month if LTV is more than 75%. In this loan LTV is xx% so Reserve amount = 4 months X $2,944.50 = $11,778.00. However after closing Borrower have $5,305.38 asset is remaining. Asset Shortage $11,362.00-$5,305.38 = $6,056.62.<br>5/xx/2022 - Not Resolved - Received PCCD from client with cash to close $12,932.73 (cash from borrower). Verified assets $3,608.66 and Gift funds $13,058.52 ($1,846.52+$11,212) in the file $16,667.18 and reserve requirement $11,778. Short of assets $8,043.55<br>6/8/2022 - Received LOE with compensating factor to offset short reserves in the loan citing this as an warning and waived off the exception. |  |  | 1. The subject property is primary residence and the only property borrower owns. <br> 2. Housing ratio (front-end) is only 28.04%, even the back-end is 32.04% as borrower does have little obligations on debts.<br> 3. Borrower has a good credit score, 779with established history nearly12 years. She has never been late on any of accounts, very responsible borrower with stable and reliable payment behavior. |  | QC Complete | 05/xx/2022 |  |  | 05/xx/2022 |
| KYPFTYPQCGY | xx | xx | xx | California | xx | Refinance | Non-QM/Compliant | 2 | 1 | Credit | Assets Insufficient | KYPFTYPQCGY-YHOZ28S0 | Resolved | 3 | R | \* Cash reserves less than required by guidelines (Lvl R) | Assets are short in the amount of $260.53. Funds required at closing per the Final CD $260.53, however asset documents are missing.<br>5/xx/2022 - In the file we have PCCD dated 02/xx/2022 and Cash to close is $2,000 (Cash to borrower). Hence asset are not required. Condition is resolved. | 5/xx/2022 - In the file we have PCCD dated 02/xx/2022 and Cash to close is $2,000 (Cash to borrower). Hence asset are not required. Condition is resolved. | 5/xx/2022 - In the file we have PCCD dated 02/xx/2022 and Cash to close is $2,000 (Cash to borrower). Hence asset are not required. Condition is resolved. |  |  | QC Complete | 08/xx/2022 | 08/xx/2022 | 08/xx/2022 | 06/xx/2022 |
| 47245381 | xx | xx | xx | California | xx | Refinance | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | 47245381-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL : Charged 4.606% Allowed 4.220% Over by +0.386%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 08/xx/2022 |
| 47245381 | xx | xx | xx | California | xx | Refinance | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | NNKIBNSZUSF-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL : Charged 4.606% Allowed 4.220% Over by +0.386%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (CA AB 260, California Financial Code Division 1.9 4995(a)). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (CA AB 260, California Financial Code Division 1.9 4995(a)). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (CA AB 260, California Financial Code Division 1.9 4995(a)). |  |  | QC Complete | 11/xx/2022 | 01/xx/2023 | 01/xx/2023 | 05/xx/2022 |
| PZUW1CV5JDX | xx | xx | xx | California | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | PZUW1CV5JDX-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail 4.395% 4.340% +0.055%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 11/xx/2022 | 11/xx/2022 | 11/xx/2022 | 08/xx/2022 |
| PZUW1CV5JDX | xx | xx | xx | California | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | PZUW1CV5JDX-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail Charged: 4.395% Allowed: 4.340% Over by:+0.055%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (CA AB 260, California Financial Code Division 1.9 4995(a)). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (CA AB 260, California Financial Code Division 1.9 4995(a)). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (CA AB 260, California Financial Code Division 1.9 4995(a)). |  |  | QC Complete | 11/xx/2022 | 01/xx/2023 | 01/xx/2023 | 05/xx/2022 |
| TM5CL41OC0V | xx | xx | xx | Texas | xx | Purchase | Non-QM/Compliant | 2 | 1 | Credit | Assets Insufficient | TM5CL41OC0V-YHOZ28S0 | Resolved | 3 | R | \* Cash reserves less than required by guidelines (Lvl R) | As per given package verified asset amount $108848.58 and cash to close $100,349.39, required reserves $10,243.72. Liquid cash reserves $8,499.19. Shortage reserves $1744.53, assets are not sufficient to close need additional assets. 5/xx/2022 - Received Post close bank statement with evidence of Closing cost been paid by borrower from the Bank xx a/c #xx and xx a/c #xx and have sufficient balance to cover the reserve requirement. Hence condition is resolved | 5/xx/2022 - Received Post close bank statement with evidence of Closing cost been paid by borrower from the Bank xx a/c #xx and xx a/c #xx and have sufficient balance to cover the reserve requirement. Hence condition is resolved | 5/xx/2022 - Received Post close bank statement with evidence of Closing cost been paid by borrower from the Bank xx a/c #xx and xx a/c #xx and have sufficient balance to cover the reserve requirement. Hence condition is resolved |  |  | QC Complete | 08/xx/2022 | 08/xx/2022 | 08/xx/2022 | 06/xx/2022 |
| OHMTUX1IMLZ | 105944 | 39251 | XX | New York | 05/XX/2022 | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | OHMTUX1IMLZ-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties: xx Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27 | Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27 | Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/22 | 12/xx/2022 | 12/xx/2022 |
| 1VHULPT2LDL | 105946 | 39306 | XX | Connecticut | 02/xx/2022 | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 1VHULPT2LDL-ZI5GG5MN | Resolved | 3 | R | Automated Appraisal Review Missing (Lvl R) | Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties: xx Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the ad | Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 | Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27 |  |  | QC Complete | 12/xx/2022 | 12/xx/22 | 12/xx/2022 | 12/xx/2022 |

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## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

