! Home%Rental%Information%and%Application%%!! NeighborWorks!Provo!is!a!non1profit!organization.!We!have!been!creating!

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1 Hom%Rntal%Information%and%Application%% NighborWorksProvoisanon1profitorganization.Whavbncrating opportunitisforpopltoimprovthirlivsandstrngthnthir communitissinc1992.wprovidaffordablrntalhousingforvrylow, low,andmodratincomfamilisinthstatofutah.walsoprovid ForclosurPrvntionCounsling,MortgagModificationSrvics, HombuyrEducation,andRvrsMortgagCounsling.Ourcounslors arhud1crtifidandstatlicnsd. NighborhoodHousingSrvicsofProvo,Inc.,doingbusinssas NighborWorks%Provodosnotdiscriminatonthbasisofrac,color, nationalorigin,ag,disability,gndrorgndrorintation,rligion,familial status,orsourcofincominthsal,rntalandmanagmntofanyofits rsidntialdwllings,norinanyofourfinancialcounslingsrvics. NighborWorksProvoaffirmsitspolicyofqualhousingopportunityin accordancwithallstatandfdralfairhousinglaws. 39Wst300North,ProvoUtah84601 (801)%375D5820% FAX%(801)%375D5966% % 1

2 % Thank%you%for%your%rqust%for%mor%information% about%our%rntal%hous:%% % NighborWorks%ProvoownsandmanagssvralrntalproprtisinUtahCountyforrnttovrylow,andlow incomfamilis.rntsrangfrom$750to$1400forathr1bdroom,and$975to$1550fora41bdroomunit. Occasionallywhava51bdroomhousforrntfor$1050to$1700.Wdon townanyonbdroomorstudiounits.th housswhavforrntarforfamilisonly1thismanspoplrlatdtoachothr.wdonotrnttosinglpopl,or carrymultiplstudntcontracts. NighborWorks%Provoisanon1profitorganizationwithamissiontoacquiroldr,dcayinghoms,compltly rmodlthmandthnrntthmasaffordabl,saf,nrgy1fficinthomsinordrtorvitaliztraditional nighborhoods. Wundrstandthatthdtailinthapplicationprocsscanbfrustrating,butwhavtoanswrtoourfundrs stat andfdralagnciswhorquiralotofdtailfromus.informationislistdblowtllingyouallththingsyou llndto submittouswithyourapplication.ourapplicationprocss chckingallthsubmissions cantakovrawk,soif you rinahurrytogtintoahousthismaybaconsidration. Thrisarfundablscuritydpositqualtoonmonthrntduatlassigning,alongwiththonmonthrntin advanc.alllassarforatlastonyar.justpriortothndofthfirstrntalyarwwillndtovrifythatallth informationyouproviddoriginallyisstillcurrnt(mploymnt,tc.)andthnthlasmaybrnwd.allutilitisar thrsponsibilityofthtnant,butwwilltakcarofthfrontyardduringthsummr,anddosnowrmovalinth wintr. HOW%TO%APPLY:%% % Obtainanapplicationfromusbymail,tracy.nwprovo@gmail.comorpickonupfromourofficat 39Wst300North(upstairs)inProvo.OrwcanFAXontoyou.OurofficisopnM1TH8:00to6:00. Thdocumntsyouwillndtosubmitwithyourapplicationar: % *%A%social%scurity%cardforachhousholdmmbr *%A%US%birth%crtificatforachhousholdmmbr *A%photo%ID%for%anyon%18%or%oldrwhowillblivinginthhous *%3%months%most%rcnt%bank%or%crdit%union%statmntswithinstitutionnam, applicantnamandfullaccountnumbrprintdonthstatmnts. *3%month%incom%vrification%(allsourcs:paychckstubs,socialscurity,childsupport,housing assistancconfirmation,foodstamps,tc.) Aftryouhavcompltdthapplicationw llschdulanappointmntwithyouforahomvisittoyourcurrnt rsidnctogivusagnralidaofhowyoucarforyourlivingaras.wwillconductacriminalbackgroundsarch,run yourcrditrport,andcontactyourmployrforincomvrificationandlandlordforrfrncs. W llcontactyouifwhavanyqustions,andwillltyouknowassoonaspossiblaboutaccptancordnialofyour application.accptancintoourrntalprogramisbasdonsvralfactorssuchasavailability,unitsiz,yourdmonstratd abilitytopayconsistntrntontim,incomlvl,familysiz,backgroundchck,tc.anyothrqustions?plascallus. 2

