# EDGAR Filing Document

**Accession Number:** 0001946154
**File Stem:** 0001999371-26-011427
**Filing Date:** 2026-5
**Character Count:** 706751
**Document Hash:** 06501eacbefab99ca3539f92feb2a892
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-011427.hdr.sgml**: 20260526

**ACCESSION NUMBER**: 0001999371-26-011427

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

**PUBLIC DOCUMENT COUNT**: 12

**CONFORMED PERIOD OF REPORT**: 20260526

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

**FILED AS OF DATE**: 20260526

**DATE AS OF CHANGE**: 20260526

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06259
- **FILM NUMBER:** 261017872

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>EFMT DEPOSITOR LLC</u>**

Check the appropriate box to indicate the filing obligation 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 earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person 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: 0001946154

EFMT 2026-AE4

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

Central Index Key Number of issuing entity (if applicable): ________________

Central Index Key Number of underwriter (if applicable): __________________

Robert A. Catarella, (203) 409-3596

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

#### PART I: REPRESENTATION AND WARRANTY INFORMATION
Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

#### PART II – 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 Issuer
The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

**Item 2.02 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Underwriter**

Not Applicable

#### 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.

---

| | | |
|:---|:---|:---|
|  | **EFMT DEPOSITOR LLC** | **EFMT DEPOSITOR LLC** |
|  | By: Ellington Management GROUP, L.L.C., <br> as its manager | By: Ellington Management GROUP, L.L.C., <br> as its manager |
| Date: May 26, 2026 | /s/ Robert A. Catarella | /s/ Robert A. Catarella |
|  | Name: | Robert A. Catarella |
|  | Title: | Managing Director |

---

**EXHIBIT INDEX**

99.01 [Digital Risk, LLC ()"**Digital Risk**") Narrative](ex99-01.htm)

1. [Digital Risk Findings Summary Report](ex99-01s1.htm)

2. [Digital Risk Exception Report](ex99-01s2.htm)

3. [Digital Risk Rating Agency Grades Report](ex99-01s3.htm)

4. [Digital Risk Valuation Report](ex99-01s4.htm)

5. [Digital Risk DI Summary Report](ex99-01s5.htm)

6. [Digital Risk DI DD Standard Report](ex99-01s6.htm)

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.01**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC ("Client"). The review included a total of 344 originated residential mortgage loan, in connection with the securitization identified as EFMT 2026-AE4 (the "Securitization"). The review began on July 23, 2025 and concluded on May 21, 2026.

**Scope of Review**

**DUE DILIGENCE REVIEWS – DSCR Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT REVIEW .

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

1. <u>Review Initial & Final Application</u> 

&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.

&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;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date,

2. <u>Review Approval Conditions</u> 

&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;b. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of DSCR or qualification method and LTV calculations

3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy Red Flags adequately addressed

4. <u>Verification of Borrower Original and Audit Credit Report</u> 

&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;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable credit history and credit score requirements in conformance with Goldman's guidelines.

5. <u>Order and Reviews Risk IQ Report (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&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;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Identifies bankruptcy filings with the Borrower(s) name.

6. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Validate borrowers monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate DSCR Calculation of rent per lease or comparable rent schedule from appraisal
divided by the subject total PITIA payment – DSCR If Lease and comparable rent payments differ Digital Risk will refer to the client
guidelines for further guidance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&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;ii. Check dates for document expiration

7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DSCR and any required upfront premium is paid

9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

10. <u>Review Closing Documents</u>.

&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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation Review

1. <u>Review Appraisal</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital Risk'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. Digital Risk's review included verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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, or if the appraisal was performed for another lender, the file contains evidence
that Client approved use of that appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval of the closing of the loan.
Any revisions, if made known to Digital Risk, to the original report are documented and dated completed and dated within the guideline's
restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party valuation
product. If a third-party valuation product is in file, but notes a variance above 10% or an inconclusive value, Digital Risk will review
third-party products in the file to ensure the correct value was applied per Client Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, Digital Risk's review will (a) 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; (b) confirm the property value and square footage of the subject property was bracketed by comparable
properties, (c) verify that comparable properties used are similar in size, style, and location to the subject, and (d) check for the
reasonableness of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of Digital Risk's review include (i) verifying that the address matched the mortgage
note, (ii) if requested, noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying
the Client of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal
notes the current use of the property is legal or legal non-conforming (grandfathered), (v) 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 if there are negative external factors, there is support in the loan file of the Client's approval
to waive the factor; and (vi) confirming that the value product that was used as part of the origination decision conforms with rating
agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, Digital Risk will confirm consistency among the valuation products
and if there are discrepancies that could not be resolved, Digital Risk will create an exception and work 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 Digital Risk's review result in a variance of more than 10%
then the Client will be notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital Risk will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser
both satisfied the requirements of Title XI of FIRREA. Specifically, Digital Risk will review the appraisal for conformity to industry
standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were documented and that pictures
were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, Digital Risk will access 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.

&nbsp;&nbsp;&nbsp;&nbsp;C. Compliance Review

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

1. Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026,
as set forth below (for applicable Owner Occupied Properties):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) business day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. 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;

2. <u>TILA</u> (for applicable Owner Occupied Properties)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

3. Business Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner Occupied Declaration Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify reflects correct address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify application address is different from subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verify executed by all borrowers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Letter (must state that borrower(s) will not reside in the property for more than 14 days on
any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State Predatory lending and high cost when applicable

4. <u>Exclusions</u>. Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January
1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>QM/ATR Credit Review – (If applicable)</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, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

&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. 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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital Risk 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. Digital Risk determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage
loan designation. Generally, Digital Risk notes as a material exception if the due diligence findings do not confirm the originator's
mortgage loan designation. Additionally, Digital Risk 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital Risk 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With respect to QM (Safe Harbor and Higher-priced)
designated mortgage loans, Digital Risk 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.

---

| | |
|:---|:---|
| e. | If a mortgage loan was designated as QM, Digital Risk 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. |
|  | For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Digital Risk 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that does not
satisfy the applicable requirements enumerated above, Digital Risk 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Digital Risk 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;&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;&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;&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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. 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

---

| | |
|:---|:---|
| 2. | <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> |
|  | Pricing Thresholds: |

---

&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. Pricing for First Lien 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to $66,156 but less than
$110,260; 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;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

&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. Pricing for Subordinate Lien 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156; 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;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

&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. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. 2.25% for a first-lien covered transaction secured by a manufactured home1 with a loan amount equal to or
greater than $110,260; 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;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that
secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verification of Income and Assets:

---

| | |
|:---|:---|
| a. | Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement. A creditor is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline per loan. |
|  | The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are: |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 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;ii. 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;iii. 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;iv. 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;v. 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;vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed
Loan Program, revised March 19, 2020.

**DUE DILIGENCE REVIEWS – Bank Statement Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT REVIEW .

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

The "Credit Review" included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Initial & Final Application</u> 

&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. 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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Review AUS Decision and Approval Conditions</u> 

&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. Accept/Eligible decision

&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. AUS data integrity

&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. Underwriting decision is supported (AUS or 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of income 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;e. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of DTI 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;g. Validation of LTV 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;h. Reconcile AUS mismatches

&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. Validation of payment shock calculations 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;j. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Review Occupancy/Red Flags</u> 

&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. Occupancy is supported

&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. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Reverification of Borrower Original and Audit Credit Report (if needed)</u> 

&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. Validate names, social security number(s), and addresses

&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. AKA's investigated and cleared

&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. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score 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;e. The Reverifications within this section are intended to meet the Client Guidelines,
Additional Guidelines or Agency Guidelines for post-closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Order and Reviews Risk IQ Report to compare vs loan documentation (if requested)</u> 

&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. Validates Social Security number and year issued

&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. Verifies address information associated with the Borrower (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;c. Confirms OFAC clearances

&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. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Verification of Borrower Employment, Income, and Asset Information</u> 

&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. 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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against
re-verification documents

---

| | |
|:---|:---|
| ii. | W-2s and Paystubs |
| iii. | Transcripts (as applicable) support income |
| iv. | Tax Returns and Profit and Loss Statements, as applicable |
| v. | Bank Statements or other Alternate Income documents as required by the Client |
|  | Guidelines or Additional Guidelines |
| vi. | Consistent/Continuing Employment |
| vii. | The Reverifications within this section are intended to meet the Agency Guidelines |
|  | for post- closing quality control reverifications. (If needed) |

---

&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. Assets

---

| | |
|:---|:---|
| i. | Confirm adequate funds to cover required down payment and closing costs and |
|  | reserves |
| ii. | Check dates for document expiration |
| iii. | Sufficient funds were sourced and seasoned |
| iv. | Gift funds verified and met Client Guidelines or Additional Guidelines |
| v. | The Reverifications within this section are intended to meet the Client or Agency |
|  | Guidelines for post- closing quality control reverifications. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Sales Contract</u> 

&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. Complete and executed

&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. Earnest Money Deposit verified

&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. Parties are consistent

&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. Seller contributions are within Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Hazard and Flood (if applicable)</u> 

&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. Verify sufficient coverage

&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. Verify coverage is for subject

&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. Validate all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Mortgage Insurance (if applicable)</u> 

&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. Certificate in 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;b. Sufficient Coverage

&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. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Review Title Commitment/Policy</u> 

&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. Vesting correct

&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. Lien position

&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. Legal description

&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. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Review Closing Documents</u> 

&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. 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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>QM/ATR Credit Review – (If applicable)</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, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

&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. 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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital Risk 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. Digital Risk
determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation.
Generally, Digital Risk notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan
designation. Additionally, Digital Risk 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital Risk 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Digital
Risk 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Digital Risk 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that satisfied the applicable requirements
enumerated above, Digital Risk 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable requirements
enumerated above, Digital Risk 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Digital Risk 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;&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;&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;&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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. 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

15. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> <br>Pricing Thresholds:

&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. Pricing for First Lien 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to $66,156 but less than
$110,260; 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;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Pricing for Subordinate Lien 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156; 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;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. 2.25% for a first-lien covered transaction secured by a manufactured home1 with a loan amount equal to or
greater than $110,260; 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;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that
secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Verification of Income and Assets:

---

| | |
|:---|:---|
| b. | Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement. A creditor is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline per loan. |
|  | The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are: |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. 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;viii. 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;ix. 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;x. 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;xi. 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;16. 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;B. Valuation Review

&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. Digital Risk'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. Digital Risk's review included verifying
the appraisal report.

&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. On the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Ensure all applicable Loan documents match appraisal 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for 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;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. 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, or if the appraisal was performed for another lender, the
file contains a transfer letter from the original 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval of
the mortgage loan application; Any revisions, if made known to Digital Risk, to the original report are documented and dated completed
and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. The original appraisal is 'As is' or Inspection received 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Determine whether the appraised value is supported at or within 10% variance based
on a third-party valuation product. If a third-party valuation product is in file, but notes a variance above 10% or an inconclusive value,
Digital Risk will recommend a BPO or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. With regard to the use of comparable properties, Digital Risk's review will
(a) 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; (b) confirm the property value and square footage of the subject property
was bracketed by comparable properties, (c) verify that comparable properties used are similar in size, style, and location to the subject,
and (d) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Other aspects of Digital Risk's review include (a) verifying that the address
matched the mortgage note, (b) if requested, noting whether the property zip code was declared a FEMA disaster area after the valuation
date and notifying the Client of same, (c) confirming the appraisal report does not include any apparent environmental problems, (d) confirming
the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (e) reviewing pictures to ensure
(1) that the property is in average or better condition and any repairs are noted where required and (2) that the subject property is
the one for which the valuation was ordered and that there are no negative external factors; and (f) confirming that the value product
that was used as part of the origination decision conforms with rating agency 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;c. If more than one valuation was provided, Digital Risk will confirm consistency
among the valuation products and if there are discrepancies that could not be resolved, Digital Risk will create an exception and work
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 Digital Risk's review result in a variance of
more than 10% then the client will be notified of such variance.

&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. Digital Risk will confirm to the extent possible, that the appraiser and the appraisal
made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital Risk will review the appraisal for
conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable
and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, Digital Risk will access 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. COMPLIANCE REVIEW .

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

The below Compliance Review is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Digital Risk 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. Digital Risk 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 Digital Risk 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&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. Review the Initial LE and confirm (i) the correct form was used; (ii) all sections
of the Initial LE are completed; and (iii) the Initial LE accurately reflects the information provided to Digital Risk

&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. If there is a Revised LE, confirm (i) that there is a "valid reason" for the Revised 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) that the Revised LE was issued within three (3) days of the change.

&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. Determine which LE in the file is the "final binding" LE for the purpose
of Tolerance Testing. A Revised LE that is issued after the CD, or that does not state a valid reason will not be used for the purposes
of Tolerance Testing. All revised LEs issued to the consumer will be reviewed for accuracy of 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;d. Confirm initial LE was delivered within three (3) business days from the application
date, and at least seven (7) business days prior to the consummation 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;e. Confirm revised LE was delivered within three (3) business days from date of the
"valid reason" giving rise to the Revised LE, and at least four (4) business days prior to the consummation 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;f. Confirm that certain sections of each LE determined to carry assignee liability
were accurately completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&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. Review the CD review and confirm (i) the correct form was used; (ii) all sections
of the CD are completed; and (iii) the CD accurately reflects the information provided to Digital Risk.

&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. If a subsequent CD is issued, confirm (i) that there was a valid reason for the
change; (ii) that the CD was issued within three (3) days of the change; and (iii) whether the reason for the change requires a new 3-day
waiting period prior to the consummation 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;c. Confirm Initial CD, and any subsequent CD with material changes (i.e. changes
that require a new waiting period), was received at least three (3) business days prior to the consummation date. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation
Z, 12 C.F.R. Part 1026, as set forth below:

Rescission <br> a. Failure to provide the right of rescission notice;

&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. failure to provide the right of rescission notice in a timely manner and to the correct
consumer(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;c. errors in the right of rescission notice;

&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. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) business day rescission period; 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;f. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed
in the final binding LE to those in the final CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence
that certain changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan originator followed
the prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
and (iii) 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>TILA</u> 

&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. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Prepayment penalty test; 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;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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. APR threshold test; 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;ii. Compliance with the escrow account and appraisal 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;c. With respect to brokered mortgage loans, the Prohibitions and Restrictions related
to Loan Originator Compensation and Steering (§1026.36):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 relevant documentation to determine if compensation to a Loan Originator was
based on a term of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Review relevant document to determine if there was dual compensation; 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;iii. Review the presence of the mortgage loan option disclosure and to determine if the
Steering Safe Harbor provisions were satisfied.

