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MERGED INFILE CREDIT REPORT
FILE # PREPARED FOR FNMA # 626437 ABC MORTGAGE TEST - TESTML 1600 SUNFLOWER AVE STE 100 COSTA MESA, CA 92626 DATE COMPLETED 01/05/2006 DATE ORDERED 1/4/2006 REPOSITORIES XP/TU/EF PRICE REF. # PISTONS2 RQD' BY PRPD' BY LOAN TYPE

MORTGAGE ADMINISTRATO

PROPERTY ADDRESS APPLICANT SOC SEC # MARITAL STATUS CURRENT ADDRESS PREVIOUS ADDRESS
APPLICANT CO-APPLICANT WALLACE, BEN SOC SEC # 200-52-2006 DOB DEPENDENTS NOT DISCLOSED 4 CHAMPIONSHIP DRIVE, AUBURN HILLS, MI 48326

CO-APPLICANT

DOB LENGTH LENGTH
SCORE MODELS TRANSUNION/FICO CLASSIC (04) - BEN WALLACE - 200522006 SCORE: - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN 010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS 030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT 012 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED EQUIFAX/FACTA BEACON 5.0 - BEN WALLACE - 200522006 SCORE: - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN 00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT 00014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 00002 - LEVEL OF DELINQUENCY ON ACCOUNTS EXPERIAN/FAIR, ISAAC (VER. 2) - BEN WALLACE - 200522006 SCORE: - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL REVOLVING ACCOUNTS 08 - NUMBER OF RECENT INQUIRIES 05 - NUMBER OF ACCOUNTS WITH BALANCES SAFE SCAN *** SAFESCAN *** BEN WALLACE - 200-52-2006 SAFESCANNED: YOUR INQUIRY HAS GONE THROUGH OUR SAFESCAN DATABASE. SSN ISSUED IN 1981, STATE: CA. CREDIT

E C O A

W H O S E

CREDITOR

DATE REPORTED

DATE OPENED DLA

HIGH CREDIT ACCT TYPE
BALANCE TERMS PAST DUE MO REV 90+

STATUS SOURCE

$351000 J B HSBC MORTGAGE CORP U 12/05 08/04 $351000 MTG 360 $11/05 CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST

0 AS AGREED XP/TU/EF

J B NCB NE ER 12/05 09/12/05 HOME EQUITY LINE OF CREDIT - REVOLVING TERMS

$60000 MTG

$54828 MIN $308

J B GMAC 0859035

08/03 11/05

$44618 AUTO

ECOA KEY: B=BORROWER; C=CO-BORROWER; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER; P=PARTICIPANT; S=CO-SIGNER
The information is furnished in response to an inquiry for the purpose of evaluating credit risks. It has been obtained from sources deemed reliable, the accuracy of which this organization does not guarantee. The inquirer has agreed to indemnify that repo bureau for any damage arising from misuse of this information, and this report is furnished in reliance upon that indemnify. It must be held in strict confidence and complies with the provisions of Public Law 91-508, the Fair Credit Reporting Act. Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA, FHMC, FHA, VA and the Farmers Home Administration.
CREDIT TECHNOLOGIES: 40480 GRAND RIVER AVE., STE. H, NOVI, MI 48375 (P) 248-473-7400 (F) 888-445-4922

1/6/2006

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PROPERTY ADDRESS APPLICANT SOC SEC # MARITAL STATUS
APPLICANT WALLACE, BEN DOB 200-52-2006 NOT DISCLOSED
CO-APPLICANT SOC SEC # DEPENDENTS DOB

CREDIT

W H O S E HIGH CREDIT ACCT TYPE BALANCE TERMS PAST DUE MO REV 90+ SOURCE STATUS CREDITOR DATE REPORTED
B B CITIBANK N A 616059 NOTE LOAN