3 ApplicantInformation Nam:&& NighborWorksProvoRntalApplication Addrss(s)ofUnitApplyingFor Dat&of&birth:& SSN:& Phon:& Currnt&addrss:& City:& Stat:& ZIP&Cod:& Own& Rnt Monthly&paymnt&or&rnt:& How&long?& Prvious&addrss&:& City:& Stat:& ZIP&Cod:& ( P Ownd& Rntd Monthly&paymnt&or&rnt:& l How&long?& EmploymntandIncomInformation(Rstrictionsmayapply) a ( s Currnt&mployr:& P l Employr&addrss:& How&long?& & c Phon:& EGmail:& Fax:& a i s City:& Stat:& ZIP&Cod:& r c Position:& Hourly& &Salary& (Plas&circl)& Annual&incom:& & l c EmrgncyContact i )& Nam&of&a&prson&not&rsiding&with&you:& r c Addrss:& l City:& Stat:& ZIP&Cod:& Phon:& )& Rlationship:& CoCapplicantInformation,ifMarrid Nam:& Dat&of&birth:& SSN:& Phon:& Currnt&addrss:& City:& Stat:& ZIP&Cod:& Own& Rnt Monthly&paymnt&or&rnt:& How&long?& Prvious&addrss:& City:& Stat:& ZIP&Cod:& ( P Ownd& Rntd& (Plas&circl)& Monthly&paymnt&or&rnt:& l How&long?& CoCapplicantEmploymntInformation Currnt&mployr:& Employr&addrss:& a s How&long?& & Phon:& City:& EGmail:& Stat:& Fax:& ZIP&Cod:& c i r Position:& Hourly& &Salary& (Plas&circl)& Annual&incom:& c l RfrncsofPrviousLandlords )& Nam:&& Addrss:& Phon:& I&authoriz&th&vrification&of&th&information&providd&on&this&form&as&to&my&crdit&and&mploymnt.&I&hav&rcivd&a& copy&of&this&application.& & Signatur&of&applicant:& & Signatur&of&coGapplicant:& & Dat:& & Dat:& 3

4 INFORMATION REQUIRED BY HUD - w must ask ths qustions HOUSEHOLD COMPOSITION Houshold Composition - List th had of your houshold and all mmbrs who liv in your hom. Giv th rlationship of ach mmbr to th had of houshold. Family Siz Full Nam Social Scurity # Rlationship Ag Sx Ethnic Origin (s cods blow) 1 Had Hav any of your childrn bn tstd for lad paint poisoning? Ys No 2. Dos anyon liv with you now who ar not listd abov? Ys No 3. Dos anyon plan to liv with you in th futur who ar not listd abov? Ys No 4. Hav you, your spous or co-applicant vr dclard bankruptcy? Ys No If ys, Dat Fild Status Plas xplain if you answrd "Ys to any qustion abov. 6. Ar you, your spous or co-applicant rlatd to an mploy of th Provo City Rdvlopmnt Agncy, NighborWorks Provo or any appointd or lctd Provo City Official? Ys No 7. Hav you vr rcivd any typ of Fdral assistanc? If ys, plas xplain: Rac and Ethnicity Catgory Cods: 1. Whit - a prson having origins in any of th original popls of Europ, North Africa, or th Middl East. 2. Black/African Amrican- A prson having origins in any of th black racial groups of Africa. 3. Asian - A prson having origins in any of th original popls of th Far East, Southast Asia, or th Indian subcontinnt including, for xampl, Cambodia, China, India, Japan, Lora, Malaysia, Pakistan, th Philippin Islands, Thailand, and Vitnam. 4. Amrican Indian/Alaskan Nativ - A prson having origins in any of th original popls of North and South Amrica (including Cntral Amrica) and who maintains a tribal affiliation or community attachmnt. 5. Nativ Hawaiian/Othr Pacific Islandr - A prson having origins in any of th original popls of Hawaii, Guam, Samoa, or othr Pacific Islands. 6. Amrican Indian/Alaskan Nativ and Whit - A prson having ths multipl racial origins as dfind abov. 7. Asian/Whit - A prson having ths multipl racial Origins as dfind abov. 8. Black/African Amrican and Whit - A prson having ths multipl racial origins as dfind abov. 9. Amrican Indian/Alaskan Nativ & Black/African Amrican - A prson having ths multipl racial origins as dfind abov. 10. Othr Multi-Racial - Catgory usd for rporting individual rsponss that ar not includd in any of th catgoris listd abov. Whit, Black, Asian, Pacific Islandr, Amrican Indian, or multi-rac may also b countd as bing Hispanic. Slct from th numbr cod abov for your houshold mmbrs rac & thnicity information. Th rac and thnicity catgoris ar compild by th U.S. Dpartmnt of Housing and Urban Dvlopmnt and ar rquird filds. A prson of Hispanic/Latino thnicity is dfind as somon of Cuban, Mxican, Purto Rican, Cntral or South Amrican, or othr Spanish cultur, rgardlss of rac. Hispanic/Latino For ach occupid unit, indicat if th had of houshold is Hispanic/Latino by circling: Ys No 4

