First National Bank. of Trenton HOME EQUITY LOANS

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1 HOME EQUITY LOANS Thank you for considering the First National Bank for your Home Equity Loan. Listed below are items necessary in evaluating your request for a Home Equity Loan with the First National Bank : 1. Legal description of homestead property; 2. Tax Valuation from the appraisal district; 3. Current payroll stubs; 4. Last two years W-2 s or Tax Returns; 5. Completed application. In addition to the above items, please read, sign and date the enclosed NOTICE CONCERNING EXTENSIONS OF CREDIT and ADDITIONAL NOTICE CONCERNING EXTENSIONS OF CREDIT, which were given to you with the application. Upon receipt of ALL of the above listed items, your request will promptly be evaluated and submitted for approval.

2 NOTICE CONCERNING EXTENSIONS OF CREDIT DEFINED BY SECTION 50(a)(6), ARTICLE XVI, TEXAS CONSTITUTION: SECTION 50(a)(6), ARTICLE XVI, OF THE TEXAS CONSTITUTION ALLOWS CERTAIN LOANS TO BE SECURED AGAINST THE EQUITY IN YOUR HOME. SUCH LOANS ARE COMMONLY KNOWN AS EQUITY LOANS. IF YOU DO NOT REPAY THE LOAN OR IF YOU FAIL TO MEET THE TERMS OF THE LOAN, THE LENDER MAY FORECLOSE AND SELL YOUR HOME. THE CONSTITUTION PROVIDES THAT: (A) THE LOAN MUST BE VOLUNTARILY CREATED WITH THE CONSENT OF EACH OWNER OF YOUR HOME AND EACH OWNER'S SPOUSE; (B) THE PRINCIPAL LOAN AMOUNT AT THE TIME THE LOAN IS MADE MUST NOT EXCEED AN AMOUNT THAT, WHEN ADDED TO THE PRINCIPAL BALANCES OF ALL OTHER LIENS AGAINST YOUR HOME, IS MORE THAN 80 PERCENT OF THE FAIR MARKET VALUE OF YOUR HOME; (C) THE LOAN MUST BE WITHOUT RECOURSE FOR PERSONAL LIABILITY AGAINST YOU AND YOUR SPOUSE UNLESS YOU OR YOUR SPOUSE OBTAINED THIS EXTENSION OF CREDIT BY ACTUAL FRAUD; (D) THE LIEN SECURING THE LOAN MAY BE FORECLOSED UPON ONLY WITH A COURT ORDER; (E) FEES AND CHARGES TO MAKE THE LOAN MAY NOT EXCEED 3 PERCENT OF THE LOAN AMOUNT; (F) THE LOAN MAY NOT BE AN OPEN-END ACCOUNT THAT MAY BE DEBITED FROM TIME TO TIME OR UNDER WHICH CREDIT MAY BE EXTENDED FROM TIME TO TIME UNLESS IT IS A HOME EQUITY LINE OF CREDIT; (G) YOU MAY PREPAY THE LOAN WITHOUT PENALTY OR CHARGE; (H) NO ADDITIONAL COLLATERAL MAY BE SECURITY FOR THE LOAN; (I) THE LOAN MAY NOT BE SECURED BY HOMESTEAD PROPERTY THAT IS DESIGNATED FOR AGRICULTURAL USE AS OF THE DATE OF CLOSING, UNLESS THE AGRICULTURAL HOMESTEAD PROPERTY IS USED PRIMARILY FOR THE PRODUCTION OF MILK; (J) YOU ARE NOT REQUIRED TO REPAY THE LOAN EARLIER THAN AGREED SOLELY BECAUSE THE FAIR MARKET VALUE OF YOUR HOME DECREASES OR BECAUSE YOU DEFAULT ON ANOTHER LOAN THAT IS NOT SECURED BY YOUR HOME; (K) ONLY ONE LOAN DESCRIBED BY SECTION 50(a)(6), ARTICLE XVI, OF THE TEXAS CONSTITUTION MAY BE SECURED WITH YOUR HOME AT ANY GIVEN TIME; (L) THE LOAN MUST BE SCHEDULED TO BE REPAID IN PAYMENTS THAT EQUAL OR EXCEED THE AMOUNT OF ACCRUED INTEREST FOR EACH PAYMENT PERIOD; (M) THE LOAN MAY NOT CLOSE BEFORE 12 DAYS AFTER YOU SUBMIT A LOAN APPLICATION TO THE LENDER OR BEFORE 12 DAYS AFTER YOU RECEIVE THIS NOTICE, WHICHEVER DATE IS LATER; AND MAY NOT WITHOUT YOUR CONSENT CLOSE BEFORE ONE BUSINESS DAY AFTER THE DATE ON WHICH YOU RECEIVE A COPY OF YOUR LOAN APPLICATION IF NOT PREVIOUSLY PROVIDED AND A FINAL ITEMIZED DISCLOSURE OF THE ACTUAL FEES, POINTS, INTEREST, COSTS, AND CHARGES THAT WILL BE CHARGED AT CLOSING; AND IF YOUR HOME WAS SECURITY FOR THE SAME TYPE OF LOAN WITHIN THE PAST YEAR, A NEW LOAN SECURED BY THE SAME PROPERTY MAY NOT CLOSE BEFORE ONE YEAR HAS PASSED FROM THE CLOSING DATE OF THE OTHER LOAN, UNLESS ON OATH YOU REQUEST AN EARLIER CLOSING DUE TO A DECLARED STATE OF EMERGENCY;