· Note: Where available, Digital Risk 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, Digital Risk'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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Determine if the creditor financed, directly or indirectly, any premiums or fees
for credit insurance in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>RESPA:</u> 

&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. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 the presence of the Servicing Disclosure Statement form in the mortgage
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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the Servicing Disclosure Statement was provided to the borrower(s) within
three (3) business days of 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the presence of the Your Home Loan Toolkit/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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Confirm the Your Home Loan Toolkit /Special Information Booklet was provided within
three (3) business days of 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm the presence of the CHARM booklet when 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the CHARM booklet was issued within three (3) business days of 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage
loan 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm the Affiliated Business Arrangement Disclosure was provided no later than
three (3) business days of 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Confirm the presence of the Initial Escrow Disclosure Statement in the mortgage
loan file and proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation B, 12
C.F.R. Part 1002, 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;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Timing of creditor providing a copy of each appraisal or other written valuation;
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;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Other Provisions</u> 

&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. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI
of the Texas Constitution and associated regulations;

&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. Fed/State/Local Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 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;

&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. Prepay Penalties and Late 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Exclusions</u>. Digital Risk will not test:

&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. Loan types that are excluded from compliance with 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;b. Technical formatting of 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;c. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage
servicing transfer and partial payment notices.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 344 loans. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;20 | &nbsp;&nbsp;5.81% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;26 | &nbsp;&nbsp;7.56% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;60 | &nbsp;&nbsp;17.44% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.62% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;4.07% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;66 | &nbsp;&nbsp;19.19% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;48 | &nbsp;&nbsp;13.95% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;15 | &nbsp;&nbsp;4.36% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;33 | &nbsp;&nbsp;9.59% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;18 | &nbsp;&nbsp;5.23% |
| &nbsp;&nbsp;The Original Principal and Interest Payment Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |

---

**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 Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;277 | &nbsp;&nbsp;$94020859.00 | &nbsp;&nbsp;80.52% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;54 | &nbsp;&nbsp;$22537850.00 | &nbsp;&nbsp;15.70% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;13 | &nbsp;&nbsp;$4843106.00 | &nbsp;&nbsp;3.78% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;344 | &nbsp;&nbsp;$121401815.00 | &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 Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;334 | &nbsp;&nbsp;$117449665.00 | &nbsp;&nbsp;97.09% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;9 | &nbsp;&nbsp;$3794650.00 | &nbsp;&nbsp;2.62% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;1 | &nbsp;&nbsp;$157500.00 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;344 | &nbsp;&nbsp;$121401815.00 | &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 Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;300 | &nbsp;&nbsp;$104693059.00 | &nbsp;&nbsp;87.21% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;32 | &nbsp;&nbsp;$12023150.00 | &nbsp;&nbsp;9.30% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;12 | &nbsp;&nbsp;$4685606.00 | &nbsp;&nbsp;3.49% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;344 | &nbsp;&nbsp;$121401815.00 | &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 Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;290 | &nbsp;&nbsp;$98928643.00 | &nbsp;&nbsp;94.77% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;16 | &nbsp;&nbsp;$8318550.00 | &nbsp;&nbsp;5.23% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;306 | &nbsp;&nbsp;$107247193.00 | &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 complies 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 complies with all material 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 valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. 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 valuation methodology does not meet applicable published guidelines for the program.<br> The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products, the lower of the appraised value, purchase price for purchases, and reconciliation value will be used to establish lending value.<br>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 valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 1**

EFMT 2026-AE4 Rebuttal Findings_Redacted

---

| |
|:---|
| Seller: |
| Deal ID: |
| Total Loan Count: 344 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Loans by Grade in Population | Loans by Grade in Population | Loans by Grade in Population | Trade Summary | Trade Summary | Trade Summary |
| Loan Grade | Count | Percentage | Loan Status | Count | Percentage |
| 1 | 277 | 80.52% | Review Complete | 331 | 96.22% |
| 2 | 54 | 15.70% | In Rebuttal | 13 | 3.78% |
| 3 | 13 | 3.78% |  |  |  |
| ![](pie-chart1.jpg) | ![](pie-chart1.jpg) | ![](pie-chart1.jpg) | ![](pie-chart2.jpg) | ![](pie-chart2.jpg) | ![](pie-chart2.jpg) |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| |  |  |  | Finding Status | Finding Status | Finding Status | Finding Status | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |
| Initial Findings Grade | Count | Rebuttal Received | Responses Given | Open | Resolved | UpHeld | Void | 3 | 4 | 2 | 1 |
| 3 | 284 | 258 | 277 | 16 | 259 | 0 | 0 | 16 | 0 | 41 | 227 |
| 4 | 2 | 2 | 2 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 2 |
| 2 | 23 | 1 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | 22 | 1 |
| 1 | 764 | 8 | 9 | 730 | 1 | 0 | 8 | 0 | 0 | 0 | 764 |
|  | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| |  | Initial Finding Grade | Initial Finding Grade | Initial Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |
| Exceptions | Count | 3 | 4 | 2 | 3 | 4 | 2 |
| Compliance | 129 | 105 | 1 | 23 | 15 | 0 | 38 |
| QM - Points and Fees | 30 | 30 | 0 | 0 | 1 | 0 | 0 |
| TRID - Zero Tolerance Violation (No Valid COC) | 18 | 18 | 0 | 0 | 3 | 0 | 7 |
| TRID - CD - Section B incorrect payee | 13 | 0 | 0 | 13 | 0 | 0 | 13 |
| TRID - 10% Tolerance Violation (No Valid COC) | 11 | 11 | 0 | 0 | 2 | 0 | 6 |
| Security Instrument - Inaccurate | 6 | 6 | 0 | 0 | 3 | 0 | 0 |
| TRID - CD - Total of Payments (TOP) Non-Rescindable | 4 | 4 | 0 | 0 | 2 | 0 | 1 |
| TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Compliance Finding - Missing Business Purpose Documentation | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - $100 Tolerance Threshold/Non-Rescindable | 3 | 3 | 0 | 0 | 2 | 0 | 0 |
| TRID - Zero Tolerance Violation (Disclosure Timing Fail) | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Missing Rider/Addendum | 3 | 3 | 0 | 0 | 1 | 0 | 0 |
| TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | 3 | 3 | 0 | 0 | 0 | 0 | 1 |
| HOC - Late | 2 | 0 | 0 | 2 | 0 | 0 | 1 |
| TRID - CD - Revised CD Delivery Date (No Waiting Period) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Loan Disclosures/Escrow Account | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| Security Instrument - Incomplete | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| State Regulations | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| TRID - CD/Payee Not Listed | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| Note - Trust Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Trust Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Note - Signature Discrepancy | 1 | 1 | 0 | 0 | 1 | 0 | 0 |
| TRID - 10% Tolerance Violation (Disclosure Timing Fail) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - Initial LE/Delivery Date (from application) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Missing | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| TRID - CD - $35 Tolerance Threshold/Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| TRID - CD - Closing Information/Disbursement Date | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| TRID - CD - Closing Information/Closing Date | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Federal Testing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Property Address Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Note - Incomplete | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - LE/Revised LE Delivery Date (prior to consummation) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| State Disclosure - Georgia Right to Select an Attorney/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Name Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit | 116 | 115 | 1 | 0 | 1 | 0 | 9 |
| Debts - Not Verified | 33 | 33 | 0 | 0 | 0 | 0 | 2 |
| Hazard Insurance - Missing/Insufficient | 12 | 12 | 0 | 0 | 0 | 0 | 1 |
| Credit - Other | 8 | 8 | 0 | 0 | 0 | 0 | 1 |
| Income - Business Tax Returns | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| Income - W2(s) Missing | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| Assets - Cash to Close | 4 | 4 | 0 | 0 | 0 | 0 | 1 |
| Verification Documentation - VVOE Salaried/Missing | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Income - Insufficient Documentation | 3 | 3 | 0 | 0 | 0 | 0 | 2 |
| Appraisal - Missing required 1004 D | 3 | 3 | 0 | 0 | 0 | 0 | 1 |
| Title Commitment - Missing/Incomplete | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VOE Self-Employed/Missing | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Assets - Large Deposits/Unacceptable | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Income - Missing or Incomplete Lease Agreement | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Liabilities - Mortgage Payment History | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Other | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Condo - Documentation | 2 | 2 | 0 | 0 | 1 | 0 | 0 |
| Liabilities - Excluded Debts | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| FEMA | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Income - Pay Stubs Missing | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Contract - Missing | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| AUS - Discrepancy/Conforming Loan | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Income - Tax Return Documentation Incomplete | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Assets - Minimum Reserves | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Condo - HOA Dues | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Rental Property Income | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Other/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Assets - Other | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| AUS - Approval Conditions/Conforming Loan | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Mortgage History - Missing/Incomplete | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Assets - Source | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Repairs | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| MI - Missing Documentation | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Verification Documentation - VOE/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Valuation | 64 | 64 | 0 | 0 | 0 | 0 | 16 |
| Appraisal - Value is not supported within 10% of original appraisal amount | 64 | 64 | 0 | 0 | 0 | 0 | 16 |

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![](barchart_001.jpg)

