Monthly Mortgage Summary Georgia Department of Banking & Finance ~ Non-Depository Financial Institutions Division Monthly Summary of Mortgage Activities for the Period Ending September 2015 Inside this Issue: Streamlined 2 Renewals-- Mortgage Company Licensees, Registrations & Branches Georgia Renewal 3 Fees Streamlined 4 Renewals-- Mortgage Loan Originators Mortgage License 4 Expiration Supervisory 5 Manager Janet Anderson Retires Mortgage Call 5 Report Reminder Department Issues 5 Proposed Rulemaking and Provides Opportunity to Comment Is Your E-Mail 6 Address Correct? Administrative 6 Actions Fine Information 6 Appendices: Mortgage Company Activity by License Status Mortgage Loan Originator Activity by License Status Georgia's Mortgage Renewal Checklist Georgia's mortgage license renewal checklist has been posted to the NMLS Resource Center. Please review the checklist for information on the requirements to renew your license. To avoid a late fee, please renew between November 1 and December 1, 2015. Georgia Renewal Checklist Link To complete a renewal request you must continue to meet all licensing requirements of the Georgia Residential Mortgage Act, O.C.G.A. 7-1-1000, et seq. If you still meet these requirements, attest to that fact and submit a renewal request through NMLS. Click the Annual Renewal link on the home page of the NMLS Resource Center to get started. If you have any questions about renewing your Georgia mortgage license(s) through NMLS between November 1, 2015, and December 1, 2015, please email: renewal@dbf.state.ga.us. 2016 Mortgage License/Registration Renewal Timeline All individuals and companies holding a Georgia license or registration must submit a renewal request through NMLS starting November 1st if they wish to retain their license to conduct business in Georgia in 2016. Mortgage branches must also be renewed through NMLS. CE Deadline Renewal Period Begins Renewal Period Ends October 31 November 1 December 1 Mortgage Broker Licensees and MLOs NMLS opens renewal functionality Late Renewal Begins December 2 Late Renewal Application Fees: $100 (MLO) and $300 (Company) Late Renewal Ends December 31 NMLS closes renewal functionality. No renewal requests can be submitted after December 31. Expiration January 1 Expired licensees and registrants must re-apply for licensure or registration to be reinstated. Page 2 September 2015 Streamlined Renewals --Mortgage Company Licensees, Registrations & Branches All companies holding a Mortgage Broker or Lender License or Registration in Georgia must submit a renewal request through NMLS between November 1 and December 1, 2015. The late renewal period is between December 2 and December 31, 2015; companies will be assessed a $300 late fee during this period. The NMLS Streamlined Renewal Process allows your company to conveniently manage the renewal of company, branch, and sponsored Mortgage Loan Originator (MLO) licenses through your organization's NMLS account. Actions Required: Records must be up to date at the time of renewal. Amendments to license information CANNOT be made through the renewal feature. If you need to make changes to a company, branch, or individual record before you attest to its accuracy for renewal, this must be done prior to submitting a renewal request through the Filing tab. It is strongly recommended that you submit updates immediately to allow sufficient time for review. Additionally, you should review license statuses and confirm that there are no outstanding license items that need to be cleared. NOTE: Waiting until November or December to submit amendments and/or clear outstanding license items will delay the approval of your renewal request. Easy Steps for Renewal: To complete a renewal request: Continue to meet all licensing requirements of the Georgia Residential Mortgage Act (O.C.G.A. 71-1000 et seq.) If your company continues to meet these requirements: Attest to that fact and submit a renewal request through NMLS. Pay the required statutory license renewal fees and NMLS transaction fees (see fee information below). The NMLS Resource Center has valuable tools to assist in the NMLS 2016 Streamlined Renewal Process, including a license renewal handbook/navigation guide, training materials, links to states that are participating in the process, as well as the 2016 Renewal Checklists. Click the Annual Renewal link on the home page of the NMLS Resource Center. ADDITIONAL INFORMATION REGARDING RENEWAL REQUIREMENTS Mortgage Call Report Your company's Mortgage Call Report (MCR) must be submitted through NMLS for the appropriate quarter (s). No MCR deficiencies can be outstanding. Your renewal request will not be approved if MCR filings are incomplete. Attestation Company and Individual Companies may log onto the NMLS website and complete the attestation process and request renewal starting November 1st. Attestation is a company's legal certification that: (i) company and branch NMLS records are up to date, (ii) renewal requirements have been satisfied, and (iii) the company meets all license renewal eligibility requirements. Companies are required to complete an attestation pertaining to company and branch renewal requests selected for submission each time the Company Renewals Cart is submitted. NOTE: All licensed individuals MUST log in to their NMLS account and attest to their personal license information and compliance with renewal requirements for each regulator before a renewal request can be submitted for a license held with the regulator. Companies cannot attest to an individual's MLO license. Once attestation is complete, either the individual MLO or the sponsoring company can submit a renewal