11/04 12/05

$18084 INST
J B BAY FEDERAL CREDIT U 138269

08/05 11/05 11/01 04/02

$16207 AUTO $6500 REV

$$373 $6500 $325*

0 AS AGREED XP/EF 0 CLOSED XP/TU/EF
P B TABANK 04/TRANSFERRED TO ANOTHER LENDER

J B CHASE/CC 15230035

12/05 12/05
04/00 11/05 12/99 12/05 07/99 11/05
$3914 REV $8300 REV $2276 REV
$2667 MIN $67 $2652 MIN $30 $2347 MIN $70
0 AS AGREED XP/TU/EF 0 AS AGREED XP/TU/EF 0 DELINQ 30 XP/TU/EF
A B DISCOVER FIN SVS LLC 6011000
A B CAPITAL 1 BK 41217 Late Dates: 12/05-30

B B WELLS FARGO BANK 4465420

06/05 11/05

$8000 REV $15000 REV

$2347 MIN $70 $0 $0

0 AS AGREED XP/TU/EF 0 PAID XP
A B BAC/FLEET-BKCARD 02/05 11/10/03 ACCOUNT CLOSED AT CONSUMER'S REQUEST
J B BANK OF AMERICA MORT 13364025 SECOND MORTGAGE

06/03 08/04

$55800 MTG

0 PAID XP/TU/EF

J B BANK OF AMERICA MORT 09/04 06/03 $297600 $08/04 MTG 360 $0 CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST
B B BANK OF STOCKTON 08/CHECK CREDIT OR LINE OF CREDIT

12/97 07/99

$500 REV

0 PAID XP/EF

B B CAP ONE BK 04/00 04/03/00 ACCOUNT CLOSED AT CONSUMER'S REQUEST

$569 REV

A B CAP ONE BK

0 PAID

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E C O A W H O S E

HIGH CREDIT ACCT TYPE BALANCE TERMS PAST DUE MO REV 90+ SOURCE STATUS CREDITOR DATE REPORTED
4388641 02/99 ACCOUNT CLOSED AT CONSUMER'S REQUEST

A B CBUSASEARS 5049948

12/05 01/04
08/02 05/04 06/01 10/03 09/98 10/04 09/01 06/03
$2500 REV $17765 AUTO $12200 REV $12500 REV

$0 $0 $$0 $0 $0 $0 $0

0 AS AGREED XP/TU/EF 0 PAID XP/TU/EF 0 AS AGREED XP/EF 0 CRCDLOST XP/TU/EF
J B CHRYSLER FINANCIAL 101306

A B CITI 5424180

J B FNB OMAHA 12/CREDIT CARD LOST OR STOLEN
J B FNB OMAHA 11/03 09/09/03 ACCOUNT CLOSED AT CONSUMER'S REQUEST

$12500 REV

B B GEMB/MERVYNS 12/05 12/01/02 ACCOUNT CLOSED AT CONSUMER'S REQUEST

$700 REV

J B HSBC/RS 04-49001 CLOSED

11/01 05/02

$6500 REV
B B MCYGEMB 12/05 02/03/01 ACCOUNT CLOSED AT CONSUMER'S REQUEST

$800 REV

0 CLOSED XP/TU/EF

U B THD/CBUSA 6035320

03/04 10/04

$15000 REV $6000 REV

$0 $0 $0 $0
0 AS AGREED XP 0 CLOSED XP/TU/EF
B B UNVL/CITI 02/03 02/12/02 ACCOUNT CLOSED AT CONSUMER'S REQUEST
B B US DEPT OF EDUCATION 616059