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **DD Start Date** | **DD Delivery Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **SOL Expiration Date** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 2124092 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124092 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124092 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124093 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124093 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124093 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124094 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124094 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124094 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124095 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124095 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124095 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153297 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153297 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153297 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file did not contain any other valuation product to support the appraised value. | Resolved |  | Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>| XXXX (XX/XX/XXXX XX:XXAM)<br> DVR UPLOADED<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153298 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153298 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153298 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153286 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153286 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | AUS - Approval Conditions/Conforming Loan | XXXX | DU condition number XXXX reflects the number of financed properties XXXX used to determine loan eligibility and reserve requirements; however, the number of financed properties is XXXX. This must be updated and the loan resubmitted to DU. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded new AUS<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153286 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | DU condition # XXXX reflects the HELOC with XXXX #XXXX omitted. Lender condition required HELOC to be documented as paid in full and closed and is missing from the file. The HELOC was not reflected on the application or secured by a real estate owned. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded satisfied XXXX documentation<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153286 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The file is missing the executed CDs for the properties that refinanced simultaneously with the subject property located at XXXX and XXXX #XXXX to confirm loan terms, if escrowed, and if funds required to close. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded documentation on XXXX and XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153286 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application reflects a new mortgage loan with XXXX in the amount of $XXXX secured by the property at XXXX. with a monthly payment of $XXXX to include escrows. The file is missing the executed CD, terms, verification the loan is escrowed, and funds required to close. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded payment info on CD for XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153286 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The hazard insurance for the properties at XXXX XXXX XXXX and XXXX missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded insurance for XXXX and XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153286 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage payment history for XXXX XXXX with a monthly payment of $XXXX and balance of $XXXX secured by the property at XXXX not reflected on the credit report or independently verified as conditioned for per DU condition #XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded documentation for Choctaw<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153286 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153299 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Closing Protection Letter, XXXX, and Title Commitment. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lender response: Per our PCCD team - LE (Attached) XXXX is the SSPL and on the FCD XXXX is the Title co. From that, the cure is not valid here. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153299 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153299 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153336 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153336 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153336 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153300 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153300 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153300 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153287 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153287 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153287 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score was UNK. The loan file did not contain any other valuation product to support the appraised value. ? | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153288 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153288 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153288 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153301 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: XXXX% of total loan amount. The following fees were included in the testing: Loan Origination Fee $XXXX and Points - Loan Discount Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Uploaded Compliance report, see page XXXX regarding bona fide discount points.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153301 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded lender documentation<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153301 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Points - Loan Discount Fee. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX Uploaded Compliance report, see page XXXX regarding bona fide discount points.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Although a valid COC has been provided for the increase to the Points - Loan Discount fee, the loan is failing the Initial CD timing test and all COC's are not considered valid for tolerance purposes. . A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153301 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153301 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153302 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153302 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Business Tax Returns | XXXX | Copies of signed federal business income tax returns (including all schedules) were not obtained or were not properly retained in the file. For XXXX only the k1's have been provided for XXXX. Have complete XXXX returns however to accurately determine the income need complete XXXX's for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> uploaded XXXX XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> uploaded federal XXXXs<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX XXXX return provided. Please provide Federal 1120S. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153302 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153337 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153337 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | FEMA Declaration declared XX/XX/XXXX for XXXX Severe Winter Storm [DR-XXXX-XXXX] with an incident period of XX/XX/XXXX – XX/XX/XXXX which is after the original appraisal date XX/XX/XXXX. Please provide Property Inspection to confirm no damage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded free and clear disaster cert<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153337 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CDA provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> DVR not received. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> DVR not received. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>XXXX 3 (XX/XX/XXXX XX:XXAM)<br> DVR<br>Buyer Comment 4 (XX/XX/XXXX XX:XXAM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153338 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153338 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153338 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153289 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Recording Fees. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded redisclosure, loe, check and overnight tracking<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2153289 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153289 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153291 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B - Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. (XXXX). However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153291 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153291 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153290 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153290 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153290 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score XXXX. The loan file did not contain a CDA. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153339 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153339 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153339 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153383 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153383 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153383 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153384 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153384 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The XXXX disclosed an investment property on the loan application with an address of XXXX and stated TIA of $XXXX per month. The loan file contained a copy of the associated hazard insurance; however, there was no documentation provided to verify the taxes. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> uploaded tax information for XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153384 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153385 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153385 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153385 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score of XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2153303 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153303 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | The Loan file did not contain required condo documentation. The loan file contains a Project Warranty Form indicating the subject condo is only subject to a streamlined review. The XXXX Seller guide requires evidence that no more than XXXX% of the total number of units in the project are XXXX or more days delinquent in the payment of each special assessment. There was no documentation provided to support a streamlined review. A condo questionnaire is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded condo questionnaire<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153303 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153304 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153304 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153304 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153305 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153305 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153305 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153306 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced XXXX is missing: Exhibit A/Legal Description. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded recorded mortgage with Ex A<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153306 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153306 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153292 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153292 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153292 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153386 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153386 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153386 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153307 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153307 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153307 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153308 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153308 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153308 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153309 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153309 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153309 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153387 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153387 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan closed within XXXX months of the original purchase; therefore considering the loan as a qualified cash out refinance of an investment property under the FNMA Delayed Financing guidelines. The appraisal reflected an increased value from the original purchase date of XX/XX/XXXX due to renovations. The loan file did not contain evidence of renovation budget/costs; therefore, the subject loan amount exceeds delayed financing cash out limits, which include the cost to purchase, closing expenses, and renovation budget. The current documentation in the loan file reflects the subject loan is $XXXX, but would be capped at a maximum amount of $XXXX. Please provide the renovation budget to ensure the subject loan amount does not exceed delayed financing guidelines. It should be noted, if the maximum delayed financing loan amount allowed does not meet the subject loan amount of $XXXX; the subject loan would be an ineligible transaction due to cash out refinance seasoning of less than XXXX months per FNMA guidelines. \*\*additional conditions may apply \*\*\* | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lender response: The original purchase date was known as an issue by the MLO and myself. There were notes in the conversation log from the very beginning about this. Per cash out refinance rules, we had to wait at least XXXX months to close. Closing was XX/XX/XXXX, deed was recorded XX/XX/XXXX, this loan closed on XX/XX/XXXX. That should XXXX months and we should be within guidelines<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Response from Lender - Unless I am misunderstanding something I calculate it as being XXXX months and XXXX days from close date to close date. The original purchase of the property was XX/XX/XXXX (see attached settlement statement) and the Refinance closed XX/XX/XXXX (see attached closing disclosure). Friday, XXXX to Tuesday, XXXX = XXXX days or XXXX months, XXXX days excluding the end date.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Closing date to closing date is the timeframe, which is less than XXXX months. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Agreed. XXXX months and XXXX days. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153387 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan closed within XXXX months of the original purchase; therefore considering the loan as a qualified cash out refinance of an investment property under the FNMA Delayed Financing guidelines. The loan file did not contain source of funds for the original purchase on XX/XX/XXXX as required. \*\*\*additional conditions may apply \*\*\* | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lender response: The original purchase date was known as an issue by the MLO and myself. There were notes in the conversation log from the very beginning about this. Per cash out refinance rules, we had to wait at least XXXX months to close. Closing was XX/XX/XXXX, deed was recorded XX/XX/XXXX, this loan closed on XX/XX/XXXX. That should XXXX months and we should be within guidelines<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Response from Lender - Unless I am misunderstanding something I calculate it as being XXXX months and XXXX days from close date to close date. The original purchase of the property was XX/XX/XXXX (see attached settlement statement) and the Refinance closed XX/XX/XXXX (see attached closing disclosure). Friday, XXXX to Tuesday, XXXX = XXXX days or XXXX months, XXXX days excluding the end date. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Closing date to closing date is the timeframe, which is less than XXXX months. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Agreed. XXXX months and XXXX days. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153387 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153310 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153310 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153310 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153311 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX, Tax Service Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153311 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153311 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153312 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153312 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The file contained no evidence of a properly executed sales contract. The loan contains a seller & buyer questionnaire; however, the loan file does not obtain a fully executed purchase agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded fully executed escrow instructions to support questionnaire. This was a XXXX so an actual contract is not required. Escrow instructions signed by all provided by the closing agent should suffice.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153312 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153313 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153313 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153313 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153314 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153314 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153314 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153293 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153293 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153293 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153379 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153379 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153379 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153316 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153316 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153316 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153294 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Revised CD Delivery Date (No Waiting Period) | XXXX | This loan failed the revised Closing Disclosure delivery date test (no waiting period required) due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> uploaded lender documentation<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> uploaded initialed signature page of CD with lox<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The CD issued on XX/XX/XXXX has been provided. The Final CD issued on XX/XX/XXXX was dated by the borrowers of XX/XX/XXXX; it appears to be an error with the date and the mailing rule was applied. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153294 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153294 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU in file did not reflect a score. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153317 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153317 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153380 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153380 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Source | XXXX | The gift funds required to close were not properly sourced and/or seasoned. Per the Selling Guide, 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 an electronic transfer, certified check, a cashier's check, or other official check. The loan file did not contain any documentation to confirm the gift funds came from donor listed on the gift letter. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded proof of gift funds wire <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153380 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153381 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording Fees (XX/XX/XXXX). A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lender response - • XXXX% bucket last disclosed originally at XXXX +XXXX% = $XXXX • Final CD has $XXXX so we are still within tolerance. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> uploaded redisclosure, package to be delivered by XX/XX/XXXX. XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The explanation provided is not sufficient to cure the finding. The borrower choose their own title company and all XXXX fees with the exception of the Recording fee were tested at unlimited tolerance. Per 1026.19(e)(3)(ii), Recording fees are held to XXXX% tolerance testing. The LE issued on XX/XX/XXXX disclosed the Recording fee as $XXXX. The CD issued on XX/XX/XXXX disclosed the Recording fee as $XXXX without providing a valid COC for the increase. A detailed reason/COC stating what caused the increase to the Recording fee is required to determine if the COC is valid. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2153381 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153381 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153382 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153382 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153382 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153373 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153373 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153373 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153374 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153374 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153374 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score is XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153318 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153318 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153375 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153375 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153375 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153319 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153319 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153319 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX and the LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153320 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153320 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153320 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No CU score available. The loan file did not contain any other valuation product to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Value supported within 10% of original appraisal amount; however, the FSD score was greater than XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Additional secondary valuation product supports. Downgraded to EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2153376 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153376 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153376 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a LCA score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153377 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153377 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Repairs | XXXX | The appraisal indicated repairs and improvements were required to support value, and no final inspection or evidence of completion was found in the file. Page XXXX of appraisal provided stated that there are carpet repairs that need to be completed however there is no final inspection for the carpet repair part of the subject to condition. Please provide final inspection for the carpet. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded Lender response and photos from zilllow<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153377 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. XXXX/XXXX - large deposit on XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX. Cannot back out funds we would be short reserves, so need to be sourced | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded copies of checks<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153377 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Business Tax Returns | XXXX | Copies of signed federal business income tax returns (including all schedules) were not obtained or were not properly retained in the file. Borrower has the XXXX marked as self-employed and there are no personal or business returns provided. XXXX XX/XX/XXXX states that returns are required for the XXXX businesses listed. Cannot determine the rental income or self-employed income without the documents provided. Leases provided reflect that the rental income is with the business and not the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded documentation from Lender<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153377 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Pay Stubs Missing | XXXX | The required pay stubs were not obtained from the applicant(s) or were not properly retained in the file. No paychecks where provided, we only have a written VOE which lists the commission income. We do not have a complete XXXX year history and the employer also states that the borrower is an independent contract which would require schedule C personal returns. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded lender documentation<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153377 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153378 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153378 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153378 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153367 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153367 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153367 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153321 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153321 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153321 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153368 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153368 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153368 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file had a CU score of XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153369 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153369 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153369 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153370 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153370 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153370 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153322 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153322 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153322 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153323 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153323 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153323 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153324 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153324 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153324 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153325 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX, Condo/PUD Documentation Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153325 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. Deposit of XXXX into XXXX is not sourced. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded Lender documentation<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153325 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. Currently short cash to close. Located XXXX of the XXXX gifts going directly into the borrowers account on XXXX/XXXX and XXXX/XXXX ($XXXX and $XXXX respectively). EMD cleared the checking account on XX/XX/XXXX which is verified. Missing Gift of $XXXX (per AUS gift broken into XXXX gift amounts). Need to document gift since it is not collected on the CD so funds would have gone directly into the borrowers XXXX account ending in XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded asset documentation from Lender<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Recalculated reserve shortage is $XXXX, which is withing DU tolerance. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153325 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Excluded Debts | XXXX | There was no explanation or support for the omission of one or more debts from the initial application. Truist auto loan is being omitted since the husbands business pays the debt. We need to have XXXX consecutive bank statements reflecting that the business has made the payments on time and we are currently missing payments being made from the business account for XXXX/XXXX, XXXX/XXXX and XXXX/XXXX. If debt is included the DTI increases to XXXX% and we would be over the XXXX% DTI XXXX allowed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded documentation from Lender<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153325 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153371 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee 'compensation to' reflects either 'Lender or Broker' under Section B - Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX: Tax Service. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153371 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153371 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153372 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153372 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153372 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153362 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153362 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153362 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Theloan file contains a UCDP with a CU of NA. The loan file does not contain aCDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Value supported within 10% of original appraisal amount; however, the FSD score was greater than XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Downgraded to EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2153326 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: XXXX% of total loan amount (for loans > $XXXX). The following fees were included in the testing: Discount Points $XXXX, Processing Fee $XXXX, and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded documents received from Lender<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> uploaded Lender response<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The ATR worksheet has been provided indicating a portion of the Points - Loan discount are XXXX; however, the Undiscounted Rate has not been provided. Please provide the XXXX rate for accurate testing. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153326 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153326 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score is N/A. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did not support the origination value within 10%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Downgraded to an EV2 rating. (XXXX)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2153327 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153327 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | FEMA Declaration declared XX/XX/XXXX for XXXX Severe winter Storm [XXXX] with an incident period of XX/XX/XXXX – XX/XX/XXXX which is after the original appraisal date XX/XX/XXXX and Closing date XX/XX/XXXX. Please provide Property Inspection to confirm no damage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded disaster inspection - free and clear from property damage <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153327 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153363 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The notary acknowledgement, page XXXX of XXXX, does not list who appeared before the notary and how they verified their identity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The SI is a FNMA Form XXXX which does not require the names of the borrowers to be printed above XXXX statement. It states XXXX, sealed, and delivered in the presence of.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153363 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153363 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153295 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B - Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX: Verification Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153295 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153364 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153364 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153364 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153328 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Points - Loan Discount Fee $XXXX, Processing Fee $XXXX and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lender response: This loan originated as a business purpose loan which has a XXXX% limit.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Lender response uploaded<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investment loans still fall under qualified mortgages. The loan was not designated by the lender as business purpose exempt, therefore treated as a TRID loan. Under QM if the loan amount is greater than $XXXX, the QM points threshold is XXXX%. If discount points are XXXX, please provided the undiscounted par rate. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Based on the Lender information provided, the loan was originated as a Business Purpose loan Exempt from QM testing. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153328 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | Per AUS, the borrower was required to verify the mortgage history for the purchase of XXXX, XXXX XXXX with loan amount XXXX and monthly payments $XXXX. The origination XXXX indicates an Loan Estimate was obtained in the loan file reflecting PITI. The loan file contains a declaration page for hazard insurance for the purchase property. However, the loan file does not obtain an LE as indicated or documentation verifying the total monthly payment of $XXXX for loan amount $XXXXK. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> uploaded lender documentation<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153328 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153329 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153329 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file does not contain adequate information on the debts associated with the borrower's primary residence located at XXXXXXXX XXXX. Please provide a VOM or Mortgage Statement to determine if monthly payment includes escrows for the property, there is also a 2nd mortgage on the property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Uploaded proof of PITI escrowed.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153329 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a LCA score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153365 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153365 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153365 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153366 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153366 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153366 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153357 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B - Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. (Tax Service Fee). However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153357 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of HOA and taxes for XXXX XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded HOA and Tax for other REO<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153357 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153358 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold (12 CFR 1026.43(e)(3)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Loan Discount Points $XXXX, Underwriting Fee $XXXX, Verification Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX Uploaded Compliance report, see page XXXX regarding bona fide discount points.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153358 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: XXXX A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded COC From Lender<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153358 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153358 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153359 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153359 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153330 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153330 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153330 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU scores are XXXX and XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153360 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153360 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153360 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153361 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153361 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153361 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153351 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153351 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153351 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153352 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153352 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153352 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153353 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fee was not accepted: Pest Inspection/section B (XX/XX/XXXX). A cost to cure in the amount of $XXXX is required, of which $XXXX was applied at closing. The remaining cost to cure is $XXXX. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded lender response<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> uploaded letter to borrower, delivery certified mail, copy of check PCCD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The LOE provided state the Pest Inspection fee is included in XXXX% testing. The Pest Inspection fee was added to Section B on the CD issued on XX/XX/XXXX; all fees disclosed in Section B are held to XXXX% tolerance. A cost to cure in the amount of $ XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2153353 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153353 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153354 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153354 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153354 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX and the LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153331 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153331 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - W2(s) Missing | XXXX | XXXX's missing from the loan file. The loan file contained XXXX XXXX W2; however, it was unclear as to which job it pertained to. The loan file was still missing XXXX W2 for other employment. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> uploaded both W2s for B1. B2 no income/employment<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153331 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153355 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153355 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The asset documentation through the bank statements are incomplete. The loan file contains only XXXX month of asset statements for the borrowers investment accounts #XXXX, #XXXX, #XXXX, and #XXXX; however, the Final AUS/DU requires XXXX months of asset documentation. The Closing Disclosure reflects funds to close in the amount of $XXXX, with an EMD of $XXXX that did not clear plus reserves in the amount of $XXXX for total assets required to be verified of $XXXX. If the investment accounts are omitted the total assets verified meeting the XXXX month requirement is $XXXX, which the borrower would be short verified funds in the amount of $XXXX. As a result the investment asset XXXX month documentation is required. \*\*\*Additional conditions may apply \*\*\* | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The mutual fund account #XXXX of the AUS only requires the value to be documented with a current brokerage account statement.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153355 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153356 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153356 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153356 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153345 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153345 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153345 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153346 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153346 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153346 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153347 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153347 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153347 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153348 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is less than $XXXX but at least $XXXX, and the transaction's total points and fees is $XXXX, which exceeds $XXXX. The following fees were included in the testing: Administration Fee $XXXX, Points $XXXX and Processing Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uploaded rebuttal documentation received from Lender<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> UDR<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documents not received. Please resubmit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153348 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153348 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153349 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153349 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153349 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153332 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153332 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153332 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153333 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153333 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153333 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153334 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153334 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153334 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153350 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153350 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153350 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153296 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153296 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153296 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No value supporting documentation was present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did not support the origination value within 10%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Downgraded to an EV2 rating. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2153340 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153340 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153340 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153335 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153335 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153335 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU Score is XXXX. The loan file did not contain any other valuation product to support the appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153341 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153341 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153341 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153342 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153342 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153342 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score XXXX. The loan file did not contain a CDA. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153343 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153343 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153343 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153344 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153344 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153344 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file did not contain any other valuation product to support the appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153558 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153558 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153558 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal to support the origination appraised value. Additional conditions may apply. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153579 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153579 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153579 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. There is no CU score due to the subject being a XXXX unit property. No other secondary valuation product in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We do not order secondary valuation. The buyer needs to order it.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Awaiting Investor ordered secondary valuation. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153601 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153601 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144480 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144480 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Per Regulation Z, the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX, which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The following fees were included in the Finance Charge calculation: Points $XXXX, Attorney's Fee $XXXX, XXXX $XXXX, Prepaid Interest $XXXX, Processing Fee $XXXX, Tax Service Fee $XXXX, Underwriting Fee $XXXX, VOE $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Provided LOE, XXXX and Title-Continuation Fee should be included as APR fees, requested calculations as all other fees align, cannot determine the $XXXX ($XXXX) finance / TOP discrepancy <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> XXXX state XXXX cuts off at 75ltv of the appraised value; $XXXX x XXXX% = $XXXX; XXXX is cut off per amortization at XXXX months, balance $XXXX; the amortization is based on the loan amount and purchase price. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Updated testing results in a new Cost to Cure in the amount of $XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. Taking the lower of the appraised value and sales price the loan has a starting LTV/CLTV of XXXX%. XXXX does not cancel until the loan reaches XXXX%. The amortization/payment schedule provided in the original loan file shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144480 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Total of Payments (TOP) Non-Rescindable | XXXX | Non-Rescindable. The loan failed the TRID Total of Payments tolerance test. Per Regulation Z, the Total of Payments is considered inaccurate if the disclosed Total of Payments is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Total of Payments of $XXXX, which is less than the system calculated Total of Payments of $XXXX. The Total of Payments on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE updated.