EFTA01279952.pdf

DEPARTMENT CF HOM BANG SECURITY See The Attached O ma No. 1660.0040
FEDERAL GA EFGENCY MANAGEMENT AGENCY
STANDARD FLOOD HAZARD DETERMINATION inSfluCtiOnS Expires December 31, 2011
SECTION I. LOAN INFORMATION
I . LENDER NAME AND ADDRESS 2. COLLATERAL olkulativMalade HamePecsanal Properly) PROPERTY ADDRESS
'Lap DescAphon may be soothed)
Fifth Third Mortgage Company Charlotte, NC 28202
MD: 1MOCBQ
Cincinnati, OH 45227
3. LENDER ID. NO. 4. LOAN IDENTIFIER 5. AMOUNT OF FLOOD INSURANCE REOUIRED
On File Vickers - S $0.00
SECTION II
A. NATIONAL FI-000 INSURANCE PROGRAM (NRP) COMMUNITY JURISDICTION
I. NAPCommunity Name 2. County(es) 3. State 4. NAP Community Number
CHARLOTTE, CITY OF Mecklenburg NC 370159
B. NATIONAL FLOOD INSURANCE PROGRAM (NAP) DATA AFFECTING BUILDING/MOBILE HOME
I. NAP Map Number or Community-Panel Number 2. NAP Map Panel Effective/ 3. LC4AMLQMR 4. Rood Zone S. No NFIP
(Community name, if not the same as 'A') Revised Date Map
O
Yee
March 02, 2009 Date X
IIIIIMPIRSURANCE AVAIIABIUTY (Cheek all that apply)
fl fl
I. Federal Flood insurance is available (communey pwlic(odas in NRI:2 Regular Program O Emergency Program of NAP
2. Q Federal Flood insurance is not available because community is not participating in the NAP.
3. O Building/Mobile Home is in a Coastal Barrier Resources Area (C8RA) or Otherwise Protected Area (OPA). Federal Flood insurance may not be
available.
CA3RA/OPA designation due:
D. DETERMINATION
IS BUILDING/MOBILE HOME IN SPECIAL FLOOD HAZARD AREA
(ZONES CONTAINING THE LETTERS "A" OR "V" )? O YES NO
II yes, flood insurance is required by the Flood Disaster Protection Act of 1973.
II no, flood insurance is not required by the Flood Disaster Protection Act of 1973.
E COMMENTS (Optional):
Census Data: St: 037 Co: 119 RSA: 16740 Tract: 0001.00
This determination is based on examining the NRP map, any Federal Emergency Management Agency revisions to it, and any other Information needed to
locate the building/mobile home on the NAP map.
F. PREPARERS INFORMATION
NAME. ADDRESS. TELEPHONE NUMBER (ff Wire Thar Lender) DATE OF DETERMINATION
Southwest Financial Services October 16, 2014
FloodCert #: 23536646
Cincinnati Ohio 45202 Life of Loan
MIA Form 81.93 DSC 08 This form may be locally reproduced
siand erd Raid HMO Detemdialkoil Form
YMP
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EFTA_00141376
EFTA01279952

STANDARD FLOOD HAZARD DETERMINATION FORM INSTRUCTIONS
PAPERWORK BURDEN DISCLOSURE NOTICE
Public reporting burden for this data collection is estimated to average 20 minutes per response. The burden estimate includes the lime
for reviewing instructions. searching existing data sources, gathering and maintaining the data needed. and completing and submitting
this form. You are not required to respond to this collection of information unless a valid OMB control number is displayed on this form.
Send comments regarding the accuracy of the burden estimate and any suggestions for reducing the burden to: Information Collections
Management. Department of Homeland Security. Federal Emergency Management Agency. 500 C Street. SW. Washington. DC 20472.
Paperwork Reduction Project (16600040) NOTE: Please do not send your completed form to the above address.
SECTION 1
I. LENDER NAME: Enter tender name and address.
2. COLLATERAL (Building/Mobile Home/Personal Property) PROPERTY ADDRESS: Enter property address for the insurable collateral. In
rural areas, a postal address may not be sufficient to locate the property. In these cases, legal property descriptions may be used and
may be attached to the form if space provided is insufficient.
