Document http://www.mismo.org/schema/ServicingTransfer_1_0

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xmlns:mismo=http://mismo.org/schema
xmlns:xs=http://www.w3.org/2001/XMLSchema

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============================================================================== Title : PRIA Notary v2.4 Logical Data Dictionary File Name : PRIA_Notary_v2_40_LDD.xsd ELE Version : Creation Date : 04/18/2006 Modification Date : Modification Date : =============================================================================== Copyright 2006 Property Records Industry Association (PRIA) All rights reserved. PRIA Copyright Notice, Disclaimer and End-User License Version 1.1 November 2003 (the “PRIA License” or the “License”) This document or software (the “Work”) is published by the Property Records Industry Association (“PRIA”). Copyright © 2006 by PRIA (collectively or individually, a “Licensor”). All rights reserved. Subject to this License, Licensor hereby grants any user of this document or software (“Licensee”) a worldwide, royalty-free, irrevocable, perpetual, non-exclusive license to reproduce the Work in copies, to prepare proprietary derivative works based upon the Work, to distribute copies of the Work to the public by sale or other transfer of ownership, and to display the Work publicly. If the Work is software published by PRIA as codes in source and binary form, the License includes the right for Licensee to distribute copies of, and use, the codes in source and binary forms, with or without modification. Any distribution of copies of the Work, or of a derivative work based upon the Work, shall reproduce verbatim the above copyright notice, the entire text of this License and the entire disclaimer below under the following header: “This document includes works developed by PRIA and some of its contributors, subject to PRIA License, Version 1.1 November 2003 published at www.pria.us/license.htm or any subsequent applicable version of such License.” Any software application developed by Licensee based upon the Work shall include the following notice in its end user documentation and in its codes: “This software product includes software or other works developed by PRIA and some of its contributors, subject to PRIA License, Version 1.1 November 2003 published at www.pria.us/license.htm or any subsequent applicable version of such License.” Upon publication of a derivative work, Licensee shall inform PRIA of such publication and address to PRIA a copy of Licensee’s derivative work and any relevant documentation. “PRIA” is a trade name of the “Property Records Industry Association.” No derivative work or altered versions of a Work by Licensee may be trademarked or labeled in reference to PRIA or any of its trademark(s) or service mark(s) without PRIA’s prior written approval. No reference to PRIA or any of its trademarks by Licensee shall imply endorsement of Licensee’s activities and products. DISCLAIMER: THIS WORK IS PROVIDED “AS IS.” PRIA, THE COPYRIGHT HOLDER, THE AUTHORS OF THIS WORK AND ANY STANDARD -SETTING BODY CONTRIBUTORS TO THIS WORK MAKE NO REPRESENTATIONS OR WARRANTIES (i) EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT; (ii) THAT THE CONTENTS OF SUCH WORK ARE FREE FROM ERROR OR SUITABLE FOR ANY PURPOSE; NOR THAT IMPLEMENTATION OF SUCH CONTENTS WILL NOT INFRINGE ANY THIRD-PARTY PATENTS, COPYRIGHTS, TRADEMARKS OR OTHER RIGHTS. IN NO EVENT WILL PRIA, THE COPYRIGHT HOLDER. ANY AUTHOR OF THIS WORK, OR THE STANDARD-SETTING BODY CONTRIBUTORS TO THIS WORK BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS WORK, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF PRIA, THE COPYRIGHT HOLDER AND/OR ANY AUTHORS AND/OR ANY STANDARD-SETTING BODY CONTRIBUTORS TO THIS WORK ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ==============================================================================

