<?xml version="1.0" encoding="UTF-8"?>
<EMORTGAGE_PACKAGE _ID='HUD_Binder'  xmlns:xsi="http://entp.hud.gov">
	<KEY _Name='TransactionMode' _Value =''/>
	<KEY _Name='DateRangeBegin' _Value =''/>
	<KEY _Name='DateRangeEnd' _Value =''/>
	<SMART_DOCUMENT MISMOVersionIdentifier='1.01' PopulatingSystemDocumentIdentifier='FHAVA'>
		<HEADER _ID='FHAVA_Header'>
		<DOCUMENT_INFORMATION MustBeRecordedIndicator='False' NegotiableInstrumentIndicator='False' SMARTDocumentCategoryType='5' _FormNumberIdentifier='OMB-2502-0524' _StateType='Populated' _Type='Other' _CertificateType='' />
		</HEADER>
		<DATA _ID='FHAVA_HECM_COUNSELING_CERTIFICATE'>
			<MAIN>
				<CERTIFICATE MISMOVersionIdentifier='2.3'>
				<_APPLICATION>
					<PROPERTY _PostalCode=''/>
					<CLIENT _FirstName='' _LastName=''/>
				</_APPLICATION>
				<_CLOSING_DOCUMENTS>
					<CERTIFICATE _CertificateID=''/>
				</_CLOSING_DOCUMENTS>
				</CERTIFICATE>
			</MAIN>
		</DATA>
	</SMART_DOCUMENT>
</EMORTGAGE_PACKAGE>