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| **Dummy ID** | **Loan Number** | **Seller Loan Number** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| 4HNAEWK1UBR | xx | xx | xx | New York | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Title holder is not an individual - EV R<br> COMMENT: The subject property originated as LLC in the name of xx. The LLC agreement is missing from the loan file.<br>7-12-2022 - Provided LLC agreement. Hence, exception has been resolved.<br>\*\*\* (CURED) Transmittal (1008) is Missing - EV R<br> COMMENT: Provide 1008 as it is missing in package. | \*\*\* (WAIVED) Required Documentation Missing or Incomplete - EV W<br> COMMENT: Provide the missing 1004D as required by guidelines<br>7-12-2022 : the condition had been raised for 1004D / completion cert but have received secondary valuation which does not suffice the condition .condition not resolved.<br>07/xx/2022 - Not resolved - Received appraisal document which says "subject to the following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: Appraisal is subject to inspection of units 3 & 4 being completed.". 1004D / completion cert is still missing.<br>07/xx/2022 - Received approved exception request form stating "Due to covid concerns, Appraiser was unable to inspect every unit". | Borrower has a high credit score of 760, an as-stabilized DSCR of 1.7 as well as inheriting tenants from previous owner. | Blanket | xx | xx | xx | Investor | Purchase | 760 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 01/xx/2023 |
| RFCEADP2B1Y | xx | xx | xx | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Appraisal report for "xx" missing in the file.<br>07/xx/2022 - Appraisal received for "xx". Hence, Condition is resolved.<br>\*\*\* (CURED) Appraised value is less than loan amt. - EV R<br> COMMENT: The Appraisal report reflects the appraised value as xx and the loan amount is xx which is resulting in the LTV of xx%<br>07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx so the total of both the appraisal is xx. Sales price is xx which is lower than appraised value due to which LTV is xx%. Hence, Condition is resolved.<br>\*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: Per the settlement statement received dated 02/xx/2022, the total cash from borrower is $181,414.63; however, the total verified assets is $167526.81, which results in a shortfall of $13887.82. Need to sufficient assets to cover the shortfall of assets.<br>07/xx/2022 - Not Resolved - We have received POF calculator which is not sufficient to clear this exception. Moreover, we are missing HUD for xx property.<br>07/xx/2022 - Received updated HUD settlement statement stating cash from borrower is $91,947.82 and borrower has sufficient cash to cover closing cost and reserve requirement. Hence, condition is resolved.<br>\*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Hazard insurance coverage amount does not cover loan amount. Hazard insurance coverage amount is $225,000, loan amount is xx and Total Estimate of Cost New is $226,800. Moreover, Replacement Cost is missing from the file.<br>7-12-2022 : Condition had been raised for the reconstruction estimate or the hazard insurance with sufficient dwelling to cover the loan amount.<br>07/xx/2022 - Not Resolved - Estimated Replacement Cost received of $248,948.00 which is more than dwelling coverage of $225,000.00.<br>07/xx/2022 - Received signed letter from the Insurance company stating that it is 100% replacement cost. Hence, exception is resolved.<br>\*\*\* (CURED) LTV / CLTV > 100% - EV R<br> COMMENT: As per lender guideline maximum LTV allowed 80% however in this loan LTV is xx%, hence it is breaching the allowable threshold limit as per guideline. Appraisal value is xx and sale price is xx considering the lower value for LTV (xx). The LTV to be recalculated once the missing appraisal for property "xx" is received.<br>07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx so the total of both the appraisal is xx. Sales price is xx which is lower than appraised value due to which LTV is xx%. Hence, Condition is resolved.<br>\*\*\* (CURED) LTV or CLTV exceeds 104% - EV R<br> COMMENT: As per lender guideline Maximum LTV allowed 80% however in this loan it is xx%, hence it is falling outside guideline. Appraisal value is xx and Sale price is xx<br> Am considering the lower value.<br>07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx so the total of both the appraisal is xx. Sales price is xx which is lower than appraised value due to which LTV is xx%. Hence, Condition is resolved.<br>\*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: Provide a copy of note signed at closing.<br>07/xx/2022 - Received signed note. Hence, exception cleared.<br>\*\*\* (CURED) Signatures at closing - There is an issue with not all property owners signing the title. - EV R<br> COMMENT: The review of the updated title report dated 6/2/2022 shows that the subject mortgage was originated in the amount of xx on 2/xx/2022 with the lender xx, xx which was recorded on 2/xx/2022. However, the alert note shows xx and xx as Gaurantor for xx, mortgage only signed by xx. No documents have been found regarding xx interest.<br>7-12-2022 : provided promissory note has only one borrower signature (xx) did not receive the other borrower signature (xx) . condition not resolved<br>07/xx/2022 - The guarantor signed all the documents that the guarantor is required to sign, the mortgage is not one of those documents. The consent of members authorizes the other member to sign all the other docs. Hence, exception is resolved.<br>\*\*\* (CURED) Title Rvw shows lower lien position than loan docs - EV R<br> COMMENT: The subject mortgage is in second lien position.<br> The review of the updated title report dated 6/2/2022 shows that there is a prior mortgage (Subject to Tax Deed) in the favor of xx. xx of IN, in the amount of $78,000.00 which was recorded on 8/3/2005.<br>\*\*\* (CURED) Transmittal (1008) is Missing - EV R<br> COMMENT: Provide a copy of final 1008 as it is missing in the file. |  |  | Blanket | xx | xx | xx | Investor | Purchase | 724 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 11/xx/2022 |
| 4LYDITAAEL0 | xx | xx | xx | Pennsylvania | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Provide Lease agreement for property "xx" as Lease agreement is missing in package.<br>\*\*\* (CURED) DSCR is less than 1.00 - EV R<br> COMMENT: As per lender guideline Sharestates - DSCR Guideliness_Dec2021- Updated.pdf minimum DSCR is 1.20 however in this loan it is 0.36 hence it is breaching the guideline.<br>07/xx/2022 - DSCR 2.45 is calculated as per the Appraisal documents received. Hence, condition is resolved.<br>\*\*\* (CURED) Signatures at closing - There is an issue with not all property owners signing the title. - EV R<br> COMMENT: There is an partial interest issue.<br> The mortgage was originated with the "xx" recorded on 2/xx/2022 and the mortgage was signed by the xx. However, the updated title report dated 6/2/2022 alert note shows as "xx and xx" as Guarantor of xx, but mortgage is only signed by the "xx" and signature of xx is missing from the subject mortgage.<br>7-25 - Resolved - Received explanation from client that "consent of members authorizes xx to sign in place of the other members". |  |  | Blanket | xx | xx | xx | Investor | Cash Out | 724 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 06/xx/2022 |
| 1HVZB5GE44B | xx | xx | xx | New Jersey | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  | \*\*\* (OPEN) Title Review shows outstanding delinquent taxes - EV 2<br> COMMENT: As per the updated title report dated 08/xx/2022 (property address: xx), the 3rd installment taxes for the year 2022 are delinquent for the amount of $4563.90 which were due on 08/xx/2022 and good through as 08/xx/2022. | \*\*\* (CURED) Active Judgment Against Borrower - EV R<br> COMMENT: As per the updated title report dated 06/xx/2022, there is prior UCC lien recorded on 08/xx/2018 for the amount of $0.00 in the favor of xx.<br>7/xx/2022- Received response from seller that the UCC lien should not an issue regards to title for the property and condition has been resolved.<br>\*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Appraisal report missing for the property "xx". The LTV to be recalculated once the missing appraisal is received.<br>07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx and for property "xx" appraised value is xx so the total of both the appraisal is xx. Due to which LTV is xx%. Hence, Condition is resolved.<br>\*\*\* (CURED) DSCR is less than 1.00 - EV R<br> COMMENT: DSCR arrives at 0.86 However as per lending guide the minimum DSCR ratio should be 1.20 for multi family.<br>07/xx/2022 - DSCR 1.36 is calculated as per the Appraisal documents received. Hence, condition is resolved.<br>\*\*\* (CURED) LTV / CLTV > 100% - EV R<br> COMMENT: As per the guidelines the minimum LTV is 75% However Loan amount is xx & Apprised value is xx Which comes to LTV at xx% "Appraisal is missing for the property "xx" he LTV to be recalculated once the missing appraisal is received<br>07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx and for property "xx" appraised value is xx so the total of both the appraisal is xx. Due to which LTV is xx%. Hence, Condition is resolved.<br>\*\*\* (CURED) LTV or CLTV exceeds xx% - EV R<br> COMMENT: As per the guidelines the minimum LTV is 75% , but as per the appraisal the LTV is xx% which is no acceptable<br>07/xx/2022 - Appraisal received for "xx". Which reflects appraised value as xx and for property "xx" appraised value is xx so the total of both the appraisal is xx. Due to which LTV is xx%. Hence, Condition is resolved.<br>\*\*\* (CURED) Transmittal (1008) is Missing - EV R<br> COMMENT: loan transmittal summary 1008 is missing in the package |  |  | Blanket | xx | xx | xx | Investor | Cash Out | 726 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 11/xx/2022 |
| PX3SPWJ0OA0 | xx | xx | xx | New Jersey | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject property is located in a FEMA designated disaster area (recent). - EV R<br> COMMENT: Provide flood insurance document. Property in flood zone and missing in the flood insurance document in the package. |  |  | Single Family | xx | xx | xx | Investor | Purchase | 750 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 06/xx/2022 |
| LYZMSDJNS2R | xx | xx | xx | California | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 781 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/xx/2022 |
| 2WU0KPFK0P2 | xx | xx | xx | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Title policy missing - EV R<br> COMMENT: Please provide a copy of purchase deed from "xx to xx"<br>08/xx/2022 - Purchase deed is not required as final title policy on pg 501 of the loan file has owner name xx. Hence, exception is resolved. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 758 |  | xx |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 11/xx/2022 |
| ZG0ADMLREDR | xx | xx | xx | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Dwelling coverage amount $365,651.00, Total Estimate of Cost-New $644,670.00 and Loan amount xx. Hazard coverage amount not covering the loan amount and Replacement Cost Estimator is missing from the file.<br>09/xx/2022 - New hazard insurance policy received with dwelling coverage amount of $443,105.00. Moreover, we have received estimated replacement cost of $401,182.34 which is covered by dwelling amount. Hence, exception is resolved. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 726 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 11/xx/2022 |
| JJEAR2XCIKK | xx | xx | xx | Nevada | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: As per desk review value is xx and main appraisal value is xx so variance -10.204 ,allowed variance + or - 10% variance, but variance is more then 10%. Please provide additional valuation from below 3 product list.<br>Clear Capital - Collateral Desktop Analysis (CDA);<br> Proteck - Appraisal Risk Review (ARR); or<br> Red Bell - Valuation Risk Review (VRR).<br>10/xx/2022 - We have used lower value which is xx which satisfy the exception. Hence, exception is resolved. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 766 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 09/xx/2022 |
| ZPKWJ1SSPD0 | xx | xx | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Dwelling coverage ($311,000.00) reflecting on the hazard insurance policy is not sufficient to cover the loan amount xx; however, replacement cost estimator is not present in file and policy includes home protector coverage 25% which is not covered by the dwelling coverage.<br>10/xx/2022 - Resolved - Property coverage document has been provided. Hence, Condition is resolved. |  |  | PUD | xx | xx | xx | Primary | Refinance | 751 | 1.17 | xx | 8 | $11758.41 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.376% |  | Alternative | QC Complete | 11/xx/2022 |
| JXQIXKTOXPU | xx | xx | xx | Massachusetts | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Please provide the Mortgage statement for "xx". In credit report it is dated 5/3/2022 and the last paid date is 3/xx/2022.<br>10/xx/2022 - Supplemental Credit report in the file on page no 459 shows the xx is current with the last paid date of 5/5/2022. Hence, exception is resolved. |  |  | 3 Family | xx | xx | xx | Investor | Purchase | 739 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 09/xx/2022 |
| FWAPTQ5NF3W | xx | xx | xx | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal is stale dated without recertification in file - EV R<br> COMMENT: Provided Appraisal is inspected on dated xx(effective date of appraisal xx), however loan closing on xx. As per the guideline, appraisal report must be completed no earlier than 120 days prior to the Note Date.<br>Resolved: Appraisal received - 10/13<br>\*\*\* (CURED) Compliance Testing - EV R<br> COMMENT: The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee. Brokerage/Finder Fee Test Fail : Charged $9,375.00 Allowed $5,180.00 Over By +$4,195.00 Points - Loan Discount Fee - $2,745.00 Administration Fee - $1,450.00 Mortgage Broker Fee - $5,180.00<br>Resolved 10/xx/2022 : Received LOE for brokerage/finder fee exceeds and updated, hence condition cleared.<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Higher-Priced Mortgage Loan Test Fail : Charged 8.599% Allowed 7.380% Over by +1.219%<br>\*\*\* (CURED) Title issue - EV R<br> COMMENT: The successor and assignee clause is missing from the final title policy. This can be cured by adding an addendum with successor and assignee clause.<br>11/xx/2022- Resolved- Revised copy of final title policy with successor and assignee clause has been received. Hence, exception has been resolved. |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 587 | 6 | xx | 11.08 | $4730.42 | Mos Reviewed:24<br> Times 1X30:1<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 50.193% |  | Full Documentation | QC Complete | 11/xx/2022 |
| C0SSINGA0EW | xx | xx | xx | Illinois | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure in the loan file. Require Initial Closing Disclosure.<br>Resolved 10/xx/2022 : Received Initial Closing Disclosure document and updated, hence condition cleared.<br>\*\*\* (CURED) Title policy missing - EV R<br> COMMENT: Final title policy is missing from the loan file. However, values are updated from commitment located at (xx xx Pg#467).<br>10/xx/2022- Final title policy received. Hence, exception is resolved. |  |  | Single Family | xx | xx | xx | Primary | Purchase | 741 |  | xx | 22 | $11436.70 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.831% | No | Alternative | QC Complete | 09/xx/2022 |
| SVLVLMGBWGI | xx | xx | xx | Pennsylvania | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling amount $177,300.00 is not sufficient to cover the loan amount xx. Require Hazard insurance policy with sufficient coverage.<br>Resolved: HOI policy received - 10/13<br>\*\*\* (CURED) Title policy missing - EV R<br> COMMENT: The final title policy is missing from the loan file. However, we have title commitment. This is the new originations loans so we are waiting for final title policy.<br>10/xx/2022- Resolved- Final title policy received. Hence, exception is resolved. |  |  | PUD | xx | xx | xx | Secondary | Purchase | 721 |  | xx | 20 | $9425.47 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.838% | No | Alternative | QC Complete | 09/xx/2022 |
| FGULBW4IDKM | xx | xx | xx | Colorado | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 8.296% Allowed 6.870% Over by +1.426%.<br>\*\*\* (CURED) Title policy missing - EV R<br> COMMENT: Final title policy is missing from the loan file. However, title commitment is located at xx.xx Pg#508.<br>1-20-2023-Resolved- Final title policy received. Hence, exception has been resolved. |  |  | PUD | xx | xx | xx | Primary | Purchase | 667 |  | xx | 3.83 | $5837.92 | Mos Reviewed:24<br> Times 1X30:2<br> Times 1X60:1<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.551% | No | Full Documentation | QC Complete | 11/xx/2022 |
| QEOKRISUCPT | xx | xx | xx | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide additional valuation as both CU & LCU score is missing & as per lender guideline additional valuation required; however, it is missing in the loan file.<br>Resolved: CU & LCA score received - 10/13<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> Higher-Priced Mortgage Loan Test Fail : Charged 8.376% Allowed 6.660% Over by +1.716%<br>\*\*\* (CURED) Title policy missing - EV R<br> COMMENT: Final title policy is missing from the loan file. However, values are updated from commitment located at (xx-xx Pg#670).<br> 11/2/2022: Received final TPOL; hence, exception has been resolved. |  |  | Single Family | xx | xx | xx | Primary | Refinance | 615 | 3 | xx | 8.83 | $67782.18 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.773% |  | Alternative | QC Complete | 11/xx/2022 |
| B3LTXWV2BFY | xx | xx | xx | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Borrower is a Permanent Resident Alien , not a US Citizen please provide the PRA card front and Back copy ,Acceptable Visa.<br>Resolved: PRA card received - 10/13<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged 7.731% Allowed 6.810% Overby +0.921%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan passed the MA 209 CMR 32.35 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations. While the Code of Massachusetts Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 7.731% Allowed 6.810% Over by +0.921%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation MA 209 CMR 32.35.<br>\*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Missing complete 24 months bank statements needed to calculate income. Provide xx account \*\*\*xx statements for the months (11/2021, 3/2021 , 02/2021 & 01/2021) to calculate the income accurately.<br>Resolved: Bank statement received - 10/13 |  |  | Single Family | xx | xx | xx | Primary | Purchase | 807 |  | xx | 6 | $8192.02 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.075% | Yes | Alternative | QC Complete | 11/xx/2022 |
| DXQ0GEHPFVK | xx | xx | xx | South Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met<br>Higher-Priced Mortgage Loan Test Fail: Charged 9.056% Allowed 6.810% Over by +2.246% |  |  | PUD | xx | xx | xx | Primary | Cash Out | 580 | 1.92 | xx | 30 | $8739.47 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 49.819% |  | Full Documentation | QC Complete | 11/xx/2022 |
| IRWQGUOMYYW | xx | xx | xx | Florida | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> Higher-Priced Mortgage Loan Test Fail : Charged 10.990% Allowed 7.360% Over by +3.630% |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 601 | 9.25 | xx | 20 | $20819.25 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 25.842% |  | Full Documentation | QC Complete | 12/xx/2022 |
| L5UJXWFGVPQ | xx | xx | xx | Massachusetts | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> Higher-Priced Mortgage Loan Test Fail : Charged 8.119% Allowed 6.810% Over by +1.309%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan passed the MA 209 CMR 32.35 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations. While the Code of Massachusetts Regulations provisions specify that lenders may lawfully make this type of loan subject to<br> certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund<br> or buy higher-priced mortgage loans even if the additional conditions are met.<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test Fail : Charged 8.119% Allowed 6.810% Over by +1.309%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation MA 209 CMR 32.35.<br>\*\*\* (CURED) 0% Tolerance Fees test fail - EV R<br> COMMENT: TRID Violation due to a fee increase on revised CD dated 7/xx/2022. Initial LE dated 06/xx/2022 reflects a Points - Loan Discount Fee at $422.00, however, revised CD dated 7/xx/2022 reflects the Points - Loan Discount Fee at $843.75. This is a fee increase of $421.75 which exceeds the 0% tolerance. Please provide either a valid COC or PCCD, LOE, proof of delivery, and copy of refund check in the amount of $421.75.<br>Resolved 10/xx/2022 : Received PCCD with Cure amount and updated, hence condition cleared. |  |  | 2 Family | xx | xx | xx | Primary | Purchase | 771 |  | xx | 10 | $12912.96 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.318% | No | Alternative | QC Complete | 11/xx/2022 |
| 1MWWI44VROY | xx | xx | xx | Nevada | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Primary | Purchase | 730 |  | xx | 5 | $13715.58 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.791% | No | Full Documentation | QC Complete | 10/xx/2022 |
| FKUWZDPNFMX | xx | xx | xx | Nevada | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 670 |  | xx | 18 | $5596.06 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.293% | No | Full Documentation | QC Complete | 09/xx/2022 |
| CXLBPJ4WUHJ | xx | xx | xx | Nevada | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling coverage ($293000) reflecting on the hazard insurance policy is not sufficient to cover the loan amount xx; also require Hazard document Page with Correct Mortgagee Clause.<br>10/xx/2022 - Updated hazard insurance received with updated dwelling amount. Hence, exception is resolved.<br>\*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: Hazard Insurance policy is missing in the file. Only invoice is present for the hazard insurance policy.<br>10/xx/2022 - Resolved - HOI document has been provided. Hence, condition is resolved. |  |  | PUD | xx | xx | xx | Investor | Purchase | 737 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 10/xx/2022 |
| 1BYUEEZI4F1 | xx | xx | xx | Mississippi | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: Provide additional asset as asset is shortage for reserve requirement, as per lender guideline cash-out amount can be used for reserves after 2 months verified from borrower's own fund; however, in this loan 2 months X $690.14 = $1,380.28. Borrower's fund = $1,039.08. Hence, asset is shortage for $1,380.28-$1,039.08 = $341.20<br>Provide additional asset of $341.20 to fulfill the reserve requirement.<br>10/xx/2022 - Resolved - Additional asset document provided. Hence, Condition has been resolved. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 664 |  |  |  | $7528.09 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 43.227% |  | Full Documentation | QC Complete | 10/xx/2022 |
| DKXAA2VUMMC | xx | xx | xx | Nevada | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide secondary valuation as both CU & LCU scores are missing and as per lender guideline we required secondary valuation; however, it is missing in loan file<br>10/xx/2022: Resolved- UCDP report has been provided. Hence, condition is resolved. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 766 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 10/xx/2022 |
| PEQL0EQAUC4 | xx | xx | xx | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Completed "Subject To" w/o Compltn Cert in File - EV R<br> COMMENT: Property is under construction, please provide 1004D Document.<br>10/xx/2022 - Resolved- Form 1003D has been provided. Hence, condition is resolved. |  |  | PUD | xx | xx | xx | Investor | Purchase | 762 |  | xx | 24.58 | $63369.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 10.732% | No | Alternative | QC Complete | 10/xx/2022 |
| PQ0O4IGDGHA | xx | xx | xx | Colorado | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Provide a copy of tax returns as the borrower is qualified with the self-employment income and tax returns are missing in the package.<br>10/xx/2022- Resolved- Signed tax return available in file. Hence, the exception has been resolved. |  |  | Single Family | xx | xx | xx | Primary | Purchase | 764 |  | xx | 3 | $21821.95 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.635% | No | Full Documentation | QC Complete | 10/xx/2022 |
| XQICPPCYD4F | xx | xx | xx | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Purchase Contract is missing - EV R<br> COMMENT: Purchase contract of subject property ("xx") is missing in the loan file.<br>10/xx/2022- Not Resolved - Provided purchase contract for different property "xx". Provide purchase contract of subject property ("xx")<br>10/xx/2022 - Purchase contract received. Hence, exception is resolved.<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> Higher-Priced Mortgage Loan Test Fail : Charged 8.773% Allowed 6.810% Over by +1.963%<br>\*\*\* (CURED) Title policy missing - EV R<br> COMMENT: Final title policy is missing from the loan file. However, values are updated from commitment located at (xx_xx Pg#615).<br>10/xx/2022- Final title policy received. Hence, exception is resolved. |  |  | PUD | xx | xx | xx | Primary | Purchase | 746 |  | xx | 30 | $26313.18 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.165% | No | Alternative | QC Complete | 11/xx/2022 |
| 3NS2MKO2U4C | xx | xx | xx | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: Missing $56,618.40 in assets needed to close, only $583.33 in verified assets documented in the file. Missing evidence of xx savings account which is stated on the application.<br>10/xx/2022 - Resolved - Additional asset document provided. Hence, Condition has been resolved.<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail: Charged 8.237% Allowed 6.810% Over by +1.427%.<br>\*\*\* (CURED) Mortgage - EV R<br> COMMENT: As per the Short Form Policy located at "xx - Final Title Policy.pdf" shows that the name of insured is "xx" which is different from the original lender of "xx".<br>10/xx/2022- Resolved- Endorsement with correct lender name received. Hence, exception is resolved. |  |  | PUD | xx | xx | xx | Primary | Purchase | 812 |  | xx | 3 | $14541.73 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.986% | Yes | Alternative | QC Complete | 11/xx/2022 |
| IUMGXHM5GWM | xx | xx | xx | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail: Charged: 6.289%Allowed: 5.990% Over by: +0.299% |  |  | PUD | xx | xx | xx | Primary | Refinance | 789 | 3 | xx | 11.08 | $39433.93 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 18.084% |  | Alternative | QC Complete | 11/xx/2022 |
| SK5FJFH4W3W | xx | xx | xx | California | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Final 1003 is showing xx in the amount of $xx for a property located at xx, however the credit report is not reflecting this trade line. Missing credit supplement report that reflects the xx.<br>Resolved: Final 1003 received -10/13 | \*\*\* (WAIVED) Consumer lates exceed guidelines - EV W<br> COMMENT: As per lender guideline, cannot have any 60-day late payments in the past 12 months; this is inclusive of all installments and revolving trade lines. However, on credit report 60 days late payment found on revolving account - xx#xx. 1008 in the file (pg 265-266) shows an exception request for the late payments was approved, however no documentation in the file for the exception approval.<br>Waived: Exception approval received - 10/13 | Low LTV / CLTV : LTV is xx%<br>Reserves - $480K is available for Reserve<br>Year in job : 17 Years at job<br>Address: 7 Years at current address<br>| PUD | xx | xx | xx | Primary | Cash Out | 627 | 7 | xx | 17 | $23774.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 38.783% |  | Alternative | QC Complete | 10/xx/2022 |
| 4XSDQM04XSY | xx | xx | xx | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 776 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| HJGBM3OJEGU | xx | xx | xx | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 776 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| PGX4HAYHDBC | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Both CU Scores are missing. Hence, Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) is required as per the guideline.<br>Resolved: Received BPO - 12/23 |  |  | Single Family | xx | xx | xx | Investor | Refinance | 696 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| OQ5YP4ZBN5Z | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 696 |  |  | 3 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| 5O2BCG3HGKY | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: As per guideline, Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) required.<br>Provide CDA or ARR document.<br>Resolved: Received BPO - 12/23 | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception approval for GLF investor cash flow DSCR guidelines 700+=xx% LTV & 6.50% interest rate | Credit Score - Credit Score <br>Guarantor # 1 FICO Score is 707<br>Guarantor # 2 FICO Score is 759<br>Assets : xx funds in Seasoned funds (Reserve funds) | Single Family | xx | xx | xx | Investor | Refinance | 707 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| SJKQXL1W5AO | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Both CU Scores are missing. Hence, Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) is required as per the guideline.<br>Resolved: BPO received - 12/23<br>\*\*\* (CURED) The property has unrepaired damages - EV R<br> COMMENT: As per appraisal report located at "Appraisal-xx" dated xx the subject property had mold damage. further details are not provided. <br>1-13-2023- Resolved- Appraisal is "as is" with no damage mentioned on it. Hence, the exception has been resolved. |  |  | Single Family | xx | xx | xx | Investor | Refinance | 696 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| GAD2G25UGU2 | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Both CU Scores are missing. Hence, Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) is required as per the guideline.<br>Resolved: Received BPO - 12/23 |  |  | 2 Family | xx | xx | xx | Investor | Refinance | 706 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Mortgage |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| SADWFUQOUGW | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Provide the hazard insurance of the subject property which reflects the policy period.<br>Not resolved 12/xx/2022: Provided hazard insurance not active with closing date, condition remains same<br>01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. |  |  | Single Family | xx | xx | xx | Investor | Refinance | 708 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| FCATIBVH5L5 | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: As per given package hazard insurance effective start date and end date missing.<br>Not resolved 12/xx/2022: Provided hazard insurance not active with closing date, condition remains same<br>01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. |  |  | Single Family | xx | xx | xx | Investor | Refinance | 708 |  | xx | 2 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| U0HHACQW0LT | xx | xx | xx | Tennessee | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 766 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| TIJCMYIXK1Y | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 708 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| JQFIDQWAURH | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: As per loan file hazard insurance is provided, however expiration date is missing.<br>Not resolved 12/xx/2022: Provided hazard insurance not active with closing date, condition remains same<br>01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. |  |  | Single Family | xx | xx | xx | Investor | Refinance | 708 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| S1PC5VFBULO | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Title policy missing - EV R<br> COMMENT: The final title policy is missing from the loan file. However, the title commitment is found at " xx-Title Commitment.pdf"<br>12-19-2022: Resolved- Final title policy is received. Hence, exception has been resolved. |  |  | Single Family | xx | xx | xx | Investor | Refinance | 708 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| 42ATFL0XSVH | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: As per given package hazard insurance effective start date and end date missing.<br>Not resolved 12/xx/2022: Provided hazard insurance not active with closing date, condition remains same<br>01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. |  |  | Single Family | xx | xx | xx | Investor | Refinance | 708 |  |  | 2 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| I0YY53E5HML | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: As per given package hazard insurance effective start date and end date missing.<br>Not resolved 12/xx/2022: Provided hazard insurance not active with closing date, condition remains same<br>01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved.<br>\*\*\* (CURED) The property has unrepaired damages - EV R<br> COMMENT: The demolition status section of the UT dated 11/xx/2022, shows that there was a demolition on permit issued on 7/xx/2019 for the demolition of the garage. The permit was closed. Further details not provided.<br>1-13-2023- Resolved- As per tax note the permit is closed. Hence, the exception has been resolved. |  |  | Single Family | xx | xx | xx | Investor | Refinance | 708 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| LSX5KXCCN5C | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Provide the hazard insurance of the subject property which reflects the policy period.<br>Not resolved 12/xx/2022: Provided hazard insurance not active with closing date, condition remains same<br>01/xx/2023 - The settlement statement shows insurance in place at the time of closing and a current policy was provided. Hence, exception is resolved. |  |  | Single Family | xx | xx | xx | Investor | Refinance | 708 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| 3JTJJHIGAHA | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 708 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Mortgage |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| BHLV0NRELBV | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide secondary valuation are CDA as per lender guideline we required secondary valuation are CDA is missing in the package. Available desk review document do not have specific value on it to determine the variance<br>Resolved: Received BPO - 12/23 | \*\*\* (WAIVED) Credit history does not meet guidelines - EV W<br> COMMENT: GLF Investor Cash Flow DSCR Guidelines 740+ = xx% & 6.875% | DSCR Ratio - DSCR Ratio - 1.353% (0.103% Over GLF DSCR Min of 1.25%)<br> Low LTV / CLTV - (Lower LTV of xx% (xx% CLTV)<br> The Personal Guarantor Median FICO score is 793<br> xx Statement Average Balance $40,000.00 | Single Family | xx | xx | xx | Investor | Refinance | 793 |  |  |  |  | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| MYTEB13DLH5 | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide Secondary valuation are CDA as per lender guideline we required Secondary Valuation are CDA is missing in the package. Available Desk review document do not have specific value on it to determine the variance<br>12/xx/2022 - Not Resolved - We have received Drive-By BPO and it has a variance of 10.256% on negative side. Provide ARR/CDA report.<br>01/xx/2023 - BPO received. Hence, exception is resolved.<br>\*\*\* (CURED) The property has unrepaired damages - EV R<br> COMMENT: As per appraisal report dated xx located at "Appraisal-xx", There is an water leakage in wall ceiling for which evidence of leakage needs to have repairs completed. However, completion report has not been found in the loan file.<br>1-20-2023- Resolved- Received repaired letter for water leakage damage. Hence, exception has been removed. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: GLF Investor cash flow DSCR guidelines 740+ = xx% LTV & 6.875% rate | The Personal guarantor median FICO score is 793<br> DSCR = 1.724% (0.474% over GLF DSCR minimum of 1.25%)<br> Lower LTV of 75% (75% CLTV) | Single Family | xx | xx | xx | Investor | Refinance | 793 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| 1OA3UWL2ZXE | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide Secondary valuation are CDA as per lender guideline we required Secondary Valuation are CDA is missing in the package. Available Desk review document do not have specific appraised value on it to determine the variance<br>12/xx/2022 - Not Resolved - We have received Drive-By BPO and it has a variance of 16.000% on negative side. Provide ARR/CDA report.<br>01/xx/2023 - BPO received. Hence, exception is resolved. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 693 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| IKRJYBPFRE2 | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 709 |  | xx | 2 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| JJMOXMBDUV5 | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Both CU scores are missing and CDA provided with variance of -13.889% ($20000). Hence, we will require AVM.<br>12/xx/2022 - Resolved - BPO provided. Hence, Condition has been resolved. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 709 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| MIGPTHBU01G | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Provide updated lease agreement as lease agreement is already expired for xx<br>resolved :as per lease agreement start date 09-xx-2021 and 08-xx-2022 . However note date is xx . So, lease not expired. 12/27 |  |  | 2 Family | xx | xx | xx | Investor | Refinance | 760 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| BV0DRV4JL2O | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 758 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| UMDSJ3GT0NO | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 692 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Mortgage | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| OM4DIVW50F5 | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 741 |  |  |  |  | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| CBGH21MGCFD | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 719 |  |  | 2 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| Z5J0FGYUBQS | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Both CU Score are missing Hence, Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) is required as per the guideline.<br>12/xx/2022 - Resolved - Drive-By BPO report provided. Hence, the exception has been resolved. |  |  | Single Family | xx | xx | xx | Investor | Refinance | 690 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| EBXABN5SA2V | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception approval for Guarantor having three current trade lines, two within the past 24 months and one trade line within 42 months of installment debt | DSCR Ratio - DSCR Ratio DSCR 1.694% <br>Low LTV / CLTV Lower LTV of 70%<br>Credit Score - Credit Score 702 Mid - FICO Score | Single Family | xx | xx | xx | Investor | Refinance | 702 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| K31RCH0KWBY | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 764 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| OL1SLBY0MLO | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | xx | xx | Investor | Refinance | 764 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| EOSWOXUZNTT | xx | xx | xx | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties as required by the guidelines.<br>xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>Resolved: Received BPO - 12/23<br>\*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: As per loan file assets are not sufficient to cover the liquid/cash reserves. Hence required more assets to close the liquid/cash reserves.<br>Assets amount Verified:$82,176.95<br> Cash to borrower :xx & Liquid/cash reserves :$20,210.59<br>Resolved: Another bank statement provided (xx) 12/27<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Provide a copy of hazard insurance properties - " xx ".<br>Resolved 12/xx/2022: Received hazard insurance policy and updated, hence condition cleared.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: A per loan file Flood insurance Certificate provided, however Flood Certificate is missing.<br>Resolved 12/xx/2022: Received Flood certificate and updated, hence condition cleared. |  |  | Single Family | xx | xx | xx | Investor | Purchase | 774 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| 1PQDLGGVFLT | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 731 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| PZUJDZWRPIK | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 731 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| VF3NHFXQYPJ | xx | xx | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Collateral Desktop analysis is missing from the loan file.<br>01/xx/2023 - BPO Received. Hence, exception is resolved.<br>\*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Lease are expired from these property :-<br>xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>01/xx/2023 - The leases are month on month basis as of 07/xx/2021. Rent increases as of 10/xx/2021 (lease remained month to month). Hence, exception is resolved.<br>\*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: Flood certificate missing from the loan file.<br>Resolved 12/xx/2022: Received Flood certificate and updated, hence condition cleared. |  |  | 5 + Family | xx | xx | xx | Investor | Purchase | 800 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| LFJHJNRW2DV | xx | xx | xx | New Jersey | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br>xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27<br>\*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Provide Hazard Insurance policy with sufficient coverage to cover minimum of the loan amount or a replacement cost estimator to verify if the dwelling coverage is sufficient.<br>Resolved: Received HOI policy for all property - 12/23<br>\*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: Provide a copy of flood cert as it is missing in the file.<br>Resolved: Flood certificate received - 12/23<br>\*\*\* (CURED) Missing Title evidence - EV R<br> COMMENT: Final title policy along with preliminary policy or commitment is missing from the loan file. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 730 |  |  |  |  | Mos Reviewed:105<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| CXJN0STTAKU | xx | xx | xx | Tennessee | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br>xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27<br>\*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: Provide a copy of flood certificate is missing in the loan file.<br>Resolved: Received Flood certificate - 12/23<br>\*\*\* (CURED) Title policy missing - EV R<br> COMMENT: Final title policy is missing from the loan file. However, title commitment is available.<br>12-19-2022: Not resolved- Need final title policy to resolve this exception. Hence, exception is not resolved. |  |  | Single Family | xx | xx | xx | Investor | Refinance | 684 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| OHMTUX1IMLZ | xx | xx | xx | New York | Not Covered/Exempt | 3 | 3 | 1 | 3 | 1 | No | No | Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties: xx Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27 |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br>xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitizations - 12/27<br>\*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Provide a copy of hazard insurance policy with sufficient coverage as the document provided in the file reflects insufficient coverage.<br>Resolved 12/xx/2022: Received hazard insurance.<br>\*\*\* (CURED) Missing credit report - EV R<br> COMMENT: Provide a copy of credit report as it is missing in the loan file.<br>Resolved: The borrower is a foreign national, xx provided 12/27<br>\*\*\* (CURED) Title policy missing - EV R<br> COMMENT: Final Title policy is missing from the loan file. However, preliminary policy is available in the loan file and all the data are captured from it. |  |  | 2 Family | xx | xx | xx | Investor | Refinance |  |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| YE0JZHMB4HV | xx | xx | xx | New Jersey | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties as required by the guidelines.<br>Property List :-<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27<br>\*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: Flood certificate is missing in the loan file.<br>Resolved 12/xx/2022 : Received Flood Certificate and updated, hence condition cleared.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: As per package lease Document is Expire for xx Lease Expire Date 08/xx/2022 and xx Lease Expire Date 03/xx/2022.<br>Resolved: Lease agreement provide in file reflects a month to month auto renewal after the end of current lease period 12/27. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 747 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| 1VHULPT2LDL | xx | xx | xx | Connecticut | Not Covered/Exempt | 3 | 3 | 1 | 3 | 1 | No | No | Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties: xx Resolved: Per lender core vest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the ad |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27<br>\*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Provide lease agreement for the property xx as it is missing in the loan file.<br>Resolved: Lease Agreement received on 12/23.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Provide a copy of hazard insurance of the subject property which reflects the premium amount.<br>Not resolved - 12/xx/2022 - Provided insurance does not reflect the premium amount.<br>Resolved: Received insurance premium for all properties - 1/12<br>\*\*\* (CURED) Title policy missing - EV R<br> COMMENT: Final Title Policy is missing from the loan file. The commitment is available in the loan file. However, final title policy received dated 12/xx/2022 which is located at "xx - Final Title Policy" required changes are done. Hence resolve the issue<br>12-23-2022: Resolved- Final title policy received. Hence, exception has been resolved. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 669 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| HBL4SUCJHGS | xx | xx | xx | Connecticut | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br>xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27<br>\*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Provide a copy of hazard insurance policy with sufficient coverage as the document provided in the file reflects insufficient coverage.<br>Resolved - 12/xx/2022 - Received hazard insurance.<br>\*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: Provide a copy of flood certificate as it is missing in the loan file.<br>Resolved - 12/xx/2022 - Received flood certificate. |  |  | 3 Family | xx | xx | xx | Investor | Refinance | 689 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| 3PMJKC2XCGI | xx | xx | xx | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br>xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br> xx<br>Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27<br>\*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: Flood certificate is missing in the loan file.<br>Resolved: Flood cert received on 12/23.<br>\*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: Provide a copy of hazard insurance policy as it is missing in the loan file.<br>Resolved - 12/xx/2022 - Received hazard insurance. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 729 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| NLR2I02QBP5 | xx | xx | xx | Connecticut | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br>a) xx<br> b) xx<br>Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27<br>\*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: Verified assets: $410,380.04, Cash from borrower: $4xx. However shortfall of asset: $xx. Provide recent bank statements to recover the shortfall of asset.<br>Resolved : Received bank statement #xx with balance $304000 . 12/23.<br>\*\*\* (CURED) Credit report >90 days old at closing - EV R<br> COMMENT: Provide updated credit report as credit report date is 11/xx/2021 and consummation date is 3/xx/2022 which is more than 120 days and per lender guideline credit report accepted under 120 days.<br>Resolved: Per lender guideline credit report is good for 6 months - 12/27<br>\*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling coverage ($618,000.00) reflected on the hazard insurance policy of the subject is not sufficient to cover the loan amount xx, and the annual premium amount is not reflected on the hazard document. Additionally, provide a hazard insurance policy for the property "xx".<br>Resolved: Hazard insurance document received on 12/23.<br>\*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: Appraisal report for the subject property located at "xx" is missing in the loan file.<br>Resolved: Appraisal report received - 12/19<br>\*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: Provide a copy of flood certificate as it is missing in the loan file.<br>Resolved: Flood cert received on 12/23. |  |  | 5 + Family | xx | xx | xx | Investor | Purchase | 786 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| 4XWIFIE4FTV | xx | xx | xx | Connecticut | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide ARR (Appraisal Risk Review) or CDA (Collateral Desktop Analysis) for below mentioned properties:<br>a) xx<br> b) xx<br> c) xx<br> d) xx<br> e) xx<br>Resolved: Per lender corevest originated guidelines, secondary valuations are not required as appraisal is ordered through an AMC. However, the additional valuation will be required at the time of securitization - 12/27<br>\*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Provide a copy of hazard insurance policy with sufficient coverage as the document provided in the file reflects insufficient coverage.<br>Resolved: Hazard insurance document received on 12/23. |  |  | 3 Family | xx | xx | xx | Investor | Refinance | 689 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| VRV0ZD4TIE5 | xx | xx | xx | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Secondary valuation missing in the loan file.<br>01/xx/2023 - BPO received. Hence, exception is resolved. |  |  | 5 + Family | xx | xx | xx | Investor | Purchase | 756 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Mortgage |  |  | No | Alternative | QC Complete | 12/xx/2022 |
| 1SSBQWD2WX3 | xx | xx | xx | Massachusetts | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide Secondary valuation are CDA as per lender guideline we required Secondary Valuation are CDA is missing in the package.<br>12/xx/2022 - Resolved - Drive-By BPO report provided. Hence, the exception has been resolved. | \*\*\* (WAIVED) DSCR is less than 1.00 - EV W<br> COMMENT: As per lender guideline, the minimum DSCR requirement for FICO less than 720 is 1.10; however, DSCR in this transaction is 0.91.<br>12/xx/2022 - We have received management approval on email to waive this exception with given factors. Hence, exception is waived.<br>\*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: As per loan file appraisal date is xx and note date is xx (129 Days) which is more than 120 days of note date, Hence, we will require appraisal document in which appraisal date should come under 120 day of note date.<br>01/xx/2023 - We have received management approval on email to waive this exception with given factors. Hence, exception is waived. | Fico minimum at 620 for this trade - Fico in loan is 673.<br> LTV: xx%.<br> Liquidity is $33K.<br> Lease is above market rent<br>Fico minimum at 620 for this trade - Fico in loan is 673.<br> LTV: xx%.<br> Liquidity is $33K.<br> Lease is above market rent | Single Family | xx | xx | xx | Investor | Cash Out | 673 |  |  |  |  | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| WDJMFTVBACM | xx | xx | xx | New York | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) required as per the guideline, missing in the loan document. <br>Provide updated document<br>01/xx/2023 - BPO received. Hence, exception is resolved. | \*\*\* (WAIVED) DSCR is less than 1.00 - EV W<br> COMMENT: As per Lender guideline (CoreVest DSCR Guidelines Feb 2022 Final.pdf) Minimum DSCR ratio 1.00; FICO Score 680-699 and LTV is 70% For this loan DSCR is 0.83 and LTV more than 70% does not meet the guidelines.<br>01/xx/2023 - We have received management approval on email to waive this exception with given factors. Hence, exception is waived. | $3500 lease exceeds $3000 market rent from the 1007 which was used in the DSCR calculation.<br> Reserves of $84k | Single Family | xx | xx | xx | Investor | Cash Out | 682 |  |  |  |  | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| UBVJ1VYRC4J | xx | xx | xx | North Carolina | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 746 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| VZGUZZMFDPR | xx | xx | xx | West Virginia | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide Lease agreement for this property"xx" which is expired on 10/xx/2021.<br>Resolved :as per the lease agreement present in loan file , the lease period is November 1st 2020 to October 31st 2021 after that the lease continues to month to month lease. 12/27<br>\*\*\* (CURED) The property has unrepaired damages - EV R<br> COMMENT: "xx".<br> As per appraisal report dated 9/xx/2021 located at "xx", the subject property is in fair condition. The detached garage has some rear areas of rotten siding and a rear broken window. However, the completion report is not found in loan file.<br>1-24-2023- Resolved- Repaired photos are provided. Hence, exception has been resolved. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 733 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| 0FLP4FZAUVQ | xx | xx | xx | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Provide the lease agreements of the Subject property : "xx "- unit 3,And unit 2,3 of property :xx .<br>Resolved: Received Lease agreement - 1/12<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide the tax documents of the properties - xx.<br>Resolved: Received Tax sheet - 1/12 |  |  | 3 Family | xx | xx | xx | Investor | Refinance | 733 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| MVRG0PVZUDB | xx | xx | xx | Ohio | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: " All 8 Properties appraisal date is xx and closing date is xx". which is more than 120 days. Provide the updated Appraisal's with in 90 days for all Properties.<br>Properties address are:: <br>"xx xx xx xx xx xx xx xx"<br>Not resolved : Appraisal documents missing in the loan file with in 120 days 12/27.<br>12/xx/2022 - We have received exception approval for above exception on email and as per we are waiving this exception. | Below are the compensating factors:<br> 1. FICO: 790<br> 2. LTV: xx%<br> 3. DSCR: 1.74x<br> 4. Liquidity: $200,000+<br> 5. Borrower is experienced<br> 6. All properties are leased - no vacant properties. | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Cash Out | 790 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 01/xx/2023 |
| FCYKMP1WLOR | xx | xx | xx | Virginia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 735 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| VKX3LCMJR21 | xx | xx | xx | New Jersey | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Both CU scores are missing. Hence, as per the guideline, an appraisal risk review (ARR) or collateral desktop analysis (CDA) is required.<br>01/xx/2023 - BPO received. Hence, exception is resolved.<br>\*\*\* (CURED) Property is Commercial Prop - EV R<br> COMMENT: As per tax report located at "Ln#xx.PG#42", the subject property type is commercial. As per appraisal report the subject is a 6 unit apartment building.<br>1-13-2023- Exception is informational.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Received single page Guaranty Agreement which is incomplete. Please provide all the pages of agreement.<br>Resolved - 12/xx/2022 - Received Guaranty agreement. |  |  | 5 + Family | xx | xx | xx | Investor | Purchase | 762 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| VITWRCRG0ON | xx | xx | xx | Maryland | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 808 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/xx/2022 |
| Y1CTKX23RZQ | xx | xx | xx | Wisconsin | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Appraisal Risk review date xx is after closing date xx.<br>Resolved: Received BPO - 12/23 |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 757 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| AOI1QQNNJF5 | xx | xx | xx | Missouri | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase |  |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  |  | No | Alternative | QC Complete | 12/xx/2022 |
| BRY4MII4IKB | xx | xx | xx | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 719 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| ODK0XYSVHDU | xx | xx | xx | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: As per the lenders guidelines CDA is required for this loan, however the CDA is missing in this package.<br>Resolved - 12/xx/2022: Received BPO for the property and resolved condition. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 750 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| LJ3DJOJMG35 | xx | xx | xx | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 796 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| EIJTWOBUFGV | xx | xx | xx | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 796 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| 44T30SUXMU4 | xx | xx | xx | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 750 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:24<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| IROZOEC2BEG | xx | xx | xx | Delaware | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Additional valuation present in package is dated xx which is after closing date xx. <br>Resolved : Condition not required. <br> Additional valuation present in package is Effective date is xx and closing date xx. 12/27 |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 797 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| FC4WXWF2INI | xx | xx | xx | Tennessee | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling coverage ($235640) reflecting on the hazard insurance policy is not sufficient to cover the loan amount xx. Hence, replacement cost is required<br>Resolved 12/xx/2022: Received hazard insurance policy with dwelling coverage ($664807) and updated, hence condition cleared. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 794 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| HPW5MS1K1BB | xx | xx | xx | Tennessee | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 689 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| KTRIQIC3L5L | xx | xx | xx | Pennsylvania | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Cash Out | 787 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| VWSTWJ4GNM1 | xx | xx | xx | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 741 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/xx/2022 |
| RRAOXVGWIPW | xx | xx | xx | Florida | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: Initial and final 1003 application are missing from the package.<br>08/xx/2022 - Initial 1003 received. Final 1003 is not required on the business purpose loans. Hence, exception is resolved.<br>\*\*\* (CURED) Condo / PUD rider Missing - EV R<br> COMMENT: PUD rider missing in the package.<br>08/xx/2022 - Deed/Mortgages do not populate riders to the deed for PUD and Condo as there is specific language in the deeds that support this. Hence, exception is resolved.<br>\*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: This is DSCR loan, however lease agreement or 1007 is missing in file. Unable to calculate DSCR.<br>08/xx/2022 - We have received the client confirmation with screen shot as this loan is no ratio loan. Hence, no action is needed and condition is resolved.<br>\*\*\* (CURED) Prepayment Rider Missing - EV R<br> COMMENT: Prepayment rider is missing from the loan file.<br>08/xx/2022 - Client do not issue prepay riders to the deed. All prepay verbiage in embedded in the notes. Hence, exception is resolved. |  |  | PUD | xx | xx | xx | Investor | Purchase | 751 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/xx/2022 |
| 5XUXTBXJGH2 | xx | xx | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Borrower's government photo ID is missing in the file.<br>Resolved: Received Identity Affidavit with notarization from the closing agent.-10/7<br>\*\*\* (CURED) Application Missing - EV R<br> COMMENT: Final 1003 is missing in file.<br>08/xx/2022 - Initial 1003 was available in loan file. Final 1003 is not required on the business purpose loans. Hence, exception is resolved. |  |  | Single Family | xx | xx | xx | Investor | Purchase | 724 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/xx/2022 |
| H0YRL1OUV4I | xx | xx | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final 1003 does not has LO sign - EV R<br> COMMENT: Final 1003 is missing the loan file.<br>08/xx/2022 - Initial 1003 was available in loan file. Final 1003 is not required on the business purpose loans. Hence, exception is resolved.<br>\*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Borrower's government photo ID is missing in the file.<br>Resolved: Driver's License received -10/7<br>\*\*\* (CURED) Prepayment Rider Missing - EV R<br> COMMENT: Prepayment rider is missing in the file.<br>08/xx/2022 - Client do not issue prepay riders to the deed. All prepay verbiage in embedded in the notes. Hence, exception is resolved. |  |  | 4 Family | xx | xx | xx | Investor | Cash Out | 707 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 11/xx/2022 |
| ZB15EQCJSUD | xx | xx | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 713 | 7.92 | xx | 22 | $39300.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 38.420% |  | Full Documentation | QC Complete | 05/xx/2022 |
| PIQK3PFVFDT | xx | xx | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL : Charged 5.408% Allowed 5.120% Over by+0.288%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL : Charged 5.408% Allowed 5.120% Over by +0.288%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (CA AB 260, California Financial Code Division 1.9 4995(a)).<br>\*\*\* (CURED) Reverification within 10 days is missing - EV R<br> COMMENT: Verbal verification within 10 days of closing is missing in file.<br>5/xx/2022 - Received VVOE dated 2/2/2022 which is prior to PCCD in the file in which disbursement date is 2/3/2022 and issued date is 2/xx/2022. |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Purchase | 799 |  | xx | 14 | $27750.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.638% | No | Full Documentation | QC Complete | 11/xx/2022 |
| 20BMGZ5M5N3 | xx | xx | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Secondary | Purchase | 771 |  | xx | 3.25 | $37650.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.770% | No | Full Documentation | QC Complete | 05/xx/2022 |
| EU11LR3IYXL | xx | xx | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Cash Out | 748 | 5.91 | xx | 10 | $9000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 34.881% |  | Full Documentation | QC Complete | 05/xx/2022 |
| QKBMYBZMF4A | xx | xx | xx | California | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 803 |  | xx | 10 | $36498.38 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  | 16.275% | No | Full Documentation | QC Complete | 05/xx/2022 |
| YDUSWD1OS55 | xx | xx | xx | California | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 803 |  | xx | 10 | $36943.57 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.996% | No | Full Documentation | QC Complete | 05/xx/2022 |
| KVXDZ0HMEBQ | xx | xx | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) DTI > 50% - EV R<br> COMMENT: Profit and Loss (P&L) statement for 2021 available in file & income calculated as $8,346.25. DTI is 89.93% which exceeds the guidelines limit<br>6/2/2022 - Not Resolved - Income calculated as $100,155 / 12 months = $8,346.25. (Officer Salary is considered in the calculation)<br>6/3/2022 - Resolved - Income calculated officer salary $84,000/12 = $7,000 and $100,155/12 = $8346.25 from the Net Income for the company. Total income $15,346.25. Hence DTI (48.91%) is within the threshold limit and condition is resolved. |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 754 | 2 | xx | 9 | $15346.25 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 48.910% |  | Full Documentation | QC Complete | 05/xx/2022 |
| 4N2TTLKTGO0 | xx | xx | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets do not meet guidelines - EV R<br> COMMENT: Gift latter available in loan file from father-in-law and husband which amount of $19,279.26 and $167,782 respectively. However bank statement missing in file to reflect gift amount credited. 5/xx/2022 - Received Gift letter , proof of deposit in bank and incoming wire document for the gifts. Hence condition is resolved. |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Purchase | 797 |  | xx | 3 | $10375.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.172% | Yes | Full Documentation | QC Complete | 05/xx/2022 |
| 135EDQBXL1S | xx | xx | xx | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Assets do not meet guidelines - EV W<br> COMMENT: Asset is not sufficient for Reserve. Verified Asset is $16,667.38 and Cash from Borrower is $11,362.00 and as per lender guideline we required reserve for 4 month if LTV is more than 75%. In this loan LTV is xx% so Reserve amount = 4 months X $2,944.50 = $11,778.00. However after closing Borrower have $5,305.38 asset is remaining. Asset Shortage $11,362.00-$5,305.38 = $6,056.62.<br>5/xx/2022 - Not Resolved - Received PCCD from client with cash to close $12,932.73 (cash from borrower). Verified assets $3,608.66 and Gift funds $13,058.52 ($1,846.52+$11,212) in the file $16,667.18 and reserve requirement $11,778. Short of assets $8,043.55<br>6/8/2022 - Received LOE with compensating factor to offset short reserves in the loan citing this as an warning and waived off the exception. | 1. The subject property is primary residence and the only property borrower owns. <br> 2. Housing ratio (front-end) is only 28.04%, even the back-end is 32.04% as borrower does have little obligations on debts.<br> 3. Borrower has a good credit score, 779with established history nearly12 years. She has never been late on any of accounts, very responsible borrower with stable and reliable payment behavior. | Single Family | xx | xx | xx | Primary | Refinance | 779 | 0.67 | xx | 2.91 | $10500.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.043% |  | Full Documentation | QC Complete | 05/xx/2022 |
| KYPFTYPQCGY | xx | xx | xx | California | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Cash reserves less than required by guidelines - EV R<br> COMMENT: Assets are short in the amount of $260.53. Funds required at closing per the Final CD $260.53, however asset documents are missing.<br>5/xx/2022 - In the file we have PCCD dated 02/xx/2022 and Cash to close is $2,000 (Cash to borrower). Hence asset are not required. Condition is resolved. |  |  | PUD | xx | xx | xx | Primary | Refinance | 725 | 2.53 | xx | 4.75 | $14091.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.327% |  | Full Documentation | QC Complete | 08/xx/2022 |
| 47245381 | xx | xx | xx | California | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL : Charged 4.606% Allowed 4.220% Over by +0.386%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL : Charged 4.606% Allowed 4.220% Over by +0.386%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (CA AB 260, California Financial Code Division 1.9 4995(a)). |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Refinance | 721 | 2 | xx | 4 | $7107.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.996% |  | Full Documentation | QC Complete | 11/xx/2022 |
| 66500637 | xx | xx | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 787 | 0.42 | xx | 4.5 | $12500.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 49.990% |  | Full Documentation | QC Complete | 05/xx/2022 |
| 17558149 | xx | xx | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Purchase | 720 |  | xx | 3.33 | $16280.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.845% | No | Full Documentation | QC Complete | 05/xx/2022 |
| 10080784 | xx | xx | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Primary | Refinance | 765 | 2 | xx | 5 | $8281.86 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.770% |  | Alternative | QC Complete | 05/xx/2022 |
| 4STNHPSUFVS | xx | xx | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 787 | 9 | xx | 6 | $20711.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 49.570% |  | Full Documentation | QC Complete | 05/xx/2022 |
| 0XZ4SQAJQ5R | xx | xx | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 702 | 4.16 | xx | 10 | $5327.09 | Mos Reviewed:24<br> Times 1X30:2<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:30<br> Max Days Dlq Last 12 Mos:30<br> Verification Type:Credit Report | xx | 40.424% |  | Full Documentation | QC Complete | 05/xx/2022 |
| JJ5SJZGL35P | xx | xx | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 813 | 3 | xx | 2.83 | $8644.21 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 39.277% |  | Full Documentation | QC Complete | 05/xx/2022 |
| M0EJFDWWJST | xx | xx | xx | California | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 723 |  | xx | 3.53 | $8713.03 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.941% |  | Full Documentation | QC Complete | 05/xx/2022 |
| PZUW1CV5JDX | xx | xx | xx | California | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail 4.395% 4.340% +0.055%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail Charged: 4.395% Allowed: 4.340% Over by:+0.055%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (CA AB 260, California Financial Code Division 1.9 4995(a)). |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Cash Out | 722 | 1.42 | xx | 25 | $11254.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 49.981% |  | Alternative | QC Complete | 11/xx/2022 |
| 94140453 | xx | xx | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 771 | 4 | xx | 20 | $37263.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 35.653% |  | Full Documentation | QC Complete | 05/xx/2022 |
| WLNNZGV51VM | xx | xx | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Refinance | 745 | 2.17 | xx | 12 | $8995.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.616% |  | Full Documentation | QC Complete | 05/xx/2022 |
| W5Y1MD45CMR | xx | xx | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 751 | 7 | xx | 4 | $13551.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 31.808% |  | Full Documentation | QC Complete | 05/xx/2022 |
| TM5CL41OC0V | xx | xx | xx | Texas | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Cash reserves less than required by guidelines - EV R<br> COMMENT: As per given package verified asset amount $108848.58 and cash to close $xx, required reserves $10,243.72. Liquid cash reserves $8,499.19. Shortage reserves $1744.53, assets are not sufficient to close need additional assets. 5/xx/2022 - Received Post close bank statement with evidence of Closing cost been paid by borrower from the Bank xx a/c #xx and xx a/c #xx and have sufficient balance to cover the reserve requirement. Hence condition is resolved |  |  | PUD | xx | xx | xx | Primary | Purchase | 751 |  | xx | 5.92 | $17271.24 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.406% | No | Alternative | QC Complete | 08/xx/2022 |
| 41198166 | xx | xx | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Purchase | 750 |  | xx | 3 | $13000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.124% | Yes | Full Documentation | QC Complete | 05/xx/2022 |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Property Details** | **Property Details** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **AVM REVIEW DATA** | **AVM REVIEW DATA** | **AVM REVIEW DATA** | **AVM REVIEW DATA** | **AVM REVIEW DATA** | **AVM REVIEW DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **List of properties** | **Addresses** | **Dummy ID** | **PRP ID** | **Customer Loan #** | **Note Date** | **Original Loan Amount** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **AVM As-Is Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM Inspection Date** | **Confidence/FSD Score** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| 1 | xx | RRAOXVGWIPW | xx | xx | xx | xx | XX | XX | 02/08/2022 | 1004 Residential Appraisal | xx | xx | 4.22% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | 5XUXTBXJGH2 | xx | xx | xx | xx | XX | XX | 02/24/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | H0YRL1OUV4I | xx | xx | xx | xx | XX | XX | 03/02/2022 | 1025 2-4 Family Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | ZB15EQCJSUD | xx | xx | xx | xx | XX | XX | 01/17/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4 | 1.7 |
| 1 | xx | PIQK3PFVFDT | xx | xx | xx | xx | XX | XX | 01/21/2022 | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.5 | 2.1 |
| 1 | xx | 20BMGZ5M5N3 | xx | xx | xx | xx | XX | XX | 12/19/2021 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Unavailable | 1 |
| 1 | xx | EU11LR3IYXL | xx | xx | xx | xx | XX | XX | 01/07/2022 | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 1 | xx | QKBMYBZMF4A | xx | xx | xx | xx | XX | XX | 01/06/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.2 |
| 1 | xx | YDUSWD1OS55 | xx | xx | xx | xx | XX | XX | 01/06/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 1 | xx | KVXDZ0HMEBQ | xx | xx | xx | xx | XX | XX | 01/17/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 1 | xx | 4N2TTLKTGO0 | xx | xx | xx | xx | XX | XX | 01/19/2022 | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 1 |
| 1 | xx | 135EDQBXL1S | xx | xx | xx | xx | XX | XX | 01/07/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 1 | xx | KYPFTYPQCGY | xx | xx | xx | xx | XX | XX | 12/09/2021 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 1 | xx | 47245381 | xx | xx | xx | xx | XX | XX | 02/07/2022 | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 1 | xx | 66500637 | xx | xx | xx | xx | XX | XX | 03/03/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -38.40% | Direct Appraisal Network | xx |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 1 | xx | 17558149 | xx | xx | xx | xx | XX | XX | 02/15/2022 | 1004 Residential Appraisal | xx | xx | 1.32% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Unavailable | 1 |
| 1 | xx | 10080784 | xx | xx | xx | xx | XX | XX | 03/01/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 1 | xx | 4STNHPSUFVS | xx | xx | xx | xx | XX | XX | 01/13/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 1.4 |
| 1 | xx | 0XZ4SQAJQ5R | xx | xx | xx | xx | XX | XX | 01/07/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.4 |
| 1 | xx | JJ5SJZGL35P | xx | xx | xx | xx | XX | XX | 01/17/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 1.2 |
| 1 | xx | M0EJFDWWJST | xx | xx | xx | xx | XX | XX | 12/23/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.5 |
| 1 | xx | PZUW1CV5JDX | xx | xx | xx | xx | XX | XX | 01/13/2022 | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 1 | xx | 94140453 | xx | xx | xx | xx | XX | XX | 02/17/2022 | 1004 Residential Appraisal | xx | xx | -6.22% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.6 |
| 1 | xx | WLNNZGV51VM | xx | xx | xx | xx | XX | XX | 01/12/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 2.3 |
| 1 | xx | W5Y1MD45CMR | xx | xx | xx | xx | XX | XX | 01/17/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1.5 |
| 1 | xx | TM5CL41OC0V | xx | xx | xx | xx | XX | XX | 01/17/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 1 |
| 1 | xx | 41198166 | xx | xx | xx | xx | XX | XX | 02/17/2022 | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |
| 1 | xx | 4HNAEWK1UBR | xx | xx | xx | xx | XX | XX | 12/7/2021 | 1025 2-4 Family Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 2 | xx | 4HNAEWK1UBR | xx | xx | xx | xx | XX | XX | 12/7/2021 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 22.09% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 3 | xx | 4HNAEWK1UBR | xx | xx | xx | xx | XX | XX | 12/7/2021 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 101.61% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 4 | xx | 4HNAEWK1UBR | xx | xx | xx | xx | XX | XX | 12/7/2021 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 35.87% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | RFCEADP2B1Y | xx | xx | xx | xx | XX | XX | 1/6/2022 | 1025 2-4 Family Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 2 | xx | RFCEADP2B1Y | xx | xx | xx | xx | XX | XX | 1/6/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | -0.53% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | 4LYDITAAEL0 | xx | xx | xx | xx | XX | XX | 1/6/2022 | 1004 Residential Appraisal | xx | xx | -8.70% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | 4LYDITAAEL0 | xx | xx | xx | xx | XX | XX | 12/21/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 38.67% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | 4LYDITAAEL0 | xx | xx | xx | xx | XX | XX | 12/21/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 18.89% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | 4LYDITAAEL0 | xx | xx | xx | xx | XX | XX | 12/21/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 3.26% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | 4LYDITAAEL0 | xx | xx | xx | xx | XX | XX | 12/21/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 25.00% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | 4LYDITAAEL0 | xx | xx | xx | xx | XX | XX | 12/21/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 24.51% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 7 | xx | 4LYDITAAEL0 | xx | xx | xx | xx | XX | XX | 12/21/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 17.07% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 8 | xx | 4LYDITAAEL0 | xx | xx | xx | xx | XX | XX | 12/21/2021 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | -6.67% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | 1HVZB5GE44B | xx | xx | xx | xx | XX | XX | 1/23/2022 | 1025 2-4 Family Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| 2 | xx | 1HVZB5GE44B | xx | xx | xx | xx | XX | XX | 1/23/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 10.20% | Clear Capital | xx |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| 1 | xx | PX3SPWJ0OA0 | xx | xx | xx | xx | XX | XX | 12/21/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | LYZMSDJNS2R | xx | xx | xx | xx | XX | XX | 03/10/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx | xx | xx | -1.11% | A. Bryant Appraisals Inc | xx |  |  |  |  |  |  | Yes | 3 | 1.6 |
| 1 | xx | 2WU0KPFK0P2 | xx | xx | xx | xx | XX | XX | 03/04/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |
| 1 | xx | ZG0ADMLREDR | xx | xx | xx | xx | XX | XX | 04/23/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |
| 1 | xx | JJEAR2XCIKK | xx | xx | xx | xx | XX | XX | 06/20/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 2.1 |
| 1 | xx | ZPKWJ1SSPD0 | xx | xx | xx | xx | XX | XX | 06/08/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 1 | xx | JXQIXKTOXPU | xx | xx | xx | xx | XX | XX | 05/18/2022 | 1025 2-4 Family Appraisal | xx | $0.00 | 0.00% | Red Bell Real Estate, LLC | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | FWAPTQ5NF3W | xx | xx | xx | xx | XX | XX | 06/24/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 1 | xx | C0SSINGA0EW | xx | xx | xx | xx | XX | XX | 06/11/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2 |
| 1 | xx | SVLVLMGBWGI | xx | xx | xx | xx | XX | XX | 06/10/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.8 |
| 1 | xx | FGULBW4IDKM | xx | xx | xx | xx | XX | XX | 07/04/2022 | 1004 Residential Appraisal | xx | xx | -7.04% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3 |
| 1 | xx | QEOKRISUCPT | xx | xx | xx | xx | XX | XX | 06/21/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 1 | xx | B3LTXWV2BFY | xx | xx | xx | xx | XX | XX | 06/28/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 1 | xx | DXQ0GEHPFVK | xx | xx | xx | xx | XX | XX | 07/06/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.8 |
| 1 | xx | IRWQGUOMYYW | xx | xx | xx | xx | XX | XX | 05/31/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -9.62% | Merrimack Appraisal Services | xx |  |  |  |  |  |  | Yes | 1 | 1.3 |
| 1 | xx | L5UJXWFGVPQ | xx | xx | xx | xx | XX | XX | 07/18/2022 | 1025 2-4 Family Appraisal | xx | xx | 4.44% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | 1MWWI44VROY | xx | xx | xx | xx | XX | XX | 07/05/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1.9 |
| 1 | xx | FKUWZDPNFMX | xx | xx | xx | xx | XX | XX | 06/07/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.5 |
| 1 | xx | CXLBPJ4WUHJ | xx | xx | xx | xx | XX | XX | 06/21/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.6 |
| 1 | xx | 1BYUEEZI4F1 | xx | xx | xx | xx | XX | XX | 06/13/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 1 | xx | DKXAA2VUMMC | xx | xx | xx | xx | XX | XX | 06/15/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.4 |
| 1 | xx | PEQL0EQAUC4 | xx | xx | xx | xx | XX | XX | 06/08/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1.8 |
| 1 | xx | PQ0O4IGDGHA | xx | xx | xx | xx | XX | XX | 06/14/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.7 |
| 1 | xx | XQICPPCYD4F | xx | xx | xx | xx | XX | XX | 06/30/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 1 | xx | 3NS2MKO2U4C | xx | xx | xx | xx | XX | XX | 06/10/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1.1 |
| 1 | xx | IUMGXHM5GWM | xx | xx | xx | xx | XX | XX | 04/07/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 1 | xx | SK5FJFH4W3W | xx | xx | xx | xx | XX | XX | 05/20/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 1 | xx | 4XSDQM04XSY | xx | xx | xx | xx | XX | XX | 2/18/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | 4XSDQM04XSY | xx | xx | xx | xx | XX | XX | 2/18/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | 4XSDQM04XSY | xx | xx | xx | xx | XX | XX | 2/18/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | 4XSDQM04XSY | xx | xx | xx | xx | XX | XX | 2/18/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | HJGBM3OJEGU | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | HJGBM3OJEGU | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | HJGBM3OJEGU | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | HJGBM3OJEGU | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | HJGBM3OJEGU | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | PGX4HAYHDBC | xx | xx | xx | xx | XX | XX | 7/3/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -9.52% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | OQ5YP4ZBN5Z | xx | xx | xx | xx | XX | XX | 7/7/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Nationwide Valuation Solutions, LLC | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | 5O2BCG3HGKY | xx | xx | xx | xx | XX | XX | 8/10/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 9.68% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | SJKQXL1W5AO | xx | xx | xx | xx | XX | XX | 9/9/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Great Lakes Financing LLC | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | GAD2G25UGU2 | xx | xx | xx | xx | XX | XX | 6/30/2021 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 30.81% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | SADWFUQOUGW | xx | xx | xx | xx | XX | XX | 10/25/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | FCATIBVH5L5 | xx | xx | xx | xx | XX | XX | 10/25/2021 | 1004 Residential Appraisal | xx | xx | -4.44% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | U0HHACQW0LT | xx | xx | xx | xx | XX | XX | 12/16/2021 | 1004 Residential Appraisal | xx | xx | -10.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | U0HHACQW0LT | xx | xx | xx | xx | XX | XX | 12/16/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | U0HHACQW0LT | xx | xx | xx | xx | XX | XX | 12/16/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | U0HHACQW0LT | xx | xx | xx | xx | XX | XX | 12/16/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | U0HHACQW0LT | xx | xx | xx | xx | XX | XX | 12/16/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | U0HHACQW0LT | xx | xx | xx | xx | XX | XX | 12/16/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 7 | xx | U0HHACQW0LT | xx | xx | xx | xx | XX | XX | 12/16/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | TIJCMYIXK1Y | xx | xx | xx | xx | XX | XX | 10/19/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | JQFIDQWAURH | xx | xx | xx | xx | XX | XX | 10/19/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | S1PC5VFBULO | xx | xx | xx | xx | XX | XX | 10/19/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | 42ATFL0XSVH | xx | xx | xx | xx | XX | XX | 10/19/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | I0YY53E5HML | xx | xx | xx | xx | XX | XX | 10/25/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | LSX5KXCCN5C | xx | xx | xx | xx | XX | XX | 10/25/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | 3JTJJHIGAHA | xx | xx | xx | xx | XX | XX | 10/25/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | BHLV0NRELBV | xx | xx | xx | xx | XX | XX | 8/23/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 6.92% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | MYTEB13DLH5 | xx | xx | xx | xx | XX | XX | 8/23/2021 | 1004 Residential Appraisal | xx | xx | -10.26% | Nationwide Valuation Solutions, LLC | xx | xx | xx | -0.64% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | 1OA3UWL2ZXE | xx | xx | xx | xx | XX | XX | 9/2/2021 | 1004 Residential Appraisal | xx | xx | -16.00% | Nationwide Valuation Solutions, LLC | xx | xx | xx | 2.40% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | IKRJYBPFRE2 | xx | xx | xx | xx | XX | XX | 9/22/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | JJMOXMBDUV5 | xx | xx | xx | xx | XX | XX | 9/22/2021 | 1004 Residential Appraisal | xx | xx | -13.89% | Clear Capital | xx | xx | xx | -9.03% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | MIGPTHBU01G | xx | xx | xx | xx | XX | XX | 9/24/2021 | 1025 2-4 Family Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | BV0DRV4JL2O | xx | xx | xx | xx | XX | XX | 10/7/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | UMDSJ3GT0NO | xx | xx | xx | xx | XX | XX | 11/15/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | OM4DIVW50F5 | xx | xx | xx | xx | XX | XX | 11/4/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | CBGH21MGCFD | xx | xx | xx | xx | XX | XX | 12/3/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | Z5J0FGYUBQS | xx | xx | xx | xx | XX | XX | 10/28/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Ohio Real Appraisal LLC | xx | xx | xx | 29.45% | ClearCapital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | EBXABN5SA2V | xx | xx | xx | xx | XX | XX | 11/16/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | K31RCH0KWBY | xx | xx | xx | xx | XX | XX | 12/1/2021 | 1004 Residential Appraisal | xx | xx | -2.44% | Clear capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | OL1SLBY0MLO | xx | xx | xx | xx | XX | XX | 12/27/2021 | 1025 2-4 Family Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | EOSWOXUZNTT | xx | xx | xx | xx | XX | XX | 1/12/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 22.22% | Clear capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | EOSWOXUZNTT | xx | xx | xx | xx | XX | XX | 1/12/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 66.67% | Clear capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | EOSWOXUZNTT | xx | xx | xx | xx | XX | XX | 1/12/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 2.13% | Clear capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | EOSWOXUZNTT | xx | xx | xx | xx | XX | XX | 1/12/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 80.95% | Clear capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | EOSWOXUZNTT | xx | xx | xx | xx | XX | XX | 1/12/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 3.03% | Clear capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | 1PQDLGGVFLT | xx | xx | xx | xx | XX | XX | 1/25/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | PZUJDZWRPIK | xx | xx | xx | xx | XX | XX | 3/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | VF3NHFXQYPJ | xx | xx | xx | xx | XX | XX | 1/27/2022 | 1004C Manufactured Home |  |  |  |  |  | xx | xx | 1.18% | Clear capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | LFJHJNRW2DV | xx | xx | xx | xx | XX | XX | 7/22/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 57.63% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | LFJHJNRW2DV | xx | xx | xx | xx | XX | XX | 7/22/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 36.00% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | LFJHJNRW2DV | xx | xx | xx | xx | XX | XX | 7/22/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 61.11% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | LFJHJNRW2DV | xx | xx | xx | xx | XX | XX | 7/22/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 71.23% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | LFJHJNRW2DV | xx | xx | xx | xx | XX | XX | 7/22/2021 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 8.24% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | LFJHJNRW2DV | xx | xx | xx | xx | XX | XX | 7/22/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 68.92% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 7 | xx | LFJHJNRW2DV | xx | xx | xx | xx | XX | XX | 7/22/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 37.50% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 8 | xx | LFJHJNRW2DV | xx | xx | xx | xx | XX | XX | 7/22/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 18.18% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9 | xx | LFJHJNRW2DV | xx | xx | xx | xx | XX | XX | 7/22/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 117.07% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 10 | xx | LFJHJNRW2DV | xx | xx | xx | xx | XX | XX | 7/22/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 46.34% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 11 | xx | LFJHJNRW2DV | xx | xx | xx | xx | XX | XX | 7/22/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 116.67% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 12 | xx | LFJHJNRW2DV | xx | xx | xx | xx | XX | XX | 7/22/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 72.73% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 13 | xx | LFJHJNRW2DV | xx | xx | xx | xx | XX | XX | 7/22/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 37.50% | Clear capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -4.55% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 36.36% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -7.69% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 18.57% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -8.89% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 7 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 4.29% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 8 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -1.37% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 25.88% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 10 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 25.68% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 11 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 33.33% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 12 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 25.00% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 13 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 14.94% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 14 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 29.30% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 15 | xx | CXJN0STTAKU | xx | xx | xx | xx | XX | XX | 11/1/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 53.40% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | OHMTUX1IMLZ | xx | xx | xx | xx | XX | XX | 4/15/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 6.25% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | OHMTUX1IMLZ | xx | xx | xx | xx | XX | XX | 4/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 3.77% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | OHMTUX1IMLZ | xx | xx | xx | xx | XX | XX | 4/15/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  | xx | xx | 24.46% | Clear Capital | xx | 0.2565 | No | Unavailable | Unavailable |
| 4 | xx | OHMTUX1IMLZ | xx | xx | xx | xx | XX | XX | 4/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 50.00% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | OHMTUX1IMLZ | xx | xx | xx | xx | XX | XX | 4/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 26.98% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | OHMTUX1IMLZ | xx | xx | xx | xx | XX | XX | 4/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 4.35% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 7 | xx | OHMTUX1IMLZ | xx | xx | xx | xx | XX | XX | 4/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 38.26% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 8 | xx | OHMTUX1IMLZ | xx | xx | xx | xx | XX | XX | 4/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 9.91% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9 | xx | OHMTUX1IMLZ | xx | xx | xx | xx | XX | XX | 4/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 181.93% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | YE0JZHMB4HV | xx | xx | xx | xx | XX | XX | 1/6/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 7.41% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 2 | xx | YE0JZHMB4HV | xx | xx | xx | xx | XX | XX | 1/6/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 12.12% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 3 | xx | YE0JZHMB4HV | xx | xx | xx | xx | XX | XX | 1/6/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 11.27% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 4 | xx | YE0JZHMB4HV | xx | xx | xx | xx | XX | XX | 1/6/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 8.82% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 5 | xx | YE0JZHMB4HV | xx | xx | xx | xx | XX | XX | 1/6/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 10.53% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 6 | xx | YE0JZHMB4HV | xx | xx | xx | xx | XX | XX | 1/6/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 4.11% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | 1VHULPT2LDL | xx | xx | xx | xx | XX | XX | 1/14/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -3.58% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | 1VHULPT2LDL | xx | xx | xx | xx | XX | XX | 1/14/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  |  |  |  |  |  | xx | xx | 6.57% | House Canary | xx | 0.48 | No | Unavailable | Unavailable |
| 3 | xx | 1VHULPT2LDL | xx | xx | xx | xx | XX | XX | 1/14/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -0.29% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | 1VHULPT2LDL | xx | xx | xx | xx | XX | XX | 1/14/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | -6.45% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | 1VHULPT2LDL | xx | xx | xx | xx | XX | XX | 1/14/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 13.21% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | 1VHULPT2LDL | xx | xx | xx | xx | XX | XX | 1/14/2022 | 1025 2-4 Family Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 7 | xx | 1VHULPT2LDL | xx | xx | xx | xx | XX | XX | 1/14/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 25.00% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 8 | xx | 1VHULPT2LDL | xx | xx | xx | xx | XX | XX | 1/14/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 4.62% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9 | xx | 1VHULPT2LDL | xx | xx | xx | xx | XX | XX | 1/14/2022 | 1025 2-4 Family Appraisal | xx | xx | 0.73% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 10 | xx | 1VHULPT2LDL | xx | xx | xx | xx | XX | XX | 1/14/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | -21.92% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 11 | xx | 1VHULPT2LDL | xx | xx | xx | xx | XX | XX | 1/14/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 7.46% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 12 | xx | 1VHULPT2LDL | xx | xx | xx | xx | XX | XX | 1/14/2022 | 1073 Condominiums |  |  |  |  |  | xx | xx | 37.50% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 13 | xx | 1VHULPT2LDL | xx | xx | xx | xx | XX | XX | 1/14/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | HBL4SUCJHGS | xx | xx | xx | xx | XX | XX | 2/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | -5.00% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | HBL4SUCJHGS | xx | xx | xx | xx | XX | XX | 2/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 2.51% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | HBL4SUCJHGS | xx | xx | xx | xx | XX | XX | 2/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 3.19% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | HBL4SUCJHGS | xx | xx | xx | xx | XX | XX | 2/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 8.53% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | HBL4SUCJHGS | xx | xx | xx | xx | XX | XX | 2/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 5.32% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | HBL4SUCJHGS | xx | xx | xx | xx | XX | XX | 2/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 1.40% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | 3PMJKC2XCGI | xx | xx | xx | xx | XX | XX | 2/22/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 38.89% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 2 | xx | 3PMJKC2XCGI | xx | xx | xx | xx | XX | XX | 2/22/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 42.05% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 3 | xx | 3PMJKC2XCGI | xx | xx | xx | xx | XX | XX | 2/22/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 74.68% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 4 | xx | 3PMJKC2XCGI | xx | xx | xx | xx | XX | XX | 2/22/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 0.95% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 5 | xx | 3PMJKC2XCGI | xx | xx | xx | xx | XX | XX | 2/22/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 10.00% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 6 | xx | 3PMJKC2XCGI | xx | xx | xx | xx | XX | XX | 2/22/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -8.16% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 7 | xx | 3PMJKC2XCGI | xx | xx | xx | xx | XX | XX | 2/22/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 26.74% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 8 | xx | 3PMJKC2XCGI | xx | xx | xx | xx | XX | XX | 2/22/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 13.40% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 9 | xx | 3PMJKC2XCGI | xx | xx | xx | xx | XX | XX | 2/22/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 3.36% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 10 | xx | 3PMJKC2XCGI | xx | xx | xx | xx | XX | XX | 2/22/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -4.76% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 11 | xx | 3PMJKC2XCGI | xx | xx | xx | xx | XX | XX | 2/22/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 14.29% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 12 | xx | 3PMJKC2XCGI | xx | xx | xx | xx | XX | XX | 2/22/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 1.85% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 13 | xx | 3PMJKC2XCGI | xx | xx | xx | xx | XX | XX | 2/22/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 42.86% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 14 | xx | 3PMJKC2XCGI | xx | xx | xx | xx | XX | XX | 2/22/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 3.60% | Clear Capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | NLR2I02QBP5 | xx | xx | xx | xx | XX | XX | 3/2/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -2.33% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | NLR2I02QBP5 | xx | xx | xx | xx | XX | XX | 3/2/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | -8.73% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | 4XWIFIE4FTV | xx | xx | xx | xx | XX | XX | 4/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | -3.43% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | 4XWIFIE4FTV | xx | xx | xx | xx | XX | XX | 4/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | -7.54% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | 4XWIFIE4FTV | xx | xx | xx | xx | XX | XX | 4/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 22.69% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | 4XWIFIE4FTV | xx | xx | xx | xx | XX | XX | 4/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 7.84% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | 4XWIFIE4FTV | xx | xx | xx | xx | XX | XX | 4/15/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | -2.02% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | VRV0ZD4TIE5 | xx | xx | xx | xx | XX | XX | 5/4/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | xx | 13.21% | Clear capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | 1SSBQWD2WX3 | xx | xx | xx | xx | XX | XX | 9/21/2021 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -1.77% | Clear capital | xx |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | WDJMFTVBACM | xx | xx | xx | xx | XX | XX | 10/7/2021 | 1004 Residential Appraisal | xx | xx | -5.30% | SitusAMC Value Reconciliation | xx | xx | xx | -6.06% | Clear capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | UBVJ1VYRC4J | xx | xx | xx | xx | XX | XX | 3/23/2022 | 1004 Residential Appraisal | xx | xx | -5.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | VZGUZZMFDPR | xx | xx | xx | xx | XX | XX | 9/21/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | VZGUZZMFDPR | xx | xx | xx | xx | XX | XX | 9/21/2021 | 1025 2-4 Family Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | VZGUZZMFDPR | xx | xx | xx | xx | XX | XX | 9/21/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | VZGUZZMFDPR | xx | xx | xx | xx | XX | XX | 9/21/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | 0FLP4FZAUVQ | xx | xx | xx | xx | XX | XX | 10/7/2021 | 1025 2-4 Family Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 2 | xx | 0FLP4FZAUVQ | xx | xx | xx | xx | XX | XX | 10/7/2021 | 1025 2-4 Family Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 3 | xx | 0FLP4FZAUVQ | xx | xx | xx | xx | XX | XX | 10/7/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 4 | xx | 0FLP4FZAUVQ | xx | xx | xx | xx | XX | XX | 10/7/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 5 | xx | 0FLP4FZAUVQ | xx | xx | xx | xx | XX | XX | 10/7/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 6 | xx | 0FLP4FZAUVQ | xx | xx | xx | xx | XX | XX | 10/7/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 7 | xx | 0FLP4FZAUVQ | xx | xx | xx | xx | XX | XX | 10/7/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 8 | xx | 0FLP4FZAUVQ | xx | xx | xx | xx | XX | XX | 10/7/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1 | xx | MVRG0PVZUDB | xx | xx | xx | xx | XX | XX | 11/23/2021 | 1073 Condominiums | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | MVRG0PVZUDB | xx | xx | xx | xx | XX | XX | 11/23/2021 | 1073 Condominiums | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | MVRG0PVZUDB | xx | xx | xx | xx | XX | XX | 11/23/2021 | 1073 Condominiums | xx | xx | 3.68% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | MVRG0PVZUDB | xx | xx | xx | xx | XX | XX | 11/23/2021 | 1073 Condominiums | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | MVRG0PVZUDB | xx | xx | xx | xx | XX | XX | 11/23/2021 | 1073 Condominiums | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | MVRG0PVZUDB | xx | xx | xx | xx | XX | XX | 11/23/2021 | 1073 Condominiums | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 7 | xx | MVRG0PVZUDB | xx | xx | xx | xx | XX | XX | 11/23/2021 | 1073 Condominiums | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 8 | xx | MVRG0PVZUDB | xx | xx | xx | xx | XX | XX | 11/23/2021 | 1073 Condominiums | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | FCYKMP1WLOR | xx | xx | xx | xx | XX | XX | 11/29/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | FCYKMP1WLOR | xx | xx | xx | xx | XX | XX | 11/29/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | FCYKMP1WLOR | xx | xx | xx | xx | XX | XX | 11/29/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | FCYKMP1WLOR | xx | xx | xx | xx | XX | XX | 11/29/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | FCYKMP1WLOR | xx | xx | xx | xx | XX | XX | 11/29/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | FCYKMP1WLOR | xx | xx | xx | xx | XX | XX | 11/29/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 7 | xx | FCYKMP1WLOR | xx | xx | xx | xx | XX | XX | 11/29/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 8 | xx | FCYKMP1WLOR | xx | xx | xx | xx | XX | XX | 11/29/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9 | xx | FCYKMP1WLOR | xx | xx | xx | xx | XX | XX | 11/29/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 10 | xx | FCYKMP1WLOR | xx | xx | xx | xx | XX | XX | 11/29/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 11 | xx | FCYKMP1WLOR | xx | xx | xx | xx | XX | XX | 11/29/2021 | 1004 Residential Appraisal | xx | xx | -5.56% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 12 | xx | FCYKMP1WLOR | xx | xx | xx | xx | XX | XX | 11/29/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 13 | xx | FCYKMP1WLOR | xx | xx | xx | xx | XX | XX | 11/29/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 14 | xx | FCYKMP1WLOR | xx | xx | xx | xx | XX | XX | 11/29/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | VKX3LCMJR21 | xx | xx | xx | xx | XX | XX | 11/30/2021 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | $0.00 | 0.00% | Clear capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1004 Residential Appraisal | xx | xx | 3.64% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 7 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 8 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 10 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 11 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 12 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1073 Condominiums | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 13 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 14 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1073 Condominiums | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 15 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 16 | xx | VITWRCRG0ON | xx | xx | xx | xx | XX | XX | 11/3/2021 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | Y1CTKX23RZQ | xx | xx | xx | xx | XX | XX | 1/13/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | Y1CTKX23RZQ | xx | xx | xx | xx | XX | XX | 1/13/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | Y1CTKX23RZQ | xx | xx | xx | xx | XX | XX | 1/13/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | Y1CTKX23RZQ | xx | xx | xx | xx | XX | XX | 1/13/2022 | 1025 2-4 Family Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | AOI1QQNNJF5 | xx | xx | xx | xx | XX | XX | 1/21/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | BRY4MII4IKB | xx | xx | xx | xx | XX | XX | 2/14/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | BRY4MII4IKB | xx | xx | xx | xx | XX | XX | 2/14/2022 | 1025 2-4 Family Appraisal | xx | xx | -3.95% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | BRY4MII4IKB | xx | xx | xx | xx | XX | XX | 2/14/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | BRY4MII4IKB | xx | xx | xx | xx | XX | XX | 2/14/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | BRY4MII4IKB | xx | xx | xx | xx | XX | XX | 2/14/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | BRY4MII4IKB | xx | xx | xx | xx | XX | XX | 2/14/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 7 | xx | BRY4MII4IKB | xx | xx | xx | xx | XX | XX | 2/14/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 8 | xx | BRY4MII4IKB | xx | xx | xx | xx | XX | XX | 2/14/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9 | xx | BRY4MII4IKB | xx | xx | xx | xx | XX | XX | 2/14/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 10 | xx | BRY4MII4IKB | xx | xx | xx | xx | XX | XX | 2/14/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | ODK0XYSVHDU | xx | xx | xx | xx | XX | XX | 2/3/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 7.83% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | ODK0XYSVHDU | xx | xx | xx | xx | XX | XX | 2/3/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -3.01% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | ODK0XYSVHDU | xx | xx | xx | xx | XX | XX | 2/3/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -4.29% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | ODK0XYSVHDU | xx | xx | xx | xx | XX | XX | 2/3/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 5.69% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | ODK0XYSVHDU | xx | xx | xx | xx | XX | XX | 2/3/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 5.69% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | ODK0XYSVHDU | xx | xx | xx | xx | XX | XX | 2/3/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 4.61% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 7 | xx | ODK0XYSVHDU | xx | xx | xx | xx | XX | XX | 2/3/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | -4.29% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 8 | xx | ODK0XYSVHDU | xx | xx | xx | xx | XX | XX | 2/3/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 5.69% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9 | xx | ODK0XYSVHDU | xx | xx | xx | xx | XX | XX | 2/3/2022 | 1004 Residential Appraisal |  |  |  |  |  | xx | xx | 4.62% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | LJ3DJOJMG35 | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | LJ3DJOJMG35 | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1025 2-4 Family Appraisal |  |  |  |  |  | xx | $0.00 | 0.00% | Clear Capital | xx |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | LJ3DJOJMG35 | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | LJ3DJOJMG35 | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | LJ3DJOJMG35 | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | LJ3DJOJMG35 | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1025 2-4 Family Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 7 | xx | LJ3DJOJMG35 | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 8 | xx | LJ3DJOJMG35 | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9 | xx | LJ3DJOJMG35 | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 10 | xx | LJ3DJOJMG35 | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 11 | xx | LJ3DJOJMG35 | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1025 2-4 Family Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 12 | xx | LJ3DJOJMG35 | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 13 | xx | LJ3DJOJMG35 | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 14 | xx | LJ3DJOJMG35 | xx | xx | xx | xx | XX | XX | 2/8/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | EIJTWOBUFGV | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | xx | -1.64% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | EIJTWOBUFGV | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | EIJTWOBUFGV | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | EIJTWOBUFGV | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | EIJTWOBUFGV | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | EIJTWOBUFGV | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 7 | xx | EIJTWOBUFGV | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 8 | xx | EIJTWOBUFGV | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9 | xx | EIJTWOBUFGV | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | 44T30SUXMU4 | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | 44T30SUXMU4 | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | 44T30SUXMU4 | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | 44T30SUXMU4 | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5 | xx | 44T30SUXMU4 | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 6 | xx | 44T30SUXMU4 | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 7 | xx | 44T30SUXMU4 | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 8 | xx | 44T30SUXMU4 | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9 | xx | 44T30SUXMU4 | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 10 | xx | 44T30SUXMU4 | xx | xx | xx | xx | XX | XX | 2/7/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | IROZOEC2BEG | xx | xx | xx | xx | XX | XX | 2/6/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | IROZOEC2BEG | xx | xx | xx | xx | XX | XX | 2/6/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | IROZOEC2BEG | xx | xx | xx | xx | XX | XX | 2/6/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | IROZOEC2BEG | xx | xx | xx | xx | XX | XX | 2/6/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | FC4WXWF2INI | xx | xx | xx | xx | XX | XX | 2/18/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | FC4WXWF2INI | xx | xx | xx | xx | XX | XX | 2/18/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | FC4WXWF2INI | xx | xx | xx | xx | XX | XX | 2/18/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | HPW5MS1K1BB | xx | xx | xx | xx | XX | XX | 3/4/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | HPW5MS1K1BB | xx | xx | xx | xx | XX | XX | 3/4/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | KTRIQIC3L5L | xx | xx | xx | xx | XX | XX | 3/29/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | KTRIQIC3L5L | xx | xx | xx | xx | XX | XX | 3/29/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1 | xx | VWSTWJ4GNM1 | xx | xx | xx | xx | XX | XX | 1/19/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2 | xx | VWSTWJ4GNM1 | xx | xx | xx | xx | XX | XX | 1/19/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3 | xx | VWSTWJ4GNM1 | xx | xx | xx | xx | XX | XX | 1/19/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4 | xx | VWSTWJ4GNM1 | xx | xx | xx | xx | XX | XX | 1/19/2022 | 1004 Residential Appraisal | xx | $0.00 | 0.00% | Proteck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Dummy ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| 0FLP4FZAUVQ | xx | xx | Maryland | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| 0XZ4SQAJQ5R | xx | xx | California | xx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 10080784 | xx | xx | California | xx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 135EDQBXL1S | xx | xx | California | xx | Primary | Refinance B | A D B | A | A D B | A | A D B | A | A D B | A | A D B CD CB | RA | RA | VA | VA |
| 17558149 | xx | xx | California | xx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 1BYUEEZI4F1 | xx | xx | Mississippi | xx | Investor | Cash Out A | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C CC CA | Not Applicable | Not Applicable | VA | VA |
| 1HVZB5GE44B | xx | xx | New Jersey | xx | Investor | Cash Out B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VC | VA |
| 1MWWI44VROY | xx | xx | Nevada | xx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 1OA3UWL2ZXE | xx | xx | Ohio | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| 1PQDLGGVFLT | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 1SSBQWD2WX3 | xx | xx | Massachusetts | xx | Investor | Cash Out B | Not Applicable C B | Not Applicable | Not Applicable D C B | Not Applicable | Not Applicable D C B | Not Applicable | Not Applicable D C B | Not Applicable | Not Applicable D C B CC CB | Not Applicable | Not Applicable | VD | VA |
| 20BMGZ5M5N3 | xx | xx | California | xx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2WU0KPFK0P2 | xx | xx | New York | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| 3JTJJHIGAHA | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 3NS2MKO2U4C | xx | xx | Georgia | xx | Primary | Purchase A | A C | D | A C | D | A C | D | A C | D | A C CC CA | RD | RA | VA | VA |
| OHMTUX1IMLZ | xx | xx | New York | xx | Investor | Refinance C A | Not Applicable C D | Not Applicable | Not Applicable C D | Not Applicable | Not Applicable C D | Not Applicable | Not Applicable C D | Not Applicable | Not Applicable C CD CA | Not Applicable | Not Applicable | VC | VC |
| 41198166 | xx | xx | California | xx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 42ATFL0XSVH | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| 44T30SUXMU4 | xx | xx | Florida | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 47245381 | xx | xx | California | xx | Primary | Refinance A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| 4HNAEWK1UBR | xx | xx | New York | xx | Investor | Purchase B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B CD CB | Not Applicable | Not Applicable | VA | VA |
| 4LYDITAAEL0 | xx | xx | Pennsylvania | xx | Investor | Cash Out A | Not Applicable C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C CC CA | Not Applicable | Not Applicable | VD | VA |
| 4N2TTLKTGO0 | xx | xx | California | xx | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |
| 4STNHPSUFVS | xx | xx | California | xx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 4XSDQM04XSY | xx | xx | Maryland | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 4XWIFIE4FTV | xx | xx | Connecticut | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VD | VA |
| 5O2BCG3HGKY | xx | xx | Ohio | xx | Investor | Refinance B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B CB | Not Applicable | Not Applicable | VD | VA |
| 5XUXTBXJGH2 | xx | xx | California | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| 66500637 | xx | xx | California | xx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 94140453 | xx | xx | California | xx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| AOI1QQNNJF5 | xx | xx | Missouri | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| B3LTXWV2BFY | xx | xx | Massachusetts | xx | Primary | Purchase A | A C | B | A C | B | A C | B | A C | B | A C CC CA | RB | RA | VA | VA |
| BHLV0NRELBV | xx | xx | Ohio | xx | Investor | Refinance B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B CB | Not Applicable | Not Applicable | VD | VA |
| BRY4MII4IKB | xx | xx | Georgia | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| BV0DRV4JL2O | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| C0SSINGA0EW | xx | xx | Illinois | xx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CD CA | RD | RA | VA | VA |
| CBGH21MGCFD | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| CXJN0STTAKU | xx | xx | Tennessee | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VD | VA |
| CXLBPJ4WUHJ | xx | xx | Nevada | xx | Investor | Purchase A | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C CC CA | Not Applicable | Not Applicable | VA | VA |
| DKXAA2VUMMC | xx | xx | Nevada | xx | Investor | Cash Out A | Not Applicable C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C CC CA | Not Applicable | Not Applicable | VD | VA |
| DXQ0GEHPFVK | xx | xx | South Carolina | xx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| EBXABN5SA2V | xx | xx | Ohio | xx | Investor | Refinance B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| EIJTWOBUFGV | xx | xx | Pennsylvania | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| EOSWOXUZNTT | xx | xx | Florida | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VD | VA |
| EU11LR3IYXL | xx | xx | California | xx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| FC4WXWF2INI | xx | xx | Tennessee | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| FCATIBVH5L5 | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| FCYKMP1WLOR | xx | xx | Virginia | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| FGULBW4IDKM | xx | xx | Colorado | xx | Primary | Purchase A | A D | B | A D | B | A D | B | A D | B | A D CD CA | RB | RA | VA | VA |
| FKUWZDPNFMX | xx | xx | Nevada | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| FWAPTQ5NF3W | xx | xx | Tennessee | xx | Primary | Cash Out A | A D | D | A D | D | A D | D | A D | D | A D CD CA | RD | RA | VD | VA |
| GAD2G25UGU2 | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| H0YRL1OUV4I | xx | xx | California | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| HBL4SUCJHGS | xx | xx | Connecticut | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VD | VA |
| HJGBM3OJEGU | xx | xx | Maryland | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| HPW5MS1K1BB | xx | xx | Tennessee | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| I0YY53E5HML | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C CC CA | Not Applicable | Not Applicable | VA | VA |
| IKRJYBPFRE2 | xx | xx | Ohio | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| IROZOEC2BEG | xx | xx | Delaware | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| IRWQGUOMYYW | xx | xx | Florida | xx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| IUMGXHM5GWM | xx | xx | Florida | xx | Primary | Refinance A | A C | B | A C | B | A C | B | A C | B | A C CC CA | RB | RA | VA | VA |
| JJ5SJZGL35P | xx | xx | California | xx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| JJEAR2XCIKK | xx | xx | Nevada | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| JJMOXMBDUV5 | xx | xx | Ohio | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| JQFIDQWAURH | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| JXQIXKTOXPU | xx | xx | Massachusetts | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| K31RCH0KWBY | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| KTRIQIC3L5L | xx | xx | Pennsylvania | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| KVXDZ0HMEBQ | xx | xx | California | xx | Primary | Cash Out A | A C | A | A C | A | A C | A | A C | A | A C CC CA | RA | RA | VA | VA |
| KYPFTYPQCGY | xx | xx | California | xx | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |
| L5UJXWFGVPQ | xx | xx | Massachusetts | xx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| LFJHJNRW2DV | xx | xx | New Jersey | xx | Investor | Cash Out A | Not Applicable C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C CC CA | Not Applicable | Not Applicable | VD | VA |
| LJ3DJOJMG35 | xx | xx | Pennsylvania | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| LSX5KXCCN5C | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| LYZMSDJNS2R | xx | xx | California | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| M0EJFDWWJST | xx | xx | California | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| MIGPTHBU01G | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| MVRG0PVZUDB | xx | xx | Ohio | xx | Investor | Cash Out B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| MYTEB13DLH5 | xx | xx | Ohio | xx | Investor | Refinance B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B CD CB | Not Applicable | Not Applicable | VD | VA |
| NLR2I02QBP5 | xx | xx | Connecticut | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VD | VA |
| ODK0XYSVHDU | xx | xx | Florida | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| 1VHULPT2LDL | xx | xx | Connecticut | xx | Investor | Cash Out A | Not Applicable C D | Not Applicable | Not Applicable C D | Not Applicable | Not Applicable C D | Not Applicable | Not Applicable C D | Not Applicable | Not Applicable C CD CA | Not Applicable | Not Applicable | VC | VC |
| OL1SLBY0MLO | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| OM4DIVW50F5 | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| OQ5YP4ZBN5Z | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| PEQL0EQAUC4 | xx | xx | Texas | xx | Investor | Purchase A | Not Applicable C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C CC CA | Not Applicable | Not Applicable | VD | VA |
| PGX4HAYHDBC | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| PIQK3PFVFDT | xx | xx | California | xx | Primary | Purchase A | A D | B | A D | B | A D | B | A D | B | A D CD CA | RB | RA | VA | VA |
| PQ0O4IGDGHA | xx | xx | Colorado | xx | Primary | Purchase A | A C | A | A C | A | A C | A | A C | A | A C CC CA | RA | RA | VA | VA |
| PX3SPWJ0OA0 | xx | xx | New Jersey | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| PZUJDZWRPIK | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| PZUW1CV5JDX | xx | xx | California | xx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| QEOKRISUCPT | xx | xx | New Jersey | xx | Primary | Refinance A | A D | B | A D | B | A D | B | A D | B | A D CD CA | RB | RA | VD | VA |
| QKBMYBZMF4A | xx | xx | California | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| RFCEADP2B1Y | xx | xx | Pennsylvania | xx | Investor | Purchase A | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C CC CA | Not Applicable | Not Applicable | VC | VA |
| RRAOXVGWIPW | xx | xx | Florida | xx | Investor | Purchase A | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C CC CA | Not Applicable | Not Applicable | VA | VA |
| S1PC5VFBULO | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| SADWFUQOUGW | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| SJKQXL1W5AO | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C CC CA | Not Applicable | Not Applicable | VD | VA |
| SK5FJFH4W3W | xx | xx | California | xx | Primary | Cash Out B | A C B | A | A C B | A | A C B | A | A C B | A | A C B CC CB | RA | RA | VA | VA |
| SVLVLMGBWGI | xx | xx | Pennsylvania | xx | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |
| TIJCMYIXK1Y | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| TM5CL41OC0V | xx | xx | Texas | xx | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |
| U0HHACQW0LT | xx | xx | Tennessee | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| UBVJ1VYRC4J | xx | xx | North Carolina | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 3PMJKC2XCGI | xx | xx | New York | xx | Investor | Cash Out A | Not Applicable C D | Not Applicable | Not Applicable C D | Not Applicable | Not Applicable C D | Not Applicable | Not Applicable C D | Not Applicable | Not Applicable C CD CA | Not Applicable | Not Applicable | VC | VA |
| UMDSJ3GT0NO | xx | xx | Ohio | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| VF3NHFXQYPJ | xx | xx | Ohio | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| VITWRCRG0ON | xx | xx | Maryland | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| VKX3LCMJR21 | xx | xx | New Jersey | xx | Investor | Purchase A | Not Applicable C D | Not Applicable | Not Applicable C D | Not Applicable | Not Applicable C D | Not Applicable | Not Applicable C D | Not Applicable | Not Applicable C CD CA | Not Applicable | Not Applicable | VC | VA |
| VRV0ZD4TIE5 | xx | xx | Texas | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| VWSTWJ4GNM1 | xx | xx | Maryland | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| VZGUZZMFDPR | xx | xx | West Virginia | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| W5Y1MD45CMR | xx | xx | California | xx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| WDJMFTVBACM | xx | xx | New York | xx | Investor | Cash Out B | Not Applicable C B | Not Applicable | Not Applicable D C B | Not Applicable | Not Applicable D C B | Not Applicable | Not Applicable D C B | Not Applicable | Not Applicable D C B CC CB | Not Applicable | Not Applicable | VD | VA |
| WLNNZGV51VM | xx | xx | California | xx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| XQICPPCYD4F | xx | xx | New Jersey | xx | Primary | Purchase A | A C | B | A C | B | A C | B | A C | B | A C CC CA | RB | RA | VA | VA |
| Y1CTKX23RZQ | xx | xx | Wisconsin | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| YDUSWD1OS55 | xx | xx | California | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| YE0JZHMB4HV | xx | xx | New Jersey | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VD | VA |
| Z5J0FGYUBQS | xx | xx | Ohio | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| ZB15EQCJSUD | xx | xx | California | xx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| ZG0ADMLREDR | xx | xx | Florida | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| ZPKWJ1SSPD0 | xx | xx | California | xx | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Dummy ID** | **Customer Loan #** | **Seller Loan #** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| 4HNAEWK1UBR | xx | xx | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | xx | -69.790% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| RFCEADP2B1Y | xx | xx | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | xx | -49.189% | Clear Capital | xx | xx | xx | 2.381% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 4LYDITAAEL0 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | -87.959% | Clear Capital | xx | xx | xx | 10.665% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1HVZB5GE44B | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | xx | -50.000% | Clear Capital | xx | xx | xx | -44.898% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| PX3SPWJ0OA0 | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| LYZMSDJNS2R | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx | xx | xx | -1.111% | A. Bryant Appraisals Inc | xx |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 1.6 |
| 2WU0KPFK0P2 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 2.299% | A. Bryant Appraisals Inc | xx | Yes | Not Applicable | 1 |
| ZG0ADMLREDR | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |
| JJEAR2XCIKK | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 2.1 |
| ZPKWJ1SSPD0 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| JXQIXKTOXPU | xx | xx | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Red Bell Real Estate, LLC | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| FWAPTQ5NF3W | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| C0SSINGA0EW | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2 |
| SVLVLMGBWGI | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.8 |
| FGULBW4IDKM | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | 2.590% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3 |
| QEOKRISUCPT | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| B3LTXWV2BFY | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| DXQ0GEHPFVK | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.8 |
| IRWQGUOMYYW | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -9.615% | Merrimack Appraisal Services | xx |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.3 |
| L5UJXWFGVPQ | xx | xx | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | xx | 4.444% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  | xx | xx | 4.444% | Merrimack Appraisal Services | xx | No | Not Applicable | Not Applicable |
| 1MWWI44VROY | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | 1.696% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1.9 |
| FKUWZDPNFMX | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.5 |
| CXLBPJ4WUHJ | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.6 |
| 1BYUEEZI4F1 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| DKXAA2VUMMC | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.4 |
| PEQL0EQAUC4 | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1.8 |
| PQ0O4IGDGHA | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.7 |
| XQICPPCYD4F | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 3NS2MKO2U4C | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Homegenius Real Estate LLC | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1.1 |
| IUMGXHM5GWM | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| SK5FJFH4W3W | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 4XSDQM04XSY | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| HJGBM3OJEGU | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| PGX4HAYHDBC | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -9.524% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| OQ5YP4ZBN5Z | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Nationwide Valuation Solutions LLC | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 5O2BCG3HGKY | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 9.677% | Clear Capital | xx |  |  |  |  |  | No | Unavailable | Unavailable |
| SJKQXL1W5AO | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | 2.740% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| GAD2G25UGU2 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | xx | 30.814% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| SADWFUQOUGW | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| FCATIBVH5L5 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | -4.444% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| U0HHACQW0LT | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ProTeck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| TIJCMYIXK1Y | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| JQFIDQWAURH | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| S1PC5VFBULO | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 42ATFL0XSVH | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| I0YY53E5HML | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| LSX5KXCCN5C | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3JTJJHIGAHA | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| BHLV0NRELBV | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 6.918% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| MYTEB13DLH5 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -10.256% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1OA3UWL2ZXE | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -16.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| IKRJYBPFRE2 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| JJMOXMBDUV5 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | -13.889% | Clear Capital | xx | xx | xx | -9.028% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| MIGPTHBU01G | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| BV0DRV4JL2O | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| UMDSJ3GT0NO | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| OM4DIVW50F5 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| CBGH21MGCFD | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| Z5J0FGYUBQS | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Ohio Real Appraisal LLC | xx | xx | xx | 29.452% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| EBXABN5SA2V | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| K31RCH0KWBY | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | -2.439% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| OL1SLBY0MLO | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| EOSWOXUZNTT | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 35.169% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1PQDLGGVFLT | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| PZUJDZWRPIK | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| VF3NHFXQYPJ | xx | xx | xx | xx | xx | xx | xx | xx | Multi-Family |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 1.896% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| LFJHJNRW2DV | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 49.739% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| CXJN0STTAKU | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 18.182% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| OHMTUX1IMLZ | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property | xx | xx | 24.46% | Clear Capital | 0.2565 | xx |  |  |  |  |  | xx | xx | 18.99% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| YE0JZHMB4HV | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 8.452% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1VHULPT2LDL | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 2055 DU Quantitative Analysis | xx | xx | 6.571% | House Canary | 0.48 | xx | xx | xx | -79.672% | Clear Capital | xx | xx | xx | -35.109% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| HBL4SUCJHGS | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3PMJKC2XCGI | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 16.280% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| NLR2I02QBP5 | xx | xx | xx | xx | xx | xx | xx | xx | Multi-Family |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -6.562% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4XWIFIE4FTV | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 1.033% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| VRV0ZD4TIE5 | xx | xx | xx | xx | xx | xx | xx | xx | Multi-Family |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 13.208% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1SSBQWD2WX3 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -1.770% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| WDJMFTVBACM | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -6.061% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| UBVJ1VYRC4J | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | -5.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| VZGUZZMFDPR | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ProTeck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 0FLP4FZAUVQ | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | ProTeck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| MVRG0PVZUDB | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | xx | 0.507% | ProTeck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| FCYKMP1WLOR | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | -0.560% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| VKX3LCMJR21 | xx | xx | xx | xx | xx | xx | xx | xx | Multi-Family |  |  |  |  |  |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| VITWRCRG0ON | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | 0.210% | ProTeck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| Y1CTKX23RZQ | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ProTeck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| AOI1QQNNJF5 | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ProTeck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| BRY4MII4IKB | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | -0.031% | ProTeck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| ODK0XYSVHDU | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 2.489% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| LJ3DJOJMG35 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -6.605% | Proteck | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| EIJTWOBUFGV | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ProTeck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 44T30SUXMU4 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ProTeck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| IROZOEC2BEG | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | $0.00 | 0.000% | Proteck | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| FC4WXWF2INI | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ProTeck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| HPW5MS1K1BB | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ProTeck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| KTRIQIC3L5L | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | -3.553% | ProTeck Valuation Intelligence | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| VWSTWJ4GNM1 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | $0.00 | 0.000% | Proteck | xx |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| RRAOXVGWIPW | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | 4.215% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 5XUXTBXJGH2 | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| H0YRL1OUV4I | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| ZB15EQCJSUD | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 16.667% | Silicon Valley Pioneer Appraisal Services | xx | Yes | 4 | 1.7 |
| PIQK3PFVFDT | xx | xx | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.5 | 2.1 |
| 20BMGZ5M5N3 | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Unavailable | 1 |
| EU11LR3IYXL | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| QKBMYBZMF4A | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.2 |
| YDUSWD1OS55 | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| KVXDZ0HMEBQ | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 4N2TTLKTGO0 | xx | xx | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 1 |
| 135EDQBXL1S | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| KYPFTYPQCGY | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 47245381 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 66500637 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -38.400% | Direct Appraisal Network | xx |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 17558149 | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | 1.316% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | xx | xx | 1.316% | Direct Appraisal Network | xx | Not Applicable | Unavailable | 1 |
| 10080784 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 4STNHPSUFVS | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 1.4 |
| 0XZ4SQAJQ5R | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.4 |
| JJ5SJZGL35P | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 1.2 |
| M0EJFDWWJST | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.5 |
| PZUW1CV5JDX | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 94140453 | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | -6.221% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | xx | xx | -6.221% | Max-Am Appraisal and Research Company | xx | No | 5 | 2.6 |
| WLNNZGV51VM | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 2.3 |
| W5Y1MD45CMR | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1.5 |
| TM5CL41OC0V | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 1 |
| 41198166 | xx | xx | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |

---

## Exhibit 99.8

**Exhibit 99.8**

![](ex99-8_001.jpg)

**EXECUTIVE SUMMARY<br> THIRD PARTY DUE DILIGENCE REVIEW**

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third party due diligence provider, performed the review described below on behalf of its client, ("PRP-LB 2023-NQM1, LLC"). The review included a total of 24 newly originated, QM/ATR Exempt and Non-QM residential mortgage loans, in connection with the securitization identified as ("PRPM 2023-NQM1") (the "Securitization"). The review began on August 1, 2022 and concluded on December 20, 2022.

**Scope of Review**

**Credit Review**

MaxDiligence performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application,
final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions have been satisfied prior to
closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Lease Agreements and Market rent, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required
signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Service Provider will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment properties, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated based
on the applicable investor guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R.
Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Service Provider will review applicable mortgage loans for compliance with the ATR and QM rule requirements
based upon each mortgage loan's originator designation of QM, Non-QM, or exempt from ATR. (Service Provider determines the mortgage
loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Service Provider
notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally,
Service Provider notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Service Provider utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Service Provider reviews
the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky
mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed
the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income
or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at
the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion
of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Service Provider reviews the mortgage loan to determine whether,
based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Service
Provider then determines whether the mortgage loan is a Safe Harbor QM or QM Rebuttable Presumption by comparing the mortgage loan's
actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review
also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and
Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above,
Service Provider then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements, as
defined within the applicable underwriting guidelines, and provides a due diligence designation of Non-QM indicating compliant, ATR risk
indicating it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Service Provider reviews the mortgage loan to determine whether, based on available information in the
mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and will verify such information
using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
to close and required reserves, to Confirm that the borrower has current or reasonably expected income or assets (other than the value
of the property that secures the Loan) that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review Loan documentation for required level of income and
asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used to
calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI")
calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the subject Loan monthly payment calculation includes principle,
interest, taxes, and insurance ("PITI"), as well as other costs related to the property such as homeowners' association
("HOA") fees, private mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual income," based
upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation provided in the
file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. DSCR – review of Rental Income and / or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Credit History - Review credit report for credit history and required credit depth, including any /
all inquiries, and Determine a representative credit score from the credit report

**Compliance Review**

MaxDiligence performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test Loan Estimate(s) for accuracy and completeness
as well as timing requirements as required by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test Closing Disclosure(s)
 for accuracy and completeness as well as timing requirements as required by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance
 Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify
 Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive
 review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation
 of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing
 of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal
 Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local
 and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA
 Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine whether
 specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service
 Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home
 Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
 with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the correct Right of Rescission document was executed for the transaction type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm through NMLS the loan originator and
originating firm's license status was active and properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review closing documents to ensure that the
 Mortgage Loan information is complete, accurate, and consistent with other documents; Confirm collateral documents have been
 recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by MaxDiligence are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which MaxDiligence is relying in reaching such findings.

**Valuation Review**

MaxDiligence performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review original appraisal, determination that
 property is in "average" condition or better, or property requires cosmetic improvements (as defined by the appraiser)
 that do not affect habitability. Should an area of concern be identified with the condition of the property, MaxDiligence will alert
 Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review appraisal, determination that property is
 completely constructed and appraisal is on an "as is basis," or property is identified as not completely constructed by
 originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review and determine if the appraisal report was
 performed on appropriate GSE forms and if the appraiser indicated in the body of the subject appraisal that the appraisal conforms
 to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review and determine the relevance of the
 comparable properties and ensure that a rational and reliable value was provided and supported as of the effective date of the
 Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where applicable, determine if the file did not
contain the appraisal or other valuation method and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional valuation products (AVM's,
 CDA's and Field reviews) were obtained to confirm the value was supported within 10% tolerance. This population was obtained
 by the client and ordered by MaxDiligence.

MaxDiligence applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

**Data Discrepancy**

As part of the Credit and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Initial Monthly PI or IO Payment | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;12 | &nbsp;&nbsp;46.15% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;2 | &nbsp;&nbsp;7.69% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp; Original Principal Balance | &nbsp;&nbsp;Percent of<br> Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;18 | $&nbsp;&nbsp;6057347.00 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;6 | $&nbsp;&nbsp;2511200.00 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;24 | $&nbsp;&nbsp;8568547.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp; Original Principal Balance | &nbsp;&nbsp;Percent of<br> Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;18 | $&nbsp;&nbsp;6057347.00 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;6 | $&nbsp;&nbsp;2511200.00 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;24 | $&nbsp;&nbsp;8568547.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp; Original Principal Balance | &nbsp;&nbsp;Percent of<br> Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;24 | $&nbsp;&nbsp;8568547.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;24 | $&nbsp;&nbsp;8568547.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp; Original Principal Balance | &nbsp;&nbsp;Percent of<br> Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;24 | $&nbsp;&nbsp;8568547.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;24 | $&nbsp;&nbsp;8568547.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions:**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** |
| ARInitialInterestRate | 0 | 26 | 0% |
| MINNo | 0 | 26 | 0% |
| B1FirstName | 0 | 26 | 0% |
| ApplicationDate | 1 | 26 | 3.85% |
| MortgageOriginationChannel | 0 | 26 | 0% |
| SalesPrice | 0 | 26 | 0% |
| PropertyZipCode | 0 | 26 | 0% |
| LoanProgram | 0 | 26 | 0% |
| LenderName | 0 | 26 | 0% |
| OriginatorDTI | 0 | 26 | 0% |
| NumberofUnits | 0 | 26 | 0% |
| PropertyCounty | 0 | 26 | 0% |
| PropertyState | 0 | 26 | 0% |
| LoanPurpose | 0 | 26 | 0% |
| AmortizationType | 0 | 26 | 0% |
| NoteDate | 0 | 26 | 0% |
| AllBorrowerTotalIncome | 0 | 26 | 0% |
| B1LastName | 0 | 26 | 0% |
| PropertyAddress | 0 | 26 | 0% |
| FirstPaymentDate | 0 | 26 | 0% |
| QMQualifyingTotalHousingExpensePITIA | 2 | 26 | 7.69% |
| OriginatorQMStatus | 12 | 26 | 46.15% |
| InitialMonthlyPIOrIOPayment | 1 | 26 | 3.85% |
| B1Citizen | 0 | 26 | 0% |
| PropertyCity | 0 | 26 | 0% |
| B2FirstName | 0 | 26 | 0% |
| B2LastName | 0 | 26 | 0% |
| UnderwritingGuidelineProductName | 0 | 26 | 0% |
| PrimaryAppraisedPropertyValue | 2 | 26 | 7.69% |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XX | XXXX | Application Date | XX | XX | Application date verified by signed 1003 |
| xx | XXXX | Initial Monthly P&I Or IO Payment | 2333.23 | 2322.53 | Verified Closing Disclosure - pg 248 - P&I = $2,333.33 |
| XX | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified ATR/QM Exempt |
| XX | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified ATR/QM Exempt |
| XX | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified ATR/QM Exempt |
| XX | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified ATR/QM Exempt |
| XX | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified ATR/QM Exempt |
| XX | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified ATR/QM Exempt |
| XX | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified ATR/QM Exempt |
| XX | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified ATR/QM Exempt |
| XX | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified ATR/QM Exempt |
| XX | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified ATR/QM Exempt |
| XX | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified ATR/QM Exempt |
| XX | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified ATR/QM Exempt |
| XX | XXXX | QM Qualifying Total Housing Expense PITIA | 2766.75 | 2788.55 | Within tolerance |
| XX | XXXX | QM Qualifying Total Housing Expense PITIA | 2508.88 | 2508.42 | Within tolerance |
| XX | XXXX | Primary Appraised Property Value | XX | XX | Verified per appraisal |
| XX | XXXX | Primary Appraised Property Value | XX | XX | Verified per appraisal |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 3**

![](ex99-8sch3_002.jpg)