Title: Digital Signature Modified DTD for the eMortgage specification Description: This DTD contains the top level element Signature for digitally signing documents Original Date: 9/7/2001 Revisions:Fannie Mae version 1.01 dated 10/02/2001 Rachael Sokolowski, version 1.06 dated 12/04/2001 Rachael Sokolowski version 1.07 dated 1/29/2002 - namespace Rachael Sokolowski version 1.08 dated 2/26/2002 - W3C recommendation version and renamed to V_1_0 Rachael Sokolowski version 1.09 dated 10/27/2003 - added date and time stamp Rachael Sokolowski version 1.10, dated 12/04/2003. This version includes consistent filename conventions, file formats (PC) and an updated copyright Other comments: DTD for XML Signatures http://www.w3.org/2000/09/xmldsig# Joseph Reagle $last changed 20001215$ http://www.w3.org/2000/09/xmldsig# $Revision: 1.1 $ on $Date: 2002/02/08 20:32:26 $ by $Author: reagle $ Copyright 2001 The Internet Society and W3C (Massachusetts Institute of Technology, Institut National de Recherche en Informatique et en Automatique, Keio University). All Rights Reserved. http://www.w3.org/Consortium/Legal/ This document is governed by the W3C Software License [1] as described in the FAQ [2]. [1] http://www.w3.org/Consortium/Legal/copyright-software-19980720 [2] http://www.w3.org/Consortium/Legal/IPR-FAQ-20000620.html#DTD Copyright 2004 Mortgage Industry Standards Maintenance Organization (MISMO).All rights reserved. Permission to use, copy, modify, and distribute the MISMO DTD and its accompanying documentation for any purpose and without fee is hereby granted in perpetuity, provided that the above copyright notice and this paragraph appear in all copies. The copyright holders make no representation about the suitability of the DTD for any purpose.

Title : MISMO Flood Request DTD (with REQUEST GROUP v2.3.1 Envelope) File Name : FLOOD_REQUEST_v2_3_2.dtd Version : Version 2.3.2 Creation Date : Generated on 4/22/2005 Author : MBA MISMO Flood Work Group Edited By : Eric Mayling (First American Interactive Division) Envelope : Enveloping and Routing: REQUEST_GROUP_v2_3_1.dtd Envelope Version : Version 2.3.1 (Generated on 2/20/2004) Comments : Copyright 2005 Mortgage Industry Standards Maintenance Organization (MISMO) All rights reserved. THIS MISMO STANDARD INCLUDES THE END USER LICENSE AGREEMENT ATTACHED HERETO AT http://www.mismo.org/mismo/pdf/ipr_policy.pdf AND IS GOVERNED BY AND SUBJECT TO THE END USER LICENSE AGREEMENT. NO USER OF THIS STANDARD MAY REMOVE THIS REFERENCE TO AND STATEMENT REGARDING THE END USER LICENSE. ANY HARD COPY PUBLICATION OF THIS STANDARD MUST INCLUDE AND ATTACH A HARD COPY PRINT OUT OFTHE END USER LICENSE. ANY FURTHER ELECTRONIC DISTRIBUTION OF THIS STANDARD MUST INCLUDE A SPECIFIC REFERENCED LINK TO THE END USER LICENSE AGREEMENT OR OTHER MEANS OF ATTACHMENT OF THE END USER LICENSE AGREEMENT. DISCLAIMER: THIS MISMO STANDARD IS PROVIDED "AS IS." MISMO, THE MORTGAGE BANKERS ASSOCIATION OF AMERICA ("MBA"), THE COPYRIGHT HOLDER, THE AUTHORS OF THIS MISMO STANDARD AND ANY STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD MAKE NO REPRESENTATIONS OR WARRANTIES (i) EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT; (ii) THAT THE CONTENTS OF SUCH MISMO STANDARD ARE FREE FROM ERROR OR SUITABLE FOR ANY PURPOSE; NOR THAT IMPLEMENTATION OF SUCH CONTENTS WILL NOT INFRINGE ANY THIRD-PARTY PATENTS, COPYRIGHTS, TRADEMARKS OR OTHER RIGHTS. IN NO EVENT WILL MISMO, MBA, THE COPYRIGHT HOLDER OR THE STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS MISMO STANDARD, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF MISMO, MBA, THE COPYRIGHT HOLDER AND/OR ANY AUTHORS AND/OR ANY STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

