RESIDENTIAL MORTGAGE SERVICING

257
07.2021 Page 1 of 257 RESIDENTIAL MORTGAGE SERVICING NOTE: This list includes routine fees that may be incurred or charged by PHH Mortgage Services, and its affiliates, or its service providers, but is not inclusive of all fees and costs that may be incurred for services rendered on an account. Additional fees could be charged for services not listed below. All fees are subject to change without notice and may not be applicable in all states, on all types of loans, or on certain loan classifications or situations. SPECIAL NOTE: All state-specific fee schedule information is located below the General Fee Schedule. GENERAL FEE SCHEDULE FEE AMOUNT DESCRIPTION DOCUMENT RELATED FEES Amortization Schedule Fee $0.00 We do not charge a fee to provide a copy of an amortization schedule. Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the property address. Certified Mail Fee Up to $15.00 If the loan becomes delinquent, this fee may be charged to send the required notices via certified mail. Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements. Fax Fee $0.00 We do not charge a fee for sending documents via facsimile. Payment History Fee Up to $10.00 (Free on website) This fee is charged upon request for a payment history to be mailed to the property address. A complete payment history can be viewed and printed without charge. Verification of Mortgage Fee $0.00 We do not charge a fee for preparation of a verification of mortgage. MODIFICATION RELATED FEES Assumption Fee Up to $900.00 This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or deed of trust. Modification Fee $0.00 We do not charge a fee for a mortgage modification. Subordination Fee $0.00 We do not charge a fee for preparation and processing of documents necessary to complete the subordination. PAYMENT RELATED FEES

Transcript of RESIDENTIAL MORTGAGE SERVICING

Page 1: RESIDENTIAL MORTGAGE SERVICING

07.2021

Page 1 of 257

RESIDENTIAL MORTGAGE SERVICING NOTE: This list includes routine fees that may be incurred or charged by PHH Mortgage Services, and its affiliates, or its service providers, but is not inclusive of all fees and costs that may be incurred for services rendered on an account. Additional fees could be charged for services not listed below. All fees are subject to change without notice and may not be applicable in all states, on all types of loans, or on certain loan classifications or situations. SPECIAL NOTE: All state-specific fee schedule information is located below the General Fee Schedule.

GENERAL FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee Up to $10.00 (Free on website)

This fee is charged upon request for a payment history to be mailed to the property address. A complete payment history can be viewed and

printed without charge.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

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Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

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Payoff Quote Fee Up to $30.00

A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the total amount due to satisfy a mortgage loan as of a specific date. This

fee is charged upon receipt of a request for a payoff quote.

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property

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or otherwise take measures to prevent further damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

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be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

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ALABAMA FEE SCHEDULE FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee $0.00 We do not charge a fee to send the required notices via certified mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

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FREE (if enrolled in

Paperless Statements)

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

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are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

$0.00

We do not charge an Automated Valuation Model Fee.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

$0.00

We do not charge a Broker Price Opinion Fee.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

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treatment Fee.1, 2, 3, 9, 10 include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools,

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

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Spas, Jacuzzis and Hot Tubs Fee 1, 2, 3, 5, 10

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

ALASKA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

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Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee Up to $10.00 If UPB > $25,000

Otherwise, $0.00

This fee is charged upon request for a payment history to be mailed to the property address. A complete payment history can be viewed and

printed without charge.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the

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specific Late Charge requirements that apply to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

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THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes.

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Inspections types included but not limited to, roof, termite, plumbing, structural, etc. as

performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or

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boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

ARIZONA FEE SCHEDULE FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee If UPB > 5,000, $10.00

Otherwise, $0.00

This fee is charged upon request for a payment history to be mailed to the property address. A complete payment history can be viewed and

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printed without charge.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee $0.00 We do not charge an Agent Payment fee.

Automated Phone Payment Fee

$0.00

We do not charge an Automated Phone Payment fee.

Online Payment Fee $0.00

We do not charge an Online Payment fee.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A

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lender requires that a deed of trust or a mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee Up to $30.00

A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the total amount due to satisfy a mortgage loan as of a specific date. This

fee is charged upon receipt of a request for a payoff quote.

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

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Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

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Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

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Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

ARKANSAS FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee Up to $10.00 (Free on website)

This fee is charged upon request for a payment history to be mailed to the property address. A complete payment history can be viewed and

printed without charge.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

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Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

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Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee Up to $30.00 A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the total amount due to satisfy a mortgage loan as of a specific date. This

fee is charged upon receipt of a request for a payoff quote.

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-

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alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

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Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a

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community water service is involved, and/or turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

CALIFORNIA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail to the customer.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00

We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

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Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms

of the Note and applicable law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due,

delinquent payment due or flat fee. Review your loan documents to determine the specific Late

Charge requirements that apply to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents to determine

whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $15.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence

the debt secured by the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00 This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee Up to $30.00

A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the total amount due to satisfy a mortgage loan as of a specific date. This

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fee is charged upon receipt of a request for a payoff quote.

Payoff Wire Fee $0.00 We do not charge a fee when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines.

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

These fees may be incurred If you become delinquent on your loan and foreclosure is

initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee 6 Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1, 2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1, 2, 3, 5, 10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

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Debris, Personal Property or Vehicle Removal Fee 1, 2, 3, 10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee 1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee 1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state

based on the various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Up to $ 1,500.00 If the property is vacant and/or abandoned, we

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Heating & Cooling System Maintenance &

Repair Fee 1, 2, 3, 5, 10

may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Requirement to advertise or publish notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney. The

fee may be based on unpaid principal balance (UPB) and (2) a fee for the title search or abstract of title, and (3) a fee that may be charged for the

foreclosure attorney / trustee to order a continuation of title report to use as a basis for securitizing title and to identify persons with an

interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

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COLORADO FEE SCHEDULE FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00

We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee $0.00 We do not charge an Agent Payment fee.

Automated Phone Payment Fee

$0.00 We do not charge an Automated Phone Payment fee.

Online Payment Fee $0.00 We do not charge an Online Payment fee.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the

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specific Late Charge requirements that apply to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee $0.00 We do not charge a fee when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

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THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes.

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Inspections types included but not limited to, roof, termite, plumbing, structural, etc. as

performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or

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boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

CONNECTICUT FEE SCHEDULE FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail to the customer.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee Up to $10.00 This fee is charged upon request for a payment history to be mailed to the property address. A complete payment history can be viewed and

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printed without charge.

Verification of Mortgage Fee

$0.00

We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms

of the Note and applicable law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due,

delinquent payment due or flat fee. Review your loan documents to determine the specific Late

Charge requirements that apply to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents to determine

whether there is a prepayment penalty and how it is calculated.

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Non -Sufficient Funds (NSF) Fee

$0.00

We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence

the debt secured by the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00 This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00

We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $2,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines.