11/04 12/04

09/99 11/04 11/03 12/04 10/02
$10704 EDU $3537 EDU $3594

$$0 $$0 $0

0 PAID XP/TU/EF 0 PAID XP/EF 0 PAID
B B WELLS FARGO ED FIN S 6160593071

B B WELLS FARGO ED FIN S

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616059307

12/04 02/03 09/98 02/03 11/04 11/04 09/01 08/03
EDU $10700 REV EDU $12500 REV

120 $0 $43 $0 0

XP/EF 0 AS AGREED TU - INACTIVE EF 0 AS AGREED TU/EF

U B CITIBANK 6160593

01/05 08/03

B B FLEET CC 43055000

COLLECTION ACCOUNTS *** NONE *** PUBLIC RECORDS *** NONE *** INQUIRIES EF 01/03/06 BANKAMERIC XP 01/03/06 BAC-MORTGAGE TU 01/03/06 B OF A MORTG XP 12/14/05 NATIONAL CITY BANK XP 12/12/05 NATIONAL CITY BANK TU/EF 12/06/05 CHASEHOME XP 12/06/05 CHASE BANK NA EF 11/04/05 CR TECHINC 11/04/05 CREDIT TECHNOLOGIES IN XP/TU XP 08/12/05 BAY FEDERAL CREDIT UNI XP 08/05/05 FAC - TTY XP 06/24/05 WELLS FARGO BANK TU 09/01/04 NAT'L CITY B EF 07/23/04 INFO1-FRSN XP 07/23/04 LANDAMERICA CREDIT SVC TU 07/23/04 LANDAM CR SV SOURCE OF INFORMATION 1 EQUIFAX - PULLED ON: 01/04/06 - INFILE DATE: 01/22/98 NM: BEN WALLACE SS: 200522006 AD: 4 CHAMPIONSHIP DR, AUBURN HILLS, MI 48326 - REPORTED 09/EXPERIAN - PULLED ON: 01/04/06 NM: BEN WALLACE SS: 200522006 AD: 4 CHAMRIONSHIP DR, AUBURN HILLS, MI 48326 - REPORTED 07/03 - 06/05

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SOURCE OF INFORMATION TRANSUNION - PULLED ON: 01/04/06 - INFILE DATE: 05/01/98 NM: BEN WALLACE SS: 200522006 AD: 4 CHAMPIONSHIP DR, AUBURN HILLS, MI 48326 - REPORTED 01/04 TRADE SUMMARY
# MORTGAGE AUTO EDUCATION OTHER INSTALLMENT OPEN REVOLVING OTHER TOTAL BALANCE HIGH CREDIT PAYMENTS PAST DUE

0 479997

0 571799

0 3509

445681 OLDEST TRADELINE 08/94 UNSECURED DEBT 34316 DEBT/HIGH CREDIT 85% DEROGATORY SUMMARY CHARGE OFFS: 30 DAYS: INQUIRIES: 16 COLLECTIONS: 60 DAYS: BANKRUPTCY: 90 DAYS: PUBLIC RECORDS: OTHER: CREDITORS BANK OF AMERICA MORTGA 1435 RIVER PARK DR, SACRAMENTO, CA 95815 BANK OF AMERICA POB 35140, LOUISVILLE, KY 40232 MORTGAGE 1435 RIVER PARK DRIVE #41, SACRAMENTO CA 95815 BANK OF AMERICA MTG BANK OF ST 301 E MINER AV, STOCKTON CA 95202 BANK OF STOCKTON 301 E MAIN ST, STOCKTON, CA 95202 BANKOFAMERIC/BANKAMERICA 10850 WHITE ROCK R MC-CA3-701-0276, RACHO CORDOVA, CA 95670 BAY FEDERAL CREDIT U 4604 SCOTTS VALLEY DR, SCOTTS VALLEY, CA 95066-4203 BAY FEDERAL CREDIT UNI 3333 CLARES ST, CAPITOLA, CA 95010 CAP 1 BANK PO BOX 85015, RICHMOND VA 23285 CAPITAL 1 BK ****** 11013 W BROAD ST, GLEN ALLEN, VA 23060 CAPITAL ONE BANK PO BOX 85064, GLEN ALLEN VA 23058 CBUSASEARS 133200 SMITH RD, CLEVELAND OH 44130 CHASE BANK NA 250 W HURON MK FERGUSON, CLEVELAND, OH 44113 CHASE/CC 225 CHASTAIN MEADOWS CT., KENNESAW GA 30144 CHEMICAL BAN 1 CHASE SQUARE MC-4, ROCHESTER, NY 14643 CHRYS CRED PO BOX 1509, PLEASANTON, CA 94566