============================================================================== Title : PRIA DOCUMENT v2.4 Logical Data Dictionary File Name : PRIA_DOCUMENT_v2_4_LDD.xsd ELE Version : Creation Date : 04/18/2006 Modification Date : Modification Date : =============================================================================== Copyright 2006 Property Records Industry Association (PRIA) PRIA Copyright Notice, Disclaimer and End-User License Version 1.1 November 2003 (the “PRIA License” or the “License”) This document or software (the “Work”) is published by the Property Records Industry Association (“PRIA”). Copyright © 2006 by PRIA (collectively or individually, a “Licensor”). All rights reserved. Subject to this License, Licensor hereby grants any user of this document or software (“Licensee”) a worldwide, royalty-free, irrevocable, perpetual, non-exclusive license to reproduce the Work in copies, to prepare proprietary derivative works based upon the Work, to distribute copies of the Work to the public by sale or other transfer of ownership, and to display the Work publicly. If the Work is software published by PRIA as codes in source and binary form, the License includes the right for Licensee to distribute copies of, and use, the codes in source and binary forms, with or without modification. Any distribution of copies of the Work, or of a derivative work based upon the Work, shall reproduce verbatim the above copyright notice, the entire text of this License and the entire disclaimer below under the following header: “This document includes works developed by PRIA and some of its contributors, subject to PRIA License, Version 1.1 November 2003 published at www.pria.us/license.htm or any subsequent applicable version of such License.” Any software application developed by Licensee based upon the Work shall include the following notice in its end user documentation and in its codes: “This software product includes software or other works developed by PRIA and some of its contributors, subject to PRIA License, Version 1.1 November 2003 published at www.pria.us/license.htm or any subsequent applicable version of such License.” Upon publication of a derivative work, Licensee shall inform PRIA of such publication and address to PRIA a copy of Licensee’s derivative work and any relevant documentation. “PRIA” is a trade name of the “Property Records Industry Association.” No derivative work or altered versions of a Work by Licensee may be trademarked or labeled in reference to PRIA or any of its trademark(s) or service mark(s) without PRIA’s prior written approval. No reference to PRIA or any of its trademarks by Licensee shall imply endorsement of Licensee’s activities and products. DISCLAIMER: THIS WORK IS PROVIDED “AS IS.” PRIA, THE COPYRIGHT HOLDER, THE AUTHORS OF THIS WORK AND ANY STANDARD -SETTING BODY CONTRIBUTORS TO THIS WORK MAKE NO REPRESENTATIONS OR WARRANTIES (i) EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT; (ii) THAT THE CONTENTS OF SUCH WORK ARE FREE FROM ERROR OR SUITABLE FOR ANY PURPOSE; NOR THAT IMPLEMENTATION OF SUCH CONTENTS WILL NOT INFRINGE ANY THIRD-PARTY PATENTS, COPYRIGHTS, TRADEMARKS OR OTHER RIGHTS. IN NO EVENT WILL PRIA, THE COPYRIGHT HOLDER. ANY AUTHOR OF THIS WORK, OR THE STANDARD-SETTING BODY CONTRIBUTORS TO THIS WORK BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS WORK, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF PRIA, THE COPYRIGHT HOLDER AND/OR ANY AUTHORS AND/OR ANY STANDARD-SETTING BODY CONTRIBUTORS TO THIS WORK ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ==============================================================================

