- Selling Guide /
- Part B: Origination Through Closing /
- Subpart B4: Underwriting Property /
- Chapter B4-1: Property Assessment and Valuation /
- Section B4-1.1: General Appraisal Requirements /
- https://selling-guide.fanniemae.com/sel/b4-1.1-02/lender-responsibilities B4-1.1-02, Lender Responsibilities
B4-1.1-02, Lender Responsibilities (09/04/2024)
- Lender Responsibilities
- Confirmation and Documentation of the Current Owner
- Objective and Unbiased Appraisals
- Reporting Unfavorable Conditions
Lender Responsibilities
The lender is responsible for ensuring that the subject property provides adequate collateral for the mortgage. For most loans, Fannie Mae requires that the lender obtain a signed and complete appraisal report that accurately reflects the market value, condition, and marketability of the property. Some loans may be eligible for a value acceptance option, and an appraisal is not required if the lender exercises the option and complies with the related requirements. (See B4-1.4-10, Value Acceptance (Appraisal Waiver)B4-1.4-10, Value Acceptance (Appraisal Waiver) and B4-1.4-11, Value Acceptance + Property DataB4-1.4-11, Value Acceptance + Property Data, for additional information.)
If an appraisal is obtained, the lender is responsible for
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providing the borrower disclosures and requirements described in B4-1.3-12, Appraisal Quality MattersB4-1.3-12, Appraisal Quality Matters;
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compliance with the Appraiser Independence Requirements;
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selection of the appraiser (see B4-1.1-03, Appraiser Selection CriteriaB4-1.1-03, Appraiser Selection Criteria);
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compliance with the Uniform Appraisal Dataset (UAD) when applicable (see B4-1.1-06, Uniform Appraisal Dataset (UAD) and the Uniform Collateral Data Portal (UCDP)B4-1.1-06, Uniform Appraisal Dataset (UAD) and the Uniform Collateral Data Portal (UCDP));
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ensuring the appraiser has utilized sound reasoning and provided evidence to support the methodology chosen to develop the value opinion, particularly in cases that are not covered by Fannie Mae policy;
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successful submission of the appraisal through the UCDP prior to delivery (see B4-1.1-06, Uniform Appraisal Dataset (UAD) and the Uniform Collateral Data Portal (UCDP)B4-1.1-06, Uniform Appraisal Dataset (UAD) and the Uniform Collateral Data Portal (UCDP));
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continually evaluating the appraiser’s work through the quality control process (see B4-1.3-12, Appraisal Quality MattersB4-1.3-12, Appraisal Quality Matters and D1-3-04, Lender Post-Closing Quality Control Review of Appraisers, Appraisals, Property Data Collectors, and Property Data CollectionD1-3-04, Lender Post-Closing Quality Control Review of Appraisers, Appraisals, Property Data Collectors, and Property Data Collection); and
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ensuring the appraisal does not contain subjective and prohibited language relating to discriminatory practices and appraisal bias.
If the transaction involves property data collection, the lender is responsible for
- compliance with the Property Data Collector Independence Requirements;
- selection of the property data collector (see B4-1.4-11, Value Acceptance + Property DataB4-1.4-11, Value Acceptance + Property Data);
- successful submission of the data to Fannie Mae's Property Data API prior to loan delivery; and
- continually evaluating the property data collector's work through the quality control process (see D1-3-04, Lender Post-Closing Quality Control Review of Appraisers, Appraisals, Property Data Collectors, and Property Data CollectionD1-3-04, Lender Post-Closing Quality Control Review of Appraisers, Appraisals, Property Data Collectors, and Property Data Collection).
Confirmation and Documentation of the Current Owner
Publicly available information helps to identify property flipping schemes, which typically involve various combinations of transactions and result in a sale of recently acquired property for significant profit based on a misleading or fraudulent appraisal with an inflated property value. The lender must confirm that the property seller in a purchase transaction (or the borrower in a refinance transaction) is the owner of the subject property.
Lenders must confirm and document in the mortgage file that the property seller in a purchase money transaction or the borrower in a refinance transaction is the owner of the subject property when an appraisal is required. Examples of acceptable documentation include, but are not limited to:
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a copy of a recorded deed, mortgage, or deed of trust,
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a recent property tax bill or tax assessment notice,
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a title report,
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a title commitment or binder, or
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a property sale history report.
This documentation is especially important for transactions involving an assignment (or sale) of a contract for sale and back-to-back, simultaneous, double transaction closings, or double escrows to support the property acquisition, financing, and closing.