SECURED DEBT

BYMAILONLY 800-444-4302
209-464-8781 209-941-1250 919-861-5240 831-479-6000 (831) 479-6000 800/258-9319 800/955-7070 888-298-2919 216-479-2500 800-477-6761 716-258-6205 BYMAILONLY

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CREDITORS CHRYSLER PO BOX 551080, JACKSONVILLE, FL 32255 CITI P.O. BOX 6500, SIOUX FALLS SD 57117 CITIBANK 701 E. 60TH ST NORTH, SIOUX FALLS SD 57104 CITIBANK N A 701 E 60TH ST N, SIOUX FALLS, SD 57104 CITIBANK STU 701 EAST 60TH STRE, SIOUX FALLS SD 57104 CREDIT TECH 40480 GRAND RIVER, NOVI, MI 48375 CREDIT TECHNOLOGIES IN 40480 GRAND RIVER AVE ST, NOVI, MI 48375 DISCOVER FIN POB 15316, WILMINGTON, DE 19850 DISCOVER FINANCIAL SVC PO BOX 15316, WILMINGTON, DE 19850 DISCOVR CD PO BOX15316, WILMINGTON DE 19850 FLEET CC 680 BLAIR MILL ROAD, HORSHAM, PA 19044 FNB OMAHA 1620 DODGE STREET, OMAHA NE 68197 GMAC PO BOX 12699, GLENDALE, AZ 85318 GEMB/MERV PO BOX 981400, EL PASO TX 79998 GMAC P O BOX 1994, EAST HANOVER NJ 07936 HHLD BANK POB 978, WOOD DALE IL CHRISTIANA RD, NEW CASTLE, DE 19720 HRS/RECOVERY HSBC MORTGAGE CORP USA 2929 WALDEN AVE, DEPEW, NY 14043 HSBC MORTGAGE CORP USA CONSUMER DISPUTES POB 4604, BUFFALO, NY 14240 **** HSBCMTG 2929 WALDEN AVENUE, DEPEW NY 14043 LANDAMERICA CREDIT SVC 23622 CALABASAS RD STE 1, CALABASAS, CA 91302 M E/GECCCC PO BOX 8122, MASON OH 45040 MACYS PO BOX 52186, PHOENIX, AZ 85072 MCYGEMB 9111 DUKE BLVD, MASON, OH 45040 NATIONAL CITY BANK 1900 E 9TH ST LOCATOR #2, CLEVELAND, OH 44114 NAT'L CITY B 1900 EAST 9TH ST, CLEVELAND, OH 44114 NATL CTY CRD 4661 EAST MAIN ST, COLUMBUS OH 43251 NCB NE ER 4661 E MAIN ST, COLUMBUS, OH 43213 NTL CITY 1 CASCADE PLAZA, AKRON OH 44305 OPTIONONEMOR/LENDERSCRDT 20929 VENTURA BLVD SUITE 203, WOODLAND HILLS, CA 91364 SEARS 13200 SMITH RD, CLEVELAND, OH 44130 TA BANK P O BOX 10930, WILMINGTON DE 19850 TABANK******** ONE CORPORATE COMM STE 400, NEW CASTLE, DE 19720 THD/CBUSA PO BOX 6003, HAGERSTOWN, MD LAKEVIEW AVE, LENEXA, KS 66219 TRANSAMERICA BANK UCS/UNIVERSAL CARD PO BOX 44167, JACKSONVILLE, FL 32231 SER********* UNVL/CITI 8787 BAYPINES, JACKSONVILLE FL 32201 US DEP ED 501 BLEEKER STREET, UTICA, NY 13502