Foreclosure Attorney/Trustee Costs

Fee 6

Up To $7,000.00

These fees may be incurred If you become delinquent on your loan and foreclosure is

initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee 6 Up to $150.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

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Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2,3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2 ,3, 5, 10

Up to $5,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2, 3, 10

Up to $5,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $5,000.00 The fee is charged to register a property with the municipality/county/city/state

based on the various requirements/ordinances

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Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $5,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7. Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8.

Up to $2,000.00 Requirement to advertise or publish notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $500.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney. The

fee may be based on unpaid principal balance (UPB) and (2) a fee for the title search or abstract of title, and (3) a fee that may be charged for the

foreclosure attorney / trustee to order a

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continuation of title report to use as a basis for securitizing title and to identify persons with an

interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

DELAWARE FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

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Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

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Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00 This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

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Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

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Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

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Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

DISTRICT OF COLUMBIA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

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PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

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Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee Up to $30.00 A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the total amount due to satisfy a mortgage loan as of a specific date. This

fee is charged upon receipt of a request for a payoff quote.

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to

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address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

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be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

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FLORIDA FEE SCHEDULE FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

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FREE (if enrolled in Paperless

Statements)

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00 This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee Up to $30.00 A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the total amount due to satisfy a mortgage loan as of a specific date. This

fee is charged upon receipt of a request for a payoff quote.

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

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Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

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Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

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Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

GEORGIA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule $0.00 We do not charge a fee to provide a copy of an

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Fee amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee $0.00 We do not charge an Agent Payment Fee.

Automated Phone Payment Fee

$0.00

We do not charge an Automated Phone Payment Fee.

Online Payment Fee $0.00 We do not charge an Online Payment Fee.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

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Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00

We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a lien release prep fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

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Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

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to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

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Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

GUAM FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee -

-

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

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Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

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Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

-

-

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee - -

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

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general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar

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organisms ("Mold Conditions") may exist in the Property of which the Servicer is unaware and has

no actual knowledge. No representation or warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems,

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maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

HAWAII FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail to the customer.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00

We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

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Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according

to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due,

delinquent payment due or flat fee. Review your loan documents to determine the specific Late

Charge requirements that apply to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

This penalty is charged for paying off a mortgage prior to maturity date. Usually,

prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments made in the early

years of the loan. Review your loan documents to determine

whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $20.00

This fee is charged for any payment that is returned due to, including but not limited to,

insufficient available funds, stopped payment and incorrect endorsement.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

We may charge the actual cost of filing instruments affecting title to real property into a book of public records. A lender requires that

a deed of trust or a mortgage and certain related documentation be recorded to

evidence the debt secured by the property.

Lien Release Prep Fee (satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for a partial release.

Payoff Quote Fee $0.00

We do not charge a fee for payoff quote (also known as a payoff demand or a payoff

statement).

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Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines.

Foreclosure Attorney/Trustee Costs

Fee 6

Up to $15,000.00 These fees may be incurred if a borrower becomes delinquent on the loan and foreclosure is initiated. These fees and costs may be charged for expenses

and court costs incurred to complete the legal requirements associated with a foreclosure action. Fees are subject to investor guidelines which shall

not exceed reasonable and customary for the work performed (H.R.S. § 454M-5(i) (3).

Foreclosure Mailing Fee 6 Up to $200.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 2, 6

$0.00

We do not charge an Automated Valuation Model Fee.

Broker Price Opinion (BPO) Fee 1,2,3, 5

$0.00

We do not charge a Broker Price Opinion Fee.

Full Appraisal Fee1 ,2 ,3, 5 $0.00

We do not charge a Full Appraisal Fee.

Capping Gas, Water, Sewer, Electrical Fee

1,2,3,10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1,2,3,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1, 2 ,3, 5, 10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

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Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee. 1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on

the various requirements/ordinances.

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

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Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

If a legal action commences, then a fee may be incurred for a process server to notify all parties of

interest of legal action in accordance with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Requirement to advertise or publish notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include: (1) a fee for the title search or abstract of title, and (2) a fee that may be

charged for the foreclosure attorney / trustee to order a continuation of title report to use as a

basis for securitizing title and to identify persons with an interest in the property. The fee may be

based on unpaid principal balance (UPB).

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freezing.

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IDAHO FEE SCHEDULE FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

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FREE (if enrolled in Paperless

Statements)

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

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Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or

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other animals, termite inspection and / or treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but

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Tubs Fee 1, 2, 3, 5, 10 are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

ILLINOIS FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

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Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00

We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

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Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00

We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00

We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

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Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

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to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

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Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

INDIANA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for request for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

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MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $20.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

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PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee $0.00 We do not charge a fee when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

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services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

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1, 2, 3, 5, 9, 10 prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

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Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

IOWA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee $0.00 We do not charge a fee to send the required notices via certified mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

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Agent Payment Fee $0.00

We do not charge an Agent Payment Fee

Automated Phone Payment Fee

$0.00

We do not charge an Automated Phone Payment Fee

Online Payment Fee $0.00

We do not charge an Online Payment Fee

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a payoff quote fee (also known as a payoff demand or a payoff statement).

Payoff Wire Fee $0.00 We do not charge a fee when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs

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incurred as part of the bankruptcy process. Fees are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

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Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

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Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

KANSAS FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

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property address.

Certified Mail Fee $0.00 We do not charge a fee to send the required notices via certified mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee $0.00 We do not charge an Agent Payment Fee.

Automated Phone Payment Fee

$0.00 We do not charge an Automated Phone Payment Fee.

Online Payment Fee $0.00 We do not charge an Online Payment Fee.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

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to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a lien release prep fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee $0.00 We do not charge a fee when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

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Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

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watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

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Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

KENTUCKY FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage

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modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents to determine whether there is a

prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

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Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

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damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

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Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

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LOUISIANA FEE SCHEDULE FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee $0.00 We do not charge a fee to send the required notices via certified mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee $0.00 We do not charge an Agent Payment fee.

Automated Phone Payment Fee

$0.00 We do not charge an Automated Phone Payment fee.

Online Payment Fee $0.00 We do not charge an Online Payment fee.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the

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specific Late Charge requirements that apply to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

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Automated Valuation Model (AVM) Fee 1, 2, 5

$0.00

We do not charge an Automated Valuation Model Fee.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

$0.00 We do not charge a Broker Price Opinion Fee.

Full Appraisal Fee1 ,2 ,3, 5 $0.00 We do not charge a Full Appraisal Fee.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

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Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

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Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

MAINE FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

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MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

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PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

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Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

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Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

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Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

MARYLAND FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee $0.00

We do not charge a fee to send the required notices via certified mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00

We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

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Agent Payment Fee $0.00

We do not charge an Agent Payment fee.