5 1. Has any houshold mmbr vr usd any nams (maidn nam, tc.) or Social Scurity numbrs othr than th ons currntly in us? If ys, plas xplain: Family Siz and Incom Limit Rquirmnts To qualify for any program using Fdral Funds, w ar rquird to dtrmin incom ligibility basd upon th numbr of prsons who will occupy th houshold and total houshold incom. Plas circl th total numbr of prsons who will b occupying rsidnc, thn circl th rang that most accuratly rflcts th combind total houshold incom of all prsons 18 yars of ag and oldr who will b living in th hom you ar applying for: Houshold Vry, Vry Low Vry Low Incom Low/Modrat Incom Inligibl Incom Siz 30% of AMI 50% of AMI 80% of AMI (mor than 80% of th Avrag Mdian Incom) 1 $0-$14,220 $14,221-$23,700 $23,701-$37,920 $37,921 or abov 2 $0-$16,230 $16,231-$27,050 $27,051-$43,280 $43,281 or abov 3 $0-$18,270 $18,271-$30,450 $30,451-$48,720 $48,721 or abov 4 $0-$20,280 $20,281- $33,800 $33,801-$54,080 $54,081 or abov 5 $0-$21,930 $21,931-$36,550 $36,551-$58,480 $58,481 or abov 6 $0-$23,550 $23,551-$39,250 $39,251-$62,800 $62,801 or abov 7 $0-$25,170 $25,171-$41,950 $41,951-$67,120 $67,121 or abov 8 $0-$26,790 $26,791-$44,650 $44,651-$71,440 $71,441 or abov Disability: Dos Had of Houshold or spous hav a vrifiabl disability? Ys No Do you rquir whlchair accssibility? Ys No Landlord Information Plas list you r thr [3] most rcnt landlords: Failur to provid this information may rsult in th dlay or dnial of your application If you own your hom plas ltusknow3anddon tfillout thispartofthapplication Prsnt Landlord Prvious Landlord 1 Prvious Landlord 2 Nam Strt Addrss City, Stat, ZIP Phon (includ ara cod) How long did you rnt? Wr you victd? If ys, whn? (mo/yr) If ys, plas xplain 5

