{"text_format":"1","workbook":"xlsx","n_sheets":5,"sheets":["Instructions","Exception Request Form","Missing Loans","Amortization Schedule","Examples"],"not_rendered":{"charts":0,"images":14,"macros":1,"external_links":0,"defined_names":34,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Instructions","index":0,"n_rows":82,"n_cols":4,"rows_kept":82,"cut":false,"hidden":false,"merged":[]}
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[null,"Exception Types","Description"]
[null,"Payment Error","Any exception due to a payment error (Missed payment, different P&I or Rate, or Due Date issue- If reversal/re-appliciation is due to a curtailment then use Curtailment Error exception code) "]
[null,"Curtailment Error","Curtailment Error - Any exception due to a curtailment error (missing curtailment, reversal, multiple curtailment application, etc) Note: You must populate the Curtailment amounts and Dates in the applicable fields.\nNOTE: The Curtailment date represents the regular amortized payment date – NOT the actual transaction date."]
[null,"Payoff Error","Any exception due to a payoff (missing payoff amt, date, action code)"]
[null,"Missing Loan","Loans due but not reported on by Servicer. "]
[null,"Amortization Schedule","Loan information from previous cycle(s) were not entered."]
[]
[]
[null,"Exceptions","Possible Cause(s) of Exception","Ways to Clear Exception"]
[null,"Missing Loan"]
[null,"Loan(s) Not Reported - Use Missing Loans Tab","• Servicer did not report on loan(s) on their transmission/file.\n• Servicer reports loans with incorrect investor loan number(s).","Loans due but not reported on by Servicer. Servicer to electronically provide Ending Actual and Scheduled Balances, Due Dates, and Unscheduled Principal collected during reporting month"]
[null,"Amortization Schedule"]
[null,"Loan(s) Exceptions caused from activity in previous cycles - Use Amortization Schedule Tab","• Loan information from previous cycle(s) were not entered.","Servicer to electronically provide all necessary information on Amortization Tab"]
[null,"Payment Error"]
[null,"P&I Difference","P&I is different from Servicer reported P&I constant.","Servicer to contact MPF Provider immediately."]
[null,"Note Rate Difference","Interest Rate is different from Servicer reported Interest Rate.","Servicer to contact MPF Provider immediately."]
[null,"Servicing Fee Rate Difference","Servicing Fee Rate is different from Servicer reported Servicing Fee Rate.","Servicer to provide a copy of Purchase Advice."]
[null,"Next Due Date or LPI Difference","Projected different Borrower Next Due Date","Servicer to provide a copy of loan history to verify Borrower Next Due Date."]
[null,"Curtailment Error"]
[null,"Curtailment on Delinquent Loan","• Servicer is applying Delinquent Curtailment (Master Servicer will not apply)\n• Servicer is not reporting Curtailment Date\n","• Servicer to reverse Curtailment(s) prior to Next Reporting Period\n• Servicer to reduce Calculated Remittance by Curtailment(s) amount."]
[null,"Curtailment Interest Difference","• Servicer reported Curtailment Interest is different from calculated Curtailment Interest","Servicer to provide updated 300 form with correct curtailment interest amount"]
[null,"Curtailment(s) Reversed","A curtailment reported in a prior reporting period is being reveresed in the current reporting period. The reversal amount must be reported as a negative value.","Servicer to provide correct curtailment amount and date"]
[null,"Missed Curtailment(s)","Servicer missed reporting curtailment amount/date","Servicer to provide correct curtailment amount and date"]
[null,"Payoff Error"]
[null,"Payoff Principal Difference","Payoff Principal reported by Servicer is different from calculated Payoff Principal","• Principal portion of payment being reported with the liquidation amount.\n• Servicer reported liquidation amount after curtailment applied"]
[null,"Payoff Interest Difference","Payoff Interest reported by Servicer is different from calculated Payoff Principal","Servicer to provide loan payoff Amortization Schedule."]
[null,"Paid in Full Date Not Reported/Incorrect","Servicer did not provide correct report date of loan payoff","Servicer to provide correct loan payoff date."]
[null,"Action Code Change - 60","Payoff loan should have been reported with Action Code 60","Servicer to provide an appropriate Action Code."]
