THE REVIEW OF A FILE DOES NOT CONSTITUTE A FULLY UNDERWRITTEN LOAN FILE.  ACCORDINGLY, THIS IS NOT A COMMITMENT TO LEND MONEY.  CONDITIONAL LOAN UNDERWRITING IS BASED SOLELY ON THE INFORMATION SUBMITTED.  LOAN FILE ARE SUBJECT TO A SATISFACTORY UNDERWRITING AND A QUALITY CONTROL REVIEW.  THIS TERM SHEET IS NOT TO BE CONSTRUED AS A CONSUMER ADVERTISEMENT UNDER REGULATION Z 1026.24.  NOT INTENDED FOR THE GENERAL PUBLIC.