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["CALCULATION OF FEES",null,null,"CALCULATION OF RATE"]
["Loan amount of Note [a]"," ",null,"Value of Treasury Rate for comparison"," "]
[null,null,null,"Add 8% for 1st or 10% for 2nd lien"," "]
["Fees(1)",null,null,"Maximum rate before a HOEPA Loan",0]
["Finance Charges(2)"," ",null,"APR of loan"," "]
["Fees Pd to Affilliates"," ",null,"                                  Difference",{"$error":"#VALUE!"}]
["Credit Insurance (3)"," ",null,"Compare:  Positive number  =  OK"," "]
["Broker Fees (4)"," ",null,"                 Negative number =HOEPA"]
["Total fees [b]",0]
[]
[]
["Total of (a) minus (b) is [c]",0]
[" "]
["                          [b]",0]
["                          [c]",0]
["[b] divided by [c]  ***",{"$error":"#DIV/0!"}]
[" "," "]
[]
[]
["Instructions:"]
["Input required:  Loan Amount","& Fees",null,"Input required: Treasury Rate"]
[null,null,null,"                         Input 8 or 10%"]
[null,null,null,"                         APR of Loan"]
["*** If this amount is over 8.0% on a 1st lien or 10.0% on a second lien - you have a HOEPA Loan"]
[]
["(1) Fees include all finance charges, compensation to brokers other than YSP, $paid to lender or affilliates of lender even if not finance charge, credit insurance paid before, at or after closing even if state law does not consider it insurance."]
["(2) include upcharges of fees paid to 3rd parties"]
["(3) Includes: credit life, health, debt cancellation, etc.  Excludes: collateral damage, flood, "]
["(4)  All fees to Broker even if poc "]

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