QM / HOEPA** / TRID APR / Finance Charges GSE***

Fees Listed on CD 2nd/Second Mortgage Fee Abandonment (of Homestead) Abstract or Title Search

Accommodation Fee Additional Checks Additional Work Charge 2nd Processing

Admin/Courier/Fax/Copy Fee Administration Fee

Affidavits Agency Fee (FHA) ALTA x.x Amortization Schedule Fee Annual Assessments

Annual Fee Application Fee Appraisal Desk Review Appraisal Fee Appraisal Field Review Appraisal Management Fee Appraisal Review Archiving Fee Assessment Search Fee Assignment Recording Fee Assumption Fee

Attorney's Fees Automated Underwriting Automated Valuation Model (AVM) Bankruptcy Service Fee Broker Admin Fee Broker Appraisal (BPO) Broker Compensation Broker Processing Fee Building Permit Buydown Paid by Borrower Cancel Existing Loan Fee

Capital Contribution to HOA CEMA

Certificate of Release Certified Copies to Registry CES/Closed End Second Check Processing Fee City Property Taxes City/County Tax/Stamps

CLO

Effective on Applications Dated on and After October 3, 2015

^SSPL NO NO YES

NO NO NO

YES NO

YES NO YES YES NO

NO NO NO NO NO NO NO NO YES NO NO

YES NO NO NO NO NO NO NO NO NO NO

NO NO

NO YES NO NO NO NO

NO

Creditor A A A

A A A

A A

A A A A A

A A A A A A A A A A A

A A A A A A A A A A A

N/A A

A A A A A A

A

TRID

APR / Finance Charges

QM / HOEPA** / GSE***

If Paid To/Use Section:

Third Party

Not

Third Party &

Shoppable Shoppable

B

C

B

C

B

C

Govt N/A E N/A

If Paid To:

Lender /Broker /Affiliate YES NO NO

Title/Closing YES NO NO

Govt Other

APR / Finance Charge Comments

YES YES

NO NO

NO NO Title Fee

Include In Test

QM / HOEPA** / GSE*** YES NO* NO*

QM / HOEPA Comments

B

C

E

YES

B

C

E

YES

B

C

E

YES

B

C

N/A

YES

B

C

N/A

YES

B

C

E

YES

B

C

N/A

YES

B

C

N/A

NO

B

C

E

YES

B

C

E

NO

B

C

E

YES

B

C

N/A

YES

B

C

N/A

YES

B

C

N/A

NO

B

C

N/A

YES

B

C

N/A

YES

B

C

N/A

YES

B

C

E

YES

B

C

N/A

NO

B

C

E

YES

B

C

E

YES

B

C

N/A

YES

B

C

N/A

YES

B

C

E

YES

B

C

E

NO

B

C

N/A

YES

B

C

N/A

YES

N/A

N/A

N/A

YES

B

C

N/A

YES

B

C

E

NO

B

C

N/A

YES

B

C

N/A

YES

H

N/A

N/A

YES

B

C

E

YES

B

C

E

YES

B

C

N/A

NO

B

C

N/A

YES

B

C

E

YES

B

C

E

NO

B

C

E

NO

B

C

E

YES

YES YES YES

YES YES

YES YES NO YES NO

YES YES YES NO YES NO YES YES NO YES YES

YES YES YES NO YES YES YES YES NO YES YES

YES YES

YES NO YES YES NO NO

YES

Refer to QM / HOEPA

NO YES Not a finance charge if paid to a government entity

Comments

Do not include if this is NOT a finance charge

YES YES

YES

YES YES

YES

Same as Overnight Fees, Express Mail Fees, Delivery

YES YES Fee etc

YES

YES YES

YES

Not a finance charge if for Affidavit recording (paid to Refer to QM / HOEPA

NO YES Govt entity) or for document preparation

Comments

Do not include if this is NOT a finance charge

YES YES

NO*

NO NO Title Fee

NO*

YES YES

YES

NO NO Taxes

NO*

For HELOCs - not a finance charge unless based on

YES YES usage. For CE - Always a Finance Charge

YES

YES YES

YES

YES NO Not a finance charge if paid to an appraiser

NO*

NO NO

NO*

YES NO Not a finance charge if paid to an appraiser

NO*

NO NO

NO*

YES NO Not a finance charge if paid to an appraiser

NO*

YES YES

YES

NO NO Title Fee

NO*

YES YES

YES

YES YES

YES

Can be excluded from the APR if it is for the

YES YES borrower's personal representation

NO*

YES YES

YES

YES YES

NO*

NO NO

NO*

YES YES

YES

YES YES

NO*

YES YES

YES

YES YES

YES

NO NO

NO*

YES YES

YES

YES YES

YES

Refer to QM / HOEPA

YES NO Not a finance charge if paid to HOA

Comments

Do not include if this is NOT a finance charge

YES YES

NO*

Not a finance charge if paid by someone other than

Refer to QM / HOEPA

NO YES the borrower

Comments

Do not include if this is NOT a finance charge

NO NO Title Fee

NO*

YES YES

YES

YES YES

YES

NO NO

NO

NO NO

NO

Not a finance charge if paid to a Government entity for Refer to QM / HOEPA

NO YES recording

Comments

Do not include if this is NOT a finance charge

This is not an all inclusive list. This document is intented for informational purposes only and not for the purpose of providing legal advice.

REVISED 8/10/2016

Effective on Applications Dated on and After October 3, 2015

Fees Listed on CD Closing Fee Closing Letter

^SSPL YES YES

Closing Protection Letter

YES

Closing Protection Premium

YES

Closing Service Letter

YES

Combo Fee

NO

Commitment Fee

NO

Compliance Cert/Reg Copy

NO

CON/MOD

NO

Concurrent Junior Mortgage Escrow Fee

YES

Condo PUD Approval Fee

NO

Condo Questionnaire Fee

NO

Conservation Fee

NO

Construction Admin Fee

NO

Contingency Fee

NO

Copy or Fax Fee

NO

Cost to Broker

NO

County Property Taxes

NO

County Surcharge Fee

NO

County Taxes

NO

Courier Fee

YES

Credit Report

NO

Customer Identification Program (CIP)/US Patriot

Act Search

NO

Deed of Trust (DOT) Release

NO

Deed Prep Fee

YES

Demand Fee

NO

Desktop Underwriter Fee

NO

Digital Docs

YES

Disbursement Fee

YES

Discharge of Mortgage

NO

Discount Fee / Discount Points

NO

Doc Imaging

NO

Doc Service Fee

YES

Docufile

NO

Document Certification

NO

Document Fee

YES

Document Fee (Email or Processing)

YES

Document Handling Fee

YES

Document Maintenance Fee

NO

Document Preparation

YES

Creditor A A

A A A A A A

A A A A

A A A A A A A A

A A

A

A A A A A A

A

A A A A A

A A A A

N/A

TRID

APR / Finance Charges

QM / HOEPA** / GSE***

If Paid To/Use Section:

Third Party

Not

Third Party &

Shoppable Shoppable

B

C

B

C

Govt N/A N/A

If Paid To:

Lender /Broker /Affiliate YES YES

Title/Closing YES YES

Govt Other

APR / Finance Charge Comments

YES YES Same as Settlement or Escrow or Attorney

YES YES

Include In Test

QM / HOEPA** / GSE*** NO* NO*

QM / HOEPA Comments

Not a finance charge if the title insurer is required by

the state to issue the CPL (AL, AR, DC, DE, GA, ID,

B

C

N/A

YES

YES

YES YES IL, LA, MO, MS, NJ, NC, OH, PA, SC, TN, UT & VA)

