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(  (   (   (        P         " 8    &     (       8   (  8  8 5 (@@ 5 (@ 6 (@ 6 ( 6 ,@ 6 , 5 (`@ 5 (` 7 (@ 7 ( 7 ,@@ 7 ,@ 7 ,@ 7 , 5 ( 4 ( 4 (` 4 ( 4 (` 4 (` 4 (` 4 (``  #hPg.7 0Pg.8 Pg.9 Pg.10 a;Pg.11 J  ! ;-   ; 3  ; 6  ; 6  ;+  ;2   ;8  ;5  ;6  ;;   ;;   ;6   ;58 `(  :  ;3  @@ |athrough:_________________________________ (month and year of final report) as reported on Page 5.iGive the number of applications taken on loans made from:___________________ through ____________________7(month and year of final report) as reported on page 5.@ Use Whole Dollar Amounts; (As set forth in N.J.A.C.3:15-5.3) <Net Worth Requirement (See Below)..........................:Total Deductions.......................................& & & HRequirement..........................................................& & ."Annual Report for Licensed Lenders NameLicensed Name: Prepared by:Telephone Number:1.$2.3.4.5.6.7.8.9.10.11.12.13.Statement of Capital Additions: Deductions:Total*(If more space is needed, use attachments)_List all officers and directors, and also, any holders of 10% or more of this entity's stock:No. of"Title (for officers and directors)SharesSchedule of Insurance PurveyorsSchedule1 - Insurance1. Credit Life Insurance:2. Disability Insurance:3. Property Insurance:Surety Bond Level DeterminationCurrent Surety Bond Coverage:Name of Bonding Company:Address of Bonding Company:Date Premium Paid Through:DETERMINING COVERAGE REQUIRED:1) Number of Authorities:2) Closed Loan Volume:3) Bond Amount Required:RequiredNumberLess:GAssets Pledged to Secure Obligations...................................IAssets Due from Parents or Affiliates....................................KMarket Adjustment to Securities............................................PInvestments in Subsidiaries.....................................................NGoodwill and Other Intangibles................................................GValue of Servicing Contracts (N.J. Loans)..............................XOther Deductions........................................................................,Amount of Net Worth Greater Than (Less Than))Net Worth Requirement for Line 12 above: Net Worth License TypeMortgage Banker.Correspondent (non-servicing) Mortgage Banker Mortgage Broker#Annual Report for Licensed Lenders $Summary of Licensed Lending Activity7(If yes, then complete 1, 2, or 3 below, as applicable)Insurance Company Name:Insurance Company Address:FromTo Loan Rates%Points (Percent)Credit Report FeeCommitment Fee Warehouse Fee Lock-in-Fee Recording FeeTax Service FeeAttorney's Review FeeFlood Certification Fee Courier FeeWire Transfer FeeBond Amount Required Amount of Coverage:QNumber of applications taken (including closed loans, denials, withdrawals, etc.)_Please respond to the following questions based on the method of how you conduct your appraisalGaffairs. The questions are to be based on the following criteria ONLY: frequently used:P Single Family; Primary Residence; Conforming Conventional Loans c2. If you check (b) or (c) above, please provide the name(s) and address(es) of the two firms mostBond Amount Required:> Bond Amount Required*Number of Applications Taken:Title Insurance Premiums Filing FeesPest InfestationSurveys Notary FeesFire Insurance Premiums`Note: If range is used in determining a fee, please use the average of the range of normal fees.TExample: Appraisal fee charges between $200.00 - $300.00, use the average of $250.00Tax Payment ServicesFlood DeterminationsAppraisal Fees/Fees for Inspections performed prior to closingFlood Insurance PremiumsMIP and PMI Premiums+Seller's points or Seller Pain Closing Cost4Single Family, Primary Residence, Conventional Loans<Market Adjustment to Repossessed Assets....................