EFTA Document EFTA01279967

Private Banking Mortgage Expanded DTI Asset Worksheet Income - Monthly gross income $ (6,362) Mortgage Amount $ 325,000 Total monthly Debt: Total monthly debt before new Mortgage $ 8,525 PITI 3,432 Total monthly Debt (includes new Mortgage PITT) $ 11,957 Debt to income (computed) -188% Maximum DTI 50% Additional assets to qualify for DTI difference: Required monthly income $ 23,914 Actual monthly income (6,362) Additional required income $ 30,276 Required unencumbered assets: Required additional assets (for DTI) $ 1,816,560 Minumum asset requirement for Mortgage 500,000 Total assets required $ 2,316,560 CONFIDENTIAL SDNY_GM_00030866 EFTA_00141479 EFTA01279967 4.5% Sample Rate + est on T & I actual (as computed) per guidelines 6361 5 years of additional income (x60 mos.) / these assets do not have to be of 5/3 Varies based on mortgage loan amount /assets must be at 5/3 to qualify for mortgage CONFIDENTIAL SDNY_GM_00030867 EFTA_0014 14 80 EFTA01279968