6 Incom: Plas considr all sourcs of incom and mony rcivd or paid in your bhalf for yourslf and all mmbrs of th houshold. If you answr YES to any qustions blow, you must provid all rqustd information on th following tabl. Amounts must b gross (bfor tax), monthly totals. Provid incom vrification of all monis rcivd by all houshold mmbrs. Vrifications could includ; printouts from Dpt of Workforc Srvics, Offic of Rcovry Srvics, or Social Scurity; th most rcnt month s chck stubs; bank statmnts, tc. Dos any houshold mmbr rciv full-tim or part-tim arnings from any typ of mploymnt, including slf-mploymnt? Y N Dos any houshold mmbr own a businss or rciv arnings as an indpndnt contractor? Y N Dos any houshold mmbr rciv cash, tips, bonuss, commissions, or any typ of compnsation for providing any typ of srvics? Y N Dos any houshold mmbr rciv unmploymnt compnsation, workr s compnsation or svranc pay? Y N Dos any houshold mmbr rciv any typ of Social Scurity? Y N Dos any houshold mmbr rciv child support dirctly from th absnt parnt and/or from any child Y N support rcovry unit or agncy? Dos anyon in your houshold rciv any typ of incom, mony, or financial support from any sourc othr Y N than th ons w hav askd about abov? Plas xplain: >Plas provid th thr most rcnt statmnts, showing your full account numbr, for all bank accounts and invstmnt accounts ownd by any mmbr of th houshold. This information is ncssary for us to vrify your incom. CERTIFICATION: All information providd in this application will b kpt confidntial in accordanc with Fdral and Stat guidlins I/W vrify that th information givn on this form is accurat and complt to th bst of our information, and I/W authoriz you to obtain such information as you may rquir in ordr vrifying th information containd hrin. I/W affirm that ach answr is tru and corrct and is mad for th purpos of obtaining rntal housing through NighborWorks Provo and you ar ntitld to rly thron, whthr or not you obtain furthr and/or additional information. I/W hav also rad and undrstand th HOME Ownrship Assistanc Program Guidlins and this application and I/W agr to abid by th guidlins of th Provo City HOME Ownrship Assistanc Program. I/W will not hold NighborWorks Provo lgally liabl for any actions of th NighborWorks staff or thir sub-contractors. DISCLAIMER: Th undrsignd hrby acknowldgs that any discussions with or any information givn by a NighborWorks mploy rgarding this application prior to rcipt of a formal signd las agrmnt from NighborWorks Provo is only for program information and may not b considrd a binding commitmnt on th part of NighborWorks Provo to provid rntal housing. Dat: Dat: Dat: Signatur: Signatur: Witnssd: 6

7 HUD - Dclaration of Citiznship Nam of Had of Houshold Mailing Addrss: Part 1: Applis to ALL Family Mmbrs: Each prson who will bnfit undr th subsidizd housing program must ithr b a citizn or national of th Unitd Stats, or b a noncitizn who has ligibl immigration status that qualifis thm for rntal assistanc as dtrmind by th U.S. Dpartmnt of Housing and Urban Affairs and th U.S. Immigration and Naturalization Srvic. On lin in this form must b chckd for ach family mmbr indicating status as a citizn or as a national of th Unitd Stats, or a noncitizn with ligibl immigration status. Family mmbrs rsiding in th unit to b assistd that do not claim to b a citizn or national of th Unitd Stats, or do not claim to b a non-citizn with ligibl immigration status should not chck any box. All adults must sign whr indicatd. For ach child who is not 18 yars of ag, th form must b signd for thm by an adult mmbr of th family rsiding in th dwlling, who is rsponsibl for that child. Us blank lins or writ on th back of this sht to add any family mmbrs who ar not listd. I am a citizn I am a non-citizn with ligibl or national immigration Signatur of Adult listd to th lft First Nam Last Nam Ag of th U.S. status or Signatur of Guardian for Minor or % or % or % or % or % or % or % or % or % or % or % % % Warning:%Titl%18%US%Cod%Sction%1001%stats%that%a%prson%is%guilty%of%a%flony%for%knowingly%and%willingly%making%a% fals%or%fraudulnt%statmnt%to%any%dpartmnt%or%agncy%of%th%unitd%stats.%if%this%form%contains%fals%or%incomplt% information%you%may%b%rquird%to%rpay%all%ovrpaid%rntal%assistanc%you%hav%rcivd,%you%can%b%find%up%to% $10,000,%imprisond%for%up%to%5%yars,%and/or%prohibitd%from%rciving%any%futur%assistanc.%%% % Not: Family mmbrs who hav chckd a lin indicating that thy ar a non-citizn with ligibl immigration status must complt Part 2 of this form. Pag 1 of 2 7

