Each permission that an object's owner grants to a particular user or group is stored as an ACE in a DACL that is part of the object's security descriptor. In the user interface, ACEs display as Permission Entries in the Access Control Settings dialog box. Figure 12.2 shows the ACEs in the DACL for Alice's file.
USDA Rural Development Annual Guarantee Fee. Should a USDA Rural Development Annual Guarantee Fee be included in the prepaid finance charge calculation when it is included in escrow, similar to property taxes and insurance? This is not to be confused with the upfront guarantee fee, which must be included in prepaid finance charges. As I understand the USDA program details that have been discussed several times here on BOL, the charges are virtually identical to the fees charged on FHA loans.
This definition of finance charge includes the interest added to the balance, service fees for transactions, late fees, and balance transfer fees. When a customer receives a $1000 USD loan from a bank, for example, the bank has the legal right to charge interest based on the current federal prime lending rate.