3 (N) THE LOAN MAY CLOSE ONLY AT THE OFFICE OF THE LENDER, TITLE COMPANY, OR AN ATTORNEY AT LAW; (O) THE LENDER MAY CHARGE ANY FIXED OR VARIABLE RATE OF INTEREST AUTHORIZED BY STATUTE; (P) ONLY A LAWFULLY AUTHORIZED LENDER MAY MAKE LOANS DESCRIBED BY SECTION 50(a)(6), ARTICLE XVI, OF THE TEXAS CONSTITUTION; (Q) LOANS DESCRIBED BY SECTION 50(a)(6), ARTICLE XVI, OF THE TEXAS CONSTITUTION MUST: (1) NOT REQUIRE YOU TO APPLY THE PROCEEDS TO ANOTHER DEBT EXCEPT A DEBT THAT IS SECURED BY YOUR HOME OR OWED TO ANOTHER LENDER; (2) NOT REQUIRE THAT YOU ASSIGN WAGES AS SECURITY; (3) NOT REQUIRE THAT YOU EXECUTE INSTRUMENTS WHICH HAVE BLANKS FOR SUBSTANTIVE TERMS OF AGREEMENT LEFT TO BE FILLED IN; (4) NOT REQUIRE THAT YOU SIGN A CONFESSION OF JUDGMENT OR POWER OF ATTORNEY TO ANOTHER PERSON TO CONFESS JUDGMENT OR APPEAR IN A LEGAL PROCEEDING ON YOUR BEHALF; (5) PROVIDE THAT YOU RECEIVE A COPY OF YOUR FINAL LOAN APPLICATION AND ALL EXECUTED DOCUMENTS YOU SIGN AT CLOSING; (6) PROVIDE THAT THE SECURITY INSTRUMENTS CONTAIN A DISCLOSURE THAT THIS LOAN IS A LOAN DEFINED BY SECTION 50(a)(6), ARTICLE XVI, OF THE TEXAS CONSTITUTION; (7) PROVIDE THAT WHEN THE LOAN IS PAID IN FULL, THE LENDER WILL SIGN AND GIVE YOU A RELEASE OF LIEN OR AN ASSIGNMENT OF THE LIEN, WHICHEVER IS APPROPRIATE; (8) PROVIDE THAT YOU MAY, WITHIN 3 DAYS AFTER CLOSING, RESCIND THE LOAN WITHOUT PENALTY OR CHARGE; (9) PROVIDE THAT YOU AND THE LENDER ACKNOWLEDGE THE FAIR MARKET VALUE OF YOUR HOME ON THE DATE THE LOAN CLOSES; AND (10) PROVIDE THAT THE LENDER WILL FORFEIT ALL PRINCIPAL AND INTEREST IF THE LENDER FAILS TO COMPLY WITH THE LENDER'S OBLIGATIONS UNLESS THE LENDER CURES THE FAILURE TO COMPLY AS PROVIDED BY SECTION 50(a)(6)(Q)(x), ARTICLE XVI, OF THE TEXAS CONSTITUTION; AND (R) IF THE LOAN IS A HOME EQUITY LINE OF CREDIT: (1) YOU MAY REQUEST ADVANCES, REPAY MONEY, AND REBORROW MONEY UNDER THE LINE OF CREDIT; (2) EACH ADVANCE UNDER THE LINE OF CREDIT MUST BE IN AN AMOUNT OF AT LEAST $4,000; (3) YOU MAY NOT USE A CREDIT CARD, DEBIT CARD, OR SIMILAR DEVICE, OR PREPRINTED CHECK THAT YOU DID NOT SOLICIT, TO OBTAIN ADVANCES UNDER THE LINE OF CREDIT; (4) ANY FEES THE LENDER CHARGES MAY BE CHARGED AND COLLECTED ONLY AT THE TIME THE LINE OF CREDIT IS ESTABLISHED AND THE LENDER MAY NOT CHARGE A FEE IN CONNECTION WITH ANY ADVANCE; (5) THE MAXIMUM PRINCIPAL AMOUNT THAT MAY BE EXTENDED, WHEN ADDED TO ALL OTHER DEBTS SECURED BY YOUR HOME, MAY NOT EXCEED 80 PERCENT OF THE FAIR MARKET VALUE OF YOUR HOME ON THE DATE THE LINE OF CREDIT IS ESTABLISHED; (6) IF THE PRINCIPAL BALANCE UNDER THE LINE OF CREDIT AT ANY TIME EXCEEDS 50 PERCENT OF THE FAIR MARKET VALUE OF YOUR HOME, AS DETERMINED ON THE DATE THE LINE OF CREDIT IS ESTABLISHED, YOU MAY NOT CONTINUE TO REQUEST ADVANCES UNDER THE LINE OF CREDIT UNTIL THE BALANCE IS LESS THAN 50 PERCENT OF THE FAIR MARKET VALUE; AND