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Provided LOE, XXXX and Title-Continuation Fee should be included as APR fees, requested calculations as all other fees align, cannot determine the $XXXX ($XXXX) finance / TOP discrepancy <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> XXXX state XXXX cuts off at 75ltv of the appraised value; $XXXX x XXXX% = $XXXX; XXXX is cut off per amortization at XXXX months, balance $XXXX; the amortization is based on the loan amount and purchase price. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Updated testing results in a new Cost to Cure in the amount of $XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. Taking the lower of the appraised value and sales price the loan has a starting LTV/CLTV of XXXX%. XXXX does not cancel until the loan reaches XXXX%. The amortization/payment schedule provided in the original loan file shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144480 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required XXXX to validate value or required repairs. The appraisal dated XX/XX/XXXX was completed subject to repairs, specifically subject to evidence the main and attic having adequate handrails and wall damage in the hallway to the 2nd floor porch to be repaired. Completion report is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> As Is Appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144480 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is incomplete/missing. The loan file only contained XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Title Commitment<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144480 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144481 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144481 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - HOA Dues | XXXX | The file does not contain documentation supporting the HOA/Condo dues for rental property XXXX Unit XXXX. The HOA statement is required so that we may determine the monthly HOA obligation for this property. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOX for HOA. No HOA fees<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Updated XXXX, XXXX, Income Cal, AUS Findings, and HOA fee verification<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please clarify. The property is a condo. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144481 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing the mortgage statement for rental property XXXX Unit XXXX. This is needed to determine if the mortgage payment includes taxes and insurance. The recent mortgage statement is required. If the mortgage is not escrowed for taxes and insurance, the HOI policy and property tax statement will also be needed. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Mortgage Statement reflects escrows<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144482 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144482 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The final loan application reflects there is a mortgage on the borrower's primary property. We will need to determine if the taxes and insurance are escrowed in the mortgage payment to determine the full housing expense. The mortgage statement for property XXXX is missing from the loan file however is required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Statements for Mortgage and HELOC<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144482 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | Value is not supported within 10% of original appraisal amount. The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144483 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Total of Payments (TOP) Non-Rescindable | XXXX | Non-Rescindable. The loan failed the TRID Total of Payments tolerance test. Per Regulation Z, the Total of Payments is considered inaccurate if the disclosed Total of Payments is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Total of Payments of $XXXX, which is less than the system calculated Total of Payments of $XXXX. The Total of Payments on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. A cost to cure in the amount of $XXXX is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PCCD and Refund<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2144483 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The application reflects the borrower has mortgages on all properties owned however we were not able to verify the total housing expense for each property. The mortgage statements for all properties is required to determine if the mortgage is escrowed for taxes and insurance. If any of the mortgages are not escrowed for taxes and insurance then the current property tax statements, HOI policies and HOA statements if applicable are required. Please provide the mortgage statements, (HOI policies, property tax statements and HOA states if applicable} for the following properties: XXXX XXXX, XXXX, XXXX, XXXX-XXXX, and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> REO docs for all XXXX properties<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> these statements were included in previous attachment. Please advise if sufficient. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Only the PITI documentation was provided for XXXX-XXXX and XXXX. Please provide for the remaining XXXX properties. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144483 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Business Tax Returns | XXXX | The loan application reflects self employment income from the borrower's business XXXX was used for qualification; however the loan file is missing the signed business returns. The signed federal business tax returns including the XXXX and all schedule is required for XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attachment and 2nd page<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144483 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The loan application reflects the lease agreements for rental properties XXXX-XXXX and XXXX were used to calculate rental income however the loan file is missing the lease agreements for these properties. The fully executed lease agreement for each property forementioned is required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lease agreements with REO docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144483 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE Self-Employed/Missing | XXXX | A VOE must be obtained within XXXX calendar days prior to the note date for self-employment income. The loan file is missing the VOE for the borrower's self-employment income. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> VOB<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144483 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | Value is not supported within 10% of original appraisal amount. The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did not support the origination value within 10%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> DVR supports value. Downgraded to an EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2144484 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144484 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144484 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file contains a CU Score of XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2144485 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144485 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file does not contain a Verification of Mortgage, to determine whether or not the Mortgage payment includes escrows for taxes and insurance, for the borrowers primary residence located at XXXX, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Mortgage Statement reflects escrows<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144485 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The loan file did not contain an Insurance policy for the subject. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144485 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144486 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144486 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. Per the AUS dated XX/XX/XXXX, the borrower is required to evidence reserves in the amount of $XXXX in addition to the amount of cash required to close reflected on the Closing Disclosure in the amount of $XXXX. Total cash to close is $XXXX, however the loan file contains XXXX separate bank statements that reflect a grand total of $XXXX. The borrower is short closing funds of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Additional assets <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144486 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file does not contain a Verification of Mortgage, to determine whether or not the Mortgage payment includes escrows for taxes and insurance, for the borrowers primary residence located at XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Mortgage Statement reflects escrows<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144486 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The loan file did not contain an Insurance policy for the subject. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144486 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file does not contain a secondary valuation product | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144487 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144487 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. Per the XXXX and XXXX, the borrower opened a new HELOC acct on their primary residence, however the loan file does not contain documentation that reflects the terms of the new HELOC account. The borrower is required to bring $XXXX in funds to closing and evidence an additional $XXXX in reserves. The loan file contains XXXX Wells Faro accts that contain a total of $XXXX. Without funds from the aforementioned HELOC, the borrower will be $XXXX short of the required closing funds. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HELOC docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144487 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file does not contain a Verification of Mortgage, to determine whether or not the Mortgage payment includes escrows for taxes and insurance, for the borrowers primary residence. Additionally, per the application and approval, the borrower opened a new HELOC account on his primary residence, the loan file does not include documentation regarding the terms and payment amount of the new HELOC. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Mortgage Statement for Primary and HELOC docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144487 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file does not contain a secondary valuation product. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did not support the origination value within 10%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> DVR supports value. Downgraded to an EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2144488 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional XXXX. Missing the following Business purpose documentation: The Borrower's declaration of Occupancy. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX Disclosure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Credit Report Monitoring disclosure has been provided; please provide the referenced Business Occupancy certificate. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144488 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Mortgage Payment History | XXXX | A mortgage payment history reflects at least one XXXX-day late in the last XXXX months, which exceed allowable program guidelines. The borrower took out a new mortgage with XXXX in XXXX/XXXX however there is nothing in the file to support this loan to include the monthly mortgage payment. Included what was disclosed in DTI without supporting documents. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final CD for loan opened with XXXX XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144488 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file does not contain a UCDP. The loan file also does not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did not support the origination value within 10%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> DVR supports value. Downgraded to an EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2144489 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144489 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144489 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file contains a UCDP with a CU of UNK. The loan file does not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did not support the origination value within 10%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> DVR supports value. Downgraded to an EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2144490 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144490 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144490 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Theloan file does not contains a UCDP. The loan file does not contain aCDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> DVR supports value. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144491 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144491 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144492 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144492 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file does not contain a Verification of Mortgage, to determine whether or not the Mortgage payment includes escrows for taxes and insurance, for the borrowers primary residence. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> VOM<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144492 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The loan file did not contain a Hazard Insurance Policy for the subject. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144492 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file does not contain a secondary valuation product. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> DVR supports value. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>XXXX 3 (XX/XX/XXXX XX:XXPM)<br> DVR uploaded <br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144493 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144493 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Initial CD was dated XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144493 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144494 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Late | XXXX | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a)(1) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2144494 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. Because the loan failed the Initial LE date test and service provider list delivery test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the baseline for shoppable fees was set at $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosures were delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see initial LE with TRID due dates. Thanksgiving and weekend was considered as well <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Business Holiday schedule<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Please see LOX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Friday after XXXX is not considered a federal holiday. This date is included in timing unless the lender provides documentation or attestation letter that the business is closed the Friday after Thanksgiving for all of its substantial business functions. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Holiday schedule provided states that November XXXX, XXXX, is a Holiday; this is considered a Federal Holiday and already excluded in counting business. The Holiday schedule does not say that the day after Thanksgiving is a holiday. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144494 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Truth in XXXX (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see initial LE with TRID due dates. Thanksgiving and weekend was considered as well <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Business is closed Friday after Thanksgiving<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Please see LOX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Friday after XXXX is not considered a federal holiday. This date is included in timing unless the lender provides documentation or attestation letter that the business is closed the Friday after Thanksgiving for all of its substantial business functions. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Holiday schedule provided states that November XXXX, XXXX, is a Holiday; this is considered a Federal Holiday and already excluded in counting business. The Holiday schedule does not say that the day after Thanksgiving is a holiday. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144494 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the baseline no shoppable fees was set at $XXXX. In addition, although there was a valid reason for the increase in Discount Points there was no evidence when the change occurred to determine if the CD issued XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see initial LE with TRID due dates. Thanksgiving and weekend was considered as well <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> business Holiday schedule <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> please see LOX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Friday after XXXX is not considered a federal holiday. This date is included in timing unless the lender provides documentation or attestation letter that the business is closed the Friday after Thanksgiving for all of its substantial business functions. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Holiday schedule provided states that November XXXX, XXXX, is a Holiday; this is considered a Federal Holiday and already excluded in counting business. The Holiday schedule does not say that the day after Thanksgiving is a holiday. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144494 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144495 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144495 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144496 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144496 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. Missing declarations page for HOI and flood insurance; only the invoice was provided at origination. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Declarations page included with RCE<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Flood <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing Flood policy. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144496 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144497 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144497 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144497 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score is NA. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144498 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144498 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144499 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional XXXX. Missing the following Business purpose documentation: The Borrower's declaration of Occupancy. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LQI disclosure confirming Occupancy<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Loan is r/t refinance; business purpose disclosure is not required<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Credit Report Monitoring disclosure has been provided; please provide the referenced Business Occupancy certificate. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. The LQI discloses the Occupancy as Investment. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144499 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing along with riders. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Recorded Security Instrument<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2144499 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE Self-Employed/Missing | XXXX | A VOE is missing from the loan file. The loan file is missing a Verification of Self-Employment for the Borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Verification of Business<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144499 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file did not contain any valuation product to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144500 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144500 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property Income | XXXX | The documentation supporting income from other real estate owned is not adequately supported to meet underwriting guidelines. DU states that the most recent federal income tax returns (pages XXXX, XXXX, Schedule XXXX, and XXXX) must be provided to verify net rental income or loss and that a current lease agreement will only be used if the borrower can document a qualifying exception. The borrower owned the other real estate, XXXX, for more than XXXX year; however, the tax returns were not provided and there is no documentation in file for any exception. In addition, the lease provided expired XX/XX/XXXX, XXXX days after the Note date, XX/XX/XXXX, and a renewal lease was not provided. It should be noted that without this income, the DTI would exceed maximum guidelines at XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Confirmed with XXXX, the lease must be current at closing <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Updated Lease<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The leas was expired when the loan closed. The lease does not contain a month-to-month conversion. New lease is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Lease is expired. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144500 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file did not contain any valuation product to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144501 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144501 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. There was no documentation for the housing payment on the following properties: XXXX did not confirm or document whether escrowed for taxes and insurance, XXXX did not confirm or document whether escrowed for taxes and insurance, and did not document the HOA dues noted of $XXXX. The following properties did not contain any documentation to confirm they were owned free and clear, nor was there any documentation of the complete housing expense: XXXX, XXXX, and XXXX. It should also be noted that the primary residence, XXXX, insurance declaration policy expired on XX/XX/XXXX, prior to closing, and the renewal insurance declaration policy was not provided to determine the updated insurance amount. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> REO docs<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see mortgage statements for both properties and HOI renewal for XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> For XXXX and XXXX, please provide mortgage statements to confirm the Note's are not in the Borrower's name. Also, provide the new HOI bill for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144501 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing the current hazard insurance policy on the subject property with sufficient coverage/replacement cost. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see in the remarks on policy regarding the RCE<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Master Policy<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Coverage provided does not cover the loan amount. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> If there is a master policy for the entire complex, please provide. If not an actual XXXX is required to support. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144501 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE Self-Employed/Missing | XXXX | A VOE is missing from the loan file. The loan file is missing a Verification of Self-Employment for the following Borrower's businesses: XXXX, XXXX, XXXX, XXXX, and XXXX's XXXX, LLC. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144501 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file did not contain any valuation product to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> DVR supports value. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144502 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX, XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PCCD and refund<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2144502 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144502 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score is XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2144503 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144503 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144504 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144504 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | The XXXX's conclusions on the adequacy and the stability of the applicant's income was not supported by documentation in the file. The coborrower receives pension income and per the aus the income needs to be supported with current receipt of retirement, government annuity, or pension income for XXXX with one of the following documents:statement from the organization providing the income,copy of retirement award letter or benefit statement, copy of financial or bank account statement, copy of signed federal income tax return, IRS W-2 form, or IRS XXXX forms. There is no documentation of the $XXXX pension provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144504 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144505 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144505 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | XXXX was completed subject to completion. Required XXXXd was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final Inspection<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144505 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The DU reflected the appraisal was submitted to the UCDP on XX/XX/XXXX and reflect a CU score of XXXX. The actual UCDP/CU document was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UCDP<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144505 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144506 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144506 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144506 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Subject property is a non-UAD property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144507 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional XXXX. Missing the following Business purpose documentation: The Borrower's declaration of Occupancy. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144507 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan application reflects that taxes and insurance are escrowed for the additionally owned properties located at XXXXXXX and XXXXXXX; however, a copy of the mortgage statements to verify this information is not present in the loan file. Without evidence of escrows, the taxes and insurance would increase the DTI over tolerance. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Mortgage statements for both properties reflecting escrows<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144507 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score is XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did not support the origination value within 10%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> DVR supports value. Downgraded to an EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2144508 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144508 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file contains a XXXX stating there are no HOA dues on the subject property however on the preliminary title report schedule B part I #XXXX indicates there is a HOA associated with the property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOA fees verified. $XXXX annual dues<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144508 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> RCE <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Insurance coverage is less than loan amount. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144509 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144509 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. Evidence that the mortgage for the primary residence included escrows was not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Mortgage Statement for primary<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144509 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current flood hazard insurance policy on the subject property with sufficient coverage/replacement cost. The loan file contains an unsigned quote only for flood insurance. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Flood insurance<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144509 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The loan file did not contain evidence of hazard insurance for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144509 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Business Tax Returns | XXXX | Copies of signed federal business income tax returns (including all schedules) were not obtained or were not properly retained in the file. The business tax returns including the XXXX-S and XXXX's for the most recent year (XXXX) are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX Business returns<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144509 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | Missing Lease agreement or not complete per guidelines. Evidence of rental income of $XXXX per month for the rental property located in XXXX is not resent in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Deed<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Provided deed, property is owned free and clear; there is no rental income, the TI are the $XXXX loss <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Document received is not a lease agreement. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144510 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144510 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - W2(s) Missing | XXXX | The AUS required the borrower's income be documented with a paystub and a W-XXXX from the prior year, or using a standard Verification of Employment. The loan file contained a XXXX verification which was employment only and no income was present in the verification and a paystub with a period end date of XX/XX/XXXX; however, no W-XXXX or XXXX verification of income as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX and WVOE<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144510 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score is XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2074127 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: XXXX% of total loan amount (for loans > $XXXX). The following fees were included in the testing: Discount Points $XXXX, Processing Fee $XXXX, and underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). A cost to cure in the amount of $XXXX is required. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074127 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074127 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074127 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074150 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded XXXX% of total loan amount. The following fees were included in the testing: Points-Loan Discount Fee $XXXX, Processing Fee $XXXX, Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). A cost to cure in the amount of $XXXX is required. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074150 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074150 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074150 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074091 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2074091 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The XXXX notes reflect new primary home purchase in process with XXXX XXXX. File contains a preliminary CD for the property at XXXX, XXXX, XXXX with a loan amount of $XXXX and monthly PITI payment of $XXXX which does not match the final XXXX of this transaction with a monthly payment of $XXXX and new loan amount of $XXXX. Final terms and XXXX not provided in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see concurrent loan Final CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2074091 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The current hazard insurance policy on the subject property does not contain evidence of the required perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Homeowners insurance is a HO-XXXX policy which includes coverage for the required perils<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see updated HOI uploaded<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> All perils is not reflected. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2074091 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2074165 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074165 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074165 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086487 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086487 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current flood hazard insurance policy on the subject property with sufficient coverage/replacement cost. The loan file contained an unsigned application for flood insurance however, an actual policy or accord is not present in the file. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> please see XXXX.<br>XXXX (XX/XX/XXXX XX:XXPM)<br> flood insurance<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086487 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No value supporting documentation was present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> An AVM was requested and came back indeterminate. A DVR has been ordered. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153608 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153608 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153608 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153618 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153618 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153618 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153639 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153639 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The purchase agreement provided in the loan file is not legible. Reviewer unable to confirm purchase price or seller contributions. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153639 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153663 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains a Closing Coordination Fee where 'compensation to' does not reflect a XXXX on the revised CD. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153663 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153663 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144479 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144479 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144479 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158460 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)). The lender credits decreased on the post-closing CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer, PCCD, copy of the refund and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2158460 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)). A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Appraisal on the revised CD issued on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer, PCCD, copy of the refund and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2158460 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158460 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154368 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Title - Lenders Title Insurance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2154368 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154368 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154375 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Mortgage Broker Fee and Transfer Taxes. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CIC<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154375 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154375 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file contained a UCDP with no results due to the property type. The loan file did not contain any other valuation product to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158454 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $35 Tolerance Threshold/Rescindable | XXXX | The loan failed the Rescission Finance Charge tolerance test. Per the special foreclosure rule under Regulation Z, for loans subject to the right of rescission the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX, which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX.00 which is more than the allowable tolerance of $XXXX. The following fees were included in the Finance Charge calculation: Administrative Fee $XXXX, Flood Certification $XXXX, MERS Registration $XXXX, Mortgage Broker Fee $XXXX, XXXX Fee $XXXX, Prepaid Interest $XXXX, Recording Service Fee $XXXX, Settlement or Closing Fee $XXXX, and Tax Service Fee $XXXX. A cost to cure in the amount of $XXXX is required. Additionally, rescission needs to be re-opened. Truth in XXXX (Regulation Z) 12 CFR 1026.23(h)(2)(i) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2158454 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Administrative Fee. A cost to cure in the amount of $XXXX was required in which $XXXX was reimbursed at closing. There is a remaining cost to cure in the amount of $XXXX required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. Truth in XXXX (Regulation Z) 12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2158454 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158454 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154374 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Lender's Title Insurance, Closing Protection Letter. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2154374 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is incomplete/missing. The loan file did not contain a Title Commitment or Title Policy as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Title<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154372 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154372 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing verification of HOA dues for the subject property | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOA<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154376 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX, CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> COC<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154376 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154376 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154380 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Administration Fee $XXXX, Mortgage Broker Fee (Indirect) $XXXX, Loan Discount Point $XXXX, and Tax Service Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154380 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154380 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154390 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154390 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154390 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154370 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Broker Compensation $XXXX, Loan Discount Points $XXXX and Tax Service $XXXX. If discount points and fees are bona-fide and excludable, please provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154370 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The subject property is closing concurrently with an additional property located at XXXX, XXXX, XXXX XXXX. The loan file did not contain documentation to verify the PITIA and potential rental income for the aforementioned property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Rental income documentation for XXXX not provided. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154370 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154371 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Broker Compensation $XXXX, Loan Discount Points $XXXX and Tax Service $XXXX. If discount points and fees are bona-fide and excludable, please provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154371 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The subject property is closing concurrently with an additional property located at XXXXouth, XXXX, TN XXXX. The loan file did not contain documentation to verify the PITIA for the aforementioned property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX XXXX CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154371 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154367 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154367 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154367 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2162664 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Abstract/Title Search and Lender's Title Insurance. In addition, the loan file contained a XXXX - Right to Choose Attorney Disclosure which the Borrower elected to have the Lender/Broker select the Attorney to handle title work and the closing of the loan.A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The borrower shopped for all title fees therefore are not subject to tolerance. The XXXX is not affiliated with the Attorney<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162664 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162664 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158403 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were$XXXX, which exceeded: XXXX% of total loan amount (for loans > $XXXX) . The following fees were included in the testing: Administration Fee $XXXX, Broker Fee $XXXX, Points $XXXX, and $XXXX. If discount points and fees are bona-fide and excludable, provide an undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158403 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Title Examination. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX% response<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Response provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> There is a signed Attorney Preference disclosure in the loan file. If the borrower selects "we have no preference" that means the Lender is choosing the title Company aka Creditors List (XXXX%). This will be even if the the company on the CD is not listed on the SPL. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The information provided is not sufficient to clear the finding. Under TRID (Regulation Z, 1026.19(e)(3)(ii), when an Attorney XXXX is provided along with a Settlement Service Provider List (SSPL), and the borrower selects we have no preference, the related attorney and title fees become subject to the XXXX% cumulative tolerance. Choosing no preference is treated the same as picking a provider from the list because the lender is effectively making the choice from the list on the borrowers' behalf. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the exception. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158403 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158403 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154397 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154397 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other/Missing | XXXX | The XXXX Form XXXX or equivalent is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Income Worksheet<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154397 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Fannie Mae analysis was not performed for the non-UAD form type. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163806 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163806 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163806 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score is XXXX. The loan file did not contain any other valuation product to support the appraised value. AVM provided supports the origination value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162692 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, XXXX which exceeded: XXXX% of total loan amount (for loans > $XXXX). The following fees were included in the testing: Administration Fee $XXXX, XXXX, Mortgage Broker Fee (indirect) $XXXX, XXXX, Points - Loan Discount Fee $XXXX, XXXX, ad Tax Service Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2162692 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX Does not reflect the correct Disbursement Date. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2162692 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2162692 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158405 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158405 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The Title Commitment/Policy could not be located within the loan file and the AUS dated XX/XX/XXXX a Title Commitment/Policy is required to verify the subject property will be clear of liens/judgments. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Title<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158405 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU score of XXXX dated XX/XX/XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158423 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)) The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: XXXX $XXXX, Broker Indirect $XXXX, Points $XXXX, Tax Service $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158423 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX. In addition, the loan file contained an invoice the reflected the increase was paid on XX/XX/XXXX, therefore the disclosure dated XX/XX/XXXX was not disclosed within XXXX days of the increase. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> COC<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> COC & LE<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Although a COC was provided the fee was not disclosed until XXXX/XXXX, more than XXXX business days from the change. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The appraisal invoice dated XX/XX/XXXX discloses the borrower paid thefee outside of closing on XX/XX/XXXX. If the borrower paid the feeincrease on XX/XX/XXXX, this indicates the lender was aware ofthese fee increases at that time. A cost to cure in the amount of $XXXX isrequired. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2158423 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158423 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain a CU score at XXXX or under to support the origination appraised value. CU dated XX/XX/XXXX, Score XXXX. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM supports.