Amount Existing Liens $ Purpose of Refinance. 4. Applicant Information Co-Applicant's Name. Social Security No. Date of Birth.

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1 Universa Credit Appication (Consumer Residentia Rea Estate) 1. Type of Appication (Check ony one of the four checkboxes; and sign, if joint credit) Individua Credit. If checked, this is an Appication for Individua Credit reying soey on my income and assets. Individua Credit with Another. If checked, this is an Appication for Individua Credit reying on my income and assets and on income and/or assets of another as a basis for oan quaification. (Compete Appicant and CoAppicant sections.) Individua Credit (Community Property State). If checked, this is an Appication for Individua Credit reying on my income or assets. The income or assets of my spouse (or other person), who has community property rights pursuant to state aw, wi not be used as a basis for oan quaification. However, his or her iabiities must be considered because my spouse (or other person) has community property rights pursuant to appicabe aw, and, as Appicant, I reside in a community property state, the property that wi secure the oan is ocated in a community property state, or I am reying on other property ocated in a community property state as a basis for repayment of the oan. (Compete Appicant and CoAppicant sections.) Joint Credit. If checked, this is an Appication for Joint Credit. By signing beow, the Appicant and CoAppicant agree that each of us intend to appy for joint credit. (Compete Appicant and CoAppicant sections.) Appicant for Joint Credit CoAppicant for Joint Credit 2. Type of Mortgage and Terms of Credit Mortgage Appied For Home Purchase or Refinancing Home Equity Loan Home Equity Line of Credit Amount/Credit Limit Interest Rate No. of Lender's Case No. Amortization Type % Fixed ARM 3. Property Information and Purpose of Credit Subject Property Address (street, city, state & ZIP) Lega Description of Subject Property (attach description if necessary) No. of Units Year Buit Purpose of Loan Property wi be: Purchase Construction Other: Primary Secondary Investment Refinance ConstructionPermanent Residence Residence Compete this ine if construction or constructionpermanent oan. Year Lot Origina Cost Amount Existing (a) Present Vaue of (b) Cost of Tota (a + b) Acquired Liens Lot Improvements Compete this ine if this is a refinance oan. Year Origina Cost Amount Existing Acquired Liens Tite wi be hed in what Name(s) Purpose of Refinance Source of Down Payment, Settement Charges, and/or Subordinate Financing (expain) Describe Improvements made to be made Cost: Manner in which Tite wi be hed Estate wi be hed in: Fee Simpe Leasehod (show expiration date) Appicant's Name Appicant 4. Appicant Information CoAppicant's Name CoAppicant Socia Security No. Primary Phone of Birth Socia Security No. Primary Phone of Birth ID Type & No. Issued By Issue Exp. ID Type & No. Issued By Issue Exp. Emai Address Emai Address Present Address Married Separated (incuding registered domestic partner or civi union) Unmarried (incuding singe, divorced, widowed) Dependents (not isted by CoAppicant) No. Ages Married Separated (incuding registered domestic partner or civi union) Unmarried (incuding singe, divorced, widowed) Dependents (not isted by Appicant) No. Ages Present Address Maiing Address, if different from Present Address Maiing Address, if different from Present Address Former Address Former Address Universa Credit AppicationReaEstate Woters Kuwer Financia Services 2009 (Compete if ess than 2 years ago) (Compete if ess than 2 years ago) UCARE 9/16/2009 Page 1 of 5

2 Appicant Name & Address of Empoyer Sef Empoyed 5. Empoyment Information Yrs. on this job Name & Address of Empoyer CoAppicant Sef Empoyed Yrs. on this job Yrs. empoyed in this ine of work/profession Yrs. empoyed in this ine of work/profession Position/Tite/Type of Business Position/Tite/Type of Business If empoyed in current position for ess than two years or if currenty empoyed in more than one position, compete the foowing: Name & Address of Empoyer Sef Empoyed s (from to) Name & Address of Empoyer Sef Empoyed s (from to) Position/Tite/Type of Business Name & Address of Empoyer Sef Empoyed Gross Monthy s (from to) Position/Tite/Type of Business Name & Address of Empoyer Sef Empoyed Gross Monthy s (from to) Position/Tite/Type of Business Gross Monthy Gross Monthy Position/Tite/Type of Business 6. Monthy and Combined Housing Expense Information Appicant CoAppicant Tota Combined Monthy Housing Expense Present Gross Monthy Proposed Base Emp. * Overtime Bonuses Commissions Dividends/Interest Net a Other (before competing, see the notice in "Describe Other," beow) First Mortgage (P&I) Other Financing (P&I) Hazard Insurance