4 (7) THE LENDER MAY NOT UNILATERALLY AMEND THE TERMS OF THE LINE OF CREDIT. THIS NOTICE IS ONLY A SUMMARY OF YOUR RIGHTS UNDER THE TEXAS CONSTITUTION. YOUR RIGHTS ARE GOVERNED BY SECTION 50, ARTICLE XVI, OF THE TEXAS CONSTITUTION, AND NOT BY THIS NOTICE. THIS IS TO VERIFY THAT I (WE) HAVE RECEIVED A COPY OF THIS DISCLOSURE. SIGNED THIS DAY OF, 20. BORROWER CO-BORROWER

5 THINGS WE THINK YOU SHOULD KNOW ABOUT YOUR HOME EQUITY LOAN The Texas Constitution allows you to use the equity in your home as collateral for current borrowing needs. There have also been some provisions put in place that protect consumers. This document describes the provisions included in the Texas Constitution which are designed to protect you and your home as described in the Notice concerning Extensions of Credit. IT IS IMPORTANT FOR YOU TO KNOW THAT, WHEN YOU USE YOUR HOME AS COLLATERAL FOR THIS LOAN, FAILURE TO MEET THE TERMS OF THE LOAN AGREEMENT YOU SIGN AT CLOSING CAN CAUSE YOU TO LOSE YOUR HOME. DEFAULT UNDER THE AGREEMENT WOULD INCLUDE EXCESSIVE LATE PAYMENTS, BANKRUPTCY, FRAUD, FAILURE TO MAINTAIN INSURANCE, ETC. LIKEWISE, IF WE FAIL TO MEET ANY OF THE PROVISIONS DESCRIBED BELOW, FNB TRENTON WILL FORFEIT THE RIGHT TO COLLECT ALL PRINCIPLE AND INTEREST ASSOCIATED WITH THIS LOAN. IN ADDITION, THERE ARE CERTAIN TIMING REQUIREMENTS SET FORTH BY TEXAS LAW THAT AFFECT WHEN YOU MAY RECEIVE THE PROCEEDS FROM YOUR LOAN. THESE PROVISIONS ARE OUTLINED IN THE SECTION ENTITLED CLOSING AND DOCUMENTATION. General Provisions All documents required to create a lien against your homestead property, including the Deed of Trust, will have to be signed by all owners of the real estate being used as collateral, as well as by their spouses. Your Home Equity Loan is an installment loan and not a line of credit. This means you will not have ongoing access to these funds. You will receive the proceeds in one lump sum and be responsible for repaying the loan over a set period of time beginning no later than 60 days from the time you receive your money. If you need additional funds that exceed the lump sum, you must apply for a separate loan and qualify for it. YOU MAY NOT HOWEVER, HAVE MORE THAN ONE HOME EQUITY LOAN OPEN AT A TIME AND YOU MAY NOT OPEN MORE THAN ONE PER 12 MONTH PERIOD. That means that when you apply, you should request the full amount you think you will need over the next 12 months. You may be required to pay certain fees to setup and maintain the loan. First National Bank cannot charge you more than 3% of the principle loan amount to setup and maintain the loan. For example, if you apply and qualify for a $50,000 loan, the maximum amount you may have to pay in fees is 3% of $50,000, or $1,500. If offered during a promotional period, First National Bank may pay some or all of these fees. The interest you pay, discount points and options you select like credit life insurance are not included in the 3% cap. Fees like closing costs and maintenance fees are included in the 3% cap. Once you have paid the loan in full, First National Bank is required to release or assign the lien, whichever is appropriate. Collateral You may use only your homestead property to secure this loan. No additional collateral, real estate or otherwise, may be used to secure the loan. In addition, agricultural homestead property cannot be used as collateral unless it is used primarily for milk production. By law, the principle loan amount, along with all other outstanding mortgage debt, cannot