& %All Licensees Must Complete this PagePolicy Number: Amount of Coverage:h1. Which of the following methods are employed in obtaining a real property appraisal for a residentialP.O. Box 040, Trenton, NJ 08625 Reference No. Licensed NameLicensed Address (include city, state, zip)mCorporation_____ Partnership_____ Proprietorship_____ Limited Liability Co._____ Limited Partnership_____Secondary Mortgage LenderConsumer LenderLending Authority(ies) Yes No!Individual preparing this report:8true and correct to the best of my knowledge and belief.&Signature of Officer, Partner or Owner State of - not an officer or director of this entity.-County of _____________________:ss: Sworn andCorrespondent Mortgage Banker;Notary Public. My commission expires______ ______ ______ ӣƵ. Department of Banking & Insurance! (20 West State Street). Annual Report for Licensed Lenders Certification2Name (please type or print) Title" Telephone No. (include area code)UI, ________________________________________, _________________________________ of the2 Name, Title. (month) (day) (year) Date%____________________________________, Telephone No:oA) Does your company have a policy or procedure to determine whether loans it closes exceed the high-cost loanK1. What percentage of your mortgages was received from brokers? _________%& Yield Spread Premiums ___________%, Discount Points ___________%* Annual Report for Licensed LendersW a)_______________________________________________________________________________W b)_______________________________________________________________________________ Fees and Third Party Charges9Total FHA and VA loans (include purchases and refinances)p1. Does your company offer "Sub-Prime Loans" (i.e., A-, B, B-, C, etc.) ? YES __________ NO _________]If you have authority to operate as either a Mortgage Banker, Correspondent Mortgage Banker .\FHA Fees01. How many loans did you broker? _____________Y4. What percentage of your broker compensation was received in the following categories??5. How many manufactured home loans did you broker?__________%V6. How many loans did you broker where the primary use was for home repair?_________%eTotal Number of all mortgage applications taken (including closed loans, denials, withdrawals, etc.)*Type of business organization (check one):Sales Finance Companyf subscribed before me this _____________ day of ___________________, ________. I certify that I amjabove named entity hereby ceritfy that the information contained in the attached report and supplements is|2. If you answered "YES" on question 1, what percentage does this represent based on your total loan volume? ___________ %JIf you reported only one authority above and have a closed loan volume of:5i. $0 - $50,000,000 - your required bond amount is>ii. $50,000,001 - $75,000,000 - your required bond amount is?iii. $75,000,001 - $100,000,000 - your required bond amount is9iv. $100,000,001 and over - your required bond amount isGIf you reported two authorities above and have a closed loan volume of:>iii. $75,000,001 - $100,000,000 - your required bond amount is1THIS PAGE IS TO BE COMPLETED BY MORTGAGE BROKERS 0 ]Please complete the schedules using only the following criteria to select the loans included:2Borrowers Attorney's fee-Purchase Money Loans OnlyClosing Inspection FeeFlood Insurance FeeRadon Test Fee"VA Funding Fee (VA Mortgages Only)) triggers? Yes______ No______. pB) Does this policy or procedure apply to loans it closes in which a broker is involved? Yes______ No______.mC) Does your company use an automated system or a vendor system for determining interest rates or fees fo< r Y2. How many loans did you broker to State Chartered Banks or Licensed Lenders?