============================================================================== Title : PRIA DOCUMENT v2.4 Zero Delta Schema File Name : PRIA_DOCUMENT_v2_4.xsd ELE Version : Creation Date : 04/18/2006 Modification Date : 05/16/2006 Modification Date : =============================================================================== Copyright 2006 Property Records Industry Association (PRIA) All rights reserved. PRIA Copyright Notice, Disclaimer and End-User License Version 1.1 November 2003 (the “PRIA License” or the “License”) This document or software (the “Work”) is published by the Property Records Industry Association (“PRIA”). Copyright © 2006 by PRIA (collectively or individually, a “Licensor”). All rights reserved. Subject to this License, Licensor hereby grants any user of this document or software (“Licensee”) a worldwide, royalty-free, irrevocable, perpetual, non-exclusive license to reproduce the Work in copies, to prepare proprietary derivative works based upon the Work, to distribute copies of the Work to the public by sale or other transfer of ownership, and to display the Work publicly. If the Work is software published by PRIA as codes in source and binary form, the License includes the right for Licensee to distribute copies of, and use, the codes in source and binary forms, with or without modification. Any distribution of copies of the Work, or of a derivative work based upon the Work, shall reproduce verbatim the above copyright notice, the entire text of this License and the entire disclaimer below under the following header: “This document includes works developed by PRIA and some of its contributors, subject to PRIA License, Version 1.1 November 2003 published at www.pria.us/license.htm or any subsequent applicable version of such License.” Any software application developed by Licensee based upon the Work shall include the following notice in its end user documentation and in its codes: “This software product includes software or other works developed by PRIA and some of its contributors, subject to PRIA License, Version 1.1 November 2003 published at www.pria.us/license.htm or any subsequent applicable version of such License.” Upon publication of a derivative work, Licensee shall inform PRIA of such publication and address to PRIA a copy of Licensee’s derivative work and any relevant documentation. “PRIA” is a trade name of the “Property Records Industry Association.” No derivative work or altered versions of a Work by Licensee may be trademarked or labeled in reference to PRIA or any of its trademark(s) or service mark(s) without PRIA’s prior written approval. No reference to PRIA or any of its trademarks by Licensee shall imply endorsement of Licensee’s activities and products. DISCLAIMER: THIS WORK IS PROVIDED “AS IS.” PRIA, THE COPYRIGHT HOLDER, THE AUTHORS OF THIS WORK AND ANY STANDARD -SETTING BODY CONTRIBUTORS TO THIS WORK MAKE NO REPRESENTATIONS OR WARRANTIES (i) EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT; (ii) THAT THE CONTENTS OF SUCH WORK ARE FREE FROM ERROR OR SUITABLE FOR ANY PURPOSE; NOR THAT IMPLEMENTATION OF SUCH CONTENTS WILL NOT INFRINGE ANY THIRD-PARTY PATENTS, COPYRIGHTS, TRADEMARKS OR OTHER RIGHTS. IN NO EVENT WILL PRIA, THE COPYRIGHT HOLDER. ANY AUTHOR OF THIS WORK, OR THE STANDARD-SETTING BODY CONTRIBUTORS TO THIS WORK BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS WORK, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF PRIA, THE COPYRIGHT HOLDER AND/OR ANY AUTHORS AND/OR ANY STANDARD-SETTING BODY CONTRIBUTORS TO THIS WORK ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ==============================================================================