Automated Phone Payment Fee

$0.00

We do not charge an Automated Phone Payment fee.

Online Payment Fee $0.00

We do not charge an Online Payment fee.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents to determine whether there is a

prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00

We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00

We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00

We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

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are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

$0.00 We do not charge an Automated Valuation Model Fee.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

$0.00

We do not charge a Broker Price Opinion Fee.

Full Appraisal Fee1 ,2 ,3, 5 $0.00 We do not charge a Full Appraisal Fee.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

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treatment.

Occupancy Inspection Fee 1, 2

$0.00 We do not charge a fee for Occupancy Inspection.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

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Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

MASSACHUSETTS FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee $0.00 We do not charge a fee to send the required notices via certified mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies

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of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance

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include a prepayment penalty.

being prepaid and are limited to prepayments made in the early years of the loan. Review your

loan documents to determine whether there is a prepayment

penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

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Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

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Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

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securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

MICHIGAN FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00

We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

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deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents to determine whether there is a

prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00

We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

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mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00

We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00

We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

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Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

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warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and

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may include the use of air pressure and/or adding anti-freeze to prevent freeze-ups.

MINNESOTA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee $0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee $0.00

We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00 We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

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Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in Paperless

Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according

to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are

calculated according to the

terms of the Note. Not all loans

include a prepayment

penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents to determine whether there is a

prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00

We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a partial release fee.

Payoff Quote Fee $0.00

We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

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Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3, 10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

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Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2 Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12 Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on

the various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

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Plumbing, Electrical, Heating & Cooling System

Maintenance & Repair Fee 1, 2,

3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8 Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas,

Jacuzzis and Hot Tubs Fee 1, 2,

3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2,

3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

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MISSISSIPPI FEE SCHEDULE FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

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FREE (if enrolled in Paperless

Statements)

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

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Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

$0.00

We do not charge an Automated Valuation Model Fee.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or

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other animals, termite inspection and / or treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools,

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

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Spas, Jacuzzis and Hot Tubs Fee 1, 2, 3, 5, 10

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

MISSOURI FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

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Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee $0.00 We do not charge an Agent Payment fee.

Automated Phone Payment Fee

$0.00

We do not charge an Automated Phone Payment fee.

Online Payment Fee $0.00 We do not charge an Online Payment fee.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment

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penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00

We do not charge a fee for payoff quote (also

known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

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Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

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watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

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Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

MONTANA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee $0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00 If the loan becomes delinquent, this fee may be charged to send you required notices via

certified mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00

We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee $0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee

Up to $900.00 This fee is charged for the preparation of an agreement for a third party to assume the

liability under an existing note secured by a mortgage or deed of trust.

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Modification Fee

$0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00 We do not charge a fee for preparation and processing of documents necessary to

complete the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a

phone payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self-Service

application.

Online Payment Fee Up to $7.50(if not enrolled in Paperless

Statements)

FREE (if enrolled in Paperless Statements)

This fee is charged for payments made online to make an electronic debit payment directly

from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due,

delinquent payment due or flat fee. Review your loan documents to determine the specific

Late Charge requirements that apply to the loan.

Prepayment Penalty Prepayment Penalties are calculated

according to the terms of the Note.

Not all loans include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the

Note. Usually, prepayment penalties are calculated based on a percentage of the

principal balance being prepaid and are limited to prepayments made in the early years of the

loan. Review your loan documents to determine whether there is a prepayment

penalty and how it is calculated.

NSF Fee $0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a mortgage and

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certain related documentation be recorded to evidence the debt secured by the property.

Lien Release Prep Fee (satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for a partial release.

Payoff Quote Fee Up to $30.00 A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the

total amount due to satisfy a mortgage loan as of a specific date. This fee is charged upon

receipt of a request for a payoff quote.

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee6 Up to $1,400.00

Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and

court costs incurred as part of the bankruptcy process. Fees are subject to investor guidelines

Foreclosure Attorney/Trustee Costs Fee 6

Typically, Up to $3,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be

charged for expenses and court costs incurred to complete the legal requirements associated

with a foreclosure action.

Foreclosure Mailing Fee Up to $150.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be

charged for expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2,5

Up to $15.00 The estimated market value of the property by using statistical data pertaining to the area

where the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3,5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee 1, 2, 3,5,10 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the interior

and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3, 10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical

wires may be capped.

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Cleaning Fee 1, 2,3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide

cleaning services to address any Health and/or Safety issues. Services may include but not be

limited to general cleaning and cleaning refrigerators, stand-alone freezers, and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00 If the property is vacant and/or abandoned, contractors may be retained to conduct repairs

to address and fix identified damages to a property or otherwise take measures to prevent further damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,9,10

Up to $10,000.00 If the property is vacant and/or abandoned, contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind

(including non-functioning appliances, abandoned automobiles, boats, motorcycles,

recreational vehicles and trailers or other personal property).

Extermination & Pest Control Services, Termite Inspections and/or treatment Fee.1, 2,3,9,10

Up to $1,000.00 If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection

and/or treatment.

Occupancy Inspection Fee 1, 2 Up to $60.00 Occupancy inspections are performed to determine if property is occupied/vacant and appropriately maintained. This includes, but is

not limited to, drive-by, door knock, etc.

Preservation Inspection Fee1,2,3,5,10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes.

Inspections types included but not limited to, roof, termite, plumbing, structural, etc. as

performed by specialized inspectors.

Property Registration Fee 12 Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on

the various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00 If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include

periodically watering, trimming shrubs and/or cutting the grass. Snow removal may include

removing snow from the entry walk, porch

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and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3,5, 9,10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the Property of which the Servicer is unaware and has no actual knowledge. No

representation or warranty is made in regard to the effectiveness of any treatment or remediation action which may be taken.

Plumbing, Electrical, Heating & Cooling System Maintenance &

Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00 If the property is vacant and/or abandoned, we may have contractors repair and/or maintain

the systems on the property including the plumbing, electrical, heating and cooling

systems.

Process Server Fee 7 Up to $1,420.00 We may have a process server who notifies all parties of interest regarding a legal action in accordance with appropriate legal standards.

Publication / Posting Fee 8 Up to $2,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis

and Hot Tubs Fee 1, 2, 3, 5, 10

Up to $2,500.00 If the property is discovered to be vacant and/ or abandoned, contractors may secure pools, spas, Jacuzzis and/or hot tubs. Services may

include but are not limited to securing, covering, draining, disassembling, chlorinating

and/or boarding.

Securing the Property Fee 1, 2, 3,

5, 10

Up to $2,500.00 If the property is discovered to be vacant and/ or abandoned, contractors may be hired to

secure the property. Services may include, but are not limited to, an initial secure of the

property and, re-keying locks, securing doors; installing slide bolts, locks, barrel bolts,

deadbolts and padlocks, installing security doors with padlocks, and/or boarding or

bracing garage doors or windows.

