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L. SETTLEMENT CHARGES PAID FROM 
BORROWER'S
 FUNDS AT
SETTLEMENT 
PAID FROM 
SELLER'S
FUNDS AT 
SETTLEMENT 
700. TOTAL SALES/BROKER'S COMMISSION based on rice $    100,000.00 @ 6.000 = 6, 000.00
Division of commission (line 700) as follows:
701. $     3,000.00    to     Listing Broker
702. $     3,000.00    to     Selling Broker
703. Commission paid at Settlement   6,000.00
704. Agent Bonus    
800. ITEMS PAYABLE IN CONNECTION WITH LOAN
801. Loan Origination Fee 1.000 % Cash Flow Mortgage Co. 995.00  
802. Loan Discount 2.000 % Cash Flow Mortgage Co. 995.00 995.00
803. Appraisal Fee    
804. Credit Report    
805. Lender's Inspection Fee    
806 Mortgage Application Fee    
807. Assumption Fee    
808. Tax Service Fee                to   Cash Flow Mortgage Co. 75.00  
809. Document Preparation Fee   to Cash Flow Mortgage Co. 95.00  
810. Flood Certification Fee    to   Cash Flow Mortgage Co. 20.00  
811. Underwriting Fee      to      Cash Flow Mortgage Co. 150.00   
900. ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANCE
901. Interest From 12/31/2005 to 01/01/2006
$ 42.3600 /day                         1 Days
42.36  
902. Mortgage Insurance Premium for                        to    
903. Hazard Insurance Premium for                           to    
904. VA Funding Fee    
905.    
1000. RESERVES DEPOSITED WITH LENDER FOR
1001. Hazard Insurance                  2 mo. @ $       25.00 / mo. 50.00  
1002. Mortgage Insurance                  mo. @ $                 /mo.    
1003. City Property Taxes                  mo. @ $                 /mo.    
1004. County Property Taxes          8 mo. @ $     173.54 /mo. 1,388.32  
1005. Annual Assessments               mo. @ $                 /mo.    
1009. Aggregate Analysis Adjustment    
1100. TITLE CHARGES
1101. Settlement or closing fee  to  Keystone Title Settlement Services, Inc. 200.00 100.00
1102. Abstract or title search  to Keystone Title Settlement Services, Inc. 250.00  
1104.Title insurance binder 35.00  
1105. Document Preparation to Keystone Title Settlement Services, Inc.   75.00
1106. Notary Fees    
1107. Attorney's fees    
(includes above items No:                                    )    
1108. Title Insurance  to Commonwealth Land Title Insurance Co. 420.00  
(includes above items No:    $35 Simultaneous Issue/binder )    
1109. Lender's Coverage $               99,500.00   -   250.00    
1110. Owners' Coverage $               100,000.00 - 135.00     
1112. Federal Express Payoff  to  Keystone Title Settlement Services, Inc.   26.00
1113. LIEN SEARCH  to Keystone Title Settlement Services, Inc. 15.00  
1200. GOVERNMENT RECORDING AND TRANSFER CHARGES
1201. Recording Fees Deed  
$ 25.00;         Mortgage $25.00 ;       Release  $
50.00  
1202. State Recordation Tax   Deed 
$  700.00    , Mortgage  $
700.00  
1203. State Transfer Tax        Deed
 $       500.00    ,    Mortgage $
500.00  
1204. Record Assignment  to Clerk of the Circuit Court    
1205. Record POA to Clerk of the Circuit Court    
1300. ADDITIONAL SETTLEMENT CHARGES
1301. Survey  to USA Surveyors 125.00  
1302. Pest Inspection    
1303. Well & Septic    
1304. Processing Fee   115.00
1400. TOTAL SETTLEMENT CHARGES 
 (enter on lines 103, Section J and 502, Section K)
6, 064.24 7, 211.00

I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and disbursements made on my account in this transaction. I further certify that I have received a copy of the HUD-1 Settlement Statement.

________________________              _________________________
John T. Readybuy                                  Thomas T. Moneysell

________________________               ________________________
Mary A. Readybuy                                  Betty E. Moneysell
The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction. I have caused or will cause funds to be disbursed in accordance with this statement.

_______________________               _________________________
Settlement Agent                                    Date

WARNING: It is a crime to knowingly make false statements to the United States on this or any other similar form. Penalties upon conviction can include a fine and imprisonment. For details see: Title 18 U.S. Code Section 1001 and Section 101

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