When the transaction is part of an employee relocation, the relocation company may be the assignee of the seller, which should be indicated on the sales contract. Additionally, the appraiser must comment on this condition in the appraisal report.
Objective and Unbiased Appraisals
A lender must ensure that the appraiser
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described the property and the neighborhood in factual, unbiased, and specific terms;
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considered all factors that have an effect on value; and
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was objective and unbiased in the development of the opinion of market value in the appraisal report.
A number of federal, state, and local laws prohibit discrimination in the appraisal of housing. Fannie Mae expects professional appraisers to fully understand that discriminatory valuation and appraisal reporting practices are not only illegal, but also unethical. Unintentional discrimination can occur in the appraisal report as the result of what an appraiser states, or fails to state. The lender and appraiser must ensure the appraisal is not in violation of any unacceptable appraisal practices (see B4-1.1-04, Unacceptable Appraisal PracticesB4-1.1-04, Unacceptable Appraisal Practices).
Reporting Unfavorable Conditions
The lender must ensure that appraiser comments regarding unfavorable conditions, such as the existence of an adverse environmental or economic factor, also discuss how the condition affects the value or marketability of the property being appraised and explain how the condition was taken into consideration in the valuation process. In such cases, the appraiser’s analysis must reflect and include comparable sales that are similarly affected whenever possible. The appraiser must address the impact these factors may have, if any, on the value and marketability of the subject property. (See B4-1.3-06, Property Condition and Quality of Construction of the ImprovementsB4-1.3-06, Property Condition and Quality of Construction of the Improvements, for further information).
The table below provides references to the Announcements that have been issued that are related to this topic.
Announcements | Issue Date |
---|---|
Announcement SEL-2024-06 | September 04, 2024 |
Announcement SEL-2024-03 | May 01, 2024 |
Announcement SEL-2023-07 | August 02, 2023 |
Announcement SEL-2023-02 | March 01, 2023 |
Announcement SEL-2021-10 | November 03, 2021 |
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Part A Doing Business with Fannie Mae
- Subpart A1, Approval Qualification
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Subpart A2, Lender Contract
- Chapter A2-1, Contractual Obligations for Sellers/Servicers
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Chapter A2-2, Contractual Representations and Warranties
- A2-2-01, Representations and Warranties Overview
- A2-2-02, Delivery Information and Delivery-Option Specific Representations and Warranties
- A2-2-03, Document Warranties
- A2-2-04, Limited Waiver and Enforcement Relief of Representations and Warranties
- A2-2-05, Invalidation of Limited Waiver of Representations and Warranties
- A2-2-06, Representations and Warranties on Property Value
- A2-2-07, Life-of-Loan Representations and Warranties
- Chapter A2-3, Lender Breach of Contract
- Chapter A2-4, Loan Files and Records
- Chapter A2-5, Fannie Mae Trade Name and Trademarks
- Subpart A3, Getting Started With Fannie Mae
- Subpart A4, Maintaining Seller/Servicer Eligibility
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Part B Origination Through Closing
- Subpart B1, Loan Application Package
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Subpart B2, Eligibility
- Chapter B2-1, Mortgage Eligibility
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Chapter B2-2, Borrower Eligibility
- B2-2-01, General Borrower Eligibility Requirements
- B2-2-02, Non–U.S. Citizen Borrower Eligibility Requirements
- B2-2-03, Multiple Financed Properties for the Same Borrower
- B2-2-04, Guarantors, Co-Signers, or Non-Occupant Borrowers on the Subject Transaction
- B2-2-05, Inter Vivos Revocable Trusts
- B2-2-06, Homeownership Education and Housing Counseling
- B2-2-07, First-Generation Homebuyer Loans
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Chapter B2-3, Property Eligibility
