Truth-in-Lending Disclosure Statement Lender Borrower Date Fifth Third Mortgage Company 10/03/2014 5001 Kingsley DR MD: 1MOCBQ Cincinnati, OH 45227 Loan Number 420361321 al Preliminary 0 Final Property Address: "e" means estimate ANNUAL PERCENTAGE RATE FINANCE CHARGE Amount Financed Total of Payments The cost of your credit as a yearly rate. 3.080 f';. e I he dollar amount the credit will cost you. N 81,170.52 a The amount of credit provided to you or on your behalf. $ 322,819.68 a The amount you will have paid after you have made all payments as scheduled. $403,990.20 a INTEREST RATE AND PAYMENT SUMMARY Rate & Monthly Payment Interest Rate 3.000 % a Principal + Interest Payment $ 2 244 39 e Estimated Taxes + Insurance (Escrow) 0 Includes Private Mortgage Insurance 0 Includes Mortgage Insurance $ 0.00 a Total Estimated Monthly Payment $ 2,244.39 a El Final Balloon Payment due : $ Demand Feature. 0 This obligation has a demand feature. 0 This loan is payable on demand and all disclosures are based on an assumed maturity of one year. Security. You are giving a security interest in: ID the goods or property being purchased. CI (brief description of other property) 0 collateral securing other loans with us. Assumption. Someone buying this property al cannot assume the remainder of the mortgage on the original terms. 0 may assume, subject to conditions, the remainder of the mortgage on the original terms. Filing/Recording Fees. S a Sea Good Faith Estimate There is no guarantee that you will be able to refinance to lower your rate and payments. Truth-in-Lending Disclosure continued on next page 420381521 init. in Landaig OnclonaaRscal Rate V/IP Waters Kuser Financial SIMMS 0 2010. 2011 420361321 warmanuM Page I of 2 CONFIDENTIAL SDNY_GM_00033362 EFTA_00143975 EFTA01280351 Truth-i»-Lendine Disclosure continued Property Insurance. Property insurance may be obtained from anyone that is acceptable to Lender. If property insurance is obtained from or through Lender, the cost is S N/A a for a N/A term of coverage. alLateCharge. A late charge of 4% of the Overdue Payment of Principal 6 Interest will be assessed. Prepayment. If you pay off your loan early, you may El will not have to pay a penalty. may 51c will not be entitled to a refund of part of the finance charge. El Required Deposit. The Annual Percentage Rate does not take into account your required deposit. See your contract documents for any additional information about non-payment, default, any required repayment in lull before the scheduled date. and prepayment refunds and penalties. No Guarantee to Refinance. There is no guarantee that you will be able to refinance to lower your rate and payments. You are not required to complete this agreement merely because you have received these disclosures or signed a loan application. "e" means estimate Borrower Date Date Date Date D Refer to the attached Signature Addendum for additional parties and signatures. 420381321 init. in Lancing Disclosure -Rand Ralo VIP ic Wotersigun et Financial SealCos p2010. 2011 420361321 warmauuM Pap 2 of 2 CONFIDENTIAL SDNY_GM_00033363 EFTA_00143976 EFTA01280352