As a reminder please see the following provisions and their corresponding implementation dates:

1. New HUD-1/HUD-1A to be implemented January 1, 2010

2. New Good Faith Estimate to be implemented January 1, 2010

3. Tolerances are to be implemented on January 1, 2010

4. Elimination of FHA Cap to be implemented on January 1, 2010

Will any of the above negatively or positively affect your productivity and potential income?

If any, what are a few of the benefits?

As always, please let us know how Hendricks Appraisal Services may be able to assist you during the transition.