Common use of Predatory Lending Regulations; High Cost Loans Clause in Contracts

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “high cost” loans under the Home Ownership and Equity Protection Act of 1994 or (b) “high cost,” “threshold,” “predatory” or “covered” loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “"high cost” " loans under the Home Ownership and Equity Protection Act of 1994 or (b) “"high cost,” “" "threshold,” “" or "predatory” or “covered” " loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);law.

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “high cost” loans under the Home Ownership and Equity Protection Act of 1994 or (b) “high cost,” “threshold,” or “predatory” or “covered” loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);law.

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “"high cost” " loans under the Home Ownership and Equity Protection Act of 1994 or (b) “"high cost,” “" "threshold,” “" "covered" or "predatory” or “covered” " loans or “High Cost Home Loans” under any other applicable statefederal, federal state or local law (including without limitation any regulation or ordinance) (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “high cost” loans under the Home Ownership and Equity Protection Act of 1994 or (b) “high cost,” “threshold,” “predatory” or “covered” loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or feesterminology);

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “high cost” loans under the Home Ownership and Equity Protection Act of 1994 or (b) “high cost,” “threshold,” “predatory” ”, or “covered” loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);law

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “"high cost” " loans under the Home Ownership and Equity Protection Act of 1994 or (b) “"high cost,” “" "threshold,” “" or "predatory” or “covered” " loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees)law;

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are is classified as a (a) “"high cost” loans " loan under the Home Ownership and Equity Protection Act of 1994 or (b) “"high costcost home,” “" "threshold,” “" "covered", "high risk home" or "predatory” " or “covered” loans or “High Cost Home Loans” similar loan under any other applicable statefederal, federal state or local law (including without limitation any regulation or ordinance) (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “"high cost” " loans under the Home Ownership and Equity Protection Act of 1994 or (b) “"high cost,” “" "threshold,” “" "predatory” " or “"covered” " loans or “"High Cost Home Loans” " under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “"high cost” " loans under the Home Ownership and Equity Protection Act of 1994 or (b) “"high cost,” “" "threshold,” “" "covered" or "predatory” or “covered” " loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);law.

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “"high cost” " loans under the Home Ownership and Equity Protection Act of 1994 or (b) “"high cost,” “" "threshold,” “" "predatory” ", or “"covered” " loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees)law;

Predatory Lending Regulations; High Cost Loans. None of the No Mortgage Loans are Loan is classified as (a) “high cost” loans loan under the Home Ownership and Equity Protection Act of 1994 or (b) “high cost,” ”, “threshold,” “predatory” or “covered” loans or “High Cost Home Loanspredatory” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees)law;

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (ai) “high cost” loans under the Home Ownership and Equity Protection Act of 1994 or (bii) “high cost,” ”, “threshold,”, “covered” or “predatory” or “covered” loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);.

Predatory Lending Regulations; High Cost Loans. None of the No Mortgage Loans are Loan is classified as (a) “high cost” loans loan under the Home Ownership and Equity Protection Act of of’ 1994 or (b) “high cost,” ”, “threshold,” “predatory” or “covered” loans or “High Cost Home Loanspredatory” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees)law;

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (ai) “"high cost” " loans under the Home Ownership and Equity Protection Act of 1994 or (bii) “"high cost,” “" "threshold,” “" "covered" or "predatory” or “covered” " loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);law.

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “high cost” loans under the Home Ownership and Equity Protection Act of 1994 or (b) “high cost,” “threshold,” “predatory” ”, or “covered” loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);yy) Cooperative Loans. With respect to each Cooperative Loan the Company represents and warrants:

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are is classified as a (a) “"high cost” loans " loan under the Home Ownership and Equity Protection Act of 1994 or (b) “"high cost,” “" "threshold,” “" "covered" or "predatory” or “covered” loans or “High Cost Home Loans” " loan under any other applicable statefederal, federal state or local law (including without limitation any regulation or ordinance) (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “a "high cost” loans " loan under the Home Ownership and Equity Protection Act of 1994 or (b) “a "high cost,” “" "threshold,” “" "covered," "predatory” " or “covered” loans or “High Cost Home Loans” similar loan under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);"

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “"high cost” " loans under the Home Ownership and Equity Protection Act of 1994 or (b) “"high cost,” “" "threshold,” “" "covered," "predatory” ," "flipped" or “covered” similar loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “"high cost” " loans under the Home Ownership and Equity Protection Act of 1994 or (b) “"high cost,” “" "threshold,” “" "covered" or "predatory” or “covered” " loans or “High Cost Home Loans” under any other applicable statefederal, federal state or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “"high cost” " loans under the Home Ownership and Equity Protection Act of 1994 or (b) “"high cost,” “" "threshold,” “" or "predatory” or “covered” " loans or “High Cost Home Loans” under the any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);law; and

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “high cost” loans under the Home Ownership and Equity Protection Act of 1994 or (b) “high cost,” “threshold,” “predatorycovered” or “coveredpredatory” loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees)law;

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans Mortgage(s) are classified as (ai) “high cost” loans under the Home Ownership and Equity Protection Act of 1994 or (bii) “high cost,” ”, “threshold,”, “covered” or “predatory” or “covered” loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);law.

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “"high cost” " loans under the Home Ownership and Equity Protection Act of 1994 or (b) “"high cost,” “" "threshold,” “" or "predatory” or “covered” " loans or “High Cost Home Loans” under the any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees)law;

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (ai) “high cost” loans under the Home Ownership and Equity Protection Act of 1994 or (bii) “high cost,” “threshold,” “predatorycovered” or “coveredpredatory” loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified law. Each loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest ratesat the time it was made complied in all material respects with applicable local, points and/or fees)state, and federal laws, including, but not limited to, all applicable predatory and abusive lending laws;

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “high cost” loans under the Home Ownership and Equity Protection Act of 1994 or (b) “high cost,” “threshold,” “predatorycovered” or “coveredpredatory” loans or “High Cost Home Loans” under any other applicable state, federal or local law (law. None of the Mortgage Loans violate an Investor’s or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);Agency’s predatory lending restrictions.

Predatory Lending Regulations; High Cost Loans. None of the Mortgage Loans are classified as (a) “"high cost” " loans under the Home Ownership and Equity Protection Act of 1994 or (b) “"high cost,” “" "threshold,” “" "predatory” ", or “"covered” " loans or “High Cost Home Loans” under any other applicable state, federal or local law (or a similarly classified loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);law