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM supports (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2157842 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: XXXX% of total loan amount (for loans > $XXXX). The following fees were included in the testing: Administration Fee $XXXX, Mortgage Broker Fee $XXXX, Points, $XXXX, and Tax Service Fee. If discount points and fees are bona-fide and excludable, provide an undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Loan Designation is ATR Exempt<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The new data tape provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157842 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan application reflects additional expenses for the borrowers primary residence that are higher than the escrows reflected on the mortgage statement. In addition, the address reflected on the property appraisers real estate tax statement shows a Unit number. The loan file does not contain evidence if the primary residence has HOA fees associated with it to determine the correct qualifying DTI as required. \*\*\*Additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Revised <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> HOA <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Primary HOA fees still not documented. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157842 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162600 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The left side of Page XXXX is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Note<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162600 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162600 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154377 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154377 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154377 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162601 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162601 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162601 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158410 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158410 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The Appraisal dated XX/XX/XXXX was made "subject to" the installation of XXXX detectors on each level and outside of sleeping areas. The loan file is missing photos and/or a XXXX Update/Completion Report to support the installation(s) were completed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXXD in file showing completion of XXXX detectors<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158410 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162801 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Closing Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(ii) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2162801 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2162801 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163788 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Property Address Discrepancy | XXXX | The property address on the Security Instrument is inaccurate. The county disclosed on page XXXX is XXXX; however, the property is located in XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Recorded DOT<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163788 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163788 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162776 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Administration fee $XXXX, XXXX fee $XXXX, Points $XXXX and Tax Service fees $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The undiscounted rate provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162776 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162776 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158067 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158067 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The subject is an investment property. The final XXXX reflected borrower rents at the primary residence with a monthly rent of $XXXX. The DU was run without any primary housing expense included. A lease agreement for the primary residence was provided with XXXX tenants names and a total rent of $XXXX. It could not be determined from the lease whether all XXXX tenants were jointly responsible for the total rents or whether each tenant is responsible for a percentage of the rents. Documentation to support borrower's portion of the rent is required. Additionally, DU will need to be rerun with the appropriate monthly primary expenses for the borrower and receive an approve/eligible for the increased DTI. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Revised docs including full rent amount<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158067 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158539 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Administration Fee $XXXX, Mortgage Broker Fee (Indirect) $XXXX, Points - Loan Discount Fee $XXXX, Tax Service Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Undiscounted Rate provided allows for the exclusion of bona fide discount points. Upon recalculation, the loan is compliant and passes the Points and Fees test. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158539 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument is incomplete: The XXXX section of the Security Instrument is missing the Borrower names and does not indicate whether the borrower was notarized by means of physical presence or online notarization at the time of closing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The Security Instrument does not have a check box for this option. The XXXX listed the borrower name that was ackowledged before them on XX/XX/XXXX therefore no corrections are required <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158539 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158539 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162577 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162577 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162577 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162623 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX% . The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162623 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162623 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162921 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> coc<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162921 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162921 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162706 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162706 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VVOE Salaried/Missing | XXXX | A VVOE is missing from the loan file. The loan file is missing a VVOE for the borrower as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> VOE not required. Wage income is $XXXX. The rest is "other" and is considered retired. Ownership less than XXXX% per XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Borrower is minor XXXX with XXXX and not retired. VVOE in file is satisfactory for self-employment. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158408 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> coc<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158408 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158408 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162602 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were XXXX, which exceeded: XXXX% of total loan amount (for loans > $XXXX). The following fees were included in the testing: Broker Compensation $XXXX, Discount Points $XXXX, and Tax Service Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM response<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162602 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162602 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162602 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158574 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - LE/Revised LE Delivery Date (prior to consummation) | XXXX | The loan failed the Revised Loan Estimate delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LE tracking<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158574 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> coc<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158574 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158574 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162786 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162786 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157578 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Administration Fee, Mortgage Broker Fee (Indirect), Points, Tax Service Fee. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157578 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157578 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162870 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: XXXX% of total loan amount (for loans > $XXXX). The following fees were included in the testing: Broker Compensation, Discount Points, and Tax Service Fee. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The undiscounted rate provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162870 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162870 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162805 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162805 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162914 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162914 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162928 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162928 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162928 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. The loan file also contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158577 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: XXXX% of total loan amount (for loans > $XXXX). The following fees were included in the testing: Broker Compensation $XXXX, Discount Points $XXXX, and Tax Service Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Undiscounted Rate provided allows for the exclusion of bona fide discount points. Upon recalculation, the loan is compliant and passes the QM Points and Fees test. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158577 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Survey Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2158577 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158577 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163789 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163789 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Per XXXX Statute S.B. 4D for all XXXX condo projects XXXX stories or more, XXXX years or older or XXXX years and older if within XXXX miles of coast a Structural Inspection is required. Structural inspection missing from file. ?? | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors. XXXX% DTI, XXXX qualifying credit score, $XXXX verified reserves, $XXXX residual income, primary residence owned XXXX years, job stability XXXX years<br>**  | XXXX. XXXX% LTV. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2163789 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158545 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158545 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163801 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163801 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. The Closing Disclosure reflected the funds to close were $XXXX with a credit for the EMD of $XXXX, along with the XXXX months XXXX reserves of $XXXX totaled $XXXX in required funds to be verified. The subject loan file contained asset documentation verifying a total of $XXXX in assets; therefore the borrower was short the required verified assets of $XXXX. \*\*\*additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> It appears borrowers have sufficient funds. - Required funds: EMD $XXXX + cash from borrower $XXXX = subtotal $XXXX + reserves $XXXX = total $XXXX - Verified funds: EMD $XXXX + cash $XXXX = $XXXX - Truist #XXXX $XXXX - Edward Jones $XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163801 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU Score XXXX. The loan file did not contain a CDA. AVM provided supports the origination value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158491 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. This loan has points and fees that exceed the points and fees threshold. (XXXXCFR XXXX(e)(XXXX)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Administration Fee $XXXX, Mortgage Broker Fee $XXXX, Points - Loan Discount Fee $XXXX, Tax Service Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Undiscounted Rate provided allows for the exclusion of bona fide discount points. Upon recalculation, the loan is compliant and passes the Points and Fees test. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158491 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Mortgage Payment History | XXXX | A mortgage payment history reflects at least one XXXX-day late in the last XXXX months, which exceed allowable program guidelines. Primary residence has a mortgage with XXXX however no supporting documents in the file to support monthly payment and to confirm that taxes and insurance are escrowed. Provide supporting documents to confirm monthly payment of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158491 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162594 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162594 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154384 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154384 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The Lender qualified the Borrower based on RE taxes for their primary residence of $XXXX as indicated by the Loan application and the HOI provided (TIA of $XXXX- HOI $XXXX=$XXXX); however, there was no documentation provided in the loan file to validate the tax amount. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> RQ in file with tax amount<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158402 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: XXXX% of total loan amount. The following fees were included in the testing: Administration Fee $XXXX, Points $XXXX and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158402 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158402 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163791 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The name of the Condominium Project on the referenced XXXX does not match the legal, appraisal and deed. |  |  |  |  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2163791 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B - Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Tax Related service Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 3 |
| XXXX | 2163791 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163791 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163780 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Recording Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2163780 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | The loan file is missing the required 1004D. The appraisal obtained in the loan file is dated XX/XX/XXXX; however, the note is dated XX/XX/XXXX, which is more than XXXX months. The loan file does not contain an updated appraisal or XXXXD to verify the appraised value. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, XXXX% DTI, $XXXX reserves, job stability XXXX years<br>**  | XXXX. XXXX% LTV. XXXX% DTI. |  | 3 | 2 | 3 | 2 |
| XXXX | 2163780 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163810 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163810 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163810 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU Score XXXX. The loan file did not contain a CDA. AVM provided supports the origination value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163779 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163779 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Cash-Out, Delayed Financing | XXXX | The borrower is ineligible for a cash-out transaction as the property was purchased within the prior XXXX months and the loan file does not contain documentation to meet the delayed financing exception in the Guidelines. The XXXX reflects the property was purchased XX/XX/XXXX, and the subject loan note date is XX/XX/XXXX. Therefore, the subject loan is an ineligible transaction. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163779 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162858 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162858 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162858 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158498 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with Title. The Security Instrument reflects the Vested Interest as an Individual whereas Title reflects the current Vested Interest as an Entity. Although the loan file contained a transfer deed for the change in Vested Interest it was not executed by all required parties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Deed<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158498 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Excluded Debts | XXXX | There was no explanation or support for the omission of one or more debts from the initial application. Mortgage debt associated with XXXX and XXXX is excluded stating that the borrower is refinancing with XXXX. There are no supporting documents in the file to reflect that the mortgages have been paid off and what the new payment with XXXX is and if the payments are escrowed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX & XXXX XXXX CDs, FPLs, & proof of no HOA<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158498 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score was non-UAD . The loan file did not contain any other valuation product to support the appraised value. ? | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163796 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163796 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The borrower owns the primary residence located at XXXXXX. The final XXXX reflected a first and second mortgage and total expenses of $XXXX. The first mortgage statement was provided and reflected expenses were not escrowed. The HOI insurance with a premium was provided with a monthly payment of $XXXX. The property taxes and any other applicable expenses were not documented as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Taxes and HOA is $XXXX a month<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2163796 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE/Missing | XXXX | The borrower's income is sourced as clergy housing allowance. XXXX paystubs and XXXX for XXXX and XXXX were provided from XXXX to support the income. The file did not contain a verification of employment to support the borrower's employment and continuance of the clergy housing allowance. The coborrower is employed XXXX. The file did not contain the required VVOE dated within XXXX days prior to the XXXX date was not provided. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed. Borrower is still actively listed on XXXX website as XXXX. Noted Compensating factors: XXXX qualifying credit score, XXXX% DTI, 0x30x66 mortgage history, primary residence owned XXXX years<br>**  | XXXX. XXXX% LTV. XXXX% DTI. |  | 3 | 2 | 3 | 2 |
| XXXX | 2163796 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2162636 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162636 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The subject loan is a purchase of a second home. The loan application reflects the borrowers have a mortgage on their primary residence; however, the loan file did not contain documentation verifying the PITIA for the primary residence to determine DTI qualifying eligibility as required. \*\*\*Additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX is XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162636 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Pay Stubs Missing | XXXX | The required pay stubs or written verification of employment were not obtained from the co-borrower to document the co-borrower's income per the AUS/DU guidelines. \*\*\*Additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> both borrowers paystubs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162636 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - W2(s) Missing | XXXX | XXXX W2 is missing from the loan file for the primary employer of the borrower or a written verification of employment to document the borrower's income per AUS/DU guidelines. \*\*\*Additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Both borrowers W2s<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162636 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - W2(s) Missing | XXXX | XXXX W2 is missing from the loan file for the primary employer of the co-borrower or a written verification of employment to document the co-borrower's income per AUS/DU guidelines. \*\*\*Additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> both borrowers W2s<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162636 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157511 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Administration Fee $XXXX, Points $XXXX, Processing fee $XXXX and Underwriting fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Undiscounted Rate provided allows for the exclusion of bona fide discount points. Upon recalculation, the loan is compliant and passes the Points and Fees test. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157511 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163794 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163794 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | XXXX deductible over the allowed XXXX% of coverage amount.Dwelling coverage is $XXXX and deductible is $XXXX (XXXX%). | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> What guideline states XXXX% is the maximum? This seems invalid <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> This is a global Investpr insurance overlay. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Insurance is acceptable to Agency standards. Noted Compensating factors: XXXX qualifying credit score, $XXXX verified reserves<br>**  | XXXX. XXXX% LTV. Ovr $XXXX million in reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2163794 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158502 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158502 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158502 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158496 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158496 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158496 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158415 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158415 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158415 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No secondary product provided at origination. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM supports. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158506 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158506 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158404 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The name of the XXXX on the referenced PUD rider does not match the appraisal or legal description. |  | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX<br>**  |  |  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2158404 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2158404 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2157650 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157650 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | AUS - Discrepancy/Conforming Loan | XXXX | The loan was approved through XXXX. The AUS provided reflected a loan amount approved of $XXXX and actual loan amount was $XXXX0. This increased the qualifying PITIA from $XXXX to $XXXX. Additionally the AUS required debts to be paid off, one of which was an XXXX that had a balance of $XXXX which was paid at closing. The file contained an updated XXXX statement with a higher balance of $XXXX. Using the remaining balance after applying the amount paid resulted in a remaining estimated payment of $XXXX to be included in the total liabilities. The combination of the increased PITIA based on the higher loan amount and the additional Amex liability increased the DTI to XXXX%. The XXXX needs to be rerun with updated loan amount and liabilities to determine if loan remains as an Accept/Eligible. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see adjusted LPA<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157650 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154369 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154369 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2139313 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2139313 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | A total of XXXX months reserves or $XXXX is required to be verified. The loan file contains a bank statement verifying a total of $XXXX which leaves a reserve shortage of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2139313 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158553 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional XXXX. Missing the following Business purpose documentation: Cash Out Letter of Explanation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> A no-cash-out (or "limited cash-out") refinance limits cash back to the greater of $XXXX or XXXX% of the new loan amount. This limit applies to conventional loans, while FHA loans often restrict cash back to a maximum of $XXXX. These limits allow for covering minor closing costs without classifying the loan as a full cash-out Borrower received less than XXXX% of the loan amount therefore a business purpose is not required<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158553 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | AUS - Invalid | XXXX | The AUS provided in the loan file indicates the subject as a no cash out refinance. The loan closed as a cash out refinance due to cash back exceeding limit for a no cash out refinance. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The borrower received $XXXX. Per FHLMC XXXX the borrower can receive up to the greater of XXXX% of the new refinance Mortgage or $XXXX. In this case, XXXX% is $XXXX so the loan is no cash out.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158553 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The lender included taxes and insurance for the borrower's primary residence even though the borrower is not on the note. The borrower is on title and the property is located in a community property state. No documentation was provided to confirm the borrower's insurance on the primary residence located on XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158553 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163793 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163793 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The final XXXX indicates a $XXXX HOA on the subject property. The loan file is missing documentation supporting the payment amount. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163793 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file is missing documentation for the hazard insurance premium for XXXX or HOA if applicable. Unable to verify PITIA for the borrowers primary residence. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> XXXX Solarino<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163793 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The loan file is missing documentation supporting an active hazard insurance policy on the subject property including coverage amount. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Coverage exceeds the loan amount<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> EOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX provided does not cover the subject property address. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163793 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Tax Return Documentation Incomplete | XXXX | Borrower XXXX is qualifying on self-employment income. The AUS provided indicates XXXX years tax returns is sufficient to calculate income and states" If the self-employment income from any business listed below is being used for qualifying purposes, the income may be supported bus business tax returns covering the most recent period as specified in the table below." The loan application was taken XX/XX/XXXX with a disbursement date of XX/XX/XXXX making the "most recent tax year" in the loan file should have been XXXX not XXXX as provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162854 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162854 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163795 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163795 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | he borrower owns the primary residence located at XXXX. The final XXXX reflected a first mortgage and total expenses of $XXXX. The amount and source of the additional expenses was not documented as required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Colwood expenses<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted Compensating factors XXXX qualifying credit score, XXXX% LTV, $XXXX residual income<br>**  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2085541 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2085541 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VVOE Salaried/Missing | XXXX | A VVOE is missing from the loan file. The loan file is missing a VVOE for the: borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> VOE<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The form received is mostly blank with a small amount of corrupt data present. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Verification of Employment and XXXX's received. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2085541 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file contains a CU Score of XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided and supported original appraised value within a 10% variance. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158399 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold: The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, XXXX, which exceeds XXXX percent of the total loan amount of $XXXX The following fees were included in the testing: Points - Loan discount fee $XXXX, XXXX, Processing fee $XXXX and Underwriting fee $XXXX, XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Base price/rate<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158399 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158399 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158399 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158400 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Per Regulation Z, the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX, which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The variance is due to the duration of monthly XXXX. At a CLTV/LTV of XXXX%, XXXX would not cancel until after XXXX months. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Not Valid - XXXX completed and passed<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Not Valid - The Homeowners Protection Act of XXXX (HPA), which dictates the rules for PMI cancellation and disclosure, explicitly exempts second-home loans and vacation properties. This means that the HPA&#XXXX;s specific rules for automatic termination and mandatory disclosure do not apply. HPA specifically applies to primary residence.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> See attached confirming cancellation at XXXX%<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Adding amortization schedule as additional documentation. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Taking the lower of the appraised value and sales price the loan has a starting LTV/CLTV of XXXX%. XXXX does not cancel until the loan reaches XXXX%. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> While HPA rules do not apply to second homes, additional documentation is needed to confirm lender specific guidelines. Since termination and mandatory disclosure requirements are not applicable, we must verify the lender's policy for XXXX cancellation. This allows us to compare it with the disclosed term and ensure the borrower received accurate TILA and TOP figures on the final CD. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The lender's XXXX cancelation at XXXX% confirms the original citation. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months with a starting LTV of XXXX% canceling at XXXX%. A cost to cure in the amount of $XXXX remains. Please note cures are only available within XXXX days of discovery of which the time has passed. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The amortization schedule provided is only showing XXXX months and does not include the entire term of the loan for review. The top of the amortization shows in which month the XXXX would cancel if it was canceled at XXXX% and in what month at XXXX%. It is not indicating when XXXX cancels. The Data Proof Sheet states XXXX is only for XXXX months but conflicts information by stating XXXX cancels at XXXX% which is not until month XXXX. Additionally, the Data Proof Sheet is not an official document for verification of XXXX terms. The XXXX Certificate/Commitment in the loan file states XXXX rates from years XXXX-XXXX as well as renewal rates from XXXX years+. With the official XXXX in the file and a cancel point at XXXX% the citation and cost to cure remains. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2158400 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Total of Payments (TOP) Non-Rescindable | XXXX | Non-Rescindable. The loan failed the TRID Total of Payments tolerance test. Per Regulation Z, the Total of Payments is considered inaccurate if the disclosed Total of Payments is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Total of Payments of $XXXX, which is less than the system calculated Total of Payments of $XXXX. The Total of Payments on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The variance is due to the duration of monthly XXXX. At a CLTV/LTV of XXXX%, XXXX would not cancel until after XXXX months. A cost to cure in the amount of $XXXX is required. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Not Valid - XXXX completed and passed<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Not Valid - The Homeowners Protection Act of XXXX (HPA), which dictates the rules for PMI cancellation and disclosure, explicitly exempts second-home loans and vacation properties. This means that the HPA&#XXXX;s specific rules for automatic termination and mandatory disclosure do not apply. HPA specifically applies to primary residence.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> See attached confirming cancellation at XXXX%<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Taking the lower of the appraised value and sales price the loan has a starting LTV/CLTV of XXXX%. XXXX does not cancel until the loan reaches XXXX%. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> While HPA rules do not apply to second homes, additional documentation is needed to confirm lender specific guidelines. Since termination and mandatory disclosure requirements are not applicable, we must verify the lender's policy for XXXX cancellation. This allows us to compare it with the disclosed term and ensure the borrower received accurate TILA and TOP figures on the final CD. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The lender's XXXX cancelation at XXXX% confirms the original citation. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months with a starting LTV of XXXX% canceling at XXXX%. A cost to cure in the amount of $XXXX remains. Please note cures are only available within XXXX days of discovery of which the time has passed. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2158400 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2158400 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2154366 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154366 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154366 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154360 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> disclosure tracking for Initial CD. Investment property<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is notsufficient to cure the finding. The disclosure tracker has been providedreflecting a CD was issued on XX/XX/XXXX. The actual document, CD XX/XX/XXXX, needs to be provided to verify it was complete. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154360 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154360 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141764 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Per Regulation Z, the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX, which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The following fees were included in the Finance Charge calculation: Condo Questionnaire $XXXX, Title - E-Filing Fee $XXXX, Flood Certification $XXXX, LOS Fee $XXXX, MERS Registration Fee $XXXX, Prepaid Interest $XXXX, Processing Fee $XXXX, Title - Settlement $XXXX, Title - Email and XXXX Fee $XXXX, and Underwriting Fee $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX pass<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Invalid<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> XXXX and amort schedule<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Taking the lower of the appraised value and sales price the loan has a starting LTV/CLTV of XXXX%. XXXX does not cancel until the loan reaches XXXX%. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The XXXX report has been provided; please provide the XXXX Cert and amortization schedule for review. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> XXXX does not cancel until the loan reaches XXXX%. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months. Please note the XXXX days from discovery cure window has expired. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2141764 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Total of Payments (TOP) Non-Rescindable | XXXX | Non-Rescindable. The loan failed the TRID Total of Payments tolerance test. Per Regulation Z, the Total of Payments is considered inaccurate if the disclosed Total of Payments is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Total of Payments of $XXXX, which is less than the system calculated Total of Payments of $XXXX. The Total of Payments on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. A cost to cure in the amount of $XXXX is required. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX pass<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Invalid<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> XXXX and amort schedule<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Taking the lower of the appraised value and sales price the loan has a starting LTV/CLTV of XXXX%. XXXX does not cancel until the loan reaches XXXX%. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The XXXX report has been provided; please provide the XXXX Cert and amortization schedule for review. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> XXXX does not cancel until the loan reaches XXXX%. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months. Please note the XXXX days from discovery cure window has expired. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2141764 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file does not contain documentation to support the cost of XXXX for the borrower's primary residence located at XXXX., XXXX XXXX XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2141764 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2141772 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141772 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | The co-borrower is self-employed. Income was filed with XXXX-S in XXXX and XXXX in XXXX. The business has been in operation less than XXXX years. Per DU, XXXX years of business and personal tax returns are required. The file is missing XXXX personal tax returns with all addendums and XXXX W-XXXX (if applicable). Therefore, unable to accurately calculate self-employment income. The lower income results in a DTI of XXXX%. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX Tax Returns<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> I asked the underwriting team to take a look and here is their response: There is no XXXX. XXXXX collision is a XXXX. XXXX do not have XXXX. Only XXXXS and XXXX&#XXXX;s have XXXX. Only XXXXS and XXXX&#XXXX;s have XXXX. Per ICW comments the biz structure changed XXXX XXXX ownership appears to be XXXX% for the XXXX&#XXXX;s. B1 owned XXXX% of the biz in XXXX and was NOT self employed. Inc calc incorrectly by UW, ICWv8 B1 was XXXX% owner of the biz ion XXXX and converted it to an XXXX. He will be qualified on the XXXX self employment income as it meets FNMA policy requirements with compensating factors. ICWv13, AUS and COPE have been updated. Been associated with the business since XXXX, 443k in reserves at XXXX% LTV. <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> "There is no XXXX. XXXX collision is a XXXX. XXXX do not have XXXX. Only XXXXS and XXXX&#XXXX;s have XXXX. Only XXXXS and XXXX&#XXXX;s have XXXX. Per ICW comments the biz structure changed XXXX XXXX ownership appears to be XXXX% for the XXXX&#XXXX;s. B1 owned XXXX% of the biz in XXXX and was NOT self employed. Inc calc incorrectly by UW, ICWv8 B1 was XXXX% owner of the biz ion XXXX and converted it to an XXXX. He will be qualified on the XXXX self employment income as it meets FNMA policy requirements with compensating factors. ICWv13, AUS and COPE have been updated. Been associated with the business since XXXX, XXXX in reserves at XXXX% LTV. "<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Income calculation at origination was based upon co-borrower's XXXX% ownership of corporation in XXXX. co-borrower only owned XXXX% of that corporation. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The rule being quoted is for borrowers who have only been employed for XXXX months and had similar wage income prior to the XXXX month period. We have XXXX years of self-employment. Both XXXX and XXXX must be used due to less than XXXX years self-employed. Ownership percentage and XXXX to XXXXS changed from XXXX to XXXX, but that is still the most recent XXXX months of self-employed income. It cannot be said that the borrower was not self-employed until XXXX, therefor, the XXXX month rule does not apply. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> We are unable to clear. Please obtain an Investor exception to qualify using XXXX year. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client approves using XXXX year of income to qualify. Noted compensating factors: XXXX qualifying credit score, $XXXX verified reserves, BWR XXXX job stability of XXXX years<br>**  | XXXX. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2141772 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141773 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141773 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | The co-borrower is self-employed. Income was filed with XXXX-S in XXXX and XXXX in XXXX. The business has been in operation less than XXXX years. Per DU, XXXX years of business and personal tax returns are required. The file is missing XXXX personal tax returns with all addendums and XXXX W-XXXX (if applicable). Therefore, unable to accurately calculate self-employment income. The lower income results in a DTI of XXXX%. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX tax returns<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> You have another loan for this same borrower, the loan number is XXXX. You cleared this same finding on that loan, can you use the documentation from that loan to clear this one? Thanks!<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Income calculation at origination was based upon co-borrower's XXXX% ownership of corporation in XXXX. co-borrower only owned XXXX% of that corporation. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and approves qualifying on XXXX years of income documents. Noted Compensating factors: XXXX qualifying credit score, XXXX% LTV, $XXXX reserves, BWR1 XXXX years job stability<br>**  | XXXX. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2141773 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141750 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Trust Missing | XXXX | Title to the Property is held in Trust, but the Trust Document is missing. Unable to determine if signatures on Note are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> trust<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141750 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. Page XXXX reflects the property is located in XXXX; however, per Title the property is located in XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> DOT correction<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141750 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Trust Missing | XXXX | Title to the Property is held in a Trust, but the Trust Document is missing. Unable to determine if signatures on the Security Instrument are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Trust<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141750 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154381 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154381 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154381 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157631 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2157631 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | Loan file did not contain required condo documentation. Per XXXX Statute S.B. 4D for all XXXX condo projects XXXX stories or more, XXXX years or older or XXXX years and older if within XXXX miles of coast a Structural Inspection is required. Structural inspection/Milestone Report is missing from file. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No structural issues <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Condo docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Insurance provided is not a structural inspection report. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Inspection is not structural in nature. All items and data addresses are prefaced by No Site Inspection. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Unable to waive requirements of the XXXX statute. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> In person structural inspection and report is required to satisfy the XXXX statute. (XXXX)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, $XXXX residual income, 0x30x99 mortgage history, primary residence owned XXXX years<br>**  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2157631 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The LCA Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2141753 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: XXXX% of total loan amount (for loans > $XXXX). The following fees were included in the testing: Loan origination $XXXX, Points $XXXX, Processing fee $XXXX and Underwriting fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Not Valid - loan is investment property. Total points and fees is XXXX% which is under the XXXX% threshold<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> According to the Fannie Mae Selling Guide, for loans that are Attribute-of-the-Borrower (ATR) Exempt (typically HFA loans or specific non-owner-occupied transactions not subject to TILA), the total points and fees must not exceed XXXX% of the total loan amount. Fannie Mae +XXXX Key details regarding ATR-exempt fee limits and related guidelines: XXXX% Limit Definition: The total points and fees calculation must follow Regulation Z (12 CFR § XXXX). Adjustments: This determination may account for permitted reductions of total points and fees (12 CFR § 1026.31(h)) or, for loans not subject to TILA, restitution to the borrower for fees exceeding XXXX% at closing. Per Reg Z 1026.39a)(1) loan is not primary, investment property is subject to XXXX%<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Compliance Ease<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> QM response<br>Rebuttal 5 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investment loans still fall under qualified mortgages. The loan was not designated by the lender as business purpose exempt, therefore treated as a TRID loan. Under QM if the loan amount is greater than $XXXX, the QM points threshold is XXXX%. If discount points are bona fide, please provided the undiscounted par rate. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> There seems to be confusion with the finding itself. We are speaking about QM points and fees which are limited to XXXX% for all property types. It appears you are speaking about the HOEPA points and fees threshold ,which we agree is XXXX%. The data tape provided indicated that this loan was originated as a QM rebuttable presumption loan and not an exempt loan. Since it was originated as QM rebuttable presumption we tested QM points and fees thresholds, in this case it has failed the QM XXXX% threshold. If this loan was originated as an exempt transaction, please provide an updated data tape indicating the loan is was originated as exempt. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The XXXX report provided shows that the user did not test QM as the boxes QM were not checked. Investments are still subject to QM and therefore QM testing applies. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> We understand that the XXXX of an Investment Property can be either QM or Exempt. Our Compliance testing is based on the Lender Designated QM status which is provided on the data tape. In this case, the designation was QM Safe Harbor and that is how we reviewed the loan. Please provide an updated data tape for this loan that reflects the QM status as Exempt. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXAM)<br> Lender affirms that loan was originated as a Business Purpose Exempt loan. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141753 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141753 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154379 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154379 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154379 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158054 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158054 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file is missing the following documentation for the borrowers other retained properties. Investment property located at XXXX: missing documentation that reflects necessary HOA dues and documentation on real estate taxes. Investment property located at XXXX: missing Mortgage Statement and information on whether not HOI and Taxes are escrowed or not. Investment property located at XXXX: missing Mortgage Statement and information on whether not HOI and Taxes are escrowed or not. Investment property located at XXXX: missing Mortgage Statement and information on whether not HOI and Taxes are escrowed or not. Investment property located at XXXX: missing Mortgage Statement and information on whether not HOI and Taxes are escrowed or not. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158054 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154373 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154373 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists debts that were not verified on the credit report and not independently verified. The final loan application noted $XXXX HOA dues for the borrower's primary residence; however, the HOA dues were not documented in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOA<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154373 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158461 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158461 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158461 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141893 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The Name of the Trust on the Note does not match the name of the Trust on the Trust documents. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The Recorded SI reflects a recorded correction. Our custodian team has reviewed and deemed it satisfactory.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The information provided is not sufficient to clear the finding. The corrected Mortgage does not address the defect on the Note' they are separate documents. The Note does not disclose the correct trust name on pg. XXXX. Please provide a corrected Note for review. (XXXX)?<br>**  |  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2141893 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The edit made on the corrected notary page, dated XX/XX/XXXX, was not initialed by the notary. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The Recorded SI reflects a recorded correction. Our custodian team has reviewed and deemed it satisfactory. No further corrections are quired for the Note or SI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2141893 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2141893 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2158401 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM-Rebuttable Presumption. Truth in XXXX (Regulation Z) 12 CFR 1026.43(e)(1)(ii) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158401 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  |  |  | 1 | 3 | 2 |
