Agency Update High level Roadmap (Draft) Q1-2017 Q2-2017 Q3-2017 Q4-2017 UCD Implementation and Rollout UCD Required for Borrower CD ULAD/URLA Implementation Date TBD ULDD Phase 3 Implementation Date TBD Fannie Mae / Freddie Mac / FHFA eMortgage (eNote Spec) Develop draft specification Review/ finalize Publish Implement eMortgage (MERS) Finalize requirements MERS implement GSE / industry implement CSP CSP Release 2 / Single Security eCase Binder Implementation Date TBD Credit Report Implementation Date TBD FHA UCD Collection Implementation Date TBD ULAD/URLA Implementation Date TBD HMDA Reporting Lenders Begin To Collect Data Under New Rule for Loans That Might Reach Final Disposition in 2018 Lenders/Technology Partners – Prepare for new HMDA Reporting CFPB Submit to FRB by March 1 – Old Rule Know Before You Owe Implement Revised Rule. Implementation Date TBD Proposed Rule Revision. Rule Date unknown Ginnie Mae PDD Implementation Date TBD Note – this document contains estimated dates and timelines for Agency initiatives. All information is subject to change. Last updated: 1/6/17

Agency Update High level Roadmap continued (Draft) 2018 2019 2020 2021 Implementation and Rollout UCD UCD Required for Seller CD ULAD/URLA Implementation Date TBD Fannie Mae Freddie Mac/FHFA ULDD Phase 3* Implementation Date TBD eMortgage Implement and Act on Action Plan (Timing TBD) eCase Binder Implementation Date TBD Credit Report Implementation Date TBD FHA UCD Collection Implementation Date TBD ULAD/URLA Implementation Date TBD HMDA Reporting Lenders/Technology Partners – Prepare for new HMDA Reporting CFPB 1/1 Low volume institution exclusions effective 1/1 Begin To Collect Data Under New Rule 3/1 Submit 2017 data to CFPB – Old Rule Data, New pipe delimited format 3/1 Submit 2018 data under New Rule to CFPB 1/1 Effective date for quarterly reporting provisions Know Before You Owe No known new requirements for 2018 and later Implementation Date TBD Ginnie Mae PDD Note – this document contains estimated dates and timelines for Agency initiatives. All information is subject to change.

Agency Reporting Requirements in Production Agency Update Agency Reporting Requirements in Production Agency Reporting Requirements Government Sponsored Enterprises (GSEs) UAD – Uniform Appraisal Dataset ULDD – Uniform Loan Delivery Dataset Conference of State Bank Supervisors (CSBS) MCR – Mortgage Call Report Securities and Exchange Commission (SEC) Regulation AB 2 Federal Reserve Comprehensive Capital Analysis and Review (CCAR) Dodd-Frank Stress Tests Office of the Comptroller of the Currency (OCC) MMR – Mortgage Metrics Report Consumer Financial Protection Bureau (CFPB) HMDA – Home Mortgage Disclosure Act Federal Housing Authority (FHA) Electronic Appraisal Delivery (EAD) TOTAL Scorecard Page 3 – Compiled by MISMO Staff