__________ (day)fThis page is to be completed by Mortgage Bankers, Correspondent Mortgage Bankers, and Mortgage Brokers9 POLICIES AND PROCEDURES) NJ Department of Banking & Insurance) Annual Report for Licensed Lenders$Number& & ..& & ..& & & & & & .& & & & & & .& & & & & & & .2High-Cost Home Loans Dollar Volume& ...& & ...& & & & & & & ;No. high-cost because of points and fees only& ...& & ...& & & & .;No. high-cost because of points and fees only& & ..& .& ...& & ..(Total Number.& ....& & ..& & & & & & & & & & & & & & & & & .2Total number conventional loans - Purchase Money .Total number conventional loans - Refinances A If the answer is "yes", what fee is the borrower charged to:? a) perform an internal appraisal $ _______________= b) use an independent appraiser $ _______________S c) use the services of an appraisal management company $_______________:No. high-cost because of interest rate only& ..& & & ...& .& & & .? No. high-cost because of interest rate and points and fees& & ...'.*8No. high-cost because of interest rate only& & & ..& & & & .& & .GNo. high-cost because of interest rate and points and fees.............'.*.'Amount& .& ...& ..& & & & & & & & & & & & & & & & & & & & & & & .B purposes of compliance with NJHOSA? Yes______ No______. _ No______. Brokered to you? Yes______ No______. Brokered by you? Yes______ No______.B3. List the servicers that service your loans (name and address):e4. Did you broker loans to other Lenders? Yes______ No______. If the answer is yes, then completeSVP2. What percentage of your loans were serviced by an outside servicer?________%7(use a separate schedule if additional space is needed)3 This page and the below pages to be completed:$ Pages 1 through 6G4. Is the borrower charged an appraisal fee? Yes_______ No_______(/'s3. Is the borrower charged an application fee? Yes_______ No_______. If yes, what is the fee? $___________(/'$NJ Department of Banking & Insurance9Prepared by:_____________________________________________:Telephone No. (______)____________________________________Assets$Liabilities and Stockholders' EquityStockholders' EquityNotes payable& & & & & & & & & & & & & ..4Allowance for foreclosure losses on loans serviced& .Deferred revenue& & & & & & & & & & & & .5Credit facilities on mortgage loans held for sale& & ..Revenues Gain on sale of mortgage-based !Unrealized gain on mortgage-based#Impairment (provision) recovery of Expenses%Cash and cash equivalents& & .& & & & & & & & ..Cash and cash equivalents - restricted& & & ...& & (Mortgage loans held for sale& & & & ..& & & & & ..Mortgage backed securities held for sale& & & .& .'Mortgage servicing rights& & & & ..& & & .& & & .*Derivative financial instruments& & .& & & & & & .'Loans held for investment& & & & & & & ...& & & .!Accounts receivable& & & & & & & & & & & & & .(Accrued interest receivable& & & ..& & & & & & ..$Due from affiliates& & & & & & ...& & & & & & & .!Other assets (1)& & & & ..& & & & & & & & & & .&  Total Assets& & & & & .& & & & & & & "Warehouse facility& & & & & .& & & & & & & & ..+Deriviative financial instruments& & ..& & & & & & Drafts payable& & & & .& & & & & & & & & & & ."Commercial paper& & & ..& ..& & & & & & & & ..&Accrued interest payable& & ...& .& & & & & & & +Accounts payable and accrued expenses& & .& & .&Reverse repurchase agreements& & & & .& & & & ,Collarteralized debt obligations& & & & & & ..& & ...Recourse reserve related to loans sold& & & .& & ..#Income taxes payable& & & & & .& & & & & & & ..* Total Liabilities& & & ...& & & & & & & & ..!Loans servicing fees& & .& ...& & & & & .$ mortgage servicing rights& & .