1. Cyndie Campbell Vice President, Regions Mortgage 211 N Pennsylvania Street Indianapolis, IN 46204 Telephone: 317-221-6041 Fax: 317-221-6010

2. FICO Scores are calculated from a lot of different credit data in your credit report. This data can be grouped into five categories. The percentages listed in the chart reflect the importance of each category in determining your score. - Most accurate website: myFICO.com ► Payment History Amounts Owed Length of Credit History Types of Credit Used New Credit 10% 15% 35% 30%

3. Account payment information Presence of adverse Public Records Delinquent accounts or collection items Time since past due ► ► ► ► - i.e. Bankruptcy, Judgements, Liens Amount owing on accounts Number of accounts with balances Portion of credit lines used ► ► ►

4. Time since accounts opened Time since account activity ► ► Number of recently opened accounts Number of credit inquiries ► ► - i.e. Credit Cards, Retail accounts, Installment Loans, Mortgages, Consumer Finance accounts Number of various types of accounts ►

5. Debt to Income Ratio Credit Score ► ► - Amount of debt owed compared to your monthly income. - The use of a numerical score to indicate the “quality” of a borrower’s credit history and the likelihood that debt will be repaid in the future. 30 Year Fixed Rate (FHA) Adjustable Rate Mortgages (ARM) Other options may be available ► ► ►

6. How much longer will you be there? Will you be able to recoup the cost to refinance? ► ► How long will you live there? Do you have a down payment or gift funds? ► ►