request for the license. Control Persons (Form MU2) do not need to attest to their record as part of a company's renewal submission. Renewing Sponsored MLOs If your company will be submitting and paying the renewal request for sponsored MLOs, you can submit the request(s) through the Renewal tab in NMLS. The individual must first attest that they continue to meet all licensing requirements, including all continuing education requirements, and that their record is up to date before you can request renewal of their license. Each individual is required to have completed 8 hours of Continuing Education prior to being able to submit their renewal request through NMLS. For information on available courses, see the Professional Standards section of the NMLS Resource Center. September 2015 Page 3 Streamlined Renewals --Mortgage Company Licensees, Registrations & Branches (Continued from page 2) Mortgage Broker Licensees Only The Mortgage Broker License CE deadline is October 31, 2015. Please refer to the email you received from the Department with instructions on how to report your CE's. The Department will prevent from renewing any Mortgage Broker Licensee that has failed to report their CE's. Renewal Submissions Deadlines Renewal requests may be submitted starting November 1st and should be submitted no later than December 1. If you have licenses you do not intend to renew, you must notify the Department by selecting the "Do Not Renew" option. NMLS WILL NOT ACCEPT RENEWAL SUBMISSIONS AFTER December 31, 2015 (EASTERN TIME). Please note the time zone difference of your location. Fees In addition to Georgia annual renewal fees, NMLS charges processing fees of $100 per company license, $20 per branch license, and $30 per loan originator license. These fees must be paid electronically through NMLS upon submission of the license renewal request. Processing fees cover NMLS' operations, including system access, financial statement functionality, access to reports, the ability to maintain and renew licenses, and call center support. Training Renewal workshops will be conducted by the State Regulatory Registry, LLC to review the NMLS 2016 Streamlined Renewal Process. The optional workshops will provide licensees and applicants with tips on how to use the NMLS during the 2016 Streamlined Renewal period. The fee for these workshops is $75. To register for one of the workshops, visit the State-Licensed Training Workshops page on the NMLS Resource Center. Georgia Renewal Fees Mortgage Broker/Processor License or Registration Mortgage Lender License or Registration Mortgage Branch Approval Mortgage Loan Originator $400 annual license fee $900 annual license fee n/a $100 annual license fee These fees must be paid electronically through NMLS upon submission of the license renewal request. Requests must be submitted by December 1, 2015 for a timely renewal. Renewal requests submitted on or after December 2nd will be considered late and will be subject to an additional $300 (Company Licensees and Registrations) or $100 (MLO) late renewal application fee that will be invoiced through NMLS. The above fees do not reflect NMLS processing fees. COMMONLY USED ACRONYMS CE -- Continuing Education Department -- Ga. Department of Banking and Finance GRMA -- Georgia Residential Mortgage Act MCR -- Mortgage Call Report MLO -- Mortgage Loan Originator NMLS or NMLSR -- Nationwide Mortgage Licensing System & Registry O.C.G.A. -- Official Code of Georgia Annotated Page 4 September 2015 Streamlined Renewals --Mortgage Loan Originators All individuals holding a Georgia Mortgage Loan Originator License (MLO) with the Department must renew their license through NMLS between November 1, 2015 and December 1, 2015 if they wish to retain their license to conduct business in Georgia in 2016. The late renewal period is between December 2, 2015 and December 31, 2015; late renewals incur a $100 late fee. You will be prevented from renewing your license if you have not completed your CE requirements for 2015. For information on available courses, see the Professional Standards section of the NMLS Resource Center. Some states have additional requirements; see the CE Requirements Chart located on the NMLS Resource Center. Records must be up to date at time of renewal. Amendments to your record CANNOT be made through the renewal feature. If you need to make changes to your record before you can attest to its accuracy, we strongly recommend submitting any necessary updates through the Filing tab immediately to allow sufficient time for the review of changes prior to renewal. In addition, you may wish to review your status and confirm that you have no outstanding license items that need to be cleared. NOTE: Waiting until November or December to submit amendments and/or clear outstanding license items may delay the approval of your renewal request. Renewal Requirements To complete a renewal request, you must continue to meet all licensing standards for Georgia. If you continue to meet these standards, the Department requires you the attestation of the accuracy of your record, payment of renewal fees (see fee information below), satisfaction of all outstanding license items and submission of your renewal request through NMLS. Continuing Education You must have your eight (8) hours of Continuing Education (CE) complete prior to being able to renew your license through NMLS. Reminder: Georgia's CE deadline is October 31, 2015; a $100 late CE fee will be assessed if the requirement is not met by the deadline. Attestation and Renewal Request Submission Starting November 1st, you must log in to your NMLS account and attest to your record. Attestation is your legal