exceed 80% of what is determined to be the fair market value of your homestead property. You will be asked to sign a document at closing acknowledging the fair market value of the homestead property. Payments The bank must setup a payment schedule of equal monthly payments. These payments must cover at least the interest accrued since your last scheduled payment. Likewise, First National Bank cannot: Assess any penalties if you choose to make additional payments or payoff the loan in it s entirety before the end of the agreed upon term. Require you to assign future wages as a way to repay the loan in the event of default. Require you to repay the loan early should the value of the homestead property securing the loan decrease in value. However, your income will be used to qualify you for this loan, to ensure you have sufficient income to make the required payments. Purpose You may use the proceeds for any purpose including education, medical expenses, home improvements and debt consolidation. First National Bank of Trenton however, cannot require you to use the proceeds to payoff any existing debt with First National Bank unless you choose to do so or unless it is another loan secured by the same real estate collateral. This means that if you have a first or second mortgage with another bank, First National Bank of Trenton can request that you borrow enough money to payoff the loan(s). If you choose to consolidate other higher-interest debt into this loan, you may do so at your discretion. If you choose to do this, you should take any additional balances into consideration when requesting a loan amount and let your lender know this is something you would like to do. Closing and Documentation Once you apply, you will receive the document entitled Notice concerning extensions of Credit. Texas law requires you to wait a minimum of twelve (12) calendar days after you receive this document to close your loan. If you applied in person, this document will be given to you at the end of the application process and the twelve day waiting period will begin at that time. Provided your application is approved, you will be able to close your loan no earlier than the thirteenth calendar day after you applied. If you applied through the mail or over the telephone, this notice will be mailed to you. Since you must receive the notice before the waiting period can begin, we will add an additional four days mail time before beginning the twelve day waiting period. Provided your application is approved, you will be able to close your loan no earlier than the seventeenth calendar day after you applied. If your loan application is approved and the appropriate waiting period has passed, your loan will proceed through the closing process. After your loan is closed, federal and state law requires you to wait an additional three business days to receive your money. Funding can occur on the fourth business day after closing. Business days do not include Sundays, or federal holidays. The loan must be closed in a First National Bank banking center, an attorney s office, or in the office of a title company. At closing, you should receive a copy of all of the loan documents you have signed. For example, this would include the Deed of Trust, which you (and your spouse, if applicable) must sign. This would not include a copy of any unsigned documents. You can request a copy of any unsigned documents at closing. All documents should be completely filled in with no blanks.