Rea Estate Taxes Mortgage Insurance Homeowner Assn. Dues Other Tota A/C * Sef Empoyed Appicant(s) may be required to provide additiona documentation such as tax returns and financia statements. Describe Other Tota Notice: Aimony, chid support, or separate maintenance income need not be reveaed if the Appicant (A) or CoAppicant (C) does not choose to have it considered for repaying this oan. Monthy Amount 7. Assets and Liabiities This Statement and any appicabe supporting schedues may be competed jointy by both married and unmarried CoAppicants if their assets and iabiities are sufficienty joined so that the Statement can be meaningfuy and fairy presented on a combined basis; otherwise, separate Statements and Schedues are required. If the CoAppicant section was competed about a nonappicant spouse or other person, this Statement and supporting schedues must aso be competed about that spouse or other person. Competed Jointy Not Jointy Schedue of Rea Estate ed. (If additiona properties are owned, use continuation sheet.) Property Address (enter S if sod, PS if pending sae, Type of Present Amount of Insurance, Gross a Mortgage Net a Mortgages & Maintenance, R if renta for income or O for other) Property Market Vaue Liens Payments Taxes & Misc. Totas List any additiona names under which credit has previousy been received and indicate appropriate creditor name(s) and account number(s): Aternate Name Creditor Name Account Number Universa Credit AppicationReaEstate Woters Kuwer Financia Services 2009 UCARE 9/16/2009 Page 2 of 5

3 Description Assets Cash deposit toward purchase hed by: List checking and savings accounts beow 7. Assets and Liabiities (Continued) Cash or Market Vaue Liabiities and Pedged Assets. List the creditor's name, address, and account number for a outstanding debts, incuding automobie oans, revoving charge accounts, rea estate oans, aimony, chid support, stock pedges, etc. Use continuation sheet, if necessary. Indicate by (*) those iabiities, which wi be satisfied upon sae of rea estate owned or upon refinancing of the subject property. Liabiities Monthy Payment & Left to Pay Payment/ Unpaid Baance Revoving Payment/ Revoving Payment/ Revoving Payment/ Stocks & Bonds (Company name/number & description) Revoving Payment/ Life Insurance net cash vaue Face amount: Subtota Liquid Assets Rea estate owned (enter market vaue from schedue of rea estate owned) Vested interest in retirement fund Net worth of business(es) owned (attach financia statement) Automobies owned (make and year) Aimony/Chid Support/Separate Maintenance Payments Owed to: Revoving Payment/ Revoving Payment/ Revoving JobReated Expense (chid care, union dues, etc.) Other Assets (itemize) Other Assets (from continuation page, if any) Tota Assets (a) a. Are there any outstanding judgments against you? b. Have you been decared bankrupt within the past 7 years? c. Have you had property forecosed upon or given tite or deed in ieu thereof in the ast 7 years? d. Are you a party to a awsuit? Appicant Tota Monthy Payments Other Liabiities (from continuation page, if any) Net Worth (a b) 8. Decarations CoAppicant e. f. Tota Liabiities (b) Have you directy or indirecty been obigated on any oan which resuted in forecosure, transfer of tite in ieu of forecosure, or judgment? Are you presenty deinquent or in defaut on any Federa debt or any other oan, mortgage, financia obigation, bond, or oan guarantee? Appicant CoAppicant Universa Credit AppicationReaEstate Woters Kuwer Financia Services 2009 UCARE 9/16/2009 Page 3 of 5

4 g. h. i. j. k.. Are you obigated to pay aimony, chid support, or separate maintenance? Is any part of the down payment borrowed? Are you a comaker or endorser on a note? Are you a U.S. citizen? Are you a permanent resident aien? Do you intend to occupy the property as your primary residence? 8. Decarations (Continued) Appicant CoAppicant m. Have you had an ownership interest in a property in the ast three years? (1) What type of property did you own principa residence (PR), second home (SH), or investment property (IP)? How did you hod tite to the home soey by yoursef (S), jointy with your spouse (SP), or jointy with another person (O)? 