=============================================================================== Copyright 2005 Mortgage Industry Standards Maintenance Organization (MISMO) All rights reserved. THIS MISMO STANDARD INCLUDES THE END USER LICENSE AGREEMENT ATTACHED HERETO AT http://www.mismo.org/mismo/pdf/ipr_policy.pdf AND IS GOVERNED BY AND SUBJECT TO THE END USER LICENSE AGREEMENT. NO USER OF THIS STANDARD MAY REMOVE THIS REFERENCE TO AND STATEMENT REGARDING THE END USER LICENSE. ANY HARD COPY PUBLICATION OF THIS STANDARD MUST INCLUDE AND ATTACH A HARD COPY PRINT OUT OFTHE END USER LICENSE. ANY FURTHER ELECTRONIC DISTRIBUTION OF THIS STANDARD MUST INCLUDE A SPECIFIC REFERENCED LINK TO THE END USER LICENSE AGREEMENT OR OTHER MEANS OF ATTACHMENT OF THE END USER LICENSE AGREEMENT. DISCLAIMER: THIS MISMO STANDARD IS PROVIDED "AS IS." MISMO, THE MORTGAGE BANKERS ASSOCIATION OF AMERICA ("MBA"), THE COPYRIGHT HOLDER, THE AUTHORS OF THIS MISMO STANDARD AND ANY STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD MAKE NO REPRESENTATIONS OR WARRANTIES (i) EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT; (ii) THAT THE CONTENTS OF SUCH MISMO STANDARD ARE FREE FROM ERROR OR SUITABLE FOR ANY PURPOSE; NOR THAT IMPLEMENTATION OF SUCH CONTENTS WILL NOT INFRINGE ANY THIRD-PARTY PATENTS, COPYRIGHTS, TRADEMARKS OR OTHER RIGHTS. IN NO EVENT WILL MISMO, MBA, THE COPYRIGHT HOLDER OR THE STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS MISMO STANDARD, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF MISMO, MBA, THE COPYRIGHT HOLDER AND/OR ANY AUTHORS AND/OR ANY STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ================================================================================

============================================================================== Title : Secondary Loan Delivery Version 2.4 Zero Delta Schema File Name : SEC_LoanDelivery_v2.4.xsd ELE Version : Creation Date : January 8, 2005 Modification Date : Modification Date : =============================================================================== Copyright 2005 Mortgage Industry Standards Maintenance Organization (MISMO) All rights reserved. THIS MISMO STANDARD INCLUDES THE END USER LICENSE AGREEMENT ATTACHED HERETO AT http://www.mismo.org/mismo/pdf/ipr_policy.pdf AND IS GOVERNED BY AND SUBJECT TO THE END USER LICENSE AGREEMENT. NO USER OF THIS STANDARD MAY REMOVE THIS REFERENCE TO AND STATEMENT REGARDING THE END USER LICENSE. ANY HARD COPY PUBLICATION OF THIS STANDARD MUST INCLUDE AND ATTACH A HARD COPY PRINT OUT OFTHE END USER LICENSE. ANY FURTHER ELECTRONIC DISTRIBUTION OF THIS STANDARD MUST INCLUDE A SPECIFIC REFERENCED LINK TO THE END USER LICENSE AGREEMENT OR OTHER MEANS OF ATTACHMENT OF THE END USER LICENSE AGREEMENT. DISCLAIMER: THIS MISMO STANDARD IS PROVIDED "AS IS." MISMO, THE MORTGAGE BANKERS ASSOCIATION OF AMERICA ("MBA"), THE COPYRIGHT HOLDER, THE AUTHORS OF THIS MISMO STANDARD AND ANY STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD MAKE NO REPRESENTATIONS OR WARRANTIES (i) EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT; (ii) THAT THE CONTENTS OF SUCH MISMO STANDARD ARE FREE FROM ERROR OR SUITABLE FOR ANY PURPOSE; NOR THAT IMPLEMENTATION OF SUCH CONTENTS WILL NOT INFRINGE ANY THIRD-PARTY PATENTS, COPYRIGHTS, TRADEMARKS OR OTHER RIGHTS. IN NO EVENT WILL MISMO, MBA, THE COPYRIGHT HOLDER OR THE STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS MISMO STANDARD, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF MISMO, MBA, THE COPYRIGHT HOLDER AND/OR ANY AUTHORS AND/OR ANY STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ==============================================================================

