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Lender Application for Insurance Products

This proposed policy provides coverage for individual loans using insurance policies issued by some of the industries’ leading insurance providers. Approval and pricing are based upon satisfactory credit performance, default experience, title claims history, lien position, loan-to-value ranges and underwriting and fraud prevention standards. Due to the importance of this application, we ask that all information REQUESTED be completed to the fullest extent possible. Please do not leave any required information blank. If any requested data is unavailable, please indicate N/A. All data provided is considered proprietary and will be held in strict confidence by Fiserv Lending Solutions.

Date: Fiserv Rep:

INSURED INFORMATION:

Named Insured:	Client Contact:
Address:	Contact Title:
	Phone:
	Fax:
Dun & Bradstreet #:	Web Site:
Fed. ID #:	Annual Volume:

LENDER TYPE: (please check one)

Bank	Broker	Credit Union
Mortgage Company	Other

PRIMARY LENDING AREA: (please check all that apply)

AL	AK	AZ	AR	CA	CO	CT	DE	DC	FL
GA	HI	ID	IL	IN	IA	KS	KY	LA	ME
MD	MA	MI	MN	MS	MO	MT	NE	NV	NH
NJ	NM	NY	NC	ND	OH	OK*	OR	PA	RI
SC	SD	TN	TX*	UT	VT	VA	WA	WV	WI
WY

* insurance coverage(s) may not be available 　

In addition to completing the following information, please attach copies of your current credit underwriting and fraud prevention policies. This information will assist Fiserv Lending Solutions in aggressively pricing the product to equate specific claims risk with credit standards. Your Fiserv Lending Solutions Sales Executive is available to assist you in preparing this application.

DISCLOSURE:

The information and statements provided herein are believed to be true and correct to the best of the undersigned officer’s knowledge. This information will form the basis for pricing the specific product and may be appended to the final contract. The undersigned agrees to notify Fiserv Lending Solutions of any errors, or substantial changes, which may result in modifications to the final proposal as soon as they are discovered or become available.

All information contained herein shall be held in strict confidence by Fiserv Lending Solutions

Officer: Date:

By checking here, you indicate the information and statements provided herein are believed to be true and correct to the best of your knowledge.

Loan Performance Information:

Home Equity Lines of Credit (HELOC): Open-end lines of credit detailed by current and fiscal year, number of loans, loan to value ratios, portfolio performance measures, scoring benchmarks, total dollars committed and average outstanding balance.

Description	Current Fiscal Year (12 months)	Next Fiscal Year (12 months)
Total # of Lines
# Lines <= 80% LTV
# Lines > 80%, <= 90% LTV
# Lines > 90%, <= 100% LTV
# Lines > 100% LTV
Total $ Amount of Committed Lines
Total $ Balances Outstanding
Average $ Balances Outstanding
# Lines <= $100,000
# Lines > $100,000, <= $250,000
# Lines > $250,000, <= $500,000
# Lines > $500,000, <= $750,000
Minimum $ Line Amount
Maximum $ Line Amount
% Lines in 1st Lien Position
% Lines in 2nd Lien Position
% Lines > 2nd Lien Position
Average FICO Score
Minimum FICO Score
% of Lines within the following FICO Score Ranges (based on # of accts.)	<=619 620-659 660-749 750-850

Portfolio Performance	Current Fiscal YTD	Last 2 Fiscal Year Ends
# Lines >= 30 Days Past Due
Total $ Balance of Lines >= 30 Days Past Due
Delinquency Rate >=30 Days Past Due
Total Gross $ Losses
Gross Loss Rate (Annualized)
Total Net $ Losses
Net Loss Rate (Annualized)
# Lines Foreclosed
Total $ Balance of Lines Foreclosed
# Foreclosed Lines w/Lien Problems
$ Amount of Foreclosed Lines w/Lien Problems

TO ORIGINATE HELOCS DO YOU: (please complete all that apply)

Accept Internet Applications?	Yes No Sometimes % Obtained
Accept Applications from 3rd Parties	Yes No Sometimes % Obtained
Have Fraud Prevention Policies?	Yes No
Obtain Property Tax Bills?	Yes No Sometimes % Obtained
Analyze Full Credit Reports?	Yes No Sometimes % Obtained
Require Owners’ Affidavits?	Yes No Sometimes % Obtained
Require a Copy of the Deeds?	Yes No Sometimes % Obtained
Require Property Appraisals?	Yes No Sometimes % Obtained
Determine Values Using
% Tax Bill? % Automated? % Drive-by? % Interior?
Render Credit Decisions
% Manually? % Automated? % Other?
Utilize Credit Scorecards?	Yes No
Credit Scorecard Type Used?	Custom? Pooled? FICO?
Grant Exceptions to Policy?	Yes No
Have a Formal Exception Policy?	Yes No

LOAN PERFORMANCE INFORMATION:

CLOSED-END HOME EQUITY TERM LOANS (HETL): Closed-end term loans detailed by current and fiscal year, number of loans, loan-to-value ratios, portfolio performance measures, scoring benchmarks, total dollars committed and average outstanding balance.

Description	Current Fiscal Year (12 months)	Next Fiscal Year (12 months)
Total # of Loans
# Loans <= 80% LTV
# Loans > 80%, <= 90% LTV
# Loans > 90%, <= 100% LTV
# Loans > 100% LTV
Total Original $ Balance of Loans
# Loans <= $100,000
# Loans > $100,000, <= $250,000
# Loans > $250,000, <= $500,000
# Loans > $500,000, <= $750,000
Minimum $ Loan Amount
Maximum $ Loan Amount
% Lines in 1st Lien Position
% Lines in 2nd Lien Position
% Lines > 2nd Lien Position
Average FICO Score
Minimum FICO Score
% of Lines within the following FICO Score Ranges (based on # of accts.)	<=619 620-659 660-749 750-850

Portfolio Performance	Current Fiscal YTD	Last 2 Fiscal Year Ends
# Loans >= 30 Days Past Due
Total $ Balance of Loans >= 30 Days Past Due
Delinquency Rate >=30 Days Past Due
Total Gross $ Losses
Gross Loss Rate (Annualized)
Total Net $ Losses
Net Loss Rate (Annualized)
# Loans Foreclosed
Total $ Balance of Loans Foreclosed
# Foreclosed Loans w/Lien Problems
$ Amount Foreclosed Loans w/Lien Problems

TO ORIGINATE HETLS DO YOU: (please complete all that apply)

Accept Internet Applications?	Yes No Sometimes % Obtained
Accept Applications from 3rd Parties	Yes No Sometimes % Obtained
Have Fraud Prevention Policies?	Yes No
Obtain Property Tax Bills?	Yes No Sometimes % Obtained
Analyze Full Credit Reports?	Yes No Sometimes % Obtained
Require Owners’ Affidavits?	Yes No Sometimes % Obtained
Require a Copy of the Deeds?	Yes No Sometimes % Obtained
Require Property Appraisals?	Yes No Sometimes % Obtained
Determine Values Using
% Tax Bill? % Automated? % Drive-by? % Interior?
Render Credit Decisions
% Manually? % Automated? % Other?
Utilize Credit Scorecards?	Yes No
Credit Scorecard Type Used?	Custom? Pooled? FICO?
Grant Exceptions to Policy?	Yes No
Have a Formal Exception Policy?	Yes No

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