| XXXX | 2158401 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU Score XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> DVR value was XXXX% less than the appraised value. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Additional secondary valuation product supports the appraised value. Downgraded to EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> Field review<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2158406 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158406 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158570 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158570 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158570 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158474 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158474 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158474 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163807 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163807 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The subject loan was approved with a XXXX% DTI which consisted of the exclusion of the following debts: XXXX with a balance of $XXXX and a monthly payment of $XXXX, XXXX with a balance of $XXXX and a monthly payment of $XXXX, XXXX with a balance of $XXXX and a monthly payment of $XXXX and XXXX with a balance of $XXXX and a monthly payment of $XXXX.The loan file did not contain any current statements or supplemental credit reports to justify the exclusion of these debts. With these debts included in the debt calculation, the DTI would be XXXX%. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted Compensating Factors: XXXX qualifying credit score, job stability of XXXX years, primary residence owned XXXX years, 0x30x99 mortgage history<br>**  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2163807 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score is XXXX. CDA provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> CDA provided and supports the appraised value within 10%. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2163808 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163808 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163808 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU Scores were not available. The loan file did not contain a CDA. AVM provided supports the origination value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163811 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163811 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Missing Debts/ DTI Exceeds Tolerance | XXXX | The DTI did not reflect all of the borrower's debts resulting in a DTI that exceeds allowable tolerances. The XXXX disclosed Alimony of $XXXX per month on the loan application. The loan file contained a Marital separation agreement supporting alimony of $XXXX per month. The alimony payment was not included in the Borrower's total debt obligations resulting in an increase in the DTI from XXXX% to XXXX%. Documentation is required to support the exclusion of the debt. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> I asked underwriter to review this finding and here is their response: Alimony must be documented as a reduction to the borrower&#XXXX;s gross income per the policy below. The UW reduced the overall income by that amount as her comments in the tool&#XXXX;s comment section indicate (see below). Per XXXX Section XXXX: Monthly debt payment-to-income (DTI) ratio<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163811 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX and the LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157624 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> $XXXX in loan points are bona fide for exclusion<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157624 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Revised CD Delivery Date (No Waiting Period) | XXXX | This loan failed the revised Closing Disclosure delivery date test (no waiting period required) due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. Truth in XXXX (Regulation Z) 12 CFR 1026.19(f)(2)(i) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The XX/XX/XXXX CD was signed at closing and the XX/XX/XXXX CD was signed on XXXX/XXXX. Timing requirements have been met.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157624 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX increased on revised LE XX/XX/XXXX. In addition, the loan failed the charges that cannot increase test because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Points increased on Initial CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX/XXXX COC & LE XXXX/XXXX COC - disclosed on XXXX/XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> COC, LE&#XXXX;s<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> A coc dated XX/XX/XXXX provided for the loan program change and the increase in loan points from $XXXX to $XXXX was provided with the XXXX/XXXX redisclosed LE All COCs have been provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX increased cleared. The points increased on XX/XX/XXXX and a COC for this increase was not provided. The disclosure prior to this CD was issued XX/XX/XXXX. If there are any disclosures issued in between these dates that are missing, please provide. Otherwise, a valid COC within XXXX business days of XX/XX/XXXX increase is required. Cost to cure updated to $XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The LE's do not address the issue. The points increased on the CD XX/XX/XXXX and a COC for this increase was not provided. The disclosure prior to this CD was issued XX/XX/XXXX. If there are any disclosures issued in between these dates that are missing, please provide. Otherwise, a valid COC within XXXX business days of XX/XX/XXXX increase is required. Cost to cure updated to $XXXX. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157624 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157624 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU scores were not available. The loan file did not contain a CDA. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM Supports (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162592 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162592 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162592 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162593 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Initial CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162593 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Underwriting fee, Verification fee and XXXX. A cost to cure in the amount of $XXXX is required of which $XXXX was cured at closing. There is a remaining cost to cure in the amount of $XXXX required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Initial CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162593 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162593 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162859 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Tax Service. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2162859 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2162859 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163802 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: XXXX Fee $XXXX, Origination Fee $XXXX, Points $XXXX, Processing Fee $XXXX, and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exempt loan.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Based on theLender information provided, the loan was originated as a Business Purpose loanExempt from QM testing. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163802 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163802 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163813 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163813 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163813 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score is XXXX. The loan file did not contain any other valuation product to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2154385 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154385 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154385 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The LCA indicated no results and the CU score is XXXX. The loan file did not contain any other valuation product to support the appraised value. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM supports. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154386 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154386 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154386 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162603 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162603 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162603 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154383 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154383 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154383 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154378 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on is inaccurate due to the following: The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The No Escrow Table is inaccurate. There is no box checked as to if XXXX's were declined or your lender does not offer one. Truth in XXXX (Regulation Z) 12 CFR 1026.38(l)(7) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2154378 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2154378 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154378 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158416 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158416 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154382 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154382 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154382 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158414 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Loan Discount Points. A cost to cure in the amount of $XXXX is required, of which $XXXX was cured at closing. There is a remaining cost to cure in the amount of $XXXX required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CD with COC<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158414 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158414 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163814 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163814 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. The Loan was approved by DU as a XXXX% LTV purchase of a second home, with a sales price $XXXXK. The DU approval in file, and FNMA guidelines require borrowers to contribute at least XXXX% of their own funds, $XXXX for the subject loan, for second home or investment property purchases with an LTV over XXXX%. The final Closing Disclosure reflected the total cash to close was $XXXX, of which $XXXX came from a gift from the borrower's spouse. The loan file did not contain any evidence the borrower contributed the required XXXX%, or that the borrower had the required funds to meet XXXX% as required. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, XXXX% DTI, $XXXX monthly residual income, $XXXX reserves, <br>**  | XXXX. XXXX% DTI. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2163814 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158560 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158560 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158560 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158554 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> coc<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158554 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | The following large deposits into XXXX #XXXX were not sourced and were required closing funds for the subject transaction; $XXXX on XX/XX/XXXX, $XXXX on XX/XX/XXXX and $XXXX.88 on XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Large Deposits <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158554 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158434 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158434 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158434 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158440 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158440 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158440 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score is XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> DVR provided is not for the subject property. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>XXXX (XX/XX/XXXX XX:XXAM)<br> dvr for subject property<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158470 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158470 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158470 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158438 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The notary acknowledged the borrower appeared before them on a different date than the borrower signed on. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> DOT<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158438 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158438 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162778 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162778 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158437 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158437 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163792 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163792 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163792 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162608 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162608 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162608 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162719 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162719 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162719 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162699 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: XXXX. A cost to cure in the amount of $XXXX was required in which $XXXX was reimbursed at closing. There is a remaining cost to cure in the amount of $XXXX required.? If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> cure docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2162699 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2162699 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2162787 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162787 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162787 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162753 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162753 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162753 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162644 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162644 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162644 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162945 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162945 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162945 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162637 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced XXXX is missing: Exhibit A Legal Description. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> DOT<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162637 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162637 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162755 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162755 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162755 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162570 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162570 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162570 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162938 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Revised CD Delivery Date (Waiting Period, APR) | XXXX | XXXX Required: An APR outside of allowable tolerance required a corrected Closing Disclosure and the corrected Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX triggered a new XXXX-day waiting period. The baseline APR for comparison purposes was re-set on XX/XX/XXXX with an APR of XXXX%. The APR decreased more than XXXX. A decrease in APR alone does not cause the APR to become inaccurate. However, if in addition to the APR decrease the Actual Finance Charge is understated when compared to the previous Disclosed Finance Charge, the APR is then considered inaccurate. On XX/XX/XXXX in addition to the APR decrease of XXXX% the Finance Charge was understated by $XXXX. Therefore, a new waiting period was triggered on this CD. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CD dated XXXX-XXXX-XXXX is not for this loan&#XXXX;s address<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> finding voided.<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162938 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Revised CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Points. A cost to cure in the amount of $XXXX was required in which $XXXX was reimbursed at closing. There is a remaining cost to cure in the amount of $XXXX required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CD dated XXXX-XXXX-XXXX is not for this loan&#XXXX;s address<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> finding voided.<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162938 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162938 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162691 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162691 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162691 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162720 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Late | XXXX | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a)(1) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2162720 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2162720 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2162846 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162846 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162846 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162825 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162825 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162825 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162647 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162647 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162647 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162722 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162722 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162722 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162684 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal Testing | XXXX | Federal Testing. Testing for TILA, XXXX, Federal and State threshold accuracy could not be completed through the compliance tool due to XXXX missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162684 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | MI - Missing Documentation | XXXX | The file contains no evidence that the proper amount of mortgage insurance was obtained. The XXXX cert is blank and missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2162684 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162747 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162747 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162747 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162707 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Tax Servicing Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2162707 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2162707 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158571 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158571 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158571 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score was XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162842 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162842 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162842 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162528 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Loan Origination Fee $XXXX and Points $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> undiscounted rate<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The undiscounted rate provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162528 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VVOE Salaried/Missing | XXXX | A VVOE is missing from the loan file. The loan file is missing a VVOE for both the borrower and co-borrower as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Both VOEs are attached. XXXX&#XXXX;s dated XXXX/XXXX is within XXXX business days of closing on XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162528 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162693 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162693 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | AUS - Discrepancy/Conforming Loan | XXXX | The AUS obtained in the loan file reflects DTI of XXXX% as the qualifying ratio. However, per the final XXXX and approval documentation the actual qualifying DTI is XXXX%. The AUS does not reflect the subject's PITI as a negative rental income, which does not match the documentation in the loan file. No other AUS is contained in the loan file with accurate information. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AUS<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162693 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162680 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162680 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162680 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162625 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162625 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162625 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162662 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162662 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162662 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162675 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: XXXX% of total loan amount. The following fees were included in the testing: Administration fee and XXXX fee. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> undiscounted rate<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The undiscounted rate provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162675 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162675 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162797 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162797 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> No finding. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162797 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The property type is ineligible for UCDP results. The loan file did not contain any other valuation product to support the appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162629 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX, Tax Service Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2162629 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Per XXXX Statute S.B. 4D for all XXXX condo projects XXXX stories or more, XXXX years or older or XXXX years and older if within XXXX miles of coast a Structural Inspection is required. Structural inspection is missing from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Inspection<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2162629 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2162616 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162616 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Business Tax Returns | XXXX | Copies of signed federal business income tax returns (including all schedules) were not obtained or were not properly retained in the file. The DU approval required XXXX years of business tax returns unless the Borrower was self-employed for XXXX years. The loan file contained only XXXX year of business tax returns; however, there was no documentation provided to support the business was in existence for XXXX years or more. A business search reflects an initial business filing date of XX/XX/XXXX, which is less than XXXX years as of the subject transaction on XX/XX/XXXX. Documentation to support XXXX years of self-employment or XXXX business tax returns are required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162616 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162833 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162833 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162833 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162793 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162793 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162793 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained an AVM dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162710 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162710 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162710 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163783 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163783 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163783 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163776 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1)) The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163776 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: Second Home Rider. |  |  |  |  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2163776 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. |  |  |  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2163776 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains the following fee or fees where 'compensation to' does not reflect a XXXX on the revised CD. XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 3 |
| XXXX | 2163776 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163776 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2162838 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162838 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163781 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163781 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163781 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score is XXXX. CDAprovided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162646 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the document preparation fee test. XXXX v. XXXX, No. SC88167, slip op. (XXXX Aug. XXXX, XXXX)Charging a fee for preparation of loan documents constitutes unauthorized practice of law and violates a plain reading of § XXXX and484.020. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2162646 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2162646 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2162690 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162690 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162690 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score XXXX. The loan file did not contain a CDA. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162682 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162682 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162682 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162804 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162804 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162804 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162619 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162619 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162619 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163782 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163782 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file does not contains documentation supporting the mortgage payment on the borrowers primary residence is escrowed and includes both taxes and insurance. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX mortgage statement<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162642 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Employment Verification. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2162642 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163809 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163809 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163809 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score was XXXX. The loan file did not contain any other valuation product to support the appraised value. CDA provided and supports the appraised value within 10%. (Resolved) | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> CDA provided and supports the appraised value within 10%. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162571 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162571 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The borrowers recently purchased an investment property located at XXXX, XXXX, XXXX XXXX, in the amount of $XXXX with monthly payments of $XXXX. However, the loan file does not contain any documentation to verify the monthly payment. In addition, the borrowers did not provide evidence of hazard insurance for their primary residence located at XXXX, XXXX; therefore, could not determine if the amount used is accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162571 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163805 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163805 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163805 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an CU score at XXXX or under to support the origination appraised value. The loan file contains a CU Score XXXX. CDA provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVr uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163815 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Commitment fee $XXXX, XXXX fee $XXXX and Points $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> undiscounted docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Undiscounted Rate has been applied and there was not any excludable Bona Fide Points. It does appear there were XXXX Paid fees on the loan. Please provide an updated PCCD with XXXX paid fees. (XXXX)<br>**  |  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2163815 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163815 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the XXXX rate spread home loan test. (XXXX GS §XXXX-XXXXF(a)(XXXX)) The loan is a rate spread home loan, as defined in the legislation. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163815 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the bona fide discount points test due to one of the following findings: (XXXX §XXXX-1.1A (c)(1)(b)). The loan is a first lien mortgage and has a principal amount that is greater than or equal to $XXXX and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 3 |
| XXXX | 2163815 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163815 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2162942 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162942 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162942 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162596 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162596 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162596 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163799 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Recording fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> cure documents<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2163799 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163799 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2162895 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162895 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162895 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163798 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163798 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163798 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | Subject property XXXX family; therefore, CU score unavailable. The Loan file did not contain an AVM, CDA, Field Review, or 2nd appraisal to support the origination appraised value. CDA provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> CDA provided and supports the appraised value within 10%. (Resolved)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXAM)<br> DVR uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162598 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162598 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162598 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162768 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162768 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - W2(s) Missing | XXXX | XXXX's missing from the loan file. Per the AUS in the loan file the borrower's income is required to be documented via two most recent years W2s. The loan file did not contain the required W2s, additionally the loan file did not contain a written verification of employment in lieu of XXXX years W2s. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Written VOE <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162768 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163800 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Flood Certification. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. |  |  |  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2163800 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163800 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163812 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX;: Wire Fee $XXXX, Processing Fee $XXXX, Underwriting Fee $XXXX, Discount Points $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Undiscounted Rate provided allows for the exclusion of bona fide discount points. Upon recalculation, the loan is compliant and passes the Points and Fees test. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163812 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | Per final AUS, the borrower was required to verify rental payments for XXXX months. The loan file obtains XXXX months of bank statements from XXXX. However, the bank statements does not reflect rent payments in the amount of $XXXX being withdrawn. The loan file does not contain any other documentation to verify the borrower's rental payment history as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163812 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162607 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162607 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162607 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163803 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Title-Notary Fees. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. |  | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> rebuttal for XXXX fee<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> cure documents<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The notary is part of the title services. Borrower shops for a settlement service provider who then provides or outsources additional services. Borrower selected the title provider listed on the SPL. Additionally, had notary been a separate required service for settlement outside of title company, there was no XXXX listed on the SPL in order for borrower to appropriately shop. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2163803 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163803 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2162547 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162547 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162547 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163797 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2163797 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Credit Report, CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. |  |  |  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2163797 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163797 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2162760 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162760 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Tax Return Documentation Incomplete | XXXX | Borrower self-employed. The file contains the most recent XXXX K-XXXX for XXXX and the XXXX personal tax return; however, is missing the business tax return for XXXX. Reviewer unable to calculate the self-employment qualifying monthly income of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162760 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains a 2nd full appraisal which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162591 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162591 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162591 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163804 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163804 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163804 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score was XXXX. The loan file did not contain any other valuation product to support the appraised value. AVM provided supports the origination value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162902 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The Escrow Account Disclosure option is incorrect when compared to page XXXX of the CD. Truth in XXXX (Regulation Z) 12 CFR 1026.38(l)(7). | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2162902 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2162902 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158572 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158572 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158572 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158563 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158563 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158563 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158550 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158550 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158550 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU scores were not available. The loan file did not contain a CDA. AVM provided supports the origination value within 10%. (Resolved | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158569 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The PUD name on the PUD Rider states XXXX. Appraisal and Legal Description state XXXX. |  | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached<br>**  |  |  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2158569 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2158569 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2158523 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158523 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158523 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score was XXXX. The loan file did not contain any other valuation product to support the appraised value. CDA provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158535 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Points Loan Discount Fee $XXXX, Commitment Fee $XXXX and Mortgage Broker Fee (Indirect) $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> undiscounted docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Undiscounted Rate provided allows for the exclusion of bona fide discount points. Upon recalculation, the loan is compliant and passes the Points and Fees test. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158535 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX, Verification Bundle Fee (Processing Fee - Third PartyVerification Fees). However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2158535 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158527 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158527 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158527 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158532 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158532 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158532 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU Score is XXXX. The loan file did not contain any other valuation product to support the appraised value. CDA provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158525 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Disclosure - Georgia Right to Select an Attorney/Missing | XXXX | The XXXX Notice of Right to Select Attorney is Missing. Must be provided to indicate that a consumer had a choice of attorney in cases where attorneys' fees are intended to be excluded from a points and fees calculation. If not provided, any attorneys' fees will be included in the points and fees calculation. XXXX Fair Lending Act O.C.G.A. XXXX-6a-2(XXXX)(G)(ii) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX Notice<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2158525 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Discount Points on the revised CD issued XX/XX/XXXX. The COC provided in the loan file indicates the increase was due to a program change from rate and term to cash out; however, the prior CD issued XX/XX/XXXX reflects the program was a cash out when the loan amount increased from $XXXX to $XXXX. A cost to cure in the amount of $XXXX was required or which $XXXX was cured on the CD. A cost to cure in the amount of $XXXX is still required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. |  | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> COC<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The CD issued on XX/XX/XXXX reflects the change to a cash out refinance. Therefore the change was known as far back as this date and the fee increase not re-disclosed within XXXX-days. Cost to cure remains. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2158525 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2158525 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |

