TABLE OF CONTENTS - Investors Title

Key Forms – TILA RESPA Integrated Disclosures Page 9This form is a statement of final loan terms and closing costs. Compare thisdocument with your Loan Estimate.Closing DisclosureClosing InformationTransaction InformationLoan InformationDate IssuedClosing DateDisbursement DateSettlement AgentFile #PropertyBorrowerLoan TermPurposeProductSellerLoan ID #MIC #LenderSale PriceLoan TermsLoan AmountConventionalFHAVALoan TypeCan this amount increase after closing?Two Decimal places. Truncate whole numbersInterest RateMonthly Principal & InterestSee Projected Payments below for yourEstimated Total Monthly PaymentTwo Decimal placesRound to the nearest whole dollarDoes the loan have these features?Prepayment PenaltyRound to the nearest whole dollarBalloon PaymentRound to the nearest whole dollarProjected PaymentsPayment CalculationPrincipal & InterestTwo Decimal placesTwo Decimal places - Round RangeMortgage InsuranceTwo Decimal placesTwo Decimal places - Round RangeEstimated EscrowTwo Decimal placesTwo Decimal places - Round RangeEstimated TotalMonthly PaymentTwo Decimal placesTwo Decimal places - Round RangeAmount can increase over timeEstimated Taxes, Insurance& AssessmentsTwo Decimal placesAmount can increase over timeSee page 4 for detailsCosts at ClosingClosing CostsCash to CloseCLOSING DISCLOSUREThis estimate includesProperty TaxesHomeowner’s InsuranceOther:In escrow?See Escrow Account on page 4 for details. You must pay for other propertycosts separately.Two Decimal placesI ncludes 5,877.00 in Loan Costs 7,642.43 in Other Costs – 0in Lender Credits. See page 2 for details. Includes Closing Costs. See Calculating Cash to Close on page 3 for details.Two Decimal placesPAGE 1 OF 5 LOAN ID # 0000000000

Key Forms – TILA RESPA Integrated Disclosures Page 10Closing Cost DetailsLoan CostsTwo Decimal placesBorrower-PaidAt Closing Before ClosingSeller-PaidAt Closing Before ClosingPaid byOthersA. Origination Charges01% of Loan Amount (Points)02030405060708B. Services Borrower Did Not Shop For01020304050607080910C. Services Borrower Did Shop For0102030405060708D. TOTAL LOAN COSTS (Borrower-Paid)Loan Costs Subtotals (A B C)Other CostsTwo Decimal placesE. Taxes and Other Government Fees01 Recording FeesDeed:Mortgage:02F. Prepaids01 Homeowner’s Insurance Premium ( mo.)02 Mortgage Insurance Premium ( mo.)03 Prepaid Interest (per day fromto)04 Property Taxes ( mo.)05G. Initial Escrow Payment at Closing01 Homeowner’s Insuranceper month for mo.02 Mortgage Insuranceper month for mo.03 Property Taxesper month for mo.0405060708 Aggregate AdjustmentH. Other0102030405060708I. TOTAL OTHER COSTS (Borrower-Paid)Other Costs Subtotals (E F G H)J. TOTAL CLOSING COSTS (Borrower-Paid)Closing Costs Subtotals (D I)Lender CreditsCLOSING DISCLOSUREPAGE 2 OF 5 LOAN ID # 0000000000