9. Continuation and Additiona Information Instructions. Use this section if you need more space to compete the Universa Credit Appication. Mark "A" for Appicant and "C" for CoAppicant. Use this space if you answered "" to any of the questions in Section 8. n. (2) Are there any other equity oans on the property? Appicant CoAppicant 10. Federa Notices Important Appicant Information. To hep the government fight the funding of terrorism and money aundering activities, Federa aw requires a financia institutions to obtain, verify, and record information that identifies each person who appies for a oan or opens an account. What this means for you. When you appy for a oan or open an account, we wi ask for your name, address, date of birth, and other information that wi aow us to identify you. We may aso ask to see your driver's icense and/or other identifying documents. In some instances, we may use outside sources to confirm the information. The information you provide is protected by our privacy poicy and Federa aw. Fase Statements. By signing beow, I/we fuy understand that it is a Federa crime punishabe by fine or imprisonment, or both, to knowingy make any fase statements concerning any of the above facts as appicabe under the provisions of Tite 18, United States Code, Section 1001, et seq. Caifornia Residents. 11. State Notices Each appicant, if married, may appy for a separate account. Massachusetts Residents. Under Massachusetts statute, Mass. Gen. L. ch. 184, Section 17B, you, the Appicant (and CoAppicant) are entited to know the foowing: 1. The responsibiity of the attorney for the Mortgagee is to protect the interest of the Mortgagee. 2. Mortgagors may, at their own expense, engage an attorney of their own seection to represent their interests in the transaction. For Home Equity Line of Credit. The current annua percentage rate for finance charges and, if the rate may vary, a statement to that effect and of the circumstances under which the rate may increase and whether there are any imitations on any such increase, as we as the effects of any such increase; the conditions under which a finance charge may be imposed, incuding the time period within which any credit extended may be repaid without incurring a finance charge; whether any annua fee is charged and the amount of any such fee; and whether any other charges or fees may be assessed, the purposes for which they are assessed, and the amounts of any such charges or fees. New York Residents. A consumer report may be ordered in connection with your appication. Upon your request, we wi inform you whether or not a report was ordered. If a report was ordered, we wi te you the name and address of the consumer reporting agency that provided the report. Subsequent reports may be ordered or utiized in connection with an update, renewa or extension of credit for which you have appied. Ohio Residents. The Ohio aws against discrimination require a creditors make credit equay avaiabe to a creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individua upon request. The Ohio Civi Rights Commission administers compiance with this aw. Any person who, with intent to defraud or knowing that he is faciitating a fraud against an insurer, submits an appication or fies a caim containing a fase or deceptive statement is guity of insurance fraud. Texas Residents. The owner of the homestead is not required to appy the proceeds of the extension of credit to repay another debt except debt secured by the homestead or debt to another ender. Wisconsin Residents. Notice to Married Appicants. No provision of any marita property agreement, uniatera statement under Wisc. Statutes or a court decree under Wisc. Statutes adversey affects the interest of the ender uness the ender, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actua knowedge of the adverse provision when the obigation to the ender is incurred. For married Wisconsin Residents. The credit being appied for, if granted, wi be incurred in the interest of my marriage or famiy. I understand the creditor may be required by aw to give notice of this transaction to my spouse. 12. Acknowedgment and Agreement Each of the undersigned specificay represents to Lender and to Lender's actua or potentia agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowedges that: (1) the information provided in this appication is true and correct as of the date set forth opposite my signature and that any intentiona or negigent misrepresentation of this information contained in this appication may resut in civi iabiity, incuding monetary damages, to any person who may suffer any oss due to reiance upon any misrepresentation that I have made on this appication, and/or in crimina penaties incuding, but not imited to, fine or imprisonment or both under the provisions of Tite 18, United States Code, Sec. 1001, et seq. ; (2) the oan requested pursuant to this appication (the "Loan") wi be secured by a mortgage or deed of trust on the property described in this appication; (3) the property wi not be used for any iega or prohibited purpose or use; Universa Credit AppicationReaEstate Woters Kuwer Financia Services 2009 UCARE 9/16/2009 Page 4 of 5