& & & & .! CERTIFICATION PAGE *) & & & & & & & & & & & & & & & ...' & & & & & & & & & & & & & & & & XNotes: (1) Examples include: Reimburseable servicing advances, Capitalized software, net+Total Liabilities and Stockholders' Equity& Common Stock, par value& & .& & & & & & # Total Stockholder's Equity& & & & & & Prepaid expenses& & & & & & & & & & & & & & 'Goodwill & other intangibles& & & & & & & & & & .#Preferred stock, par value& & & & & & & & .&Additional Paid-in capital& .....& & & & & & )  Net Interest Income& & & & ........& &Net provision for losses& & ...& & ...& & & .#Interest expense& ...& & ...& ...& & & & & .!Interest income& & ..& .& ..& & .& & & & ..$ securities and derivatives& & & & & & & ' securities and derivatives& ..& & & .& & (  Net loan servicing fees& & & ...& & .($Commissions and other income& ..& & & ..Fee Income& & & & ..& & & & & & & & & $  Total Revenues& & & ...& & & & & .. )Advertising and promotion expenses& ..& ..."Professional fees& & ...& & & & ...& & & ..$Other operating expenses& ..& ...& & & & ."  Total Expenses& & & & ...& & & & & .&Earnings before income taxes& & ...& & & ..$Provision for income taxes& ...& & & & & & %  Net Earnings& & ..& ...& & & & & & .. !Net Income (loss) & & & & & & & & & & & & & & 6Total Capital at End of Period (must agree with Total'Shareholders' Equity)& & & & & & & & & & .& & & & & ..FTotal Capital at Beginning of Period..................................?Common Stock Issued............................................APreferred Stock Issued...........................................HOther Additions.........................................................<Total Additions.............................................@Cash Dividends on Stock.........................................;Partnership Withdrawals& & ..................................@Proprietor's Withdrawals..........<..............................FOther Deductions......................................................:Total Deductions..........................................% ofP LOAN SUMMARY FOR PROPERTIES LOCATED IN NEW JERSEYWhole Dollar Amounts1ALL LENDERS ARE REQUIRED TO ANSWER THE FOLLOWING:^If you have authority to operate as either a Mortgage Banker, Correspondent Mortgage Banker, .TOR a Secondary Mortgage Lender your number of authorities for this purpose is "1".!TAND a Secondary Mortgage Lender your number of authorities for this purpose is "2".!{*Note: Proof of coverage can be a copy of your most recent surety bond, continuation certificate, endorsement, or rider. I Total consumer lending activity (secured and unsecured)G Total sales financing activity (all types of loans)4 (closed and funded loans)> Total secondary mortgage lending activity 4 Total mortgage lending activity 4 (include closed & funded loans for all above) Fee AnalysisRange of Loan Rates and Points BPlease see the enclosed instructions for how to properly complete.Per Loan Avg. Amt.Yield Spread Premium&NJ Department of Banking and Insurance* NJ Department of Banking & Insurance' Appraisal AnalysisM Mortgage Bankers, Correspondent Mortgage Bankers and Mortgage Brokers-\ first mortgage loan applicant? If more than one method is used, check all that apply.9Annual Report for Licensed Lenders - Net Tangible Capital0Mortgage Banker, Correspondent Mortgage Banker, ;Mortgage Broker, Secondary Mortgage Lender, Consumer Lender Please see instructionsmDid you make any HOEPA High-Cost Loans? Yes______ No______. If the answer is no, then skip this section. Section I Section II Section IVmDid you make any NJHOSA High-Cost Loans? Yes______ No______. If the answer is no, then skip this section. HOEPA and NJHOSA High-Cost Loan Summary /"cd Total $ Volume)Fixed Rate 30 year Stand Amortizing Loans(Adjustable Rate 30 year Amortizing LoansOther Total No. of Loans VThis section is to be completed by Mortgage Bankers and Correspondent Mortgage Bankers4Mortgage Bankers who have brokered one or more loansthe Section B below. Section B Section AaDoes your company offer any of the following types of insurance? Yes No* NJ Department of Banking and Insurance: a) Appraisal completed internally?