Key Forms – TILA RESPA Integrated Disclosures Page 11Calculating Cash to CloseUse this table to see what has changed from your Loan Estimate.Loan EstimateFinalDid this change?Two Decimal placesTotal Closing Costs (J)Closing Costs Paid Before ClosingClosing Costs Financed(Paid from your Loan Amount)Down Payment/Funds from BorrowerDepositFunds for BorrowerSeller CreditsAdjustments and Other CreditsCash to CloseSummaries of TransactionsUse this table to see a summary of your transaction.Two Decimal placesBORROWER’S TRANSACTIONSELLER’S TRANSACTIONTwo Decimal placesK. Due from Borrower at ClosingM. Due to Seller at Closing01 Sale Price of Property02 Sale Price of Any Personal Property Included in Sale03 Closing Costs Paid at Closing (J)04Adjustments050607Adjustments for Items Paid by Seller in Advance08City/Town Taxesto09County Taxesto10Assessmentsto111213141501 Sale Price of Property02 Sale Price of Any Personal Property Included in Sale030405060708Adjustments for Items Paid by Seller in Advance09 City/Town Taxesto10 County Taxesto11 Assessmentsto1213141516L. Paid Already by or on Behalf of Borrower at Closing01 Deposit02 Loan Amount03 Existing Loan(s) Assumed or Taken Subject to0405 Seller CreditOther Credits0607Adjustments08091011Adjustments for Items Unpaid by Seller12City/Town Taxesto13County Taxesto14Assessmentsto151617N. Due from Seller at Closing01 Excess Deposit02 Closing Costs Paid at Closing (J)03 Existing Loan(s) Assumed or Taken Subject to04 Payoff of First Mortgage Loan05 Payoff of Second Mortgage Loan060708 Seller Credit0910111213Adjustments for Items Unpaid by Seller14City/Town Taxesto15County Total Due from Borrower at Closing (K)Total Paid Already by or on Behalf of Borrower at Closing (L)Total Due to Seller at Closing (M)Total Due from Seller at Closing (N)Cash to CloseCashFromCLOSING DISCLOSURETo BorrowerFromTo SellerPAGE 3 OF 5 LOAN ID # 0000000000

Key Forms – TILA RESPA Integrated Disclosures Page 12Additional Information About This LoanLoan DisclosuresAssumptionIf you sell or transfer this property to another person, your lender will allow, under certain conditions, this person to assume thisloan on the original terms. will not allow assumption of this loan on the original terms.Demand FeatureYour loan has a demand feature, which permits your lender to require earlyrepayment of the loan. You should review your note for details.does not have a demand feature.Late PaymentIf your payment is more than days late, your lender will charge alate fee ofNegative Amortization (Increase in Loan Amount)Under your loan terms, you are scheduled to make monthly payments that do not pay all ofthe interest due that month. As a result, your loan amount willincrease (negatively amortize), and your loan amount will likelybecome larger than your original loan amount. Increases in yourloan amount lower the equity you have in this property. may have monthly payments that do not pay all of the interestdue that month. If you do, your loan amount will increase(negatively amortize), and, as a result, your loan amount maybecome larger than your original loan amount. Increases in yourloan amount lower the equity you have in this property.do not have a negative amortization feature.Partial PaymentsYour lender may accept payments that are less than the full amount due(partial payments) and apply them to your loan. may hold them in a separate account until you pay the rest of thepayment, and then apply the full payment to your loan. does not accept any partial payments.If this loan is sold, your new lender may have a different policy.Security InterestYou are granting a security interest inYou may lose this property if you do not make your payments orsatisfy other obligations for this loan.Escrow AccountFor now, your loan will have an escrow account (also called an “impound” or “trust”account) to pay the property costs listed below. Without an escrowaccount, you would pay them directly, possibly in one or two largepayments a year. Your lender may be liable for penalties and interestfor failing to make a payment.EscrowTwo Decimal placesEscrowedProperty Costsover Year 1Estimated total amount over year 1 foryour escrowed property costs:Non-EscrowedProperty Costsover Year 1Estimated total amount over year 1 foryour non-escrowed property costs:You may have other property costs.Initial EscrowPaymentA cushion for the escrow account youpay at closing. See Section G on page 2.Monthly EscrowPaymentThe amount included in your totalmonthly payment. ill not have an escrow account because you declined itwyourlender does not offer one. You must directly pay your propertycosts, such as taxes and homeowner’s insurance. Contact yourlender to ask if your loan can have an escrow account.No EscrowTwo Decimal placesEstimatedProperty Costsover Year 1Estimated total amount over year 1. Youmust pay these costs directly, possiblyin one or two large payments a year.Escrow Waiver FeeIn the future,Your property costs may change and, as a result, your escrow payment may change. You may be able to cancel your escrow account,but if you do, you must pay your property costs directly. If you failto pay your property taxes, your state or local government may (1)impose fines and penalties or (2) place a tax lien on this property. Ifyou fail to pay any of your property costs, your lender may (1) addthe amounts to your loan balance, (2) add an escrow account to yourloan, or (3) require you to pay for property insurance that the lenderbuys on your behalf, which likely would cost more and provide fewerbenefits than what you could buy on your own.Round to the nearest whole dollarAdjustable Payment (AP) TableInterest Only Payments?Optional Payments?Step Payments?Seasonal Payments?Monthly Principal and Interest PaymentsFirst Change/AmountSubsequent ChangesMaximum PaymentCLOSING DISCLOSUREAdjustable Interest Rate (AIR) TableIndex MarginInitial Interest RateMinimum/Maximum Interest RateChange FrequencyFirst ChangeSubsequent ChangesLimits on Interest Rate ChangesFirst ChangeSubsequent ChangesPAGE 4 OF 5 LOAN ID # 0000000000

