BORROWER. The terms "you" and "your" refer to the Borrower.

LENDER. The term "Lender" means Nexity Bank whose address is 3500 Blue Lake Drive, Suite 330, Birmingham, Alabama 35243

The information provided below reflects estimates of the charges which you are likely to incur at the settlement of your loan. The fees listed are estimates; the actual charges may be more or less. Your transaction may not involve a fee for every item listed.

The numbers listed beside the estimates generally correspond to the numbered lines contained on the HUD-1 or HUD-1A Settlement Statement that you will be receiving at settlement. The HUD-1 or HUD-1A Settlement Statement will show you the actual costs for items paid at settlement.

These estimates are provided pursuant to the Real Estate Settlement Procedures Act of 1974, as amended ("RESPA"). Additional information can be found in the HUD Special Information Booklet, which is to be provided to you by your mortgage broker or Lender, if your application is to purchase residential real property and the Lender will take a first lien on the property.

This is neither a contract nor a commitment to lend. Items marked "POC/L" are to be paid outside of closing by lender.