_________________F b) Appraisal completed by independent appraiser?_______________U c) Appraisal obtained through an appraisal management company? _______________/Investments in other financial instruments& & & .& $Investments in subsidaries& & & & & & & & & & Retained earnings& & & & ..& & & & & & & &Gain on sale of mortgage loans& & & & & ...+Gain on securitizations of mortgage loans..*Amortization of mortgage servicing rights&  1 of 11& Page 2 of 11& Page 3 of 11 Page 4 of 11x Page 5 of 11 Page 6 of 11 Page 7 of 11 Page 8 of 11! Page 9 of 11, Page 10 of 11 Page 11 of 11% Pages 1 through 11$ Pages 1 through 5%Balance Sheet & Statement of EarningsB (Use Whole Dollar Amounts)1Securities purchased under agreements to resell& .*Property, plant and equipment, net& & .& & & & & &Compensation and benefits expenses& & .& *Occupancy and other office expenses& ......H (Use Whole Dollar Amounts)>Complete the following pertaining to your Warehousing Line(s).W Creditor AvailableT Available Outstanding2 $ $ Total Total Number' Whole Dollar Amounts6 Total loans from $0 - $10,000 2 Total loans exceeding $10,0005 (closed and funded loans) Total Total9 Pages 1 through 5; Pages 7 through 10[3. How many loans did you broker to Federally Chartered Banks, Lenders, or Subs?__________oIf the appraisal fee is included with the application fee, please answer the following questions regarding the 3breakdown of the appraisal fee and application fee.( )$ (year) (month)bTelephone No. (_____)___________________________ Fax No. (_____)______________________________^Website__________________________________ E-Mail Address_____________________________________+ Final Report Final Report Final Report,Total Capital as of:________________________0Net Tangible Capital as of:_____________________/ Final Report"k ӣƵ mortgage lending activity from: ______________________ To:_____________________pӣƵ secondary mortgage loans made from: __________________________ To: __________________________________U ( month and year of final report)sӣƵ sales financing activity from:_____________________________ To:________________________________________ (month and year of final report)oӣƵ consumer loans made from: _____________________________ To:_________________________________________0 (month and year of final report)qThe closed loan volume is the sum of any First and/or Secondary Mortgage Loans made from:_______________________ & Final Report) Final Report@HOEPA Loans Closed and Funded in the year of your final report. @NJHOSA Loans Closed and Funded in the year of your final report.2Provide all Licensed Lender business activity from:Jan. 1st up until close of business of that calander year.From:____________________________ (Month/Year)0To: _____________________________(Month/Year)? (month) (day) (year)' Final Report2 Discontination of Licensed Business Operations (Month/Year of final report) (Month/Year of final report)+ Annual Report for Licensed LendersnPlease read the enclosed letter and instructions carefully prior to completing the Final Report. This report 'must be signed, notarized and returned. Section IIIjD) Does this system apply to loans originated by you? Yes______ No______. Purchased by you? Yes______2X [s[M[u[ ]]^`a `b: b dx e frhLijkmjoBqs vjwDyva|x. C 3W#D@`ЗNy DpD h ) ^|0m(l˳]%cc  53  dMbP?_*+%,&HzG?'Q?(?))