Title Costs Fee1,2,11

Up to $1,500.00 Title Costs can include (1) a fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3) a continuation of title report fee for the foreclosure attorney / trustee to use as a basis

for securitizing title and to identify persons with an interest in the property.

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Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may

be paid directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00 If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include

but are not limited to, draining plumbing and heating systems, maintaining water services to

houses where a community water service is involved, turning off water supply to the

property, and using air pressure and/or adding anti-freeze to prevent freeze-ups.

NEBRASKA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee Up to $10.00 (Free on website)

This fee is charged upon request for a payment history to be mailed to the property address. A complete payment history can be viewed and

printed without charge.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

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Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee $0.00 We do not charge an Agent Payment fee.

Automated Phone Payment Fee

$0.00

We do not charge an Automated Phone Payment fee.

Online Payment Fee $0.00 We do not charge an Online Payment fee.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

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Payoff Quote Fee $0.00

We do not charge a fee for payoff quote (also

known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris.

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Removal Fee 1,2,3,10 Services may include but are not limited to the removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

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Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

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NEVADA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee $0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00 If the loan becomes delinquent, this fee may be charged to send you required notices via

certified mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00

We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee $0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee

Up to $900.00 This fee is charged for the preparation of an agreement for a third party to assume the

liability under an existing note secured by a mortgage or deed of trust.

Modification Fee

$0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00 We do not charge a fee for preparation and processing of documents necessary to

complete the subordination.

PAYMENT RELATED FEES

Agent Payment Fee $0.00 We do not charge an Agent payment fee.

Automated Phone Payment Fee

$0.00 We do not charge an Automated phone payment fee.

Online Payment Fee $0.00 We do not charge an Online payment fee.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due,

delinquent payment due or flat fee. Review

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your loan documents to determine the specific Late Charge requirements that apply to the

loan.

Prepayment Penalty Prepayment Penalties are calculated

according to the terms of the Note.

Not all loans include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the

Note. Usually, prepayment penalties are calculated based on a percentage of the

principal balance being prepaid and are limited to prepayments made in the early years of the

loan. Review your loan documents to determine whether there is a prepayment

penalty and how it is calculated.

NSF Fee Up to $25.00 This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a mortgage and certain related documentation be recorded to

evidence the debt secured by the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00 This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a partial release fee.

Payoff Quote Fee Up to $30.00 A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the

total amount due to satisfy a mortgage loan as of a specific date. This fee is charged upon

receipt of a request for a payoff quote

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee6 Up to $2,400.00

Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and

court costs incurred as part of the bankruptcy process. Fees are subject to investor

guidelines.

Foreclosure Attorney/Trustee Costs Fee 6

Typically, Up to $5,500.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be

charged for expenses and court costs incurred

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to complete the legal requirements associated with a foreclosure action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be

charged for expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2,5

Up to $15.00 The estimated market value of the property by using statistical data pertaining to the area

where the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3,5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee 1, 2, 3,5,10 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the interior

and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3, 10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical

wires may be capped.

Cleaning Fee 1, 2,3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide

cleaning services to address any Health and/or Safety issues. Services may include but not be

limited to general cleaning and cleaning refrigerators, stand-alone freezers, and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00 If the property is vacant and/or abandoned, contractors may be retained to conduct repairs

to address and fix identified damages to a property or otherwise take measures to prevent further damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,9,10

Up to $10,000.00 If the property is vacant and/or abandoned, contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind

(including non-functioning appliances, abandoned automobiles, boats, motorcycles,

recreational vehicles and trailers or other personal property).

Extermination & Pest Control Services, Termite Inspections and/or treatment Fee.1, 2,3,9,10

Up to $1,000.00 If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection

and/or treatment.

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Occupancy Inspection Fee 1, 2 Up to $60.00 Occupancy inspections are performed to determine if property is occupied/vacant and appropriately maintained. This includes, but is

not limited to, drive-by, door knock, etc.

Preservation Inspection Fee1,2,3,5,10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes.

Inspections types included but not limited to, roof, termite, plumbing, structural, etc. as

performed by specialized inspectors.

Property Registration Fee 12 Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on

the various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00 If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include

periodically watering, trimming shrubs and/or cutting the grass. Snow removal may include

removing snow from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3,5, 9,10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the Property of which the Servicer is unaware and has no actual knowledge. No

representation or warranty is made in regard to the effectiveness of any treatment or remediation action which may be taken.

Plumbing, Electrical, Heating & Cooling System Maintenance &

Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00 If the property is vacant and/or abandoned, we may have contractors repair and/or maintain

the systems on the property including the plumbing, electrical, heating and cooling

systems.

Process Server Fee 7 Up to $1,420.00 We may have a process server who notifies all parties of interest regarding a legal action in accordance with appropriate legal standards.

Publication / Posting Fee 8 Up to $1,500.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis

and Hot Tubs Fee 1, 2, 3, 5, 10

Up to $2,500.00 If the property is discovered to be vacant and/ or abandoned, contractors may secure pools, spas, Jacuzzis and/or hot tubs. Services may

include but are not limited to securing,

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covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3,

5, 10

Up to $2,500.00 If the property is discovered to be vacant and/ or abandoned, contractors may be hired to

secure the property. Services may include, but are not limited to, an initial secure of the

property and, re-keying locks, securing doors; installing slide bolts, locks, barrel bolts,

deadbolts and padlocks, installing security doors with padlocks, and/or boarding or

bracing garage doors or windows.

Title Costs Fee1,2,11

Up to $2,000.00 Title Costs can include (1) a fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3) a continuation of title report fee for the foreclosure attorney / trustee to use as a basis

for securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may

be paid directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00 If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include

but are not limited to, draining plumbing and heating systems, maintaining water services to

houses where a community water service is involved, turning off water supply to the

property, and using air pressure and/or adding anti-freeze to prevent freeze-ups.

NEW HAMPSHIRE FEE SCHEDULE FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

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Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

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Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

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Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

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to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

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Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

NEW JERSEY FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee $0.00 We do not charge a fee to send the required notices via certified mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00

We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

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Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee $0.00 We do not charge a fee for Agent Payment Fee.

Automated Phone Payment Fee

$0.00

We do not charge a fee for Automated Phone Payment Fee.

Online Payment Fee $0.00

We do not charge a fee for Online Payment Fee.

Late Payment Fee Late fees are calculated according to the terms

of the Note and applicable law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due,

delinquent payment due or flat fee. Review your loan documents to determine the specific Late

Charge requirements that apply to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents to determine

whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00

We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence

the debt secured by the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00 This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

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satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00

We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee $0.00

We do not charge a fee when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines.