Maxwell Diligence Solutions LLC <br> PRPM 2023-NQM1 <br> 1/17/2023

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| XX |  |  | XX-XX-XXXX | $XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xx |  |  | XX-XX-XXXX | $XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xx |  |  | XX-XX-XXXX | $XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xx |  |  | XX-XX-XXXX | $XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| xx |  |  | XX-XX-XXXX | $XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xx |  |  | XX-XX-XXXX | $XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xx |  |  | XX-XX-XXXX | $XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xx |  |  | XX-XX-XXXX | $XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xx |  |  | XX-XX-XXXX | $XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| xx |  |  | XX-XX-XXXX | $XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| xx |  |  | XX-XX-XXXX | $XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xx |  |  | XX-XX-XXXX | $XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| xx |  |  | XX-XX-XXXX | $XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xx |  |  | XX-XX-XXXX | $XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| xx |  |  | XX-XX-XXXX | $XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| xx |  |  | XX-XX-XXXX | $XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| xx |  |  | XX-XX-XXXX | $XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xx |  |  | XX-XX-XXXX | $XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xx |  |  | XX-XX-XXXX | $XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xx |  |  | XX-XX-XXXX | $XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xx |  |  | XX-XX-XXXX | $XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xx |  |  | XX-XX-XXXX | $XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xx |  |  | XX-XX-XXXX | $XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xx |  |  | XX-XX-XXXX | $XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **d** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| XX |  | A | Closed | FPRO8018 | 2022-08-02 13:24 | 2022-08-02 13:24 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/02/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCRE2330 | 2022-08-02 13:15 | 2022-08-02 13:15 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/02/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/02/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCOM7273 | 2022-08-02 09:00 | 2022-08-02 10:55 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FCRE2515 | 2022-08-25 12:46 | 2022-08-29 11:13 | Resolved | 1 - Information C A | Credit | Credit Profile | Credit Profile - Credit History Insufficient | Resolved-Documentation provided was sufficient. - Due Diligence Vendor-08/29/2022 <br>Ready for Review-Document Uploaded. - Seller-08/29/2022 <br>Open-The documented credit history does not meet guidelines. As per guidelines, qualifying foreign credit requires a bank reference letter indicating two years of open activity and current active status which is not provided in file. - Due Diligence Vendor-08/25/2022 | Ready for Review-Document Uploaded. - Seller-08/29/2022<br>| Resolved-Documentation provided was sufficient. - Due Diligence Vendor-08/29/2022<br>|  |  | credit reference letter.pdf | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FCRE7375 | 2022-08-24 10:11 | 2022-08-29 11:12 | Resolved | 1 - Information C A | Credit | Eligibility | Eligibility - Citizenship Requirements | Resolved-Documentation provided was sufficient. - Due Diligence Vendor-08/29/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-08/29/2022 <br>Open-The documented citizenship does not meet guideline requirements. The file is missing the borrower's passport and unexpired visa or I-797 form (Notice of Action) with valid extension dates as required for Foreign National qualification. - Due Diligence Vendor-08/24/2022 | Ready for Review-Document Uploaded. see attached - Seller-08/29/2022<br>| Resolved-Documentation provided was sufficient. - Due Diligence Vendor-08/29/2022<br>|  |  | passport.pdf | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FPRO8018 | 2022-08-23 17:02 | 2022-08-23 17:02 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/23/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/23/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FCOM7273 | 2022-08-23 09:48 | 2022-08-23 11:09 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FPRO8018 | 2022-08-25 09:59 | 2022-08-25 09:59 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/25/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/25/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCRE2330 | 2022-08-25 09:58 | 2022-08-25 09:58 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/25/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/25/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCOM7273 | 2022-08-25 07:56 | 2022-08-25 08:19 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | B A | Closed | FCRE8962 | 2022-08-30 10:47 | 2022-08-31 14:57 | Waived | 2 - Non-Material B | Credit | Assets | Reserves - Insufficient for REO | Waived-The verified reserves are not sufficient to meet guideline requirements for REO properties. Total verified reserves are not sufficient to cover the total reserves required including REO properties per guidelines. Cash-out proceeds not permitted for use as reserves per recent guidelines. Proceeds needed to meet reserve requirements. Formal exception provided in file. - Due Diligence Vendor-08/30/2022 |  | Waived-The verified reserves are not sufficient to meet guideline requirements for REO properties. Total verified reserves are not sufficient to cover the total reserves required including REO properties per guidelines. Cash-out proceeds not permitted for use as reserves per recent guidelines. Proceeds needed to meet reserve requirements. Formal exception provided in file. - Due Diligence Vendor-08/30/2022<br>|  | Experienced investor with 2+ investment properties, No mortgage late payments in last 24 months, No credit events<br> past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| XX |  | B A | Closed | FPRO8018 | 2022-08-29 10:05 | 2022-08-29 10:05 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/29/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/29/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XX |  | B A | Closed | FCOM7273 | 2022-08-29 06:50 | 2022-08-29 07:07 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-08/29/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-08/29/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XX |  | A | Closed | FPRO8018 | 2022-10-10 12:14 | 2022-10-10 12:14 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/10/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/10/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCRE2330 | 2022-10-10 12:11 | 2022-10-10 12:11 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/10/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/10/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCOM7273 | 2022-10-07 13:05 | 2022-10-07 13:05 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/07/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/07/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCRE2330 | 2022-10-19 14:27 | 2022-10-19 14:27 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/19/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/19/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FPRO8018 | 2022-10-18 08:23 | 2022-10-18 08:23 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/18/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCOM7273 | 2022-10-14 15:41 | 2022-10-14 15:41 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/14/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FPRO8018 | 2022-10-21 09:06 | 2022-10-21 09:06 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XX |  | A | Closed | FCRE2330 | 2022-10-21 09:05 | 2022-10-21 09:05 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/21/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XX |  | A | Closed | FCOM7273 | 2022-10-20 14:04 | 2022-10-21 07:48 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/21/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XX |  | A | Closed | FPRO8018 | 2022-10-21 10:52 | 2022-10-21 10:52 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XX |  | A | Closed | FCRE2330 | 2022-10-21 10:50 | 2022-10-21 10:50 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/21/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XX |  | A | Closed | FCOM7273 | 2022-10-20 13:48 | 2022-10-20 14:23 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/20/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/20/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XX |  | C B A | Closed | FCRE2344 | 2022-11-01 13:30 | 2022-11-29 08:50 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/29/2022 <br> Ready for Review-Document Uploaded. - Seller-11/29/2022 <br> Upheld-Finding upheld. Contract addendum is required as loan is outside contractual closing deadline. - Due Diligence Vendor-11/10/2022 <br> Ready for Review-please refer to the email sent that agencies no longer require this. please advise. - Seller-11/09/2022 <br> Upheld-Documentation provided is not sufficient. Contract addendum provided is duplicate of loan documentation that supports sales price. Addendum provided does not address closing date outside of original contract. Extension of closing deadline is needed to match actual closing date of XX/XX/XXXX. - Due Diligence Vendor-11/07/2022 <br> Ready for Review-Document Uploaded. see attached - Seller-11/04/2022 <br> Open-The Purchase Contract Addendum is missing. Purchase contract required closing to be XX/XX/XXXX and allowed for max 7 day extension, however the loan closed XX/XX/XXXX. The file is missing the extension of the contract. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Ready for Review-please refer to the email sent that agencies no longer require this. please advise. - Seller-11/09/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-11/04/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/29/2022<br>|  |  | 1012831_addendum.pdf<br> 1012831 - XXXX contract addendum.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C B A | Closed | FCRE8201 | 2022-11-01 14:17 | 2022-11-02 11:53 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - Guidelines Conformity | Waived-The subject loan does not conform to program guidelines. Subject property is a flipped transaction and not listed on the open market. Formal exception in file. - Due Diligence Vendor-11/01/2022 |  | Waived-The subject loan does not conform to program guidelines. Subject property is a flipped transaction and not listed on the open market. Formal exception in file. - Due Diligence Vendor-11/01/2022<br>|  | 10 years or more in same line of employment, No credit events past 48 months, Credit score >40% than minimum<br> required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes |
| XX |  | C B A | Closed | FPRO8018 | 2022-11-01 13:30 | 2022-11-01 13:30 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/01/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/01/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C B A | Closed | FCOM7273 | 2022-10-27 13:11 | 2022-10-27 13:49 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/27/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/27/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | B A | Closed | FCRE1199 | 2022-11-02 06:36 | 2022-11-02 15:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited loan amount is greater than the guideline Maximum loan amount. Max loan amount is $XXXX. Loan amount is $XXXX. Formal exception provided in file. - Due Diligence Vendor-11/02/2022 |  | Waived-Audited loan amount is greater than the guideline Maximum loan amount. Max loan amount is $XXXX. Loan amount is $XXXX. Formal exception provided in file. - Due Diligence Vendor-11/02/2022 |  | Reserves >6 months, Experienced investor with 2+ investment properties, No consumer late payments in last 48 months, No mortgage late payments in last 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| XX |  | B A | Closed | FPRO8018 | 2022-11-02 09:23 | 2022-11-02 09:23 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/02/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XX |  | B A | Closed | FCOM7273 | 2022-10-31 14:26 | 2022-10-31 15:51 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/31/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/31/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XX |  | A | Closed | FCRE2330 | 2022-11-02 08:34 | 2022-11-02 09:39 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-Credit Findings are present. - Due Diligence Vendor-11/02/2022 |  | Cleared-Credit Findings are present. - Due Diligence Vendor-11/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FPRO8018 | 2022-11-02 08:35 | 2022-11-02 08:35 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | finding-2559 | 2022-10-31 15:31 | 2022-10-31 16:00 | Resolved | 1 - Information A | Compliance | Points & Fees | NY Subprime Home Loan Test | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-10/31/2022 |  | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-10/31/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| XX |  | C B A | Closed | FCRE1326 | 2022-11-11 11:13 | 2022-11-22 11:40 | Resolved | 1 - Information C A | Credit | Income Documentation | Borrower 1 YTD Profit & Loss Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Document Uploaded. Please see the confirmation from underwriter that personal bank statements were used. - Seller-11/18/2022 <br> Upheld-Documentation provided is not sufficient. Per A&D guidelines, personal bank statement used for business purposes (comingled funds) are to be underwritten to business bank statement guidelines with expense factor included. - Due Diligence Vendor-11/17/2022 <br> Ready for Review-Document Uploaded. Income WS in file was done based to Personal Bank statements that's why 100% of deposits was used for income qualification. Income calculations re-uploaded for your reference. Our DTI and LTV figures are accurate. - Seller-11/16/2022 <br> Upheld-Finding upheld. Per Superprime matrix, DTI >50% permitted up to 80% LTV. Subject is 85% LTV. - Due Diligence Vendor-11/15/2022 <br> Ready for Review-Per Matrix max DTI is 55% on owner occupied for super prime product. - Seller-11/14/2022 <br> Upheld-Documentation provided is partially sufficient. CPA expense letter has been provided; however, both borrower and coborrower income have been reduced. Previous total income reviewed was $XXXX with an approved DTI of 49.85%. Revised income after addition of CPA expense factor is $XXXX which is 50.92% DTI. DTI over 50% is not permitted for LTV of 85% per Superprime matrix. - Due Diligence Vendor-11/14/2022 <br> Ready for Review-Document Uploaded. Please review uploaded CPA letter explaining the income and expense percentage. - Seller-11/14/2022 <br> Open-NonQM Loan Eligibility Guidelines state if personal statements are used for business operations and reflect business expenses, such statements will follow business bank statement requirements and expense ratio will be applied. Lender did not use expense ratio of 50%. CPA letter in file does not state expense ratio. Ratios less than 50% require third-party prepared expense Letter or P&L Statement. - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. Please see the confirmation from underwriter that personal bank statements were used. - Seller-11/18/2022 <br>Ready for Review-Document Uploaded. Income WS in file was done based to Personal Bank statements that's why 100% of deposits was used for income qualification. Income calculations re-uploaded for your reference. Our DTI and LTV figures are accurate. - Seller-11/16/2022 <br>Ready for Review-Per Matrix max DTI is 55% on owner occupied for super prime product. - Seller-11/14/2022 <br>Ready for Review-Document Uploaded. Please review uploaded CPA letter explaining the income and expense percentage. - Seller-11/14/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/22/2022<br>|  |  | 1031423_CPA letter.pdf<br>1031423_income WS b2.pdf<br>1031423_explanation from underwriter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| XX |  | C B A | Closed | FCRE1356 | 2022-11-11 11:13 | 2022-11-22 11:40 | Resolved | 1 - Information C A | Credit | Income Documentation | Borrower 2 YTD Profit & Loss Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Document Uploaded. Please review uploaded confirmation from underwriter regard personal - Seller-11/18/2022 <br> Upheld-Documentation provided is not sufficient. Per A&D guidelines, personal bank statement used for business purposes (comingled funds) are to be underwritten to business bank statement guidelines with expense factor included. - Due Diligence Vendor-11/17/2022 <br> Ready for Review-Document Uploaded. Income WS in file was done based to Personal Bank statements that's why 100% of deposits was used for income qualification. Income calculations re-uploaded for your reference. Our DTI and LTV figures are accurate. - Seller-11/16/2022 <br> Upheld-Finding upheld. Per Superprime matrix, DTI >50% permitted up to 80% LTV. Subject is 85% LTV. - Due Diligence Vendor-11/15/2022 <br> Ready for Review-Per Matrix max DTI is 55% on owner occupied for super prime product. - Seller-11/14/2022 <br> Upheld-Documentation provided is partially sufficient. CPA expense letter has been provided; however, both borrower and coborrower income have been reduced. Previous total income reviewed was $XXXX with an approved DTI of 49.85%. Revised income after addition of CPA expense factor is $XXXX which is 50.92% DTI. DTI over 50% is not permitted for LTV of 85% per Superprime matrix. - Due Diligence Vendor-11/14/2022 <br> Ready for Review-Document Uploaded. Please review uploaded CPA letter explaining the income and expense percentage. - Seller-11/14/2022 <br> Open-Borrower 2 YTD Profit & Loss missing.. NonQM Loan Eligibility Guidelines state if personal statements are used for business operations and reflect business expenses, such statements will follow business bank statement requirements and expense ratio will be applied. Lender did not use expense ratio of 50%. CPA letter in file does not state expense ratio. Ratios less than 50% require third-party prepared expense Letter or P&L Statement. - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. Please review uploaded confirmation from underwriter regard personal - Seller-11/18/2022 <br>Ready for Review-Document Uploaded. Income WS in file was done based to Personal Bank statements that's why 100% of deposits was used for income qualification. Income calculations re-uploaded for your reference. Our DTI and LTV figures are accurate. - Seller-11/16/2022 <br>Ready for Review-Per Matrix max DTI is 55% on owner occupied for super prime product. - Seller-11/14/2022 <br>Ready for Review-Document Uploaded. Please review uploaded CPA letter explaining the income and expense percentage. - Seller-11/14/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/22/2022<br>|  |  | 1031423_cpa letter for co-borrower.pdf<br>1031423_income b1.pdf<br>1031423_explanation from underwriter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| XX |  | C B A | Closed | FCRE2244 | 2022-11-10 15:19 | 2022-11-17 10:13 | Waived | 2 - Non-Material C B | Credit | Credit Profile | Credit Profile - Inquiries | Waived-Lender exception provided. - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. Please review uploaded exception form - Seller-11/17/2022 <br>Upheld-Finding upheld. There are 9 credit inquiries present within 90 days of Note date. - Due Diligence Vendor-11/15/2022 <br>Ready for Review-The credit inquiry you refer is more than 90days,we do not nsed an explanation. - Seller-11/14/2022 <br>Open-A detailed explanation letter that specifically addresses both the purpose and outcome of each inquiry in the last 90 days is required when such inquiry did not result in new debt. The file is missing a letter of explanation for the credit inquires for the last 90 days per the guidelines. - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. Please review uploaded exception form - Seller-11/17/2022 <br>Ready for Review-The credit inquiry you refer is more than 90days,we do not nsed an explanation. - Seller-11/14/2022<br>| Waived-Lender exception provided. - Due Diligence Vendor-11/17/2022<br>|  | 5+years on current job; 10+ years same line of employment; Stable monthly income; Experienced REO investors. | 1031423_exception - signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes |
| XX |  | C B A | Closed | FCRE1441 | 2022-11-10 14:11 | 2022-11-15 09:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Lender exception provided. - Due Diligence Vendor-11/15/2022 <br> Ready for Review-Document Uploaded. Please review uploaded exception form. - Seller-11/14/2022 <br> Open-Delinquent Credit History does not meet guideline requirements. Per Non-QM Loan Eligibility Guidelines section 6.5.10, Super Prime loans with collections and charge-offs exceeding allowable balances, accounts must be paid in full. Credit report has Charge-off with AcceptanceNow with balance of $XXXX which exceeds max allowed. No documentation provided delinquent credit account has been paid is provided or is exempt medical collection. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. Please review uploaded exception form. - Seller-11/14/2022<br>| Waived-Lender exception provided. - Due Diligence Vendor-11/15/2022<br>|  | Borrower has 5yrs on current job with over 10yrs same line of employment; Stable monthly income; REO experience. | 1031423_exception - signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes |
| XX |  | C B A | Closed | FPRO8018 | 2022-11-10 15:19 | 2022-11-10 15:19 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| XX |  | C B A | Closed | FCOM7273 | 2022-11-09 12:27 | 2022-11-09 15:06 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/09/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/09/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FPRO8018 | 2022-11-10 15:57 | 2022-11-10 15:57 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCRE2330 | 2022-11-10 15:56 | 2022-11-10 15:56 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/10/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCOM7273 | 2022-11-09 10:57 | 2022-11-09 11:35 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/09/2022 |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | D A | Closed | FCRE2344 | 2022-11-11 07:29 | 2022-11-16 09:45 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/16/2022 <br> Ready for Review-Document Uploaded. Purchase Contract Addendum uploaded. Please, review it. - Seller-11/16/2022 <br> Upheld-Finding upheld. Effective date of XX/XX/XXXX as quoted is not effective date, but stated date of closing per contract. Effective date of contract is XX/XX/XXXX. Or, if interpreted as 30 days of approval date XX/XX/XXXX, then contract expiration would be XX/XX/XXXX. Closing occurred after either potential effective date and extension is needed. - Due Diligence Vendor-11/14/2022 <br> Ready for Review-Document Uploaded. The Financing Chapter in Purchase Contract (file Complete Credit pkg 1, page 208) states that Contract is effective within 30 days after Effective day, Effective day is XX/XX/XXXX. So, we are within compliance. - Seller-11/14/2022 <br> Open-The Purchase Contract Addendum is missing. Purchase Contract closing date expires on XX/XX/XXXX and loan disbursement date is XX/XX/XXXX. Contract addendum extending closing date is needed, or verification of buyer-paid damages per contract is needed. - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. Purchase Contract Addendum uploaded. Please, review it. - Seller-11/16/2022 <br> Ready for Review-Document Uploaded. The Financing Chapter in Purchase Contract (file Complete Credit pkg 1, page 208) states that Contract is effective within 30 days after Effective day, Effective day is XX/XX/XXXX. So, we are within compliance. - Seller-11/14/2022 | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/16/2022<br>|  |  | image.png<br>1013919_Addendum.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| XX |  | D A | Closed | FCRE5770 | 2022-11-09 06:41 | 2022-11-16 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. Credit report uploaded. Please, review it. - Seller-11/16/2022 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-11/09/2022 | Ready for Review-Document Uploaded. Credit report uploaded. Please, review it. - Seller-11/16/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/16/2022<br>|  |  | 1013919_Credit Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| XX |  | D A | Closed | FPRO8018 | 2022-11-10 16:20 | 2022-11-10 16:20 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| XX |  | D A | Closed | FCOM7273 | 2022-11-09 08:42 | 2022-11-09 09:12 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/09/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/09/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| XX |  | C B A | Closed | FCRE8201 | 2022-11-16 14:43 | 2022-12-05 10:38 | Waived | 2 - Non-Material C B | Credit | Program Parameters | Program Parameters - Guidelines Conformity | Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. Please review uploaded exception. - Seller-12/05/2022 <br>Upheld-Finding upheld. Lender exception needed as second home occupancy requirements are not met. - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Purchase contract in file was approved and signed as it is.<br> We can't do any changes to the contract now. Please clear the finding. - Seller-11/29/2022 <br>Upheld-Finding upheld. Property purchased as second home but is subject to lease-in-place. Terms of tenant occupancy are needed to confirm borrower taking 100% possession within 60 days of Note date. Without validation, second home occupancy cannot be confirmed and transaction considered investment property. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Property has been initially an investment as you can see during the inspection appraisal states it's tenant occupied that's why box 6b. is checked, but we do not have any lease or contract confirming property is being occupied by seller or his tenants.<br> OCCUPANCY AND POSSESSION:<br> 61<br> (a) Unless Paragraph 6(b) is checked, Seller shall, at Closing, deliver occupancy and possession of the Property<br> to Buyer free of tenants, occupants and future tenancies. Also, at Closing, Seller shall have removed all<br> personal items and trash from the Property and shall deliver all keys, garage door openers, access devices and<br> codes, as applicable, to Buyer. If occupancy is to be delivered before Closing, Buyer assumes all risks of loss<br> to the Property from date of occupancy, shall be responsible and liable for maintenance from that date, and<br> shall have accepted the Property in its existing condition as of time of taking occupancy, see Rider T PRE-<br> CLOSING OCCUPANCY BY BUYER.<br> 62<br> 63<br> 64<br> 65<br> 66<br> 67<br> (b) CHECK IF PROPERTY IS SUBJECT TO LEASE(S) OR OCCUPANCY AFTER CLOSING. If Property is<br> subject to a lease(s) or any occupancy agreements (including seasonal and short-term vacation rentals) after<br> Closing or is intended to be rented or occupied by third parties beyond Closing, the facts and terms thereof<br> shall be disclosed in writing by Seller to Buyer and copies of the written lease(s) shall be delivered to Buyer, all<br> within 5 days after Effective Date. If Buyer determines, in Buyer's sole discretion, that the lease(s) or terms of<br> occupancy are not acceptable to Buyer, Buyer may terminate this Contract by delivery of written notice of such<br> election to Seller within 5 days after receipt of the above items from Seller, and Buyer shall be refunded the<br> Deposit thereby releasing Buyer and Seller from all further obligations under this Contract. Estoppel Letter(s)<br> and Seller's affidavit shall be provided pursuant to STANDARD D, except that tenant Estoppel Letters shall not<br> be required on seasonal or short-term vacation rentals. If Property is intended to be occupied by Seller after<br> Closing, see Rider U POST-CLOSING OCCUPANCY BY SELLER.<br> 68\*<br> 69<br> 70<br> 71 - Seller-11/23/2022 <br>Upheld-Document Uploaded. Finding upheld. Purchase contract indicates property subject to lease or occupancy. Terms of holdover occupancy are not provided for review to determine eligibility. - Due Diligence Vendor-11/22/2022 <br>Ready for Review-The condo questionnaire on file confirms the subject property is not subject to any condotel/timeshare/segmented ownership agreements.<br> Condo questionnaire 7.Does the project have characteristics such as condo hotel or motel, timeshare, segmented ownership, mandatory fees for the use of recreational ammenties? -"NO" box was checked. - Seller-11/22/2022 <br>Upheld-Finding upheld. As a second home purchase, borrower shall have exclusive right to occupy property. Rental arrangements indicate non-owner occupancy or investment purpose which is not permitted for second home occupancy type. - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Subject property is second home for borrower , borrower has the control over property since he is the owner of property and he decides when to leave there. - Seller-11/18/2022 <br>Open-The subject loan does not conform to program guidelines. Per the contract, the property is subject to lease or occupancy after closing. Please provide documentation to support it meets guidelines that the borrower must have exclusive control over the property, and the property must not be subject to any timeshare arrangements, rental pools or other agreements which required the borrower to rent the subject property or otherwise give control to a management firm. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Please review uploaded exception. - Seller-12/05/2022 <br>Ready for Review-Purchase contract in file was approved and signed as it is.<br> We can't do any changes to the contract now. Please clear the finding. - Seller-11/29/2022 <br>Ready for Review-Property has been initially an investment as you can see during the inspection appraisal states it's tenant occupied that's why box 6b. is checked, but we do not have any lease or contract confirming property is being occupied by seller or his tenants.<br> OCCUPANCY AND POSSESSION:<br> 61<br> (a) Unless Paragraph 6(b) is checked, Seller shall, at Closing, deliver occupancy and possession of the Property<br> to Buyer free of tenants, occupants and future tenancies. Also, at Closing, Seller shall have removed all<br> personal items and trash from the Property and shall deliver all keys, garage door openers, access devices and<br> codes, as applicable, to Buyer. If occupancy is to be delivered before Closing, Buyer assumes all risks of loss<br> to the Property from date of occupancy, shall be responsible and liable for maintenance from that date, and<br> shall have accepted the Property in its existing condition as of time of taking occupancy, see Rider T PRE-<br> CLOSING OCCUPANCY BY BUYER.<br> 62<br> 63<br> 64<br> 65<br> 66<br> 67<br> (b) CHECK IF PROPERTY IS SUBJECT TO LEASE(S) OR OCCUPANCY AFTER CLOSING. If Property is<br> subject to a lease(s) or any occupancy agreements (including seasonal and short-term vacation rentals) after<br> Closing or is intended to be rented or occupied by third parties beyond Closing, the facts and terms thereof<br> shall be disclosed in writing by Seller to Buyer and copies of the written lease(s) shall be delivered to Buyer, all<br> within 5 days after Effective Date. If Buyer determines, in Buyer's sole discretion, that the lease(s) or terms of<br> occupancy are not acceptable to Buyer, Buyer may terminate this Contract by delivery of written notice of such<br> election to Seller within 5 days after receipt of the above items from Seller, and Buyer shall be refunded the<br> Deposit thereby releasing Buyer and Seller from all further obligations under this Contract. Estoppel Letter(s)<br> and Seller's affidavit shall be provided pursuant to STANDARD D, except that tenant Estoppel Letters shall not<br> be required on seasonal or short-term vacation rentals. If Property is intended to be occupied by Seller after<br> Closing, see Rider U POST-CLOSING OCCUPANCY BY SELLER.<br> 68\*<br> 69<br> 70<br> 71 - Seller-11/23/2022 <br>Ready for Review-The condo questionnaire on file confirms the subject property is not subject to any condotel/timeshare/segmented ownership agreements.<br> Condo questionnaire 7.Does the project have characteristics such as condo hotel or motel, timeshare, segmented ownership, mandatory fees for the use of recreational ammenties? -"NO" box was checked. - Seller-11/22/2022 <br>Ready for Review-Subject property is second home for borrower , borrower has the control over property since he is the owner of property and he decides when to leave there. - Seller-11/18/2022<br>| Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-12/05/2022<br>|  |  | XX.png<br> 1007231_exception form - signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Second Home | Purchase | NA | Originator Post-Close | Yes |
| XX |  | C B A | Closed | FCRE2304 | 2022-11-17 14:29 | 2022-11-28 14:56 | Resolved | 1 - Information C A | Credit | Gift Letter | Gift Letter - No Evidence for Transfer of Funds | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. Please review uploaded PCCD with LOx to borrower. - Seller-11/23/2022 <br> Upheld-Documentation provided is not sufficient. Gift funds paid to title but is not disclosed on Closing Disclosure. Updated PCCD is needed reflecting receipt of $XXXX gift. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Document Uploaded. Please review uploaded gift letter with copy of deposit check. - Seller-11/18/2022 <br> Open-No evidence of the transfer of gift funds from the donor to the borrower was located in the file. The final CD is missing disclosure of the $XXXX Gift Funds. PCCD is needed that discloses this borrower credit in Section L - Paid Already by or on Behalf of Borrower at Closing. - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. Please review uploaded PCCD with LOx to borrower. - Seller-11/23/2022 <br>Ready for Review-Document Uploaded. Please review uploaded gift letter with copy of deposit check. - Seller-11/18/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/28/2022<br>|  |  | 1007231_gift 37K.pdf<br>1007231_gift letter.pdf<br>1007231_pccd with LOX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Second Home | Purchase | NA | N/A | N/A |
| XX |  | C B A | Closed | FCRE2344 | 2022-11-16 14:30 | 2022-11-21 09:19 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Document Uploaded. Purchase Contract Addendum uploaded. Please, review it. - Seller-11/21/2022 <br> Open-The Purchase Contract Addendum is missing. The closing date per the contract was to be XX/XX/XXXX, with ability to extend 7 days, however the loan did not close until XX/XX/XXXX. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Purchase Contract Addendum uploaded. Please, review it. - Seller-11/21/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022<br>|  |  | 1007231_Addendum - Extension 09.21.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Second Home | Purchase | NA | N/A | N/A |
| XX |  | C B A | Closed | FCOM7273 | 2022-11-14 13:14 | 2022-11-17 14:29 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/14/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Second Home | Purchase | NA | N/A | N/A |
| XX |  | C B A | Closed | FPRO8018 | 2022-11-16 14:22 | 2022-11-16 14:22 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/16/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/16/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | XX | Second Home | Purchase | NA | N/A | N/A |
| XX |  | C B A | Closed | FCRE2344 | 2022-11-18 14:43 | 2022-11-28 14:43 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. Addendum provided - Seller-11/25/2022 <br> Open-The Purchase Contract Addendum is missing. The purchase contract reflected the closing date of XX/XX/XXXX with a 7 day possible extension. The loan did not close until XX/XX/XXXX. Contract addendum extending closing date is needed. - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. Addendum provided - Seller-11/25/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/28/2022<br>|  |  | 1008364_Purchase Contract Addendum.pdf | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C B A | Closed | FCRE8201 | 2022-11-18 14:49 | 2022-11-21 12:33 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - Guidelines Conformity | Waived-The subject loan does not conform to program guidelines. Foreign national guidelines require a bank reference letter supporting that the borrower has an account that has been in good standing for at least 2 years. The letter in file provided supports a history of less than 2 years. Formal exception in file. - Due Diligence Vendor-11/21/2022 |  | Waived-The subject loan does not conform to program guidelines. Foreign national guidelines require a bank reference letter supporting that the borrower has an account that has been in good standing for at least 2 years. The letter in file provided supports a history of less than 2 years. Formal exception in file. - Due Diligence Vendor-11/21/2022<br>|  | Experienced investor with 2+ investment properties, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, 0.5 in price, DSCR must be>=1 |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| XX |  | C B A | Closed | FPRO8018 | 2022-11-18 14:43 | 2022-11-18 14:43 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/18/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/18/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C B A | Closed | FCOM7273 | 2022-11-16 15:20 | 2022-11-17 09:06 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/17/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/17/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FCRE2244 | 2022-11-21 10:22 | 2022-11-29 08:56 | Resolved | 1 - Information C A | Credit | Credit Profile | Credit Profile - Inquiries | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/29/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/29/2022 <br>Open-The credit report shows recent inquires that have not been adequately addressed. Per guidelines a detailed explanation letter that specifically addresses both the purpose and outcome of each inquiry in the last 90 days is required when such inquiry did not result in new debt. The file is missing a letter of explanation for the credit inquirers for the last 90 days per the guidelines. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/29/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/29/2022<br>|  |  | Credit LOX Completed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FCRE4104 | 2022-11-21 10:22 | 2022-11-28 13:40 | Resolved | 1 - Information C A | Credit | Assets | Assets - Large Deposits | Resolved-Documentation and lender explanation is sufficient. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. Please see attached explanation from underwriting - Seller-11/23/2022 <br> Open-The loan file does not contain all required asset documentation. Asset statements in file verified a large deposit which did not contain the required explanation and supporting source documentation. Missing documentation on the source of funds from wire-in deposit on XX/XX/XXXX into business checking #XXXXXX in the amount of $XXXXX. These funds are needed to source cash-to-close. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. Please see attached explanation from underwriting - Seller-11/23/2022<br>| Resolved-Documentation and lender explanation is sufficient. - Due Diligence Vendor-11/28/2022<br>|  |  | LOX from UW.pdf | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FCRE2344 | 2022-11-21 10:22 | 2022-11-28 13:39 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. Addendum to Purchase contract uploaded - Seller-11/28/2022 <br> Open-The Purchase Contract Addendum is missing. Offer to purchase indicates the closing date is to be XX/XX/XXXX and an executed addendum an $XXXX seller credit if the buyer delivered deposits as reflected in page one of the contract and closed on or before XX/XX/XXXX. Loan closed XX/XX/XXXX. Missing addendum extending closing date to XX/XX/XXXX and confirming the seller would still credit buyer $XXXX to close by XX/XX/XXXX. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. Addendum to Purchase contract uploaded - Seller-11/28/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/28/2022<br>|  |  | Addendum to Purchase contract.pdf | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FPRO8018 | 2022-11-21 10:22 | 2022-11-21 10:22 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FCOM7273 | 2022-11-16 14:38 | 2022-11-17 08:51 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/17/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/17/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCRE2330 | 2022-11-29 12:10 | 2022-11-29 12:10 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/29/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/29/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FPRO8018 | 2022-11-29 12:08 | 2022-11-29 12:08 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/29/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/29/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCOM7273 | 2022-11-21 16:27 | 2022-11-21 16:27 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/21/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FCRE2244 | 2022-11-29 14:13 | 2022-12-11 18:24 | Resolved | 1 - Information C A | Credit | Credit Profile | Credit Profile - Inquiries | Resolved-Document Uploaded. Documentation provided is sufficient. - Due Diligence Vendor-12/12/2022 <br>Open-The credit report shows recent inquires that have not been adequately addressed. A detailed explanation letter that specifically addresses both the purpose and outcome of each inquiry in the last 90 days is required when such inquiry did not result in new debt. The file is missing a letter of explanation for the last 90 days. - Due Diligence Vendor-11/29/2022 |  | Resolved-Document Uploaded. Documentation provided is sufficient. - Due Diligence Vendor-12/12/2022<br>|  |  | 1027955_crdit inquiry lox from borrower.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FPRO8018 | 2022-11-29 14:14 | 2022-11-29 14:14 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/29/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FCOM7273 | 2022-11-28 15:43 | 2022-11-28 17:40 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/29/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCRE2330 | 2022-12-02 14:57 | 2022-12-05 08:07 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-Credit Findings are present. - Due Diligence Vendor-12/02/2022 |  | Cleared-Credit Findings are present. - Due Diligence Vendor-12/02/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XX |  | A | Closed | FPRO8018 | 2022-12-02 14:57 | 2022-12-02 14:57 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XX |  | A | Closed | FCOM7273 | 2022-12-01 10:03 | 2022-12-01 12:44 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/01/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/01/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XX |  | A | Closed | FCRE2330 | 2022-12-02 10:34 | 2022-12-02 10:34 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/02/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/02/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FPRO8018 | 2022-12-02 10:23 | 2022-12-02 10:23 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCOM7273 | 2022-12-01 12:28 | 2022-12-01 13:07 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/01/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/01/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FCRE1201 | 2022-12-16 07:12 | 2022-12-21 11:21 | Resolved | 1 - Information C A | Credit | Fraud Report | Third Party Fraud Report not Provided | Resolved-Finding resolved. No UDN repot for Foreign National loan. Lender verification of Florida licensing requirement provided. - Due Diligence Vendor-12/21/2022 <br>Upheld-Documentation provided is not sufficient. Fraud report uploaded; however, critical risk findings for financing and loan participants have not been addressed. Additional documentation needed to show alerts are cleared. - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-12/20/2022 <br>Open-Missing third party fraud report. - Due Diligence Vendor-12/16/2022 | Ready for Review-Document Uploaded. see attached - Seller-12/20/2022<br>| Resolved-Finding resolved. No UDN repot for Foreign National loan. Lender verification of Florida licensing requirement provided. - Due Diligence Vendor-12/21/2022<br>|  |  | XX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FCRE6843 | 2022-12-19 12:17 | 2022-12-21 09:10 | Resolved | 1 - Information C A | Credit | Assets | Assets - Miscellaneous | Resolved-Documentation is sufficient. Currency conversion provided. - Due Diligence Vendor-12/21/2022 <br> Ready for Review-Document Uploaded. We have translated copy for XX account. For XX – it is in English only & doesn't require translation. - Seller-12/20/2022 <br> Open-The loan file does not contain all required asset documentation. The asset documentation was not fully translated. Please provide US currency exchange for all account balances used to qualify. - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. We have translated copy for XX account. For XX – it is in English only & doesn't require translation. - Seller-12/20/2022 | Resolved-Documentation is sufficient. Currency conversion provided. - Due Diligence Vendor-12/21/2022<br>|  |  | assets from OC.pdf | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FPRO8018 | 2022-12-19 12:14 | 2022-12-19 12:14 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/19/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/19/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | C A | Closed | FCOM7273 | 2022-12-16 09:24 | 2022-12-16 09:24 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FPRO8018 | 2022-12-19 09:26 | 2022-12-19 09:26 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/19/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/19/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCRE2330 | 2022-12-19 09:26 | 2022-12-19 09:26 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/19/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/19/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCOM7273 | 2022-12-16 12:06 | 2022-12-16 12:06 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCRE2330 | 2022-12-19 13:54 | 2022-12-19 13:54 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/19/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/19/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FPRO8018 | 2022-12-19 11:36 | 2022-12-19 11:36 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/19/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/19/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| XX |  | A | Closed | FCOM7273 | 2022-12-16 11:37 | 2022-12-16 11:37 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | $XXXX | XX | Investment | Purchase | NA | N/A | N/A |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| XX | | | $XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | | | $XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | | | $XXXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | | | $XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | | | $XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | | | $XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XX | | | $XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XX | | | $XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 579780 | 1 of 3 | 2022-08-02 15:00 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-08-02 16:55 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 580485 | 2 of 3 | 2022-08-02 19:15 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-08-02 19:15 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 580542 | 3 of 3 | 2022-08-02 19:24 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-08-02 19:24 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 617261 | 1 of 4 | 2022-08-23 15:48 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-08-23 17:09 | Cleared | 1 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 618664 | 2 of 4 | 2022-08-23 23:02 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-08-23 23:02 | Cleared | 1 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 619589 | 3 of 4 | 2022-08-24 16:11 | Credit | Eligibility - Citizenship Requirements | The documented citizenship does not meet guideline requirements. The file is missing the borrower's passport and unexpired visa or I-797 form (Notice of Action) with valid extension dates as required for Foreign National qualification. <br>|  | Document Uploaded. see attached - 08/29/2022<br>| Documentation provided was sufficient. - 08/29/2022<br>|  | 2022-08-29 17:12 | Resolved | 3 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 622269 | 4 of 4 | 2022-08-25 18:46 | Credit | Credit Profile - Credit History Insufficient | The documented credit history does not meet guidelines. As per guidelines, qualifying foreign credit requires a bank reference letter indicating two years of open activity and current active status which is not provided in file. <br>|  | Document Uploaded. - 08/29/2022<br>| Documentation provided was sufficient. - 08/29/2022<br>|  | 2022-08-29 17:13 | Resolved | 3 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 621233 | 1 of 3 | 2022-08-25 13:56 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-08-25 14:19 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 621708 | 2 of 3 | 2022-08-25 15:58 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-08-25 15:58 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 621711 | 3 of 3 | 2022-08-25 15:59 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-08-25 15:59 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 624976 | 1 of 3 | 2022-08-29 12:50 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-08-29 13:07 | Cleared | 1 | 1 | 2 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 625568 | 2 of 3 | 2022-08-29 16:05 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-08-29 16:05 | Cleared | 1 | 1 | 2 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 627760 | 3 of 3 | 2022-08-30 16:47 | Credit | Reserves - Insufficient for REO | The verified reserves are not sufficient to meet guideline requirements for REO properties. Total verified reserves are not sufficient to cover the total reserves required including REO properties per guidelines. Cash-out proceeds not permitted for use as reserves per recent guidelines. Proceeds needed to meet reserve requirements. Formal exception provided in file. <br>|  |  |  | Experienced investor with 2+ investment properties, No mortgage late payments in last 24 months, No credit events<br> past 48 months | 2022-08-31 20:57 | Waived | 2 | 2 | 2 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 684376 | 1 of 3 | 2022-10-07 19:05 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-10-07 19:05 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 686082 | 2 of 3 | 2022-10-10 18:11 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-10-10 18:11 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 686096 | 3 of 3 | 2022-10-10 18:14 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-10-10 18:14 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 694391 | 1 of 3 | 2022-10-14 21:41 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-10-14 21:41 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 697344 | 2 of 3 | 2022-10-18 14:23 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-10-18 14:23 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 699570 | 3 of 3 | 2022-10-19 20:27 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-10-19 20:27 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 701541 | 1 of 3 | 2022-10-20 20:04 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-10-21 13:48 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 702681 | 2 of 3 | 2022-10-21 15:05 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-10-21 15:05 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 702692 | 3 of 3 | 2022-10-21 15:06 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-10-21 15:06 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 701515 | 1 of 3 | 2022-10-20 19:48 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-10-20 20:23 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 703174 | 2 of 3 | 2022-10-21 16:50 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-10-21 16:50 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 703180 | 3 of 3 | 2022-10-21 16:52 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-10-21 16:52 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 712136 | 1 of 4 | 2022-10-27 19:11 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-10-27 19:49 | Cleared | 1 | 1 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 718694 | 2 of 4 | 2022-11-01 19:30 | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Purchase contract required closing to be XX/XX/XXXX and allowed for max 7 day extension, however the loan closed XX/XX/XXXX. The file is missing the extension of the contract. <br>|  | Document Uploaded. - 11/29/2022 <br>please refer to the email sent that agencies no longer require this. please advise. - 11/09/2022 <br>Document Uploaded. see attached - 11/04/2022<br>| Documentation provided is sufficient. - 11/29/2022<br> Finding upheld. Contract addendum is required as loan is outside contractual closing deadline. - 11/10/2022<br> Documentation provided is not sufficient. Contract addendum provided is duplicate of loan documentation that supports sales price. Addendum provided does not address closing date outside of original contract. Extension of closing deadline is needed to match actual closing date of 10/XX/2022. - 11/07/2022 |  | 2022-11-29 15:50 | Resolved | 3 | 1 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 718695 | 3 of 4 | 2022-11-01 19:30 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-11-01 19:30 | Cleared | 1 | 1 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 718790 | 4 of 4 | 2022-11-01 20:17 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Subject property is a flipped transaction and not listed on the open market. Formal exception in file. <br>|  |  |  | 10 years or more in same line of employment, No credit events past 48 months, Credit score >40% than minimum<br> required | 2022-11-02 17:53 | Waived | 2 | 2 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 716847 | 1 of 3 | 2022-10-31 20:26 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-10-31 21:51 | Cleared | 1 | 1 | 2 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 719625 | 2 of 3 | 2022-11-02 12:36 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited loan amount is greater than the guideline Maximum loan amount. Max loan amount is $XXXX. Loan amount is $XXXX. Formal exception provided in file. <br>|  |  |  | Reserves >6 months, Experienced investor with 2+ investment properties, No consumer late payments in last 48 months, No mortgage late payments in last 24 months | 2022-11-02 21:10 | Waived | 2 | 2 | 2 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 720218 | 3 of 3 | 2022-11-02 15:23 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-11-02 15:23 | Cleared | 1 | 1 | 2 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 717017 | 1 of 3 | 2022-10-31 21:31 | Compliance | NY Subprime Home Loan Test | This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. <br>|  |  |  |  | 2022-10-31 22:00 | Resolved | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 719945 | 2 of 3 | 2022-11-02 14:34 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-11-02 15:39 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 719950 | 3 of 3 | 2022-11-02 14:35 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-11-02 14:35 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 731319 | 1 of 6 | 2022-11-09 19:27 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-11-09 22:06 | Cleared | 1 | 1 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 733280 | 2 of 6 | 2022-11-10 21:11 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History does not meet guideline requirements. Per Non-QM Loan Eligibility Guidelines section 6.5.10, Super Prime loans with collections and charge-offs exceeding allowable balances, accounts must be paid in full. Credit report has Charge-off with AcceptanceNow with balance of $XXXX which exceeds max allowed. No documentation provided delinquent credit account has been paid is provided or is exempt medical collection. <br>|  | Document Uploaded. Please review uploaded exception form. - 11/14/2022<br>| Lender exception provided. - 11/15/2022<br>| Borrower has 5yrs on current job with over 10yrs same line of employment; Stable monthly income; REO experience. | 2022-11-15 16:17 | Waived | 3 | 2 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 733410 | 3 of 6 | 2022-11-10 22:19 | Credit | Credit Profile - Inquiries | The credit report shows recent inquires that have not been adequately addressed. A detailed explanation letter that specifically addresses both the purpose and outcome of each inquiry in the last 90 days is required when such inquiry did not result in new debt. The file is missing a letter of explanation for the credit inquires for the last 90 days per the guidelines. <br>|  | Document Uploaded. Please review uploaded exception form - 11/17/2022 <br>The credit inquiry you refer is more than 90days,we do not nsed an explanation. - 11/14/2022<br>| Lender exception provided. - 11/17/2022<br>Finding upheld. There are 9 credit inquiries present within 90 days of Note date. - 11/15/2022<br>| 5+years on current job; 10+ years same line of employment; Stable monthly income; Experienced REO investors. | 2022-11-17 17:13 | Waived | 3 | 2 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 733411 | 4 of 6 | 2022-11-10 22:19 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-11-10 22:19 | Cleared | 1 | 1 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 734147 | 5 of 6 | 2022-11-11 18:13 | Credit | Borrower 1 YTD Profit & Loss Missing | Borrower 1 YTD Profit & Loss missing. NonQM Loan Eligibility Guidelines state if personal statements are used for business operations and reflect business expenses, such statements will follow business bank statement requirements and expense ratio will be applied. Lender did not use expense ratio of 50%. CPA letter in file does not state expense ratio. Ratios less than 50% require third-party prepared expense Letter or P&L Statement. <br>|  | Document Uploaded. Please see the confirmation from underwriter that personal bank statements were used. - 11/18/2022 <br>Document Uploaded. Income WS in file was done based to Personal Bank statements that's why 100% of deposits was used for income qualification. Income calculations re-uploaded for your reference. Our DTI and LTV figures are accurate. - 11/16/2022 <br>Per Matrix max DTI is 55% on owner occupied for super prime product. - 11/14/2022 <br>Document Uploaded. Please review uploaded CPA letter explaining the income and expense percentage. - 11/14/2022<br>| Documentation provided is sufficient. - 11/22/2022<br> Documentation provided is not sufficient. Per A&D guidelines, personal bank statement used for business purposes (comingled funds) are to be underwritten to business bank statement guidelines with expense factor included. - 11/17/2022<br> Finding upheld. Per Superprime matrix, DTI >50% permitted up to 80% LTV. Subject is 85% LTV. - 11/15/2022<br> Documentation provided is partially sufficient. CPA expense letter has been provided; however, both borrower and coborrower income have been reduced. Previous total income reviewed was $XXXX with an approved DTI of 49.85%. Revised income after addition of CPA expense factor is $XXXX which is 50.92% DTI. DTI over 50% is not permitted for LTV of 85% per Superprime matrix. - 11/14/2022 |  | 2022-11-22 18:40 | Resolved | 3 | 1 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 734148 | 6 of 6 | 2022-11-11 18:13 | Credit | Borrower 2 YTD Profit & Loss Missing | Borrower 2 YTD Profit & Loss missing. NonQM Loan Eligibility Guidelines state if personal statements are used for business operations and reflect business expenses, such statements will follow business bank statement requirements and expense ratio will be applied. Lender did not use expense ratio of 50%. CPA letter in file does not state expense ratio. Ratios less than 50% require third-party prepared expense Letter or P&L Statement. <br>|  | Document Uploaded. Please review uploaded confirmation from underwriter regard personal - 11/18/2022 <br>Document Uploaded. Income WS in file was done based to Personal Bank statements that's why 100% of deposits was used for income qualification. Income calculations re-uploaded for your reference. Our DTI and LTV figures are accurate. - 11/16/2022 <br>Per Matrix max DTI is 55% on owner occupied for super prime product. - 11/14/2022 <br>Document Uploaded. Please review uploaded CPA letter explaining the income and expense percentage. - 11/14/2022<br>| Documentation provided is sufficient. - 11/22/2022<br>Documentation provided is not sufficient. Per A&D guidelines, personal bank statement used for business purposes (comingled funds) are to be underwritten to business bank statement guidelines with expense factor included. - 11/17/2022<br>Finding upheld. Per Superprime matrix, DTI >50% permitted up to 80% LTV. Subject is 85% LTV. - 11/15/2022<br>Documentation provided is partially sufficient. CPA expense letter has been provided; however, both borrower and coborrower income have been reduced. Previous total income reviewed was $35,789.17 with an approved DTI of 49.85%. Revised income after addition of CPA expense factor is $35,043.26 which is 50.92% DTI. DTI over 50% is not permitted for LTV of 85% per Superprime matrix. - 11/14/2022<br>|  | 2022-11-22 18:40 | Resolved | 3 | 1 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 731102 | 1 of 3 | 2022-11-09 17:57 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-11-09 18:35 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 733469 | 2 of 3 | 2022-11-10 22:56 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-11-10 22:56 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 733470 | 3 of 3 | 2022-11-10 22:57 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-11-10 22:57 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 730366 | 1 of 4 | 2022-11-09 13:41 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. <br>|  | Document Uploaded. Credit report uploaded. Please, review it. - 11/16/2022<br>| Documentation provided is sufficient. - 11/16/2022<br>|  | 2022-11-16 16:44 | Resolved | 4 | 1 | 4 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 730690 | 2 of 4 | 2022-11-09 15:42 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-11-09 16:12 | Cleared | 1 | 1 | 4 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 733502 | 3 of 4 | 2022-11-10 23:20 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-11-10 23:20 | Cleared | 1 | 1 | 4 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 733668 | 4 of 4 | 2022-11-11 14:29 | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Purchase Contract closing date expires on XX/XX/XXXX and loan disbursement date is XX/XX/XXXX. Contract addendum extending closing date is needed, or verification of buyer-paid damages per contract is needed. <br>|  | Document Uploaded. Purchase Contract Addendum uploaded. Please, review it. - 11/16/2022 <br> Document Uploaded. The Financing Chapter in Purchase Contract (file Complete Credit pkg 1, page 208) states that Contract is effective within 30 days after Effective day, Effective day is XX/XX. So, we are within compliance. - 11/14/2022 | Documentation provided is sufficient. - 11/16/2022<br> Finding upheld. Effective date of XX/XX/XXXX as quoted is not effective date, but stated date of closing per contract. Effective date of contract is XX/XX/XXXX. Or, if interpreted as 30 days of approval date XX/XX/XXXX, then contract expiration would be XX/XX/XXXX. Closing occurred after either potential effective date and extension is needed. - 11/14/2022 |  | 2022-11-16 16:45 | Resolved | 3 | 1 | 4 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 735625 | 1 of 5 | 2022-11-14 20:14 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-11-17 21:29 | Cleared | 1 | 1 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 738828 | 2 of 5 | 2022-11-16 21:22 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-11-16 21:22 | Cleared | 1 | 1 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 738844 | 3 of 5 | 2022-11-16 21:30 | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. The closing date per the contract was to be XX/XX/XXXX, with ability to extend 7 days, however the loan did not close until XX/XX/XXXX. <br>|  | Document Uploaded. Purchase Contract Addendum uploaded. Please, review it. - 11/21/2022<br>| Documentation provided is sufficient. - 11/21/2022<br>|  | 2022-11-21 16:19 | Resolved | 3 | 1 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 738875 | 4 of 5 | 2022-11-16 21:43 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per the contract, the property is subject to lease or occupancy after closing. Please provide documentation to support it meets guidelines that the borrower must have exclusive control over the property, and the property must not be subject to any timeshare arrangements, rental pools or other agreements which required the borrower to rent the subject property or otherwise give control to a management firm. <br>|  | Document Uploaded. Please review uploaded exception. - 12/05/2022 <br> Purchase contract in file was approved and signed as it is.<br> We can't do any changes to the contract now. Please clear the finding. - 11/29/2022 <br> Property has been initially an investment as you can see during the inspection appraisal states it's tenant occupied that's why box 6b. is checked, but we do not have any lease or contract confirming property is being occupied by seller or his tenants.<br> OCCUPANCY AND POSSESSION:<br> 61<br> (a) Unless Paragraph 6(b) is checked, Seller shall, at Closing, deliver occupancy and possession of the Property<br> to Buyer free of tenants, occupants and future tenancies. Also, at Closing, Seller shall have removed all<br> personal items and trash from the Property and shall deliver all keys, garage door openers, access devices and<br> codes, as applicable, to Buyer. If occupancy is to be delivered before Closing, Buyer assumes all risks of loss<br> to the Property from date of occupancy, shall be responsible and liable for maintenance from that date, and<br> shall have accepted the Property in its existing condition as of time of taking occupancy, see Rider T PRE-<br> CLOSING OCCUPANCY BY BUYER.<br> 62<br> 63<br> 64<br> 65<br> 66<br> 67<br> (b) CHECK IF PROPERTY IS SUBJECT TO LEASE(S) OR OCCUPANCY AFTER CLOSING. If Property is<br> subject to a lease(s) or any occupancy agreements (including seasonal and short-term vacation rentals) after<br> Closing or is intended to be rented or occupied by third parties beyond Closing, the facts and terms thereof<br> shall be disclosed in writing by Seller to Buyer and copies of the written lease(s) shall be delivered to Buyer, all<br> within 5 days after Effective Date. If Buyer determines, in Buyer's sole discretion, that the lease(s) or terms of<br> occupancy are not acceptable to Buyer, Buyer may terminate this Contract by delivery of written notice of such<br> election to Seller within 5 days after receipt of the above items from Seller, and Buyer shall be refunded the<br> Deposit thereby releasing Buyer and Seller from all further obligations under this Contract. Estoppel Letter(s)<br> and Seller's affidavit shall be provided pursuant to STANDARD D, except that tenant Estoppel Letters shall not<br> be required on seasonal or short-term vacation rentals. If Property is intended to be occupied by Seller after<br> Closing, see Rider U POST-CLOSING OCCUPANCY BY SELLER.<br> 68\*<br> 69<br> 70<br> 71 - 11/23/2022 <br> The condo questionnaire on file confirms the subject property is not subject to any condotel/timeshare/segmented ownership agreements.<br> Condo questionnaire 7.Does the project have characteristics such as condo hotel or motel, timeshare, segmented ownership, mandatory fees for the use of recreational ammenties? -"NO" box was checked. - 11/22/2022 <br> Subject property is second home for borrower , borrower has the control over property since he is the owner of property and he decides when to leave there. - 11/18/2022 | Finding waived. Lender exception provided. - 12/05/2022<br>Finding upheld. Lender exception needed as second home occupancy requirements are not met. - 12/01/2022<br>Finding upheld. Property purchased as second home but is subject to lease-in-place. Terms of tenant occupancy are needed to confirm borrower taking 100% possession within 60 days of Note date. Without validation, second home occupancy cannot be confirmed and transaction considered investment property. - 11/28/2022<br>Document Uploaded. Finding upheld. Purchase contract indicates property subject to lease or occupancy. Terms of holdover occupancy are not provided for review to determine eligibility. - 11/22/2022<br>Finding upheld. As a second home purchase, borrower shall have exclusive right to occupy property. Rental arrangements indicate non-owner occupancy or investment purpose which is not permitted for second home occupancy type. - 11/21/2022<br>|  | 2022-12-05 17:38 | Waived | 3 | 2 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 740321 | 5 of 5 | 2022-11-17 21:29 | Credit | Gift Letter - No Evidence for Transfer of Funds | No evidence of the transfer of gift funds from the donor to the borrower was located in the file. The final CD is missing disclosure of the $XXXX Gift Funds. PCCD is needed that discloses this borrower credit in Section L - Paid Already by or on Behalf of Borrower at Closing. <br>|  | Document Uploaded. Please review uploaded PCCD with LOx to borrower. - 11/23/2022 <br>Document Uploaded. Please review uploaded gift letter with copy of deposit check. - 11/18/2022<br>| Documentation provided is sufficient. - 11/28/2022<br> Documentation provided is not sufficient. Gift funds paid to title but is not disclosed on Closing Disclosure. Updated PCCD is needed reflecting receipt of $XXXX gift. - 11/21/2022 |  | 2022-11-28 21:56 | Resolved | 3 | 1 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 738948 | 1 of 4 | 2022-11-16 22:20 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-11-17 16:06 | Cleared | 1 | 1 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 741742 | 2 of 4 | 2022-11-18 21:43 | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. The purchase contract reflected the closing date of XX/XX/XXXX with a 7 day possible extension. The loan did not close until XX/XX/XXXX. Contract addendum extending closing date is needed. <br>|  | Document Uploaded. Addendum provided - 11/25/2022<br>| Documentation provided is sufficient. - 11/28/2022<br>|  | 2022-11-28 21:43 | Resolved | 3 | 1 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 741743 | 3 of 4 | 2022-11-18 21:43 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-11-18 21:43 | Cleared | 1 | 1 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 741747 | 4 of 4 | 2022-11-18 21:49 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Foreign national guidelines require a bank reference letter supporting that the borrower has an account that has been in good standing for at least 2 years. The letter in file provided supports a history of less than 2 years. Formal exception in file. <br>|  |  |  | Experienced investor with 2+ investment properties, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, 0.5 in price, DSCR must be>=1 | 2022-11-21 19:33 | Waived | 2 | 2 | 3 | 2 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 738865 | 1 of 5 | 2022-11-16 21:38 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-11-17 15:51 | Cleared | 1 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 742961 | 2 of 5 | 2022-11-21 17:22 | Credit | Assets - Large Deposits | The loan file does not contain all required asset documentation. Asset statements in file verified a large deposit which when removed from assets results in a shortage and the loan file does not contain sufficient documentation to source the deposit. Missing documentation on the source of funds from wire-in deposit on XX/XX/XXXX into business checking #XXXXXX in the amount of $XXXX. These funds are needed to source cash-to-close. <br>|  | Document Uploaded. Please see attached explanation from underwriting - 11/23/2022<br>| Documentation and lender explanation is sufficient. - 11/28/2022<br>|  | 2022-11-28 20:40 | Resolved | 3 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 742962 | 3 of 5 | 2022-11-21 17:22 | Credit | Credit Profile - Inquiries | The credit report shows recent inquires that have not been adequately addressed. Per guidelines a detailed explanation letter that specifically addresses both the purpose and outcome of each inquiry in the last 90 days is required when such inquiry did not result in new debt. The file is missing a letter of explanation for the credit inquirers for the last 90 days per the guidelines. <br>|  | Document Uploaded. Please see attached - 11/29/2022<br>| Documentation provided is sufficient. - 11/29/2022<br>|  | 2022-11-29 15:56 | Resolved | 3 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 742963 | 4 of 5 | 2022-11-21 17:22 | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Offer to purchase indicates the closing date is to be XX/XX/XXXX and an executed addendum an $XXXX seller credit if the buyer delivered deposits as reflected in page one of the contract and closed on or before XX/XX/XXXX. Loan closed XX/XX/XXXX. Missing addendum extending closing date to XX/XX/XXXX and confirming the seller would still credit buyer $XXXX to close by XX/XX/XXXX. <br>|  | Document Uploaded. Addendum to Purchase contract uploaded - 11/28/2022<br>| Documentation provided is sufficient. - 11/28/2022<br>|  | 2022-11-28 20:39 | Resolved | 3 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 742969 | 5 of 5 | 2022-11-21 17:22 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-11-21 17:22 | Cleared | 1 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 743975 | 1 of 3 | 2022-11-21 23:27 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-11-21 23:27 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 750568 | 2 of 3 | 2022-11-29 19:08 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-11-29 19:08 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 750573 | 3 of 3 | 2022-11-29 19:10 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-11-29 19:10 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 749246 | 1 of 3 | 2022-11-28 22:43 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-11-29 00:40 | Cleared | 1 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 750806 | 2 of 3 | 2022-11-29 21:13 | Credit | Credit Profile - Inquiries | The credit report shows recent inquires that have not been adequately addressed. A detailed explanation letter that specifically addresses both the purpose and outcome of each inquiry in the last 90 days is required when such inquiry did not result in new debt. The file is missing a letter of explanation for the last 90 days. <br>|  | Document uploaded. - 12/12/2022 <br>| Document Uploaded. Documentation provided is sufficient. - 12/12/2022<br>|  | 2022-12-12 01:24 | Resolved | 3 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 750808 | 3 of 3 | 2022-11-29 21:14 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-11-29 21:14 | Cleared | 1 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 753687 | 1 of 3 | 2022-12-01 17:03 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-12-01 19:44 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 756052 | 2 of 3 | 2022-12-02 21:57 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-12-05 15:07 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 756053 | 3 of 3 | 2022-12-02 21:57 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-12-02 21:57 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 754083 | 1 of 3 | 2022-12-01 19:28 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-12-01 20:07 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 755515 | 2 of 3 | 2022-12-02 17:23 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-12-02 17:23 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 755551 | 3 of 3 | 2022-12-02 17:34 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-12-02 17:34 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 779689 | 1 of 4 | 2022-12-16 14:12 | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. <br>|  | Document Uploaded. see attached - 12/20/2022<br>| Finding resolved. No UDN repot for Foreign National loan. Lender verification of Florida licensing requirement provided. - 12/21/2022<br>Documentation provided is not sufficient. Fraud report uploaded; however, critical risk findings for financing and loan participants have not been addressed. Additional documentation needed to show alerts are cleared. - 12/21/2022<br>|  | 2022-12-21 18:21 | Resolved | 3 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 780056 | 2 of 4 | 2022-12-16 16:24 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-12-16 16:24 | Cleared | 1 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 783032 | 3 of 4 | 2022-12-19 19:14 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-12-19 19:14 | Cleared | 1 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 783051 | 4 of 4 | 2022-12-19 19:17 | Credit | Assets - Miscellaneous | The loan file does not contain all required asset documentation. The asset documentation was not fully translated. Please provide US currency exchange for all account balances used to qualify. <br>|  | Document Uploaded. We have translated copy for XX account. For XX – it is in English only & doesn't require translation. - 12/20/2022 | Documentation is sufficient. Currency conversion provided. - 12/21/2022<br>|  | 2022-12-21 16:10 | Resolved | 3 | 1 | 3 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 780414 | 1 of 3 | 2022-12-16 19:06 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-12-16 19:06 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 782438 | 2 of 3 | 2022-12-19 16:26 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-12-19 16:26 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 782441 | 3 of 3 | 2022-12-19 16:26 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-12-19 16:26 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 780341 | 1 of 3 | 2022-12-16 18:37 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-12-16 18:37 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 782943 | 2 of 3 | 2022-12-19 18:36 | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2022-12-19 18:36 | Cleared | 1 | 1 | 1 | 1 |
| XX |  |  | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 783343 | 3 of 3 | 2022-12-19 20:54 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-12-19 20:54 | Cleared | 1 | 1 | 1 | 1 |

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## Exhibit 99.8

**Exhibit 99.8 Schedule 7**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Borrower Name** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk<br>Score**  | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 07/12/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 07-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 08-02-2022 |  |  |  |  |  | XX | XX | -.027 | 84 | 0.16 | Collateral Analytics | 08-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX |  | XX | XX | 07-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 07-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 09-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX |  | XX | XX | 09-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .000 | Pro Teck Valuation Intelligence | Reasonable | 09-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX |  | XX | XX | 10-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 10-03-2022 |  |  |  |  |  | XX | XX | .032 | 96 | 0.04 |  | 10-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX |  | XX | XX | 10-07-2022 | XX | XX | .032 | 09-23-2022 | 1025 Small Residential Income Report | XX | XX | .015 | 88 | 0.12 |  | 10-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 07-21-2022 |  |  |  |  |  | XX | XX | -.063 | 92 | 0.08 |  | 09-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 10-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 10-10-2022 |  |  |  |  |  | XX | XX | -.050 | 94 | 0.06 |  | 10-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 09-13-2022 |  |  |  |  |  | XX | XX | .027 | 96 | 0.04 |  | 10-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 08-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 08-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 10-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .000 | Pro Teck | Reasonable | 11-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 10-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 11-10-2022 | XX | XX | .054 | 11-03-2022 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX |  | XX | XX | 11-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 11-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 03-17-2022 |  |  |  |  |  | XX | XX | -.010 | 95 | 0.05 |  | 04-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 05-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XX |  | XXXX |  | XX-XX-XXXX | XXXX | XX | XX | XX | 04-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |

---

## Exhibit 99.9

**Exhibit 99.9**

![](ex99-9_001.jpg)

**PRP 2023-NQM1**

**Due Diligence Review**

**Narrative Summary**

**January 25, 2023**

**Prepared by**

**Mission Global, LLC**

For

 **PRP-LB 2023-NQM1, LLC**

This report summarizes the results of a due diligence review performed on a pool of one hundred eleven (111) loans provided by three different lenders on behalf of PRP Advisors LLC, and one of its affiliates, PRP-LB 2023-NQM1, LLC, ("Client") who provided Mission Global, LLC ("Mission") with a data tape, from which 100% of the loan sample was selected and loan data was entered into and analyzed using the ***Mission Global Grade*** ***<sup>®</sup>*** Underwriting and Diligence grading solution. Mission performed a detailed credit re-underwrite and regulatory compliance review of 100% loans.

Mission Global is a technology-forward service provider built on a culture of deep client service. Mission is a rating agency approved Third Party Review firm delivering underwriting and compliance audits for residential and business purpose loans. Since 1994, Mission Global and its predecessor company, Global Financial Review have provided comprehensive loan due diligence, re-underwriting, and asset management services to clients in the financial services industry. In 2015, Global Financial Review merged with the leading Secondary market consulting firm Mission Capital Advisors, LLC to form Mission Global, LLC. In 2020, Mission Capital Advisors, LLC and Mission Global, LLC were acquired by the leading real estate sales, financing and advisory service firm and now a wholly-owned subsidiary of Marcus & Millichap (NYSE:MMI).

Mission performed a full credit re-underwrite, regulatory compliance, valuation and data integrity review to meet the criteria as published by the Nationally Recognized Statistical Rating Organizations. This deal is to be rated in accordance with the published guidelines of ***S&P Global Ratings, Inc.*** and ***DBRS, Inc.*** Mission performed the review beginning on December 1, 2021 and completed the review on December 31, 2022.

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| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **1** |

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All 111 of the loans reviewed are considered Non-QM qualified, non-conventional or commonly referred to as non-agency residential mortgage loans. The loan pool is a mix of loans secured as either primary residence, secondary residences or investment purpose loans secured by residential single family or one-to-four family multi-family condominiums or PUD as collateral.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1. File RE-Underwrite Credit Review**

There were three different lenders originating these loans, A&D Mortgage, LLC, Athas Capital Group, Inc. and Finance America Mortgage, LLC. A full re-underwriting credit review was conducted to verify that the requisite underwriting guidelines as specified by each Client were met. Confirmation of the loan terms was conducted through recalculation and review of documentation contained in the loan files and documents provided to Mission.

The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.2 Guidelines and Overlays**

Mission reviewed each loan each mortgage loan to ensure it met the requisite guideline requirements as specified by the Client guidelines. In lieu of specific requirements, Mission also considered Regulation Z requirements including Appendix Q where applicable.

For A&D Mortgage, LLC in addition to the guidelines there were five unique overlays for each type of loan program reviewed:

⮚ A&D Prime Rate - Primary & Investment

⮚ A&D Super Prime Rate - Primary & Investment

⮚ A&D Prime Jumbo Full Doc Rate - Primary & Investment

⮚ DSCR Rate - Investment Only

⮚ Foreign National Rate - Investment Only

For Athas Capital Group, Inc. in addition to the guidelines there were three unique overlays for each type of loan program reviewed:

⮚ Athas Consumer Purpose Express

⮚ Athas Business Purpose DSCR Rate - Investment Only

⮚ Athas Business Purpose No DSCR Rate - Investment Only

For Finance America Mortgage, LLC in addition to the guidelines there were three unique overlays for each type of loan program reviewed:

⮚ Finance America Express

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These guideline overlays provided additional specific qualification requirements and program specific metric such as min and max loan amounts, cash out refinance limits, ranges of values for acceptance, geographic eligibility, escrow requirements, note, rate and term specific details, qualifying property types, residency requirements, limits on seller and third-party contributions, valuation and title requirements The guidelines and overlays also specified borrower requirements such as credit tradeline and credit event requirements, income and asset qualifications, and citizenship requirements.

Two of the loans from Finance America Mortgage, LLC were cross-collateralized residential rental properties consisting of 1) single family residences, condominiums, townhomes or one-to-four unit multi-family properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.2 Employment and Income**

For the portion of the loans that were DSCR qualified borrower income was not a factor, instead rental income was used to validate debt service coverage ratios. For the A&D Mortgage and Athas loans these were non-QM qualified loans with a variety of ways that Borrower income could be verified including stated and verified business Profit and Loss statement, 12/24 month bank statement verification, tax return and WVOE verification of employment, along with traditional full documentation including w-2, paystubs and other employment documentation. In the case of investment purpose loans, rental property income was both estimated or stated, and/or verified through leases and rent rolls. Mission verified the file documentation for minimum required level of employment and income verifications in accordance with Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.3 Income**

Mission recalculates borrower(s) monthly gross income and verified calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines. The Underwriter used the lower of income stated on 1003 Application or stated/verified income. In all cases, Mission verified stated/verified income in accordance with Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.4 Assets**

Mission confirmed the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity. Mission verified the file documentation for minimum required level of asset verification in accordance with Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.5 Debt-to-Income Ratio**

On all investment loans DTI ratios were not a factor. On all primary or secondary residential loans, Mission recalculated and verified the debt- to-income ratio used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and requirements. On investment loans if full property debt and income was available Mission calculated a property income-based DTI verification.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.6 Debt Service Coverage Ratio**

On all investment related loans that were qualified under the various DSCR Rate programs, Mission recalculated and verified the Debt Service Coverage Ratio used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and requirements. Rental income used in the calculation for each loan was either verified from an in-place lease and verification of payment or based upon projected market rents taken from the 1007 in the subject property appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.7 Property Valuation**

Mission analyzed all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Mission verified the valuation waterfall in each case to determine if based upon UCDP CU credit scores whether a Desk review or a second appraisal was required and to verify all valuation documentation met the requirements of Client provided underwriting guidelines.

As noted earlier two of the loans were cross collateralized by multiple properties in each loan. Mission analyzed all appraisals for each individual property provided by Originator. In each case the LTV was calculated using the total of each properties individual value.

In all cases, the primary values were supported by secondary valuation tools including either an AVM, BPO, 2<sup>nd</sup> Appraisal, Appraisal Desk Review or a secondary Drive-By appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.8 Loan-to-Value Ratio**

Mission recalculated and verified the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and met Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.9 Credit History**

Mission reviewed the initial credit reports used at origination and captured updated gap report values to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.10** **Credit Scores**

Mission captured FICO scores from credit reports used at origination and any updated gap report values to validate that borrower(s) met minimum credit score requirements of the Client provided underwriting guidelines.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.11 Compensating Factors**

Mission reviewed all provided guideline exceptions and verified exceptions to the Client provided underwriting guidelines were documented and that compensating factors were reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Document Review**

Mission's review each loan file confirmed the presence of material documentation as applicable to the specifics of the loan transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.1 Title Commitment and Policy**

Mission verified the presence of at a minimum the initial title commitment or final title policy. Mission confirmed the vested parties and the description of the property, liens and tax assessments. Given the recent origination of many of the loans contained only an initial title commitment. Comments on loans where the final title policy was still pending were noted in the resolution of each loan in the grading findings.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.2 Mortgage Note & Security Instrument**

Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement were present and duly executed. Mission confirmed that Mortgage note was either fixed or adjustable according to requirements of the Client provided underwriting guidelines and captured relevant Note data specific to each loan.