[null,"Action Code Change - 65","Payoff loan should have been reported with Action Code 65","Servicer to provide an appropriate Action Code."]
[null,"FHA Loan Prior to 1/21/2015","Should Collect Full Month of Interest on Payoff","Servicer to provide Loan Number"]
[null,"FHA Loan After 1/21/2015","Should Collect Interest up to and including the day of Payoff","Servicer to provide Loan Number"]
[]
[null,"[1] MPF Program does not accept partial payments."]
[null,"[2] Although not a required field by servicer, items noted to assist in overall balancing and remittance calculation"]
[null,"[3] MPF Program does not accept curtailments on delinquent loans."]

{"sheet":"Exception Request Form","index":1,"n_rows":19,"n_cols":17,"rows_kept":19,"cut":false,"hidden":false,"merged":[[0,2,0,8],[7,0,7,6],[0,0,0,1],[1,0,1,1],[2,0,2,1],[3,0,3,1]]}
[null,null,"                                      Exception Clearing Report (Form SG403)"]
[]
[null,null,null,null,null,"Revision Date:1/8/2020"]
[]
[]
[]
[]
[]
[]
[]
["Choose one of each category per form:",null,null,null,null,null,null,null,null,null,null,"Payoff Error"]
[null,null,null,null,null,null,null,null,null,null,null,"Curtailment Error"]
[null,null,null,null,"*IF NO EXCEPTIONS, FORM DOES NOT NEED TO BE FILLED OUT",null,null,null,null,null,null,"Payment Error"]
[]
[]
[]
[]
[]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule Tab)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3","Date Entered"]

{"sheet":"Missing Loans","index":2,"n_rows":1,"n_cols":24,"rows_kept":1,"cut":false,"hidden":false,"merged":[]}
["Investor No.","PFI Loan No.","Loan No.","Borrower Name","P&I","Note Rate","Serv Fee Rate","Serv Fee Amount","Actual End Balance","Scheduled End Balance","Borrower Next Due Date","Curtailment 1","Curtailment Date 1","Curtailment 2","Curtailment Date 2","Curtailment 3","Curtailment Date 3","Principal","Gross Interest","Net Interest","PIF Amount","PIF Date","Action Code","Date Entered"]

{"sheet":"Amortization Schedule","index":3,"n_rows":15,"n_cols":14,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
["EXAMPLES"]
[]
["Scheduled/Scheduled"]
["Loan Number","Payment Date","Begin Sched Bal","Int Rate","SF Rate","Payment","Gross Int","Service Fee","Net Int","Principal","Curtailment Amt","Curt Int","Ending Sched Bal","Ending Act Bal"]
[123456,"2018-05-01",84543.07,3.5000000000000003E-2,2.5000000000000001E-3,847.85,246.5839541666667,17.613139583333336,228.97081458333338,601.26604583333335,200,0.58333333333333337,83741.220620833352,83741.220620833352]
[123456,"2018-06-01",83741.220620833352,3.5000000000000003E-2,2.5000000000000001E-3,847.85,244.24522681076397,17.44608762934028,226.7991391814237,603.60477318923608,null,null,83137.61584764412,83137.61584764412]
[]
["Actual/Actual"]
["Loan Number","Payment Date","Begin Act Bal","Int Rate","SF Rate","Payment","Gross Int","Service Fee","Net Int","Principal","Curtailment Amt","Curt Int","Ending Act Bal"]
[123456,"2018-05-01",84543.07,3.5000000000000003E-2,2.5000000000000001E-3,847.85,246.5839541666667,17.613139583333336,228.97081458333338,601.26604583333335,200,null,83741.80395416668]
[123456,"2018-06-01",83741.80395416668,3.5000000000000003E-2,2.5000000000000001E-3,847.85,244.24692819965284,17.446209157118059,226.80071904253478,603.60307180034715,0,null,83138.200882366335]
[123456,"2018-07-01",83138.200882366335,3.5000000000000003E-2,2.5000000000000001E-3,847.85,242.48641924023516,17.320458517159654,225.1659607230755,605.36358075976489,0,null,82532.837301606574]
[]
["PFI Loan History"]
["Loan Number","Payment Date","Begin Sched Bal","Int Rate","SF Rate","Payment","Gross Int","Service Fee","Net Int","Principal","Curtailment Amt","Curt Int","Ending Sched Bal","Ending Act Bal"]

{"sheet":"Examples","index":4,"n_rows":72,"n_cols":16,"rows_kept":72,"cut":false,"hidden":false,"merged":[]}
