home improvement columns

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Many standard designs of home improvement columns are available that can be used for corner accents, room seperators, porch and ornamental garden features, and many more. The Colonial Wood column comes with a one year warranty for stock, architectural and clear (smooth) decorative columns.

They come in either round or square varying in size. All columns are available either smooth or fluted.

The FFIEC has developed the Rate Spread Calculator to assist HMDA reporting institutions with the new Regulation C requirements for reporting Rate Spread data effective for 2004 HMDA data and forward. The Rate Spread Calculator generates the spread between the Annual Percentage Rate (APR) and the comparable treasury security utilizing the "Treasury Securities of Comparable Maturity under Regulation C" table, action taken, lock-in date, APR, term (loan maturity), and lien status. The rate spread is the spread between the APR on a loan and the rate on Treasury securities with comparable maturity periods for loan originations in which the APR exceeds the applicable rate by a percentage specified by the Board. The reporting requirement applies to originations of: home purchase loans, dwelling-secured home improvement loans, and refinancings.
Text-Editing/ Word-Processing Application 
If you don't have access to a spreadsheet application such as Microsoft Excel, you can also retrieve the Treasury securities table in an ASCII text-editing or word-processing application. However, these two application types cannot easily format the width of the data columns and will require a significant amount of manual reformatting to properly view the data.

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