certification that: (i) your NMLS record is up to date, (ii) renewal requirements have been completed, and (iii) you meet all renewal eligibility requirements. Once attested, either you or your sponsoring company can submit your renewal request. Requests must be submitted by December 1 to avoid the additional $100 late renewal fee. NMLS WILL NOT ACCEPT RENEWAL SUBMISSIONS AFTER December 31, 2015 (EASTERN TIME). Please note the time zone difference of your location. Fees In addition to the $100.00 annual license fee that will be charged by Department, NMLS charges a processing fee of $30 which must be paid electronically through NMLS upon submission of the renewal request. If you have questions, please refer to Georgia's Renewal Checklist. Mortgage License Expiration Georgia expires all licensees, registrations and branches that have not submitted a complete renewal application by December 31, 2015. Licensees who submit a complete renewal application will remain in an Approved status until a decision has been made on the renewal application. NMLS WILL NOT ACCEPT RENEWAL SUBMISSIONS AFTER MIDNIGHT (12:00AM) EST on December 31, 2015. Please note the time zone difference of your location. September 2015 Page 5 Supervisory Manager Janet Anderson Retires Janet Anderson Supervisory Manager Janet Anderson retired effective September 30, 2015, after 21 years of faithful service to the State of Georgia. Janet began her career with the Department in 1987 entering Currency Transaction Reports (CTRs). In 1989, her family moved to Arizona, but she returned to Georgia and to the Department in 1996 as a secretary for the Mortgage Division. Janet found her way to the Non-Depository Financial Institutions Division's licensing section where her dedication to service and attention to detail were unmatched. In 2009, Janet was promoted to her current position as Supervisory Manager Licensing. She was instrumental in the Department's transition of its mortgage brokers and lenders to the Nationwide Mortgage Licensing System and Registry (NMLSR) in 2008. Janet later directed the implementation of a newly legislated mortgage loan originator license overseeing 6,500 initial applications in 2010. Janet has served as the Terminal Agency Coordinator (TAC) for the Department since 2002, responsible for ensuring the Department's compliance with state and federal policies, regulations and laws established by Georgia Crime Information Center and the FBI. Janet has a Bachelor of Arts degree from Ambassador College. Congratulations Janet! We wish you the best in your well-deserved retirement! Mortgage Call Report Reminder This is a reminder that the Mortgage Call Report ("MCR") required by O.C.G.A. 7-1-1004.1 is due within 45 days of the end of every calendar quarter. Third quarter data (July 1 September 30, 2015) must be filed through the NMLSR by November 14, 2015. Companies that fail to file quarterly MCRs prior to the deadline will be assessed a fine and may subject their Georgia license to revocation. Failure to file a timely MCR will also delay the processing of your renewal application. For more information about the requirements surrounding the MCR, please refer to the NMLSR website at: http://mortgage.nationwidelicensingsystem.org/slr/ common/mcr/Pages/default.aspx Department Issues Proposed Rulemaking and Provides Opportunity to Comment On September 24, 2015, Pursuant to the provisions of the Georgia Administrative Procedure Act, O.C.G.A. 50-13-1 et seq., and by the authority of O.C.G.A. 7-161, 7-1-1012, 7-9-13 and other cited statutes, the Department of Banking and Finance hereby gives notice of its intent to adopt new rules. To read the proposed rules or to learn where to submit comments, go to the following URL on the Department's website: http://dbf.georgia.gov/ documents/2015-dbf-proposed-rulemaking-9-24-2015. Comments to the Department of Banking and Finance must be received by the close of business on Monday, October 26, 2015. Page 6 September 2015 Is Your E-Mail Address Correct in NMLS? Licensees must keep their e-mail addresses updated on the NMLS at all times -- MU1 filings for companies and MU4 filings for individuals. Essentially all communication from our Department is through e-mail. If your e-mail address is not correct in the NMLS, you may miss valuable information that could adversely affect your license. The Department is not responsible for any missed communications if your e-mail address is not correct or if our e-mails go to junk/spam or trash folders. Administrative Actions GRMA# NAME Gilley, Colleen CITY Ringgold ST ACTION TYPE GA Order to Cease and Desist ISSUED FINAL 05/29/2015 09/17/2015 Fine Description Background Checks Employment of a felon GRMA fees paid late Grand Total Fine Summary Information Fine Count 1 1 7 9 HOLIDAY CLOSING This is a reminder that the Department will be closed on Monday, October 12th for Columbus Day. September 2015 Georgia Department of Banking and Finance 2990 Brandywine Road Suite 200 Atlanta, Georgia 30341-5565 Phone: (770) 986-1269 Fax: (770) 986-1029 or 1655 Email: dbfmort@dbf.state.ga.us We're on the Web! dbf.georgia.gov Page 7 The Department is the state agency that regulates and examines Georgia statechartered banks, state-chartered credit unions, and state-chartered trust companies. The Department also has responsibility for the supervision, regulation, and examination of Merchant Acquirer Limited Purpose Banks (MALPBs) chartered in Georgia. In addition, the Department has regulatory and/or licensing authority over mortgage brokers, lenders and processors, mortgage loan originators, check cashers, sellersissuers of payment instruments, money transmitters, international