============================================================================== Title : Secondary Loan Delivery Version 2.4 Zero Delta Schema File Name : SEC_LoanDelivery_v2.4.xsd ELE Version : Creation Date : INSERT DATE Modification Date : Modification Date : =============================================================================== Copyright 2005 Mortgage Industry Standards Maintenance Organization (MISMO) All rights reserved. THIS MISMO STANDARD INCLUDES THE END USER LICENSE AGREEMENT ATTACHED HERETO AT http://www.mismo.org/mismo/pdf/ipr_policy.pdf AND IS GOVERNED BY AND SUBJECT TO THE END USER LICENSE AGREEMENT. NO USER OF THIS STANDARD MAY REMOVE THIS REFERENCE TO AND STATEMENT REGARDING THE END USER LICENSE. ANY HARD COPY PUBLICATION OF THIS STANDARD MUST INCLUDE AND ATTACH A HARD COPY PRINT OUT OFTHE END USER LICENSE. ANY FURTHER ELECTRONIC DISTRIBUTION OF THIS STANDARD MUST INCLUDE A SPECIFIC REFERENCED LINK TO THE END USER LICENSE AGREEMENT OR OTHER MEANS OF ATTACHMENT OF THE END USER LICENSE AGREEMENT. DISCLAIMER: THIS MISMO STANDARD IS PROVIDED "AS IS." MISMO, THE MORTGAGE BANKERS ASSOCIATION OF AMERICA ("MBA"), THE COPYRIGHT HOLDER, THE AUTHORS OF THIS MISMO STANDARD AND ANY STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD MAKE NO REPRESENTATIONS OR WARRANTIES (i) EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT; (ii) THAT THE CONTENTS OF SUCH MISMO STANDARD ARE FREE FROM ERROR OR SUITABLE FOR ANY PURPOSE; NOR THAT IMPLEMENTATION OF SUCH CONTENTS WILL NOT INFRINGE ANY THIRD-PARTY PATENTS, COPYRIGHTS, TRADEMARKS OR OTHER RIGHTS. IN NO EVENT WILL MISMO, MBA, THE COPYRIGHT HOLDER OR THE STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS MISMO STANDARD, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF MISMO, MBA, THE COPYRIGHT HOLDER AND/OR ANY AUTHORS AND/OR ANY STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ==============================================================================

============================================================================== Title : PRIA Notary v2.4 Zero Delta Schema File Name : PRIA_Notary_v2_4.xsd ELE Version : Creation Date : 3/16/2006 Modification Date : Modification Date : =============================================================================== Copyright 2006 Property Records Industry Association (PRIA) All rights reserved. PRIA Copyright Notice, Disclaimer and End-User License Version 1.1 November 2003 (the “PRIA License” or the “License”) This document or software (the “Work”) is published by the Property Records Industry Association (“PRIA”). Copyright © 2006 by PRIA (collectively or individually, a “Licensor”). All rights reserved. Subject to this License, Licensor hereby grants any user of this document or software (“Licensee”) a worldwide, royalty-free, irrevocable, perpetual, non-exclusive license to reproduce the Work in copies, to prepare proprietary derivative works based upon the Work, to distribute copies of the Work to the public by sale or other transfer of ownership, and to display the Work publicly. If the Work is software published by PRIA as codes in source and binary form, the License includes the right for Licensee to distribute copies of, and use, the codes in source and binary forms, with or without modification. Any distribution of copies of the Work, or of a derivative work based upon the Work, shall reproduce verbatim the above copyright notice, the entire text of this License and the entire disclaimer below under the following header: “This document includes works developed by PRIA and some of its contributors, subject