There were eighteen loans that contained note modifications or extensions. Mission verified all changes to terms and maturity dates for each of these loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.3 Mortgage & Deed of Trust**

Mission verified the presence of a copy Mortgage or Deed of Trust and confirmed that the documents were executed by all required parties and that all riders, addendums and exhibits as required exist in the loan file. Mission also verified that the Mortgage was recorded or sent for recording. Given the recent origination of many of the loans contained only an executed Mortgage not a recorded document. Comments on loans where recorded Mortgage was still pending were noted in the resolution of each loan in the grading findings.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.4 Income Documentation**

Mission verified the presence of income and employment related documentation as required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.5 Asset Documentation**

Mission verified the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.6 Proof of Insurance**

Mission verified the presence of insurance policies and certificates for mortgage, hazard and flood insurance on each loan depending upon the specifics of the loan. Mission confirmed that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3. Regulatory Compliance**

For each primary or secondary home mortgage loan file Mission conducted a post-closing regulatory compliance review to verify that each loan was originated in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan. Mission further validated that the loans met the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending, as was applicable depending upon the specifics of the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.1 Federal Truth in Lending Act/Regulation Z**

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 *I* §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3 day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.2 Business Days as Defined by Regulation Z**

General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.3 Home Ownership Equity Protection Act (HOEPA) testing, to include:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.3.1** APR test [HOEPA (§1026.32(a)(l))]
and [HPML(§1026.35(a)(l))]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.3.2** Points and Fees test [HOEPA
(§1026.32(a)(2))]

Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.3.3** Review and confirm documentation
type (i.e. full, stated, no ratio)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.3.4** Review for evidence of prepayment
penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.3.5** Verification of Debt-to-Income
conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Mission system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement that was verified for all covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4. RESPA/Regulation X**

Each investment purpose loan was reviewed by Mission to ensure compliance with the most current amendments to Regulation X. The RESPA/Regulation X review consisted of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.1 Good Faith Estimate (GFE)**

Mission confirmed compliance with current RESPA requirements in effect at origination of the Mortgage Loan including confirming the presence of the current GFE form in effect at the time of origination and verification the GFE was provided to the borrower(s) within three days of "Application".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.2 Application Date**

Application was defined by Regulation X and generally considered complete when the creditor collected information regarding the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower(s)
 First and Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower(s)
 Social Security Number (to enable the loan originator to obtain a credit report)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 Loan Amount Sought

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Estimation
 of Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Monthly
 Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.3 Broker Fees and Yield Spread**

Mission verified that all Broker fees, including Yield Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.4 GFE Fees**

Fees were reviewed to ensure they are reasonable and customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location on the document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.5 Change of Circumstance (COC)**

Mission reviewed all available documentation to determine whether a Change of Circumstance (COC) form was required to accompany each revised Good Faith Estimate (GFE).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.6 Change of Circumstance Definition:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.1** Acts
of God, war, disaster or other emergencies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.2** Information
in particular to borrower or transaction that was relied on in providing the GFE and that changes or is found to be inaccurate after
GFE has been provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.3** New information
particular to the borrower or transaction that was not relied on in providing the GFE; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.4** Other
circumstances that are particular to borrower or transaction, including boundary disputes, need for flood insurance
or environmental problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.5** In
the event any of the above occurs, the loan originator is required to provide a new revised GFE to the borrower within three business days of receiving information sufficient to establish "changed circumstances" and document the
reason the revised GFE was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.6** Rate
Locks: If the rate has not been locked by the borrower or a locked rate has expired, the charge or credit for rate chosen, adjusted
origination charges, per diem interest and loan terms related to the rate may change. If borrower later locks the rate, a new GFE must
be provided showing the revised rate-dependent charges and terms. All other charges and terms must remain the same as on the original GFE,
except as otherwise provided above for "changed circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.7 Final HUD-1**

Mission confirmed compliance with current RESPA requirements in effect at origination of the Mortgage Loan including the presence of the current applicable Final HUD-1 form and that the Final HUD-1 accurately lists all broker and YSP fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.8 Good Faith Estimate (GFE) and Final HUD-1 Analysis**

Mission confirmed compliance with current RESPA requirements in effect at origination of the Mortgage Loan.

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This analysis included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.7** Analysis of Origination fees disclosed on the Good Faith
Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Origination
 Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
 or Charge for Interest Rate Chosen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Adjusted
 Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Transfer
 Taxes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.8** Analysis of Third-Party fees disclosed on the Good Faith
Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges
at settlement for sum of following services:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lender-required
 settlement services (lender selects third-party provider);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lender-required
 services, title services and required title insurance, and owner's title insurance, when
 the borrower uses a settlement service provider identified by the loan originator; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Government
 recording charges. Analysis to confirm all fees are accurately reflected in the correct tolerance
 category on the Good Faith Estimate (GFE) and Final HUD-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.9** Analysis to confirm lender accurately provided borrower
adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.10** Analysis to confirm loan terms are accurately disclosed between
the Good Faith Estimate(GFE) and Final HUD-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.11** Analysis to confirm page 3 of the HUD-1 accurately reflects
fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5. QM/ATR (Qualified Mortgage and Ability to Repay) Dodd Frank Review (Loans with Application Date on or after 01/10/2014)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.1 Ability-to-Repay:**

The loans reviewed in this pool were all non-QM loans at origination so were not subject to QM Points and fees testing, except for one loan which was qualified as QM: Average Prime Offer Rate (APOR). On this loan specifically, Mission did verify that underwriter confirmed ATR's eight verification steps for any origination. Mission verified documentation sufficient to run ATR checks on all loans to meet ATR requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
 and assets

▪ Current
 employment status

▪ Monthly
 qualifying mortgage payment for the proposed loan

▪ Monthly
 qualifying mortgage payment for the simultaneous loan on the same property payments for taxes,
 insurance and HOA, and other housing expenses

▪ Debts,
 alimony and child support

▪ Qualifying
 monthly DTI

▪ Residual
 income

▪ Credit
 history

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.2 Verification of ATR.**

All the verifications were made and each of the eight topic areas were confirmed to agree with the representations made by the lender, and there were no credit exceptions to the lender's guidelines, the loan passed the ATR test. If any of the conditions fail or the loan lacked sufficient documentation to support the stated values in any of the areas, affected items will not be considered verified and the loan was failed for the ATR test. In all cases the loans reviewed by Mission in this pool were reported as ATR-Pass, and ATR-Exempt.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.3 Qualified Mortgage.**

Only one loan in the pool was qualified under the QM: Average Prime Offer Rate (APOR). The remainder of the loans contained in this pool were non-Qualified Mortgages and therefore classified as Non-QM in the reports. The following was verified as well:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.3.1** Mission verified the were no Negative Amortization
and no interest only payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.3.2** Mission verified there were
no loan terms that exceeded 30 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.3.3** Mission verified these were non-QM loans and therefore
exempt from QM Points and Fees testing. However, were specific state requirement exist, Mission identified these loans with a Finding
of Informational only.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.4 QM DTI Testing.**

The one QM loan in the pool was qualified under the new QM: Average Prime Offer Rate (APOR) rules which do not consider DTI. The debt-to-income threshold of 43.00% applies only to any QM loan originated prior to the new rules. Mission verified these were non-QM loans and therefore exempt from QM DTI testing. However, Mission did calculate DTI and verify to comply with the Client provided underwriting guideline requirements. Mission verified amounts included in the QM debt-to-income test-verified income and assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support and open debts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.5 HPML Testing- QM APR.**

Mission verified these were non-QM loans and therefore exempt from HPML Testing- QM APR testing.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.6 Escrow Requirement – High Cost.**

Mission verified the required escrow accounts to be in place for the first five years of the transaction.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6. TILA/RESPA Integrated Disclosures**

Mission used following criteria was used in determining whether TRID applies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.2 Application Date**

The Application Date is October 3, 2015, or later (the earlier of the date the broker or lender received the borrower's application).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.3 Purpose and Property Type**

For those loans where the Purpose and Property Type included a closed-end mortgage secured by real estate and primary purpose was to occupy or hold as a second home (Purchase or Refinance).

The loan Purpose and Property Type does not include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Home
 Equity Lines of Credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reverse
 mortgages

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Dwellings
 that are not attached to real property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mobile
 homes, where the consumer does not own the land

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.4 TILA Exemption**

Mission applied the standard exemptions from TILA, i.e., business purposes loans, loans for agricultural purposes and loans secured by five (5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.5 TRID Loan Estimate ("LE")**

Mission verified of compliance with timing requirements as to whether the Initial LE was delivered within three (3) business days from the Application Date. The Initial LE shall use the delivery date to calculate the earliest closing Consummation Date (no less than seven (7) business days from the delivery of the Initial LE). The delivery date is the date the creditor hand delivers the disclosures or places the disclosures in the mail, 1026.19(e)(l).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.6 Revised LE's**

Mission verified any revision to the Initial LE and validated that the Revised LE was provided within three (3) days of COC, BRC or interest rate lock. Mission validated as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
 Circumstance affecting settlement charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Change
 Circumstance affecting eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Revisions
 requested by the consumer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Interest
 rate dependent charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Expiration
 of the LE and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Delayed
 settlement date on a construction loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirement for LE seven days prior to consummation

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Mission also validated that settlement charges good through date, time and time zone were properly disclosed with minimum of ten (10) days during which borrower is permitted to shop knowing fees are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.7 Determination of Final LE**

Mission analyzed each LE in file to determine final Binding LE. If there is a change in loan terms, change in interest rate or increase in charges subject to variances without valid reason for a Revised LE as set forth above, findings were cited. If the Revised LE was issued without a valid reason, the previous valid LE was considered the Binding LE for the purposes of comparison with the Closing Disclosure. Mission verified compliance with timing requirements to ensure there were no loan estimates provided to the borrower after a Closing Disclosure had been delivered, and whether the Final LE was provided at least four (4) business days prior to the closing Consummation Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.8 LE Confirmation of Receipt**

If the LE did not contain a signature line for the consumer's confirmation of receipt, then Mission verified electronic delivery of documents provided to borrower.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9 Closing Disclosures**

Mission analyzed each Closing Disclosure in the file all sections of Closing Disclosures were completed (no blanks, ''NA's" or incomplete sections) and the Disclosure is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.1** Mission verified that the correct form is used and General loan information and loan terms sections
were completed, and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.2** Verified the loan term, purpose, and product descriptions follow the prescribed
format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.3** Verified all applicants applying for credit, as disclosed on the application,
are listed on the CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.4** Verified critical section such as "Can this amount increase after closing?"
and "Does the loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.5** If rate was locked, Mission verified lock expiration date, time and time
zone was disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.6** Validated projected Payments and Estimated Taxes, Insurance & Assessments sections were complete and accurate based on the loan terms and information known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.7** Verified the Closing Costs and Cash-to-Close sections were complete and
accurate based on the information provided on page 2 of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.8** Verified fees disclosed properly (alphabetical order within Section with
certain exceptions, and all title fees start with "Title - ") were accurate in the Closing Cost Details section.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.9** Validated when Interest Only Payments, Optional Payments, Step Payments,
or Seasonal Payments, is Adjustable Payment ("AP") Table were disclosed and accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.10** Validated
 when ARM or Step Rate, that Adjustable Interest Rate ("AIR") Table was properly
 disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.11** Verified
 the Comparison section is complete.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.12** Validated
 that all Rounding rules were verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.13** Validated
 the Other Considerations Section was complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.10 Written List of Providers**

Mission verified that if the lender placed fees in the Services You Can Shop For category, that the file properly contained a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must have included at least one available provider for each service and state the consumer may choose a different provider for that service. If a WLSP was not provided, the fees will be treated as a 10% Tolerance fee and a finding for missing service provider list will be noted. If a WLSP is provided outside of three (3) days of the application date, the fees will be treated as a 10% Tolerance fee and a finding for a service provider list being provided outside of three (3) days from application will be noted.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11 Variance Testing**

Mission deploys in its testing one or the other of the following Variance Categories in performing variance tests:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.1** **Zero Tolerance Variance-** A finding will be cited if
any charges increase from the Binding LE to the Final CD without COC or BRC.

Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fees
 paid to the lender, broker or an affiliate of either lender or broker [except fees paid to
 an affiliate of the lender for services NOT required by the creditor are not subject to tolerance/variance
 per CFR 1026.19(e)(3)(iii)(E)];

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fees
 paid to an unaffiliated third party if the lender did not permit the borrower to shop for
 servicer; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Transfer
 taxes.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lender
 Credits

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.2** **10% Tolerance Variance-** A finding will be cited if
the aggregate of the charges increased by more than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service is listed
on the LE but not charged/reflected on the Final CD, the fee will be removed and not considered in calculating the 10% variance threshold
pursuant to CFR 19(e)(3)(ii)-5.

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Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Recording
 fees; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Charges
 for third party services not paid to creditor or affiliate AND borrower permitted to shop
 for service but selects a provider on the creditor's Written List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.3** Prepaid mortgage insurance will be treated as a 10% tolerance
fee if it can be shopped for (and not identified as an affiliate), otherwise it will be treated as a Zero Tolerance fee.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.4** No Tolerance/Unlimited - No finding will be cited if any
of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably
known to the creditor at the time of disclosure (disclosed in good faith), such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prepaid interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Impounds/Escrows;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Charges
for services required by the creditor but the borrower is permitted to shop for and borrower selects a third party provider not on the
lender's Written Service Provider List; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Charges for third party services
not required by the creditor (even if paid to an affiliate of the creditor).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.5** Prepaid property taxes charged by local and state governments
periodically will have no tolerance under the general 'best information reasonably available' standard unless otherwise instructed by
the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.6** As noted above, Mission reviewed the loan file for evidence
the disclosure was not made in "Good Faith". "Good faith" means the creditor made the estimate based on the information
reasonably available to them at the time the LE was provided. Absent such evidence, Mission will consider the disclosures made in "good
faith".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.7** Additionally, if a documented valid COC or BRC occurred resulting
in a change to loan terms, settlement charges or interest rate within four (4) business days of consummation, the variance test will
be performed based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs after the initial CD has been
provided) provided that the change is related to the COC or BRC per Comment 19(e)(4)(ii)-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.8** For loans with no Interim LE and no COC or BRC occurring
four (4) days prior to consummation, fees and charges on the CD were tested for compliance with permitted variances against fees disclosed
on Initial LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.9** For loans with an Interim LE, the review of each Interim
LE and fees and charges on the CD were tested for compliance with variance thresholds against fees supported by a valid COC or BRC related
to the charge that increases.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.10** In those cases where an Interim LE was issued with several fee increases,
but only some are supported by or related to a valid COC or BRC, those fees which are not supported by or related to a valid COC, BRC
or disclosed on an LE that was not provided timely (within three (3) business days of changed circumstance) were tested for variance using
the amounts disclosed in the Initial LE previously valid LE.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12 TRID Review - Closing Disclosures ("CD")**

Mission conducted a full Closing Disclosure review and verified the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.1** That the correct form was used and all sections of the CD were completed
(no blanks or incomplete sections).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.2** Acknowledgement of receipt, either by signature or evidence of electronic
delivery by all borrowers with a right to rescind under 1026.23 by verifying that each borrower with a right to rescind was provided with
a copy of the CD. This could include the non-borrowing spouse. Acknowledgement is based on either signature, evidence of electronic delivery
or by apply the common mail rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.3** If a subsequent CD was issued with changes to (a) the loan product which
affects disclosed terms and loan information; (b) the addition of a prepayment penalty; or (c) an APR which exceeds the previously disclosed
APR by more than the permitted tolerances for accuracy, Mission validated that the borrower was given an additional three (3)-business
day waiting period from the date of final pre-close CD with (a) the final loan product; (b) the prepayment penalty addition; or (c) the
APR, and that the final pre-close CD has been received by borrower by consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.4** On the final CD the following
checks and limitations apply:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.5** Verification of the technical formatting of the CD is out of scope in the
standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.6** Closing, Transaction and Loan Information sections have been completed with
accurate information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.7** Loan terms sections are completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.8** Mission will verify loan term, purpose, and product descriptions follow
the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.9** Mission will verify all applicants applying for credit, as disclosed on
the application, are listed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.10** "Can this mount increase after closing?" and "Does the loan
have these features" sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.11** Projected Payments and Estimated Taxes, Insurance & Assessments sections
are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.12** Fees have been disclosed properly (alphabetically, correct buckets and all
title fees start with "Title - ") in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.13** Any additional fees for sections other than Section C (Services You Can
Shop For).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.14** Calculating Cash to Close table
completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.15** Summaries of Transaction section
completed accurately

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.16** CD Assumption, Demand Feature, Negative Amortization, and Partial Payments
sections completed properly (at least and only one box selected).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.17** Late Payment completed properly
(terms disclosed and accurate per note).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.18** Escrow Amount section was completed
properly (only one box selected and amounts disclosed).

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.19** Escrow Property Costs over Year 1 to be calculated per the payments scheduled
to be made in a 1 year period after consummation (1026.38)1)(7)(i) (A)(I).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.20** Non-Escrowed Property Costs over 1 Year to be calculated using either 11
or 12 months as determined by client. (1026.38)(1)(7)(i)(B)(1)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.21** If Interest Only, Optional
Payments, Step Payments, or Seasonal Payments, is

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.22** Adjustable Payment ("AP")
Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.23** If ARM or Step, is Adjustable
Interest Rate ("AIR") Table was disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.24** Loan Calculations sections
were complete and accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.25** Total of Payments is accurate
per 1026.38(o)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.26** Include fees in section A, B, and C that are paid by the borrower as well
as the seller or other if those fees are customarily paid by the borrower.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.27** Mission captured amounts disclosed in Loan Calculations section and tested
for TILA tolerance violations on disclosed APR and Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.28** Mission confirmed the Total Interest Percentage (TIP) was accurate with
proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.29** Other Disclosures section was complete with at least one choice selected
as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.30** Rounding rules were verified as per 1026.38(t)(4). Rounding on all percentages
except APR is percentages should be truncated so that a zero is not disclosed in the last decimal place (7.250 should be rounded to 7.25).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13** **TRID Method of Delivery/Receipt LE and CD**

Mission verified the method of receipt of the revised LE and CD and performed a compliance test with timing requirements. For purposes of the review and verification, the date the borrower is deemed to have received the disclosure(s) is based on any of the following methods:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13.1** In Person: borrower signature
date is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13.2** Electronic - No Receipt Confirmation in File: three (3) business days from
later of document issue date or proof of e-delivery date is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13.3** Electronic - With Receipt Confirmation in File, date of receipt confirmation
is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13.4** Electronic - Delivery confirmation of an email, assuming the borrower(s)
have consented to electronic delivery.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13.5** Mail (USPS or other parcel delivery service) - No Receipt Confirmation in
File: three (3) business days from later of document issue date or proof of mailing date is used. Delivery confirmation, i.e., confirmation
that documents have been delivered to the borrower(s)
door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt,
for the purposes of the receipt requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13.6** Mail (USPS or other parcel delivery service) - With Receipt Confirmation
in File: date of receipt confirmation is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s)
door.

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Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures in any other method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue date. As noted above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt will be considered unknown, requiring an additional three (3) days from the date the non-borrower received the documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13.7** Electronic Disclosures. If disclosures were sent electronically, a finding
was cited if there was no evidence in the file that the borrower consented to receive disclosures electronically. Default to the three
(3) business day mail rule for delivery without the proper documentation of borrower consent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.14** **Other TRID Compliance Testing**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.14.1** Mission verified that the Home Loan Toolkit was present. If not present,
a finding was cited if the Your Home Loan Toolkit Disclosure or evidence the disclosure was delivered or placed in the mail is not in
the file or was not provided to the borrower within three (3) business days of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.14.2** Consummation Date: Consummation varies by applicable state law and the term
is not often clearly defined. Accordingly, Mission used the notary date of the Deed of Trust to confirm consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.14.3** Post-Consummation Disclosures: As noted in the findings resolutions, the
creditor used a Post-consummation Closing Disclosure to either correct clerical errors and clear findings or to cure pre-consummation
fee tolerance errors and clear findings. In all cases, Mission confirmed the testing against the Post-consummation Closing Disclosure
before findings were resolved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.15** **SUBSEQUENT CHANGES AFTER CONSUMMATION**

There were loans in the pool reviewed by Mission that contained findings related to issues that could only be cured by issuance of a Post-close Closing Disclosure. The following prescribed cures as set forth in section 1026.19 (t)(2)(iii) through (v) that are acceptable for changes and corrections to the Final CD after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.15.1** Section 1026.19(t)(2)(iii) - Changes due to events occurring after consummation.
If within 30 days of consummation or as in this case, within 30 days of creditor first becoming aware of the existence of an event, an
event occurs that causes the final CD to become inaccurate and such inaccuracy results in a change to an amount actually paid by the borrower(s)
from the amount disclosed, Mission tested for evidence that a new, corrected CD was delivered or placed in the mail to the borrower within
thirty (30) days of receiving information that an event occurred.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.15.2** Section 1026.19(f)(2)(iv)-
Changes due to clerical errors. Non-numeric clerical errors, for the purpose of this scope are
any error not related to a disclosed dollar amount or percentage. Where applicable, Mission tested for evidence that a new, corrected
Post-Closing CD was delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation, or within sixty (60)
calendar days of the first date of which the creditor becomes aware of such error.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.15.3** Section 1026.19(f)(2)(v)-Refunds related to the good faith analysis. Where
applicable, Mission identified findings related to fee disclosures and brought such findings to the attention of the creditor. As noted
in the resolution of these findings, the Creditor acted in Good Faith and cured these findings by issuing a corrected Post-Closing CD
and where a fee tolerance violation occurred the Creditor issued a refund to the borrower. In all cases, Mission tested for evidence such
as a copy of the refund check, a new corrected CD, and evidence the creditor delivered or placed in the mail to the borrower within the
timeframe necessary as noted in the resolution to the findings.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.15.4** A post-consummation CD is understood to be issued with a Date Issued represented
as the date the post-consummation CD was issued.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.15.5** Errors on LE's and Interim CD's and numeric errors on final CD's which do
not have prescribed cures as per the regulation were not be reported as having been cured. The assessment of risk and decision to accept
a finding that does not have a prescribed cure is the responsibility of the purchaser of the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16** **Additional Disclosures and Requirements:**

Mission confirmed compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16.1** Confirmed the presence of the Home Loan Tool Kit is in file for covered
loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16.2** Confirmed the presence of the Affiliated Business Disclosure in file in
the event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16.3** Confirmed the Affiliated Business Disclosure provided within three general
business days of "Application" (Mission reviews for this disclosure to be provided within three general business days, as the
lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16.4** Confirmed the Affiliated Business
Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16.5** Confirmed the presence of
the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16.6** Confirmed the Initial Escrow Disclosure Statement was provided at closing
or within 45 days after settlement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16.7** Confirmed that each mortgage loan adhered to flood insurance coverage requirements
as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage
amounts.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17** **High Cost- State & Local Anti-Predatory Regulations:**

In addition to federal thresholds, Mission reviewed the anti-predatory lending statutes in the following states and local municipalities, as applicable:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.1** Arkansas Home Loan Protection
Act, AR. Stat. Ann.§ 23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.2** California Anti-Predatory Lending
Statute, CA. Fin. Code§ 4970 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.3** 4.3 California Higher Priced Mortgage Loan Statute, CA. Fin Code §
4995 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.4** 4.4 Colorado Consumer Equity Protection Act, CO. Rev. Stat. § 5-3.5-101
et seq. and as amended by Senate Bi11216 (2007) and House Bi111322 (2007)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.5** Colorado Consumer Credit Code,
CO. Rev. Stat. 5-1-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.6** Connecticut Abusive Home Loan Lending Practices Act, CT. Stat. Ann. §
36a-746 et seq. and the Responsible Lending and Economic Security Act, CT. House Bill 5577 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.7** Connecticut Nonprime Home Loan
Statute, CT. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.8** District of Columbia Home Loan Protection Act of 2002, D.C. Official Code
§ 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. and DC Mortgage Disclosure Act of2007.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.9** Florida Fair Lending Act,
FL. Stat. Ann. § 494.0078 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.10** Georgia Fair Lending Act, GA. Stat. Ann.§ 7-6A-1 et seq. (as originally
enacted by House Bill 02-1361 and as modified by Senate Bill 03-53)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.11** Idaho Residential Mortgage
Practices Act, ID. Code§ 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.12** Illinois High Risk Home Act,
IL. Comp Stat. tit. 815, §§ 137/5 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.13** Illinois High Risk Home Loan Regulations, 38 IL. Admin. Code § 345.10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.14** Illinois High Risk Home Loan
Act, Public Act. 93-0561 (2003).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.15** City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal
Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.16** Cook County, Illinois, Anti-Predatory
Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.17** Indiana Home Loan Practices Act, IN. Code§ 24-9-1-1 et seq. and as
amended by 2005 In. P.L. 141 § 6 P2013-011.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.18** Kansas Consumer Credit Code,
KS. Stat. Ann. § 16a-1-101 et seq. Sections 16a-1-301, 16a-3- 207 and 16a-3-308a.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.19** Kentucky Anti-Predatory Lending Statute, KY. Rev. Stat. § 360.100 et
seq. and as amended by KY. House Bill 552 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.20** Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages,
9A ME. Rev. Stat. Ann. §§ 8-101; 8-103(1); 8-206(8); 8-206A and ME. Legislative Document 1869 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.21** Maryland Commercial Law, MD. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1;
12-1029 and as amended by MD. Senate Bill 270 (2008) and Maryland Regulations under the MD. Mortgage Lender Law (2009).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.22** Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under
the MD. Mortgage Lender Law, MD. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; MD. Code Regs. §§ 09.03.06.01 et
seq.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.23** Massachusetts High Cost Mortgage Regulations, 209 CMR § 32.32 et seq.
including MA. House Bill4387 (2008) 20. MA. Predatory Home Loan Practices Act, M.G.L. Chapter 183(C).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.24** Massachusetts Regulations for Higher Priced Mortgage Loans, 209 MA. Code
Regs. §§ 32.00

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.25** Massachusetts "Borrower's
Interest" Standard, M.G.L. Chapter 183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.26** Massachusetts Mortgage Lender
and Broker Regulations, 940 CMR § 8.00 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.27** Michigan Consumer Mortgage Protection Act, MI. Stat. Ann. § 445-1631
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.28** Minnesota Mortgage Originator and Service Licensing Act, § 58.137 etal.
(S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.29** Nebraska Mortgage Bankers Registration and Licensing Act, NE. Stat.§
45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.30** Nevada Anti-Predatory Lending Law, NV. Rev. Stat. § 598D.010 et seq.
and as amended by AB 440 and492.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.31** New Jersey Home Ownership Security Act of 2002, NJ. Stat. Ann. §C:46:10
B-22 et seq. and as amended by PL. 2004, Ch. 84 § 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.32** New Mexico Home Loan Protection Act, NM. Stat. Ann. § 58-21A-1 et
seq. and as amended by Senate Bill 342 (2009 High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003)
and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-1 (2003) and 6-m (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.33** New York High Cost Home Loan
Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.34** New York High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented
by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-1 (2003) and 6-m (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.35** North Carolina Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-l.1
to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-9; 24-l.l(E)(a); 24-10.2(a) and
as amended by House Bill1817 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.36** Ohio Anti-Predatory Lending
Statute, OH. Rev. Code Ann. §§ 1349.25 to 1349.37and § 1.63 and as amended by S.B. 185.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.37** City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance
No. 72-2003.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.38** Oklahoma Anti-Predatory Lending
Law, House Bill No. 1574 (2003).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.39** Oklahoma Higher -Priced Mortgage
Loans Law, OK. Admin. Code§§ 160:45-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.40** Pennsylvania Consumer Equity Protection Act, 63 PA. Cons. Stat. Ann. §
456.501 et seq. 4.41 City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.41** Rhode Island Home Loan Protection
Act, Chapter 25.2 of Title 34 of RI. Gen. Laws. §§ 34-25.2-1 et seq., including the Emergency and Final Regulations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.42** South Carolina High-Cost and
Consumer Home Loans Act, SC. Code§ 37-23-10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.43** South Carolina Consumer Protection
Code, SC. Code 37-1-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.44** Tennessee Home Loan Protection
Act, TN. Code Annotated §§ 45-20-101 et seq., Title 47 et seq.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.45** Texas High-Cost Home Loan
Statute, TX. Fin. Code Ann.§ 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.46** Texas Constitution, Section
50(a)(6), Article XVI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.47** Utah Residential Mortgage Practices
Amendments, UT. Code Ann.§ 61- 2c-102 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.48** Utah High Cost Home Loan
Act, UT. Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.49** Vermont Interest Act, 9 V.S.A.
§ 104, implemented by Regulation B-98-2.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.50** Virginia Mortgage Lender
and Broker Act (for loans originated prior to July 1, 2003), VA. Code Ann.§§ 6.1-413; 6.1-422, 6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.51** Virginia Mortgage Lender and
Broker Act (for loans originated after July 1, 2003), VA. Code Ann.§§ 6.1-411; 6.1-422.1, 6.1-425.1;
6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.52** Washington House Bill 2770,
Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.53** Wisconsin Responsible High
Cost Mortgage Lending Act, WI. Stat. § 428.202.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.54** West Virginia Residential Mortgage
Lender, Broker and Servicer Act, WV. Code § 31-17-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.55** Wyoming Credit Code, WY.
Stat. Ann.§§ 40-14-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.18** **Regulatory Compliance Disclaimer**

Please be advised that Mission did not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Mission are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Mission is relying in reaching such findings.

Please be further advised that Mission does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Mission do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Mission. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Mission to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Mission are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19** **Misrepresentation and Third-Party Report Review**

Mission verified that fraud reports were present on all loans and independent third-party property valuations reports are in the file.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19.1 Misrepresentation Review**

Mission validated the presence of a Fraud Guard report on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19.2 Alerts**

Mission validated credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19.3 Social Security Numbers**

Mission verified SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19.4 Document Integrity**

Mission validated to the extent possible for apparent alterations to loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19.5 Data Consistency**

Mission validated the documents contained in the loan file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19.6 5.1.6 Third Party Fraud Tools**

To the extent a third-party Fraud Guard was present in the loan file, Mission reviewed high level or critical warnings were reviewed and addressed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**7. Data Integrity Review**

Mission was provided with a Client bid tape to conduct a Data Integrity Review. The Client provided a data tape with the following data fields and Mission compared the field to the applicable source document and reported all variances.

The following fields were provided and compared:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 First Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Co-Borrower
 First Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Co-Borrower
 Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ #
 of Units Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Contract
 Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Debt
 Service Coverage Ratio (Business Purpose Investment loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 Qualifying FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 Total Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ First
 Payment Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Primary
 Appraised Value for LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note
 Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Note Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 LTV

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 P&I

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 Program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Property
 Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Refinance
 Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 Property Street

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 Property Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **8.** **Loan and Exception Level Grading Methodology**

Pursuant to the applicable NRSRO criteria, Mission graded each loan exception with an event level 1 for exceptions findings that are informational in nature, event level 2 for exceptions findings that are considered non-material, event level 3 for exceptions findings that are considered material. In accordance applicable NRSRO criteria exceptions and overall initial loan grades and final loan Grades were assigned with an A, B, C or D. The methodology for the application of RMBS grading is defined by each NRSRO in their current industry publications as updated from time to time.

Pursuant to the applicable NRSRO criteria, Mission graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Where applicable, mortgage loans t h a t a r e seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The period is not limited for claims, other than recission, which are raised as a defense to foreclosure. Information contained in any Mission reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**S&P GLOBAL & DBRS GRADING METHODOLOGY**

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| | | |
|:---|:---|:---|
| **NRSRO Grade** | **# of Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of Loans (by count) in**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**MISSION Population** |
| A | 98 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;88.3% |
| B | 13 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.7% |
| C | 0 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0% |
| D | 0 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0% |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**NRSRO GRADE** | &nbsp;&nbsp;&nbsp;**NRSRO GRADE** |  |
| &nbsp;&nbsp;&nbsp;**SUMMARY** | | |
| &nbsp;&nbsp;&nbsp;**NRSRO GRADE** | **# of Loans** | &nbsp;&nbsp;&nbsp;**% of Loans (by count) in**<br> **MISSION Population** |
| &nbsp;&nbsp;&nbsp;**CREDIT** | | |
| &nbsp;&nbsp;&nbsp;**A** | 102 | 91.9% |
| &nbsp;&nbsp;&nbsp;**B** | 9 | 8.1% |
| &nbsp;&nbsp;&nbsp;**C** | 0 | 0% |
| &nbsp;&nbsp;&nbsp;**D** | 0 | 0% |
| &nbsp;&nbsp;&nbsp;**COMPLIANCE** |  |  |
| &nbsp;&nbsp;&nbsp;**A** | 110 | 99.1% |
| &nbsp;&nbsp;&nbsp;**B** | 1 | 0.9% |
| &nbsp;&nbsp;&nbsp;**C** | 0 | 0% |
| &nbsp;&nbsp;&nbsp;**D** | 0 | 0% |
| &nbsp;&nbsp;&nbsp;**PROPERTY/VALUE** |  |  |
| &nbsp;&nbsp;&nbsp;**A** | 107 | 96.4% |
| &nbsp;&nbsp;&nbsp;**B** | 4 | 3.6% |
| &nbsp;&nbsp;&nbsp;**C** | 0 | 0% |
| &nbsp;&nbsp;&nbsp;**D** | 0 | 0% |

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| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **24** |

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**DATA INTEGRITY REVIEW**

**Data Compare Summary**

**PRP 2023-NQM1_V2**

**Run Date - 1/13/2023 15:00:00 PM**

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| | | | | |
|:---|:---|:---|:---|:---|
| | | **Total** | | |
| | | **Total** | | |
| | | **Times** | | |
| <br>&nbsp;&nbsp;**Field Label** | <br>**Loans With**<br>**Discrepancy** | **Compared** | <br>**%**<br>&nbsp;&nbsp;**Variance** | <br>**Comments** |
| &nbsp;&nbsp;Borrower First Name | 19 | 106 | 17.92% | All variances were spelling |
|  |  |  |  | differences in the tape vs on the |
|  |  |  |  | note. |
| &nbsp;&nbsp;Borrower Last Name | 16 | 106 | 15.09% | All variances were spelling |
|  |  |  |  | differences in the tape vs on the |
|  |  |  |  | note. |
| &nbsp;&nbsp;Coborrower First Name | 4 | 19 | 21.05% | All variances were spelling |
|  |  |  |  | differences in the tape vs on the |
|  |  |  |  | note. |
| &nbsp;&nbsp;Coborrower Last Name | 0 | 19 | 0.00% |  |
| &nbsp;&nbsp;# of Units | 2 | 97 | 2.06% | The Lender provided a different |
|  |  |  |  | tape from their new LOS system |
|  |  |  |  | and this field is not yet present |
|  |  |  |  | for compare purposes. This |
|  |  |  |  | accounted for all 5 variances. |
| &nbsp;&nbsp;Contract Sales Price | 2 | 85 | 2.35% | Mission noted that in all but |
|  |  |  |  | two of the instances these were |
|  |  |  |  | due to decimal points. In the |
|  |  |  |  | two instances where there was a |
|  |  |  |  | difference it was due to an |
|  |  |  |  | contract amendment change |
|  |  |  |  | before closing. |
| &nbsp;&nbsp;Debt Service Coverage Ratio | 37 | 104 | 35.58% | All variances are the result of |
|  |  |  |  | rounding differences or |
|  |  |  |  | variances in captured borrower |
|  |  |  |  | debt calculations. We used |
|  |  |  |  | debts from the credit report |
|  |  |  |  | that may be different than what |
|  |  |  |  | was known at the time of |
|  |  |  |  | underwriting and origination. |
|  |  |  |  | Mission verified all variances |
|  |  |  |  | and verified DSCR calculations |
|  |  |  |  | met Guidelines. |
| &nbsp;&nbsp;Borrower Qualifying FICO | 10 | 18 | 55.56% | All variances were the result of |
|  |  |  |  | rounding differences or other |
|  |  |  |  | slight variations in what was |
|  |  |  |  | captured from the credit |
|  |  |  |  | reports. Mission verified all |
|  |  |  |  | captured FICO scores met |
|  |  |  |  | Guidelines. |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower Total Income | 7 | 76 | 9.21% | The Lender provided a different |
|  |  |  |  | tape from their new LOS system |
|  |  |  |  | and this field is not yet present |
|  |  |  |  | for compare purposes. This |
|  |  |  |  | accounted for all variances. In |
|  |  |  |  | all cases Mission verified |
|  |  |  |  | Borrower total Income reported. |
| &nbsp;&nbsp;Occupancy | 0 | 101 | 0.00% |  |
| &nbsp;&nbsp;First Payment Date | 17 | 100 | 17.00% | The Lender provided a different |
|  |  |  |  | tape from their new LOS system |
|  |  |  |  | and this field is not yet present |
|  |  |  |  | for compare purposes. This |
|  |  |  |  | accounted for all variances. In |
|  |  |  |  | all cases Mission verified dates |
|  |  |  |  | from the Promissory note. |
| &nbsp;&nbsp;Primary Appraised Value for LTV | 0 | 104 | 0.00% |  |
| &nbsp;&nbsp;Note Date | 24 | 95 | 25.26% | The Lender provided a different |
|  |  |  |  | tape from their new LOS system |
|  |  |  |  | and this field is not yet present |
|  |  |  |  | for compare purposes. This |
|  |  |  |  | accounted for all variances. In |
|  |  |  |  | all cases Mission verified dates |
|  |  |  |  | from the Promissory note. |
| &nbsp;&nbsp;Original Note Interest Rate | 2 | 106 | 1.89% | The Lender provided a different |
|  |  |  |  | tape from their new LOS system |
|  |  |  |  | and this field is not yet present |
|  |  |  |  | for compare purposes. This |
|  |  |  |  | accounted for all variances. In |
|  |  |  |  | all cases Mission verified dates |
|  |  |  |  | from the Promissory note. |
| &nbsp;&nbsp;Original Loan Amount | 5 | 107 | 4.67% | The Lender provided a different |
|  |  |  |  | tape from their new LOS system |
|  |  |  |  | and this field is not yet present |
|  |  |  |  | for compare purposes. This |
|  |  |  |  | accounted for all variances. In |
|  |  |  |  | all cases Mission verified dates |
|  |  |  |  | from the Promissory note. |
| &nbsp;&nbsp;Loan Program | 9 | 55 | 16.36% | The Lender provided a different |
|  |  |  |  | tape from their new LOS system |
|  |  |  |  | and this field is not yet present |
|  |  |  |  | for compare purposes. This |
|  |  |  |  | accounted for all variances. In |
|  |  |  |  | all cases Mission verified |
|  |  |  |  | programs from the Loan |
|  |  |  |  | approval. |
| &nbsp;&nbsp;Original LTV | 0 | 104 | 0.00% |  |
| &nbsp;&nbsp;Original P&I | 12 | 106 | 11.32% | The Lender provided a different |
|  |  |  |  | tape from their new LOS system |
|  |  |  |  | and this field is not yet present |
|  |  |  |  | for compare purposes. This |
|  |  |  |  | accounted for all variances. In |
|  |  |  |  | all cases Mission verified dates |
|  |  |  |  | from the Promissory note. |

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| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **26** |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Property Type | 7 | 85 | 8.24% | Property Type variations were a |
|  |  |  |  | result of enumeration |
|  |  |  |  | differences between the client |
|  |  |  |  | bid tape and ASF property types |
|  |  |  |  | designations. Primarily these |
|  |  |  |  | are differences in Condo or |
|  |  |  |  | attached family designations. |
|  |  |  |  | Mission verified in each case |
|  |  |  |  | that the property type met |
|  |  |  |  | guideline requirements. |
| &nbsp;&nbsp;Purpose | 1 | 105 | 0.95% |  |
| &nbsp;&nbsp;Refi Purpose | 3 | 24 | 12.50% | Property Type variations were a |
|  |  |  |  | result of enumeration |
|  |  |  |  | differences between the client |
|  |  |  |  | bid tape and ASF property types |
|  |  |  |  | designations. Mission verified |
|  |  |  |  | in each case that the property |
|  |  |  |  | type met guideline |
|  |  |  |  | requirements. |
| &nbsp;&nbsp;Street | 10 | 108 | 9.26% | All variances were spelling |
|  |  |  |  | differences in the tape vs on the |
|  |  |  |  | note. |
| &nbsp;&nbsp;City | 1 | 108 | 0.93% | All variances were spelling |
|  |  |  |  | differences in the tape vs on the |
|  |  |  |  | note. |
| &nbsp;&nbsp;State | 0 | 108 | 0.00% |  |
| &nbsp;&nbsp;Zip | 0 | 108 | 0.00% | All variances were spelling |
|  |  |  |  | differences in the tape vs on the |
|  |  |  |  | note. |

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|:---|:---|
| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **27** |

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**POOL DETAILS**

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| | | |
|:---|:---|:---|
| **Amortization Type** | **Amortization Type** | **Amortization Type** |
| <br>&nbsp;&nbsp;**Type** | <br>**Count** | **% of**<br>**Pool** |
| &nbsp;&nbsp;Fixed | 108 | 97.3% |
| &nbsp;&nbsp;Adjustable Rate Mortgage | 3 | 2.7% |
| &nbsp;&nbsp;Total | 111 | 100% |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower Citizenship** | &nbsp;&nbsp;**Borrower Citizenship** | &nbsp;&nbsp;**Borrower Citizenship** |
| &nbsp;&nbsp;**Type** | **Count** | **% of**<br> **Pool** |
| &nbsp;&nbsp;Foreign National | 22 | 20% |
| &nbsp;&nbsp;Non-Permanent Resident Alien | 12 | 11% |
| &nbsp;&nbsp;Permanent Resident Alien | 4 | 4% |
| &nbsp;&nbsp;US Citizen | 73 | 66% |
| &nbsp;&nbsp;Total | 111 | 100% |

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| | | |
|:---|:---|:---|
| **Loan Purpose** | **Loan Purpose** | **Loan Purpose** |
| <br>&nbsp;&nbsp;**Type** | <br>**Count** | **% of**<br>**Pool** |
| &nbsp;&nbsp;Purchase | 79 | 71% |
| &nbsp;&nbsp;Refinance - Cash Out | 26 | 23% |
| &nbsp;&nbsp;Refinance - Limited Cash Out | 2 | 2% |
| &nbsp;&nbsp;Refinance - Rate and Term | 4 | 4% |
| &nbsp;&nbsp;Total | 111 | 100% |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** |
| <br>&nbsp;&nbsp;**Type** | <br>**Count** | **% of**<br>**Pool** |
| &nbsp;&nbsp;Investment | 76 | 68% |
| &nbsp;&nbsp;Primary Residence | 35 | 32% |
| &nbsp;&nbsp;Secondary Residence | 0 | 0% |
| &nbsp;&nbsp;Total | 111 | 100% |

---

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| | | |
|:---|:---|:---|
| **Original Interest Rate** | **Original Interest Rate** | **Original Interest Rate** |
| <br>&nbsp;&nbsp;**Type** | <br>**Count** | **% of**<br>**Pool** |
| &nbsp;&nbsp;< 3.500% | 0 | 0% |
| &nbsp;&nbsp;3.500 - 3.999% | 1 | 1% |
| &nbsp;&nbsp;4.000 - 4.499% | 1 | 1% |
| &nbsp;&nbsp;4.500 - 4.999% | 1 | 1% |
| &nbsp;&nbsp;5.000 - 5.499% | 2 | 2% |
| &nbsp;&nbsp;5.500 - 5.999% | 1 | 1% |
| &nbsp;&nbsp;6.000 - 6.499% | 5 | 5% |
| &nbsp;&nbsp;6.500 - 6.999% | 12 | 11% |
| &nbsp;&nbsp;7.000 - 7.499% | 11 | 10% |
| &nbsp;&nbsp;7.500 - 7.999% | 18 | 16% |
| &nbsp;&nbsp;>= 8.000% | 59 | 53% |
| &nbsp;&nbsp;Total | 111 | 100% |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **Property Type** | **Property Type** |
| &nbsp;&nbsp;**Type** | **Count** | **% of** <br> **Pool** |
| &nbsp;&nbsp;1 Family Attached | 2 | 2% |
| &nbsp;&nbsp;2 Family | 3 | 3% |
| &nbsp;&nbsp;3 Family | 1 | 1% |
| &nbsp;&nbsp;4 Family | 1 | 1% |
| &nbsp;&nbsp;Condo, High Rise | 2 | 2% |
| &nbsp;&nbsp;Condo, Low Rise | 31 | 28% |
| &nbsp;&nbsp;Condotel | 2 | 2% |
| &nbsp;&nbsp;Double-wide Manufactured Housing | 0 | 0% |
| &nbsp;&nbsp;PUD | 31 | 28% |
| &nbsp;&nbsp;Single Family Detached | 32 | 29% |
| &nbsp;&nbsp;Single Wide Manufactured Housing | 0 | 0% |
| &nbsp;&nbsp;Townhouse | 4 | 4% |
| &nbsp;&nbsp;Other | 2 | 2% |
| &nbsp;&nbsp;Mixed-use | 0 | 0% |
| &nbsp;&nbsp;Total | 111 | 100% |

---

---

| | |
|:---|:---|
| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **28** |

---

**POOL DETAILS**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Qualifying FICO Credit Score** | &nbsp;&nbsp;**Qualifying FICO Credit Score** | &nbsp;&nbsp;**Qualifying FICO Credit Score** |
| &nbsp;&nbsp;**Type** | **Count** | **% of** **<br> Pool** |
| &nbsp;&nbsp;< 501 | 0 |  |
| &nbsp;&nbsp;501 - 600 | 3 | 3% |
| &nbsp;&nbsp;601 - 700 | 36 | 32% |
| &nbsp;&nbsp;701 - 800 | 48 | 43% |
| &nbsp;&nbsp;801 - 900 | 4 | 4% |
| &nbsp;&nbsp;No FICO | 20 | 18% |
| &nbsp;&nbsp;Total | 111 | 100% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Verified DSCR** | &nbsp;&nbsp;**Verified DSCR** | &nbsp;&nbsp;**Verified DSCR** |
| &nbsp;&nbsp;**Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of** <br> **Pool** |
| &nbsp;&nbsp;< 1.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;19% |
| &nbsp;&nbsp;1.00 - 1.99 | &nbsp;&nbsp;12 | &nbsp;&nbsp;75% |
| &nbsp;&nbsp;2.00 - 2.99 | &nbsp;&nbsp;1 | &nbsp;&nbsp;6% |
| &nbsp;&nbsp;3.00 - 3.99 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;>= 4.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;16 | &nbsp;&nbsp;100% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Verified DTI** | &nbsp;&nbsp;**Verified DTI** | &nbsp;&nbsp;**Verified DTI** |
| &nbsp;&nbsp;**Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of** <br> **Pool** |
| &nbsp;&nbsp;< 10 - 19 | &nbsp;&nbsp;3 | &nbsp;&nbsp;8% |
| &nbsp;&nbsp;20 - 29 | &nbsp;&nbsp;9 | &nbsp;&nbsp;23% |
| &nbsp;&nbsp;30 - 39 | &nbsp;&nbsp;9 | &nbsp;&nbsp;23% |
| &nbsp;&nbsp;40 - 49 | &nbsp;&nbsp;17 | &nbsp;&nbsp;43% |
| &nbsp;&nbsp;> = 50 | &nbsp;&nbsp;2 | &nbsp;&nbsp;5% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;40 | &nbsp;&nbsp;100% |