3. LENDER ID NO: The lender funding the loan should identify itself as follows: FDIC-insured lenders should indicate their FDIC Insurance
Certificate Number: Federally-insured credit unions should indicate their charter/insurance number; Farm Credit institutions should indicate
their UNINUM number. Other lenders who fund loans sold to or securitized by FNMA or FHLMC should enter FNMA or FHLMC
seller/service number.
4. LOAN IDENTIFIER: Optional. May be used by tenders to conform with their individual method of identifying loans.
5. AMOUNT OF FLOOD INSURANCE REQUIRED: Optional. The minimum federal requirement for this amount is the lesser of: the
outstanding principal loan balance: the value of the improved property. mobile home and/or personal property used to secure the loan: or
the maximum statutory limit of flood insurance coverage. Lenders may exceed the minimum federal requirements. National Flood
Insurance Program (NFIP) policies do not provide coverage in excess of the value of the building/mobile home/personal property.
SECTION 2
A. NATIONAL FLOOD INSURANCE PROGRAM (NAP) COMMUNITY JURISDICTION
1. NFIP Community Name. Enter the complete name of the community (as indicated on the NAP map) in which the building or mobile
home is located. Under the NFIP. a community is the political unit that has authority to adopt and enforce floodplain management
regulations for the areas within its jurisdiction. A community may be any State or area or political subdivision thereof, or any Indian tribe
or authorized tribal organization, or Alaska Native village or authorized native organization. (Examples: Brewer. City of: Washington.
Borough of; Worchester. Township of: Baldwin County; Jefferson Parish) For a building or mobile home that may have been annexed by
one community but is shown on another community's NAP map, enter the Community Name for the community with land-use jurisdiction
over the building or mobile home.
2. County(ies). Enter the name of the county or counties in which the community is located. For unincorporated areas of a county. enter
"unincorporated areas: For independent cities. enter • independent city."
3. State. Enter the two-digit state abbreviation. (Examples: VA. TX. CA)
4. NFIP Community Number. Enter the 6-digit NAP community number. This number can be determined by consulting the NFIP
Community Status Book or can be found on the NFIP map: copies of either can be obtained from FEMA's Website http://msc/lema.gov or
by calling 1-800-358-9616. If no NFIP Community Number exists for the community. enter "none."
NRP DATA AFFECTING BUILDING/MOBILE HOME
The information in this section (excluding the LOMA/LOMR information) is obtained by reviewing the NFIP map on which the
buildingrmobile home is located. The current NFIP map may be obtained from FEMA by calling 1.800-358-9616. Scanned copies of the
NFIP maps can be viewed on FEMA's website at http://msc.lema.gov. Note that even when an NFIP map panel is not printed. it may be
reflected on a community's NAP map index with its proper number, date. and flood zone indicated: enter these data accordingly.
FEMA Form 81.93 OEC O8 Tms lam may be locally reproebaced
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YMP VMP525 (09011
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1. NFIP Map Number or Community-Panel Number. Enter the 11 -digit number shown on the NAP map that covers the building or
mobile home. (Examples: 480214 0022C: 58103C0075F). Some older maps will have a 9-digit number (Example: 12345601A). Note
that the first six digits will not match the NAP Community Number when the sixth digit is a "C" or when one community has annexed
land from another but the NFIP map has not yet been updated to reflect this annexation. When the sixth digit is a • C". the NAP map is in
countywide format and shows the flood hazards for the geographic areas of the county on one map, including flood hazards for
incorporated communities and for any unincorporated county contained within the county's geographic limits. Such countywide maps
will list an NAP Map Number. For maps not in such countywide format. the NFIP will list a Community-Panel Number on each panel.
If no NFIP map is in effect for the location of the building or mobile home, enter 'none?
2. NAP Map Panel Effective/Revised Date. Enter the map effective date or the map revised date shown on the NFIP map. (Example:
6/15193) This will be the latest of all dates shown on the map.
