PREDATORY LENDING INTERVIEW Please read and complete the following interview, attaching copies of any of the documents

requested Truth-In-Lending Act (TILA) The purpose of the Truth-In-Lending Act (TILA) is to standardize the way credit is disclosed to consumers. TILA is a remedial legislation, designed for consumers to correct lender errors after the transaction is consummated. The penalties for lenders violating TILA can be significant, including rescission of the loan transaction. Yes No 1. Is the property subject to the loan your principal dwelling? 2. Has it been three (3) years since the loans closing date? 3. Was the loan used to purchase or build the property? 4. Was a mortgage broker fee charged in connection with the loan? a. If Yes state the amount here (if known): $___________ 5. Have you attached copies the following documents? a. HUD-1 Settlement Statement b. TILA Statement c. Credit report provided to you at closing d. Invoice(s) for appraisal, courier or credit report e. Cancelled checks for monies paid at closing Home Ownership and Equity Protection Act (HOEPA) The Home Ownership and Equity Protection Act (HOEPA) is an amendment to TILA that delineates stringent guidelines regarding certain high cost refinance loans. Where a loan is subject to HOEPA, the lender must provide specific notices to the borrower three (3) or more days before closing. Violations of HOEPA may entitle the borrower to both rescission and monetary damages. Yes No 1. Is the property subject to the loan your principal dwelling? 2. Has it been three (3) years since the loans closing date? 3. Was the loan used to purchase or build the property? a. If No did you refinance with a new lender? i. If No did you take cash-out of the property? 4. Does your loan contain (if known): a. Balloon payment? b. Negative amortization? c. Advance payments? d. Rebates? e. Prepayment penalty? f. An increase in interest rates after default? 5. Have you attached copies of the following documents? a. HUD-1 Settlement Statement b. HOEPA or other disclosures provided by your lender

Right to Rescind Under TILA, every borrower is required to be provided with a accurate notice of the borrowers right to rescind the transaction within three (3) days after the closing. Should a borrower fail to provide this notice, the borrower may be entitled to rescind the transaction up to three (3) years later. Yes No 1. Is the property subject to the loan your principal dwelling? 2. Has it been three (3) years since the loans closing date? 3. Was the loan used to purchase or build the property? a. If No did you refinance with a new lender? i. If No did you take cash-out of the property? 4. Were you provided with a Notice of Right to Cancel ? a. If Yes were you provided with two (2) copies? b. If Yes have you attached a copy? Real Estate Settlement Procedures Act (RESPA) The Real Estate Settlement Procedures Act (RESPA) was designed to help consumers shop for settlement services (e.g., broker and title companies) and eliminate excess fees from the process. Violations of RESPA may entitle a borrower to damages for both actual losses and statutory damages provided for under the Act. Yes No 1. Is the property a residential property? 2. Is the property vacant land? 3. Were you provided with a Good Faith Estimate (GFE) ? a. If Yes when? (specify) _________________________ 4. Do you have a variable rate loan? a. Where you provided with a CHARM booklet? 5. Have you submitted a Qualified Written Request? a. If Yes when? (specify) _________________________ b. If Yes did you receive a response? 6. Were you required to use a particular title insurance company? a. If Yes what was your closing date? ______________ 7. Were you provided a notice regarding servicing? 8. Have you attached copies of the following documents? a. Purchase contract b. HUD-1 Settlement Statement c. Good Faith Estimate d. Qualified Written Request