- B2-3-01, General Property Eligibility
- B2-3-02, Special Property Eligibility and Underwriting Considerations: Factory-Built Housing
- B2-3-03, Special Property Eligibility and Underwriting Considerations: Leasehold Estates
- B2-3-04, Special Property Eligibility Considerations
- B2-3-05, Properties Affected by a Disaster
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Subpart B3, Underwriting Borrowers
- Chapter B3-1, Manual Underwriting
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Chapter B3-2, Desktop Underwriter (DU)
- B3-2-01, General Information on DU
- B3-2-02, DU Validation Service
- B3-2-03, Risk Factors Evaluated by DU
- B3-2-04, DU Documentation Requirements
- B3-2-05, Approve/Eligible Recommendations
- B3-2-06, Approve/Ineligible Recommendations
- B3-2-07, Refer with Caution Recommendations
- B3-2-08, Out of Scope Recommendations
- B3-2-09, Erroneous Credit Report Data
- B3-2-10, Accuracy of DU Data, DU Tolerances, and Errors in the Credit Report
- B3-2-11, DU Underwriting Findings Report
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Chapter B3-3, Income Assessment
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Section B3-3.1, Employment and Other Sources of Income
- B3-3.1-01, General Income Information
- B3-3.1-02, Standards for Employment Documentation
- B3-3.1-03, Base Pay (Salary or Hourly), Bonus, and Overtime Income
- B3-3.1-04, Commission Income
- B3-3.1-05, Secondary Employment Income (Second Job and Multiple Jobs) and Seasonal Income
- B3-3.1-06, Requirements and Uses of IRS IVES Request for Transcript of Tax Return Form 4506-C
- B3-3.1-07, Verbal Verification of Employment
- B3-3.1-08, Rental Income
- B3-3.1-09, Other Sources of Income
- B3-3.1-10, Income Calculator
- Section B3-3.2, Self-Employment Income
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Section B3-3.3, Self-Employment Documentation Requirements for an Individual
- B3-3.3-01, General Information on Analyzing Individual Tax Returns
- B3-3.3-02, Income Reported on IRS Form 1040
- B3-3.3-03, Income or Loss Reported on IRS Form 1040, Schedule C
- B3-3.3-04, Income or Loss Reported on IRS Form 1040, Schedule D
- B3-3.3-05, Income or Loss Reported on IRS Form 1040, Schedule E
- B3-3.3-06, Income or Loss Reported on IRS Form 1040, Schedule F
- B3-3.3-07, Income or Loss Reported on IRS Form 1065 or IRS Form 1120S, Schedule K-1
- Section B3-3.4, Self-Employment Documentation Requirements for a Business
- Section B3-3.5, DU Requirements for Income Assessment
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Section B3-3.1, Employment and Other Sources of Income
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Chapter B3-4, Asset Assessment
- Section B3-4.1, General Asset Requirements
- Section B3-4.2, Verification of Depository Assets
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Section B3-4.3, Verification of Non-Depository Assets
- B3-4.3-01, Stocks, Stock Options, Bonds, and Mutual Funds
- B3-4.3-02, Trust Accounts
- B3-4.3-03, Retirement Accounts
- B3-4.3-04, Personal Gifts
- B3-4.3-05, Gifts of Equity
- B3-4.3-06, Grants and Lender Contributions
- B3-4.3-07, Disaster Relief Grants or Loans
- B3-4.3-08, Employer Assistance
- B3-4.3-09, Earnest Money Deposit
- B3-4.3-10, Anticipated Sales Proceeds
- B3-4.3-11, Trade Equity
- B3-4.3-12, Rent-Related Credits
- B3-4.3-13, Sweat Equity
- B3-4.3-14, Bridge/Swing Loans
- B3-4.3-15, Borrowed Funds Secured by an Asset
- B3-4.3-16, Credit Card Financing and Reward Points
- B3-4.3-17, Personal Unsecured Loans
- B3-4.3-18, Sale of Personal Assets
- B3-4.3-19, Cash Value of Life Insurance
- B3-4.3-20, Anticipated Savings and Cash-on-Hand
- B3-4.3-21, Borrower's Earned Real Estate Commission
- Section B3-4.4, DU Requirements for Asset Assessment
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Chapter B3-5, Credit Assessment
- Section B3-5.1, Credit Scores
- Section B3-5.2, Credit Reports
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Section B3-5.3, Traditional Credit History
- B3-5.3-01, Number and Age of Accounts
- B3-5.3-02, Payment History
- B3-5.3-03, Previous Mortgage Payment History
- B3-5.3-04, Inquiries: Recent Attempts to Obtain New Credit
- B3-5.3-05, Credit Utilization
- B3-5.3-06, Authorized Users of Credit
- B3-5.3-07, Significant Derogatory Credit Events — Waiting Periods and Re-establishing Credit
