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      <p><FONT SIZE=3><B>Special Instructions</B></FONT></p>
      <UL>
        <LI><B><U>You must review the confidentiality agreement. By proceeding 
          with this item you are explicitly agreeing to abide by the terms and 
          conditions of the agreement.</U></B>
      </UL>
      <UL>
        <LI>Some questions contain specific instructions for completing. Follow 
          these instructions carefully. 
        <LI>You can sequentially move from question to question by using the <b>Next</b> 
          and <b>Back</b> buttons. 
        <LI>If you would like to review specific answered or unanswered questions 
          at the end of the exam, click the <i>Click here to review this question 
          at end of test </i>checkbox<i>.</i> 
          <blockquote> 
            <p><b>Note</b>: If you use the <b>Next</b> or <b>Back</b> buttons 
              to display a question marked for review, the checkbox is cleared 
              (i.e. becomes not marked for review). You must flag the question 
              again if you would like to review it at the end of the exam.</p>
          </blockquote>
        <LI>You may pause the exam at any time, however, this will log you out 
          of the exam. After logging back into the exam, click the <b>Resume</b> 
          button to continue. 
        <LI>HINT: For questions containing the instruction <i>Check all that apply</i>, 
          you <b>must select more than one answer</b>. If you do not see this 
          instruction, you <b>must only select one answer</b>.
        <li>When you are ready to <u>submit the exam for evaluation</u>, click 
          the <b>Done</b> button. This prevents any further review of questions, 
          even if they were marked for review.</li>
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<b>IMPORTANT:</b> Before starting the test, you must download, print, and complete the following worksheets.
<br><em>Please note that the worksheets are .pdf files.  You will need the Adobe Acrobat Reader in order to view these worksheets.  If you do not have the Adobe Acrobat Reader, please go to http://www.adobe.com for a free download. </em>

<BR><BR><strong>ARMs:</strong> Use the calendar, Wall Street index and ARM rounding chart to complete the <a href="http://63.211.85.106/graphic/SCParms.pdf" Target="PrintInstructions"><B>ARM worksheet</b></a>.
<br><BR><strong>Chargeoffs:</strong> Complete the <a href="http://63.211.85.106/graphic/SCPchargeoff.pdf" Target="PrintInstructions">chargeoff worksheets</a>.
<br><BR><strong>Foreclosure:</strong> Use the calendar to complete the <a href="http://63.211.85.106/graphic/SCPforeclosure.pdf" Target="PrintInstructions"><B>foreclosure worksheet</b></a>.
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 <p>After printing these files, close the browser window in order to return to the test
instruction page.  Then click on the <b>Start</b> button below to review the confidentiality agreement,
or click on the <b>Cancel</b> button below to exit now.</p>
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