NO*

B

C

N/A

NO

NO

NO NO Title Fee

NO*

B

C

N/A

YES

YES

YES YES

NO*

B

C

E

YES

YES

YES YES

YES

B

C

N/A

YES

YES

YES YES

YES

B

C

E

YES

YES

YES YES

YES

Refer to QM / HOEPA

B

C

E

YES

YES

YES NO Not a finance charge if paid to HOA

Comments

Do not include if this is NOT a finance charge

B

C

E

YES

YES

YES YES

YES

B

C

N/A

YES

YES

YES YES

NO*

B

C

N/A

YES

YES

YES YES

NO*

Not a finance charge if required by the state to be

B

C

E

YES

YES

YES YES charged to the borrower

NO*

B

C

E

YES

YES

YES YES

YES

B

C

E

NO

NO

NO NO

NO*

B

C

E

YES

YES

YES YES

YES

B

C

N/A

YES

YES

YES YES

YES

B

C

E

NO

NO

NO NO

NO

B

C

E

NO

NO

NO NO

NO

B

C

E

NO

NO

NO NO

NO

Same as Overnight Fees, Express Mail Fees, Delivery

B

C

E

YES

YES

YES YES Fee etc

YES

B

C

N/A

NO

NO

NO NO

NO*

B

C

E

YES

YES

YES YES

YES

Refer to QM / HOEPA

B

C

E

YES

YES

NO YES Not a finance charge if paid to a government entity

Comments

Do not include if this is NOT a finance charge

B

C

E

NO

NO

NO NO

NO*

B

C

E

YES

YES

YES YES Not a finance charge if for payoff of old loan

YES

B

C

N/A

YES

YES

YES YES

YES

B

C

E

YES

YES

YES YES

YES

B

C

E

YES

YES

YES YES

YES

Refer to QM / HOEPA

B

C

E

YES

YES

NO YES Not a finance charge if paid to a Government entity

Comments

Do not include if this is NOT a finance charge

Up to 2 bona fide discount points can be exluded provided the

Refer to QM / HOEPA loan meets certain requirements. Refer to the FAMC Discount

B

C

N/A

YES

YES

YES YES

comments

Points Policy for detailed requirements.

B

C

E

YES

YES

YES YES

YES

B

C

E

YES

YES

YES YES

YES

B

C

E

YES

YES

YES YES

YES

B

C

E

YES

YES

YES YES

YES

Not a finance charge if for Doc Preparation, and if

Refer to QM / HOEPA

B

C

E

YES

YES

YES YES bona fide and reasonable in amount

Comments

Do not include if this is NOT a finance charge

B

C

E

YES

YES

YES YES

YES

B

C

E

YES

YES

YES YES

YES

B

C

E

YES

YES

YES YES

YES

Not a finance charge if for Doc Preparation, and if

Refer to QM / HOEPA If determined to be a finance charge, fee is included in

B

C

E

NO

NO

NO NO bona fide and reasonable in amount

Comments

QM/HOEPA and GSE tests.

This is not an all inclusive list. This document is intented for informational purposes only and not for the purpose of providing legal advice.

REVISED 8/10/2016

Fees Listed on CD Document Preparation (Lender) Document Preparation (Texas) Document Processing Document Retrieval Document Review Document Signing Fee DocuServe Draw Fee

Draw Fee (Document Preparation) DU/LP Fee Duplicate Tax Bill Early Issue Fee E-doc Fee Electronic Doc Delivery Fee Electronic Recording Fee Endorsements Environmental Protection Lien Equity Set Up Fee Escrow Accounting Fee Escrow Fee Escrow Hold Back Admin Fee Escrow Hold Back Inspection Fee Escrow Sales Tax Escrow Waiver Fee Estoppel Fee Express Mail Fee Expressline Processing Fee Extra Check Charge Fax Fee FHA 203K Termite Fee FHA 203K Title Update Fee FHA MIP FHA MIP Impounds FHLMC REO Delivery Fee File Maintenance Filing Fee Final Appraisal/Inspection Fee (post-closing) Final Title Update Finance Charges

Flood Fee (if cert is not LOL)

Flood Fee (if cert is LOL)

Flood Insurance Services

Flood Report Fee Flood/Hazard Insurance Premiums Florida Form 9 Funding Fee Funding Fee (Lender)

Effective on Applications Dated on and After October 3, 2015

^SSPL NO YES YES NO YES NO NO NO

YES NO NO NO YES YES YES YES YES NO YES YES YES NO NO NO YES YES YES NO NO NO NO NO NO NO NO YES NO YES NO

NO

NO

NO

NO NO YES NO NO

Creditor A A A A A A A A

A A A A A A A A A A A A A A A A A A A A A A A A N/A A A A A A A

A

A

A

A N/A A A A

TRID

APR / Finance Charges

QM / HOEPA** / GSE***

If Paid To/Use Section:

Third Party

Not

Third Party &

Shoppable Shoppable

N/A

N/A

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

G

N/A

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

F

N/A

B

C

B

C

N/A

N/A

Govt N/A E E E E E E E

E N/A

E E E E E N/A N/A E E E E E E E N/A E E E E N/A N/A N/A N/A N/A E E N/A N/A N/A

E

E

N/A

N/A N/A N/A

E N/A

If Paid To:

Lender /Broker /Affiliate YES YES YES YES YES YES YES YES

YES YES YES NO YES YES YES NO NO YES YES YES YES NO YES YES NO YES YES YES YES YES YES YES YES YES YES YES YES NO YES

NO

YES

YES

YES NO NO YES YES

Title/Closing YES YES YES YES YES YES YES YES

YES YES YES NO YES YES YES NO NO YES YES YES YES NO YES YES NO YES YES YES YES YES YES YES YES YES YES YES YES NO YES

NO

YES

YES

YES NO NO YES YES

Govt Other

APR / Finance Charge Comments

YES YES

YES YES

YES YES

YES YES

YES YES

YES YES

YES YES

YES YES HELOC fee to draw

Not a finance charge if for Doc Preparation, and if

YES YES bona fide and reasonable in amount

YES YES

YES YES

NO NO Insurance Premium

YES YES

YES YES

YES YES

NO NO Title Fee

NO NO Title Fee

YES YES

YES YES

YES YES Same as Settlement or Closing

YES YES

NO NO

YES YES

YES YES

NO NO Title Fee

YES YES For overnight delivery, shipping and handling

YES YES

YES YES

YES YES

YES YES Not a finance charge if done prior to closing

YES YES Not a finance charge if done prior to closing

YES YES

YES YES

YES YES

YES YES

YES YES

YES YES

NO NO Title Fee

YES YES

Not a finance charge if for upfront flood determination

NO NO only

Finance charge if part of fee is for life of loan

YES YES monitoring

Not a finance charge if for insurance of upfront flood

YES YES determination

Not a finance charge if for insurance of upfront flood

YES YES determination

NO NO

NO NO Title Fee

YES YES

YES YES

Include In Test

QM / HOEPA** / GSE*** YES NO* YES YES YES YES YES N/A

N/A YES NO* NO* YES YES YES NO* NO* YES YES NO* YES NO* YES YES NO* YES NO* YES YES NO* NO* NO NO NO* YES YES NO* NO* YES

NO*

NO*

NO*

NO* NO* NO* YES YES

This is not an all inclusive list. This document is intented for informational purposes only and not for the purpose of providing legal advice.

REVISED 8/10/2016

QM / HOEPA Comments

Effective on Applications Dated on and After October 3, 2015

Fees Listed on CD

GA Residential Mortgage Fee Gap Risk Fee Government Service Fee H.O.M.E. to Commonwealth Title

Hand Recording Handling Fee Hazard Insurance Hazard Insurance Premium HELOC Fee HOA Dues HOA Certification Letter HOA Miscellaneous (excluding dues) Home Warranty (lender required) Home Warranty (optional) HomeReady Education Course Fee Imaging Fee

Inspection Fee (lender required) Inspection Fee (optional) Intangible Tax Interest Investor Fee ITI Agent Registration Fee Judgment Fee Judgment Search Jumbo Pool Fee Junior Loan Policy L109 PIRT LARA Analysis LARA Escalation Legal & Vesting Lender Direct Fee Lender Fee Lender's Coverage

Lenders Inspection Fee Lien Finance Report Lien Protection Insurance Lien Search Limited Realty Report Line Entry Fee Loan Discount Loan Fee Loan Originator Compensation - Lender Paid

Loan Originator Compensation - Borrower Paid Loan Origination Fee Loan Package Fee Loan Package Preparation Fee