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

These fees may be incurred If you become delinquent on your loan and foreclosure is

initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee 6 Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1, 2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

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Damage Repairs Fee 1, 2, 3, 5, 10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1, 2, 3, 10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee 1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee 1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state

based on the various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

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Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Requirement to advertise or publish notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney. The

fee may be based on unpaid principal balance (UPB) and (2) a fee for the title search or abstract of title, and (3) a fee that may be charged for the

foreclosure attorney / trustee to order a continuation of title report to use as a basis for securitizing title and to identify persons with an

interest in the property.

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Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

NEW MEXICO FEE SCHEDULE FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

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Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

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Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee Up to $30.00 A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the total amount due to satisfy a mortgage loan as of a specific date. This

fee is charged upon receipt of a request for a payoff quote

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-

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alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

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Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a

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community water service is involved, and/or turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

NEW YORK FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee $0.00 We do not charge a fee to send the required notices via certified mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00

We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

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application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00

We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00

We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00

We do not charge a fee for payoff quote (also

known as a payoff demand or a payoff statement).

Payoff Wire Fee $0.00 We do not charge a fee when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

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Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

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Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $30.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

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Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

NORTH CAROLINA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee $0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional

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copies of loan documents to be mailed to the property address.

Certified Mail Fee Up to $15.00 If the loan becomes delinquent, this fee may be charged to send you required notices via

certified mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee Up to $10.00

This fee is charged upon request for a payment history to be mailed to the property address.

This fee is charged upon request for a payment history to be mailed to the property address. A complete payment history can be viewed and

printed without charge.

Verification of Mortgage Fee $0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee

Up to $900.00 This fee is charged for the preparation of an agreement for a third party to assume the

liability under an existing note secured by a mortgage or deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00 We do not charge a fee for preparation and processing of documents necessary to

complete the subordination.

PAYMENT RELATED FEES

Agent Payment Fee $0.00 We do not charge an Agent payment fee.

Automated Phone Payment Fee

$0.00

We do not charge an Automated phone payment fee.

Online Payment Fee $0.00 We do not charge an Online payment fee.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due,

delinquent payment due or flat fee. Review your loan documents to determine the specific

Late Charge requirements that apply to the loan.

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Prepayment Penalty Prepayment Penalties are calculated

according to the terms of the Note.

Not all loans include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the

Note. Usually, prepayment penalties are calculated based on a percentage of the

principal balance being prepaid and are limited to prepayments made in the early years of the

loan. Review your loan documents to determine whether there is a prepayment

penalty and how it is calculated.

NSF Fee Up to $25.00 This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a mortgage and certain related documentation be recorded to

evidence the debt secured by the property.

Lien Release Prep Fee (satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff

statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee6 Up to $3,100.00

Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and

court costs incurred as part of the bankruptcy process. Fees are subject to investor guidelines

Foreclosure Attorney/Trustee Costs Fee 6

Typically, Up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be

charged for expenses and court costs incurred to complete the legal requirements associated

with a foreclosure action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be

charged for expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model Up to $15.00 The estimated market value of the property by

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(AVM) Fee 1, 2,5 using statistical data pertaining to the area where the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3,5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee 1, 2, 3,5,10 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the interior

and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3, 10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical

wires may be capped.

Cleaning Fee 1, 2,3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide

cleaning services to address any Health and/or Safety issues. Services may include but not be

limited to general cleaning and cleaning refrigerators, stand-alone freezers, and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00 If the property is vacant and/or abandoned, contractors may be retained to conduct repairs

to address and fix identified damages to a property or otherwise take measures to prevent further damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,9,10

Up to $10,000.00 If the property is vacant and/or abandoned, contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind

(including non-functioning appliances, abandoned automobiles, boats, motorcycles,

recreational vehicles and trailers or other personal property).

Extermination & Pest Control Services, Termite Inspections and/or treatment Fee.1, 2,3,9,10

Up to $1,000.00 If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection

and/or treatment.

Occupancy Inspection Fee 1, 2 Up to $60.00 Occupancy inspections are performed to determine if property is occupied/vacant and appropriately maintained. This includes, but is

not limited to, drive-by, door knock, etc.

Preservation Inspection Fee1,2,3,5,10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes.

Inspections types included but not limited to,

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roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12 Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on

the various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00 If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include

periodically watering, trimming shrubs and/or cutting the grass. Snow removal may include

removing snow from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3,5, 9,10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the Property of which the Servicer is unaware and has no actual knowledge. No

representation or warranty is made in regard to the effectiveness of any treatment or remediation action which may be taken.

Plumbing, Electrical, Heating & Cooling System Maintenance &

Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00 If the property is vacant and/or abandoned, we may have contractors repair and/or maintain

the systems on the property including the plumbing, electrical, heating and cooling

systems.

Process Server Fee 7 Up to $1,420.00 We may have a process server who notifies all parties of interest regarding a legal action in accordance with appropriate legal standards.

Publication / Posting Fee 8 Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis

and Hot Tubs Fee 1, 2, 3, 5, 10

Up to $2,500.00 If the property is discovered to be vacant and/ or abandoned, contractors may secure pools, spas, Jacuzzis and/or hot tubs. Services may

include but are not limited to securing, covering, draining, disassembling, chlorinating

and/or boarding.

Securing the Property Fee 1, 2, 3,

5, 10

Up to $2,500.00 If the property is discovered to be vacant and/ or abandoned, contractors may be hired to

secure the property. Services may include, but are not limited to, an initial secure of the

property and, re-keying locks, securing doors; installing slide bolts, locks, barrel bolts,

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deadbolts and padlocks, installing security doors with padlocks, and/or boarding or

bracing garage doors or windows.

Title Costs Fee1,2,11

Up to $2,000.00 Title Costs can include (1) a fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3) a continuation of title report fee for the foreclosure attorney / trustee to use as a basis

for securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may

be paid directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00 If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include

but are not limited to, draining plumbing and heating systems, maintaining water services to

houses where a community water service is involved, turning off water supply to the

property, and using air pressure and/or adding anti-freeze to prevent freeze-ups.

