GS Loan ID

Loan ID

Finding ID

Deal Num

Investor Loan Number

Deal Specific Name

Exception ID

Last Name

Loan Purpose

Occupancy

Note Date

State

Original Loan Amount

Loan Status

Exception Date

Exception Type

Exception Subcategory

Exception Status

Exception Status Change Date

Exception Grade

Exception

Exception Information

Exception Rebuttal

Exception Rebuttal Date

Compensating Factors

Statute of Limitation Date

Assigned To

Status Comment

DR Response Date

XXXX

6146748

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

Client Review In Process

XX/XX/XXXX

Compliance

Rescission Test > 36 Mos

Acknowledged

Compliance

There was no disbursement/funding date provided in the loan file. Unable to determine if the borrower was provided 3 business days to rescind the transaction. The loan reviewed contains a note dated more than 36 months old, outside the applicable statute of limitations per 15 USC 1640(e).

XXXX

6146748

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

Client Review In Process

XX/XX/XXXX

Compliance

Missing Title Commitment / Title Policy

Acknowledged

Compliance

The Title Policy and/or Commitment is missing from the Loan file.

XXXX

6146748

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

Client Review In Process

XX/XX/XXXX

Compliance

Missing Initial Application

Acknowledged

Compliance

The Initial loan application is missing from the loan file.

XXXX

6146748

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

Client Review In Process

XX/XX/XXXX

Compliance

Missing Initial HELOC Disclosure

Acknowledged

Compliance

The loan file does not contain the initial HELOC disclosure.

XXXX

6146748

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

Client Review In Process

XX/XX/XXXX

Compliance

HELOC Brochure - Missing

Acknowledged

Compliance

There is no evidence in the file that the home equity brochure entitled "What You Should Know About Home Equity Lines of Credit" (or a suitable substitute) was provided to the borrower. Truth In Lending Act (Regulation Z) 12 CFR 1026.40(e)

XXXX

6146748

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

Client Review In Process

XX/XX/XXXX

Compliance

Right to Rescind Missing > 36 Mos

Acknowledged

Compliance

The file contains no evidence of the Right to Cancel Notice. The loan reviewed contains a note dated more than 36 months old, outside the applicable statute of limitations per 15 USC 1640(e).

XXXX

6147347

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

Missing Title Commitment / Title Policy

Acknowledged

Compliance

The Title Policy and/or Commitment is missing from the Loan file.

XXXX

6147347

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

Missing Initial Application

Acknowledged

Compliance

The Initial loan application is missing from the loan file.

XXXX

6147347

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

Missing Initial HELOC Disclosure

Resolved

Compliance

The loan file does not contain the initial HELOC disclosure.

XX/XX/XXXX - Forms were mailed to customers and were not required to be signed upon receipt nor sent back. They were also not account specific. Uploaded a copy of the early disclosures that were sent.XX/XX/XXXX - Forms were mailed to customers and were not required to be signed upon receipt nor sent back. They were also not account specific. Uploaded a copy of the early disclosures that were sent.

Rebuttal (XX/XX/XXXX XXXXPM)Rebuttal (XX/XX/XXXX XXXXPM)

Not Assigned

NWB did not provide a copy of the Initial HELOC Disclosure. Finding is subject to TILA, Statute of Limitations applies.XXXX did not provide a copy of the Initial HELOC Disclosure. Finding is subject to TILA, Statute of Limitations applies.

Response (XX/XX/XXXX XXXXPM)Response (XX/XX/XXXX XXXXPM)

XXXX

6147347

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

Right to Rescind Missing > 36 Mos

Acknowledged

Compliance

The file contains no evidence of the Right to Cancel Notice. The loan reviewed contains a note dated more than 36 months old, outside the applicable statute of limitations per 15 USC 1640(e).

XXXX

6147347

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

Rescission Test > 36 Mos

Acknowledged

Compliance

There was no evidence of a disbursement/funding date in the loan file. Unable to determine if the borrower was provided 3 business days to rescind the transaction. The loan reviewed contains a note dated more than 36 months old, outside the applicable statute of limitations per 15 USC 1640(e).

XXXX

6147347

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

State Testing ' Grace Period Test

Acknowledged

Compliance

This loan failed the grace period test. The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of OR allows for a minimum 15 day grace period, the loan has a 1 day grace period. The loan fails the grace period test by 14 days.

XXXX

6149697

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

HELOC Brochure - Missing

Acknowledged

Compliance

XXXX

6149697

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

Rescission Test > 36 Mos

Acknowledged

Compliance

XXXX

6149697

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

Right to Rescind Missing > 36 Mos

Acknowledged

Compliance

The file contains no evidence of the Right to Cancel Notice. The loan reviewed contains a note dated more than 36 months old, outside the applicable statute of limitations per 15 USC 1640(e).

XXXX

6149697

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

Missing Initial Application

Acknowledged

Compliance

The Initial loan application is missing from the loan file.

XXXX

6149697

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

Missing Initial HELOC Disclosure

Acknowledged

Compliance

The loan file does not contain the initial HELOC disclosure.

XXXX

6149697

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

Missing Title Commitment / Title Policy

Acknowledged

Compliance

The Title Policy and/or Commitment is missing from the Loan file.

XXXX

6149697

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

State Testing ' Grace Period Test

Acknowledged

Compliance

This loan failed the grace period test. The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XX allows for a minimum 0 day grace period, the loan has a 1 day grace period. The loan fails the grace period test by 1 days.

XXXX

6149697

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

State Testing ' Late Fees Test'

Acknowledged

Compliance

This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.' The state regulation of XX allows for a maximum $XX late fee, the loan has a $XX late fee.' The loan fails the late fees test by $XX.

XXXX

6149697

XXXX

Cash Out: Other/Multipurpose/Unknown purpose

Owner Occupied

XX/XX/XXXX

XXXX

In Print Batch

XX/XX/XXXX

Compliance

FACT ACT Disclosure Missing

Acknowledged

Compliance

The loan file does not contain the FACT ACT Disclosure.