^SSPL

NO NO NO YES

NO NO NO NO NO NO NO NO YES NO NO NO

YES NO NO NO NO NO YES YES NO YES YES NO NO YES NO NO YES

NO YES YES YES YES NO NO NO NO*

NO NO YES YES

Creditor

A A A A

A A N/A N/A A N/A A N/A A N/A A A

A N/A A

F A A A A A A A A A A A A A

A A A A A A A A A

A A A A

TRID

APR / Finance Charges

QM / HOEPA** / GSE***

If Paid To/Use Section:

Third Party

Not

Third Party &

Shoppable Shoppable

B

C

B

C

B

C

B

C

B

C

B

C

F or G

N/A

F

N/A

B

C

H

N/A

B

C

H

N/A

B

C

H

N/A

B

C

B

C

Govt

N/A E E

N/A

E E N/A N/A E N/A N/A N/A N/A N/A E E

If Paid To:

Include In Test

Lender /Broker /Affiliate

YES YES YES YES

YES YES NO NO YES NO YES YES YES N/A NO YES

Title/Closing

YES YES YES YES

YES YES NO NO YES NO YES YES YES N/A NO YES

Govt Other

APR / Finance Charge Comments

Not a finance charge if paid to a government entity and

NO YES if fee = $10.00

YES YES

YES YES

YES YES Title Fee

NO YES Not a finance charge if paid to a government entity YES YES NO NO NO NO YES YES NO NO YES YES YES YES YES YES N/A N/A NO NO FNMA HomeReady YES YES

QM / HOEPA** / GSE***

Refer to QM / HOEPA comments YES YES NO*

Refer to QM / HOEPA comments YES NO* NO* YES NO NO* NO* YES N/A NO YES

QM / HOEPA Comments Do not include if this is NOT a finance charge

Do not include if this is NOT a finance charge

Not a finance charge if for an inspection of the

B

C

N/A

YES

YES

YES YES property, and the service if performed before closing

NO*

H

N/A

N/A

N/A

N/A

N/A N/A

N/A

B

C

E

NO

NO

NO NO

NO

N/A

N/A

N/A

YES

YES

YES YES

NO

B

C

E

YES

YES

YES YES

YES

B

C

E

YES

YES

YES YES

YES

B

C

N/A

NO

NO

NO NO Title Fee

NO*

B

C

N/A

NO

NO

NO NO Title Fee

NO*

B

C

E

YES

YES

YES YES

YES

B

C

N/A

NO

NO

NO NO Title Fee

NO*

B

C

N/A

NO

NO

NO NO Title Fee

NO*

B

C

E

YES

YES

YES YES

YES

B

C

E

YES

YES

YES YES

YES

B

C

N/A

NO

NO

NO NO Title Fee

NO*

B

C

E

YES

YES

YES YES

YES

B

C

N/A

YES

YES

YES YES

YES

B

C

N/A

NO

NO

NO NO Title Fee

NO*

Not a finance charge if for an inspection of the

B

C

N/A

YES

YES

YES YES property, and the service if performed before closing

YES

B

C

N/A

NO

NO

NO NO Title Fee

NO*

B

C

N/A

NO

NO

NO NO Title Fee

NO*

B

C

N/A

NO

NO

NO NO Title Fee

NO*

B

C

N/A

NO

NO

NO NO Title Fee

NO*

B

C

E

YES

YES

YES YES

YES

B

C

N/A

YES

YES

YES YES

YES

B

C

N/A

YES

YES

YES YES

YES

B

C

N/A

NO

N/A

N/A N/A

YES

This is generally refelcted as origination charge items

B

C

N/A See Comments

N/A

N/A N/A which are included in finance charges.

YES

B

C

N/A

YES

YES

YES YES

YES

B

C

E

YES

YES

YES YES

YES

B

C

E

YES

YES

YES YES

YES

This is not an all inclusive list. This document is intented for informational purposes only and not for the purpose of providing legal advice.