- B3-5.3-08, Extenuating Circumstances for Derogatory Credit
- B3-5.3-09, DU Credit Report Analysis
- Section B3-5.4, Nontraditional Credit History
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Chapter B3-6, Liability Assessment
- B3-6-01, General Information on Liabilities
- B3-6-02, Debt-to-Income Ratios
- B3-6-03, Monthly Housing Expense for the Subject Property
- B3-6-04, Qualifying Payment Requirements
- B3-6-05, Monthly Debt Obligations
- B3-6-06, Qualifying Impact of Other Real Estate Owned
- B3-6-07, Debts Paid Off At or Prior to Closing
- B3-6-08, DU: Requirements for Liability Assessment
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Subpart B4, Underwriting Property
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Chapter B4-1, Property Assessment and Valuation
- Section B4-1.1, General Appraisal Requirements
- Section B4-1.2, Documentation Standards
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Section B4-1.3, Appraisal Report Assessment
- B4-1.3-01, Review of the Appraisal Report
- B4-1.3-02, Subject and Contract Sections of the Appraisal Report
- B4-1.3-03, Neighborhood Section of the Appraisal Report
- B4-1.3-04, Site Section of the Appraisal Report
- B4-1.3-05, Improvements Section of the Appraisal Report
- B4-1.3-06, Property Condition and Quality of Construction of the Improvements
- B4-1.3-07, Sales Comparison Approach Section of the Appraisal Report
- B4-1.3-08, Comparable Sales
- B4-1.3-09, Adjustments to Comparable Sales
- B4-1.3-10, Cost and Income Approach to Value
- B4-1.3-11, Valuation Analysis and Reconciliation
- B4-1.3-12, Appraisal Quality Matters
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Section B4-1.4, Special Appraisal and Other Valuation Considerations
- B4-1.4-01, Factory-Built Housing: Manufactured Housing
- B4-1.4-02, Factory-Built Housing: Modular, Prefabricated, Panelized, or Sectional Housing
- B4-1.4-03, Condo Appraisal Requirements
- B4-1.4-04, Co-op Appraisal Requirements
- B4-1.4-05, Leasehold Interests Appraisal Requirements
- B4-1.4-06, Community Land Trust Appraisal Requirements
- B4-1.4-07, Mixed-Use Property Appraisal Requirements
- B4-1.4-08, Environmental Hazards Appraisal Requirements
- B4-1.4-09, Special Assessment or Community Facilities Districts Appraisal Requirements
- B4-1.4-10, Value Acceptance (Appraisal Waiver)
- B4-1.4-11, Value Acceptance + Property Data
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Chapter B4-2, Project Standards
- Section B4-2.1, General Project Standards
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Section B4-2.2, Project Eligibility
- B4-2.2-01, Limited Review Process
- B4-2.2-02, Full Review Process
- B4-2.2-03, Full Review: Additional Eligibility Requirements for Units in New and Newly Converted Condo Projects
- B4-2.2-04, Geographic-Specific Condo Project Considerations
- B4-2.2-05, FHA-Approved Condo Review Eligibility
- B4-2.2-06, Project Eligibility Review Service (PERS)
- B4-2.2-07, Projects with Special Considerations and Project Eligibility Waivers
- Section B4-2.3, PUD and Co-op Eligibility Requirements
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Chapter B4-1, Property Assessment and Valuation
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Subpart B5, Unique Eligibility and Underwriting Considerations
- Chapter B5-1, High-Balance Mortgage Loans
- Chapter B5-2, Manufactured Housing
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Chapter B5-3, Construction and Energy Financing
- Section B5-3.1, Conversion of Construction-to-Permanent Financing
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Section B5-3.2, HomeStyle Renovation Mortgage
- B5-3.2-01, HomeStyle Renovation Mortgages
- B5-3.2-02, HomeStyle Renovation Mortgages: Loan and Borrower Eligibility
- B5-3.2-03, HomeStyle Renovation Mortgages: Collateral Considerations
- B5-3.2-04, HomeStyle Renovation Mortgages: Costs and Escrow Accounts
- B5-3.2-05, HomeStyle Renovation Mortgages: Completion Certification
- B5-3.2-06, HomeStyle Renovation: Renovation Contract, Renovation Loan Agreement, and Lien Waiver
- Section B5-3.3, HomeStyle Energy Mortgages
- Section B5-3.4, Property Assessed Clean Energy Loans
- Chapter B5-4, Property-Specific Products
- Chapter B5-5, Community Seconds, Loans with Resale Restrictions, and Shared Equity Transactions