NORTH DAKOTA FEE SCHEDULE FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

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Payment History Fee Up to $10.00 (Free on website)

This fee is charged upon request for a payment history to be mailed to the property address. A complete payment history can be viewed and

printed without charge.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your

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loan documents to determine whether there is a prepayment

penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00

We do not charge a fee for payoff quote (also

known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

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Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

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Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

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securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

OHIO FEE SCHEDULE FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

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deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A

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lender requires that a deed of trust or a mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee Up to $30.00

A payoff quote (also known as a payoff demand or

a payoff statement) is a written statement that gives an itemized list of the total amount due to satisfy a mortgage loan as of a specific date. This

fee is charged upon receipt of a request for a payoff quote

Payoff Wire Fee $0.00

We do not charge a fee when a loan is Paid in Full

(PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

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Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

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Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

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Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

OKLAHOMA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

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PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

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Payoff Quote Fee Up to $30.00 A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the total amount due to satisfy a mortgage loan as of a specific date. This

fee is charged upon receipt of a request for a payoff quote

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property

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or otherwise take measures to prevent further damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

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be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

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OREGON FEE SCHEDULE FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

This fee is charged for payments made online to make an electronic debit

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Paperless Statements)

FREE (if enrolled in Paperless

Statements)

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs

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incurred as part of the bankruptcy process. Fees are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

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Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

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Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

PENNSYLVANIA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee $0.00 We do not charge a fee to provide a copy of an

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amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee $0.00

We do not charge a fee for verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00 We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in Paperless

Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated

This fee is charged when a scheduled payment is not received by the due date or within the

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according to the terms of the

Note and applicable

law.

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are

calculated according to the

terms of the Note. Not all loans

include a prepayment

penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

FHA Loans – Up to $15.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a partial release fee.

Payoff Quote Fee Up to $30.00

A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the total amount due to satisfy a mortgage loan as of a specific date. This

fee is charged upon receipt of a request for a payoff quote.

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

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Foreclosure Attorney/Trustee Costs Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

$0.00

We do not charge an Automated Valuation Model Fee.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

$0.00

We do not charge a Broker Price Opinion Fee.

Full Appraisal Fee1 ,2 ,3, 5 $0.00 We do not charge a Full Appraisal Fee.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3, 10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

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treatment.

Occupancy Inspection Fee 1, 2 Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12 Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on

the various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling System

Maintenance & Repair Fee 1, 2,

3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8 Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas,

Jacuzzis and Hot Tubs Fee 1, 2,

3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining,

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disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2,

3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

PUERTO RICO FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

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Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

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Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $10.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

-

-

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee Up to $30.00 A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the total amount due to satisfy a mortgage loan as of a specific date. This

fee is charged upon receipt of a request for a payoff quote

Payoff Wire Fee - -

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

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THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes.

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Inspections types included but not limited to, roof, termite, plumbing, structural, etc. as

performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or

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boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

RHODE ISLAND FEE SCHEDULE FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

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Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

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Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00

Assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage satisfaction

docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee Up to $30.00 A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the total amount due to satisfy a mortgage loan as of a specific date. This

fee is charged upon receipt of a request for a payoff quote.

Payoff Wire Fee Up to $25.00

This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

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Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

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Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

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securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

SOUTH CAROLINA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

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deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A

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lender requires that a deed of trust or a mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-

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alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

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Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a

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community water service is involved, and/or turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

SOUTH DAKOTA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee $0.00

We do not charge an Agent Payment fee.

Automated Phone Payment Fee

$0.00

We do not charge an Automated Phone Payment fee.

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Online Payment Fee $0.00

We do not charge an Online Payment fee.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

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Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or

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other animals, termite inspection and / or treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but

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Tubs Fee 1, 2, 3, 5, 10 are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

TENNESSEE FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

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Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee Up to $10.00 (Free on website)

This fee is charged upon request for a payment history to be mailed to the property address. A complete payment history can be viewed and

printed without charge.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the

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specific Late Charge requirements that apply to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

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Automated Valuation Model (AVM) Fee 1, 2, 5

$0.00

We do not charge an Automated Valuation Model Fee.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

$0.00 We do not charge a Broker Price Opinion Fee.

Full Appraisal Fee1 ,2 ,3, 5 $0.00 We do not charge a Full Appraisal Fee.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

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Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

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Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

TEXAS FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

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MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

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PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee $0.00 We do not charge a fee when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

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Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

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Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

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Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

UTAH FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

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PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $20.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

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Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee $0.00 We do not charge a fee when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

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Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

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Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

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VERMONT FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee $0.00 We do not charge a fee to send the required notices via certified mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

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Paperless Statements)

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

Up to $15.00

This fee is assessed when a loan is Paid in Full (PIF) for cost incurred to prepare the mortgage

satisfaction docs.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00

We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

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Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or

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other animals, termite inspection and / or treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining,

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disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

VIRGINIA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

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Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

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Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee $0.00 We do not charge a fee when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

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Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

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to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

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Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

WASHINGTON FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

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Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee $0.00

We do not charge an Agent Payment Fee.

Automated Phone Payment Fee

$0.00

We do not charge an Automated Phone Payment Fee.

Online Payment Fee $0.00

We do not charge an Online Payment Fee.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

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mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee Up to $30.00 A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the total amount due to satisfy a mortgage loan as of a specific date. This

fee is charged upon receipt of a request for a payoff quote.

Payoff Wire Fee $0.00 We do not charge a fee when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

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Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

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Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

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Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

WEST VIRGINIA FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the property

address.

Certified Mail Fee $0.00 We do not charge a fee to send the required notices via certified mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust. Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete the

subordination.

PAYMENT RELATED FEES

Agent Payment Fee $0.00 We do not charge an Agent Payment Fee.

Automated Phone $0.00 We do not charge an Automated Phone Payment

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Payment Fee Fee.

Online Payment Fee $0.00 We do not charge an Online Payment Fee.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the courtesy

period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according to the terms of the Note.

Not all loans include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being

prepaid and are limited to prepayments made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00

We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee $0.00 We do not charge a fee when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs

incurred as part of the bankruptcy process. Fees are subject to investor guidelines

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Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

$0.00

We do not charge an Automated Valuation Model Fee.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

$0.00 We do not charge a Broker Price Opinion Fee.

Full Appraisal Fee1 ,2 ,3, 5 $0.00 We do not charge a Full Appraisal Fee.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

$0.00 We do not charge capping gas, water, sewer, electrical fee.

Cleaning Fee 1, 2, 3 ,10 $0.00 We do not charge a cleaning fee.

Damage Repairs Fee 1,2,3,5,10

$0.00

We do not charge a damage repairs fee.

Debris, Personal Property or Vehicle Removal Fee

1,2,3,10

$0.00

We do not charge a debris, personal property or vehicle removal fee

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

$0.00

We do not charge an extermination & pest control services, termite inspections and/or treatment fee.

Occupancy Inspection Fee 1, 2

$0.00 We do not charge an occupancy inspection fee.

Preservation Inspection Fee1, 2, 3, 5, 10

$0.00 We do not charge a preservation inspection fee.

Property Registration Fee 12

$0.00 We do not charge a property registration fee.

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

$0.00

We do not charge lawn care/snow removal fee.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

$0.00 We do not charge mold remediation or treatment fee.

Plumbing, Electrical, Heating & Cooling System

Maintenance & Repair Fee 1, 2, 3, 5, 10

$0.00

We do not charge plumbing, electrical, heating & cooling system maintenance & repair fee.