6 HOME EQUITY CREDIT APPLICATION IMPORTANT: Read these directions before completing this application. If you are applying for individual credit in your own name, are not married, and are not relying on alimony, child support, or separate maintenance payments or on the income or assets of another person as the basis for repayment of the credit requested, complete only sections A, D, and E. Amount Requested: SECTION A-INFORMATION REGARDING APPLICANT Full Name (Last, First, Middle): Birthdate: / / Present Street Address: Years there: City: State: Zip: Telephone: Social Security No: Drivers License No: Previous Street Address: Years there: City: State: Zip: Telephone: Present Employer: Years there: Telephone: Position or Title: Name of Supervisor: Employer s address: Present NET salary or commission: $ per No. Dependents: Ages: Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation- Alimony, child support, separate maintenance received under courtٱ order; writtenٱ agreement; oralٱ understanding. Other income: $ per. Source(s) of other income: Is any income listed in this Section likely to be reduced in the next two years or before the credit requested is paid off? YES*; NO (*explain yes in detail on a separate sheet of paper) Checking Account No.: Institution and Branch: Savings Account No.: Institution and Branch: SECTION B-INFORMATION REGARDING SPOUSE, JOINT APPLICANT, USER, OR OTHER PARTY (Use separate sheets if necessary) Full Name (Last, First, Middle): Birthdate: / / Present Street Address: Years there: City: State: Zip: Telephone: Social Security No: Drivers License No: Previous Street Address: Years there: City: State: Zip: Telephone: Present Employer: Years there: Telephone: Position or Title: Name of Supervisor: Employer s address: Present NET salary or commission: $ per No. Dependents: Ages: Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation- Alimony, child support, separate maintenance received under courtٱ order; writtenٱ agreement; oralٱ understanding. Other income: $ per. Source(s) of other income: Is any income listed in this Section likely to be reduced in the next two years or before the credit requested is paid off? YES*; NO (*explain yes in detail on a separate sheet of paper) Checking Account No.: Institution and Branch: Savings Account No.: Institution and Branch:

7 HOME EQUITY CREDIT APPLICATION SECTION C-MARITAL STATUS Applicant: Married Seperated Unmarried (including single, divorced, widowed) Other Party: Married Seperated Unmarried (including single, divorced, widowed) SECTION D-DEBTS Monthly expenses include the following (as applicable): Current mortgage $ Credit cards $ Car payment $ Other Debt payments $ SECTION E-SECURITY Address of property: Present Market Value: $ Purpose of this loan: Tax valuation: $ Other loans on property within the last 18 months: LENDER AMOUNT PURPOSE PAID OFF PAYOFF DATE YES/NO YES/NO Names and addresses of all co-owners of the property: NAME ADDRESS THERE ARE NO OTHER EQUITY LIENS ON THE PROPERTY. Everything that I have stated in this application is correct to the best of my knowledge. I understand that you will retain this application whether or not it is approved. You are authorized to check my credit and employment history and to answer questions about your credit experience with me. Applicant s signature date Other signature (where applicable) date LOAN WORKSHEET Appraised Value $ X 80% Less Outstanding Debt MAXIMUM AMOUNT OF LOAN $

8 Home Equity Loan Applicants If you intend to use any of the proceeds from this debt for the purpose of Purchasing a dwelling; Improving a dwelling; or Refinancing a debt secured by a lien on a dwelling; then the Federal Government requires Financial Institutions to request Government Monitoring Information. If any one of the above circumstances apply to your situation please complete this form and sign below. If your request is not for a purpose listed above then please disregard this form. Applicant s Name Address Date of Application First National Bank 106 Hamilton; P.O. Box 4 Trenton, TX Lenders Name and Address Dear Applicant(s): The following information is requested by the federal government for certain types of loans related to a dwelling in order to monitor the lender s compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. You may select one or more designations for Race. The law provides that a lender may not discriminate on the basis of this information, or on whether you choose to furnish it. However, if you choose not to furnish the information and you have made this application in person, under federal regulations the lender is required to not ethnicity, race and sex on the basis of visual observation or surname. If you do not wish to furnish the information, please check below. APPLICANT: I do not wish to furnish this information ETHNICITY: Hispanic or Latino Not Hispanic or Latino RACE: American Indian or Alaskan Native Asian Black or African American Native Hawaiian or Other Pacific Islander White SEX: Female Male CO-APPLICANT: I do not wish to furnish this information ETHNICITY: Hispanic or Latino Not Hispanic or Latino RACE: American Indian or Alaskan Native Asian Black or African American Native Hawaiian or Other Pacific Islander White SEX: Female Male Signature Date Signature Date

9 Type of Credit Request Date of Application: / / I/We are applying for credit in the amount of $. I am applying for individual credit in my own name and I am relying on my own income and assets and not the income or assets of another person. I am applying for individual credit and I am relying on my own income and assets as well as income or assets from other sources. We are applying for joint credit with co-applicants or guarantors. Signature(s): Signature Applicant Signature Joint Applicant (when applicable) Signature Joint Applicant (when applicable) Signature Guarantor (when applicable) Signature Guarantor (when applicable)

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