banking organizations, and bank holding companies conducting business in Georgia. Our Mission is to promote safe, sound, competitive financial services in Georgia through innovative, responsive regulation and supervision. Our Vision is to be a willing and able partner with our regulated entities in order to support vibrant and economic growth and prosperity in Georgia. Sign-up to Receive this Publication This monthly publication highlights topics and activities pertaining to the Department's regulation of state-licensed or registered mortgage brokers, lenders and loan originators. It is delivered to interested parties via e-mail and is also available from the Department's website at: http://dbf.georgia.gov under Publications, Mortgage Summary. If you would like to be added to our distribution list, send an e-mail to dbfpress@dbf.state.ga.us stating your name and e-mail address. Please be sure to include "Subscribe to Monthly Mortgage Summary" in the Subject line. MORTGAGE COMPANY APPENDIX License Status Approved Denied Revoked Terminated Expired Terminated Ordered to Surrender Terminated Surrendered/Cancelled Definition The entity has an Approved license. The entity applied for a license and the request was Denied. The entity's license was Revoked and the entity is no longer authorized to conduct business. The entity failed to renew. Alternatively, this license status is also used for MLOs that were suspended by administrative action for failing to meet Georgia's sponsorship requirement. An entity has been ordered to surrender their approved license. The entity is not authorized to conduct business. The entity has requested a surrender/cancelation of their license and the regulator has granted this surrender/ cancelation request. MORTGAGE COMPANY ACTIVITY BY CURRENT LICENSE STATUS GRMA# NMLS Company Name Approved 46361 1154338 FreeRateUpdate.com LLC 47140 1370396 Waterfall Victoria Master Fund, Ltd. 47218 177087 DIRECTORS FINANCIAL GROUP 47246 2024 First Mortgage Company, L.L.C. 47419 1407612 Capital Mortgage Solutions LLC Date License Name 09/10/2015 09/10/2015 09/24/2015 09/17/2015 09/25/2015 GA Mortgage Broker/Processor License GA Mortgage Lender License GA Mortgage Lender License GA Mortgage Lender License GA Mortgage Broker/Processor License City Chadds Ford New York Newport Beach Oklahoma City Marietta State 5 PA NY CA OK GA Terminated - Surrendered/Cancelled 12840 168992 Equity Mortgage Corportion of Georgia 23090 98161 Ditech Mortgage Corp 33265 837915 Discover Home Loans, Inc. 43354 330511 Avex Funding Corporation 09/28/2015 09/02/2015 09/29/2015 09/17/2015 GA Mortgage Broker/Processor License GA Mortgage Lender License GA Mortgage Lender License GA Mortgage Lender License 4 Atlanta GA Fort Washington PA Irvine CA Milpitas CA Mortgage Company Appendix 1 of 1 MORTGAGE LOAN ORIGINATOR APPENDIX License Status Approved Denied Revoked Terminated Expired Terminated Ordered to Surrender Terminated Surrendered/Cancelled Definition The entity has an Approved license. The entity applied for a license and the request was Denied. The entity's license was Revoked and the entity is no longer authorized to conduct business. The entity failed to renew. Alternatively, this license status is also used for MLOs that were suspended by administrative action for failing to meet Georgia's sponsorship requirement. An entity has been ordered to surrender their approved license. The entity is not authorized to conduct business. The entity has requested a surrender/cancelation of their license and the regulator has granted this surrender/ cancelation request. MLO ACTIVITY BY CURRENT LICENSE STATUS GRMA# NMLS Entity Name Approved 25553 27127 27569 27665 28775 30889 33504 33953 35193 35765 36829 37378 37588 39434 39721 39776 40164 41724 42028 42537 42726 42739 43433 114090 231697 276286 200155 65233 260224 621032 838707 269305 201875 829111 894327 1030247 918933 1104916 1109815 87674 420054 67158 1118287 926842 1077582 445906 Laurence F Delbridge II KEVIN SCOTT WALKER Joshua Aaron Tatum Anthony Lee Smothers Ryan Kenneth Veracka Caitlin Elizabeth Boutin Baljinder Kaur Mendels Kevin James Ruzylo Thomas Gerald Grundy Chris Allen Ward Michael Anthony Belt Chad Michael Usner Kimberly Vann Bitzer Jason Christopher Chambers Sun Hee Kim Christopher Lamont Craft Michael Andrew Shepard Matthew Garett Perry Dennis Ralph Costa Andrew James Pinzon Larry G Stipe Michael Rae Khoury Gary Lee McCoy License Status Date Current Sponsoring Company Name (As of 10/06/2015) 263 09/01/2015 MLD Mortgage Inc. 09/03/2015 Primary Residential Mortgage, Inc. 09/28/2015 Freedom Mortgage Corporation 09/08/2015 Primary Residential Mortgage, Inc. 09/28/2015 MLD Mortgage Inc. 09/04/2015 RMC Mortgage Corporation 09/28/2015 Prospect Mortgage, LLC 09/28/2015 Quicken Loans Inc. 09/03/2015 Freedom Mortgage Corporation 09/28/2015 Responsible Reverse Mortgage Inc 09/21/2015 MERIDIAN HOME MORTGAGE CORPORATION 09/15/2015 CrossCountry Mortgage, Inc. 09/28/2015 Movement Mortgage, LLC 09/17/2015 Urban Financial of America, LLC 09/30/2015 Nationstar Mortgage LLC 09/08/2015 Carrington Mortgage Services, LLC 09/29/2015 Freedom Mortgage Corporation 09/30/2015 NATIONS LENDING CORPORATION 09/04/2015 Cardinal Financial Company, Limited Partnership 09/28/2015 NATIONS LENDING CORPORATION 09/03/2015 Home Point Financial Corporation 09/21/2015 J.G. Wentworth Home Lending, Inc. 09/17/2015 Carrington Mortgage Services, LLC MLO Appendix 1 of 11 GRMA# NMLS Entity Name 45757 45888 46165 46392 46539 46780 46784 46890 46984 47010 47093 47111 47134 47153 47173 47177 47180 47225 47238 47251 47253 47258 47259 47266 47274 47277 47282 47290 47295 47298 47325 47326 47342 