8 Part 2: Applis to Noncitizn Eligibl Immigration Status Family Mmbrs Only: Plas provid this offic with th original of ONE of th following documnts if you hav claimd ligibl immigration status on Part 1 of this form abov: 1. Form I-551, Alin Rgistration Rcipt Card 2. Form I-94, Arrival-Dpartur Rcord with appropriat annotations or documnts 3. Form I-688, Tmporary Rsidnt Card 4. Form I-688 B, Employmnt Authorization Card 5. A rcipt issud by th INS indicating that an application for issuanc or rplacmnt of on of th abov- listd documnts has bn mad and th applicant s ntitlmnt to th has bn vrifid. Plas call us to arrang for dlivry and copying of th original documnts. Do not mail original documnts to our offic. If documnts ar not prsntd and vrifid thn your family rntal assistanc may b rducd, dnid, or trminatd as providd in rgulations promulgatd by th U.S. Dpartmnt of Housing and Urban Dvlopmnt, pnding availabl appals procsss. Had%of%Houshold%Crtification% As Had of Houshold I hrby crtify, undr pnalty of prjury, that all mmbrs of my houshold ar listd in on Part 1 of this form and that mmbrs of my houshold who hav not chckd ithr box in Part 1 of this form do not claim to b citizns or nationals of th Unitd Stats, or non-citizns with ligibl immigration status. Signatur Dat Consnt%to%Vrify%Eligibl%Immigration%Status% Each family mmbr rquird to complt Part 2 of this form must sign blow granting consnt to vrify ligibl immigration status. For ach child who is not yt 18 yars of ag th form must b signd by an adult mmbr of th family rsiding in th dwlling unit, who is rsponsibl for that child. First Nam Last Nam Ag Signatur of adult or adult Guardian for Minor % % % % % % % % % % Evidnc supplid with this form may b rlasd by th Housing Agncy, without rsponsibility for its furthr us or transmission, to th Immigration and Naturalization Srvic for purposs of vrification of th immigration status of th individual or to th U.S. Dpartmnt of Housing and Urban Dvlopmnt, as rquird. Th U.S. Dpartmnt of Housing and Urban Dvlopmnt is not rsponsibl for th furthr us or transmission of th vidnc or othr information. Pag 2 of 2 8

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12 Attachmnt A OMB Control # Supplmntal and Optional Contact Information for HUD-Assistd Housing Application SUPPLEMENT)TO)APPLICATION)FOR)FEDERALLY)ASSISTEDHOUSING) This form to b providd to ach applicant for fdrally assistd housing Optional Contact Prson or Organization: You hav a right by law to includ as part of your application for housing, th nam, addrss, tlphon numbr, and othr rlvant information of a family mmbr, frind, or social, halth, advocacy, or othr organization. This contact information is for th purpos of idntifying a prson or organization that may b abl to hlp in rsolving any issus that may aris during your tnancy or to assist you in providing any srvics or car you may rquir. You may updat, rmov or chang th information you provid on this form at any tim. You ar not rquird to provid this contact information, but if you choos to do so, plas includ th rlvant information on this form. Applicant Nam: Mailing Addrss: Tlphon Numbr: Cll Phon Numbr: Nam of Additional Contact prson or organization: Addrss: Addrss (if applicabl): Rlationship to Applicant: Contact th abov contact prson for (circl all that apply): Emrgncy Unabl to contact you Lat rnt paymnt Assist with Rcrtification procss Eviction from unit Chang in las trms Trmination of rntal assistanc Chang in Hous Ruls Othr: Commitmnt of Housing Authority or Ownr: If you ar approvd for housing, this information will b kpt as part of your tnant fil. If issus aris during your tnancy or if you rquir any srvics or spcial car, w may contact th prson or organization you listd to assist in rsolving th issus or in providing any srvics or spcial car to you. Confidntiality Statmnt: Th information providd in this form is confidntial and will not b disclosd to anyon xcpt as prmittd by th applicant or applicabl law. Lgal Notification: sction 644 of th Housing and Community dvlopmnt Act of 1992 (Public Law , approvd on Octobr 28, 1992) rquirs ach applicant for fdrally assistd housing to b offrd th option of providing an additional contact prson or organization. By accpting th applicant s application, th housing providr agrs to comply with th non-discrimination and qual opportunity rquirmnts of 24CFR sction 5.105, including th prohibitions on discrimination in admission to or participation in fdrally assistd housing programs on th basis of rac, color, rligion, gndr, gndr orintation, national origin, disability and familial status undr th Fair Housing Act, and th prohibition on ag discrimination undr th Ag Discrimination act of Chck hr if you choos not to provid th contact information. Signatur)of)Applicant)) ) ) ) ) ) ) Dat) ) ) ) ) 12

