Client To Do List. What information to bring about your current property: What information to bring about the property you are purchasing:

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1 Client To Do List If you re thinking about purchasing a new home or refinancing your existing mortgage, finalizing the paperwork is one of the last steps you take towards completing your home financing. To help make the process quick and easy, we have put together a to do list. Are you purchasing a Home? What information to bring about the property you are purchasing: Purchase and Sale Agreement(s) include schedules and waiver MLS Listing with Photo, address and telephone number of your Solicitor/Notary What information to bring about your financial situation: In order to confirm your down payment, please provide the following from one or more of the following sources: Bank Account Statement for the past 90 days Other Documentation/Information Required Income Confirmation: If you are a Salaried Employee please provide: A current pay stub dated within the past 30 days AND A Letter of Employment from your manager indicating your start date, position and salary If you are Self Employed, receive commission or bonuses please provide: Your Last 2 Years Notice of Assessment 2 Years of your company s Financial Statements Self Employment Documents (please ask us for clarification) Do you already own your Home? What information to bring about your current property: Recent Mortgage Statement Current Homeowner Insurance Policy Most recent Property Tax Bill/Statement Legal description of Property: You can find this on: Original Purchase Agreement Property Tax Statement Property Value: To help estimate your property value, refer to: Recent Property Tax Assessment and/or Neighbourhood Sales Comparables (MLS Listings) Some common questions that you may be asked regarding your mortgage What other information will I need to know: Who will be on title to your property? If you are purchasing a property, do you have your deposit arranged? Yes No

2 Personalized Mortgage Plan (PMP) Available only through Gibbard Group Financial At Gibbard Group Financial, we believe in finding the right mortgage for our clients; not just the one which appears to be the cheapest. Every client has a different goal and/or financial situation and we take the job of helping you find the most suitable mortgage for your personal situation seriously. Please help us help you by taking a moment to complete our Client Questionnaire. Answers to these questions are invaluable in helping us develop a personalized mortgage plan to suit your needs and goals. SECTION #1 MORTGAGE OBJECTIVES 1. What is the intent of your mortgage? a) to purchase a property to live in b) to purchase an investment property c) to refinance your existing property to consolidate debt & lower debt payments d) to refinance existing property to reduce current interest rate 2. What are your main goals regarding the mortgage? a) to keep the payments as low as possible b) to pay off the mortgage as quickly as possible c) to pay the least amount of interest possible d) to have access to mortgage funds in the future if need be (for investments, business, etc.) 3. When it comes to financial transactions (i.e., current banking / mortgages), please answer the statement which best represents your preference of communication method: a) I like to conduct business in person only b) I am comfortable doing business by /fax/phone c) I am comfortable with technology but still want to meet in person for part of the transaction (a combination of the above) 4. I currently manage my banking accounts: a) by phone/internet banking only (I never walk into a branch) b) I always go into a teller to complete banking transactions I am not comfortable with internet/phone banking. SECTION #2 MORTGAGE HORIZONS 1. long do you think you ll keep the property you re mortgaging? a) 0-1 year (I just need a short-term mortgage) b) 1 3 years c) 3 5 years d) longer than 5 years 2. Do you believe rates will? a) go up in the next 12 months b) go down within the next 12 months c) stay roughly the same as now 3. In the next 5 years do you see yourself? a) purchasing an additional property (i.e., vacation/rental property) b) requiring access to your home equity for investment purposes c) paying off the mortgage d) retiring and/or down sizing e) moving to another city f) moving to a larger home (more room for a growing family)

3 SECTION #3 RISK TOLLERANCE 1. Which statement best describes your interest/knowledge of mortgages? a) I have very little interest in mortgages and rely exclusively on the recommendations of my mortgage consultant and/or financial planner. b) I have limited knowledge of mortgages & their options, but do not fully immerse myself in the subject. c) I have good working knowledge of mortgages and regularly follow interest rates, etc. d) I understand completely how different mortgage products work; including VRM, HELOC, and fixed rate mortgages, and I follow the mortgage rates closely. 2. Realizing how a variable rate mortgage works (rates increase and decrease as the prime lending rate changes), in the event of a significant increase in mortgage rates, how long are you prepared to stay with a floating rate type mortgage product? a) I don t have the stomach if the rates go up and would lock in immediately b) I can hold on for a few rate hikes but not a ton c) 1 can t afford for the rates (and my payments) to increase at all. d) I don t ever intend to lock in my mortgage rate to a long-term fixed rate and am completely comfortable with a floating rate mortgage; no matter what rates do. Please tell us anything else that is important to YOU when obtaining a mortgage. We re here to listen and work with you to find the most suitable mortgage for your personal needs & goals.

