LOANID

GS_LOAN_NUMBER

Investor Loan Number

EXCEPTIONID

EXCEPTIONIDDATE

CONDITIONCATEGORY

CONDITIONSTANDARDIZEDDESCRIPTION

EXCEPTIONCHOSEN

EDITEDEXCEPTION

COMPENSATINGFACTORS

FOLLOW-UPCOMMENTS

EXCEPTION STATUS

CLEAREDDATE

OVERRIDEDATE

EXCEPTIONLEVELGRADE

COMPLETEDATE

OUTSIDEQCDATE

NOTEDATE

PROPERTYSTATE

OCCUPANCY

PURPOSE

6146748

XXXX

XX/XX/XXXX

Compliance

Rescission Test > 36 Mos

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).

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6146748

XXXX

XX/XX/XXXX

Compliance

Missing Title Commitment / Title Policy

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

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6146748

XXXX

XX/XX/XXXX

Compliance

Missing Initial Application

The Initial loan application is missing from the loan file.

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6146748

XXXX

XX/XX/XXXX

Compliance

Missing Initial HELOC Disclosure

The loan file does not contain the initial HELOC disclosure.

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6146748

XXXX

XX/XX/XXXX

Compliance

HELOC Brochure - Missing

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)

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6146748

XXXX

XX/XX/XXXX

Compliance

Right to Rescind Missing > 36 Mos

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).

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6147347

XXXX

XX/XX/XXXX

Compliance

Missing Title Commitment / Title Policy

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

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6147347

XXXX

XX/XX/XXXX

Compliance

Missing Initial Application

The Initial loan application is missing from the loan file.

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6147347

XXXX

XX/XX/XXXX

Compliance

Missing Initial HELOC Disclosure

The loan file does not contain the initial HELOC disclosure.

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

Resolved

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6147347

XXXX

XX/XX/XXXX

Compliance

Right to Rescind Missing > 36 Mos

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).

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6147347

XXXX

XX/XX/XXXX

Compliance

Rescission Test > 36 Mos

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).

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6147347

XXXX

XX/XX/XXXX

Compliance

State Testing ' Grace Period Test

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.

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6149697

XXXX

XX/XX/XXXX

Compliance

HELOC Brochure - Missing

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6149697

XXXX

XX/XX/XXXX

Compliance

Rescission Test > 36 Mos

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6149697

XXXX

XX/XX/XXXX

Compliance

Right to Rescind Missing > 36 Mos

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).

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6149697

XXXX

XX/XX/XXXX

Compliance

Missing Initial Application

The Initial loan application is missing from the loan file.

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6149697

XXXX

XX/XX/XXXX

Compliance

Missing Initial HELOC Disclosure

The loan file does not contain the initial HELOC disclosure.

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6149697

XXXX

XX/XX/XXXX

Compliance

Missing Title Commitment / Title Policy

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

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6149697

XXXX

XX/XX/XXXX

Compliance

State Testing ' Grace Period Test

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.

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6149697

XXXX

XX/XX/XXXX

Compliance

State Testing ' Late Fees Test'

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.

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose

6149697

XXXX

XX/XX/XXXX

Compliance

FACT ACT Disclosure Missing

The loan file does not contain the FACT ACT Disclosure.

Acknowledged

XX/XX/XXXX

Owner Occupied

Cash Out: Other/Multipurpose/Unknown purpose