866-251-9400 BYMAILONLY 800-967-2400 800-967-2400 800-967-2400 800-445-4922 248-473-7400 800-347-2683 800/347-2683 302-791-4400 800/688-7070 BYMAILONLY BYMAILONLY 800-200-4622 800-695-6950 800/365-0492 716-651-6111 800-338-4626
559-277-6940 800-243-6552 800-243-6552 BYMAILONLY 216-575-2130 (800) 562-0055 818-226-3700 BYMAILONLY 800/356-2333 800/342-0930 BYMAILONLY BYMAILONLY 800/950-5114 904-954-7500 800-848-0979

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CREDITORS PO BOX 7202, UTICA NY 13504 800/621-BLEECKER ST, UTICA NY 13501 800/848-0979 PO BOX 5445, PORTLAND, OR 97228 877-778-E 58TH ST N, SIOUX FALLS SD 57104 800-658-3567 P.O. BOX 3696, PORTLAND OR 97208 800-642-4720 REMARKS EXPERIAN OFAC NAME MATCHING SERVICE: SPELLING OF NAME USED TO ACCESS REPORT DOES NOT MATCH OFAC LIST MISCELLANEOUS INFORMATION Instant View Password: AR-D75715 To verify the authenticity of this credit report, please visit https://credit.credittechnologies.com and click on the Instant View link. Enter report number 626437 and password AR-D75715 to view the report. For any inquiries regarding this report or services provided by CREDIT TECHNOLOGIES please contact us at 248-473-7400. DISCLAIMER US DEPT ED US DEPT OF EDUCATION WELLS FARGO BANK WELLSFARGO WFB CD SVC An asterisk (*) following the payment amount indicates the repositories have no payment data and that the amount was automatically calculated as a percentage of the account balance. This is a report containing information supplied by the repositories listed above. The merge process is automated and the report may include some duplications and/or omissions. Inquiries regarding any disputed items should be directed to the creditor reporting the item, or to the appropriate repository service center(s) listed below. EXPERIAN PO BOX 2002 ALLEN, TX 75013 888-397-3742 www.experian.com/reportaccess TRANSUNION PO BOX 1000 CHESTER, PA 19022 800-888-4213 www.transunion.com
*** END OF REPORT 1/6/2006 6:30:51 AM ***
EQUIFAX PO BOX 740241 ATLANTA, GA 30374 800-685-1111 www.equifax.com

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ABC MORTGAGE TEST 1600 SUNFLOWER AVE STE 100 COSTA MESA, CA 92626 714-708-6950
NOTICE TO THE HOME LOAN APPLICANT
CREDIT SCORE INFORMATION DISCLOSURE
WALLACE, BEN 4 CHAMPIONSHIP DRIVE AUBURN HILLS, MI 48326
In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores. The credit score is a computer generated summary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change. Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate. Credit records may vary from one company to another. If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application. If you have questions regarding the terms of the loan, contact the lender. Your credit scores were provided by the following credit reporting agencies: TRANS UNION PO BOX 4000 CHESTER, PA 19022 866-887-2673 www.transunion.com EXPERIAN PO BOX 2002 ALLEN, TX 75013 888-397-3742 www.experian.com/reportaccess EQUIFAX CREDIT PO BOX 740241 ATLANTA, GA 30374 800-685-1111 www.equifax.com

The following information about your credit scores was created on 1/4/2006. Applicant:WALLACE, BEN Name of Score:EQUIFAX/FACTA BEACON 5.0 Credit Score:679 Range:300-850 Key Factors affecting the score l TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN l TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT l LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED l LEVEL OF DELINQUENCY ON ACCOUNTS Applicant:WALLACE, BEN Name of Score:TRANSUNION/FICO CLASSIC (04) Credit Score:654 Range:300-850 Key Factors affecting the score l TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN l PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS l TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT l LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED Applicant:WALLACE, BEN

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Name of Score:EXPERIAN/FAIR, ISAAC (VER. 2) Credit Score:743 Range:300-850 Key Factors affecting the score l LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED l PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL REVOLVING ACCOUNTS l NUMBER OF RECENT INQUIRIES l NUMBER OF ACCOUNTS WITH BALANCES