Exhibit · Anonymized Verification Report

One file.
One finding, fully traced.
One seal.

This is what a Flightline verification report looks like. Scroll through the cover, a single finding traced from document to rule to conclusion, and the SHA-256 seal written at issuance.

01Cover02One finding, fully traced03The seal
Stage 01 · Cover

Every review produces a document like this one.

Signed at the top. Sealed at the bottom.

Cleared to Close. Seven findings on the file. None that block the loan.

Verification Report
Residential Mortgage · FNMA Conventional
FL-VRF-000-0842-8812
2026-04-17 · 09:41 ET
Rubric v4.2 · Sealed
Document
FL-VRF-000-0842-8812
Issued
17 Apr 2026 · 09:41 ET
Rubric
v4.2 · 2026-04-01
◆ SealedCleared to Close7 Findings
0 Blocking
Digest8F3A 2C1B 0D1E C21F
Stage 02 · One finding, fully traced

The report shows one line for each finding. The chain behind it is the whole story.

The calculation runs on the page. Every figure is shown.

Rules are cited with the effective date as of review day. The version the reviewer checked is preserved.

Every fact points back to the document it came from. Every document was hashed at intake.

The rubric decides which documents a given check reads from. Every document in the file is kept and hashed.

Every finding in the report has this chain behind it.

Deferred student loan payment understated in DTI. FNMA B3-6-05 requires 1% of balance when no scheduled payment is reported.
Finding F-114 · Provenance
Finding F-114Critical
Deferred student loan payment computed as $0.
The credit report reflects a deferred loan with no scheduled monthly payment. FNMA B3-6-05 requires 1% of the outstanding balance in qualifying when no payment is reported. The original file carried $0.
CalculationShown, not summarized
Outstanding balance$68,400
Payment in original DTI$0 / mo
Required per B3-6-051% × $68,400 = $684 / mo
Impact on DTI+7.3 pts
RuleFNMA · Selling Guide
B3-6-05 · Monthly Debt Obligations / Student Loans
Effective 2026-02-14 · version at review
“A payment equal to 1% of the outstanding balance must be used in qualifying when no scheduled monthly payment is reported.”
Evidence4 documents · hashed at intake
Tri-Merge Credit Report7e9b 112dstudent balance · $68,400
Nelnet Student Loan Statement8c10 44b7payment · $0 (deferred)
URLA (Form 1003)a4c1 88f0liabilities disclosed · $68,400
Chase Bank Statement · Feb 2026ff23 d1a0reserves · $54,220
Intake Manifest142 documents received
URLA (Form 1003)a4c1 88f0
Tri-Merge Credit Report7e9b 112d
Nelnet Student Loan Statement8c10 44b7
+ 139 more documents hashed and preserved
One finding. Traced end to end.
Stage 03 · The Seal

Everything the reviewer checked is on the page.

A SHA-256 of the full document is written at issuance.

The digest is stored alongside the record, tied to the reviewer who signed it.

If a regulator asks how this report was produced, the audit trail answers.

Verification Report
FL-VRF-000-0842-8812 · Rubric v4.2
2026-04-17
09:41 ET
SHA-256 · Report Digest
8F3A2C1B0D1EC21F77040BB19A883E42
Audit trailSealed records, retained for the program window
#0842-8810FL-VRF-000-0842-88102026-04-17 · 09:34 ET
#0842-8811FL-VRF-000-0842-88112026-04-17 · 09:38 ET
#0842-8812FL-VRF-000-0842-88122026-04-17 · 09:41 ET◆ sealed
Auditable on request
FL-VRF-000-0842-8812 · digest on file
The signed record and its digest are retained for the full retention window. Provided on request to your auditors and examiners.

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