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Cash Reserves include all non-retirement liquid assets available for withdrawal or liquidation
from all financial institutions. Such accounts include, but are not limited to, the following:
• brokerage, mutual funds, checking, savings, money market or certificate of deposits,
other depository accounts, and stocks;
• other equity instruments such as marketable debt of federal, state, or local governments,
Government-Sponsored Enterprises, corporations and other businesses; and other securities and commodities (including futures, traded on an exchange or
marketplace generally available to the public) for which values can be readily verified
using Schedules B (Interest & Dividends), D (Capital Gains & Losses) and E
(Supplemental Income & Loss) of the Borrower’s most recent federal tax return.

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