REVISED 8/10/2016

Fees Listed on CD Loan Review Fee Loan Review Fee (Lender) Loan Services (Lender) Loan Tie-In Fee Lock In Fee Master Service Administration Fee MCC Application Fee MCC Fee to Agency MCC Fee to Lender Mechanical Lien MERS Fee

Messenger Fee Miscellaneous Lender/Broker Fees

Mortgage Certification Fee

Mortgage Fee Mortgage Insurance Application Fee Mortgage Insurance Impounds

Mortgage Insurance Premium

Mortgage Insurance Service Mortgage Registration Tax

Mortgage Tax to Title

MRB Compliance Fee MRB Funding Fee Municipal Lien Certificate Name Search Nav Serv NCHFA Processing Fee

NOC Recording Notary (Mobile)

Notary/Signing

Notary and Signing Notary Fees

Effective on Applications Dated on and After October 3, 2015

^SSPL YES NO NO YES NO NO NO NO NO YES NO

YES NO

NO

NO NO NO

NO NO NO

NO

NO NO YES YES YES NO

NO YES

YES

YES YES

Creditor A A A A A A A A A A A

A A

A A A N/A

TRID

APR / Finance Charges

QM / HOEPA** / GSE***

If Paid To/Use Section:

Third Party

Not

Third Party &

Shoppable Shoppable

B

C

N/A

N/A

N/A

N/A

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

B

C

G

N/A

Govt E N/A N/A E N/A E E E E N/A E

E N/A

E E N/A N/A

If Paid To:

Lender /Broker /Affiliate YES YES YES YES YES YES YES YES YES NO YES

YES YES

YES YES YES YES

Title/Closing YES YES YES YES YES YES YES YES YES NO YES

YES YES

YES YES YES YES

Govt Other

APR / Finance Charge Comments

YES YES

YES YES

YES YES

YES YES

YES YES

YES YES

YES YES

YES YES

YES YES

NO NO Title Fee

YES YES

Same as Overnight Fees, Express Mail Fees, Delivery

YES YES Fee etc

YES YES

Not a finance charge if paid to a Government entity for

recording. If anything is charged above what the

NO YES county requires, it is a finance charge

YES YES

YES YES

YES YES

Include In Test

QM / HOEPA** / GSE*** YES YES YES YES YES YES YES NO* YES NO* YES

QM / HOEPA Comments

YES YES

Refer to QM / HOEPA comments YES YES NO

Do not include if this is NOT a finance charge

N/A

B

N/A

N/A

YES

YES

YES YES

A

B

C

N/A

YES

YES

YES YES

A

B

C

E

NO

NO

NO NO

Exclude federal or state government-sponsored MIPs.

Private mortgage insurance (PMI) premiums: Exclude monthly or annual PMI premiums. You may also exclude up-front PMI premiums if the premium is refundable on a prorated basis. However, even if the premium is excludable, you must include any portion that exceeds the up-front MIP for FHA loans.

Refer to QM / HOEPA comments YES NO

FAMC reserves the right to determine if the MI product refundability meets the requirement.

Not a finance charge if paid to a Government entity for

recording. If the tax is imposed on the Lender and

Refer to QM / HOEPA

A

B

C

E

YES

YES

NO YES passed to the borrower, it is a finance charge.

comments

Do not include if this is NOT a finance charge

A

B

C

N/A

YES

YES

YES YES

YES

A

B

C

N/A

YES

YES

YES YES

YES

A

B

C

N/A

NO

NO

NO NO Title Fee

NO*

A

B

C

N/A

NO

NO

NO NO Title Fee

NO*

A

B

C

N/A

NO

NO

NO NO Title Fee

NO*

A

B

C

N/A

YES

YES

YES YES

NO*

Refer to QM / HOEPA

A

B

C

E

YES

YES

NO YES Not a finance charge if paid to a Government entity

comments

Do not include if this is NOT a finance charge

A

B

C

E

YES

YES

YES YES Only if Mobile Notary

NO*

The notary fee is not a finance charge, but the signing

fee is. If lumped together, then the total is a finance

A

B

C

E

YES

YES

YES YES charge

NO*

Do not include if this is NOT a finance charge

The notary fee is not a finance charge, but the signing

fee is. If lumped together, then the total is a finance

A

B

C

E

YES

YES

YES YES charge

NO*

Do not include if this is NOT a finance charge

A

B

C

E

NO

NO

NO NO

NO*

This is not an all inclusive list. This document is intented for informational purposes only and not for the purpose of providing legal advice.

REVISED 8/10/2016

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