- Chapter B5-6, HomeReady Mortgage
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Chapter B5-7, High Loan-to-Value Refinance Option
- B5-7-01, High LTV Refinance Loan and Borrower Eligibility
- B5-7-02, High LTV Refinance Underwriting, Documentation, and Collateral Requirements for the New Loan
- B5-7-03, High LTV Refinance Alternative Qualification Path
- B5-7-04, High LTV Refinance Representations and Warranties
- B5-7-05, High LTV Refinance Pricing, Mortgage Insurance, and Special Feature Codes
- Subpart B6, Government Programs Eligibility and Underwriting Requirements
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Subpart B7, Insurance
- Chapter B7-1, Mortgage Insurance/Loan Guaranty
- Chapter B7-2, Title Insurance
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Chapter B7-3, Property and Flood Insurance
- B7-3-01, General Property Insurance Requirements for All Property Types
- B7-3-02, Property Insurance Requirements for One-to Four-Unit Properties
- B7-3-03, Master Property Insurance Requirements for Project Developments
- B7-3-04, Individual Property Insurance Requirements for a Unit in a Project Development
- B7-3-05, Additional Insurance Requirements
- B7-3-06, Flood Insurance Requirements for All Property Types
- B7-3-07, Evidence of Property Insurance
- B7-3-08, Mortgagee Clause, Named Insured, and Notice of Cancellation Requirements
- Chapter B7-4, Liability and Fidelity/Crime Insurance Requirements for Project Developments
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Subpart B8, Closing: Legal Documents
- Chapter B8-1, General Information on Legal Documents
- Chapter B8-2, Security Instruments
- Chapter B8-3, Notes
- Chapter B8-4, Riders and Addenda
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Chapter B8-5, Special-Purpose Legal Documents
- B8-5-01, General Information on Special-Purpose Legal Documents
- B8-5-02, Inter Vivos Revocable Trust Mortgage Documentation and Signature Requirements
- B8-5-03, HomeStyle Renovation Mortgage Documentation Requirements
- B8-5-04, Sample Legal Documents
- B8-5-05, Requirements for Use of a Power of Attorney
- Chapter B8-6, Mortgage Assignments
- Chapter B8-7, Mortgage Electronic Registration System (MERS)
- Chapter B8-8, Sale of eMortgages to Fannie Mae
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Part C Selling, Securitizing, and Delivering Loans
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Subpart C1, General Information on Execution Options and Loan Delivery
- Chapter C1-1, Execution Options Overview
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Chapter C1-2, Loan Delivery Overview
- C1-2-01, General Information on Delivering Loan Data and Documents
- C1-2-02, Loan Data and Documentation Delivery Requirements
- C1-2-03, Ownership of Mortgage Loans Prior to Purchase or Securitization and Third-Party Security Interests
- C1-2-04, Delivering eMortgages to Fannie Mae
- C1-2-05, Delivering Green MBS to Fannie Mae
- C1-2-06, Bailee Letters
- Chapter C1-3, Loan Remittance Types Overview
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Subpart C2, Whole Loan Transactions
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Chapter C2-1, Mandatory and Best Efforts Commitments to Sell Whole Loans
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Section C2-1.1, Mandatory Commitments to Sell Whole Loans
- C2-1.1-01, Mandatory Commitment Process
- C2-1.1-02, General Information about Mandatory Commitment Pricing and Fees
- C2-1.1-03, Mandatory Commitment Terms, Amounts, Periods and Other Requirements
- C2-1.1-04, Mandatory Commitment Extensions and Pair-Offs
- C2-1.1-05, Servicing Fees
- C2-1.1-06, Accrued Interest Payments for Regularly Amortizing Mortgages
- C2-1.1-07, Standard ARM and Converted ARM Resale Commitments
- Section C2-1.2, Best Efforts Commitments to Sell Whole Loans
- Section C2-1.3, Servicing Execution Tool to Sell Whole Loans
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Section C2-1.1, Mandatory Commitments to Sell Whole Loans
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Chapter C2-2, Whole Loan Deliveries to and Purchasing by Fannie Mae
- C2-2-01, General Requirements for Good Delivery of Whole Loans
- C2-2-02, Documentation Requirements for Whole Loan Deliveries
- C2-2-03, General Information on Whole Loan Purchasing Policies
- C2-2-04, Timing of Distribution of Whole Loan Purchase Proceeds
