Annual Tax and Interest Statement

P.O. Box 5914, Santa Rosa, CA 95402-5914 2023

Mortgage Interest Statement

Reporting Date 12/31/2023

Loan ID 3520010020
CYNTHIA A NESS OMB No. 1545-1380
PO Box 32382
Minneapolis, MN 554320382 Recipient Federal ID Number 77-0323586
Customer's Tax ID Number XXX-XX-0637
Property Address 5922 HACKMANN AVE. NE
FRIDLEY, MN 55432

Customer Service (800) 696-8199

Principal Balance Information

Beginning Principal Balance $95,429.94
Principal applied in 2023 -$5,782.02
Ending Principal Balance $89,647.92
FORM 1098 - Tax and Interest Information
1 Mortgage interest received from payer(s)/borrower(s) $4,523.47 Escrow Balance Information
2 Outstanding Mortgage Principal $95,429.94
Beginning Escrow Balance $0.00
3 Mortgage Origination Date 02/16/10
Deposits $0.00
4 Refund of Overpaid Interest $0.00
Property Taxes $0.00
5 Mortgage Insurance Premiums $0.00
Property Insurance $0.00
6 Points paid on purchase of principal residence $0.00
Mortgage Insurance $0.00
7 If address of property securing mortgage is the same as
PAYER'S/BORROWER'S address, the box is checked, or the Other Disbursements $0.00
address or description is entered in box 8. Ending Escrow Balance $0.00
8 Address or Description of Property Securing Mortgage
5922 HACKMANN AVE. NE
FRIDLEY, MN 55432 Interest Paid Information
9 Number of Properties Securing the Mortgage
Interest Paid on Escrow $0.00
10 Real Estate Taxes Paid $0.00
Interest Paid on Loss Draft $0.00
11 Mortgage Acquisition Date

FORM 1099-INT- Interest Income

1 Interest Income $0.00
FORM 1098 INFORMATION:
Instructions for Payer/Borrower
A person (including a financial institution, a governmental unit, and a cooperative housing corporation) who is engaged in a trade or business
and, in the course of such trade or business, received from you at least $600 of mortgage interest (including certain points) on any one
mortgage in the calendar year must furnish this statement to you.

If you received this statement as the payer of record on a mortgage on which there are other borrowers, furnish each of the other borrowers
with information about the proper distribution of amounts reported on this form. Each borrower is entitled to deduct only the amount each
borrower paid and points paid by the seller that represent each borrower’s share of the amount allowable as a deduction. Each borrower may
have to include in income a share of any amount reported in box 4.

If your mortgage payments were subsidized by a government agency, you may not be able to deduct the amount of the subsidy. See the
instructions for, Schedule A, C, or E (Form 1040) for how to report the mortgage interest. Also, for more information, see Pub. 936 and Pub.
535.

Payer's/Borrower's taxpayer identification number (TIN). For your protection, this form may show only the last four digits of your TIN
(SSN, ITIN, ATIN, or EIN). However, the issuer has reported your complete TIN to the IRS.

Account number. May show an account or other unique number the lender has assigned to distinguish your account.

Box 1. Shows the mortgage interest received by the recipient/lender during the year. This amount includes interest on any obligation
secured by real property, including a mortgage, home equity loan, or line of credit. This amount does not include points, government subsidy
payments, or seller payments on a “buydown” mortgage. Such amounts are deductible by you only in certain circumstances.

Caution: If you prepaid interest in the calendar year that accrued in full by January 15, of the subsequent year, this prepaid interest may be
included in box 1. However, you cannot deduct the prepaid amount in the calendar year paid even though it may be included in box 1.

If you hold a mortgage credit certificate and can claim the mortgage interest credit, see Form 8396. If the interest was paid on a mortgage,
home equity loan, or line of credit secured by a qualified residence, you can only deduct the interest paid on acquisition indebtedness, and
you may be subject to a deduction limitation.

Box 2. Shows the outstanding principal on the mortgage as of January 1 of the calendar year. If the mortgage originated in calendar year,
shows the mortgage principal as of the date of origination. If the recipient/lender acquired the loan in the calendar year, shows the mortgage
principal as of the date of acquisition.
Box 3. Shows the date of the mortgage origination.
Box 4. Do not deduct this amount. It is a refund (or credit) for overpayment(s) of interest you made in a prior year or years. If you itemized
deductions in the year(s) you paid the interest, you may have to include part or all of the box 4 amount on the “Other income” line of your
calendar year Schedule 1 (Form 1040). No adjustment to your prior year(s) tax return(s) is necessary. For more information, see Pub. 936
and Itemized Deductions Recoveries in Pub. 525.
Box 5. If an amount is reported in this box, it may qualify to be treated as deductible mortgage interest. See the calendar year Schedule A
(Form 1040) instructions and Pub. 936.
Box 6. Not all points are reportable to you. Box 6 shows points you or the seller paid this year for the purchase of your principal residence
that are required to be reported to you. Generally, these points are fully deductible in the year paid, but you must subtract seller-paid points
from the basis of your residence. Other points not reported in box 6 may also be deductible. See Pub. 936 to figure the amount you can
deduct.
Box 7. If the address of the property securing the mortgage is the same as the payer's/borrower's, either the box has been checked, or box
8 has been completed.
Box 8. Shows the address or description of the property securing the mortgage.
Box 9. If more than one property secures the loan, shows the number of properties securing the mortgage. If only one property secures the
loan, this box may be blank.
Box 10. The interest recipient may use this box to give you other information, such as real estate taxes or insurance paid from escrow.
Box 11. If the recipient/lender acquired the mortgage in the calendar year, shows the date of acquisition.
Future developments. For the latest information about developments related to Form 1098 and its instructions, such as legislation
enacted after they were published, go to www.irs.gov/Form1098.
FreeFile. Go to www.irs.gov/FreeFile to see if you qualify for no-cost online federal tax preparation, e-filing, and direct deposit or payment
options.

FORM 1099-INT INFORMATION:

Instructions for Recipient
Box 1. Shows taxable interest paid to you during the calendar year by the payer.

Nominees. If this form includes amounts belonging to another person(s), you are considered a nominee recipient. Complete a form 1099-
INT for each of the other owners showing the income allocable to each. File Copy A of this form with the IRS. Furnish Copy B to each owner.
List yourself as the “payer” and the other owner(s) as the “recipient.” File Form(s) 1099-INT with Form 1096 with the Internal Revenue
Service Center for your area. On Form 1096 list yourself as the “filer.” A spouse is not required to file a nominee return to show amounts
owned by the other spouse.

Future developments. For the latest information about developments related to Form 1099-INT and its instructions, such as legislation
enacted after they were published, go to www.irs.gov/Form1099INT.