Document Systems, Inc.

20501 South Avalon Boulevard, Suite B Carson, CA 90746 Phone: 800- 649-1362 Fax: 800-564- 1362 W ebs it e: www. d ocm agic.c om Em ail: c om plianc e@docm agic.c om

FEES & CHARGES LIST MATRIX

This matrix is distributed to provide general information about the subject matter covered and should not be utilized as a substitute for professional advice for your specific situation. If you require such advice, please consult with your own professional advisers.

Charge Code AEF CSF DPR FI RHF PRF SOF TUF ATS AI ADM APF AF AR ASF ASM ATF BF BDF CSD CSM CTS CYT CPL COM CT CRF

Finance Charge Name 203K Architectural and Engineering Fee 203K Consultant Fee 203K Discount On Repairs 203K Inspection Fee 203K Other Fee 203K Permits 203K Supplemental Origination Fee 203K Title Update Abstract or Title Fee Accident Insurance Premium Administration Fee Application Fee Appraisal Fee Appraisal Review Fee Assignment Fee Assumption Fee Attorney Fee Broker Fee Buydown Fee City County Deed Tax Stamps City County Mortgage Tax Stamps City County Tax Stamps City Tax Closing Protection Letter Fee Commitment Fee County Property Tax Courier Fee

Finance Charge Y Y Y Y Y Y Y N N Y
1

Citation Reg. Z 1026.4(a)(1) Reg. Z 1026.4(a)(1) Reg. Z 1026.4(a)(1) Reg. Z 1026.4(a)(1) Reg. Z 1026.4(a)(1) Reg. Z 1026.4(a)(1) Reg. Z 1026.4(a)(1) Reg. Z 1026.4(c)(7) Reg. Z 1026.4(c)(7)(i) Reg. Z 1026.4(d)(1) Reg. Z 1026.4(b)(2) Reg. Z 1026.4(c)(1) Reg. Z 1026.4(c)(7)(iv) Reg. Z 1026.4(c)(7)(iv) Reg. Z 1026.4(b)(6) Reg. Z 1026.4(b)(3) Reg. Z 1026.4(a)(2); (c)(7) Reg. Z 1026.4(a)(3) Reg. Z 1026.4(b)(3) Official Staff Commentary 1026.4(a)-5(iii) Official Staff Commentary 1026.4(a)-5(iii) Official Staff Commentary 1026.4(a)-5(iii) Official Staff Commentary 1026.4(a)-5(iii) Reg. Z 1026.4(a) Reg. Z 1026.4(b)(3) Official Staff Commentary 1026.4(a)-5(iii) Official Staff Commentary 1026.4(a)(2)-1

GFE Category & Default Block From Lender Provided List; Block 6 From Lender Provided List; Block 6 Rate Credit or Charge; Block 2 Lender Required; Block 3 Origination; Block 1 From Lender Provided List; Block 6 Origination; Block 1 Title Services; Block 4 Title Services; Block 4 N/A Origination; Block 1 Origination; Block 1 Lender Required; Block 3 Lender Required; Block 3 Origination; Block 1 Origination; Block 1 Origination, Block 1 Origination; Block 1 Rate Credit or Charge; Block 2 Transfer Taxes; Block 8 Transfer Taxes; Block 8 Transfer Taxes; Block 8 Transfer Taxes; Block 8 Title Services; Block 4 Origination; Block 1 N/A Title Services; Block 4

Y4 N3 N3 Y Y Y7, 3 Y Y N N N

N Y
Y N Y

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Charge Code CLI CR DCI DF RDF DRV EMF EN EF EP EW FC FM FD FIP FF RFF HAZ HI IT PI LC LIF LOI MRF MF MPC MPF MPR MCN MCP MT

Finance Charge Name Credit Life Insurance Premium Credit Report Debt Cancellation Insurance Premium Document Preparation Document Redraw Fee Document Review Electronic Delivery Environmental Inspection Escrow Fee Escrow Pad Escrow Waiver Flood Certification (Basic) Flood Certification (Life of Loan) Flood Determination Flood Insurance Premium Funding Fee Government Recording Fees Hazard Insurance Premium Health Insurance Premium Intangible Tax Lender Inspection Fee Lender's Title Insurance Fee Loan Discount Points Loan Origination Fee Lock-In Fee Loss-Of-Income Insurance Premium MERS Registration Fee Messenger Fee MIP (Cash) MIP (Financed) MIP (Refund) Misc. Non Prepaid Misc. Prepaid Mortgage Tax