5 12. Acknowedgment and Agreement (Continued) (4) a statements made in this appication are made for the purpose of obtaining a residentia mortgage oan; (5) the property wi be occupied as indicated in this appication; (6) the Lender, its servicers, successors or assigns may retain the origina and/or an eectronic record of this appication, whether or not the Loan is approved; (7) the Lender and its agents, brokers, insurers, servicers, successors and assigns may continuousy rey on the information contained in the appication, and I am obigated to amend and/or suppement the information provided in this appication if any of the materia facts that I have represented herein shoud change prior to cosing of the Loan; (8) in the event that my payments on the Loan become deinquent, the Lender, its servicers, successors or assigns may, in addition to any other rights and remedies that it may have reating to such deinquency, report my name and account information to one or more consumer reporting agencies; (9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by aw; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or impied, to me regarding the property or the condition or vaue of the property; and (11) my transmission of this appication as an "eectronic record" containing my "eectronic signature," as those terms are defined in appicabe federa and/or state aws (excuding audio and video recordings), or my facsimie transmission of this appication containing a facsimie of my signature, sha be as effective, enforceabe and vaid as if a paper version of this appication were deivered containing my origina written signature. Acknowedgment. Each of the undersigned hereby acknowedges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information contained in this appication or obtain any information or data reating to the Loan, for any egitimate business purpose through any source, incuding a source named in this appication or a consumer reporting agency. Appicant's Signature CoAppicant's Signature 13. Information for Government Monitoring Purposes Important Instruction. You must eave bank, UNLESS you are appying for a home purchase oan, a refinancing of a home oan, a home improvement oan or a home improvement ine of credit. The foowing information is requested by the Federa Government for certain types of oans reated to a dweing in order to monitor the Lender's compiance with equa credit opportunity, fair housing and home mortgage discosure aws. You are not required to furnish this information, but are encouraged to do so. The aw provides that a ender may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, pease provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federa reguations, the Lender is required to note the information on the basis of visua observation and surname if you have made this appication in person. If you do not wish to furnish the information, pease check the box beow. Appicant Ethnicity: Race: Sex: This information was provided: American Indian or Aaska Native Femae Loan Originator's Signature I do not wish to furnish this information Hispanic or Latino Native Hawaiian or Other Pacific Isander CoAppicant Ethnicity: Race: Not Hispanic or Latino Asian Back or African White American Mae Sex: For Mortgage Loan Originator In a facetoface interview By the appicant and submitted by fax or mai American Indian or Aaska Native I do not wish to furnish this information Hispanic or Latino Native Hawaiian or Other Pacific Isander Femae Loan Originator's Phone Number Not Hispanic or Latino Asian Back or African White American Mae In a teephone interview By the appicant and submitted via emai or the Internet Loan Originator's Name Loan Origination Company's Name Loan Originator Identifier Loan Origination Company Identifier Loan Origination Company's Address a. Purchase price b. Aterations, improvements, repairs c. Land (if acquired separatey) d. Refinance (incude debts to be paid off) e. Estimated prepaid items f. Estimated cosing costs g. PMI, MIP, Funding Fee h. Discount (if Appicant wi pay) i. Tota costs (add items a through h) j. Subordinate financing Transaction Worksheet Optiona For Lender's Use Lender's Initia Lien Position First Lien Hoder's Name & Address (if any) Second Lien Hoder's Name & Address (if any) First Lien Second Lien Subordinate Lien Loan No. Loan No. Appication Received Received By k. Appicant's cosing costs paid by Seer. Other Credits (expain) m. Loan amount (excude PMI, MIP, Funding Fee financed) n. PMI, MIP, Funding Fee financed o. Loan amount (add m & n) p. Cash from/to Appicant (subtract j, k, & o from i) Amount Requested Decision Approved Denied HMDA Reportabe Refinancing Cash Out Decision Amount Approved Rescindabe Decision By Initia Advance (if appicabe) Eary Discosures Given, on Funding High Cost Mortgage High Priced Mortgage Universa Credit AppicationReaEstate Woters Kuwer Financia Services 2009 UCARE 9/16/2009 Page 5 of 5

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