---

---

| | |
|:---|:---|
| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **29** |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 1**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ![](ex99-9sch1_001.jpg) |  |  |  |  |
| **Data Compare Summary** | **Data Compare Summary** | **Data Compare Summary** | **Data Compare Summary** | **Data Compare Summary** |
| **PRP 2023-NQM1_V2** |  |  |  |  |
| **Run Date - 1/13/2023 15:00:00 PM** | **Run Date - 1/13/2023 15:00:00 PM** |  |  |  |
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **Comments** |
| Borrower First Name | 19 | 106 | 17.92% | All variances were spelling differences in the tape vs on the note. |
| Borrower Last Name | 16 | 106 | 15.09% | All variances were spelling differences in the tape vs on the note. |
| Coborrower First Name | 4 | 19 | 21.05% | All variances were spelling differences in the tape vs on the note. |
| Coborrower Last Name | 0 | 19 | 0.00% |  |
| # of Units | 2 | 97 | 2.06% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all 5 variances. |
| Contract Sales Price | 2 | 85 | 2.35% | Mission noted that in all but two of the instances these were due to decimal points. In the two instances where there was a difference it was due to an contract amendment change before closing. |
| Debt Service Coverage Ratio | 37 | 104 | 35.58% | All variances are the result of rounding differences or variances in captured borrower debt calculations. We used debts from the credit report that may be different than what was known at the time of underwriting and origination. Mission verified all variances and verified DSCR calculations met Guidelines. |
| Borrower Qualifying FICO | 10 | 18 | 55.56% | All variances were the result of rounding differences or other slight variations in what was captured from the credit reports. Mission verified all captured FICO scores met Guidelines. |
| Borrower Total Income | 7 | 76 | 9.21% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified Borrower total Income reported. |
| Occupancy | 0 | 101 | 0.00% |  |
| First Payment Date | 17 | 100 | 17.00% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |
| Primary Appraised Value for LTV | 0 | 104 | 0.00% |  |
| Note Date | 24 | 95 | 25.26% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |
| Original Note Interest Rate | 2 | 106 | 1.89% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |
| Original Loan Amount | 5 | 107 | 4.67% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |
| Loan Program | 9 | 55 | 16.36% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified programs from the Loan approval. |
| Original LTV | 0 | 104 | 0.00% |  |
| Original P&I | 12 | 106 | 11.32% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |
| Property Type | 7 | 85 | 8.24% | Property Type variations were a result of enumeration differences between the client bid tape and ASF property types designations. Primarily these are differences in Condo or attached family designations. Mission verified in each case that the property type met guideline requirements. |
| Purpose | 1 | 105 | 0.95% |  |
| Refi Purpose | 3 | 24 | 12.50% | Property Type variations were a result of enumeration differences between the client bid tape and ASF property types designations. Mission verified in each case that the property type met guideline requirements. |
| Street | 10 | 108 | 9.26% | All variances were spelling differences in the tape vs on the note. |
| City | 1 | 108 | 0.93% | All variances were spelling differences in the tape vs on the note. |
| State | 0 | 108 | 0.00% |  |
| Zip | 0 | 108 | 0.00% | All variances were spelling differences in the tape vs on the note. |
| **Total** |  |  |  |  |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-9sch2_001.jpg) | ![](ex99-9sch2_001.jpg) | ![](ex99-9sch2_001.jpg) | ![](ex99-9sch2_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **PRP 2023-NQM1_V2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 1/13/2023 15:00:00 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Current/Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Current/Final Loan Grade** | **Property Initial Loan Grade** | **Property Current/Final Loan Grade** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Initial Finding Grade** | **Current/Final Finding Grade** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXXXXX_PRP_2023-NQM1-1 |  | 433962250 | D | A | D | A | A | A | A | A | Closed | FCRE7756 | 2021-09-17 15:53 | 2023-01-12 11:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing credit report | Resolved-Credit Report is Provided - Due Diligence Vendor-07/07/2022 <br>Resolved-Borrower is foreign national with no US credit. Guidelines don't require a credit report. - Due Diligence Vendor-09/27/2021 <br>Open-Credit Report is Missing - Due Diligence Vendor-09/17/2021 |  | Resolved-Credit Report is Provided - Due Diligence Vendor-07/07/2022 <br>Resolved-Borrower is foreign national with no US credit. Guidelines don't require a credit report. - Due Diligence Vendor-09/27/2021<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 99107 |
| XXXXXXX_PRP_2023-NQM1-2 |  | 433962250 | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2021-09-17 20:21 | 2021-09-27 14:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Per investor Purchase loan - UW allows vacancy on purchase loan which presumes no lease agreement required. Appraisal shows property is vacant. - Due Diligence Vendor-09/27/2021 <br>Open-Missing lease agreement. - Due Diligence Vendor-09/18/2021 |  | Resolved-Per investor Purchase loan - UW allows vacancy on purchase loan which presumes no lease agreement required. Appraisal shows property is vacant. - Due Diligence Vendor-09/27/2021<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 99197 |
| XXXXXXX_PRP_2023-NQM1-3 |  | 433962250 | D | A | D | A | A | A | A | A | Closed | FCRE1254 | 2021-09-17 16:05 | 2021-09-23 13:18 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.<br>- Due Diligence Vendor-09/23/2021 <br>Open-Property Title Issue Missing final title policy. - Due Diligence Vendor-09/17/2021 |  | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.<br>- Due Diligence Vendor-09/23/2021<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 99122 |
| XXXXXXX_PRP_2023-NQM1-4 |  | 434812754 | A | A | A | A | A | A | A | A | Closed | finding-3367 | 2021-12-21 07:27 | 2022-02-08 13:35 | Resolved | 1 - Information | A | A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. Columbus Day/Indigenous Peoples Day was a Holiday adding one day to required 3 days. finding is resolved. - Due Diligence Vendor-02/08/2022 <br>Resolved-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-12/21/2021 |  | Resolved-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. Columbus Day/Indigenous Peoples Day was a Holiday adding one day to required 3 days. finding is resolved. - Due Diligence Vendor-02/08/2022 <br>Resolved-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-12/21/2021<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 214735 |
| XXXXXXX_PRP_2023-NQM1-5 |  | 434812744 | D | A | D | A | A | A | A | A | Closed | FCRE7756 | 2022-01-09 14:38 | 2023-01-12 10:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing credit report | Resolved-Credit Report is Provided - Due Diligence Vendor-01/12/2022 <br>Ready for Review-Document Uploaded. Upload Credit Report - Seller-01/09/2022 <br>Open-Credit Report is Missing - Due Diligence Vendor-12/15/2021 | Ready for Review-Document Uploaded. Upload Credit Report - Seller-01/09/2022<br>| Resolved-Credit Report is Provided - Due Diligence Vendor-01/12/2022<br>|  |  | CPE2021100005-LENDER CREDIT REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | TX | Primary Residence | Purchase | NA | N/A | N/A | 205697 |
| XXXXXXX_PRP_2023-NQM1-6 |  | 434812627 | A | A | A | A | A | A | A | A | Closed | FCRE1201 | 2021-12-14 02:37 | 2022-07-07 13:50 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/07/2022 <br>Rescinded-Not applicable - Due Diligence Vendor-12/20/2021 <br>Open-Missing Third Party Fraud Report Missing Third Party Fraud Report - Due Diligence Vendor-12/15/2021 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/14/2021 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/07/2022 <br>Rescinded-Not applicable - Due Diligence Vendor-12/20/2021<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 203081 |
| XXXXXXX_PRP_2023-NQM1-7 |  | 435380635 | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-8 |  | 435380606 | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-9 |  | 435380609 | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-10 |  | 436718834 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2022-04-13 10:05 | 2022-04-18 09:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/18/2022 <br>Ready for Review-Document Uploaded. Please accept this letter to serve as our intent to obtain a corrected Loan Application/1003 for the above-mentioned loan/property. The correction is to amend an error for the borrower's U.S. Citizenship status on Section VIII Declarations from Resident Alien to Citizen. The attached Loan Application has been sent to the borrower and Loan Officer to be signed. - Seller-04/13/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing. FInal 1003 states non perm resident alien - Due Diligence Vendor-03/23/2022 | Ready for Review-Document Uploaded. Please accept this letter to serve as our intent to obtain a corrected Loan Application/1003 for the above-mentioned loan/property. The correction is to amend an error for the borrower's U.S. Citizenship status on Section VIII Declarations from Resident Alien to Citizen. The attached Loan Application has been sent to the borrower and Loan Officer to be signed. - Seller-04/13/2022<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/18/2022<br>|  |  | CPE2022020027 - Revised Final 1003.pdf<br>CPE2022020027 - Letter of Intent - 1003 Citizenship.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 362838 |
| XXXXXXX_PRP_2023-NQM1-11 |  | 436718834 | D | A | D | A | A | A | A | A | Closed | FCRE6914 | 2022-04-13 10:05 | 2022-04-18 09:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/18/2022 <br>Ready for Review-Document Uploaded. Please accept this letter to serve as our intent to obtain a corrected Loan Application/1003 for the above-mentioned loan/property. The correction is to amend an error for the borrower's U.S. Citizenship status on Section VIII Declarations from Resident Alien to Citizen. The attached Loan Application has been sent to the borrower and Loan Officer to be signed. - Seller-04/13/2022 <br>Open-Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-03/23/2022 | Ready for Review-Document Uploaded. Please accept this letter to serve as our intent to obtain a corrected Loan Application/1003 for the above-mentioned loan/property. The correction is to amend an error for the borrower's U.S. Citizenship status on Section VIII Declarations from Resident Alien to Citizen. The attached Loan Application has been sent to the borrower and Loan Officer to be signed. - Seller-04/13/2022<br>| Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/18/2022<br>|  |  | CPE2022020027 - Revised Final 1003.pdf<br>CPE2022020027 - Letter of Intent - 1003 Citizenship.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 362839 |
| XXXXXXX_PRP_2023-NQM1-12 |  | 437029780 | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-13 |  | 437220040 | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | IA | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-14 |  | 437220042 | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-15 |  | 437451314 | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-16 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXXXXX_PRP_2023-NQM1-17 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-18 |  |  | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-05-26 06:04 | 2022-05-27 12:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2022 <br>Open-Missing evidence of Mortgage recording Mortgage is not Recorded / Not sent for Recording. - Due Diligence Vendor-05/26/2022 |  | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NV | Investment | Refinance | Cash Out - Other | N/A | N/A | 472976 |
| XXXXXXX_PRP_2023-NQM1-19 |  |  | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-05-25 02:00 | 2022-05-27 12:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/25/2022 |  | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 470881 |
| XXXXXXX_PRP_2023-NQM1-20 |  |  | D | A | A | A | D | A | A | A | Closed | FCOM1208 | 2022-06-01 12:55 | 2022-10-28 09:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Document Uploaded. The lender and borrower agreed to a modification to correct the note and it is now a 30 year note with a 5 year IO term. finding is resolved. - Due Diligence Vendor-10/28/2022 <br>Resolved-The Note is Present - Due Diligence Vendor-09/08/2022 <br>Open-Term on Note is only 5 years and balloons in 5 years. this is not a 30 yr program and loan program is I/O 30 YR - Due Diligence Vendor-06/01/2022 |  | Resolved-Document Uploaded. The lender and borrower agreed to a modification to correct the note and it is now a 30 year note with a 5 year IO term. finding is resolved. - Due Diligence Vendor-10/28/2022 <br>Resolved-The Note is Present - Due Diligence Vendor-09/08/2022<br>|  |  | BPD2022030734_MISC. POST CLOSING DOCUMENTS.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XX | TX | Investment | Purchase | NA | N/A | N/A | 480143 |
| XXXXXXX_PRP_2023-NQM1-21 |  |  | D | B | D | B | A | A | A | A | Closed | FCRE1258 | 2022-06-02 10:32 | 2022-06-02 11:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-06/02/2022 <br>Resolved-Received uccp - Due Diligence Vendor-06/02/2022 <br>Ready for Review-Document Uploaded. This was provided - Seller-06/02/2022 <br>Open-Collateral Underwriter Missing - Due Diligence Vendor-05/27/2022 | Ready for Review-Document Uploaded. This was provided - Seller-06/02/2022<br>| Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-06/02/2022 <br>Resolved-Received uccp - Due Diligence Vendor-06/02/2022<br>|  |  | SSRs.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 476059 |
| XXXXXXX_PRP_2023-NQM1-22 |  |  | D | B | D | B | A | A | A | A | Closed | FCRE9806 | 2022-05-27 16:26 | 2022-05-27 16:26 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Other Credit Finding | Waived-Exception Type: Credit<br> Short Description: master policy expires in 30 days No HOA letter<br> Comments: Master Insurance policy.\*\*\*Provided policy is going to expire within 30 days, Hence please provide renewal letter or confirmation from HOA that new policy will be same as current. As per broker HOA is not going to provide the letter<br> Exception form is in borrower package page number 223.<br> - Due Diligence Vendor-05/27/2022 |  | Waived-Exception Type: Credit<br> Short Description: master policy expires in 30 days No HOA letter<br> Comments: Master Insurance policy.\*\*\*Provided policy is going to expire within 30 days, Hence please provide renewal letter or confirmation from HOA that new policy will be same as current. As per broker HOA is not going to provide the letter<br> Exception form is in borrower package page number 223.<br> - Due Diligence Vendor-05/27/2022<br>|  | Reserves>6 months, No consumer late payments in last 48 months, Other: specify below |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 476061 |
| XXXXXXX_PRP_2023-NQM1-23 |  | 437451801 | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2022-06-03 17:08 | 2022-07-07 15:31 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-<br> Used the adjustment to the lessor of in-place and market rents that can be seen in the Mark-to-Market Adjustment line of the Cash Flow tab within the UW Model to clear finding - Due Diligence Vendor-07/07/2022 <br> Open-Missing proof of rent receipt for the property [redacted] in order to use higher rents than Appraiser estimated. - Due Diligence Vendor-06/03/2022 |  | Resolved-<br> Used the adjustment to the lessor of in-place and market rents that can be seen in the Mark-to-Market Adjustment line of the Cash Flow tab within the UW Model to clear finding - Due Diligence Vendor-07/07/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | WI | Investment | Refinance | Cash Out - Other | N/A | N/A | 485705 |
| XXXXXXX_PRP_2023-NQM1-24 |  | 437451847 | A | B | A | B | A | A | A | B | Closed | FVAL1039 | 2022-06-27 09:42 | 2022-07-07 12:16 | Acknowledged | 2 - Non-Material | A | B | Property | Value | Appraised value unsupported | Acknowledged-For this multi-property, properties two and three were not supported values but the other five properties were either supported by AVM, Desk Review or BPO . If we remove the unsupported property the LTV is still within tolerance so general finding is that overall property value is supported. final Property grade is a B. - Due Diligence Vendor-07/07/2022 <br>Open-No AVM for property numbers 2, 3, 4 and 6. Ordered BPOs. - Due Diligence Vendor-06/27/2022 |  | Acknowledged-For this multi-property, properties two and three were not supported values but the other five properties were either supported by AVM, Desk Review or BPO . If we remove the unsupported property the LTV is still within tolerance so general finding is that overall property value is supported. final Property grade is a B. - Due Diligence Vendor-07/07/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NM | Investment | Purchase | NA | Investor Post-Close | No | 518244 |
| XXXXXXX_PRP_2023-NQM1-25 |  | 437451847 | A | B | A | B | A | A | A | B | Closed | FCRE9806 | 2022-06-09 12:27 | 2022-07-07 09:53 | Acknowledged | 2 - Non-Material | A | B | Credit | Eligibility | Other Credit Finding | Acknowledged-Exception granted - approval to lend on 28 units - Due Diligence Vendor-07/07/2022 <br>Open-exceeds max number of units (20 is max per guides) - Due Diligence Vendor-06/09/2022 |  | Acknowledged-Exception granted - approval to lend on 28 units - Due Diligence Vendor-07/07/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NM | Investment | Purchase | NA | Originator Post-Close | Yes | 493954 |
| XXXXXXX_PRP_2023-NQM1-26 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-27 |  |  | D | A | D | A | A | A | A | A | Closed | FCRE1258 | 2022-06-13 13:24 | 2022-06-30 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-06/30/2022 <br>Ready for Review-Document Uploaded. - Seller-06/30/2022 <br>Open-Collateral Underwriter Missing Missing CU documentation. AVM needed. - Due Diligence Vendor-06/13/2022 | Ready for Review-Document Uploaded. - Seller-06/30/2022<br>| Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-06/30/2022<br>|  |  | 1004544_SSR.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 498105 |
| XXXXXXX_PRP_2023-NQM1-28 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CT | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-29 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-30 |  |  | C | A | C | A | A | A | A | A | Closed | FCRE3931 | 2022-06-24 08:30 | 2022-07-26 11:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Other Credit Finding 1 | Resolved-Accept arms legnth explaination. - Due Diligence Vendor-07/26/2022 <br> Ready for Review-We don't consider this non arms length and allow the originator to do their own loans as long as they are licensed. - Due Diligence Vendor-07/21/2022 <br> Open-Possible Non-Arms length transaction: Final 1003 Pg 377 shows origination by [redacted]. Assets pg 72 show [redacted] as well. - Due Diligence Vendor-06/24/2022 |  | Resolved-Accept arms legnth explaination. - Due Diligence Vendor-07/26/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NV | Investment | Purchase | NA | N/A | N/A | 516204 |
| XXXXXXX_PRP_2023-NQM1-31 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXXXXX_PRP_2023-NQM1-32 |  |  | C | A | A | A | A | A | C | A | Closed | FVAL1039 | 2022-07-11 12:24 | 2022-08-10 08:53 | Resolved | 1 - Information | C | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. BPO supports original appraisal.<br> - Due Diligence Vendor-08/10/2022 <br>Open-External drive by appraisal has been cancelled, a BPO has been ordered. - Due Diligence Vendor-08/02/2022 <br>Open-Desk Review was inconclusive so no value supported. External drive by appraisal has been ordered - Due Diligence Vendor-07/26/2022 <br>Open-Document Uploaded. - Due Diligence Vendor-07/19/2022 <br>Open-BPO not available, Ordered desk review. - Due Diligence Vendor-07/18/2022 <br>Open-AVM could not be generated. Ordered BPO - Due Diligence Vendor-07/11/2022 |  | Resolved-Document Uploaded. BPO supports original appraisal.<br> - Due Diligence Vendor-08/10/2022<br>|  |  | XX.pdf<br> 5452313_XX_MissionGlobal_7.29.2022.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XX | OK | Investment | Purchase | NA | N/A | N/A | 539519 |
| XXXXXXX_PRP_2023-NQM1-33 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | TX | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-34 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | MA | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-35 |  |  | C | A | A | A | A | A | C | A | Closed | FVAL1039 | 2022-07-11 12:41 | 2022-07-17 19:54 | Resolved | 1 - Information | C | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. BPO supports original appraisal.<br> - Due Diligence Vendor-07/18/2022 <br>Open-AVM does not support appraised value. Ordered BPO - Due Diligence Vendor-07/11/2022 <br>Open-AVM does not support appraised value. Ordered BPO - Due Diligence Vendor-07/11/2022 |  | Resolved-Document Uploaded. BPO supports original appraisal.<br> - Due Diligence Vendor-07/18/2022<br>|  |  | 5440460_BPD2022030187_MissionGlobal_7.7.2022.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XX | TX | Investment | Purchase | NA | N/A | N/A | 539674 |
| XXXXXXX_PRP_2023-NQM1-36 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | WA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-37 |  |  | A | A | A | A | A | A | A | A | Closed | FCRE3464 | 2022-07-14 10:11 | 2022-08-25 13:39 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE received. - Due Diligence Vendor-08/25/2022 <br>Open-proof of business in existence for 2 yrs missing - Due Diligence Vendor-07/14/2022 |  | Resolved-VVOE received. - Due Diligence Vendor-08/25/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | IL | Primary Residence | Purchase | NA | N/A | N/A | 547107 |
| XXXXXXX_PRP_2023-NQM1-38 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-39 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-40 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-41 |  |  | D | A | D | A | A | A | A | A | Closed | FCRE7805 | 2022-08-19 09:05 | 2022-11-03 07:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Received bank statements to clear finding - Due Diligence Vendor-11/03/2022 <br> Ready for Review-Document Uploaded. Please, find attached the requested full Bank Statements. Thank you! - Seller-11/03/2022 <br> Open-Please provide all pages of [redacted] statements for June 2020 - May 2022. Only odd pages in file for all months except June 2021. All the pages for June 2021 are present. - Due Diligence Vendor-08/19/2022 | Ready for Review-Document Uploaded. Please, find attached the requested full Bank Statements. Thank you! - Seller-11/03/2022<br>| Resolved-Received bank statements to clear finding - Due Diligence Vendor-11/03/2022<br>|  |  | 0626_001.pdf<br>0626_074.pdf<br>0626_039.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 612294 |
| XXXXXXX_PRP_2023-NQM1-42 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-43 |  |  | C | B | C | B | A | A | A | A | Closed | FCRE1159 | 2022-09-08 08:13 | 2022-09-27 10:34 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of 09-XX-2022 is prior to or equal to the Note Date of 09-XX-2022 Or Hazard Insurance Effective Date Is Not Provided corrected policy received - Due Diligence Vendor-09/27/2022 <br> Ready for Review-Document Uploaded. Evidence of property insurance uploaded - Seller-09/21/2022 <br> Open-Hazard Insurance Effective Date of 09-XX-2022 is after the Note Date of 09-XX-2022 funding is 9/6 - Due Diligence Vendor-09/08/2022 | Ready for Review-Document Uploaded. Evidence of property insurance uploaded - Seller-09/21/2022<br>| Resolved-Hazard Insurance Effective Date of 09-XX-2022 is prior to or equal to the Note Date of 09-XX-2022 Or Hazard Insurance Effective Date Is Not Provided corrected policy received - Due Diligence Vendor-09/27/2022 |  |  | EVIDENCE OF PROPERTY INSURANCE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 639519 |
| XXXXXXX_PRP_2023-NQM1-44 |  |  | C | B | C | B | A | A | A | A | Closed | FCRE4866 | 2022-09-08 11:09 | 2022-09-08 11:09 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Original CLTV does not meet eligibility requirement(s) | Waived-page 304<br> purchase 70% LTV max 65% for that score<br> Comments owns her primary free and clear - Due Diligence Vendor-09/08/2022 |  | Waived-page 304<br> purchase 70% LTV max 65% for that score<br> Comments owns her primary free and clear - Due Diligence Vendor-09/08/2022<br>|  | Reserves>6 months, No consumer late payments in last 48 months, No credit events past 48 month |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | Originator Pre-Close | Yes | 640196 |
| XXXXXXX_PRP_2023-NQM1-45 |  |  | C | B | C | B | A | A | A | A | Closed | FCRE1493 | 2022-09-08 10:17 | 2022-09-08 10:19 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception found on page 303 of PDF for insufficient tradelines.<br>6 tradelines but some old, 2 new but all less than 12 mo. No 3x12<br>Approved with conditions of : +0.75 hit in price (1.25 hit in total) - Due Diligence Vendor-09/08/2022 |  | Waived-Exception found on page 303 of PDF for insufficient tradelines.<br>6 tradelines but some old, 2 new but all less than 12 mo. No 3x12<br>Approved with conditions of : +0.75 hit in price (1.25 hit in total) - Due Diligence Vendor-09/08/2022<br>|  | Reserves>6 months, No consumer late payments in last 48 months, No credit events past 48 months, Other: specify<br> below |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | Originator Pre-Close | Yes | 640003 |
| XXXXXXX_PRP_2023-NQM1-46 |  |  | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2022-09-13 15:17 | 2022-11-01 11:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/01/2022 <br>Resolved-Received 3rd party fraud report - Due Diligence Vendor-10/24/2022 <br>Ready for Review-Document Uploaded. Fraud report - Seller-10/21/2022 <br>Open-Missing Third Party Fraud Report OFAC document missing in the file - Due Diligence Vendor-09/13/2022 | Ready for Review-Document Uploaded. Fraud report - Seller-10/21/2022<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/01/2022 <br>Resolved-Received 3rd party fraud report - Due Diligence Vendor-10/24/2022<br>|  |  | 1008135_Fraud report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 650366 |
| XXXXXXX_PRP_2023-NQM1-47 |  |  | D | A | D | A | A | A | A | A | Closed | FCRE3091 | 2022-09-14 08:43 | 2022-09-27 10:35 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved- - Due Diligence Vendor-09/27/2022 <br> Resolved-UPdated policy shows in effect on 9/8/22 - Due Diligence Vendor-09/27/2022 <br> Ready for Review-Document Uploaded. see attached - Seller-09/21/2022 <br> Open-Master Policy Expiration Date of 08-XX-2022 is Prior To the Transaction Date of [redacted] Current Master policy is expired. Need updated Active policy. - Due Diligence Vendor-09/14/2022 | Ready for Review-Document Uploaded. see attached - Seller-09/21/2022<br>| Resolved-UPdated policy shows in effect on 9/8/22 - Due Diligence Vendor-09/27/2022<br>|  |  | COI 22-23 - Evidence of Coverage (XX).PDF | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 650998 |
| XXXXXXX_PRP_2023-NQM1-48 |  |  | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-09-14 07:14 | 2022-09-19 12:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-09/19/2022 <br>Ready for Review-Loan recently funded, recorded documents not available yet - Seller-09/19/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/14/2022 | Ready for Review-Loan recently funded, recorded documents not available yet - Seller-09/19/2022<br>| Resolved-File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-09/19/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 650832 |
| XXXXXXX_PRP_2023-NQM1-49 |  |  | C | A | A | A | C | A | A | A | Closed | FCOM1238 | 2022-09-14 09:43 | 2022-11-01 08:38 | Resolved | 1 - Information | C | A | Compliance | Closing | Loan Originator NMLS is Not Valid | Resolved-Received updated Note and Deed and app with NMLS data - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. Note and CD, Mortgage pending - Seller-10/31/2022 <br>Counter-Please see your underwriting team, they are aware of this. - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Please confirm what NMLS you show as to be correct - Seller-10/12/2022 <br>Open-NMLS needs to be corrected on Note Deed of Trust 1003 and Final CD - Due Diligence Vendor-09/14/2022 | Ready for Review-Document Uploaded. Note and CD, Mortgage pending - Seller-10/31/2022 <br>Ready for Review-Please confirm what NMLS you show as to be correct - Seller-10/12/2022<br>| Resolved-Received updated Note and Deed and app with NMLS data - Due Diligence Vendor-11/01/2022<br>|  |  | [Untitled].pdf | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 651183 |
| XXXXXXX_PRP_2023-NQM1-50 |  |  | C | A | C | A | A | A | A | A | Closed | FCRE1493 | 2022-10-07 15:19 | 2022-10-28 10:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Trade line count does not meet program requirements | Resolved-lender used rent history as 3rd source for trade lines. - Due Diligence Vendor-10/28/2022 <br> Ready for Review-Document Uploaded. Please see the uploaded docs. Underwriter used rental payment history 1x12 and credit report 2x12. - Seller-10/27/2022 <br> Counter-Credit score is not the issue Trade line per your guidelines. Need exception - Due Diligence Vendor-10/24/2022 <br> Ready for Review-but borrower has still valid credit score - we should be fine - Seller-10/20/2022 <br> Counter-Disagree. Per your guidelines page 31 - 3 tradelines reporting for 12 or more months with activity in the last and remained open within 12 months OR<br> 2 tradelines reporting for 24 or more months. The older accounts on credit have not remained open in last 12 months. - Due Diligence Vendor-10/18/2022 <br> Ready for Review-Those trade lines are still counting ,since there is a history - Seller-10/17/2022 <br> Counter-Those trade lines are not within 24 month of loan date - Due Diligence Vendor-10/14/2022 <br> Ready for Review-borrower had some accounts with history more than 2 years-[redacted] 10/08 TO 11/12 ,TD FROM 09/08 TO 09/14;wf from 02/08 to 03/16<br> TD - Seller-10/12/2022 <br> Open-doesnt have 3 @ 12 or 2@24 - Due Diligence Vendor-10/07/2022 | Ready for Review-Document Uploaded. Please see the uploaded docs. Underwriter used rental payment history 1x12 and credit report 2x12. - Seller-10/27/2022 <br> Ready for Review-but borrower has still valid credit score - we should be fine - Seller-10/20/2022 <br> Ready for Review-Those trade lines are still counting ,since there is a history - Seller-10/17/2022 <br> Ready for Review-borrower had some accounts with history more than 2 years-XX/XX 10/08 TO 11/12 ,TD FROM 09/08 TO 09/14;wf from 02/08 to 03/16<br> TD - Seller-10/12/2022 | Resolved-lender used rent history as 3rd source for trade lines. - Due Diligence Vendor-10/28/2022<br>|  |  | 1011225_ XX -.pdf<br> 1011225_trade lines.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 684780 |
| XXXXXXX_PRP_2023-NQM1-51 |  |  | B | B | B | B | A | A | A | A | Closed | FCRE1493 | 2022-10-11 00:07 | 2022-10-12 06:10 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Found Exception page no 204. Bor1 has 2 tradelines: 13 & 16 M. B2 meets credit Borrower does not meet XX standard tradeline requirements. We only have 2 tradelines for a 12 month period. Provide 12 months' utility or phone bill verification in order to meet this requirement. Alternatively, provide approved exception form for insufficient tradelines - Due Diligence Vendor-10/11/2022 |  | Waived-Found Exception page no 204. Bor1 has 2 tradelines: 13 & 16 M. B2 meets credit Borrower does not meet AD Mortgage's standard tradeline requirements. We only have 2 tradelines for a 12 month period. Provide 12 months' utility or phone bill verification in order to meet this requirement. Alternatively, provide approved exception form for insufficient tradelines - Due Diligence Vendor-10/11/2022<br>|  | 2+ borrowers on the loan, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | Originator Pre-Close | Yes | 686935 |
| XXXXXXX_PRP_2023-NQM1-52 |  |  | C | B | C | B | A | A | A | A | Closed | FCRE1440 | 2022-10-10 10:07 | 2022-12-09 14:12 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted: Housing History Does Not Meet Guideline Requirements Missing complete last 12 months rating for subject. - Due Diligence Vendor-12/09/2022 <br>Ready for Review-Document Uploaded. - Seller-12/09/2022 <br>Counter-Regardless, a pay history for loan being paid off is required and not in file. - Due Diligence Vendor-10/18/2022 <br>Ready for Review-this is a refianance - Seller-10/17/2022 <br>Open-Housing History Does Not Meet Guideline Requirements Missing complete last 12 months rating for subject. Only two pmt stmts in file, for 5/1 payment and 08/01 payment (pages 171-173) and demand showing 09/1 pmt made - page 180. - Due Diligence Vendor-10/10/2022 | Ready for Review-Document Uploaded. - Seller-12/09/2022 <br>Ready for Review-this is a refianance - Seller-10/17/2022<br>| Waived-Exception granted: Housing History Does Not Meet Guideline Requirements Missing complete last 12 months rating for subject. - Due Diligence Vendor-12/09/2022<br>|  | Borrower FICO 752, no past credit events,low liabilities | 1011416_exception for HOUSING HISTORY DOES NOT MEET GUIDELINE REQUIREMENTS - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 685713 |
| XXXXXXX_PRP_2023-NQM1-53 |  |  | C | A | C | A | A | A | A | A | Closed | FCRE1194 | 2022-10-10 13:29 | 2022-11-03 07:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-New matrix clears finding - Due Diligence Vendor-11/03/2022 <br> Ready for Review-Document Uploaded. Please review uploaded Matrix. This has been escalated to underwriter and response uploaded as well. - Seller-11/02/2022 <br> Counter-Disagree. Per rate sheet dated 9/7 under Property Types it states that Condo Warrantable/Non Warrantable (Limited Review 75% {FL 70%}. This has nothing to do with New Construction. this is general cap for Limited review condos in Fl. - Due Diligence Vendor-10/28/2022 <br> Ready for Review-Max ltv for condo is 80% Per matrix ,borrower FICO is 709. LTV 71.96% is good ,since max LTV for such score would be 75% .Please refer to Matrix DSCR investment, you do refer to Condo new construction and it's not a new construction in FL. - Seller-10/27/2022 <br> Counter-Loan amount is $XX / Appraised value of $XX is 71.96% - Due Diligence Vendor-10/25/2022 <br> Ready for Review-LTV 71.40 % is actually 70% ltv. - Seller-10/19/2022 <br> Open-Audited LTV of 71.4% exceeds Guideline LTV of 70% 70% max bc limited review condo in FL - Due Diligence Vendor-10/10/2022 | Ready for Review-Document Uploaded. Please review uploaded Matrix. This has been escalated to underwriter and response uploaded as well. - Seller-11/02/2022 <br>Ready for Review-Max ltv for condo is 80% Per matrix ,borrower FICO is 709. LTV 71.96% is good ,since max LTV for such score would be 75% .Please refer to Matrix DSCR investment, you do refer to Condo new construction and it's not a new construction in FL. - Seller-10/27/2022 <br>Ready for Review-LTV 71.40 % is actually 70% ltv. - Seller-10/19/2022<br>| Resolved-New matrix clears finding - Due Diligence Vendor-11/03/2022<br>|  |  | DSCR_Matrix_9-7.pdf<br>1011644_response from uw.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 686321 |
| XXXXXXX_PRP_2023-NQM1-54 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-55 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-56 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-57 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-58 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-59 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-60 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-61 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-62 |  |  | C | A | C | A | C | A | A | A | Closed | FCRE1491 | 2022-10-27 14:57 | 2022-11-01 09:04 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-11/01/2022 <br> Resolved-Received gift letter - Due Diligence Vendor-11/01/2022 <br> Ready for Review-Please, find the requested Gift Letter uploaded to the File Uploads merged in XX_[redacted].pdf (pp. 27-28). Thank you! - Seller-10/31/2022 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Please provide source of Gift for $62,500 as stated wire to attorney. - Due Diligence Vendor-10/27/2022 | Ready for Review-Please, find the requested Gift Letter uploaded to the File Uploads merged in 1023293_Hakim.pdf (pp. 27-28). Thank you! - Seller-10/31/2022<br>| Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-11/01/2022 <br>Resolved-Received gift letter - Due Diligence Vendor-11/01/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 712482 |
| XXXXXXX_PRP_2023-NQM1-63 |  |  | C | A | C | A | C | A | A | A | Closed | finding-3542 | 2022-10-26 13:06 | 2022-11-01 09:03 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Received proof of delivery - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. - Seller-10/31/2022 <br>Open-provide evidence that Revised Closing Disclosure issues on 10/17/2022 was sent electronically<br> - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. - Seller-10/31/2022<br>| Resolved-Received proof of delivery - Due Diligence Vendor-11/01/2022<br>|  |  | 1023293_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 709760 |
| XXXXXXX_PRP_2023-NQM1-64 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-65 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-66 |  |  | A | A | A | A | A | A | A | A | Closed | FCRE9991 | 2022-10-26 11:49 | 2022-10-27 13:45 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Data tape received - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-10/27/2022 <br>Open-DSCR score doesnt match. Tape states 1.15, Rate lock 1.10 - TPR Review 1.28 - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. See attached - Seller-10/27/2022<br>| Resolved-Data tape received - Due Diligence Vendor-10/27/2022<br>|  |  | Updated tape.xlsx | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 709462 |
| XXXXXXX_PRP_2023-NQM1-67 |  |  | C | A | C | A | A | A | A | A | Closed | FCRE1479 | 2022-10-27 08:22 | 2022-11-07 07:50 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-11/07/2022 <br>Open-Asset Record 1 Does Not Meet G/L Requirements Title receipt for funds does not indicate source. Generic receipt of funds. Cannot match to donor/source per gift letter. Page 131. - Due Diligence Vendor-10/27/2022 |  | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-11/07/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 711172 |
| XXXXXXX_PRP_2023-NQM1-68 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-69 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-70 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 |  |  |  |
| XXXXXXX_PRP_2023-NQM1-71 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-72 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-73 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-74 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-75 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-76 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-77 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-78 |  |  | D | A | A | A | D | A | A | A | Closed | finding-3631 | 2022-11-11 12:53 | 2022-11-14 15:31 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC clears finding - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please review uploaded CD with COC - Seller-11/14/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. Please review uploaded CD with COC - Seller-11/14/2022<br>| Resolved-COC clears finding - Due Diligence Vendor-11/14/2022<br>|  |  | 1027948_coc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 734294 |
| XXXXXXX_PRP_2023-NQM1-79 |  |  | D | A | A | A | D | A | A | A | Closed | finding-3632 | 2022-11-11 12:53 | 2022-11-14 15:31 | Resolved | 1 - Information | A | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC clears finding - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please review uploaded CD with COC - Seller-11/14/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. Please review uploaded CD with COC - Seller-11/14/2022<br>| Resolved-COC clears finding - Due Diligence Vendor-11/14/2022<br>|  |  | 1027948_coc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 734295 |
| XXXXXXX_PRP_2023-NQM1-80 |  |  | D | A | A | A | D | A | A | A | Closed | finding-3634 | 2022-11-11 12:53 | 2022-11-14 15:31 | Resolved | 1 - Information | A | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC clears findings - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please review uploaded CD with COC - Seller-11/14/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,044.13.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Discount points increased from Initial CD 9/12 from $3335.76 to $7380.13 and no COC - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. Please review uploaded CD with COC - Seller-11/14/2022<br>| Resolved-COC clears findings - Due Diligence Vendor-11/14/2022<br>|  |  | 1027948_coc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 734296 |
| XXXXXXX_PRP_2023-NQM1-81 |  |  | D | A | A | A | D | A | A | A | Closed | FCOM4227 | 2022-11-04 00:00 | 2022-11-11 12:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-compliance run - Due Diligence Vendor-11/11/2022 <br>Ready for Review-Document Uploaded. Please review uploaded initial CD. - Seller-11/07/2022 <br>Open-Initial CD Missing - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. Please review uploaded initial CD. - Seller-11/07/2022<br>| Resolved-compliance run - Due Diligence Vendor-11/11/2022<br>|  |  | 1027948_initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 723317 |
| XXXXXXX_PRP_2023-NQM1-82 |  |  | D | A | A | A | D | A | A | A | Closed | FCOM9970 | 2022-11-04 00:00 | 2022-11-11 12:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-initial CD provided - Due Diligence Vendor-11/11/2022 <br>Ready for Review-Document Uploaded. Please review uploaded compliance report - Seller-11/09/2022 <br>Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. 1. Initial CD missing 2. COC for increase discount points at closing missing. Need both - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. Please review uploaded compliance report - Seller-11/09/2022<br>| Resolved-initial CD provided - Due Diligence Vendor-11/11/2022<br>|  |  | 1027948_compliance report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 723318 |
| XXXXXXX_PRP_2023-NQM1-83 |  |  | B | B | B | B | A | A | A | A | Closed | FCRE3931 | 2022-11-08 09:12 | 2022-11-08 09:12 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Other Credit Finding 1 | Waived-Found A &D Exception form in pg 513 states " 5 NSFs " - Due Diligence Vendor-11/08/2022 |  | Waived-Found A &D Exception form in pg 513 states " 5 NSFs " - Due Diligence Vendor-11/08/2022<br>|  | 5 years on current job, DTI >=10% lower than loan program, 10 years or more in same line of employment, LTV 10% below maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 729114 |
| XXXXXXX_PRP_2023-NQM1-84 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-85 |  |  | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2022-11-10 05:23 | 2022-11-22 09:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received documents - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Identifications are initially uploaded in the full credit pkg. Please find it on the 91th page. - Seller-11/16/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-11/10/2022 | Ready for Review-Identifications are initially uploaded in the full credit pkg. Please find it on the 91th page. - Seller-11/16/2022<br>| Resolved-Received documents - Due Diligence Vendor-11/17/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 732179 |
| XXXXXXX_PRP_2023-NQM1-86 |  |  | B | B | B | B | A | A | A | A | Closed | FCRE6843 | 2022-11-09 11:25 | 2022-11-09 12:50 | Waived | 2 - Non-Material | B | B | Credit | Assets | Asset General | Waived-Exception Type-Material: Assets<br> Short Description-Borrower's sourced money 15% instead of 20%<br> Comment-<br> Exception Form on page no. 498 of 648 - Due Diligence Vendor-11/09/2022 |  | Waived-Exception Type-Material: Assets<br> Short Description-Borrower's sourced money 15% instead of 20%<br> Comment-<br> Exception Form on page no. 498 of 648 - Due Diligence Vendor-11/09/2022<br>|  | Reserves>6 months, Credit score >40% than minimum required, CLTV 10% below maximum, Monthly payment reduction by >=20%, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | Originator Pre-Close | Yes | 731191 |
| XXXXXXX_PRP_2023-NQM1-87 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-88 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-89 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-90 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-91 |  |  | C | B | C | B | A | A | A | A | Closed | FCRE5802 | 2022-11-11 15:10 | 2022-11-21 11:58 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-Exception Type: Material: Assets<br> Short Description: Allow 9 mths Reserves Foreign Nat Cash out<br> Comments: Allow 9 mths Reserves Foreign Nat Cash out We have an exception for the Loan Bal of [redacted] already<br> Exception available in Page.302 - Due Diligence Vendor-11/11/2022 |  | Waived-Exception Type: Material: Assets<br> Short Description: Allow 9 mths Reserves Foreign Nat Cash out<br> Comments: Allow 9 mths Reserves Foreign Nat Cash out We have an exception for the Loan Bal of 70K already<br> Exception available in Page.302 - Due Diligence Vendor-11/11/2022<br>|  | Credit score >40% than minimum required, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 734469 |
| XXXXXXX_PRP_2023-NQM1-92 |  |  | C | B | C | B | A | A | A | A | Closed | FCRE8800 | 2022-11-16 12:57 | 2022-11-21 11:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Compensating Factors are insufficient to approve Exception Waiver | Resolved-Received comp factors - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. Exception Form provided - Seller-11/17/2022 <br>Open-Reserves>6 months is not a valid comp factor for a waiver where the minimum reserves are not met. Please provide a valid 3rd comp factor. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Exception Form provided - Seller-11/17/2022<br>| Resolved-Received comp factors - Due Diligence Vendor-11/21/2022<br>|  |  | 1007179_Exception Form.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 738666 |
| XXXXXXX_PRP_2023-NQM1-93 |  |  | D | A | D | A | A | A | A | A | Closed | FCRE1326 | 2022-11-14 07:04 | 2022-12-01 08:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-received both P&Ls for businesses - Due Diligence Vendor-12/01/2022 <br> Ready for Review-Document Uploaded. P&L for [redacted] uploaded. Please, review it. - Seller-11/29/2022 <br> Open-Borrower 1 YTD Profit & Loss Missing missing P&L for [redacted]. - Due Diligence Vendor-11/14/2022 | Ready for Review-Document Uploaded. P&L for XX uploaded. Please, review it. - Seller-11/29/2022 | Resolved-received both P&Ls for businesses - Due Diligence Vendor-12/01/2022<br>|  |  | 1030989_Profit and Loss Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | NY | Primary Residence | Purchase | NA | N/A | N/A | 734944 |
| XXXXXXX_PRP_2023-NQM1-94 |  |  | D | A | D | A | A | A | A | A | Closed | FCRE1193 | 2022-11-14 07:30 | 2022-12-01 08:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-From Lender - LOX though stating that the check was returned for the $100,000 and we can see this check being returned to borrower on 8/XX. We also have a CPA letter stating that the borrower still owns 100% of the business that is dated after the business purchase agreement. I believe that the business purchase agreement was provided to explain a large deposit and show that the business was not actually sold but was almost sold and all parties changed their mind. We have sufficient evidence that XX does still own this business. A final supporting factor is that we still have borrower asset statements that are active for same business after alleged business purchase date. <br>- Due Diligence Vendor-12/01/2022 <br> Open-Audited DTI of 54.85% exceeds Guideline DTI of 50% Lender used income from XX, but page 306 is a sales agreement for the business. XX borrower sold this business. can not use income since business was sold. Without income DTI is 54 - Due Diligence Vendor-11/14/2022 |  | Resolved-From Lender - LOX though stating that the check was returned for the $100,000 and we can see this check being returned to borrower on 8/25. We also have a CPA letter stating that the borrower still owns 100% of the business that is dated after the business purchase agreement. I believe that the business purchase agreement was provided to explain a large deposit and show that the business was not actually sold but was almost sold and all parties changed their mind. We have sufficient evidence that Magda does still own this business. A final supporting factor is that we still have borrower asset statements that are active for same business after alleged business purchase date. <br>- Due Diligence Vendor-12/01/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | NY | Primary Residence | Purchase | NA | N/A | N/A | 734975 |
| XXXXXXX_PRP_2023-NQM1-95 |  |  | D | A | D | A | A | A | A | A | Closed | FCRE7805 | 2022-11-14 10:59 | 2022-11-29 09:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Lender has addressed that they have switched accounts - Personal acct $XX, [redacted] business and XX all used. 12 months total in file - Due Diligence Vendor-11/29/2022 <br> Counter-page 1 of borrower package has nothing to do with missing bank statements. Still need. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Please, find the LOE uploaded in File Uploads merged in XX_Borrower pkg.pdf (p.1). Thank you! - Seller-11/22/2022 <br> Open-Missing Nov and Dec 2021 for [redacted] for B2 income calculation. - Due Diligence Vendor-11/14/2022 | Ready for Review-Please, find the LOE uploaded in File Uploads merged in XX_Borrower pkg.pdf (p.1). Thank you! - Seller-11/22/2022 | Resolved-Lender has addressed that they have switched accounts - Personal acct $4356, #XX business and XX all used. 12 months total in file - Due Diligence Vendor-11/29/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 735355 |
| XXXXXXX_PRP_2023-NQM1-96 |  |  | B | B | A | A | A | A | B | B | Closed | FVAL9739 | 2022-11-15 06:18 | 2022-11-15 06:18 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Gross Living area 491 - Due Diligence Vendor-11/15/2022 |  | Waived-Gross Living area 491 - Due Diligence Vendor-11/15/2022<br>|  | Experienced investor with 2+ investment properties, No consumer late payments in last 48 months, No mortgage late<br> payments in last 24 months<br> page 119 |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 736406 |
| XXXXXXX_PRP_2023-NQM1-97 |  |  | D | A | A | A | A | A | D | A | Closed | FVAL4940 | 2022-11-15 17:05 | 2022-11-21 11:23 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-Received quetionaire - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. Please review uploaded condo questionnaire. - Seller-11/17/2022 <br>Open- - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Please review uploaded condo questionnaire. - Seller-11/17/2022<br>| Resolved-Received quetionaire - Due Diligence Vendor-11/21/2022<br>|  |  | 1039190__XX_condo questionnaire.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 737670 |
| XXXXXXX_PRP_2023-NQM1-98 |  |  | D | A | A | A | A | A | D | A | Closed | FCRE9991 | 2022-11-15 17:11 | 2022-11-17 08:07 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Received data tape - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. DSCR is 1.71. .$4500/2628.05=1.71.Updated tape re-uploaded. - Seller-11/17/2022 <br>Open-lock DSCR 1.415 Audited DSCR 1.80 - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. DSCR is 1.71. .$4500/2628.05=1.71.Updated tape re-uploaded. - Seller-11/17/2022<br>| Resolved-Received data tape - Due Diligence Vendor-11/17/2022<br>|  |  | Bid Tape NON QM _11-XX-2022_November.xlsx | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 737672 |
| XXXXXXX_PRP_2023-NQM1-99 |  |  | C | A | C | A | A | A | A | A | Closed | FCRE1166 | 2022-11-15 12:32 | 2022-12-09 14:11 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Document uploaded clears findings - Due Diligence Vendor-12/09/2022 <br> Ready for Review-Document Uploaded. We do have an RCE in the file showing the reconstruction cost as $XX. - Seller-12/09/2022 <br> Open-Hazard Insurance Coverage Amount of $XX is less than Total Amount of Subject Lien(s) of $XX - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. We do have an RCE in the file showing the reconstruction cost as $XX. - Seller-12/09/2022 | Resolved-Document uploaded clears findings - Due Diligence Vendor-12/09/2022<br>|  |  | image.png | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 737191 |
| XXXXXXX_PRP_2023-NQM1-100 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-101 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | NY | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-102 |  |  | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2022-11-16 11:14 | 2022-11-22 11:25 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-PCCD clears finding - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/21/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/21/2022<br>| Resolved-PCCD clears finding - Due Diligence Vendor-11/22/2022<br>|  |  | PCCD check cure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 738462 |
| XXXXXXX_PRP_2023-NQM1-103 |  |  | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2022-11-16 11:14 | 2022-11-22 11:24 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Cured- - Due Diligence Vendor-11/22/2022 <br>Resolved-PCCD clears finding - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/21/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $49.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). tax service fee went up by $49.00 to $129 on Initial CD from 11/4-no COC - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/21/2022<br>| Resolved-PCCD clears finding - Due Diligence Vendor-11/22/2022<br>|  |  | PCCD check cure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 738463 |
| XXXXXXX_PRP_2023-NQM1-104 |  |  | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2022-11-16 11:14 | 2022-11-22 11:24 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-PCCD clears finding - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Document Uploaded. Please see attached - Seller-11/21/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/21/2022<br>| Resolved-PCCD clears finding - Due Diligence Vendor-11/22/2022<br>|  |  | PCCD check cure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 738461 |
| XXXXXXX_PRP_2023-NQM1-105 |  |  | C | B | A | A | C | B | A | A | Closed | FCRE9991 | 2022-11-16 10:17 | 2022-11-22 11:20 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Received updated tape - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-11/17/2022 <br>Open-DTI is 22.93 and tape has 38.46 / Property type is SFR not 2-4 - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. See attached - Seller-11/17/2022<br>| Resolved-Received updated tape - Due Diligence Vendor-11/22/2022<br>|  |  | Updated tape.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 738372 |
| XXXXXXX_PRP_2023-NQM1-106 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-107 |  |  | C | A | C | A | A | A | A | A | Closed | FCRE1501 | 2022-11-18 11:19 | 2022-12-01 13:56 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $XX is equal to or greater than Total Required Reserve Amount of $8203.53 - Due Diligence Vendor-12/01/2022 <br> Resolved-Received updated statement - Due Diligence Vendor-12/01/2022 <br> Ready for Review-Document Uploaded. Statement uploaded. Please, review it. - Seller-11/29/2022 <br> Counter-page 680 balance thru 11/11 is $125665. 1003 has a higher balance but we dont have an updated statement. Please provide updated saving statement reflecting $128764 - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Total verified assets are $128,765.42 minus reserves required $8,203.53 hence cash to close should not exceed $XX while cash to close required $XX which is meet the asset requirement. - Seller-11/28/2022 <br> Open-Total Qualified Assets for Reserves Post-Close of $5105.3 is less than Total Required Reserve Amount of $8203.53 Please Provide the additional assets of $3,098.23 to meet the Reserves requirement. - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. Statement uploaded. Please, review it. - Seller-11/29/2022 <br> Ready for Review-Total verified assets are $128,765.42 minus reserves required $8,203.53 hence cash to close should not exceed $XX while cash to close required $XX which is meet the asset requirement. - Seller-11/28/2022 | Resolved-Total Qualified Assets for Reserves Post-Close of $8234.88 is equal to or greater than Total Required Reserve Amount of $8203.53 - Due Diligence Vendor-12/01/2022 <br>Resolved-Received updated statement - Due Diligence Vendor-12/01/2022<br>|  |  | 1009392_XX Transactio History 11-16 (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 741305 |
| XXXXXXX_PRP_2023-NQM1-108 |  |  | B | B | A | A | A | A | B | B | Closed | FVAL9739 | 2022-11-23 05:40 | 2022-11-23 05:46 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-We Found Exception on pg no 136. and the exception States the condo is short required reserves - Due Diligence Vendor-11/23/2022 |  | Waived-We Found Exception on pg no 136. and the exception States the condo is short required reserves - Due Diligence Vendor-11/23/2022<br>|  | No consumer late payments in last 48 months, 5+ years credit history, Several income sources and DTI below 45% |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | Originator Pre-Close | Yes | 745967 |
| XXXXXXX_PRP_2023-NQM1-109 |  |  | D | A | D | A | A | A | A | A | Closed | FCRE8012 | 2022-11-21 06:30 | 2022-11-23 08:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Purchase Contract | Resolved-Per appraisal, added the original price plus additions and totals sale price. OK - Due Diligence Vendor-11/23/2022 <br> Open-Original purchase contract is missing with purchase price $XX - Due Diligence Vendor-11/21/2022 |  | Resolved-Per appraisal, added the original price plus additions and totals sale price. OK - Due Diligence Vendor-11/23/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 742328 |
| XXXXXXX_PRP_2023-NQM1-110 |  |  | C | A | A | A | C | A | A | A | Closed | FCOM9967 | 2022-11-21 08:39 | 2022-11-28 11:50 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Loan Estimate Deficiency | Resolved-received proof the LE was sent electronically - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. Proof provided - Seller-11/23/2022 <br>Open-Provide evidence LE 11/10/2022 was sent electronically. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. Proof provided - Seller-11/23/2022<br>| Resolved-received proof the LE was sent electronically - Due Diligence Vendor-11/28/2022<br>|  |  | 1030650_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | NY | Primary Residence | Purchase | NA | N/A | N/A | 742679 |
| XXXXXXX_PRP_2023-NQM1-111 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXXXXX_PRP_2023-NQM1-112 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-113 |  |  | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2022-11-23 09:06 | 2022-12-08 12:18 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received - Due Diligence Vendor-12/08/2022 <br> Ready for Review-Document Uploaded. Please note that the closing date switched from 11/14 to XX/15. Please see the Final CD, issued XX/15, signed by the borrower - Seller-12/07/2022 <br> Open-Required evidence that revised closing disclosure issues on 11/XX/2022 was sent electronically. - Due Diligence Vendor-11/23/2022 | Ready for Review-Document Uploaded. Please note that the closing date switched from 11/14 to 11/15. Please see the Final CD, issued 11/15, signed by the borrower - Seller-12/07/2022<br>| Resolved-received - Due Diligence Vendor-12/08/2022<br>|  |  | 1031441_Final CD 11-15.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 746358 |
| XXXXXXX_PRP_2023-NQM1-114 |  |  | C | A | A | A | C | A | A | A | Closed | FCOM5814 | 2022-11-23 09:04 | 2022-12-01 14:07 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received initial CD - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. Please, find Trid docs attached. Thank you! - Seller-11/29/2022 <br>Open-Provide the missing initial Closing Disclosure. - Due Diligence Vendor-11/23/2022 | Ready for Review-Document Uploaded. Please, find Trid docs attached. Thank you! - Seller-11/29/2022<br>| Resolved-Received initial CD - Due Diligence Vendor-12/01/2022<br>|  |  | 1038317_Trid docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 746352 |
| XXXXXXX_PRP_2023-NQM1-115 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-116 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-117 |  |  | C | B | C | B | A | A | A | A | Closed | FCRE1199 | 2022-11-28 07:16 | 2022-12-08 14:20 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-waiver provided for loan amount above limit for prime loan<br> Comments Need exception for loan amount over prime limit - loan amount is at [redacted]. fico 705 - Due Diligence Vendor-12/08/2022 <br> Ready for Review-Document Uploaded. UW Exception uploaded. Please, review it. - Seller-12/08/2022 <br> Counter-no form uploaded for waiver. Please upload - Due Diligence Vendor-12/07/2022 <br> Ready for Review-UW Exception uploaded. Please, review it. - Seller-12/06/2022 <br> Open-Audited Loan Amount of [redacted] is greater than the Guideline Maximum Loan Amount of $1000000 As per rate sheet Audited Loan Amount exceeds the Guideline Maximum Loan Amount. Max loan amount for 80% at current credit score is [redacted] - Due Diligence Vendor-11/28/2022 | Ready for Review-Document Uploaded. UW Exception uploaded. Please, review it. - Seller-12/08/2022 <br>Ready for Review-UW Exception uploaded. Please, review it. - Seller-12/06/2022<br>| Waived-waiver provided for loan amount above limit for prime loan<br> Comments Need exception for loan amount over prime limit - loan amount is at 79LTV = $1,140,000. fico 705 - Due Diligence Vendor-12/08/2022<br>|  | Several income sources and DTI below 45%, 5 years on current job, DTI >=10% lower than loan program, Credit score<br> >40% than minimum required, Borrower contribution exceeds requirement >=5% | 1031202_LA Exception Form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 748053 |
| XXXXXXX_PRP_2023-NQM1-118 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-119 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-120 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-121 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_PRP_2023-NQM1-122 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-123 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-124 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-125 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-126 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-127 |  |  | B | B | A | A | A | A | B | B | Closed | FVAL7199 | 2022-12-06 04:12 | 2022-12-06 04:12 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Appraisal Expired | Waived-Found [redacted] Exception form in Pg 4 states "appraisal over 60 days old", as per guidelines Appraisals should not include comparable greater than six (6) months old at the time of<br> underwriter review. If comparable are more than 6 months old, an explanation from the appraiser is required. - Due Diligence Vendor-12/06/2022 |  | Waived-Found A &D Exception form in Pg 4 states "appraisal over 60 days old", as per guidelines Appraisals should not include comparable greater than six (6) months old at the time of<br> underwriter review. If comparable are more than 6 months old, an explanation from the appraiser is required. - Due Diligence Vendor-12/06/2022<br>|  | Revolving debt is under 30%, 5 years on current job, 10 years or more in same line of employment, No credit events past 48 months, 5+ years credit history, No consumer late payments in last 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Purchase | NA | Originator Pre-Close | Yes | 758554 |
| XXXXXXX_PRP_2023-NQM1-128 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | NY | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_PRP_2023-NQM1-129 |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA |  |  |  |

