<EMORTGAGE_PACKAGE _ID='HUD_Binder'>
<KEY _Name='TransactionMode' _Value =''/>
<KEY _Name='Requestor' _Value =''/>
<KEY _Name='Comments' _Value =''/>
<KEY _Name='StartDate' _Value =''/>
<KEY _Name='EndDate' _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' _TypeOtherDescription='HECMCounselingCertificate' />
</HEADER>
<DATA _ID='FHAVA_HECM_COUNSELING_CERTIFICATE'>
 <MAIN>
  <LOAN MISMOVersionIdentifier='2.3'>
   <_APPLICATION>
    <PROPERTY _City='' _PostalCode='' _State='' _StreetAddress='' />
    <BORROWER BorrowerID='' _FirstName='' _LastName='' _MiddleName='' _NameSuffix='' >
     <_NonBorrowerSpouse _FirstName='' _MiddleInitial='' _LastName='' _NameSuffix=''/>
    </BORROWER>
    <POWER_OF_ATTORNEY _FirstName='' _LastName='' _MiddleName='' _NameSuffix=''/>
   </_APPLICATION>
   <_CLOSING_DOCUMENTS>
    <EXECUTION _Date='' />
    <COUNSELINGAGENCY _UnparsedName='' _CounselingAgencyID='' _City='' _State='' _Street='' _PostalCode='' />
    <COUNSELINGSESSION _Date='' _Duration='' _Method='' _UpfrontFee='' _FinancedFee='' _FeeWaived='' />
     <FULFILLMENT_PARTY _RoleType='Other' _RoleTypeOtherDescription='Counselor' _Name=''>
      <CONTACT_DETAIL>
       <CONTACT_POINT _Type='Phone' _Value='' />
       <CONTACT_POINT _Type='Name' _Value='' />
      </CONTACT_DETAIL>
     </FULFILLMENT_PARTY>
     <CERTIFICATE _CertificateID='' _Issued='' _ClientInfluenced='' />
   </_CLOSING_DOCUMENTS>
  </LOAN>
 </MAIN>
</DATA>
</SMART_DOCUMENT>
</EMORTGAGE_PACKAGE>