Mortgagee Clause: Flagstar Bank, ISAOA ATIMA, P.O. Box 7646 Springfield, OH 45501-7646

Closing Protection Letter: 5151 Corporate Drive, Troy, MI 48098

Lock Cut-off via website: 9:00 PM PST First Extension (1-30days) 0.010 per day Second Extension (1-30days) 0.015 per day Third Extension (1-30days) 0.020 per day

A relock is required when a lock commitment has expired or the maximum number or extensions has been reached. The relock will be calculated at the lesser of the expired lock price or current market price -.125. A relock may be committed up to the lesser of the initial lock period or 30 days. If a lock has been expired for 30 days or more it is eligible for a new market lock without additional adjustment to pricing.