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## Exhibit 99.9

**Exhibit 99.9 Schedule 3**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-9sch3_001.jpg) | ![](ex99-9sch3_001.jpg) | ![](ex99-9sch3_001.jpg) | ![](ex99-9sch3_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **PRP 2023-NQM1_V2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 1/13/2023 15:00:00 PM** | **Run Date - 1/13/2023 15:00:00 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Loan ID** | **Investor ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| XXXXXXX_PRP_2023-NQM1-1 |  | XXXXXXX_PRP_2023-NQM1-1 | [redacted] | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-2 |  | XXXXXXX_PRP_2023-NQM1-2 | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-3 |  | XXXXXXX_PRP_2023-NQM1-3 | [redacted] | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-4 |  | XXXXXXX_PRP_2023-NQM1-4 | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-5 |  | XXXXXXX_PRP_2023-NQM1-5 | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-6 |  | XXXXXXX_PRP_2023-NQM1-6 | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-7 |  | XXXXXXX_PRP_2023-NQM1-7 | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-8 |  | XXXXXXX_PRP_2023-NQM1-8 | [redacted] | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-9 |  | XXXXXXX_PRP_2023-NQM1-9 | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-10 |  | XXXXXXX_PRP_2023-NQM1-10 | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-11 |  | XXXXXXX_PRP_2023-NQM1-11 | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-12 |  | XXXXXXX_PRP_2023-NQM1-12 | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-13 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-14 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-15 |  |  | [redacted] | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-16 |  |  | [redacted] | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-17 |  |  | [redacted] | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-18 |  |  | [redacted] | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXXX_PRP_2023-NQM1-19 |  | XXXXXXX_PRP_2023-NQM1-19 | [redacted] | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-20 |  | XXXXXXX_PRP_2023-NQM1-20 | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| XXXXXXX_PRP_2023-NQM1-21 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-22 |  |  | [redacted] | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-23 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-24 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-25 |  |  | [redacted] | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-26 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-27 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-28 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-29 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-30 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-31 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-32 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-33 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-34 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-35 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-36 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-37 |  |  | [redacted] | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-38 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-39 |  |  | [redacted] | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXXX_PRP_2023-NQM1-40 |  |  | [redacted] | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-41 |  |  | [redacted] | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-42 |  |  | [redacted] | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-43 |  |  | [redacted] | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-44 |  |  | [redacted] | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXXX_PRP_2023-NQM1-45 |  |  | [redacted] | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXXX_PRP_2023-NQM1-46 |  |  | [redacted] | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-47 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-48 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-49 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-50 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-51 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-52 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-53 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-54 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-55 |  |  | [redacted] | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-56 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-57 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-58 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-59 |  |  | [redacted] | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-60 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-61 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-62 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-63 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-64 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-65 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-66 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-67 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-68 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-69 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-70 |  |  | [redacted] | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-71 |  |  | [redacted] | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXXX_PRP_2023-NQM1-72 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-73 |  |  | [redacted] | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-74 |  |  | [redacted] | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXXX_PRP_2023-NQM1-75 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-76 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-77 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-78 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-79 |  |  | [redacted] | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXXX_PRP_2023-NQM1-80 |  |  | [redacted] | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-81 |  |  | [redacted] | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-82 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| XXXXXXX_PRP_2023-NQM1-83 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-84 |  |  | [redacted] | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-85 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-86 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-87 |  |  | [redacted] | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XXXXXXX_PRP_2023-NQM1-88 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-89 |  |  | [redacted] | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-90 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| XXXXXXX_PRP_2023-NQM1-91 |  |  | [redacted] | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-92 |  |  | [redacted] | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-93 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-94 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-95 |  |  | [redacted] | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-96 |  |  | [redacted] | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-97 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-98 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-99 |  |  | [redacted] | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXXX_PRP_2023-NQM1-100 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-101 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-102 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-103 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-104 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-105 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-106 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-107 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-108 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-109 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| XXXXXXX_PRP_2023-NQM1-110 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXXX_PRP_2023-NQM1-111 |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.9

**Exhibit 99.9 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-9sch4_001.jpg) | ![](ex99-9sch4_001.jpg) | ![](ex99-9sch4_001.jpg) | ![](ex99-9sch4_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **VALUATION REPORT** | **VALUATION REPORT** | **VALUATION REPORT** | **VALUATION REPORT** | **VALUATION REPORT** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **PRP 2023-NQM1_V2** | **PRP 2023-NQM1_V2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 1/13/2023 15:00:00 PM** | **Run Date - 1/13/2023 15:00:00 PM** | **Run Date - 1/13/2023 15:00:00 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **SECOND APPRAISAL VALUE** |  |  |  |  | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **COLLATERAL UNDERWRITER SCORES** | **COLLATERAL UNDERWRITER SCORES** | **COLLATERAL UNDERWRITER SCORES** |
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Value for LTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXXXXX_PRP_2023-NQM1-1 | XXXXXXX_PRP_2023-NQM1-1 |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | 3000.0 | .007 | 91 |  | CMV |  | 09-15-2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing |  |
| XXXXXXX_PRP_2023-NQM1-2 | XXXXXXX_PRP_2023-NQM1-2 |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | -22000.0 | -.021 | 86 | . | CMV |  | 12-07-2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-3 | XXXXXXX_PRP_2023-NQM1-3 |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.022 | RRR | 12-17-2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-4 | XXXXXXX_PRP_2023-NQM1-4 |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.397 | 50 | 0.5 | CMV |  | 12-07-2021 |  |  |  |  |  |  |  |  |  |  |  | XX | XX | .055 | RRR | 12-09-2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-5 | XXXXXXX_PRP_2023-NQM1-5 |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .237 | 78 |  | Other |  | 12-23-2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX_PRP_2023-NQM1-6 | XXXXXXX_PRP_2023-NQM1-6 |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .017 | 97 |  | Other |  | 12-23-2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-7 | XXXXXXX_PRP_2023-NQM1-7 |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.013 | 84 |  | CMV |  | 12-23-2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-8 | XXXXXXX_PRP_2023-NQM1-8 |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .007 | 90 |  | CMV |  | 03-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-9 | XXXXXXX_PRP_2023-NQM1-9 |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.091 | 92 | 0.08 | Other |  | 04-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-10 | XXXXXXX_PRP_2023-NQM1-10 |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.006 | 91 |  | Collateral Analytics |  | 04-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-11 | XXXXXXX_PRP_2023-NQM1-11 |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .213 | 91 |  | Collateral Analytics |  | 04-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-12 | XXXXXXX_PRP_2023-NQM1-12 |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .186 | 93 | 0.07 | Collateral Analytics |  | 05-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-13 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .189 | 83 | .17 | Collateral Analytics |  | 04-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-14 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .000 | ProTeck | Reasonable | 05-26-2022 |  |  |  |  |  | XX | XX | -.129 | RRR | 05-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-15 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.096 | 90 | 0.1 | Collateral Analytics |  | 05-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-16 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .178 | 96 | 0.04 | Collateral Analytics |  | 05-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-17 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .034 | 95 | 0.05 | Collateral Analytics |  | 05-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-18 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-19 | XXXXXXX_PRP_2023-NQM1-19 |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.008 | 95 | 0.05 | VeroValue |  | 05-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-20 | XXXXXXX_PRP_2023-NQM1-20 |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-21 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .202 | 94 | 0.06 | Collateral Analytics |  | 06-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-22 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .012 | 97 |  | Collateral Analytics |  | 06-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-23 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .005 | 91 | 0.09 | Collateral Analytics |  | 06-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-24 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .157 | 93 |  | Collateral Analytics |  | 06-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-25 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | .057 | RRR | 07-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-26 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.089 | 92 | 0.08 | Collateral Analytics |  | 07-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-27 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.065 | 82 | 0.18 | Collateral Analytics |  | 07-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-28 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.213 | 78 | 0.22 | Collateral Analytics |  | 07-06-2022 |  |  |  |  |  |  |  |  |  |  |  | XX | XX | .113 | RRR | 07-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-29 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.057 | 75 | 0.25 | Collateral Analytics |  | 07-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-30 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .048 | 79 | 0.21 | Collateral Analytics |  | 07-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-31 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .028 | 88 | 0.12 | Collateral Analytics |  | 07-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-32 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .136 | 94 | 0.06 | Collateral Analytics |  | 07-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-33 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-34 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-35 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .019 | 98 | 0.02 | VeroValue |  | 07-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.7 |
| XXXXXXX_PRP_2023-NQM1-36 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-37 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-38 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-39 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-40 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .010 | 96 | 0.04 | VeroValue |  | 09-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| XXXXXXX_PRP_2023-NQM1-41 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-42 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.022 | 98 | 0.02 | VeroValue |  | 09-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| XXXXXXX_PRP_2023-NQM1-43 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .000 | Pro Tek Valuation | Reasonable | 09-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| XXXXXXX_PRP_2023-NQM1-44 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-45 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.007 | 97 | 0.03 | VeroValue |  | 09-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-46 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_PRP_2023-NQM1-47 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-48 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| XXXXXXX_PRP_2023-NQM1-49 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-50 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-51 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .000 | Pro Tek Valuation | Reasonable | 10-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| XXXXXXX_PRP_2023-NQM1-52 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-53 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_PRP_2023-NQM1-54 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-55 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-56 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-57 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-58 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| XXXXXXX_PRP_2023-NQM1-59 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-60 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-61 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-62 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-63 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.009 | 97 | 0.03 | VeroValue | VeroValue AVM | 10-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-64 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-65 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-66 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-67 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-68 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-69 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_PRP_2023-NQM1-70 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.010 | 97 | 0.03 | VeroValue | iAVM | 10-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-71 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-72 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_PRP_2023-NQM1-73 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_PRP_2023-NQM1-74 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.041 | 93 | 0.07 | VeroValue | VeroValue AVM | 10-18-2022 | XX | 0.0 | .000 | Pro Tech | REASONABLE | 11-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_PRP_2023-NQM1-75 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .015 | 98 | 0.02 | VeroValue | VeroValue AVM | 11-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| XXXXXXX_PRP_2023-NQM1-76 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_PRP_2023-NQM1-77 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-78 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| XXXXXXX_PRP_2023-NQM1-79 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-80 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .065 | 98 | 0.02 | VeroValue | VeroValue AVM | 10-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-81 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .000 | Clear Capital | Low Risk | 12-10-2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-82 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .013 | 98 | 0.02 | VeroValue | VeroValue AVM | 10-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.2 |
| XXXXXXX_PRP_2023-NQM1-83 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .019 | 90 | 0.1 | VeroValue | VeroValue AVM | 10-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_PRP_2023-NQM1-84 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .025 | 90 | 0.1 | Collateral Analytics | CA IAVM | 10-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_PRP_2023-NQM1-85 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_PRP_2023-NQM1-86 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | XX | XX | -.279 | 71 | 0.29 | Collateral Analytics | CA IAVM | 11-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| XXXXXXX_PRP_2023-NQM1-87 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_PRP_2023-NQM1-88 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.024 | 88 | 0.12 | VeroValue | VeroValue AVM | 10-27-2022 | XX | 0.0 | .000 | PROTECK | Reasonable | 10-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_PRP_2023-NQM1-89 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-90 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .015 | 94 | 0.06 | VeroValue | VeroValue AVM | 11-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-91 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .129 | 92 | 0.08 | VeroValue | VeroValue AVM | 11-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| XXXXXXX_PRP_2023-NQM1-92 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-93 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_PRP_2023-NQM1-94 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-95 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .028 | 96 | 0.04 | VeroValue | VeroValue AVM | 11-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-96 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_PRP_2023-NQM1-97 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.003 | 95 | 0.05 | VeroValue | VeroValue AVM | 11-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| XXXXXXX_PRP_2023-NQM1-98 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.014 | 95 | 0.05 | VeroValue | VeroValue AVM | 11-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-99 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .026 | 96 | 0.04 | VeroValue | VeroValue AVM | 11-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_PRP_2023-NQM1-100 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.074 | 97 | 0.03 | Collateral Analytics | CA IAVM | 11-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_PRP_2023-NQM1-101 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .103 | 63 | 0.37 | Collateral Analytics | CA IAVM | 11-11-2022 | XX | 0.0 | .000 | PROTECK | Excellent | 11-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_PRP_2023-NQM1-102 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .000 | Proteck Valuation Intelligence | Reasonable | 10-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| XXXXXXX_PRP_2023-NQM1-103 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .000 | Proteck Valuation Intelligence | Reasonable | 11-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-104 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.002 | 97 | 0.03 | VeroValue | VeroValue AVM | 11-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-105 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .010 | 98 | 0.02 | VeroValue | VeroValue AVM | 11-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-106 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| XXXXXXX_PRP_2023-NQM1-107 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | .015 | 94 | 0.06 | VeroValue | VeroValue AVM | 11-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-108 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_PRP_2023-NQM1-109 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XX | XX | -.004 | 97 | 0.03 | VeroValue | VeroValue AVM | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_PRP_2023-NQM1-110 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX_PRP_2023-NQM1-111 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.10

**Exhibit 99.10**

![](ex99-10_001.jpg)

**Selene Diligence LLC ("Selene")** 

**Due Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

**(1) Type of assets that were reviewed.**

Selene Diligence LLC ("Selene") performed certain due diligence services described below on residential mortgage loans obtained by PRP-LB 2023-NQM1, LLC ("Client"). The review was conducted between July 2022 through November 2022 via files imaged and provided for review (the "Review").

**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 2 ATR-QM Exempt loans and 2 Non-QM loans for a total of 4 loans the "Final Securitization Population".

*<u>Credit Reviews (4):</u>*

During the Review, Selene performed a credit review on 4 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (4)</u>*

During the Review, Selene performed a compliance review on 4 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (4):</u>*

During the Review, Selene performed a property valuation review on 4 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (4):</u>*

During the Review, Selene performed a Data Integrity Review on 4 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 4 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |

---

**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings and DBRS, Inc. ("NRSRO(s)").

**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

**(5) Origination of the assets and conformity to stated underwriting or credit extension Guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting Guidelines and compared the documentation in the loan file against the stated Guidelines for adherence.

**<u>GUIDELINES</u>**

A&D Non-QM Loan Eligibility Guidelines and 5<sup>th</sup> Street Capital Non-QM Loan Eligibility Guidelines **(collectively the "Guidelines")** 

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **15**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements to determine whether
funds to close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, Sections 1098 and 1100A of Dodd Frank, and Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

• **Original Appraisal Assessment** 

&nbsp;&nbsp;&nbsp;&nbsp;Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **15**

**DATA INTEGRITY REVIEW**

Selene uploaded tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Reviewer collects validated loan data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each
received data point is compared to its counterpart collected data point; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 4 mortgage loans, (ii) a Compliance Review on 4 mortgage loans (iii) a Valuation Review on 4 mortgage loans, and (iv) a Data Integrity Review on 4 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 4 mortgage loans; 1 mortgage loan had a rating grade of A, 3 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**Grades per loan (4 overall loans):** | &nbsp;&nbsp;**Grades per loan (4 overall loans):** | &nbsp;&nbsp;**Grades per loan (4 overall loans):** | &nbsp;&nbsp;**Grades per loan (4 overall loans):** | &nbsp;&nbsp;**Grades per loan (4 overall loans):** | &nbsp;&nbsp;**Grades per loan (4 overall loans):** | &nbsp;&nbsp;**Grades per loan (4 overall loans):** |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** |  | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;75% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

---

Page **4** of **15**

&nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:***<br>

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;75% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

---

---

| | | | |
|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Page **5** of **15**

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **15**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension Guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client.

**<u>Non-QM Scope</u>**

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. The monthly consumer debt payments for use in the debt to income and/or residual income calculation, as
applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Noted the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gathered data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the Guidelines is in the file and note indications of potentially fraudulent documents. The documentation will also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable Guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **15**

**Asset Review**

Selene assessed whether the asset documentation required by the Guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also performed. Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verified that the hazard insurance meets the minimum required amount of coverage in the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirmed that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirmed that flood insurance in the file meets
the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, when required, Selene looked for an independent, third-party fraud report in each file and reviewed the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan did not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

Page **8** of **15**

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

2. Reviewed for any social security number variations for the borrowers and confirmed that the variations have been addressed in the loan file;

3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirmed that any issues have been addressed in the loan file;

4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan file;

5. Reviewed for any additional consumers associated with the borrowers' profiles and confirmed the materiality and material issues have been addressed in the loan file; and

6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene reviewed the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the Guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verification that there is appropriate documentation present to confirm that applicable documents have
been recorded or have been sent for recording.

**<u>DSCR Scope</u>**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Loan Review Scope** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Borrower Qualifications** 

Selene reviewed each loan file to determine whether it contains the following borrower documents and if they adhere to the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Evidence of public record search (Thomson Reuters CLEAR)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Evidence of asset location searches for additional real estate transactions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Borrowers Questionnaire is completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Schedule of RE owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Personal Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Background Search

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Personal Financial Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Liquidity and Net Worth Verification Documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Credit Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Review OFAC reports for any findings

Page **9** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Borrowing Entity Qualifications** 

Selene reviewed each loan file to determine whether it contains the following entity documents and if they adhere to the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Evidence of public record search (Thomson Reuters CLEAR) and applicable Sec. of State evidence of good
standing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Evidence of asset location searches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Business Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Business Financials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Articles of Incorporation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Bylaws/Operating agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Resolution to take on Debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Organizational Chart

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Credit Approval Memo

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Property Manager Entity Qualifications** 

Selene reviewed each loan file to determine that property manager entity is incorporated and operated in the United States with bank accounts located in U.S. state and federally chartered bank accounts.

&nbsp;&nbsp;&nbsp;&nbsp;**2.**  **<u>Individual Property Scope</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Business Purpose Loan Affidavit** 

Selene reviewed each loan file to determine whether a usiness Purpose Loan is present and properly executed.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Lease Review** 

Selene reviewed each loan file to determine whether each property contains a valid lease and determine if it is executed in compliance with the Guidelines, including a review of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each lease has been executed by the applicable tenant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm tenant is a natural person

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each lease contains the monthly rental payment, commencement and expiration dates, and term and remaining
term are in compliance with the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the loan file to ensure that the value meets the Guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the Guidelines. Specifically, Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirmed the appraisal is the correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed property condition and type; confirm it meets Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed that value meets the minimum/maximum per the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirmed "as is" and "subject to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed sales comparables and adjustments for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For multifamily properties: reviewed the appraiser's cash flow assumptions, rent comparables, cap rate selection and value reconciliation

Page **10** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each loan file to ensure that the property, flood, and hazard insurance policies are in compliance with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

Selene reviewed each loan file to determine whether it contained the following collateral documents and if they are in compliance with the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental Income Verification (proof of lease payments that demonstrate minimum 90% of scheduled gross rents for the previous two-month
period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each loan file to determine whether it contained the following financial documents and if they are in compliance with the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent Roll:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirmed monthly rents are populated correctly at the loan level and portfolio level

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirmed Rent verification – proof of lease payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirmed vacancy is within Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating Statements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirmed expenses within range, per the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirmed taxes, insurance and HOA are populated at loan level and within range at portfolio level per the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirmed CapEx meets Guidelines for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirmed annual maintenance fees meet Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirmed property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirmed the DSCR meets program Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property Management Agreement / Tri Party Agreement if no property manager

Page **11** of **15**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

Page **12** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator organization
 and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security
 instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page **13** of **15**

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene reviewed the Non-QM mortgage loans to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviewed the Non-QM mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

Page **14** of **15**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, as applicable (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the Guidelines restrictions, and (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client was notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene made a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene reviewed the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are
not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily
licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal
reviews" for purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding
that Selene may have reviewed valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management
company) and therefore Selene does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not a 'creditor' within the meaning
of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual
consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;o Selene does not confirm whether the appraiser is on the Freddie
Mac exclusionary list.

Page **15** of **15**

## Exhibit 99.10

**Exhibit 99.10 Schedule 1**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | XXXX | All Borrower Total Income | the1003Page | 0 | -2636.57 | The loan is a DSCR. Income is not required. A finding was created. |
| XXXX |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | QualifyingFICO is correct per credit report |
| XXXX |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.11 | 53.64 | Qualifying Total Debt Income Ratio- Calculated DTI is 43.05 and is matching with 1008 |
| XXXX |  | XXXX | Loan Program | the1003Page | Full Doc Program | NCA56S I/O H | Loan Program Confirmed |
| XXXX |  | XXXX | Loan Program | the1003Page | Full Doc Program | NCA56S N | Loan Program is considered from the drop-down functionality, as per approval loan program is accurate |
| XXXX |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | True Data is accurate as per DOT Page 263 and 1008 Page 5 |
| XXXX |  | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Occupancy type is Investment, as per Loan Program True Data is accurate |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xxx6690 |  | XXXX | XX C A B |
| xxxxxx9194 |  | XXXX | XX D C A B |
| xxxxxx0622 |  | XXXX | XX B D A |
| xxxxxx1091 |  | XXXX | XX C A |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | xxx6690 |  |  | Closed | 2022-07-05 21:28 | 2022-07-11 18:06 | Resolved | 1 - Information C A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | Resolved-Updated Data Tape has been provided and reviewed. Management has been informed. - Due Diligence Vendor-07/11/2022 <br>Ready for Review-Updated Data Tape has been provided and reviewed. Management has been informed. - Due Diligence Vendor-07/11/2022 <br>Ready for Review-Document Uploaded. - Seller-07/08/2022 <br>Open-1. The Final 1003 show the Number of Units as 1, Data Tape shows the @ symbol. <br> 2. The True Data DSCR is 1.06 and the Tape Data is 1.07. <br> 3. The loan is a DSCR. Income is not required. - Due Diligence Vendor-07/05/2022 | Ready for Review-Document Uploaded. - Seller-07/08/2022<br>| Resolved-Updated Data Tape has been provided and reviewed. Management has been informed. - Due Diligence Vendor-07/11/2022<br>| Tape NON QM_JUNE_7-01 XXXX.xlsx |  |  | FL | Investment | Purchase | NA | 530156 | N/A | N/A |
| XXXX | xxx6690 |  |  | Closed | 2022-07-05 21:19 | 2022-07-05 21:20 | Waived | 2 - Non-Material B | Credit | Doc Issue | Credit Score Exception Notice is Incomplete | Waived-There is a Loan Exception on page 113 & 125 Borrower approving Not meeting Standard Tradelines with the following details.<br> Exception Type Material: Credit<br> Short Description: The underwriter request change format<br> Comments The exception have to specify "Not meeting Standard Tradelines"<br> Exception Type Material: Credit<br> Short Description: Credit events (24 months)<br> Comments: The borrower can put down additional 5% if required<br>- Due Diligence Vendor-07/05/2022 |  | Waived-There is a Loan Exception on page 113 & 125 Borrower approving Not meeting Standard Tradelines with the following details.<br> Exception Type Material: Credit<br> Short Description: The underwriter request change format<br> Comments The exception have to specify "Not meeting Standard Tradelines"<br> Exception Type Material: Credit<br> Short Description: Credit events (24 months)<br> Comments: The borrower can put down additional 5% if required<br>- Due Diligence Vendor-07/05/2022<br>|  |  | The Compensating Factors are No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months and Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late payments in last 48 months. | FL | Investment | Purchase | NA | 530138 | Originator Post-Close | Yes |
| XXXX | xxxxxx9194 |  |  | Closed | 2022-10-27 21:35 | 2022-11-02 13:37 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-DTIs in line after updated Liabilities - Due Diligence Vendor-11/02/2022 <br>Ready for Review-Document Uploaded. No PPP on loan, see PCCD sent removing. - Seller-11/01/2022 <br>Open-DTIs not in line - potentially due to missing PPP information, please provide PPP addendum. - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. No PPP on loan, see PCCD sent removing. - Seller-11/01/2022<br>| Resolved-DTIs in line after updated Liabilities - Due Diligence Vendor-11/02/2022<br>| XXXX - PCCD Removing PPP.pdf |  |  | AZ | Primary Residence | Purchase | NA | 712592 | N/A | N/A |
| XXXX | xxxxxx9194 |  |  | Closed | 2022-10-27 08:45 | 2022-11-02 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. Initial and GAP credit attached, thank you. - Seller-11/01/2022 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. Initial and GAP credit attached, thank you. - Seller-11/01/2022<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/01/2022<br>| XXXX- GAP Credit and Orginal Credit.pdf |  |  | AZ | Primary Residence | Purchase | NA | 710742 | N/A | N/A |
| XXXX | xxxxxx9194 |  |  | Closed | 2022-10-27 08:45 | 2022-11-02 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. Initial and GAP Credit both attached. <br> Thanks - Seller-11/01/2022 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. Initial and GAP Credit both attached. <br> Thanks - Seller-11/01/2022<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-11/01/2022<br>| XXXX - GAP Credit and Orginal Credit.pdf |  |  | AZ | Primary Residence | Purchase | NA | 710743 | N/A | N/A |
| XXXX | xxxxxx9194 |  |  | Closed | 2022-11-01 20:24 | 2022-11-02 13:33 | Resolved | 1 - Information A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/02/2022 <br>Rescinded-Date entry error - Due Diligence Vendor-11/01/2022 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-11/01/2022 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/02/2022 <br>Rescinded-Date entry error - Due Diligence Vendor-11/01/2022<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 718822 | N/A | N/A |
| XXXX | xxxxxx9194 |  |  | Closed | 2022-11-01 20:24 | 2022-11-02 13:33 | Resolved | 1 - Information A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-11/02/2022 <br>Rescinded-Date entry error - Due Diligence Vendor-11/01/2022 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-11/01/2022 |  | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-11/02/2022 <br>Rescinded-Date entry error - Due Diligence Vendor-11/01/2022<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 718823 | N/A | N/A |
| XXXX | xxxxxx9194 |  |  | Closed | 2022-10-27 21:14 | 2022-11-01 20:27 | Resolved | 1 - Information C A | Compliance | Compliance | Missing prepayment penalty documentation; unable to complete the state high-cost fee test | Resolved-PPP Removed per CoC and PCCD - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. No PPP on loan, see PCCD sent removing. - Seller-11/01/2022 <br>Counter-Please provide the Prepayment Penalty Addendum - Due Diligence Vendor-10/31/2022 <br>Ready for Review-Apologies, please disregard this attachment. - Seller-10/28/2022 <br>Open-PPP Addendum missing from file, please provide. - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. No PPP on loan, see PCCD sent removing. - Seller-11/01/2022 <br>Ready for Review-Apologies, please disregard this attachment. - Seller-10/28/2022<br>| Resolved-PPP Removed per CoC and PCCD - Due Diligence Vendor-11/01/2022<br>| XXXX - Occupancy Cert and Escrow Ammendment.pdf<br> XXXX - PCCD Removing PPP.pdf |  |  | AZ | Primary Residence | Purchase | NA | 712535 | N/A | N/A |
| XXXX | xxxxxx9194 |  |  | Closed | 2022-10-27 09:23 | 2022-10-31 12:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception to allow LTV of 79.461% vs Guideline of 65% LTV - Due Diligence Vendor-10/31/2022 <br>Ready for Review-Document Uploaded. Lender exception for LTV, attached. <br> Thank you - Seller-10/28/2022 <br>Open-Audited LTV of 79.46% exceeds Guideline LTV of 65% - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. Lender exception for LTV, attached. <br> Thank you - Seller-10/28/2022<br>| Waived-Exception to allow LTV of XXXX% vs Guideline of 65% LTV - Due Diligence Vendor-10/31/2022 | XXXX - Lender Exception - LTV.pdf |  | 6+ months of reserves - 22.67 months<br> High Discretionary income -$XXXX<br> FICO XXXX<br> Number of years on job - 6 years, 100% owner of XX<br> Housing History 0 X 30 for 12+months | AZ | Primary Residence | Purchase | NA | 710761 | Originator Pre-Close | Yes |
| XXXX | xxxxxx9194 |  |  | Closed | 2022-10-27 11:50 | 2022-10-31 11:57 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract is Expired | Resolved-Doc received to clear expiration - property is new construction - resolved - Due Diligence Vendor-10/31/2022 <br>Ready for Review-Document Uploaded. See attached, new construction build. - Seller-10/28/2022 <br>Open-Purchase Contract provided in loan file is Expired - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. See attached, new construction build. - Seller-10/28/2022<br>| Resolved-Doc received to clear expiration - property is new construction - resolved - Due Diligence Vendor-10/31/2022<br>| XXXX - Occupancy Cert and Escrow Ammendment.pdf |  |  | AZ | Primary Residence | Purchase | NA | 710885 | N/A | N/A |
| XXXX | xxxxxx0622 |  |  | Closed | 2022-11-03 12:44 | 2022-11-10 00:25 | Waived | 2 - Non-Material B | Credit | Credit | CLTV/LTV exceeds guidelines | Waived-LTV to 75% - Due Diligence Vendor-11/10/2022 <br>Waived-There is exception presents in pgno 1 - Due Diligence Vendor-11/03/2022 |  | Waived-LTV to 75% - Due Diligence Vendor-11/10/2022 <br>Waived-There is exception presents in pgno 1 - Due Diligence Vendor-11/03/2022<br>|  |  | Years on job (4) , Years in Home (5), 12+ months reserves (XXXX), property in XX | CA | Primary Residence | Purchase | NA | 721790 | Originator Pre-Close | Yes |
| XXXX | xxxxxx0622 |  |  | Closed | 2022-11-03 12:25 | 2022-11-09 14:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD provided. CE is Elevated. Finding resolved. - Due Diligence Vendor-11/09/2022 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. Please note several of the pages with the original loan documents package were incorrect since the escrow docs we received were out of order, we did not issue a PCCD. Please see attached revised package. <br> Thank you. - Seller-11/08/2022 <br>Counter-please provide the final CD issued and dated 10/21/22 - CD uploaded is the PCCD which we have<br>Docs we have<br> Initial LE in file dated 9/13/22<br> Revised LE in file dated 9/28/22<br> Initial CD in file dated 10/11/22<br> Post close CD in file dated 10/25/22 - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. CD at Docs, attached. - Seller-11/04/2022 <br>Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure is missing - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. Please note several of the pages with the original loan documents package were incorrect since the escrow docs we received were out of order, we did not issue a PCCD. Please see attached revised package. <br> Thank you. - Seller-11/08/2022 <br>Ready for Review-Document Uploaded. CD at Docs, attached. - Seller-11/04/2022<br>| Resolved-Final CD provided. CE is Elevated. Finding resolved. - Due Diligence Vendor-11/09/2022 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/09/2022<br>| XX XX - CD signed at Docs.pdf<br> Closing CD 10.XX.22.pdf |  |  | CA | Primary Residence | Purchase | NA | 721775 | N/A | N/A |
| XXXX | xxxxxx1091 |  |  | Closed | 2022-11-03 10:39 | 2022-11-08 14:53 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of 10-15-2022 is prior to or equal to the Note Date of 10-XX-2022 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/08/2022 <br> Ready for Review-Document Uploaded. HOI, attached. - Seller-11/04/2022 <br> Open-Hazard Insurance Effective Date of 11-01-2022 is after the Note Date of 10-XX-2022 - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. HOI, attached. - Seller-11/04/2022<br>| Resolved-Hazard Insurance Effective Date of 10-15-2022 is prior to or equal to the Note Date of 10-XX-2022 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/08/2022 | XX_XX - HOI.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 721695 | N/A | N/A |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Borrower Name** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| xxx6690 | XXXX | XXXX |  | XXXX | XX | XX | XX | XX | 06-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| xxxxxx9194 | XXXX | XXXX |  | XXXX | XX | XX | XX | XX | 07-18-2022 | XX | XX | .013 | 07-14-2022 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx0622 | XXXX | XXXX |  | XXXX | XX | XX | XX | XX | 09-16-2022 | XX | XX | .003 | 09-16-2022 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx1091 | XXXX | XXXX |  | XXXX | XX | XX | XX | XX | 10-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .000 | Pro Teck | Reasonable | 10-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.11

**Exhibit 99.11**

![](ex99-11_001.jpg)

PRPM 2023-NQM1

## Opus Capital Markets Consultants, LLC
**Executive Narrative**

**January 25, 2023**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**Nomura Securities International, Inc.**

This report summarizes the results of a due diligence review performed on a pool of 3 loans for **PRP-LB 2023-NQM1, LLC** ("Client") of Opus Capital Markets Consultants, LLC. The Client provided Opus Capital Markets Consultants, LLC ("Consultant" or "Opus") with a data tape, which represented a 100% sample, and loaded into the Paragon<sup>®</sup> underwriting software. Consultant performed a detailed value and credit review on all loans. Since the loans submitted for review were DSCR, a compliance review was not completed.

As detailed herein, the 3 loans were DSCR loans and are re-underwritten in accordance with the lender guidelines for DSCR loans in terms of Exhibit B.

Opus was established in 2005 and acquired by Wipro Ltd in January 2014. Owls Partners acquired Opus December 2022.

EXHIBIT A

**Credit Review**

**Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In
lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements
of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant
to Client provided underwriting guidelines.

c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter
at origination to determine compliance with the Client provided underwriting guidelines.

d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements
for closing funds, reserves and borrower liquidity.

e) **Debt Ratio:** Recalculate the debt to income ratio and verify the ratio accuracy used by the loan underwriter at origination
to determine compliance with Client provided underwriting guidelines and regulatory requirements.

f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable
sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the
appraisal(s) meet the requirements of Client provided underwriting guidelines.

g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination
and meet Client provided underwriting guideline and regulatory requirements.

h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the
Client provided underwriting guideline requirements.

i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review**

**Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Title Commitment / Policy: Verify the presence of the title commitment or
final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Note / Security Instrument: Verify the presence of the mortgage
note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement
are present and duly executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed
of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present
and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title
company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review
and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent
document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document
was sent for recording.

&nbsp;&nbsp;&nbsp;&nbsp;· Conveyance Deed: Verify as applicable that a proper conveyance deed is present
in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Final Hud-1 Settlement Statement: If required, verify the presence of a
final HUD-1. Verify the completeness of required data and signatures or
certification depending upon state compliance requirements.

&nbsp;&nbsp;&nbsp;&nbsp;· Final Truth-in-Lending Disclosure: If required, verify the presence of a
final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: If required based on the specifics of the loan
transaction, confirm the presence and required execution of the Notice of Right to Cancel.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate: If required verify the presence of the current Loan Estimate
(LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;· Closing Disclosure: If required verify the presence of the current Closing
Disclosure (CD) at the time of origination.

**c) Credit Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial
and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Underwriting Worksheet: Verify the presence of the relative underwriting
worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower.
Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on
the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation: When Letters of Explanation are required by the
Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift Letters are required by the Client provided underwriting
guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of income and employment related
documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio
calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required
by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal
and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify the presence of insurance certificates for mortgage,
hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to
meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance**

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending. The review is conducted using both Paragon and Compliance Ease.

If applicable, the regulatory compliance review will be conducted in line with the most recently dated Structured Finance Association (SFA) TRID Compliance Review Scope.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Federal Truth in Lending Act/Regulation Z:** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Federal Truth in Lending Act/ Regulation Z:** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s). Further, a review of proper rescission model form usage will be conducted in accordance with Circuit Court ruling methodology related to use of the H8 vs. H9 forms on same lender rescindable transactions. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Opus will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business Days as Defined by Regulation Z

General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**c)** **MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Initial Delivery: Creditor must deliver the Initial Disclosures within 3 "general" business days of application

ii) No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving the Initial Disclosures

iii) 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific" business days prior to closing

iv) 3 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate. Closing may not occur until the 3rd "specific" business day after the consumer receives the corrected disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) APR on Final TIL: APR on Final TIL must be within tolerance 1/8 or ¼ of percent difference in APR based on regular or irregular
payment stream.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Home Ownership Equity Protection Act (HOEPA) testing, to include:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR test [HOEPA (§1026.32(a)(1))] ]

ii) If missing initial application, missing initial application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a six-month window prior to closing date for missing application date; and (2) all dates between application and closing for missing rate set date. A condition should be set to identify that the application date or rate lock date is missing and that alternative (look-back) testing was utilized. Other evidence in the file (e.g. date of initial disclosures, rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined by the Client on a case by case basis.

iii) Points and Fees test [HOEPA (§1026.32(a)(2))]

iv) Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) Review and confirm documentation type (i.e. full, stated, no ratio)

vi) Review for evidence of prepayment penalty

vii) Verification of Debt to Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Consultant system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement to be verified for all covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Federal Higher Priced Mortgage Loan Testing**, to include:

HPML(§1026.35(a)(1))] - A loan will be considered a Higher Priced Mortgage Loan if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on Conforming First Liens, 2.50% for Jumbo First Liens and 3.50% or more percentage points on Second Liens.

Escrow Requirement - Loans that fall under the guidelines of a Higher Priced Mortgage Loan (HPML) will require escrow accounts to be in place for the first five years of the transaction. A loan will be considered a Higher Priced Mortgage Loan based on the guidelines shown above (HPML Testing – APR)

HPML Appraisal Rule - An HPML designation also requires additional appraisal requirements. Requirements include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Three-day disclosure from application of the right to a free copy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written appraisal from certified or licensed appraiser

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interior inspection

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Delivery of copies no later than three days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If the property falls under the 'flipping' definition, a second
appraisal is required and must document:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The difference in the original sales price and the subsequent sales price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Changes in market conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property improvements

There is additional responsibility for providing copies of ALL documentation used in the valuation of the property, not just the final appraisal, and requirements for full appraisals, versus other forms of valuations. System enhancements have also been made to require verification of documentation and acknowledgement by the reviewer of evidence supporting the new requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**f)** **RESPA/Regulation X** (Loans with an Application Date prior to 10/03/2015):

Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will confirm compliance with current RESPA requirements in effect
at origination of the Mortgage Loan including the presence of the current GFE form in effect at the time of origination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Verify the GFE was provided to the borrower(s) within three days of "Application".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application shall be defined by Regulation X and generally be considered
complete when the following seven conditions are met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Borrower(s) First and Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Subject Property Address (including "To Be Determined")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Mortgage Loan Amount Sought

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Estimation of Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Monthly Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Any other requirement as defined in the lender's policies and procedures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will verify that all Broker fees, including Yield Spread Premium
("YSP") were accurately disclosed and reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fees will be reviewed to ensure they are reasonable and customary fees for
the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location
on the document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to determine whether a Changed Circumstance form is required to
accompany each revised Good Faith Estimate (GFE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Change of Circumstance Definition:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Acts of God, war, disaster or other emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Information particular to borrower or transaction that was relied on in providing the GFE and that changes or is found to be inaccurate
after GFE has been provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. New information particular to the borrower or transaction that was not relied on in providing the GFE; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Other circumstances that are particular to borrower or transaction, including boundary disputes, need for flood insurance or environmental
problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. In the event any of the above occurs, the loan originator is required to provide a new revised GFE to the borrower within 3 business
days of receiving information sufficient to establish "changed circumstances" and document the reason the revised GFE was
provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Rate Locks: If the rate has not been locked by the borrower or a locked rate has expired, the charge or credit for rate chosen, adjusted
origination charges, per diem interest and loan terms related to the rate may change. If borrower later locks the rate, a new GFE must
be provided showing the revised rate-dependent charges and terms. All other charges and terms must remain the same as on the original
GFE, except as otherwise provided above for "changed circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final HUD-1: Consultant will confirm compliance with current RESPA requirements
in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the current applicable Final HUD-1 form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Final HUD-1 accurately lists all broker and YSP fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE) and Final HUD-1 Analysis: Confirm compliance
with current RESPA requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Credit or Charge for Interest Rate Chosen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Adjusted Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Transfer Taxes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Lender-required settlement services (lender selects third-party provider);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Lender-required services, title services and required title insurance, and owner's title insurance, when the borrower uses a settlement service provider identified by the loan originator; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Government recording charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm all fees are accurately reflected in the correct tolerance
category on the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm lender accurately provided borrower adequate restitution
in the event of tolerance violations and timelines for restitution/document correction were adhered to

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm loan terms are accurately disclosed between the Good
Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm page 3 of the HUD-1 accurately reflects fees disclosed
on the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**g)** **QM / ATR (Qualified Mortgage / Ability to Repay)** 

**QM/ ATR (qualified mortgage / ability to repay) dodd frank review (loans with application date on or after 01/10/2014) covers Legacy QM Rules (applications on or after 01/10/2014) – elective compliance date of Revised QM Rules (applications on or after 3/1/2021) and mandatory of Revised QM Rules (applications on or after 10/1/2022) Ability-to-Repay**

Supplier shall incorporate checkpoints for the ATR's eight verification steps for any origination QC work in accordance with 12 CFR 1026.43 (c). Supplier has the option to run ATR checks on any transactions subject to QM that falls outside the ability to meet QM guidelines, whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the ability to be screened for ATR if the QM testing fails or the loan is exempt from QM.

As a part of any ATR check, consultant is required to verify all information within the scope of the eight verification steps before an ATR loan can pass:

&nbsp;&nbsp;&nbsp;&nbsp;· Income and assets

&nbsp;&nbsp;&nbsp;&nbsp;· Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;· Monthly qualifying mortgage payment for the proposed loan

&nbsp;&nbsp;&nbsp;&nbsp;· Monthly qualifying mortgage payment for the simultaneous loan

&nbsp;&nbsp;&nbsp;&nbsp;· Monthly payment on the same property for payments for taxes, insurance and
HOA, etc.

&nbsp;&nbsp;&nbsp;&nbsp;· Debts, alimony and child support

&nbsp;&nbsp;&nbsp;&nbsp;· Qualifying monthly DTI and residual income

&nbsp;&nbsp;&nbsp;&nbsp;· Credit history

If all the verifications are made and each of the eight topic areas is confirmed to agree with the representations made by the lender, and there are no credit exceptions to the lender's guidelines, the loan will pass the ATR test. If any of the conditions fail or the loan lacks the documentation to support the stated values in any of the areas, affected items will not be considered verified and the loan will be subject to failing the ATR test.

ATR results will be reported as ATR-Pass, ATR-Fail or ATR-Exempt. This reporting is in addition to the existing credit and compliance related reporting by Supplier.

**Qualified Mortgage**

Supplier's scope includes review of all available QM types in accordance with 12 CFR 1026.43(e)(2),(e)(3) and (e)(4).

&nbsp;&nbsp;&nbsp;&nbsp;· Legacy QM (for applications taken on or after January 10, 2014 until September
30, 2022);

&nbsp;&nbsp;&nbsp;&nbsp;· Revised QM (for applications taken on or after March 1, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;· Agency QM (for applications taken on or after January 10, 2014 until June
30, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;· Agency QM with APOR (for applications taken on or after July 1, 2021); and

&nbsp;&nbsp;&nbsp;&nbsp;· Government QM (for applications taken on or after January 10, 2014); and

**Generally Applicable Factors.** The following factors are reviewed for Legacy, Revised and Agency QM categories:

&nbsp;&nbsp;&nbsp;&nbsp;· **Regular Payments**. Provides for regular periodic payments that are
substantially equal, except for the effect of certain interest rate changes for adjustable or step rates.