Finance Charge N1 N3 N1 N3 N3 N3 Y N3 Y N Y N3 Y N3,8 N2 Y N5 N2 N1 N N3, 6 N Y Y Y N1 Y Y Y Y N N Y N

Citation Reg. Z 1026.4(d)(1) Reg. Z 1026.4(c)(7)(iii) Reg. Z 1026.4(d) Reg. Z 1026.4(c)(7)(ii) Reg. Z 1026.4(c)(7)(ii) Reg. Z 1026.4(c)(7)(ii) Reg. Z 1026.4(b)(2) Reg. Z 1026.4(c)(7)(i) Reg. Z 1026.4(a)(2) Reg. Z 1026.4(c)(7)(v) Reg. Z 1026.4(a)(2) Reg. Z 1026.4(c)(7)(iv) Official Staff Commentary 1026.4(c)(7)-3 Reg. Z 1026.4(c)(7)(iv) Reg. Z 1026.4(d)(2) Reg. Z 1026.4(b)(2) Official Staff Commentary 1026.4(e)-1 Reg. Z 1026.4(d)(2) Reg. Z 1026.4(d)(1) Official Staff Commentary 1026.4(a)-5(iii) Reg. Z 1026.4(c)(7)(iv) Reg. Z 1026.4(c)(7)(i) Reg. Z 1026.4(b)(3) Reg. Z 1026.4(b)(3) Reg. Z 1026.4(b)(3) Reg. Z 1026.4(d)(1) Reg. Z 1026.4(b)(6) Reg. Z 1026.4(b)(2) Reg. Z 1026.4(b)(5) Reg. Z 1026.4(b)(5) None None None Official Staff Commentary 1026.4(a)-5(iii)

GFE Category & Default Block N/A Lender Required; Block 3 N/A Origination; Block 1 Origination; Block 1 Origination; Block 1 Title Services; Block 4 From Lender Provided List; Block 6 Title Services; Block 4 Title Services; Block 4 Rate Credit or Charge; Block 2 Lender Required; Block 3 Lender Required; Block 3 Lender Required; Block 3 Homeowners Insurance; Block 11 Origination, Block 1 Government Recording; Block 7 Homeowners Insurance; Block 11 N/A Transfer Taxes; Block 8 Origination; Block 1 Title Services; Block 4 Rate Credit or Charge; Block 2 Origination; Block 1 Origination; Block 1 N/A Origination; Block 1 Title Services; Block 4 Lender Required; Block 3 Lender Required; Block 3 N/A Origination; Block 1 Origination; Block 1 Transfer Taxes; Block 8

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Charge Code NF OIP OC PO PL DBF TRF PMI PF QCF RF RD RMF RRF RDG RDC SCT CF SIF SSD SSM STS SE SVF TS TIF TDP EDF TE TBF TF TSF TEF

Finance Charge Name Notary Fee Other Debt Cancellation Premium Owner's Title Insurance Fee Payoff: Payoff Lien: Payoff Request Fee Pest Inspection PMI Premium Processing Fee Quitclaim Recording Fee Reconveyance Fee Recording Deed Fee Recording Mortgage Fee Recording Releases Fee Rural Development Guarantee Fee (Financed) Rural Development Guarantee Fee (Cash) School Tax Settlement or Closing Fee Signing Fee State Stamp Deed State Stamp Mortgage State Tax Stamps Sub Escrow Fee Survey Fee Tax Service Fee Tie In Fee Title Document Fee Title Endorsement Fee Title Examination Fee Title Insurance Binder Fee Title Insurance Fee Transfer Tax Fee Trustee Fee

Finance Charge N3 N1 N3 N N Y N3 Y Y N3 N3 N5 N5 N5 Y Y N Y Y

Citation Reg. Z 1026.4(c)(7)(iii) Reg. Z 1026.4(d)(1) Reg. Z 1026.4(c)(7)(i) None None Reg. Z 1026.4(b)(3) Reg. Z 1026.4(c)(7)(iv) Reg. Z 1026.4(b)(5) Reg. Z 1026.4(b)(2) Reg. Z 1026.4(c)(7)(ii) Reg. Z 1026.4(c)(7)(ii) Official Staff Commentary 1026.4(e)-1 Official Staff Commentary 1026.4(e)-1 Official Staff Commentary 1026.4(e)-1 Reg. Z 1026.4(b)(5) Reg. Z 1026.4(b)(5) Official Staff Commentary 1026.4(a)-5(iii) Official Staff Commentary 1026.4(a)(2)-2 Reg. Z 1026.4(a)(2) Official Staff Commentary 1026.4(a)-5(iii) Official Staff Commentary 1026.4(a)-5(iii) Official Staff Commentary 1026.4(a)-5(iii) Reg. Z 1026.4(a)(2) Reg. Z 1026.4(c)(7)(i) Reg. Z 1026.4(b)(2) Reg. Z 1026.4(a)(2) Reg. Z 1026.4(c)(7)(i) Reg. Z 1026.4(c)(7)(i) Reg. Z 1026.4(c)(7)(i) Reg. Z 1026.4(c)(7)(i) Reg. Z 1026.4(c)(7)(i) Official Staff Commentary 1026.4(a)-5(iii) Reg. Z 1026.4(a)