\(?M\\PRINTKING\Bart4C odXXLetterDINU"4@,5N "TXX? ףp= ?U} q }  } U} } } q5  w w  w h h @ @     , @ @ @ , @ ;  J J@  ; ; Y@ @  @0 @ @ @ @ @ @  @FGGGGHRI JKKKL v wx7   1PI JzKKKL 1 1PI JKKKL y 1P  ! 1P "MNNNNOPgg   gg {  |  }  ;~   \] ^_______` / E       aBQQ Tx AAU bRR Vx WWX bDRR V WWX bRR V WWX bRR Vy WWX cSS Yy ZZ[ e TT@DH>FF>(&&&((V>>>>>> Y@! w@" ,# @$ @% @& ,@' ,@( ,) ,* ,+ @, @- @. @/ ,0 ,1 ,@2 ,3 @4 , !1 ! ! 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" # $  % @0& ' ( ) w@ * @0+ , - . / 0 1 2 3 4 5 6 7 8  9 d0: E; T< T y9 |||||||[[ ![[[[[[[[[[ "|8"||||||||[ #y:#||||||||[ $[[[[[[[[[[ %s1 % %%[[[[[ &liiii[[[[[ '|'||||||||[ (|(||||||||[ )[[[[[[[[m[ *s2 *tt *u*v[[k *mY* [+[[[[[[[[n[ ,k,kkk[[[[[[ -[ -o-oooooo~ -pj@- [.[ .j.jjjjjj~ .qOA. [/[ /j/jjjjjj~ /qjA/ [0[ 0j0jjjjjj~ 0qA0 [1[[[[[[[[[[ 2k2kkk[[[[[[ 3[ 3o3oooooo~ 3pOA3 [4[ 4j4jjjjjj~ 4qjA4 [5[ 5j5jjjjjj~ 5qA5 [6[ 6j6jjjjjj~ 6qOA6 [7[[[[[[[[[[ 8[[[[[[[[[[ 9;9r :[[ ;ff ;lr>0***@**T*FFFF*FFFF* ` |(   pB  6D@jJ%+@%,]`rjB  0D@1* *]`Xll  s *  @ / ]` ll  s *` @/ ]`` t<uTHIS PAGE IS TO BE COMPLETED BY MORTGAGE BANKERS, CORRESPONDENT MORTGAGE BANKERS AND SECONDARY MORTGAGE BANKERS ONLY<Xtrr  0  @( S ]`  D <EThe level of surety bond coverage required depends on the number of lending authorities you have and your closed loan volume, as specified in N.J.A.C. 3:15-3.1. This bond must list the ӣƵ as the Obligee. Following the submission of each annual report, licensed lenders with authority as mortgage bankers, correspondent mortgage bankers or secondary mortgage lenders shall increase, if necessary, the amount of the surety bond based on the following closed loan volumes and provide proof thereof to the Department within 30 days of the submission of the report.*< 2cD>22  ????m0 1 ;K;N 0l;;K;K`O 0eO 0;;; 0>l`0l8P 0;;K`mP 0; KP 0K2`m;mtP  `mOQ 0;qq      *99::;; 7  <DlRv |  dMbP?_*+%,E&HzG?'Q?(?))\(?M\\PRINTKING\Bart4C odXXLetterDINU"4@,5N ")XX? ףp= ?U} q } } U } }  } q } 8} } 1}  } q <*@XX@h@ 9@ g ; @  @X@9@   +[   @0 @0 G@0 e@0 0   @ @  `   g@   ~G    *       [[[[[[[[[[   {{{{{{{{{ * ||||  ????  ||||||||||  ||||||||||  |||||||||| |||||||||| z||||||||| IJJJJJJJJK L+HHM NM N,RSSSSST N-RSSSSST N.RST lxl R T NwRSTiM OPPPPPPPPQ |||||||||| |  |||||||||| |||||||||| IdUVUUW|||| XYZYY[|||| |||||||||| DF l@*@@* 2***R**** ! " # @ $ % @ & @' ( [) Y/* @+ @, @- . / 0 1 2 3 4 5 E6 7 w8 w9 w: ;  |||||||||| !|||||||||| "|||||||||| #| #|c# #| # | $Ib$UVUUW|||| %XYZYY[|||| &|||| '||||| ([(||| ) *|||| +||||||||| ,|||||| -|| .|| /|| 0|| 1|| 2|||||||||| 3|||||| 4|| 5 5|| 6 9:k;k[[[[[ ;s ;[[ <pF*** p 0(  0pB 0 6D@jJ\%\(]`%ldB 0 s *D@C%J %J]`&rr 0 0  @<  4@]`|' (<The level of surety bond coverage required depends on the number of mortgage loan applications taken, as specified in N.J.A.C. 3:15-3.1. This bond must list the ӣƵ as the obligee. Following the submission of each annual report, licensed lenders with authority as a mortgage broker shall increase, if necessary, the amount of the surety bond based on the number of mortgage loan applications taken and provide proof thereof to the Department within 30 days of the submission of the report.* <(ej,-Yll 0 s *  @T]`( ll 0 s *h  @]`h) rr  0 0  @ P#] `|* R8<SIf you have authority as a Mortgage Broker (and secondary lender authority, if applicable), you shall be required to increase the amount of the surety bond based on the following schedule based on the number of total loan applications taken (including closed loans, denials, withdrawals, etc.) and provide proof thereof to the Department.<8 V"Y*Y[ Vz Y%YVRrr 0 0  @()C /b]`l+ P< 1. Applications taken: 0 to 100 $100,000 2. Applications taken: 101 to 300 $150,000 3. Applications taken: 301 to 500 $200,000 4. 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