47348 47353 47356 47357 281689 843426 1338324 1284544 84747 1025430 6762 418796 1110096 1379348 871622 1271729 1382064 718726 232356 1065187 1387934 35022 1387117 13898 1181664 232065 1190981 1393748 7649 1392090 1074538 1398307 1387302 1398301 92237 27505 362476 965245 1251472 563720 1125354 David Charles Clarke Christopher Alan Boxall David Nelson Kilpatrick Kimberly Christine Jones Conan Van Watters Kyle Matthew Delgleize Kevin James Elliott Susan Kaye Weil Jonus Ben Jr. Kerry Joseph Grimm James Robert Edwards Michael Venezuela William Wonderley Willis Leah J Roberson Devin Anthony Dubuc Valarie Deliz Sappenfield Jared Jerome Williams Gail Knight Rabindra Khatri CHRISTIAN DAMON KLEMASH Kelly O'Grady Morris William Charles Spencer Jr Tassapat Sripetcharakool Ryan Tyler Anderson Christopher Earl Hobson Terrance Douglas Roth Nathaniel Brandt Barlow Tyler Jackson Kent Chi Young Park Ross Alan Starrh Charles Marceli Sikorski Kelli Lynn Surma Dennis James Loxton James E Van de Veire Taneka Burris James Earl Hamilton George Jacob License Status Date Current Sponsoring Company Name (As of 10/06/2015) 09/03/2015 First Mortgage Solutions, LLC 09/28/2015 Carrington Mortgage Services, LLC 09/03/2015 Envoy Mortgage Ltd 09/30/2015 American Advisors Group 09/28/2015 Primary Residential Mortgage, Inc. 09/28/2015 Lenox Financial Mortgage Corporation 09/17/2015 Rushmore Loan Management Services LLC 09/08/2015 Freedom Mortgage Corporation 09/08/2015 HAMILTON GROUP FUNDING, INC. 09/01/2015 Embrace Home Loans, Inc. 09/08/2015 Paramount Residential Mortgage Group, Inc. 09/28/2015 Paramount Residential Mortgage Group, Inc. 09/04/2015 Live Well Financial, Inc. 09/03/2015 Homestar Financial Corporation 09/28/2015 Mid America Mortgage, Inc. 09/08/2015 Mid America Mortgage, Inc. 09/10/2015 American Advisors Group 09/03/2015 First Rate Mortgage Corporation 09/08/2015 Nationstar Mortgage LLC 09/08/2015 Freedom Mortgage Corporation 09/04/2015 HomeBridge Financial Services, Inc. 09/02/2015 Mariner Finance, LLC 09/03/2015 MLD Mortgage Inc. 09/10/2015 Mortgage Research Center, LLC 09/24/2015 DIRECTORS FINANCIAL GROUP 09/03/2015 Mortgage Lenders of America, LLC 09/03/2015 Alcova Mortgage LLC 09/02/2015 First Direct Lending, LLC 09/08/2015 First Direct Lending, LLC 09/29/2015 First Direct Lending, LLC 09/01/2015 Freedom Mortgage Corporation 09/03/2015 Quicken Loans Inc. 09/29/2015 Success Mortgage Partners, Inc. 09/22/2015 09/09/2015 Cardinal Financial Company, Limited Partnership 09/10/2015 09/17/2015 Seterus, Inc. MLO Appendix 2 of 11 GRMA# NMLS Entity Name 47360 47362 47364 47366 47369 47372 47373 47374 47377 47379 47380 47385 47387 47390 47391 47392 47394 47395 47400 47401 47404 47405 47406 47407 47408 47409 47411 47413 47414 47415 47416 47417 47418 47420 47421 47422 47423 1294651 1376527 275795 1396801 1392612 664575 249345 146628 93700 1391689 1375660 1387483 235374 1380518 1390480 1180822 998946 1376247 1391518 1357178 1229344 1387588 1159730 1127138 1117348 1321875 1367079 1390481 506616 79890 1376124 1107388 1222809 853387 169014 406079 1387559 Shawn Jason Phillips Fairen G Wells Brian Thomas Ahern Sandra Ann Compton Anuja Dixit Elden Kay Lewis Jerome Lee Lucero Scott Cohn Moore Mark Rimedio Ashley Nicole Slaughter Jason Daniel Wenzel Taruni Arora Gabriel Adam Bodner Shane Michael Dybas Tyler Petersen Ford Chante Briana Freeman Mary Katherine Jennings Andrew Kenneth John Daniel Craig Scott Nicholas Daniel Ware III michael P zamarripa Brian Scott Ciecirski Russell Anthony Cox Taylor Edward Doane Michael David Herter Jasmine Rhazia Holliday Kari Marie Johnston Robert Michael Maxwell Lori Rhae McGinnis Ryan Douglas Pettit Jesse Keegan Rosselot Ali Moussa Soueidan Melissa Brooke Ziegler Alyssa B. Bergman John Randall Burley Timothy Michael Cameron Ryan Harrison Cavanagh License Status Date Current Sponsoring Company Name (As of 10/06/2015) 09/08/2015 Carrington Mortgage Services, LLC 09/18/2015 Macon Mortgage, Inc. 09/02/2015 Taylor Morrison Home Funding, LLC 09/03/2015 Primary Capital Mortgage, LLC 09/04/2015 American Advisors Group 09/08/2015 Freedom Mortgage Corporation 09/17/2015 Indigo Mortgage, LLC 09/21/2015 1st Signature Lending, LLC 09/28/2015 Cardinal Financial Company, Limited Partnership 09/04/2015 Movement Mortgage, LLC 09/09/2015 Quicken Loans Inc. 09/10/2015 Quicken Loans Inc. 09/18/2015 LendingHome Funding Corporation 09/02/2015 Freedom Mortgage Corporation 09/08/2015 Freedom Mortgage Corporation 09/18/2015 Acceptance Capital Mortgage Corporation 09/03/2015 Carrington Mortgage Services, LLC 09/08/2015 Quicken Loans Inc. 09/03/2015 Reverse Mortgage Solutions, Inc. 09/03/2015 Everett Financial, Inc. 09/08/2015 Trinity Reverse Mortgage 09/02/2015 Quicken Loans Inc. 09/02/2015 Quicken Loans Inc. 09/02/2015 Quicken Loans Inc. 09/02/2015 Quicken Loans Inc. 09/04/2015 Freedom Mortgage Corporation 09/02/2015 Quicken Loans Inc. 09/08/2015 Freedom Mortgage Corporation 09/16/2015 New Castle Mortgage, LLC 09/10/2015 Carrington Mortgage Services, LLC 09/02/2015 Quicken Loans Inc. 09/15/2015 Quicken Loans Inc. 09/02/2015 Quicken Loans Inc. 09/11/2015 UNITED SECURITY FINANCIAL CORP 09/29/2015 Cardinal Financial Company, Limited Partnership 09/02/2015 PennyMac Loan Services, LLC 09/02/2015 Quicken Loans Inc. MLO Appendix 3 of 11 GRMA# NMLS Entity Name 47425 47426 47427 47428 47429 47430 47431 47432 47433 47434 47435 47436 47437 47438 47440 47441 47442 47443 47444 47445 47448 47450 47452 47454 47455 47457 47458 47459 47460 47461 47462 47463 47465 47467 47468 47469 47470 1379967 1379968 1373397 1154446 1398257 1298540 1367256 1334046 1387404 1376114 411397 1385560 474306 1387438 1141509 1374360 1382071 1392038 156333 1387394 