Credit Bureau Report

Name: Esposito, Sal

Current Address: $331104584$ Avenue Edmonton, AB T$6$K $0$R$5$

Date of Birth: $03/05/86$ Age: $37$

S $$ Esposito, Maria

Beacon:$672$

Inquiries

Date Member No Member Name Telephone

$06/02/2021001$BB$98852$ ROYAL BANK $(800)760-2829$

$09/02/2023001$BB$45832$ BANK OF

MONTREAL

$(800)783-5809$

Employment

Current Employer: Mechanical Engineer EnergyTech $11/06/2011$

Engineering Technician Natural Gas Co

ES $$ EPSB

Summary

Pub Records Trade Oldest$-$Newest Total High Credit Rating

Trade Information

Member Trades:

Bus$/$ID Code pmt Rptd Opnd HC Bal Rt $30/60/90$

TD $69503/202306/202022,20015,000$ I$1010000$

BMO

Master Card

$03/202306/2018100009000$ R$1010000$

TD

Mortgage

$8/202007/2020350000305000$ M$1000000$

GMAC Fin $65003/202306/202048,32023,999$ I$1010000$

TD Visa $03/202306/20181500000$ R$1010000$

End of report

FN $03-01587950-23-854-$UN $089765112402/05/2024$

Identification

Name: Esposito, Maria

Current Address: $331104584$ Avenue Edmonton, AB T$6$K $0$R$5$

Date of Birth: $11/30/88$ Age: $35$

S $$ Esposito, Sal

Beacon:$605$

Inquiries

Date Member No Member Name Telephone

$12/02/2022122$BB$98852$ ROYAL BANK $(800)760-2829$

$10/02/202212$CGB$45832$ MBNA $(800)563-5569$

$11/02/2022141$BBG$44832$ Costco $(800)452-5458$

$11/02/2022001$ll$35832$ Servus CU $(780)783-1256$

$04/03/202312001$BB$445$ Citibank $(800)483-9584$

$05/03/2023153$BBfR$4562$ Citizens Bank $(800)683-6587$

$01/03/2023163$L$5644$ CU MCCC $(800)583-8000$

$02/03/20231232125522$ BMO $(416)555-5001$

$05/03/2023125897$K Royal bank Visa $(416)756-5658$

$02/03/202365844$LKK Wells Fargo $(405)783-1239$

$04/03/2023001$HHH$4587$ Payday Loans $(780)663-5809$

Employment

Current Employer: CDC Insurance $05/01/2020$

$2018$ prior Student NAIT

ES $$ Natural Gas

Summary

Pub Records Trade Oldest$-$Newest Total High Credit Rating

Assets:

Maria$$s diamond bracelet $$3000$

Sal$$s Antique $1966$ Mustang $$38,000$

Vehicles Owned:

$2017$ Toyota Highlander $$25,000$

$2023$ Chev Silverado $$45,000$

Home: $450,000$

Liabilities:

TD MORTGAGE $305,000$ Monthly Payments $$1950$

TD VISA $$ Owing $12,000$ Limit $$15,000$

BMO MCD $$ Owing $$9,000$ Limit $$10,000$

TD loan Balance $$15000$ owing with payments of $695/$month

GMC Finance lease $$ monthly payment $$650$

Refer to the Credit Bureau to confirm the information provided is correct.

$2.$ Would you include the jewelry and antique vehicle in your application

$3.$ What assets that the client$$s own $($including those listed on NAITLAB Financial$)$ could be considered for collateral, if needed?

$4.$ Calculate the payment of the loan of $$20,000$ interest Prime $+2\mathrm{.}0\%$ and the term is $4$ years $48$ months. $($assume prime is $7\mathrm{.}2\%)$

$5.$Calculate GDS and TDS $($before the new loan payment and after including the new loan payment$).$ Assume the following: heating is $$150,$ taxes are $$250$ Show your work here.TDS before the new loan payment

TDS with the new loan payment

$6.$ Are these ratios acceptable? Why or why not?