3. LOMA/LOMA. If a Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR) has been issued by FEMA since the
current Map Panel Effective/Revised Date that revises the flood hazards affecting the building or mobile home. check "yes' and specify
the date of the letter otherwise, no entry is required. Information on LOMAs and LOMR5 is available from the following sources:
• The community's official copy of its NFIP map should have a copy of all subsequently-issued LOMAs and LOMRs attached to it.
• For LOMAs and LOMRs issued on or alter October 1. 1994, FEMA publishes a list of these letters twice a year as a compendium in
the Federal Register. This information is also available on FEMA's website at http://mscrema.gov.
• A subscription service providing digitized copies of these letters on CD-ROM is also available by calling 1.800.358.9616.
4. Rood Zone. Enter the flood zone(s) covering the building or mobile home. (Examples: A. AE. A4. AR. AFVA. AR/AE AFVAO, V. VE
V12. AH. AO, B. C. X. D) If any part of the building or mobile home is within the Special Flood Hazard Area (SFHA). the entire
building or mobile home is considered to be in the SA-4A. All flood zones beginning with the letter 'A" or • V" are considered Special
Rood Hazard Areas (SFHAs). Each flood zone is defined in the legend of the NFIP map on which it appears. If there is no NAP map
for the subject area. enter • none?
5. No ARP Map. If no NAP map covers the area where the building or mobile home is located. check this box.
C. FEDERAL FLOOD INSURANCE AVAILABILITY. Check all boxes that apply; however. note that boxes 1 (Federal Flood Insurance is
available ...) and 2 (Federal Flood Insurance is not available ...) are mutually exclusive. Federal flood insurance is available to all
residents of a community that participates in the NAP. Community participation status can be determined by consulting the NAP
Community Status Book. which is available from FEMA and at http://msc.lema.gov. The NAP Community Status Book will indicate
whether or not the community is participating in the NAP and whether participation is in the Emergency or Regular Program. If the
community participates in the NAP, check either Regular Program or Emergency Program. To obtain Federal flood insurance, a copy
of this completed form may be provided to an insurance agent.
Federal flood insurance is prohibited in designated Coastal Barrier Resources Areas (CBRA) and Otherwise Protected Areas (OPAs)
for buildings or mobile homes built or substantially improved alter the date of the CBRA or OPA designation. Information about the
Coastal Barrier Resources System may be obtained on FEMA's website at http://www.fema.govhilip/cobra.shtm.
D. DETERMINATION. If any portion of the building/mobile home is in an identified Special Flood Hazard Area (SFHA), Check yes (flood
insurance is required). If no portion of the building/mobile home is in an identified SR A. check no. II no NFIP map exists for the
community, check no. If no NFILP map exists. Section B5 should also be checked.
E COMMENTS. Optional.
F. PREPARERS INFORMATION. II other than the lender. enter the name. address, and telephone number of the company or
organization performing the flood hazard determination. An individual's name may be included, but is not required.
Date of Determination. Enter date on which flood hazard determination was completed.
MULTIPLE BUILDINGS: If the loan collateral includes more than one building. a schedule for the additional buildings/mobile homes
indicating the determination for each may be attached. Otherwise. a separate form must be completed for each building or mobile home.
Any attachments should be noted in the comment section. A separate flood insurance policy is required for each building or mobile home.
GUARANTEES REGARDING INFORMATION: Determinations on this form made by persons other than the lender are acceptable only
to the extent that the accuracy of the information is guaranteed.
FORM AVAILABILITY: Copies of this form are available from the FEMA fax-on-demand line by calling (202) 646-FEMA and requesting
form #23103. Guidance on using the form in a printed, computerized, or electronic format is contained in form #23110. This information
is also available on FEMA's website http://www.lema.govAliptsfhdform.shtm.
PURPOSE OF FORM: In accordance wish P.L. 103-325. Sec. 1365. (b) (1), this form has been designated to facilitate compliance
with the flood insurance purchase requirements of the National Rood Insurance Reform Ad of 1994.
MOJA Form 81.93 0CC 08 This form may be locally reproduced
madam ROad HSZWI DeteieWlelkul Form
YMP 8 VMP525 (09011
Mlles Kluwer Rnancial &moos Page 3 of 3
CONFIDENTIAL
SDNY_GM_00030765
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EFTA01279954