1237788 1366677 1225011 1403176 1356207 351301 1403193 1359291 30074 1375283 1392749 16263 1382201 1387722 1403199 1212009 1403168 Jeahan Tracy Coleman Chantille Kendall Jennifer Marie Kilpatrick Werdell Kirk Jason Ashley Lowey Barbara Jean Marucci Kevin Nicholson James Alan Peterson Andrew Mark Reitinger Joshua Michael Sexton Patricia Marie Small Terry Wayne Summey Mark H. Tibshrany Duy Lu Duc Vo Jon Barajas MIles David Beauparlant Zoi Ashton Bell Ronald Lee Boone Jr Angelo Christian Dorlan Duan Fedrick Jr Jeremy Cecil Price Maura Rose Weir James Robert Blum Danielle Marie Brown Jacqueline Cabrera Stephen Konstantine Collias Brendan Henry Corcoran Alan A De La Vega Rodriguez Robert Ritchie Dobson IV Cody Wyatt Dulaney Maria Edwards Stephen Paul Falchetta Cory Charles Garone Ahmad Ali Kanan Celestin Mbome Kane Jasua Lemans Kimbrough Charles Augustus Lynch License Status Date Current Sponsoring Company Name (As of 10/06/2015) 09/15/2015 Barrons Mortgage Group, Ltd. 09/15/2015 Barrons Mortgage Group, Ltd. 09/03/2015 Envoy Mortgage Ltd 09/10/2015 CIS Financial Services, Inc. 09/17/2015 Guild Mortgage Company 09/10/2015 Home Point Financial Corporation 09/03/2015 Quicken Loans Inc. 09/10/2015 Home Point Financial Corporation 09/03/2015 Quicken Loans Inc. 09/03/2015 Quicken Loans Inc. 09/09/2015 Homestar Financial Corporation 09/28/2015 Guild Mortgage Company 09/02/2015 Guild Mortgage Company 09/17/2015 Quicken Loans Inc. 09/08/2015 Homestar Financial Corporation 09/03/2015 Mortgage Research Center, LLC 09/04/2015 Live Well Financial, Inc. 09/08/2015 American Advisors Group 09/15/2015 Everett Financial, Inc. 09/08/2015 Quicken Loans Inc. 09/03/2015 Quicken Loans Inc. 09/03/2015 Quicken Loans Inc. 09/22/2015 Security America Mortgage, Inc. 09/17/2015 New Day Financial, LLC 09/29/2015 Venta Financial Group, Inc. 09/29/2015 Quicken Loans Inc. 09/17/2015 New Day Financial, LLC 09/29/2015 Carrington Mortgage Services, LLC 09/28/2015 Quicken Loans Inc. 09/08/2015 Quicken Loans Inc. 09/09/2015 Southeastern Mortgage Solutions, Inc. 09/23/2015 Freedom Mortgage Corporation 09/10/2015 Digital Risk Mortgage Services, LLC 09/08/2015 Quicken Loans Inc. 09/29/2015 New Day Financial, LLC 09/21/2015 Quicken Loans Inc. 09/17/2015 New Day Financial, LLC MLO Appendix 4 of 11 GRMA# NMLS 47471 47474 47475 47478 47479 47481 47487 47488 47489 47490 47492 47493 47494 47500 47501 47502 47503 47504 47505 47506 47507 47508 47510 47511 47513 47514 47515 47516 47517 47518 47519 47520 47522 47523 47524 47526 47527 1262610 1289348 206484 1403171 285166 1140506 1387260 955228 626306 1387695 1387711 1387725 1366334 1401450 244924 563742 475894 373983 1149610 1031986 60076 411959 1252650 1097351 1238172 1077319 1283378 387922 563499 1214399 925491 1239246 538426 1237774 1238331 1392729 1392714 Entity Name License Status Date Current Sponsoring Company Name (As of 10/06/2015) Anthony Raynor Mareglia 09/08/2015 Quicken Loans Inc. Kevin Michael O'Laughlin 09/08/2015 Everett Financial, Inc. Eric Dewar Preston Jr. 09/10/2015 Alliance Financial Resources, LLC Brittany Marie Smith 09/10/2015 New Day Financial, LLC JULIE ANN TAYLOR MS. 09/04/2015 CitiFinancial Servicing LLC Tammy Ann Wright 09/08/2015 Quicken Loans Inc. Jennifer Kay Boyer 09/08/2015 NATIONS LENDING CORPORATION Cameron Carl Burke 09/29/2015 Pacific Union Financial, LLC Alejandro Escalera 09/08/2015 Freedom Mortgage Corporation Christopher Anthony-Rommel Hab 09/18/2015 Quicken Loans Inc. Jovan Patrick Ingram 09/08/2015 Quicken Loans Inc. Muhammad Nour Khatib 09/08/2015 Quicken Loans Inc. Jocelyn Macias 09/08/2015 Quicken Loans Inc. Michelle W Campbell 09/28/2015 Augusta Mortgage Co. Connie Carroll-Lund 09/10/2015 Freedom Mortgage Corporation Michael James Dutko 09/08/2015 Carrington Mortgage Services, LLC Terry Patrick Fleming 09/28/2015 Live Well Financial, Inc. Jonathan Mark Gerken 09/08/2015 Provident Funding Associates, L.P. Benjamin Michael Gill 09/10/2015 Quicken Loans Inc. Patrick Gerard Holcomb 09/17/2015 Universal Mortgage & Finance, Inc. Dwight General Lewis 09/17/2015 Dwight G. Lewis Rodney Neal Long 09/11/2015 Mortgage Investors Group Anthony Allen Patterson 09/29/2015 Pinnacle Capital Funding Corporation Shazain Pervez 09/10/2015 Quicken Loans Inc. John Scerca 09/10/2015 Alliance Financial Resources, LLC Rachael Ann Szczepanski 09/10/2015 Quicken Loans Inc. Jeffery Scott Walker 09/11/2015 American Equity Mortgage, Inc. Friedrich Kennington Walter 09/21/2015 Total Mortgage Services, LLC Loren Evan Wurster 09/08/2015 Carrington Mortgage Services, LLC David Harry Zeh 09/11/2015 NATIONS LENDING CORPORATION Ali Anwar Al-Amine 09/15/2015 Quicken Loans Inc. Nicholas Sean Doggett 09/15/2015 Quicken Loans Inc. Ebuni Nicole Mosley 09/15/2015 Quicken Loans Inc. Iris Makeea Josie Nash 09/15/2015 Quicken Loans Inc. Christopher John Redmond 09/15/2015 Quicken Loans Inc. Samantha Lyn Branson 09/16/2015 Mortgage Research Center, LLC Zachary Tyler Brown 09/15/2015 Mortgage Research Center, LLC MLO Appendix 5 of 11 GRMA# NMLS Entity Name 47528 47530 47533 47534 47535 47536 47537 47541 47543 47544 47545 47546 47547 47548 47549 47554 47556 47557 47558 47560 47561 47563 47565 47568 47573 47575 47576 47577 47578 47580 47582 47585 47587 47588 47591 47598 47600 1081381 1336267 1399187 958075 1387630 1396450 1394176 1404280 1088995 1228364 1380520 883497 198103 1376086 1392476 1393203 1373944 949236 1384829 1097961 1384844 623950 353583 1390036 846669 1384849 1382784 1376248 1384826 1384838 1149770 1284023 1384831 612101 1222383 971586 977062 Alan Crummack Susanne Paige Dowdy Dongmei Liao Jose Manuel Macias Michelle Rebecca McGregor Christopher Jay Nunnally Brittney Anne Rathbun Kelly