GFE Category & Default Block Title Services; Block 4 N/A Owner's Title Insurance; Block 5 N/A N/A Origination; Block 1 From Lender Provided List; Block 6 Lender Required; Block 3 Origination; Block 1 Government Recording; Block 7 Origination; Block 1 Government Recording; Block 7 Government Recording; Block 7 Government Recording; Block 7 Lender Required; Block 3 Lender Required; Block 3 N/A Title Services; Block 4 Title Services; Block 4 Transfer Taxes; Block 8 Transfer Taxes; Block 8 Transfer Taxes; Block 8 Title Services; Block 4 Title Services; Block 4 Lender Required; Block 3 Title Services; Block 4 Title Services; Block 4 Title Services; Block 4 Title Services; Block 4 Title Services; Block 4 Title Services; Block 4 Transfer Taxes; Block 8 Origination; Block 1

N N
N Y N3 Y Y N3 N3 N3 N3 N3 N Y

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Charge Code UF UI VA VAC VAF WF WI 1

Finance Charge Name Underwriting Fee Unemployment Insurance Premium VA Funding Fee VA Funding Fee (Cash) VA Funding Fee (Financed) Warehouse Fee Wire Fee Yield Spread Premium

Finance Charge Y N Y Y Y Y Y N
2

Citation Reg. Z 1026.4(b)(2) Reg. Z 1026.4(d)(2) Reg. Z 1026.4(b)(5) Reg. Z 1026.4(b)(5) Reg. Z 1026.4(b)(5) Reg. Z 1026.4(b)(2) Reg. Z 1026.4(b)(2) Reg. Z 1026.4

GFE Category & Default Block Origination; Block 1 N/A Lender Required; Block 3 Lender Required; Block 3 Lender Required; Block 3 Origination; Block 1 Origination; Block 1 Rate Credit or Charge; Block 2

May be excluded from the Finance Charge if the following conditions are met: (i) The insurance coverage is not required by the creditor, and this fact is disclosed in writing; (ii) The premium for the initial term of insurance coverage is disclosed. If the term of insurance is less than the term of the transaction, the term of insurance also shall be disclosed. The premium may be disclosed on a unitcost basis only in open-end credit transactions, closed-end credit transactions by mail or telephone under 1026.17(g), and certain closed-end credit transactions involving an insurance plan that limits the total amount of indebtedness subject to coverage; (iii) The consumer signs or initials an affirmative written request for the insurance after receiving the disclosures specified in this paragraph. Any consumer in the transaction may sign or initial the request. May be excluded from the Finance Charge if the following conditions are met: (i) The insurance coverage may be obtained from a person of the consumer's choice, and this fact is disclosed; (ii) If the coverage is obtained from or through the creditor, the premium for the initial term of insurance coverage shall be disclosed. If the term of insurance is less than the term of the transaction, the term of insurance shall also be disclosed. The premium may be disclosed on a unit-cost basis only in open-end credit transactions, closed-end credit transactions by mail or telephone under 1026.17(g), and certain closed-end credit transactions involving an insurance plan that limits the total amount of indebtedness subject to coverage. Real-Estate Related Fees in a transaction secured by real property or in a residential mortgage transaction are excluded from Finance Charge, if the fees are bona fide and reasonable in amount. Not a Finance Charge when charged to all applicants. Not a Finance Charge if paid to a government entity.

3 4 5 6

Not a Finance Charge if relating to the value or condition of the property; Is a Finance Charge if fee is for the staged disbursement of construction loan proceeds (See Official Staff Commentary 1026.4(a)-1(ii)(A)). Is a Finance Charge if charged by a third party that conducts the loan closing; Not a Finance Charge if relating to title review and/or preparing loan-related documents. Flood Determination Fee (Basic) is not a Finance Charge (See Reg. Z 1026.4(c)(7)(iv)); Flood Determination Fee (Life of Loan) is a Finance Charge (See Official Staff Commentary 1026.4(c)(7)-3).

7 8

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