["Payment Amount Incorrect"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","Servicer","Payment Error","2018-05-10","P&I Difference"]
[]
["Interest Rate Incorrect"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","Servicer","Payment Error","Payment Error","Note Rate Difference"]
[]
["Servicing Fee Rate Incorrect"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","Servicer","Payment Error","2018-05-10","Servicing Fee Rate Difference"]
[]
["Missed Payment from previous cycle"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","MPF","Payment Error","2018-05-10","Next Due Date or LPI Difference","2018-04-01",123456.78,null,1,"NO"]
[]
["Delinquent Loan with Curtailment"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","Servicer","Curtailment Error","2018-05-10","Curtailment on Delinquent Loan"]
[]
["Difference in Curtailment Interest"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","Servicer","Curtailment Error","2018-05-10","Curtailment Interest Difference"]
[]
["Missed Curtailment from previous cycle"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","MPF","Curtailment Error","2018-05-10","Missed Curtailment(s)",null,123456.78,null,1,"NO",50,"2018-03-01"]
[]
["Reverse Curtailment from previous cycle"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","MPF","Curtailment Error","2018-05-10","Curtailment(s) Reversed",null,23456.87,22648.23,1,"NO",-100,"2018-03-01"]
[]
["Reverse and Reapply Multiple Curtailments"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","MPF","Curtailment Error","2018-05-10","Missed Curtailment(s)",null,123456.78,null,2,"YES",50,"2018-03-01",50,"2018-04-01"]
["xxxx","MPF","Curtailment Error","2018-05-10","Curtailment(s) Reversed",null,123456.78,null,2,"YES",-100,"2018-03-01"]
[]
["Payoff Principal Amount Difference"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","Servicer","Payoff Error","2018-05-10","Payoff Principal Difference"]
[]
["Payoff Intersest Amount Difference"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","MPF","Payoff Error","2018-05-10","Payoff Interest Difference",null,null,null,1,"YES"]
[]
["Not Reported/Change Paid in Full Date"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","MPF","Payoff Error",null,"Paid in Full Date Not Reported/Incorrect","2018-03-28",null,null,1,"NO"]
[]
["Change Payoff Action Code to 60 - Liquidation"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","MPF","Payoff Error","2018-05-10","Action Code Change - 60",null,null,null,1,"NO"]
[]
["Change Payoff Action Code to 65 - Repurchase"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","MPF","Payoff Error","2018-05-10","Action Code Change - 65",null,null,null,1,"NO"]
[]
["Loan Not Reported"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","MPF","Missing Loan","2018-05-10","Loan(s) Not Reported - Use Missing Loans Tab"]
[]
["Loan(s) Exceptions caused from activity in previous cycles"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","MPF","Amortization Schedule","2018-05-10","Loan(s) Exceptions caused from activity in previous cycles - Use Amortization Schedule Tab",null,null,null,null,"YES"]
[]
["Report FHA Loan Prior to 1/21/2015"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","MPF","Payoff Error","2018-05-10","FHA Loan Prior to 1/21/2015",null,null,null,1,"NO"]
[]
["Report FHA Loan After 1/21/2015"]
["MPF Loan Number","MPF/Servicer","Exception Type","Exception Date","Explanation of Difference","Next Due Date/Liquidation Date","Actual Ending Balance","Scheduled Ending Balance","Number of Months","Supporting Documentation Required (i.e. Loan Amortization Schedule)","Curtailment Amount 1","Curtailment Date 1","Curtailment Amount 2","Curtailment Date 2","Curtailment Amount 3","Curtailment Date 3"]
["xxxx","MPF","Payoff Error","2018-05-10","FHA Loan After 1/21/2015",null,null,null,1,"NO"]