Good morning everyone. Our mortgage group would like to combine our ARM program disclosures to limit the number of program documents. I understand that this is permitted and there are many posts regarding the ability to have one program disclosure that provides examples for discounted, non-discounted, and premium ARM loans. I am struggling with the requirement for the disclosure to tell the consumer that he/she is getting a discounted initial rate. How is that accomplished when the ARM program disclosure contains examples for discount, premium and no-discount/premium? Do you include a cover letter that tells the client that he/she has applied for a discounted ARM program and refer them to the disclosure as it relates to the discounted program? Wondering how others address this requirement when providing a combined disclosure. Ideas are much appreciated.