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Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance with

appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot Tubs Fee 1, 2, 3, 5, 10

$0.00

We do not charge securing in-ground and above ground pools, spas, Jacuzzis and hot tubs fee.

Securing the Property Fee 1, 2, 3, 5, 10

$0.00 We do not charge securing the property fee.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3) a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for securitizing title and to identify persons with an interest in the

property.

Utilities Fee 4 $0.00 We do not charge utilities fee.

Winterize / De-winterize Fee

1, 2, 3, 10

$0.00

We do not charge winterize / de-winterize fee.

WISCONSIN FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee Up to $15.00

If the loan becomes delinquent, this fee may be charged to send the required notices via certified

mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

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Payment History Fee $0.00

We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee Up to $17.50

This fee is charged when a borrower requests that a Customer Service associate process a phone

payment on the account.

Automated Phone Payment Fee

Up to $7.50

This fee is charged for phone payments made using an automated Interactive Self Service

application.

Online Payment Fee Up to $7.50 (if not enrolled in

Paperless Statements)

FREE (if enrolled in Paperless

Statements)

This fee is charged for payments made online to make an electronic debit

payment directly from your account.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

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to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

Up to $25.00

This fee is charged for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00

We do not charge a Lien Release Prep fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee $0.00 We do not charge a fee for payoff quote (also known as a payoff demand or a payoff statement).

Payoff Wire Fee Up to $25.00 This fee is assessed when a loan is Paid in Full (PIF) via a wire.

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

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Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

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watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

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Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

WYOMING FEE SCHEDULE

FEE AMOUNT DESCRIPTION

DOCUMENT RELATED FEES

Amortization Schedule Fee

$0.00 We do not charge a fee to provide a copy of an amortization schedule.

Document Copy Fee $0.00 We do not charge a fee to provide additional copies of loan documents to be mailed to the

property address.

Certified Mail Fee $0.00

We do not charge a fee to send the required notices via certified mail.

Duplicate Statement Fee $0.00 We do not charge a fee to provide duplicate copies of Monthly Account Statements.

Fax Fee $0.00 We do not charge a fee for sending documents via facsimile.

Payment History Fee $0.00 We do not charge a fee for a payment history to be mailed to the property address.

Verification of Mortgage Fee

$0.00 We do not charge a fee for preparation of a verification of mortgage.

MODIFICATION RELATED FEES

Assumption Fee Up to $900.00

This fee is charged for the preparation of an agreement for a third party to assume the liability under an existing note secured by a mortgage or

deed of trust.

Modification Fee $0.00 We do not charge a fee for a mortgage modification.

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Subordination Fee $0.00

We do not charge a fee for preparation and processing of documents necessary to complete

the subordination.

PAYMENT RELATED FEES

Agent Payment Fee $0.00 We do not charge an Agent Payment fee.

Automated Phone Payment Fee

$0.00

We do not charge an Automated Phone Payment fee.

Online Payment Fee $0.00 We do not charge an Online Payment fee.

Late Payment Fee Late fees are calculated according to the terms of the Note and applicable

law.

This fee is charged when a scheduled payment is not received by the due date or within the

courtesy period defined in the Note. This fee is calculated as a percentage of the payment due, delinquent payment due or flat fee.

Review your loan documents to determine the specific Late Charge requirements that apply

to the loan.

Prepayment Penalty Prepayment Penalties are calculated according

to the terms of the Note. Not all loans

include a prepayment penalty.

We charge this fee when the loan is partially or fully prepaid, depending on the terms in the Note.

Usually, prepayment penalties are calculated based on a percentage of the principal balance being prepaid and are limited to prepayments

made in the early years of the loan. Review your loan documents

to determine whether there is a prepayment penalty and how it is calculated.

Non -Sufficient Funds (NSF) Fee

$0.00 We do not charge a fee for any payment that is returned due to insufficient available funds,

stopped payment, incorrect endorsement, etc.

PAYOFF RELATED FEES

Recording Cost Fee Fee Determined by County

Cost of filing instruments affecting title to real property into a book of public records. A lender requires that a deed of trust or a

mortgage and certain related documentation be recorded to evidence the debt secured by

the property.

Lien Release Prep Fee (Satisfaction)

$0.00 We do not charge a Lien Release Prep Fee.

Partial Release Fee $0.00 We do not charge a fee for partial release.

Payoff Quote Fee Up to $30.00 A payoff quote (also known as a payoff demand or a payoff statement) is a written statement that gives an itemized list of the total amount due to satisfy a mortgage loan as of a specific date. This

fee is charged upon receipt of a request for a

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payoff quote.

Payoff Wire Fee - -

DEFAULT RELATED FEES

Bankruptcy Fee 6 Up to $3,400.00 Once a bankruptcy proceeding is initiated, these fees may be charged for expenses and court costs incurred as part of the bankruptcy process. Fees

are subject to investor guidelines

Foreclosure Attorney/Trustee Costs

Fee 6

Typically, up to $15,000.00

If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for expenses and court costs incurred to complete the legal requirements associated with a foreclosure

action.

Foreclosure Mailing Fee Up to $1,000.00 If the loan becomes delinquent and foreclosure is initiated, these fees and costs may be charged for

expenses incurred for mailing legally required notices to interested parties.

THIRD PARTY FEES

Automated Valuation Model (AVM) Fee 1, 2, 5

Up to $15.00

The estimated market value of the property by using statistical data pertaining to the area where

the property is located.

Broker Price Opinion (BPO) Fee1 ,2 ,3, 5

Up to $207.00 Brokers or other qualified individuals provide an estimate of the market value of property.

Full Appraisal Fee1 ,2 ,3, 5 Up to $800.00 Appraisers provide an appraisal of fair market value based on an inspection of the

interior and/or exterior of a property.

Capping Gas, Water, Sewer, Electrical Fee 1,2, 3,

10

Up to $50.00 per line

If the property is vacant and/or abandoned, water, sewer lines and/or exposed electrical wires may be

capped.

Cleaning Fee 1, 2, 3 ,10 Up to $600.00 If the property is vacant and/or abandoned, contractors may be retained to provide cleaning

services to address any Health and/or Safety issues. Services may include but not be limited to

general cleaning, and cleaning refrigerators, stand-alone freezers and toilets.

Damage Repairs Fee 1,2,3,5,10

Up to $10,000.00

If the property is vacant and/or abandoned, contractors may be retained to conduct repairs to address and fix identified damages to a property or otherwise take measures to prevent further

damage from occurring.

Debris, Personal Property or Vehicle Removal Fee 1,2,3,10

Up to $10,000.00

If the property is vacant and/or abandoned. Contractors may be retained to remove debris. Services may include but are not limited to the

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removal of hazardous or non-hazardous material, trash or personal property left behind (including

non-functioning appliances, abandoned automobiles, boats, motorcycles, recreational

vehicles and trailers or personal property).