Ripley Steeley Sean Patrick Wilson Mathew Scott Arcand Logan Bradley Binder Ivanka Lubomirova Burgess David Thomas Caniff Michael James Comer Daquan Shamar Daniels AMA IHIM Kinsey Davis LaCrone Dawn-Marie Schell Christian Jacob Strauss Andrew Thomas Amato Rhema Okpetoritse Boyo Christopher James Cosgrove Jeffery Michael Frieman Michael Vinson Peek James Carragher Maria Fernanda Hurdle Clifton Stewart Jennings Joshua David Johnson Rudi Anise Jones Matthew Thomas Newman Sandra Saba Qasguargis Brian Andrew Benoit Kate Crossley Hamilton Martha L Hammer Sharon Elizabeth Ondercik Marisol Delgado David A Hernandez License Status Date Current Sponsoring Company Name (As of 10/06/2015) 09/28/2015 Cardinal Financial Company, Limited Partnership 09/28/2015 1st Franklin Financial Corporation 09/11/2015 Lincoln Capital Advisors, LLC 09/15/2015 One Reverse Mortgage, LLC 09/08/2015 Nationstar Mortgage LLC 09/17/2015 American Equity Mortgage, Inc. 09/17/2015 Home Point Financial Corporation 09/16/2015 Mortgage Research Center, LLC 09/16/2015 Bay Equity LLC 09/17/2015 Quicken Loans Inc. 09/17/2015 Freedom Mortgage Corporation 09/28/2015 Freedom Mortgage Corporation 09/17/2015 Quicken Loans Inc. 09/30/2015 Home Point Financial Corporation 09/16/2015 New Penn Financial, LLC 09/22/2015 Freedom Mortgage Corporation 09/17/2015 Homeside Financial, LLC 09/28/2015 HomeBridge Financial Services, Inc. 09/22/2015 Freedom Mortgage Corporation 09/17/2015 Quicken Loans Inc. 09/21/2015 Freedom Mortgage Corporation 09/29/2015 New Penn Financial, LLC 09/17/2015 Broker Solutions, Inc. 09/17/2015 Fairway Independent Mortgage Corporation 09/22/2015 MiLend, Inc. 09/28/2015 Freedom Mortgage Corporation 09/29/2015 Movement Mortgage, LLC 09/18/2015 Quicken Loans Inc. 09/28/2015 Freedom Mortgage Corporation 09/28/2015 Freedom Mortgage Corporation 09/17/2015 Quicken Loans Inc. 09/29/2015 LoanCare, LLC 09/21/2015 Freedom Mortgage Corporation 09/29/2015 On Q Financial, Inc. 09/18/2015 Quicken Loans Inc. 09/22/2015 Van Dyk Mortgage Corporation 09/22/2015 Stonegate Mortgage Corporation MLO Appendix 6 of 11 GRMA# NMLS Entity Name 47601 47603 47604 47609 47611 47616 47618 47619 47621 47623 47626 47627 47631 47636 47637 47639 47641 47642 47644 47645 47650 47651 47652 47653 47654 47656 47657 47659 47660 47662 47665 47666 47667 47668 47669 47671 47672 209083 1166246 1268724 1185683 1401192 1370626 1245880 1402578 1405467 1281479 984911 1087542 390339 1312406 1281584 1408499 582336 1198345 1127527 1388802 1033788 1406046 1308655 1198739 1399429 1385508 1369405 1018606 1408536 1374993 1190686 1406920 1406902 1190709 1406881 1387696 1406917 Joel A Kemp Charles Wesley Merritt Michael McClendon Sale Shereena Clarice Goodson Matthew Albert Vaughan Joseph Carl Cammauf Jr Darin Freeman Jobe Shyler Elizabeth King John David Presley David Scott Richman Jeffrey Curtis Stauning Jamie Catherine Walker Ayman Mahmood Akel Shane Anthony Miranda Brian Keith Royster William Michael Skiles Sharon Cain Wofford Scott Andrew Wood Bruce David Mut Steven Mark Pelts Tori Renee Crummack Mathew Ross Cunningham Brandon Eric Foy . Patrick Michael Hipkens Daniel James Hux Jeffrey Alan McCurdy Amy Rae McDermott-Fletcher Shanda Denise Prater Tanner Beck Smith Rebecca Fawn Wood Christopher Alan Brooks Jennifer Ashley Campbell Edward Carl Caprio Neil Edward Dyson Jessica Marie Fitzgerald Linda Donnia Hakim Michael David Harrison License Status Date Current Sponsoring Company Name (As of 10/06/2015) 09/18/2015 Synergy One Lending, Inc. 09/21/2015 Cardinal Financial Company, Limited Partnership 09/22/2015 Nationstar Mortgage LLC 09/23/2015 Digital Risk Mortgage Services, LLC 09/29/2015 Caliber Home Loans, Inc. 09/22/2015 NATIONS LENDING CORPORATION 09/22/2015 Mortgage Research Center, LLC 09/22/2015 iFreedom Direct Corporation 09/22/2015 Residential Mortgage Solutions, Inc. 09/22/2015 Carrington Mortgage Services, LLC 09/22/2015 Quicken Loans Inc. 09/22/2015 Quicken Loans Inc. 09/23/2015 Van Dyk Mortgage Corporation 09/23/2015 Mortgage Research Center, LLC 09/22/2015 Carrington Mortgage Services, LLC 09/23/2015 Mortgage Research Center, LLC 09/29/2015 Primary Residential Mortgage, Inc. 09/29/2015 Wyndham Capital Mortgage, Inc. 09/28/2015 Quicken Loans Inc. 09/28/2015 Quicken Loans Inc. 09/30/2015 Cardinal Financial Company, Limited Partnership 09/29/2015 CityWorth Mortgage LLC 09/29/2015 Carrington Mortgage Services, LLC 09/29/2015 Wyndham Capital Mortgage, Inc. 09/28/2015 Quicken Loans Inc. 09/29/2015 American Equity Mortgage, Inc. 09/24/2015 PennyMac Loan Services, LLC 09/29/2015 Silverton Mortgage Specialists, Inc. 09/24/2015 Mortgage Research Center, LLC 09/24/2015 Loan Simple, Inc. 09/28/2015 Quantum Servicing Corporation 09/29/2015 Primary Residential Mortgage, Inc. 09/24/2015 Mortgage Research Center, LLC 09/28/2015 Quantum Servicing Corporation 09/24/2015 Mortgage Research Center, LLC 09/28/2015 Quicken Loans Inc. 09/24/2015 Mortgage Research Center, LLC MLO Appendix 7 of 11 GRMA# NMLS Entity Name License Status Date Current Sponsoring Company Name (As of 10/06/2015) 47675 1023651 Britney Ann Lacy 09/28/2015 Quicken Loans Inc. 47676 1407046 Dicky Jay Leverton 09/30/2015 Mortgage Research Center, LLC 47678 1398630 Nakia Flaret Pittman 09/28/2015 One Reverse Mortgage, LLC 47680 1406929 Nathan Charles Anderson 09/29/2015 Mortgage Research Center, LLC 47688 1407334 Carolyn Kyle Sheafer 09/24/2015 Mortgage Research Center, LLC 47693 1313165 Matthew Maclain Fadler 09/28/2015 Mortgage Research Center, LLC 47697 1407052 Trevor Tashua Lally 09/28/2015 Mortgage Research Center, LLC 47700 1399374 Steven James Murray 09/29/2015 Quicken Loans Inc. 47703 1399314 Gabriel Joseph Pingitore 