Key Forms – TILA RESPA Integrated Disclosures Page 13Loan CalculationsOther DisclosuresAppraisalIf the property was appraised for your loan, your lender is required togive you a copy at no additional cost at least 3 days before closing.If you have not yet received it, please contact your lender at theinformation listed below.Total of Payments. Total you will have paid afteryou make all payments of principal, interest,mortgage insurance, and loan costs, as scheduled.Two DecimalplacesFinance Charge. The dollar amount the loan willcost you.Two DecimalplacesAmount Financed. The loan amount available afterpaying your upfront finance charge.Two DecimalplacesAnnual Percentage Rate (APR). Your costs overthe loan term expressed as a rate. This is not yourinterest rate.3 DecimalsTruncate WholeTotal Interest Percentage (TIP). The total amountof interest that you will pay over the loan term as apercentage of your loan amount.?Contract DetailsSee your note and security instrument for information about what happens if you fail to make your payments, what is a default on the loan, s ituations in which your lender can require early repayment of theloan, and the rules for making payments before they are due.Liability after ForeclosureIf your lender forecloses on this property and the foreclosure does not2-3 Decimals cover the amount of unpaid balance on this loan,Truncate Whole state law may protect you from liability for the unpaid balance. If yourefinance or take on any additional debt on this property, you maylose this protection and have to pay any debt remaining even afterforeclosure. You may want to consult a lawyer for more information. state law does not protect you from liability for the unpaid balance.Questions? If you have questions about theloan terms or costs on this form, use the contactinformation below. To get more informationor make a complaint, contact the ConsumerFinancial Protection Bureau eRefinancing this loan will depend on your future financial situation,the property value, and market conditions. You may not be able torefinance this loan.Tax DeductionsIf you borrow more than this property is worth, the interest on theloan amount above this property’s fair market value is not deductiblefrom your federal income taxes. You should consult a tax advisor formore information.Contact InformationLenderMortgage BrokerReal Estate Broker (B) Real Estate Broker (S) Settlement AgentNameFicus BankFRIENDLY MORTGAGEBROKER INC.RELIABLE REALTY CO.REALTY PROSABC SettlementAddress4321 Raven Blvd.Somecity, MD 543211234 Terrapin Dr.Somecity, MD 543211776 Chesapeake St.Ste 405Anytown, MD 123453456 Oriole Ave.Anytown, MD 123455432 Free State Blvd.Ste 405Somecity, MD 54321NMLS ID111111222222ContactJoe SmithJIM TAYLORKELLY GREENSTEVE WALSHNANCY WILSONContact NMLS 4-5555444-555-6666555-666-7777666-777-8888License IDContactLicense IDConfirm ReceiptBy signing, you are only confirming that you have received this form. You do not have to accept this loan because you have signed or receivedthis form.Applicant SignatureCLOSING DISCLOSUREDateCo-Applicant SignatureDatePAGE 5 OF 5 LOAN ID # 0000000000