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## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **DD Start Date** | **DD Delivery Date** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** | **Initial Property Valuation Grade (Moody's)** | **Final Property Valuation Grade (Moody's)** | **Initial Property Valuation Grade (S&P)** | **Final Property Valuation Grade (S&P)** | **Initial Property Valuation Grade (Fitch)** | **Final Property Valuation Grade (Fitch)** | **Initial Property Valuation Grade (DBRS Morningstar)** | **Final Property Valuation Grade (DBRS Morningstar)** | **Initial Property Valuation Grade (KBRA)** | **Final Property Valuation Grade (KBRA)** |
| XXXX | 2124093 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2124095 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2124092 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2124094 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153349 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153369 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153343 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153352 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153286 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153291 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2153375 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153303 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153332 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153295 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B |
| XXXX | 2153348 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2153310 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153337 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153344 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153357 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | A | A B C | A | A B C | A | A B C | A | A B C | A | A B |
| XXXX | 2153289 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2153359 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2153345 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153356 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153296 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2153311 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2153381 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2153362 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2153377 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153354 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153355 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153374 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153382 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153333 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153313 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153383 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153320 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2153325 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | A | A B C | A | A B C | A | A B C | A | A B C | A | A B |
| XXXX | 2153387 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153314 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153299 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2153370 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153319 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153328 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2153326 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 1 | 3 | 2 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B C A |
| XXXX | 2153341 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153323 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153324 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153350 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153290 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153367 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153308 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153321 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153316 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153292 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153297 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153329 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153358 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2153312 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153336 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153368 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153346 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153300 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153347 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153378 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153361 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153294 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2153298 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153385 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2153301 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2153287 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153351 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153335 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153373 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153376 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153304 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153309 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153318 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2153330 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153339 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153386 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153364 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153302 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153360 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153334 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153366 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153340 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153342 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153305 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153372 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153338 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153306 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2153379 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153384 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153317 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2153353 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2153307 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153365 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153293 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153380 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153363 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2153327 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153288 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153371 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2153331 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153322 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2074150 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2074127 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2074091 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2074165 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2086487 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153601 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2153663 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2153618 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153639 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153608 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153558 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153579 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144509 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 2144500 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144507 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 1 | 3 | 2 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B C A |
| XXXX | 2144494 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C |
| XXXX | 2144489 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2144486 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144496 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144485 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144506 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144493 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C |
| XXXX | 2144499 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2144488 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 1 | 3 | 2 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B C A |
| XXXX | 2144508 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 2144491 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2144482 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144483 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 3 | 2 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B C |
| XXXX | 2144502 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 3 | 2 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B C |
| XXXX | 2144510 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2144492 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144503 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2144501 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144484 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2144490 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144479 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144495 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2144497 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144498 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2144481 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 2144480 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2144504 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144487 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2144505 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2141750 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C |
| XXXX | 2154360 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2141753 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2141764 | XXXX | XXXX | XXXX | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2139313 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2141772 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2141773 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2141893 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158401 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2154384 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 2158404 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2154382 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154366 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154383 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154375 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2154373 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154368 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2158405 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2157650 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154381 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157624 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2154378 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2154376 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2154372 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 2154369 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2154367 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2154385 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154380 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158415 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154374 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B |
| XXXX | 2158423 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 3 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A C B |
| XXXX | 2158414 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2154390 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154397 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154386 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158403 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2154377 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158416 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157631 | XXXX | XXXX | XXXX | 3 | 3 | 3 | 3 | 1 | 1 | 1 | 1 C | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2158402 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2154379 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154370 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2154371 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158461 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158460 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2158474 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158440 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157842 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158438 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158434 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158470 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158437 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2158454 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2158569 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158408 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158563 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158410 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2158550 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2158553 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158554 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2157578 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158571 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2158067 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2158577 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2158560 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158406 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2158054 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2158570 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158572 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158574 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158545 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2158527 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158539 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158491 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158523 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2158532 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157511 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C |
| XXXX | 2158496 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158525 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158506 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2158498 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2158502 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158535 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B |
| XXXX | 2162833 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2163783 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162854 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2162825 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162793 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2163782 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 2162682 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2163789 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2162625 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162642 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B |
| XXXX | 2162706 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 2163776 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2162859 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2162528 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2162629 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | A | A B C | A | A B C | A | A B C | A | A B C | A | A B |
| XXXX | 2162720 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2162616 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2162644 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162838 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2162787 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162858 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162805 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2163791 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2162684 | XXXX | XXXX | XXXX | 3 | 1 | 4 | 1 | 3 | 1 | 1 | 1 C A D | A | A C D | A | A C D | A | A C D | A | A C D | A | A C |
| XXXX | 2162636 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2162690 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2162637 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2162691 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162662 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2163788 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2162675 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2162842 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162846 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162801 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2162786 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2163779 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162707 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2163792 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162619 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162804 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162710 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162647 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162797 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2163781 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2162680 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162664 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2162719 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162623 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162646 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2162699 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2162722 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162693 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2163793 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 2163780 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2162692 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2163801 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2163794 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2162592 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162945 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2163813 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2162778 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2162598 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2163805 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2162914 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2162603 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162776 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2162607 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162602 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2162570 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162938 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162577 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162755 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2163811 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162591 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2163804 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2163802 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2163798 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2162753 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2163795 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A |
| XXXX | 2163806 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2162600 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2162902 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2163796 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2162608 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2163803 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2163814 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2162596 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162571 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2162747 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162547 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162942 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162594 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2162601 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2162768 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2162760 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2163800 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2163812 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2162921 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2162928 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2163808 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2163807 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 1 C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2163810 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2163799 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2163797 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2163809 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2162593 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2162870 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2162895 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2163815 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2085541 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2158400 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158399 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |

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## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 4**

Valuation Securitization Report

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| **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** | **ORIGINATION 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** | **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** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal 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** |
| XXXX | 2074127 | XXXX |  | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2074150 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2085541 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -4.885% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2074091 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2074165 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2086487 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.986% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158400 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2158399 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2154360 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141764 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124092 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124093 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124094 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124095 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141772 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2139313 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141773 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141753 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2141893 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144482 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -4.420% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144485 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2144486 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 5.064% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144484 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -0.400% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |
| XXXX | 2144487 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -10.440% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144488 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -28.762% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144483 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -16.586% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144479 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2144480 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2144492 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX |  |  | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144490 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX |  |  | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144499 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 31.880% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144496 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2144489 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX | -13.881% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144510 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 9.120% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2144506 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX | -3.950% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144500 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 1.770% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144497 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 3.360% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144504 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2144501 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX |  |  | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154368 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2144507 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -10.230% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2154375 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -3.290% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154373 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154379 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154385 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX | -3.639% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2157624 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -1.767% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154386 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154383 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154382 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154378 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158474 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2158454 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157842 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2158440 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2158460 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2158434 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2158438 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2158470 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2158415 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 10.844% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163792 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162787 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2162644 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2162684 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2162693 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2162664 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2163788 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2162625 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2162801 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162675 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2162804 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162793 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -8.101% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2162637 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |
| XXXX | 2162707 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162720 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162722 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2162846 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162616 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162719 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162619 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2162690 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2162646 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162842 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162833 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162629 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162825 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2163789 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2162680 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2158554 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2158574 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162692 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162691 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162797 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153608 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2163791 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158569 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2153618 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2154369 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157578 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153579 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153639 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162623 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2158525 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2158491 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158539 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2153663 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158410 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163780 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2153558 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162699 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162636 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2163781 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX |  |  | XXXX | XXXX | XXXX | 0.131% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2158067 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158570 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158571 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.505% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2158054 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158408 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2158572 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158577 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158560 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2162858 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162662 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2162682 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163806 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 0.190% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2162859 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162528 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162647 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163783 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158498 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163776 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162600 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2162594 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163803 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162602 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2162902 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2163805 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX |  |  | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2162603 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162593 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2162753 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2163813 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -0.350% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2163814 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162870 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2163811 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163815 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162607 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2162608 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2154380 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2144502 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 2.570% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2154390 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154376 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2153373 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153289 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153314 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2153375 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153301 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153358 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153354 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2153352 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.030% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153369 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2153321 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153348 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153351 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153360 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153325 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153308 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153365 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153372 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153381 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153309 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2153363 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2153374 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX |  |  | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2153317 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153295 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153371 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153357 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153385 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -0.315% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2153304 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153378 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2153286 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153327 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2153338 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2153382 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153293 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153330 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2153337 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX |  |  | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153316 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2153376 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2153329 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153299 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153326 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -28.696% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153387 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2153324 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153323 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2153341 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153287 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX |  |  | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153362 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 29.720% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153380 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2153345 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2153318 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153296 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -17.294% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153320 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 17.733% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153384 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153383 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2153319 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153298 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154366 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158403 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158405 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2154371 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2154367 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -3.729% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2154381 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2158423 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -3.818% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2157650 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2158402 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157631 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158404 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158401 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX |  |  | XXXX | XXXX | XXXX | -37.500% | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2158461 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2158414 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2153303 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153356 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2153305 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2153336 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153386 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2153302 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153322 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153364 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153294 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153313 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153300 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153343 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153307 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2153334 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153344 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153297 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153339 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2153306 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153347 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2153340 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153335 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153349 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2153342 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2153346 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153379 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153377 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153355 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153370 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153312 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153328 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2153350 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153311 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153332 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2153368 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2153333 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153359 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153361 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153291 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2153331 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153366 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153367 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2153288 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153353 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2153310 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2153290 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.144% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2153292 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154370 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144505 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2154397 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -1.820% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162577 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163799 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163800 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2163796 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163801 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  | XXXX | XXXX | 0.060% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2162776 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163808 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 0.855% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163812 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2162928 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162747 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162547 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162598 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162596 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2163807 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX |  |  | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2162938 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2163802 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163810 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -1.230% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2162755 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| XXXX | 2162591 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162571 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163794 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162760 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable | XXXX | XXXX | 0.000% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162570 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162592 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158496 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2158523 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX |  |  | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2162921 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158553 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162942 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2162945 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2163797 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2163798 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX |  |  | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162768 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158550 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004C | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  | XXXX | XXXX | -1.730% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163804 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 11.640% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2162895 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2154377 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162601 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2158502 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2158527 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163809 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2158563 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158532 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX |  |  | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2163779 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2162710 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162854 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144494 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153601 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157511 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162642 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162914 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162706 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162778 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158406 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158437 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144481 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141750 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158535 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154374 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144508 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144503 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162786 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158506 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144495 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144493 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163782 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163795 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162838 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144498 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144509 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162805 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163793 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154384 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144491 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158545 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158416 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154372 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 5**

---

| | |
|:---|:---|
| **Report Pulled:** | 5/12/2026 |
| **Loan Count:** | 344 |

---

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| CLTV | 20 | 5.81% |
| Loan Purpose | 26 | 7.56% |
| LTV | 60 | 17.44% |
| Maturity Date | 9 | 2.62% |
| Occupancy Type | 14 | 4.07% |
| Original Interest Rate | 66 | 19.19% |
| Original Loan Amount | 48 | 13.95% |
| Origination/Note Date | 15 | 4.36% |
| Originator Back-End DTI | 33 | 9.59% |
| Property Type | 18 | 5.23% |
| The Original Principal and Interest Payment Amount | 1 | 0.29% |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 6**

---

| | |
|:---|:---|
| **Report Pulled:** | 5/12/2026 |
| **Loan Count:** | 344 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 2124093 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153299 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2153336 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2153336 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153300 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2153287 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2153301 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153302 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2153337 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153384 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153303 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153308 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153309 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2153387 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153310 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2153313 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2153313 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2153314 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153293 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153317 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153380 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153380 | XXXX | Property Type | SF | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2153318 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153367 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153321 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153368 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2153324 | XXXX | Loan Purpose | Refinance - Cash Out | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2153325 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153371 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153372 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153326 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153363 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153295 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153364 | XXXX | Property Type | PDD | Townhouse |
| XXXX | XXXX | 2153357 | XXXX | Property Type | SF | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2153361 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153352 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153354 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153332 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153333 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153340 | XXXX | Property Type | PDD | Townhouse |
| XXXX | XXXX | 2153341 | XXXX | Property Type | SF | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2153343 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153558 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153579 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153601 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2144480 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144480 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144480 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144480 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144480 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2144481 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144481 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144481 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144481 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144482 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144482 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2144483 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144483 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144483 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144484 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144484 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144484 | XXXX | Property Type | SFD | Townhouse |
| XXXX | XXXX | 2144485 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144485 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144486 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144486 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144486 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144486 | XXXX | Property Type | SFD | 3 Family |
| XXXX | XXXX | 2144487 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144487 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144487 | XXXX | Property Type | SFD | 3 Family |
| XXXX | XXXX | 2144488 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144488 | XXXX | Property Type | SFD | 2 Family |
| XXXX | XXXX | 2144489 | XXXX | Property Type | SFD | 3 Family |
| XXXX | XXXX | 2144490 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144490 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144490 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144491 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144491 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144491 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144491 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144492 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144493 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144493 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144494 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144494 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144494 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144494 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144494 | XXXX | Property Type | SFD | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2144495 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144495 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144495 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144496 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144497 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144497 | XXXX | Property Type | SFD | 2 Family |
| XXXX | XXXX | 2144498 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144498 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144498 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144498 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2144499 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144499 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144499 | XXXX | Property Type | Unknown | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2144500 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144500 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144500 | XXXX | Property Type | SFD | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2144501 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144501 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2144501 | XXXX | Property Type | SFD | Townhouse |
| XXXX | XXXX | 2144502 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144502 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144502 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144503 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144503 | XXXX | Property Type | CONDO | Townhouse |
| XXXX | XXXX | 2144503 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2144504 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144505 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144505 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144505 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144506 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144506 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144506 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144506 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2144506 | XXXX | Property Type | SFD | 2 Family |
| XXXX | XXXX | 2144507 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2144508 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144508 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144508 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144509 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2144510 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2074150 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2086487 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153608 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153618 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153639 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153663 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2144479 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2158460 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2158460 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154368 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154368 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154368 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154368 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154375 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154375 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154375 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154375 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154374 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154374 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154374 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154372 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154372 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154372 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154372 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154376 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154376 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154376 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154376 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154380 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154380 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154380 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154390 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154390 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154390 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154370 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154370 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154371 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154371 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154371 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154367 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154367 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154367 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154367 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2158403 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2158403 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2158403 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2158403 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154397 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154397 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154397 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2158405 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2158405 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2158405 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2158405 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2158423 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2158423 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2158423 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154377 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154377 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154377 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154377 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154384 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154384 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154384 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2158402 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2158402 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2158402 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2163810 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2163810 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2158415 | XXXX | Loan Purpose | Refi No Cash-Out | Cash Out: Debt Consolidation- Proceeds used to pay |
| XXXX | XXXX | 2158415 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2158415 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2158415 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2158506 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2158506 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2158404 | XXXX | Loan Purpose | Purchase | Cash Out: Debt Consolidation- Proceeds used to pay |
| XXXX | XXXX | 2158404 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2158404 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157650 | XXXX | Loan Purpose | Purchase | Cash Out: Debt Consolidation- Proceeds used to pay |
| XXXX | XXXX | 2157650 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157650 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2157650 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157650 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154369 | XXXX | Loan Purpose | Purchase | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2154369 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154369 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154369 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2139313 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2139313 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2139313 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2139313 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2158553 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2158553 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2163793 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2162854 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2162854 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2162854 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2085541 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2158399 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154366 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154366 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154366 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154366 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154360 | XXXX | Loan Purpose | Refi No Cash-Out | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154360 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154360 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154360 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141764 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141764 | XXXX | Occupancy Type | Investor | Second Home |
| XXXX | XXXX | 2141764 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141764 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141772 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2141772 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141772 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141772 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141772 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2141773 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2141773 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141773 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141773 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141750 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2141750 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141750 | XXXX | Occupancy Type | Investor | Second Home |
| XXXX | XXXX | 2141750 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141750 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154381 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154381 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154381 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154381 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157631 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157631 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2157631 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157631 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141753 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141753 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141753 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154379 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154379 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154379 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154379 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154373 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154373 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154373 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2158401 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2158401 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2157624 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2157624 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157624 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154385 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154385 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154385 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154385 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154386 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154386 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154386 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154386 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154383 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154383 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154383 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154383 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154383 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154378 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154378 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2158416 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2158416 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2158416 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2158416 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2158416 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154382 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154382 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154382 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154382 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154382 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2158414 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2158414 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2158414 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2158414 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2162720 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2162647 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2163812 | XXXX | LTV | XXXX | XXXX |

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