- C2-2-05, Whole Loan Purchasing Process
- C2-2-06, Authorization to Transfer Funds
- C2-2-07, Purchase Payee Codes
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Chapter C2-1, Mandatory and Best Efforts Commitments to Sell Whole Loans
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Subpart C3, Mortgage-Backed Securities (MBS)
- Chapter C3-1, MBS Program Overview
- Chapter C3-2, MBS Securitization Process
- Chapter C3-3, MBS Guaranty Fees and Guaranty Fee Buyups and Buydowns
- Chapter C3-4, Pooling Loans into Fixed-Rate MBS
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Chapter C3-5, Pooling Loans into ARM MBS
- C3-5-01, Creating Weighted-Average ARM MBS
- C3-5-02, Calculating the Weighted-Average Pool Accrual Rates for ARM Flex Pools Using a Fixed MBS Margin
- C3-5-03, Calculating the Weighted-Average Pool Accrual Rates for ARM Flex Pools Using a Weighted-Average MBS Margin
- C3-5-04, Pooling ARMs with a Conversion Option
- C3-5-05, Commingling ARMs in MBS
- Chapter C3-6, Pooling Loans into Fannie Majors
- Chapter C3-7, Delivering and Trading MBS
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Subpart C1, General Information on Execution Options and Loan Delivery
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Part D Ensuring Quality Control (QC)
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Subpart D1, Lender QC Process
- Chapter D1-1, Lender Quality Control Process
- Chapter D1-2, Lender Prefunding QC Mortgage Review
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Chapter D1-3, Lender Post-Closing QC Mortgage Review
- D1-3-01, Lender Post-Closing Quality Control Review Process
- D1-3-02, Lender Post-Closing Quality Control Review of Approval Conditions, Underwriting Decisions, and Documentation
- D1-3-03, Lender Post-Closing Quality Control Review of Data Integrity
- D1-3-04, Lender Post-Closing Quality Control Review of Appraisers, Appraisals, Property Data Collectors, and Property Data Collection
- D1-3-05, Lender Post-Closing Quality Control Review of Closing Documents
- D1-3-06, Lender Post-Closing Quality Control Reporting, Record Retention, and Audit
- Subpart D2, Fannie Mae QC Process
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Subpart D1, Lender QC Process
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Part E Quick Reference Materials
- Chapter E-1, Selling Guide Resources
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Chapter E-2, Exhibits
- E-2-01, Required Custodial Documents
- E-2-02, Suggested Format for Phase I Environmental Hazard Assessments
- E-2-03, Revocable Trust Rider (Sample Language)
- E-2-04, Signature Requirements for Mortgages to Inter Vivos Revocable Trusts
- E-2-05, Servicing Marketplace — Mortgage Loan Servicing Purchase and Sale Agreement
- E-2-06, Correcting Errors in eNotes
- E-2-07, Description of eNote Header, Footer, and eNote Clause
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Chapter E-3, Acronyms and Glossary of Defined Terms
- E-3-01, Acronyms and Glossary of Defined Terms: A
- E-3-02, Acronyms and Glossary of Defined Terms: B
- E-3-03, Acronyms and Glossary of Defined Terms: C
- E-3-04, Acronyms and Glossary of Defined Terms: D
- E-3-05, Acronyms and Glossary of Defined Terms: E
- E-3-06, Acronyms and Glossary of Defined Terms: F
- E-3-07, Acronyms and Glossary of Defined Terms: G
- E-3-08, Acronyms and Glossary of Defined Terms: H
- E-3-09, Acronyms and Glossary of Defined Terms: I
- E-3-10, Acronyms and Glossary of Defined Terms: J
- E-3-11, Acronyms and Glossary of Defined Terms: K
- E-3-12, Acronyms and Glossary of Defined Terms: L
- E-3-13, Acronyms and Glossary of Defined Terms: M
- E-3-14, Acronyms and Glossary of Defined Terms: N
- E-3-15, Acronyms and Glossary of Defined Terms: O
- E-3-16, Acronyms and Glossary of Defined Terms: P
- E-3-17, Acronyms and Glossary of Defined Terms: Q
- E-3-18, Acronyms and Glossary of Defined Terms: R
- E-3-19, Acronyms and Glossary of Defined Terms: S
- E-3-20, Acronyms and Glossary of Defined Terms: T
- E-3-21, Acronyms and Glossary of Defined Terms: U
- E-3-22, Acronyms and Glossary of Defined Terms: V
- E-3-23, Acronyms and Glossary of Defined Terms: W
- E-3-24, Acronyms and Glossary of Defined Terms: X
- E-3-25, Acronyms and Glossary of Defined Terms: Y
- E-3-26, Acronyms and Glossary of Defined Terms: Z