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Key Forms – TILA RESPA Integrated Disclosures Page 15DECEMBER31, 2013Annotated forms for TILARESPA IntegratedDisclosureLoan Estimate DisclosureThis annotated form is intended to provide a starting point foranalysis of the relevant regulatory text. For complete anddefinitive requirements, please refer to the rule and its OfficialInterpretations. This annotated form does not represent legalinterpretation, guidance, or advice of the Bureau. This documentdoes not bind the Bureau and does not create any rights,benefits, or defenses, substantive or procedural, which areenforceable by any party in any manner.

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Key Forms – TILA RESPA Integrated Disclosures Page 19FEBRUARY 7, 2014TILA RESPA IntegratedDisclosureH-24(A) Mortgage Loan Transaction Loan Estimate – Model FormThis is a blank model Loan Estimate that illustrates the application of the content requirements in 12 CFR § 1026.37. Thisform provides two variations of page one, four variations of page two, and four variations of page three, reflecting thevariable content requirements in 12 CFR § 1026.37.

Key Forms – TILA RESPA Integrated Disclosures Page 20Save this Loan Estimate to compare with your Closing Disclosure.Loan EstimateDATE ISSUEDAPPLICANTSLOAN TERMPURPOSEPRODUCTLOAN TYPELOAN ID #RATE LOCK30 yearsPurchase5 Year Interest Only, 5/3 Adjustable Rate Conventional FHA VA1330172608NO YES, untilBefore closing, your interest rate, points, and lender credits canchange unless you lock the interest rate. All other estimatedclosing costs expire onPROPERTYSALE PRICELoan TermsCan this amount increase after closing?Loan AmountInterest RateMonthly Principal & InterestSee Projected Payments below for yourEstimated Total Monthly PaymentDoes the loan have these features?Prepayment PenaltyBalloon PaymentProjected PaymentsPayment CalculationPrincipal & InterestMortgage InsuranceEstimated EscrowAmount can increase over timeEstimated TotalMonthly PaymentEstimated Taxes, Insurance& AssessmentsAmount can increase over timeThis estimate includesProperty TaxesHomeowner’s InsuranceOther:In escrow?See Section G on page 2 for escrowed property costs. You must pay for otherproperty costs separately.Costs at ClosingEstimated Closing CostsEstimated Cash to CloseI ncludesin Loan Costs in Other Costs –in Lender Credits. See page 2 for details. I ncludes Closing Costs. See Calculating Cash to Close on page 2 for details.Visit www.consumerfinance.gov/mortgage-estimate for general information and tools.LOAN ESTIMATEPAGE 1 OF 3 LOAN ID # 1330172608

Key Forms – TILA RESPA Integrated Disclosures Page 21Save this Loan Estimate to compare with your Closing Disclosure.Loan EstimateDATE ISSUEDAPPLICANTSLOAN TERMPURPOSEPRODUCTLOAN TYPELOAN ID #RATE LOCK30 yearsPurchase5 Year Interest Only, 5/3 Adjustable Rate Conventional FHA VA1330172608NO YES, untilBefore closing, your interest rate, points, and lender credits canchange unless you lock the interest rate. All other estimatedclosing costs expire onPROPERTYEST. PROP. VALUELoan TermsCan this amount increase after closing?Loan AmountInterest RateMonthly Principal & InterestSee Projected Payments below for yourEstimated Total Monthly PaymentDoes the loan have these features?Prepayment PenaltyBalloon PaymentProjected PaymentsPayment CalculationPrincipal & InterestMortgage InsuranceEstimated EscrowAmount can increase over timeEstimated TotalMonthly PaymentEstimated Taxes, Insurance& AssessmentsAmount can increase over timeThis estimate includesProperty TaxesHomeowner’s InsuranceOther:In escrow?See Section G on page 2 for escrowed property costs. You must pay for otherproperty costs separately.Costs at ClosingEstimated Closing CostsEstimated Cash to CloseI ncludesin Loan Costs in Other Costs –in Lender Credits. See page 2 for details. I ncludes Closing Costs. See Calculating Cash to Close on page 2 for details.Visit www.consumerfinance.gov/mortgage-estimate for general information and tools.LOAN ESTIMATEPAGE 1 OF 3 LOAN ID # 1330172608

