TRID RESPONSIBILITY MATRIX

Timing Disclosure Event Responsible Party TimingDisclosure

Event Responsible Party

ApplicationInitial LE & home loan

toolkit bookletBroker Application

Initial LE & home loan

toolkit bookletCorrespondent

Redisclosure due to lock or other CIC that occurs PRIOR to loan submission to

HeritageBankFinancial

Revised LE and CIC form

Redisclosure due to lock or other CIC that occurs PRIOR to loan submission to

HeritageBank Financial

Revised LE and CIC form Correspondent

Loan Submission Loan Submission N/A N/A

Redisclosure due to lock event that

occurs AFTER submission toHeritageBank Financial

Revised LE and CIC form

Redisclosure due to lock event that

occurs AFTER submission to

HeritageBank Financial

Revised LE and CIC form

Correspondent

CIC Form Broker CIC Form Correspondent

Revised LE Broker Revised LE Correspondent

Clear to CloseClosing

Disclosure

HeritageBank submits prelim CD

to closing agent and prepares. Once

finalized, HBF closer sends to

consumer via e-delivery*

Clear to Close Closing Disclosure

Closing Revised CD

If any revisions to CD occur that do not trigger new waiting period, they will be

delivered via e-delivery as soon as

known and finalized, but no later than at

closing.

Closing Revised CD

If any revisions to CD occur that do not

trigger new waiting period, they will be

re-delivered to borrower by

Correspondent as soon as known and

finalized, but no later than at closing.

Wholesale Brokered Transactions Correspondent Transactions

Redisclosure due to borrower

requested change or other CIC event AFTER submission

to HBF

Redisclosure due to borrower

requested change or other CIC event AFTER submissionto HeritageBank Financial

Broker