A11 - Asset Optimizer Calculator
                                                   Borrower Name:
                                                   Loan Number: 
                                                   Date of Completion:
                                                   Name of the Individual Completing The Form: 
                            Borrower Information
                                                   Property Value                                                                                        $0.00*
                                                   Loan Amount                                                                                           $0.00*
                                                   LTV
                                                   Rate                                                                                                 0.000%*
                                                   Product Type                                                                                       5/6 ARM*
                                                   Occupancy                                                                                           Primary*
                                                   Number of Mortgaged Investment Properties                                                                  0*
                                                   Credit Event > 24 < 48 Months                                                                            No*
                                                   Add. Reserves Required Per Guides (i.e. derog accts, exception, etc.)                                 $0.00*
                                Asset Information
                                                                                                                                                                                                                          Amount Used for 
                                                                                                                                                                                                          Liabilities   Down Payment and 
                                                   Reserves                                                                                       Percent Used                      Amount     Encumbering Assets             Closing Costs            Net Amount
                                                   Funds in Domestic Bank Accts                                                                           100%                        $0.00                   $0.00                   $0.00                   $0.00
                                                   Funds in Permitted Foreign Banks                                                                       100%                        $0.00                   $0.00                   $0.00                   $0.00
                                                   Funds in Business Accts - Reduce by Ownership % (A11)*                                                 100%                        $0.00                   $0.00                   $0.00                   $0.00
                                                            >Funds in Business Accts (Other Programs)*                                                                                                                                                        $0.00
                                                   Stocks Bonds and Options                                                                               100%                        $0.00                   $0.00                   $0.00                   $0.00
                                                   Borrowers' Beneficial Interest in a Trust                                                              100%                        $0.00                   $0.00                   $0.00                   $0.00
                                                   Retirement Accts                                                                                       100%                        $0.00                   $0.00                   $0.00                   $0.00
                                                   Cash Value on Life Insurance                                                                           100%                        $0.00                   $0.00                   $0.00                   $0.00
                                                   Total Assets to be Used as Income (A11)                                                                                                                                                                    $0.00
                                                   Total Assets to be Used as Income (Other Programs)                                                                                                                                                         $0.00
                                                   Estimated Total Required Reserves                                                                     $0.00
                                                   110% of the Loan Amount                                                                               $0.00
                                                   Estimated Additional Reserves Required**                                                              $0.00
                                                   Pass/Fail for A11                                                                                       Pass
                                                   A11:
                                                   Income Derived from Assets                                                       $                                          -   
                                                   Other Monthly Income***                                                                                     *
                                                   Total Monthly Income for A11                                                     $                                          -   
                                                   Other Programs:
                                                   Other Monthly Income                                                             $                                          -   
                                                   Income from Assets for Other Programs (15% Max)                                  $                                          -   
                                                   Total Monthly Income for Other Programs                                          $                                          -   
                          Housing Expense/Debts
                                                   Qualifying Payment                                                               $                                          -   
                                                   Monthly Property Taxes                                                                                      *
                                                   Monthly Property Insurance                                                                                  *
                                                   HOA Dues                                                                                                    *
                                                   Other Monthly Obligations                                                                                   *
                                                   Total Monthly Debts                                                              $                                          -   
                        DTI
                                                   Estimated DTI for A11                                                                                   N/A
                                                   Estimated DTI for Other Programs                                                                        N/A
                                                   *Business Assets are capped at 40% of the total required reserve figure. If additional assets are required for income, they must be transferred to an eligible acct.
                                                   **Additional reserves will be finalized by underwriting per program guidelines. The estimated additional reserves cannot be used as income for other programs.
                                                   ***Other income from a bank statement analysis may only be used with Supplemental Asset Depletion.