Key Forms – TILA RESPA Integrated Disclosures Page 22Closing Cost DetailsLoan CostsOther CostsA. Origination Charges% of Loan Amount (Points)Desk Review FeeLoan Origination FeeProcessing FeeRate Lock FeeUnderwriting FeeVerification FeeE. Taxes and Other Government FeesRecording Fees and Other TaxesTransfer Taxes esB. Services You Cannot Shop ForAppraisal FeeCredit Report FeeFlood Determination FeeLender’s Attorney 150 1,000 300 525 675 200 305 30 35 400F. PrepaidsHomeowner’s Insurance Premium ( months)Mortgage Insurance Premium ( months)Prepaid Interest (per day fordays @)Property Taxes ( months)G. Initial Escrow Payment at ClosingHomeowner’s Insurance per month for 3 mo.Mortgage Insurance per month for 0 mo.Property Taxes per month for 3 mo.H. OtherReal Estate Broker Administration FeeTitle – Owner’s Title Policy (optional) 200 1,436I. TOTAL OTHER COSTS (E F G H)C. Services You Can Shop ForPest Inspection FeeSurvey FeeTitle – Courier FeeTitle – Lender’s Title PolicyTitle – Settlement Agent FeeTitle – Title Search 125 150 32 100 300 150J. TOTAL CLOSING COSTSD ILender CreditsCalculating Cash to CloseTotal Closing Costs (J)Closing Costs Financed (Paid from your Loan Amount)Down Payment/Funds from BorrowerDepositFunds for BorrowerSeller CreditsAdjustments and Other CreditsD. TOTAL LOAN COSTS (A B C)LOAN ESTIMATEEstimated Cash to ClosePAGE 2 OF 3 LOAN ID # 1330172608

Key Forms – TILA RESPA Integrated Disclosures Page 23Closing Cost DetailsLoan CostsOther CostsA. Origination Charges% of Loan Amount (Points)Desk Review FeeLoan Origination FeeProcessing FeeRate Lock FeeUnderwriting FeeVerification FeeE. Taxes and Other Government FeesRecording Fees and Other TaxesTransfer TaxesB. Services You Cannot Shop ForAppraisal FeeCredit Report FeeFlood Determination FeeLender’s Attorney 150 1,000 300 525 675 200 305 30 35 400F. PrepaidsHomeowner’s Insurance Premium ( months)Mortgage Insurance Premium ( months)Prepaid Interest (per day fordays @)Property Taxes ( months)G. Initial Escrow Payment at ClosingHomeowner’s Insurance per month for 3 mo.Mortgage Insurance per month for 0 mo.Property Taxes per month for 3 mo.H. OtherReal Estate

Loan Estimate and Closing Disclosure Time Chart 1 TILA RESPA Time Chart 3 Loan Estimate Rounding Chart 5 Closing Disclosure Rounding Chart 9. LOAN ESTIMATE . CFR Reference Loan Estimate Disclosure Annotated 15 H-24(A) Mortgage Loan Transaction Loan Estimate 19 H-24(B) Fixed Rate Loan 31 H-24(C) Interest Only Adjustable Rate Loan 35 H-24(D .