&nbsp;&nbsp;&nbsp;&nbsp;· **Term**. Loan term does not exceed 30 years.

&nbsp;&nbsp;&nbsp;&nbsp;· **Points and Fees**. Points and fees do not exceed the applicable threshold
for the appropriate loan amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **QM Rules Points and Fees Testing.** In accordance with 12 CFR 1026.43(b)(1),
points and fees include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Finance charges, unless excluded;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ The portion of upfront private mortgage insurance that exceeds FHA premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan originator compensation – Compensation/YSP known at the time
of the consummation will be included but Supplier does not review lender or broker compensation programs as part of its QM testing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real estate-related fees if the creditor receives direct or indirect compensation
in connection with the fee or charge, the fee or charge is paid to a creditor affiliate or the fee or charge is not reasonable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Premiums for credit insurance, credit property insurance, and other insurances
where the creditor is the beneficiary, debt cancellation or suspension coverage payments;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Maximum prepayment penalty; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Prepayment penalty paid in a refinance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Points and fees exclude:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bona fide third-party charges not retained by the creditor;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Government mortgage insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Private mortgage insurance premiums up to an amount equal to government
insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Up to two bona fide discount points if the interest rate before the discount
does not exceed APOR by 1%; if no discount points excluded up to one bona fide discount point if the loan's interest rate before
the discount does not exceed APOR by 2%; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Sellers points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o In accordance with 12 CFR 1026.43(e)(3), a loan is a QM loan if the points
and fees do not exceed (values marked with "\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 3 percent of the total loan amount for a loan greater than or equal to $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ $3,000\* for a loan greater than or equal to $60,000\* but less than $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 5 percent of the total loan amount for a loan greater than or equal to $20,000\*
but less than $60,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ $1,000\* for a loan greater than or equal to $12,500\* but less than $20,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 8 percent of the total loan amount for a loan less than $12,500\*

**Legacy QM**

In addition to the Generally Applicable Factors above, all Legacy QM loans must meet the following in accordance with 12 CFR 1026.43(e)(2):

&nbsp;&nbsp;&nbsp;&nbsp;· **Monthly Payment**. The amount of the monthly payment on the loan is
calculated using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous loans
and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;· **Appendix Q**. Considers and verifies income assets and debt in accordance
with Appendix Q.

&nbsp;&nbsp;&nbsp;&nbsp;· **DTI**. The DTI ratio of total monthly debt to total monthly income
does not exceed 43 percent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Verified**. Only verified amounts will be included in the QM debt-to-income
test - verified income and assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support and open debts.
The calculated value will be the verified debts divided by the verified income represented as a ratio, with amounts less than or equal
to 43.00% passing, and anything above 43.00% failing. Failing this test also results in returning an overall QM status of Fail.

**Revised QM**

In addition to the Generally Applicable Factors above, all Revised QM loans must meet the following in accordance with 12 CFR 1026.43(e)(2), as amended:

&nbsp;&nbsp;&nbsp;&nbsp;· **Monthly Payment**. The amount of the monthly payment on the loan is
calculated using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous loans
and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;· **Consider and Verify**. The creditor considers and verifies the consumer's
current or expected income and assets and debt and his DTI or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· As part of the "consider" requirement, Supplier will review
the (i) creditor's policies and procedures provided by Client, as well as any exceptions thereto, for how the creditor takes into
account the underwriting factors enumerated above, and (ii) the documentation retained by creditor, such as an underwriting worksheet
or a final automated underwriting system certification, showing how the creditor took these factors into account in its ability-to-repay
determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Consider and Verify Safe Harbor.** Creditor is deemed to have complied
with this "verify" requirement if it complies with the verification standards in one or more of these following agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide,
published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer
Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's
Single-Family Housing Policy Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook,
revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook
for the Direct Single Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook
for the Single-Family Guaranteed Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ For purposes of compliance with verification safe harbor, a creditor must
comply with only those provisions in the manuals that require creditors to verify income, assets, debt obligations, alimony and child
support using specified documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations,
alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Revised versions of manuals. A creditor also complies with the verification
safe harbor where it complies with revised versions of the manuals listed above provided that the two versions are substantially similar.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The Revised QM Rule permits the creditor to "mix and match"
verification standards from different agency manuals. Supplier will test the creditor's "verification" of third- party
records in instances when the creditor either uses (i) its own procedures or alternatively, (ii) the verification standards of one or
more of the agency handbooks listed above.

Note: The creditor (or client, as the case may be,) must provide written policies and procedures and related documentation such as underwriter worksheets in order for Supplier to review loans under the Revised QM Rules, and in particular, with regard to the "consider" and "verify" requirements. Further, if the creditor (or client, as the case may be) intends to use the verification safe harbor, its written policies and procedures must specify the precise agency handbook(s) that it is relying on with specific references to the particular provisions addressing income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations, alimony, and child support. In addition, Supplier is not responsible for determining whether revised versions of the manuals listed above are "substantially similar" for purposes of the verification safe harbor; such a determination of the sole responsibility of the creditor (or client, as the case may be).

Note: Due to the inherent subjectivity of the foregoing "consider" and "verify" requirements, Supplier will review the creditor's (or client's, as the case may be) (i) policies and procedures and worksheets and (ii) methods and criteria for verification of income and assets (regardless of whether the "safe harbor" is utilized) for content only, and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves comply with applicable law, and cannot guarantee that a court, governmental regulator, rating agency or another third party diligence provider would reach the same conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APOR. The APR on the loan does not exceed the threshold for the loan amount
(values marked with "\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For a first-lien loan with a loan amount greater than or equal to $110,260,\*
2.25% or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For a first-lien loan with a loan amount greater than or equal to $66,156\*
but less than $110,260\*, 3.5% or more;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For a first lien loan with a loan amount less than $66,156,\* 6.5 or more
percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For a subordinate-lien loan with a loan amount great than or equal to $66,156\*,
3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For a subordinate-lien loan with a loan amount less than $66,156\*, 6.5 or
more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APOR – Safe Harbor & Rebuttable Presumption:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Safe Harbor – For a first lien loan, APR does not exceed the APOR
for a comparable transaction by 1.5 percentage points or more as of the date the interest rate is set

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Rebuttable Presumption – For a first lien loan, APR exceeds the APOR
for a comparable transaction by 1.5 percentage points or more but by less than 2.25 percentage points as of the date the interest rate
was set

Note: There are higher thresholds for loans with smaller loan amounts, for subordinate-lien transactions, and for certain manufactured housing loans—all of which will be tested by Supplier

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Short Term ARMs**. The APR used on short term ARMs of five years or
less uses the maximum rate for the entire term of the loan.

Failing the above tests, results in returning an overall Revised QM status of Fail.

**Agency QM (Fannie Mae/Freddie Mac)**

In addition to the Generally Applicable Factors above, all Agency QM loans must be eligible for sale to Fannie Mae or Freddie Mac in accordance with 12 CFR 1026.43(e)(4)(ii)(A). The selling guides for the agencies include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Disposable Income

Threshold failures will either be greater than the guideline or less than the guidelines as appropriate.

Note: A failure identified within the guidelines may result in a Fail condition, even when the debt-to-income calculation would not exceed the 43.00% DTI level, such as a low credit score or a high loan-to-value ratio. Supplier will note the failure. Customized reporting is available to support Customer requirements for specific loan conditions.

**Agency QM with APOR**

Meets the test for "Agency QM" and the APOR test applicable for Revised QM in accordance with 12 CFR 1026.43(e)(2), as amended.

**Government QM**

In accordance with 12 CFR 1026.43(e)(4)(B),(C),(D) and (E), a Government QM is defined as a qualified mortgage by the U.S. Department of Housing and Urban Development under 24 CFR 201.7 and 24 CFR 203.19, the U.S. Department of Veterans Affairs under 38 CFR 36.4300 and 38 CFR 36.4500, or the U.S. Department of Agriculture under 7 CFR 3555.109. The guidelines include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Disposable Income

Threshold failures will either be greater than the guideline or less than the guidelines as appropriate.

Note: A failure identified within the guidelines may result in a Fail condition, even when the debt-to-income calculation would not exceed the 43.00% DTI level, such as a low credit score or a high loan-to-value ratio. Supplier will note the failure. Customized reporting is available to support Customer requirements for specific loan conditions.

**Safe Harbor for QM**

For first-lien transactions, a loan receives a conclusive presumption that the consumer had the ability to repay (and hence receives the "safe harbor" presumption of QM compliance) if the APR does not exceed the APOR for a comparable transaction by 1.5 percentage points or more as of the date the interest rate is set. A first-lien loan receives a "rebuttable presumption" that the consumer had the ability to repay if the APR exceeds the APOR for a comparable transaction by 1.5 percentage points or more but by less than 2.25 percentage points. There are higher thresholds for loans with smaller loan amounts, for subordinate-lien transactions, and for certain manufactured housing loans—all of which will be tested by Consultant.

**QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)**

For QM/TQM testing, the results of the debt-to-income test (QM) or guideline review (TQM) and the Points and Fees test will result in the following available compliance conditions as requested by the rating agencies:

---

| | |
|:---|:---|
| &nbsp;&nbsp;(1) QM/TQM-ATR Pass / Non-HPML | &nbsp;&nbsp;[QM or TQM – Pass / HPML – No] |
| &nbsp;&nbsp;(2) Q M/TQM-ATR Pass / HPML | &nbsp;&nbsp;[QM or TQM – Pass / HPML – Yes] |
| &nbsp;&nbsp;(3) ATR Fail / Non-HPML | &nbsp;&nbsp;[QM or TQM – Fail / HPML – No] |
| &nbsp;&nbsp;(4) ATR Fail / HPML | &nbsp;&nbsp;[QM or TQM - Fail / HPML – Yes] |
| &nbsp;&nbsp;(5) Non-QM / Compliant | &nbsp;&nbsp;[Non-QM or TQM Loan, Exempt / ATR – Compliant] |
| &nbsp;&nbsp;(6) Non-QM / Noncompliant | &nbsp;&nbsp;[Non-QM or TQM Loan, Exempt / ATR – Noncompliant] |
| &nbsp;&nbsp;(7) Not Covered – / Exempt | &nbsp;&nbsp;[QM or TQM – Exempt / ATR – Exempt] |

---

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

**For Legacy QM Rules Higher Priced Covered Transaction – QM APR**

Current testing for HPML will now be performed using one of two formulas, normal QM and FHA TQM. For QM, a loan will be considered a Higher Priced Mortgage Loan if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage points on Second Liens. For FHA TQM, the formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium factor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**h)** **Regulatory Compliance Disclaimer** 

Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Consultant is relying in reaching such findings.

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**i)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**TRID**

1) TILA RESPA Integrated Disclosure Statement of Work

**Eligibility**

The following criteria are used in determining whether TRID applies:

&nbsp;&nbsp;&nbsp;&nbsp;· The Application Date is October 3, 2015, or later (the earlier of the date
the broker or lender received the borrower's application).

&nbsp;&nbsp;&nbsp;&nbsp;· The Loan Purpose and Property Type includes a closed-end mortgage secured
by real estate:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Purchase

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Refinance (Cash Out or Rate Term)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Construction and Construction to Permanent Financing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o SFR, 1-4 Unit, PUD, Condo and Coops (Coop may be excluded based on Client
instructions)

&nbsp;&nbsp;&nbsp;&nbsp;· The Loan Purpose and Property Type does not include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o HELOCs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Reverse mortgages

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Dwellings that are not attached to real property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mobile homes, where the consumer does not own the land,

&nbsp;&nbsp;&nbsp;&nbsp;· For purposes of determination of Occupancy, TRID applies to loans for owner
occupied, second home and vacant land.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus will apply the standard exemptions from TILA, i.e., business purposes
loans, loans for agricultural purposes and loans secured by five (5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Please be aware that TILA contains a TRID-specific exemption for certain subordinate lien loans for the purposes of various types of assistance programs such as down payment or closing cost, property rehabilitation, energy efficiency or foreclosure avoidance or prevention. Opus will not test such loans for TRID compliance.

**Loan Estimate (″LE″)**

&nbsp;&nbsp;&nbsp;&nbsp;1. Initial LE

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of compliance with timing requirements as to whether the Initial
LE was delivered within three (3) business days from the Application Date. The Initial LE shall use the delivery date to calculate the
earliest closing Consummation Date (no less than seven (7) business days from the delivery of the Initial LE). The delivery date is the
date the creditor hand delivers the disclosures or places the disclosures in the mail, 1026.19(e)(1)(b) If the LE does not contain a signature
line for the consumer's confirmation of receipt, then Opus will look for the "Loan Acceptance" statement under "Other
Considerations" or other client-documented acknowledgement and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;· Verification that the correct form is used and all sections of the Initial
LE are completed (no blanks, "NA's" or incomplete sections) and the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical formatting of the LE is NOT included in the
standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;· General loan information and loan terms sections completed and formatting
is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify all applicants applying for credit, as disclosed on the application, are listed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;· "Can this amount increase after closing?" and "Does the
loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· If rate is locked, were lock expiration date, time and time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;· Settlement charges good through date, time and time zone disclosed with
minimum of 10 days during which borrower is permitted to shop knowing fees are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments and Estimated Taxes, Insurance & Assessments sections
are complete and accurate based on the loan terms and information known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· The Closing Costs and Cash-to-Close sections are complete and accurate based
on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees disclosed properly (alphabetical order within Section with certain
exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· It is recommended that an Itemization of Fees is provided for any fees disclosed
as "Aggregate". It is quite difficult to determine if the fees are disclosed properly without this information.

&nbsp;&nbsp;&nbsp;&nbsp;· Any addenda found in file listing ADDITIONAL fees for sections other than
Section C

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest Only Payments, Optional Payments, Step Payments, or Seasonal
Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM or Step Rate, is Adjustable Interest Rate (″AIR″) Table
disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· The Comparison section is complete and accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· In 5 Years calculations for Total of Payments (TOP) and Total Principal
Paid are accurate based on the terms and fees disclosed on page 1 and 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· APR is accurate within tolerance based on the terms disclosed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;· Total interest Percentage (TIP) is accurate based on the loan terms disclosed
on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Rounding rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;· Other Considerations Section is complete

&nbsp;&nbsp;&nbsp;&nbsp;2. Revised LEs

If there has been a revision to the LE, validate that the Revised LE is provided within three (3) days of COC, BRC or interest rate lock. Review as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Changed Circumstance affecting settlement charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Change Circumstance affecting eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Revisions requested by the consumer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Interest rate dependent charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Expiration of the LE and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Delayed settlement date on a construction loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Timing Requirement for LE 7 days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;3. Determination of Final Binding LE

&nbsp;&nbsp;&nbsp;&nbsp;· Review and analyze each LE in file to determine final Binding LE. If there
is a change in loan terms, change in interest rate or increase in charges subject to variances without valid reason for a Revised LE as
set forth above, findings will be cited. If a Revised LE was issued without a valid reason, the previous valid LE would be considered
the Binding LE for the purposes of comparison with the Closing Disclosure. [Also see Variance Tests and Closing Disclosure for COC/BRC
events disclosed after issuance of Initial CD]

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of compliance with timing requirements that there have been
no loan estimates provided to the borrower after a Closing Disclosure has been delivered, and whether the Final LE was provided at least
four (4) business days prior to the closing Consummation Date.

If the LE does not contain a signature line for the consumer's confirmation of receipt, then Opus will look for the "Loan Acceptance" statement under "Other Considerations" or other client-documented acknowledgement and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;· Verification that the correct form is used and all sections of the Initial
LE are completed (no blanks, "NA's" or incomplete sections) and the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical formatting of the LE is NOT included in the
standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;· General loan information and loan terms sections completed and formatting
is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;· Verify loan term, purpose, and product descriptions follow the prescribed
format.

&nbsp;&nbsp;&nbsp;&nbsp;· Verify all applicants applying for credit, as disclosed on the application,
are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· If rate is locked, were lock expiration date, time and time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;· Settlement charges good through date, time and time zone disclosed with
minimum of 10 days during which borrower is permitted to shop knowing fees are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments and Estimated Taxes, Insurance & Assessments sections
are complete and accurate based on the loan terms and information known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· The Closing Costs and Cash-to-Close sections are complete and accurate based
on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees disclosed properly (alphabetical order within Section with certain
exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· It is recommended that an Itemization of Fees is provided for any fees disclosed
as "Aggregate". It is quite difficult to determine if the fees are disclosed properly without this information

Any addenda found in file listing ADDITIONAL fees for sections other than Section C

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest Only Payments, Optional Payments, Step Payments, or Seasonal
Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM or Step Rate, is Adjustable Interest Rate (″AIR″) Table
disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· The Comparison section is complete.

&nbsp;&nbsp;&nbsp;&nbsp;· Rounding rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;· Other Considerations Section is complete

&nbsp;&nbsp;&nbsp;&nbsp;4. Written List of Providers ("WLSP")

If the lender places fees in the Services You Can Shop For category, verify that the file contains a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must include at least one available provider for each service and state the consumer may choose a different provider for that service. If a written list of service providers is not provided, the fees will be treated as a 10% Tolerance fee but a finding for missing service provider list will be noted. If a written list of service providers is provided outside of three (3) days of the application date, the fees will be treated as a 10% Tolerance fee but a finding for a service provider list being provided outside of three (3) days from application will be noted.

&nbsp;&nbsp;&nbsp;&nbsp;5. Variance tests

Utilize one (1) of the following Variance Categories in performing variance tests:

**Zero Tolerance/Variance\*** - A finding will be cited if any charges increase from the Binding LE to the Final CD without COC or BRC. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;· Fees paid to the lender, broker or an affiliate of either lender or broker
[fees paid to an affiliate of the lender for services NOT required by the creditor are not subject to tolerance/variance per CFR 1026.19(e)(3)(iii)(E)];

&nbsp;&nbsp;&nbsp;&nbsp;· Fees paid to an unaffiliated third party if the lender did not permit the
borrower to shop for servicer; and

&nbsp;&nbsp;&nbsp;&nbsp;· Transfer taxes.

&nbsp;&nbsp;&nbsp;&nbsp;· Lender Credits

Any fees that increase on the CD and are paid at closing by someone other than the borrower (e.g. seller or other third party) should be treated as borrower-paid for purposes of the tolerance calculations in 12 CFR § 1026.19(e)(3)(i) – (iii). For example, if a $500 appraisal fee (for which the borrower could not shop) was disclosed on the LE as paid by the borrower or in part by the seller, and the fee subsequently increases to $750 on the CD, the $250 increase must be considered, and a tolerance refund of $250 will be due to the borrower unless the increase had been re-disclosed subject to a valid changed circumstance. However, if a fee is not disclosed on the LE, or only the portion that is borrower-paid is disclosed on the LE, there is no tolerance violation (a) if there is evidence in the file to show that the fee was intended to be paid by the seller in full or in part (e.g. fee is addressed in the purchase contract and the amount to be paid by the seller on the CD corresponds with the contract) or (b) if the fee is known to be a fee that is the responsibility of the seller (i.e. a transfer tax in which local law/regulation provides that the seller is responsible for the fee). Fees paid by the lender should be reviewed for compliance with 12 CFR § 1026.19(e)(3)(i) (i.e. fees that increase and are subject to an increased lender credit do not constitute a violation, but a decreased lender credit that was not re-disclosed subject to a valid changed circumstance is a violation and will require a refund).

**10% Tolerance/Variance\*** – A finding will be cited if the aggregate of the charges increase by more than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service is listed on the LE but not charged/reflected on the Final CD, the fee will be removed and not considered in calculating the 10% variance threshold pursuant to Comment 19(e)(3)(ii)-5. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;· Recording fees; and

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for third party services not paid to creditor or affiliate AND borrower
permitted to shop for service but selects a provider on the creditor's Written List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid mortgage insurance will be treated as a 10% tolerance fee if it
can be shopped for (and not identified as an affiliate), otherwise it will be treated as a zero tolerance fee.

&nbsp;&nbsp;&nbsp;&nbsp;· Client considers seller-paid fees or fees paid by third-parties as borrower-paid
for the purposes of tolerance calculations in 12 CFR §1026.19(e)(3)(i) – (iii) as detailed in section (5) Variance tests (v)

No Tolerance/Unlimited – No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of disclosure (disclosed in good faith), such as:

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid interest;

&nbsp;&nbsp;&nbsp;&nbsp;· Property insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;· Impounds/Escrows;

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for services required by the creditor but the borrower is permitted
to shop for and borrower selects a third party provider not on the lender's Written Service Provider List; and

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for third party services NOT required by the creditor (even if paid
to an affiliate of the creditor).

**Notes of interest for "No Tolerance/Unlimited":** No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of the disclosure (disclosed in good faith),

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid property taxes charged by local and state governments periodically
will have no tolerance under the general 'best information reasonably available' standard unless otherwise instructed by the
Client.

&nbsp;&nbsp;&nbsp;&nbsp;· As noted above, Opus will review the loan file for evidence the disclosure
was not made in "Good Faith". "Good faith" means the creditor made the estimate based on the information reasonably
available to them at the time the LE was provided. Absent such evidence, Opus will consider the disclosures made in "good faith".
Two examples where a disclosure would be considered not made in "good faith" and a finding cited are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The creditor requires homeowner's insurance but fails to include a homeowner's insurance premium; a finding will be added
that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The creditor knows the loan must close on the 15th of the month but estimates prepaid interest to be paid from the 30th of that month,
a finding will be added that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;· Review for documentation itemizing fees from the Binding LE to determine
unrounded amounts of fees to use for performing tolerance testing only if
a tolerance violation occurs. If no fee itemization is found, tolerance testing will be performed based on the information in the disclosures
and a tolerance violation will be noted if applicable. Utilize fee information from closing instructions or a vendor compliance report,
if the file contains the referenced support documentation.

Additionally, if a documented valid COC or BRC occurs resulting in a change to loan terms, settlement charges or interest rate within four (4) business days of consummation, the variance test will be performed based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs after initial CD has been provided) provided that the change is related to the COC or BRC.

&nbsp;&nbsp;&nbsp;&nbsp;· For loans with no Interim LE and no COC or BRC occurring four (4) days prior
to consummation, fees and charges on the CD are tested for compliance with permitted variances against fees disclosed on Initial LE.

&nbsp;&nbsp;&nbsp;&nbsp;· For loans with an Interim LE, the following procedures will be applied:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Review of each Interim LE and fees and charges on the CD are tested for
compliance with variance thresholds against fees supported by a valid COC or BRC related to the charge that increases

&nbsp;&nbsp;&nbsp;&nbsp;· In cases where an Interim LE is issued with several fee increases, but only
some are supported by or related to a valid COC or BRC, those fees which are not supported by or related to a valid COC, BRC or disclosed
on an LE that was not provided timely (within three (3) business days of changed circumstance) will be tested for variance using the amounts
disclosed in the Initial LE previously valid LE.

**Closing disclosure (″CD″)**

&nbsp;&nbsp;&nbsp;&nbsp;· Opus will conduct a general CD review and verify the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Recommendation: Closing Disclosure provided at closing be marked "Final."
Although this is not a requirement, marking the Closing Disclosure as Final will ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;· That the correct form is used and all sections of the CD are completed (no
blanks or incomplete sections).

&nbsp;&nbsp;&nbsp;&nbsp;· Acknowledgement of receipt by all borrowers with a right to rescind under
1026.23 by verifying that each borrower with a right to rescind was provided with a copy of the CD. This could include the non-borrowing
spouse. Acknowledgement is based on lender guidelines

&nbsp;&nbsp;&nbsp;&nbsp;· If the CD does not contain a signature line for the consumer's signature,
Opus will look for the required alternative statement in "Other Disclosures" with the heading of "Loan Acceptance".
While not required, OPUS highly recommends that the client require the CD to be signed and dated by the consumer as it will ensure a timely
review.

&nbsp;&nbsp;&nbsp;&nbsp;· If a subsequent CD is issued having changes to (a) the loan product which
affects disclosed terms and loan information; (b) the addition of a prepayment penalty; or (c) an APR which exceeds the previously disclosed
APR by more than 1/8 or ¼ of one percent on regular or irregular transactions, as the case may be for accuracy. Consultant will
test that the borrower was given an additional three (3)-business day waiting period from the date of final pre-close CD with (a) the
final loan product; (b) the prepayment penalty addition; or (c) the APR, and that the final pre-close CD has been received by borrower
by consummation. APR reductions beyond these tolerances require the additional 3 day waiting period unless the overstated APR was based
on an overestimated finance charge.

&nbsp;&nbsp;&nbsp;&nbsp;· On the interim and final pre-close CDs the following checks and limitations
apply:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical formatting of the CD is out of scope in the
standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;· Closing, Transaction and Loan Information sections have been completed with
accurate information.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan terms sections are completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Opus will verify loan term, purpose, and product descriptions follow the
prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Opus will verify all applicants applying for credit, as disclosed on the
application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments and Estimated Taxes, Insurance & Assessments sections
are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees have been disclosed properly (alphabetically, correct buckets and all
title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· Any addenda found in file listing ADDITIONAL fees for sections other than
Section C (Services You Can Shop For) is completed properly.

&nbsp;&nbsp;&nbsp;&nbsp;· Calculating Cash to Close table completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Summaries of Transaction section completed accurately

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Disclosures section complete:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o CD Assumption, Demand Feature, Negative Amortization, and Partial Payments
sections completed properly (at least and only one box selected).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Late Payment completed properly (terms disclosed and accurate per note).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Escrow Amount section completed properly (only one box selected and amounts
disclosed).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Escrow Property Costs over Year 1 to be calculated per the payments scheduled
to be made in a 1 year period after consummation (1026.38)(I)(7)(i)(A)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Non-Escrowed Property Costs over 1 Year to be calculated using either 11
or 12 months as determined by client. (1026.38)(I)(7)(i)(B)(1)

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest Only, Optional Payments, Step Payments, or Seasonal Payments,
is Adjustable Payment (″AP″) Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM or Step, is Adjustable Interest Rate (″AIR″) Table disclosed
accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Calculations section complete and accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Total of Payments is accurate per 1026.38(o)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Include fees in section A, B, and C that are paid by the borrower as well
as the seller or other if those fees are customarily paid by the borrower.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Capture amounts disclosed in Loan Calculations section and test for TILA
tolerance violations on disclosed APR and Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Total Interest Percentage (TIP) accurate with proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other Disclosures section complete with at least one choice selected as
applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Review for the creditor's selection of one of the two options in the
Liability After Foreclosure section, but will not make an independent judgment whether or not the selection is correct for the property
state. Only issue a condition if either no selection is made or if both selections are made.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Contact Information section is complete with information from each party
of the transaction provided as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Rounding rules verified as per 1026.38(t)(4). Rounding on all percentages
except APR is percentages should be truncated so that a zero is not disclosed in the last decimal place (7.250 should be rounded to 7.25).

**TRID Method of Receipt Of LE And CD**

Determine the method of receipt of the revised LE and CD and perform a compliance test with timing requirements. For purposes of the review and verification, the date the borrower is deemed to have received the disclosure(s) is based on any of the following methods:

&nbsp;&nbsp;&nbsp;&nbsp;· In Person: borrower signature date is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - No Receipt Confirmation in File: three (3) business days from
later of document issue date or proof of e-delivery date is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - With Receipt Confirmation in File, date of receipt confirmation
is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - Delivery confirmation of an email, assuming the borrower(s)
have consented to electronic delivery.

&nbsp;&nbsp;&nbsp;&nbsp;· Mail (USPS or other parcel delivery service) – No Receipt Confirmation
in File: three (3) business days from later of document issue date or proof of mailing date is used. Delivery confirmation, i.e., confirmation
that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction
constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements.

Mail (USPS or other parcel delivery service) – With Receipt Confirmation in File: date of receipt confirmation is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures in any other method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue date. As noted above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt will be considered unknown, requiring an additional three (3) days from the date the non-borrower received the documents.

\*NOTE: If disclosures are sent electronically, a finding will be cited if there is no evidence in the file that the borrower consented to receive disclosures electronically. Default to the three (3) business day mail rule for delivery without the proper documentation of borrower consent.

**Other Recommended TRID Compliance Tests**

Apply the following additional compliance tests which were included in the recommended review scope resulting from the 2015 CFPB Amendments:

&nbsp;&nbsp;&nbsp;&nbsp;· Use of TRID forms prior to TRID effective date: a finding will be cited
if the new TRID forms are utilized on a loan with an application received prior to the October 3, 2015 effective date.

&nbsp;&nbsp;&nbsp;&nbsp;· Use of TRID forms on loans not covered by TRID: a finding will be cited
if the new TRID forms are utilized on loans not covered by TRID (i.e., HELOC, i.e. reverse mortgages, i.e. Chattel Dwelling loans (loans
on mobile homes that are not also secured by the underlying real property or loans on houseboats).

&nbsp;&nbsp;&nbsp;&nbsp;· Your Home Loan Toolkit: a finding will be cited if the new Your Home Loan
Toolkit Disclosure or evidence the disclosure was delivered or placed in the mail is not in the file or was not provided to the borrower
within three (3) business days of application.

&nbsp;&nbsp;&nbsp;&nbsp;· Consummation Date: Consummation varies by applicable state law and the term
is not often clearly defined. Accordingly, generally use the notary date. If there are multiple borrowers and they do not all sign the
documents on the same day, then use the latest signature date.

&nbsp;&nbsp;&nbsp;&nbsp;· Post-Consummation Disclosures: TRID review scope will not include testing
for compliance with the following post-consummation disclosures under TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Escrow Closing Notice; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Mortgage servicing transfer and partial payment notices.

**Subsequent Changes After Consummation**

The following prescribed cures as set forth in section 1026.19 (f)(2)(iii) through (v) are acceptable for changes and corrections to the Final CD after consummation.

1026.19(f)(2)(iii) – Changes due to events occurring after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· If within 30 days of consummation, an event in connection with the settlement
of the transaction occurs that causes the final CD to become inaccurate and such inaccuracy results in a change to an amount actually
paid by the borrower(s) from the amount disclosed, test for evidence that a new, corrected CD is delivered or placed in the mail to the
borrower within thirty (30) days of receiving information that an event occurred.

1026.19(f)(2)(iv) – Changes due to clerical errors.

&nbsp;&nbsp;&nbsp;&nbsp;· Non-numeric clerical errors, for the purpose of this scope document are
any error not related to a disclosed dollar amount or percentage. Test for evidence a new, corrected CD is delivered or placed in the
mail to the borrower within sixty (60) calendar days of consummation. Examples of non-numeric clerical errors include but are not limited
to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the closing information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the transaction information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to loan id # or MIC #.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to non-numeric identifiers in the Estimated Taxes, Insurance
& Assessments section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the fee labels and/or order of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the location of the fee(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to missing cure language.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the "Did This Change" section of Calculating
Cash to Close.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Loan Disclosures section

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to non-numeric items in the Escrow Account section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Other Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Contact Information section.

&nbsp;&nbsp;&nbsp;&nbsp;· 1026.19(f)(2)(v) – Refunds related to the good faith analysis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Test for evidence such as a copy of the refund check, a new corrected CD,
and evidence the creditor delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation.

A post-consummation CD is understood to be a re-issued CD with a Date Issued represented as the date the post-consummation CD was issued. Corrections to the final pre-close CD should not be accepted as a post-consummation CD noted in the prescribed cures above.

Errors on LE's and Interim CD's and numeric errors on final CD's do not have prescribed cures as per the regulation and therefore will not be reported as having been cured. The assessment of risk and decision to accept a finding that does not have a prescribed cure is the responsibility of the purchaser of the loan.

**Additional Disclosures and Requirements:**

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was provided to the borrower(s)
within three general business days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet (for applications prior to 10/03/2015)/ Home
Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three general business
days of application

&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure in file in the
event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure provided within three general
business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days,
as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party
services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided at closing
or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the lender has provided the borrower a disclosure of the right to
receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the
Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided (delivered) copies of appraisals and
all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at
least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least
6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

&nbsp;&nbsp;&nbsp;&nbsp;· For a borrower that has waived the 3-business day disclosure requirement,
confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an
acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender
has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided the borrower the risk-based pricing
notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a)
If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than
the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure
was provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided a copy of the disclosure of credit
score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

&nbsp;&nbsp;&nbsp;&nbsp;· Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Colorado Consumer Equity Protection Act, Colo, Rev. Stat.
§ 5-3.5-101 et seq. .

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-
746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760
et seq. (as originally enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection Act, D.C. Official Code §
26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans
closed before July 1, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;· Georgia
Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at
815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal
Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code
of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House
Bill 4050 (2005).

&nbsp;&nbsp;&nbsp;&nbsp;· Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code
§ 24-9-1
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages
(for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative
Documents 1869 (2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after
September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1;
12-127; 12- 409.1; 12-1029.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under
the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et
seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as
amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§
1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter
183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800
(15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§
32.00 et.seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184,
§17B.5.

&nbsp;&nbsp;&nbsp;&nbsp;· Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann.
§ 445-1631 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et
seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat §
45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended
by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. §
 C:46:10B-22 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003),
codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Act, N.Y. Bank.
L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

&nbsp;&nbsp;&nbsp;&nbsp;· North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§
24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a),
as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185
(2006), and as codified in various sections of the Ohio Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as

&nbsp;&nbsp;&nbsp;&nbsp;· City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No.
72-2003 (PSH), Mun. Code §§ 757.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004- 618,
Muni. Code §§ 201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified
in various sections of Title 14A of the Oklahoma Consumer Credit Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§
160:45-9- 1
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. §
456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island
Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation
3 (2007) and amended by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter
2006-33, Ordinance No. 245.

&nbsp;&nbsp;&nbsp;&nbsp;· South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified
at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas High-Cost
Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated prior to July
1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia Residential Mortgage Lender, Broker and Servicer
Act, W.Va. Code § 31-17 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. §
428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial or agricultural
purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior lien secured by the same residential
improved real estate or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate is provided by
a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Signatures: Validate signature consistency across documents. To the extent
imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review for apparent alterations to loan documents. To
the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency
of data.

&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools: To the extent a third party fraud tool is contained
in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of
all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued
with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made
or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;· The individuals performing the above procedures are not person providing
valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as
appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or
Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus makes no representation or warranty as to the value of the mortgaged
property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not an Appraisal Management Company ("AMC") and therefore
does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not a creditor within the meaning of the Equal Credit Opportunity
Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility
to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated in accordance with
the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Credit Grade Definition: Loan was originated in substantial compliance
with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition: Loan was not originated in substantial
compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing
material documentation.

**Opus Property Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade Definition: Property value appears to be within 10%
of original appraised amount and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade Definition: Property value appears to be within 10%
of original appraised amount, but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade Definition: Property value does not appear to fall
within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing
material documentation.

**Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws
and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition: There are minor issues regarding legal
and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan
documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance with laws
and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA
and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the location of a property
(e.g. neighborhood, body of water, schools, major highways)

EXHIBIT B

**DSCR Loan Review**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:**

&nbsp;&nbsp;&nbsp;&nbsp;· **Borrower Liquidity:** Review and confirm borrower's liquidity
position adheres to Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit / Background Check:** Review and confirm each guarantor and/or
owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;· **Property management questionnaire:** Review the questionnaire to confirm
management experience meets Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Borrowing Entity:** Confirm the entity is in good standing and duly
formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind
the entity (if applicable documents are in the file).

&nbsp;&nbsp;&nbsp;&nbsp;· **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC
meets Underwriting Guidelines per Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Permitted Loan Terms:** Confirm the loan terms are eligible per the
Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Requirements and Market Requirements:** Confirm the loan Property
and Market Requirements are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows**

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Condominium Eligibility:** Confirm Condo
Master Policy is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance:** Confirm each mortgaged
property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Preliminary/Commitment Title:** Review
and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check**

 

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness
of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit
report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting
guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing
payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of
mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation: When Letters of Explanation
are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift Letters are required
by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of
income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing
income to the debt ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of
asset documentation required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan
file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative
Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify the presence of insurance
certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate
coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;· No compliance testing for the DSCR review.

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there was no obligors with multiple loans in the pool.

**<u>Pool Details</u>**

![](ex99-11_002.jpg)

![](ex99-11_003.jpg)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Junior Lien Balance | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Second Mortgage Lien Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Self Employed | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total Loans** | &nbsp;&nbsp;**3** |  |

---

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moodys | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moodys | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moodys | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not effect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal, but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not effect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated January 13, 2023.

**<u>Loans Reviewed (3 Loans)</u>**

42557759 <br> 40331892 <br> 43891916

If you have any questions, please contact Greer Allgood at Greer.Allgood@opuscmc.com

## Exhibit 99.11

**Exhibit 99.11 Schedule 1**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Data Field** | **Tape Data** | **Review Data** | **Tape Discrepancy Comments** |
| XX | Doc Type | Full Documentation | No Income Verification | Incoming Value: Full Documentation<br> Audit Value: Audit value pulled from documents located in the loan file for DSCR loan |
| XX | Doc Type | Full Documentation | No Income Verification | Incoming Value: Full Documentation<br> Audit Value: Audit value pulled from documents located in the loan file for DSCR loan |
| XX | Doc Type | Full Documentation | No Income Verification | Incoming Value: Full Documentation<br> Audit Value: Audit value pulled from documents located in the loan file for DSCR loan |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 2**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Category** | **Exception Sub Category** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Loan Attributes** | **Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Subject to Predatory Lending** | **HUD Category** |
| XX | 341_137_16810 | 16810 | Credit |  | Debt Service Coverage Ratio below guideline minimum | Debt Service Coverge Ratio of 0.66 is below guideline minimum of 75.00.<br>Based on Lender calculations provided in the loan file, an incorrect Interest rate of 6.708% was used to calculate the DSCR. Per the executed note, the final interest rate was 7.385% which resulted in the DSCR violation. |  | (2022-05-26) Program SPI14 utlizes gross rental calculation method. No violation as DSCR ratio 0.7837. Condition rescinded.<br> (2022-04-21) Lender provided DSCR calculations. After further review, it has been determined that said calculations reflect the incorrect interest rate of 6.708% and monthly mortgage payment of $XX. The correct rate was 7.385% for a payment of $XX. DSCR is 0.66. Condition remains. | FICO is higher than guidelines. FICO is: 725 and the guideline is:680. | Rescind | 1 | 1 A | Not Applicable |  |
| XX | 341_137_1811 | 1811 | Credit |  | Insufficient asset documentation in file - assets do not cover closing costs | Verified assets of $X,XXX.XX less cash to close $X,XXX.XX and less unverified earnest money $0.00 results in $X,XXX.XX shortage of funds to close. <br>Gift funds from borrower's aunt were not properly documented. Processor cert indicates borrower was given $X,XXX.XX ($X,XXX.XX cash gift and $X,XXX.XX check) gift from aunt. Funds were deposited into borrower's account on 01/03/2022. However, there was no gift letter in file for gift. Additionally, the account statement for this aunt indicated a withdrawl of $X,XXX.XX on 12/23/2022, but did not support the ability to gift the remaining $X,XXX.XX. |  | (2022-06-10) Lender provided evidence of additional $X,XXX.XX in gift funds from borrower's mother. Condition cleared.<br> (2022-04-21) Lender rebuttal was reviewed. However, after further review it has been determined that XXXX accounts #XXXX and XXXX #XXXX are not borrower owned accounts, and therefore are unable to be included in qualifying assets. In addition, the $X,XXX.XX cash gift from the aunt was not properly documented with acceptable gift letter. Per guidelines, gift letter must include the following: (1) specify the dollar amount of the gift, (2) specify the date the funds were transferred, (3) include the donor's statement that no repayment is expected; and (4) indicate the donor's name, address, telephone number, and relationship to the borrower. Missing #3 and #4 stated on gift letter, condition remains. <br> (2022-04-20) Lender rebuttal was reviewed. However, after further review it has been determined that XXXX accounts #XXXX and XXXX #XXXX are not borrower owned accounts, and therefore are unable to be included in qualifying assets. In addition, the $X,XXX.XX cash gift from the aunt was not properly documented with acceptable gift letter. Per guidelines, gift letter must include the following: (1) specify the dollar amount of the gift, (2) specify the date the funds were transferred, (3) include the donor's statement that no repayment is expected; and (4) indicate the donor's name, address, telephone number, and relationship to the borrower. Missing #3 and #4 stated on gift letter, condition remains. | FICO is higher than guidelines. FICO is: 725 and the guideline is:680. | Cleared | 3 | 1 C A | Not Applicable |  |
| XX | 341_137_11771 | 11771 | Credit |  | Reserves Insufficient | Verified assets of $X,XXX.XX minus the cash to close of $X,XXX.XX, unverified earnest money deposit of $0.00, total judgments of $0.00, and unfinanced budget of $0.00 equates to 5.89 months of reserves totaling $22560.34 which is less than the required 6.00 months reserves, totaling $22969.04.<br>The exception status is currently Active.<br> Gift funds from borrower's aunt were not properly documented. Processor cert indicates borrower was given $X,XXX.XX ($X,XXX.XX cash gift and $X,XXX.XX check) gift from aunt. Funds were deposited into borrower's account on 01/03/2022. However, there was no gift letter in file for gift. Additionally, the account statement for this aunt indicated a withdrawl of $X,XXX.XXon 12/23/2022, but did not support the ability to gift the remaining $X,XXX.XX.<br> Lender rebuttal was reviewed. However, after further review it has been determined that XXXX accounts #XXXX and XXXX #XXXX are not borrower owned accounts, and therefore are unable to be included in qualifying assets. In addition, the $X,XXX.XX cash gift from the aunt was not properly documented with acceptable gift letter. Per guidelines, gift letter must include the following: (1) specify the dollar amount of the gift, (2) specify the date the funds were transferred, (3) include the donor's statement that no repayment is expected; and (4) indicate the donor's name, address, telephone number, and relationship to the borrower. Missing #3 and #4 stated on gift letter, condition remains. <br> Lender rebuttal was reviewed. However, after further review it has been determined that XXXX accounts #XXXX and XXXX #XXXX are not borrower owned accounts, and therefore are unable to be included in qualifying assets. In addition, the $X,XXX.XX cash gift from the aunt was not properly documented with acceptable gift letter. Per guidelines, gift letter must include the following: (1) specify the dollar amount of the gift, (2) specify the date the funds were transferred, (3) include the donor's statement that no repayment is expected; and (4) indicate the donor's name, address, telephone number, and relationship to the borrower. Missing #3 and #4 stated on gift letter, condition remains. <br> Lender provided evidence of additional $X,XXX.XX in gift funds from borrower's mother. However, reserves shortage of $408.70 remains. Borrower's total assets are $X,XXX.XX consisting of $1X,XXX.XX in gift funds, $X,XXX.XX in checking from statement dated 03/22/2022 (balance of $X,XXX.XX less $X,XXX.XX in transferred gifts) and $X,XXX.XX in savings from statement dated 02/XX/2022. Borrower's funds due at closing were $X,XXX.XX plus $X,XXX.XX gifted EMD.<br> Verified reserves of $22,560.34 < $22,969.04 min required (6 months). Condition remains.<br> Lender provided approved exception and all lender compensating factors have been documented and validated, warranting the exception to the related guideline requirement. This finding is deemed non-material and will be rated a B for all agencies. |  | (2022-06-16) Lender provided approved exception and all lender compensating factors have been documented and validated, warranting the exception to the related guideline requirement. This finding is deemed non-material and will be rated a B for all agencies. <br> (2022-06-10) Lender provided evidence of additional $X,XXX.XX in gift funds from borrower's mother. However, reserves shortage of $X,XXX.XX remains. Borrower's total assets are $X,XXX.XX consisting of $X,XXX.XX in gift funds, $X,XXX.XX in checking from statement dated 03/22/2022 (balance of $X,XXX.00 less $X,XXX.XX in transferred gifts) and $X,XXX.XX in savings from statement dated 02/25/2022. Borrower's funds due at closing were $X,XXX.XX plus $X,XXX.XX gifted EMD.<br> Verified reserves of $22,560.34 < $22,969.04 min required (6 months). Condition remains.<br> (2022-04-21) Lender rebuttal was reviewed. However, after further review it has been determined that XXXX accounts #XXXX and XXXX #XXXX are not borrower owned accounts, and therefore are unable to be included in qualifying assets. In addition, the $X,XXX.XX cash gift from the aunt was not properly documented with acceptable gift letter. Per guidelines, gift letter must include the following: (1) specify the dollar amount of the gift, (2) specify the date the funds were transferred, (3) include the donor's statement that no repayment is expected; and (4) indicate the donor's name, address, telephone number, and relationship to the borrower. Missing #3 and #4 stated on gift letter, condition remains. <br> (2022-04-20) Lender rebuttal was reviewed. However, after further review it has been determined that XXXX accounts #XXXX and XXXX #XXXX are not borrower owned accounts, and therefore are unable to be included in qualifying assets. In addition, the $X,XXX.XX cash gift from the aunt was not properly documented with acceptable gift letter. Per guidelines, gift letter must include the following: (1) specify the dollar amount of the gift, (2) specify the date the funds were transferred, (3) include the donor's statement that no repayment is expected; and (4) indicate the donor's name, address, telephone number, and relationship to the borrower. Missing #3 and #4 stated on gift letter, condition remains. | FICO is higher than guidelines. FICO is: 725 and the guideline is:680. | Acknowledged by Client | 2 | 2 B | Not Applicable |  |
| XX | 341_131_11771 | 11771 | Credit |  | Reserves Insufficient | Verified assets of $X,XXX.XX minus the cash to close of $X,XXX.XX, unverified earnest money deposit of $0.00, total judgments of $0.00, and unfinanced budget of $0.00 equates to 6.85 months of reserves totaling $25321.79 which is less than the required 12.00 months reserves, totaling $0.00.<br>No verification of ownersip of the business account was provided therefore those assets are not an acceptable source of funds. |  | (2022-05-11) Lender provided evidence that borrower was sole owner of entity listed on business account. Additional funds previously excluded totaling $X,XXX.XX add to borrower's assets. Condition cleared.<br> (2022-04-21) Lender provided bank statements for asset verification. However, business account xXXXX with a balance of $X,XXX.XX was not utilized due to being unable to verify ownership of said account. Therefore, total available assets were $X,XXX.XX minus $X,XXX.XX EMD minus $X,XXX.XX cash to close equals $X,XXX.XX remaining (6.85 months) for reserves. Guidelines require 12 months ($44,359.32) reserves, short -5.15 months (-$19,037.53) reserves. Condition remains. | FICO is higher than guidelines. FICO is: 776 and the guideline is:660. | Cleared | 3 | 1 C A | Not Applicable |  |
| XX | 341_171_17158 | 17158 | Compliance |  | Missing signed settlement statement | Settlement Statement is Not Executed by Borrower or certified by title company. |  | (2022-05-05) Lender provided a true and certified, by settlement agent, copy of the Borrower's Final Closing/Settlement Statement. Documentation submitted is deemed acceptable. Condition cleared. | FICO is higher than guidelines. FICO is: 784 and the guideline is:680.; UW Guides require 0.00 months reserves, loan qualified with 63.68 months reserves. | Cleared | 3 | 1 D A | Not Applicable |  |

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## Exhibit 99.11

**Exhibit 99.11 Schedule 3**

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| | | |
|:---|:---|:---|
| **Customer Loan ID** | **Initial Loan Grade** | **Final Loan Grade** |
| XX | 3 | 2 C B A |
| XX | 3 | 1 C A |
| XX | 3 | 1 D A |

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## Exhibit 99.11

**Exhibit 99.11 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** |  |
| **Customer Loan ID** | **Original Loan Amount** | **Sale Price** | **Appraisal Value** | **Appraisal Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Date** | **Second Appraisal Type** | **Field Review Value** | **Field Review Date** | **Recertification Value** | **Recertification Date** | **Variance Amount** | **Variance Percent** | **Value Used for LTV** | **Estimated Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Company** | **Model Name** | **Confidence Score** | **FSD Score** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Company** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value Updated** | **Value Date** | **Report Type** | **Variance Amount** | **Variance Percent** | **Collateral Underwriter/Loan Collateral Advisor Risk Score** |
| XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | XX/XX/XXX | Form 1025 |  |  |  |  |  |  |  | $0.00 | 0.00% | $X,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $X,XXX.XX | XX/XX/XXX | $X,XXX.XX | XXXX | XXXX |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  |  |  |  |  |
| XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | XX/XX/XXX | URAR Form 1004 |  |  |  |  |  |  |  | $0.00 | 0.00% | $X,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $X,XXX.XX | XX/XX/XXX | $X,XXX.XX | XXXX | XXXX |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  |  |  |  | 2.6 |
| XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | XX/XX/XXX | URAR Form 1004 |  |  |  |  |  |  |  | $0.00 | 0.00% | $X,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  | $0.00 | 0.00% |  |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  |  |  |  | 1 |

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