to PRIA License, Version 1.1 November 2003 published at www.pria.us/license.htm or any subsequent applicable version of such License.” Any software application developed by Licensee based upon the Work shall include the following notice in its end user documentation and in its codes: “This software product includes software or other works developed by PRIA and some of its contributors, subject to PRIA License, Version 1.1 November 2003 published at www.pria.us/license.htm or any subsequent applicable version of such License.” Upon publication of a derivative work, Licensee shall inform PRIA of such publication and address to PRIA a copy of Licensee’s derivative work and any relevant documentation. “PRIA” is a trade name of the “Property Records Industry Association.” No derivative work or altered versions of a Work by Licensee may be trademarked or labeled in reference to PRIA or any of its trademark(s) or service mark(s) without PRIA’s prior written approval. No reference to PRIA or any of its trademarks by Licensee shall imply endorsement of Licensee’s activities and products. DISCLAIMER: THIS WORK IS PROVIDED “AS IS.” PRIA, THE COPYRIGHT HOLDER, THE AUTHORS OF THIS WORK AND ANY STANDARD -SETTING BODY CONTRIBUTORS TO THIS WORK MAKE NO REPRESENTATIONS OR WARRANTIES (i) EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT; (ii) THAT THE CONTENTS OF SUCH WORK ARE FREE FROM ERROR OR SUITABLE FOR ANY PURPOSE; NOR THAT IMPLEMENTATION OF SUCH CONTENTS WILL NOT INFRINGE ANY THIRD-PARTY PATENTS, COPYRIGHTS, TRADEMARKS OR OTHER RIGHTS. IN NO EVENT WILL PRIA, THE COPYRIGHT HOLDER. ANY AUTHOR OF THIS WORK, OR THE STANDARD-SETTING BODY CONTRIBUTORS TO THIS WORK BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS WORK, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF PRIA, THE COPYRIGHT HOLDER AND/OR ANY AUTHORS AND/OR ANY STANDARD-SETTING BODY CONTRIBUTORS TO THIS WORK ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ==============================================================================

THIS MISMO STANDARD INCLUDES THE END USER LICENSE AGREEMENT ATTACHED HERETO AT http://www.mismo.org/mismo/pdf/ipr_policy.pdf AND IS GOVERNED BY AND SUBJECT TO THE END USER LICENSE AGREEMENT. NO USER OF THIS STANDARD MAY REMOVE THIS REFERENCE TO AND STATEMENT REGARDING THE END USER LICENSE. ANY HARD COPY PUBLICATION OF THIS STANDARD MUST INCLUDE AND ATTACH A HARD COPY PRINT OUT OFTHE END USER LICENSE. ANY FURTHER ELECTRONIC DISTRIBUTION OF THIS STANDARD MUST INCLUDE A SPECIFIC REFERENCED LINK TO THE END USER LICENSE AGREEMENT OR OTHER MEANS OF ATTACHMENT OF THE END USER LICENSE AGREEMENT. DISCLAIMER: THIS MISMO STANDARD IS PROVIDED "AS IS." MISMO, THE MORTGAGE BANKERS ASSOCIATION OF AMERICA ("MBA"), THE COPYRIGHT HOLDER, THE AUTHORS OF THIS MISMO STANDARD AND ANY STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD MAKE NO REPRESENTATIONS OR WARRANTIES (i) EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT; (ii) THAT THE CONTENTS OF SUCH MISMO STANDARD ARE FREE FROM ERROR OR SUITABLE FOR ANY PURPOSE; NOR THAT IMPLEMENTATION OF SUCH CONTENTS WILL NOT INFRINGE ANY THIRD-PARTY PATENTS, COPYRIGHTS, TRADEMARKS OR OTHER RIGHTS. IN NO EVENT WILL MISMO, MBA, THE COPYRIGHT HOLDER OR THE STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS MISMO STANDARD, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF MISMO, MBA, THE COPYRIGHT HOLDER AND/OR ANY AUTHORS AND/OR ANY STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