4 Application for Mortgage Loan Karen Gibbard T: F: Purpose of Loan: Pre-Approval Purchase Refinance Switch Applicant #1 Purchase or Refinance of Rental Property First Last S.I.N # Birth Date Marital Status Dependants Current Address Rent or Own Renting? If less than 3 years Previous Address mo. Home Phone Cell Phone Current Employer Address Work # Occupation Length of employment In current line of business Gross Annual Income Previous Employer Address Years Gross Annual Income Applicant #2 First Last S.I.N # Birth Date Marital Status Dependants Current Address Rent or Own Renting? If less than 3 years Previous Address mo. Home Phone Cell Phone Current Employer Address Work # Occupation Length of employment In current line of business Gross Annual Income Previous Employer Address Years Gross Annual Income Other Income Source

5 Page 2 of 2 Assets CASH Personal Net Worth Statement Financial Institution Account Type Karen Gibbard T: F: RRSP Stocks / Bonds Term Deposits Are you currently working with a Financial Advisor? Auto Home Res. Year & Type Value Value Other Property Value Comments: Liabilities Credit Card 1 Credit Card 2 Credit Card 3 Loan 1 Loan 2 Auto Residential Mortgage Other Mortgage Held By Held By **if you have additional assets or liabilities that will not fit on this page, please feel free to add a separate page with these details listed (including additional properties/mortgages) Refinance Info- To be filled out by clients wishing to refinance their existing property Property Type Square Footage Date Purchased Current Mortgage Holder Garage Size Single / Double / Triple / None / Other # of stories Down Payment: Purchase Price: Term: do you like to make your payments? W B W S M M Broker Comments: Garage Type Attached / Detached Original Mortgage Age of Property years old Current Outstanding Mortgage Property Taxes Payout Penalty Condo Fees / Maintenance Rental Income I/We hereby certify that the information we have given, to the best of our knowledge is correct and true. I/We consent to Invis and/or it s agent, obtaining reports containing credit and/or personal information as necessary in connection with this application. Applicant: Date: Co-Applicant: Date: # West 15 th Street, North Vancouver, B.C. V7M 1R9

6 Gibbard Group Financial Inc. DBA- Verico Gibbard Group Financial CLIENT AGREEMENT We warrant and confirm that the information provided to Gibbard Group Financial Inc., ( you ) by us in the mortgage application form is true and correct and we understand that it is being used to determine our credit responsibility. You are authorized to obtain any further information you may require relative to this application from any source to which you may apply and each such source is hereby authorized to provide you with such information. You are further authorized to disclose to any lender, credit bureau, insurer, or insurance agent such personal and financial information, as you consider appropriate. We agree to indemnify you against and save you harmless from any and all claims in damages or otherwise arising from such disclosure on your part. We agree to pay all applicable legal, property appraisal, registration fees and expenses incurred in connection with this mortgage application. You are also authorized to retain the application whether or not the relative mortgage is approved this may be stored on a secure server hosted outside of Canada. We acknowledge that Gibbard Group Financial Inc., may be paid a referral fee from the mortgage lender for placement of this mortgage. We also acknowledge that we may make application for life, disability and/or critical illness insurance coverage for the debt secured by the mortgage and/or the payments under the mortgage. Please confirm the following: 1) We give Gibbard Group Financial Inc., permission to phone us as well as us in the future to discuss our mortgage: Y / N (please circle one). 2) We authorize you to share our correspondence with our Real Estate Agent, (Realtor s name) in order to assist us with our home purchase (if applicable) Y / N (please circle one). x Client : Date: x Client : Date:

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