Extermination & Pest Control Services, Termite

Inspections and/or treatment Fee.1, 2, 3, 9, 10

Up to $1,000.00

If the property is vacant and/or abandoned, fumigation by a professional extermination company may be coordinated. Services may

include but are not limited to removal of vermin or other animals, termite inspection and / or

treatment.

Occupancy Inspection Fee 1, 2

Up to $60.00

Occupancy inspections are performed to determine if the property is occupied/vacant and appropriately maintained. This includes drive-by,

door knock, etc.

Preservation Inspection Fee1, 2, 3, 5, 10

Up to $5,000.00 Preservation Inspections are performed to verify the property condition in accordance with local/state ordinances/building codes. Inspections types included but not limited

to, roof, termite, plumbing, structural, etc. as performed by specialized inspectors.

Property Registration Fee 12

Up to $7,500.00 The fee is charged to register a property with the municipality/county/city/state based on the

various requirements/ordinances

Lawn Care/Snow Removal Fee 1, 2, 3, 5, 10

Up to $550.00

If the property is vacant and/or abandoned, contractors may be retained to perform lawn care or snow removal. Services may include periodically

watering, trimming shrubs and/or cutting the grass. Snow removal may include removing snow

from the entry walk, porch and/or driveway.

Mold Remediation or Treatment Fee

1, 2, 3, 5, 9, 10

Up to $10,000.00 Services may be provided to treat or remediate mold or mold related damage in an attempt to

prevent further damage and/or deterioration of the property. Molds, fungus, mildew, and similar organisms ("Mold Conditions") may exist in the

Property of which the Servicer is unaware and has no actual knowledge. No representation or

warranty is made in regard to the effectiveness of any treatment or remediation action which may

be taken.

Plumbing, Electrical, Heating & Cooling

System Maintenance & Repair Fee 1, 2, 3, 5, 10

Up to $ 1,500.00

If the property is vacant and/or abandoned, we may have contractors repair and/or maintain the systems on the property including the plumbing,

electrical, heating & cooling systems.

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Process Server Fee 7 Up to $1,420.00

We may have a process server who notifies all parties of interest of legal action in accordance

with appropriate legal standards.

Publication / Posting Fee 8

Up to $3,000.00 Costs associated with advertising or publishing the notice of a foreclosure sale.

Securing In-Ground and Above Ground Pools, Spas, Jacuzzis and Hot

Tubs Fee 1, 2, 3, 5, 10

Up To $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may secure pools, spas,

Jacuzzis and/or hot tubs. Services may include but are not limited to securing, covering, draining, disassembling, chlorinating and/or boarding.

Securing the Property Fee 1, 2, 3, 5, 10

Up to $2,500.00

If the property is discovered to be vacant and / or abandoned, contractors may be hired to secure the property. Services may include, but are not

limited to, an initial secure of the property and, re-keying locks, securing doors; installing slide bolts,

locks, barrel bolts, deadbolts and padlocks; installing security doors with padlocks; and/or boarding or bracing garage doors or windows.

Title Costs Fee 1, 2, 11 Up To $2,000.00

Title Costs can include (1) fee for title report, utilized by the trustee or foreclosure attorney, (2) a fee for the title search or abstract of title, and (3)

a continuation of title report fee for the foreclosure attorney / trustee to use as a basis for

securitizing title and to identify persons with an interest in the property.

Utilities Fee 4 Up to $2,300.00 If the property is vacant and/or abandoned, water, electric and/or gas utility payments may be paid

directly to the utility company and charged against the loan for the same amount.

Winterize / De-winterize Fee

1, 2, 3, 10

Up to $400.00

If the property is vacant and/or abandoned, steps may be taken to protect the property from winter elements. Services may include but are not limited

to, draining plumbing and heating systems, maintaining water services to houses where a community water service is involved, and/or

turning off water supply to the property, etc. and may include the use of air pressure and/or adding

anti-freeze to prevent freeze-ups.

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Footnotes: 1. The fee amount is based on the market price for such services in a particular state/locale. 2. There may be an additional charge if the service is performed on a rush basis or if ongoing maintenance is

required. 3. The fee may exceed the state range under extraordinary situations including, but not limited to,

nonconforming properties, proposed construction, beach, canyon, rural and remote locations, atypical large gross living areas and over-improvements.

4. Utility fees are passed through based on actual utility company billing. Charges can vary widely depending on the circumstances, including the billing rates or consumption rate.

5. Charges vary depending on local ordinances. 6. This category of costs and fees represents two types of charges: the actual cost charged by the attorney or

trustee for work performed and related expenses, including but not limited to filing fees, court costs or other administrative or direct pass thru expenses, which may be assessed by the Courts. The costs charged for the worked performed can vary based on the amount of time spent or the issues raised during the process, among other factors. Costs could exceed the stated range depending on the circumstances, including but not limited to the jurisdiction, local practice, the legal rates in the location, the character of the proceeding, whether the matter is contested, the course of any bankruptcy or fore closure proceeding, multiple filings, and objections to plans. This is the typical fee range for handling a routine matter. Fees may exceed this range for multiple filings, contested matters, multiple interested parties, and otherwise non-routine matters. Actual fees will be based on market rates, actual time spent on the matter, and issues raised during the process The cost range reflects the actual market price for services rendered, and may exceed this range for multiple filings, contested matters, multiple interested parties, and otherwise non-routine matters.

7. Process server fees vary based on several factors including the number of parties that must be served and the difficulty of achieving service (e.g., the fee may be higher if a party is avoiding servicer, is difficult to locate or distant from the forum).

8. Publication/posting fees vary based on the publication method used, which may be set by local or legal requirements, among other factors. In certain cases, the actual publication cost may exceed the stated range based on local publication rates, publication requirements, and length of required advertisement.

9. The amount for these costs varies widely and is dependent on many factors, including but not limited to the nature and extent of the work performed or services provided, the location of the property, size of the residence, and character of the infestation or contamination.

10. The fee may exceed the stated range under extraordinary situations including but not limited to, emergency services, large lots, extensive landscaping, non-standard size, condition, or damage of the systems, property, or location involved, the amount of personal property, local ordinances, or the term during which the property remains subject to default.

11. In certain cases, the actual title cost may exceed the stated range based on the number of properties, amount insured, number of searches required, and otherwise non-routine matters.

12. Charges vary depending on local ordinances and municipality or county requirements.

• The frequency of the charges will depend on how often services are requested or required, the payment status and both investor and legal requirements.

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• Default fees and costs follow state and local requirements as well as investor and insurer guidelines, which often vary based on loan type, outstanding balance, payment status as well as property location, size and condition.

• Default and Bankruptcy fees reflect the amount of the invoice paid to third party vendors (including, in some cases, affiliates) for a service performed.

• Sales tax will be charged to the borrowers as per the state requirements on the eligible services.