09/29/2015 Quicken Loans Inc. 47704 1399239 Victor Demonte Sanders 09/29/2015 Quicken Loans Inc. 47706 1398004 Katherine Elizabeth Spier 09/29/2015 New Penn Financial, LLC 47707 1372077 Paul Henry Timm 09/30/2015 R M K Financial Corp. 47711 1374524 Pete Dennis Costas III 09/30/2015 RoundPoint Mortgage Servicing Corporation 47712 1377352 David m curtin 09/29/2015 First Mortgage Solutions, LLC 47716 1399426 Breanna Agnes Hunter 09/30/2015 Quicken Loans Inc. 47717 1399449 Nathan Daniel Lijewski 09/30/2015 Quicken Loans Inc. 47720 1407383 Krista Dionne Moseley 09/30/2015 Mortgage Research Center, LLC 47721 1399316 Alexandria Elizabeth Petrossi 09/30/2015 Quicken Loans Inc. Denied 2 45878 46864 571554 1192069 Antonio Glenn Neal Damian JeVon London 09/30/2015 09/16/2015 MLO Appendix 8 of 11 GRMA# NMLS Entity Name Terminated - Surrendered/Cancelled 26673 26833 31246 31559 32207 32686 36722 36760 36781 37241 37359 39822 39997 40294 40328 40392 40645 41456 42262 42286 42960 42967 43235 43655 43751 43832 44113 44248 44249 44322 44323 44547 44653 44692 44912 213216 169252 389776 372708 609143 713818 912781 462958 815092 455197 1014872 187199 672040 232990 6309 913097 831307 1076821 1177937 1074487 1202077 235730 921189 1212085 206825 1220378 493461 1140178 1237730 1246087 884171 1195235 1231417 880032 17852 Kelley Michelle Sullivan Reid W. Carter Angela Speight Warren Robert Chris Joyce Jr. Marie Pike Christopher Ross Brady Philip Daniel Parker Daryn Tedric Gardner Christopher Eugene Folz Steven Todd Drumm Juan Ricardo De La Rosa Jr. Christopher David Johnson James David Blahut Jr. Teresa Ann Gallo Michael Scott Chiffone Moses Lee Dryden Blake Carlton Stark Ryan Layne Gulock Kristen Marie Heyes Joshua Christian Savage Kelly Dawn Taber Angela Golden Myron Keith Preble Seth Elden Robinette David O'Neal Daniel Laura Malone Spencer Dwayne Haney Chase J. Kelly Kyle Douglas Lemcke Volmar J Espinosa Fidel Gutierrez Christian Jay Werther Courtney Lynn Davis Taryn Shawntrea Cortright Jeremy Lance Branum License Status Date 09/04/2015 09/18/2015 09/18/2015 09/15/2015 09/17/2015 09/28/2015 09/24/2015 09/16/2015 09/15/2015 09/15/2015 09/14/2015 09/16/2015 09/15/2015 09/30/2015 09/28/2015 09/15/2015 09/11/2015 09/09/2015 09/10/2015 09/17/2015 09/02/2015 09/14/2015 09/18/2015 09/10/2015 09/16/2015 09/28/2015 09/15/2015 09/02/2015 09/10/2015 09/15/2015 09/16/2015 09/28/2015 09/25/2015 09/28/2015 09/15/2015 Current Sponsoring Company Name (As of 10/06/2015) 46 MLO Appendix 9 of 11 GRMA# NMLS Entity Name 44945 986299 Arturo Ayala 45132 1186630 Eric Michael-Robert Nunn 45427 1194639 Alexander Roy Buckland 45428 739380 Patricia Ana Isabel Duncan 45493 1203235 Zachary Michael Cook 45531 1211888 Mohamed Fouad Barakat 45894 1281313 Julie Fleming Hamilton 46228 1123280 Paul Joseph Dooley 46255 1202765 Thomas Patrick Hart 46557 1297660 Darrin Benjamin Perryman 46889 1372819 Kyle Douglas Scott Withdrawn - Application Abandoned 25419 34006 34308 39760 43072 45913 46901 47087 47124 47158 47178 47213 47226 47235 47245 47292 47312 47313 47345 47350 47439 47464 150139 871161 848907 946723 905596 1296262 443903 448829 1382089 1370018 1280253 1066446 1298480 91449 138097 190942 1209030 1271951 1280520 1063224 1310821 211261 Patrick Guyton Spencer Angel Eloy De Santiago Amos Le Roy Wheatley IV Lisa Karen Farrell Peter A. Brock II Joseph James Tilton Patricia Perez William Joseph Sandvig Arla Rosendahl Joyner Charles Rodney Amburn Marty Joel Thompson Morgan Dawn Louise Scheller Martin Daniel Mascher Daniel Walter Angerhofer Chris Watson Sean Patrick McCarthy Brian Michael Suncire Xavier Nathan Tyler Richard Charles Mottern Jr Deborah Aracena ROSALEE WALKER Robert Joseph Flanigan License Status Date 09/16/2015 09/28/2015 09/02/2015 09/30/2015 09/15/2015 09/02/2015 09/16/2015 09/14/2015 09/15/2015 09/04/2015 09/10/2015 09/04/2015 09/04/2015 09/21/2015 09/08/2015 09/04/2015 09/04/2015 09/08/2015 09/04/2015 09/04/2015 09/04/2015 09/21/2015 09/04/2015 09/04/2015 09/04/2015 09/04/2015 09/04/2015 09/21/2015 09/21/2015 09/21/2015 09/21/2015 09/21/2015 09/21/2015 Current Sponsoring Company Name (As of 10/06/2015) 22 MLO Appendix 10 of 11 GRMA# NMLS Entity Name License Status Date Withdrawn - Voluntary Without Licensure 45518 46104 46298 46419 46460 46481 46707 46750 46909 46964 47044 47063 47092 47170 47186 47212 47224 47272 47304 47352 47365 47402 47447 47449 47456 47472 47480 47540 47551 47569 102360 156711 1332805 187950 1371622 986383 1321948 169874 1372207 1374394 841342 429782 1372280 282877 1359175 112241 1101279 430024 41264 1370815 1397989 212862 246782 1394654 53012 1151203 135102 1370799 1384818 202459 Shane L Canipe Michael Bagley Robert Charles Smith Jr. Shawn McRoberts Teresa Antoinette Scales Daniel Thomas Alvarez Jacob Matthew Nelson Christopher Marvin Spence Anthony DeLeon Dailo Jorell Alexander Allison Ernest Nicholas Berner Christopher James Cummings Daniel Terrence Dempsey Robert Francis Borgerson Taylor Rusch Box Phillip Anthony Ruzylo Ryan Patrick DeLong Byron Wesley Gibson James Corey Gardner Nabria Tiffon Beck MARTIN CRAIGE ARNOLD Anthony Harrison Washington Thomas Bernard McGovern James B Richmond Ryan David Coday Michael Lorenzo Michitti Ronald Dean Webb Jr Lace Adastine Smith Stephanie Brooke Greenhalgh John Phillip Swaino III 09/16/2015 09/14/2015 09/02/2015 09/03/2015 09/02/2015 09/15/2015 09/15/2015 09/03/2015 09/08/2015 09/18/2015 09/29/2015 09/28/2015 09/10/2015 09/09/2015 09/02/2015 09/04/2015 09/10/2015 09/29/2015 09/14/2015 09/03/2015 09/08/2015 09/17/2015 09/08/2015 09/10/2015 09/22/2015 09/22/2015 09/11/2015 09/28/2015 09/25/2015 09/24/2015 Current Sponsoring Company Name (As of 10/06/2015) 30 MLO Appendix 11 of 11