============================================================================== Title : AUS v2.4 Zero Delta Schema File Name : AUS_v2_4.xsd ELE Version : Creation Date : 12/02/05 Modification Date : Modification Date : =============================================================================== Copyright 2005 Mortgage Industry Standards Maintenance Organization (MISMO) All rights reserved. THIS MISMO STANDARD INCLUDES THE END USER LICENSE AGREEMENT ATTACHED HERETO AT http://www.mismo.org/mismo/pdf/ipr_policy.pdf AND IS GOVERNED BY AND SUBJECT TO THE END USER LICENSE AGREEMENT. NO USER OF THIS STANDARD MAY REMOVE THIS REFERENCE TO AND STATEMENT REGARDING THE END USER LICENSE. ANY HARD COPY PUBLICATION OF THIS STANDARD MUST INCLUDE AND ATTACH A HARD COPY PRINT OUT OFTHE END USER LICENSE. ANY FURTHER ELECTRONIC DISTRIBUTION OF THIS STANDARD MUST INCLUDE A SPECIFIC REFERENCED LINK TO THE END USER LICENSE AGREEMENT OR OTHER MEANS OF ATTACHMENT OF THE END USER LICENSE AGREEMENT. DISCLAIMER: THIS MISMO STANDARD IS PROVIDED "AS IS." MISMO, THE MORTGAGE BANKERS ASSOCIATION OF AMERICA ("MBA"), THE COPYRIGHT HOLDER, THE AUTHORS OF THIS MISMO STANDARD AND ANY STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD MAKE NO REPRESENTATIONS OR WARRANTIES (i) EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT; (ii) THAT THE CONTENTS OF SUCH MISMO STANDARD ARE FREE FROM ERROR OR SUITABLE FOR ANY PURPOSE; NOR THAT IMPLEMENTATION OF SUCH CONTENTS WILL NOT INFRINGE ANY THIRD-PARTY PATENTS, COPYRIGHTS, TRADEMARKS OR OTHER RIGHTS. IN NO EVENT WILL MISMO, MBA, THE COPYRIGHT HOLDER OR THE STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS MISMO STANDARD, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF MISMO, MBA, THE COPYRIGHT HOLDER AND/OR ANY AUTHORS AND/OR ANY STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ==============================================================================

============================================================================== Title : Schema File Name : WG Spreadsheet Version ELE Version : Creation Date : DATE Modification Date : Modification Date : =============================================================================== Copyright 2005 Mortgage Industry Standards Maintenance Organization (MISMO) All rights reserved. THIS MISMO STANDARD INCLUDES THE END USER LICENSE AGREEMENT ATTACHED HERETO AT http://www.mismo.org/mismo/pdf/ipr_policy.pdf AND IS GOVERNED BY AND SUBJECT TO THE END USER LICENSE AGREEMENT. NO USER OF THIS STANDARD MAY REMOVE THIS REFERENCE TO AND STATEMENT REGARDING THE END USER LICENSE. ANY HARD COPY PUBLICATION OF THIS STANDARD MUST INCLUDE AND ATTACH A HARD COPY PRINT OUT OFTHE END USER LICENSE. ANY FURTHER ELECTRONIC DISTRIBUTION OF THIS STANDARD MUST INCLUDE A SPECIFIC REFERENCED LINK TO THE END USER LICENSE AGREEMENT OR OTHER MEANS OF ATTACHMENT OF THE END USER LICENSE AGREEMENT. DISCLAIMER: THIS MISMO STANDARD IS PROVIDED "AS IS." MISMO, THE MORTGAGE BANKERS ASSOCIATION OF AMERICA ("MBA"), THE COPYRIGHT HOLDER, THE AUTHORS OF THIS MISMO STANDARD AND ANY STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD MAKE NO REPRESENTATIONS OR WARRANTIES (i) EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT; (ii) THAT THE CONTENTS OF SUCH MISMO STANDARD ARE FREE FROM ERROR OR SUITABLE FOR ANY PURPOSE; NOR THAT IMPLEMENTATION OF SUCH CONTENTS WILL NOT INFRINGE ANY THIRD-PARTY PATENTS, COPYRIGHTS, TRADEMARKS OR OTHER RIGHTS. IN NO EVENT WILL MISMO, MBA, THE COPYRIGHT HOLDER OR THE STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS MISMO STANDARD, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF MISMO, MBA, THE COPYRIGHT HOLDER AND/OR ANY AUTHORS AND/OR ANY STANDARD-SETTING BODY PARTICIPANTS TO THIS MISMO STANDARD ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ==============================================================================

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