13 39 W 300 N, Provo, UT 84601, Phon , FAX LAW ENFORCEMENT QUESTIONNAIRE ANYONE REPORTING FALSE INFORMATION ON THIS FORM WILL BE DENIED HOUSING PRINT FULL NAME OF APPLICANT (Maidn, Also Known As): Dat of Birth: / / Social Scurity # / / Print Full Nam of Co Applicant (Maidn, AKAs): Dat of Birth: / / Social Scurity # / / Print Full Nam of Any Prson ovr 18 yars of Ag: Dat of Birth: / / Social Scurity # / / Print Full Nam of Any Prson ovr 18 yars of Ag: Dat of Birth: / / Social Scurity # / / Us an additional sht if mor prsons ovr th ag of 18 ar applying. Answr ach of th following qustions for all applicants with on indicator, and xplain in dtail in Sction A of th nxt pag: 1. Ys No Has any mmbr of houshold bn convictd, arrstd, or had a polic rport fild on thm involving crims of physical violnc against prson(s) or proprty, drug-rlatd activity, OR ANY OTHER FELONY OR MISDISMEANOR CRIMINAL ACTIVITY, othr than a minor traffic violation? 2. Ys No Has any houshold mmbr bn victd from fdrally assistd housing bcaus of drug-rlatd criminal activity involving th illgal manufactur, sal, distribution or possssion with th intnt to manufactur, sll or distribut a controlld substanc as dfind in Sction 102 of th Controlld Substancs Act, 21 USC 802? 3. Ys No Is any houshold mmbr illgally using a controlld substanc or abusing alcohol in a way that may intrfr with th halth, safty or right to pacful njoymnt of th prmiss by othr rsidnts? 4. Ys No Has any houshold mmbr bn arrstd or convictd of manufacturing or producing mthamphtamin (spd)? 5. Ys No Has any mmbr of th houshold vr bn or is currntly on a sx offndr rgistration? 6. Ys No Has any houshold mmbr bn arrstd for drugs and had a firarm in th unit at th tim of th arrst? 7. Ys No Has any houshold mmbr bn arrstd or convictd for us of a firarm in th commission of a crim? All ys answrs must b xplaind on this form in Sction A blow and includ: who, what, whn, whr and final disposition. I hrby crtify that th abov information is corrct and complt to th bst of my knowldg. I hrby authoriz NighborWorks Provo or its agnts to vrify th abov information and crtify that th information providd is tru and corrct. 13

14 Signatur of Applicant: Dat Signaturs of othr Adult Houshold Mmbrs: Dat Dat Dat SECTION A: If Ys is answrd to any on of qustions 1 through 7 abov, th following information is as an xplanation. List ALL criminal history. Nam of partis involvd: Dat(s) th vnt(s) occurrd (month, day and yar): Whr did th vnt(s) occur (city and stat): Dscrib what happnd: Final disposition with th Justic systm (how it was rsolvd): 14

15 CrditRportAuthorizationandPrivacyDisclosurForm IhrbyauthorizandinstructNighborWorksProvo(hrinaftr NWP )toobtainandrviwmycrdit rport.mycrditrportwillbobtaindfromacrditrportingagncychosnbynwp.iundrstandandagr thatnwpintndstousthcrditrportforthpurposofvaluatingmyfinancialabilitytopayrntononof thirhomsiwishtornt. Mysignaturblowalsoauthorizsthrlastocrditrportingagncisoffinancialorothrinformationthat IhavsupplidtoNWPinconnctionwithsuchvaluation.Authorizationisfurthrgrantdtothcrdit rportingagncytousacopyofthisformtoobtainanyinformationthcrditrportingagncydms ncssarytocompltmycrditrport. Inaddition,IauthorizNWPtosharwithProvoCityRdvlopmntAgncymycrditrportandany informationthatihavproviddincludinganycomputationsandassssmntsthathavbnproducdbasd uponsuchinformation. Iundrstandthat,xcptasoutlindwithinthisdocumnt,noadditionalprsonsorbusinssshallhavth privilgoraccsstomyinformationobtaindbynwpforthisrntalapplicationpurpos. IundrstandthatmyrfusaltosignthisCrditRportAuthorizationandPrivacyDisclosurFormwillrsultin myinligibilitytorntanyhomforwhichihavapplid. Applicant snam(print) CoLApplicant snam(print) Applicant ssignatur CoLApplicant ssignatur L L L L SocialScurityNumbr SocialScurityNumbr Dat Dat Rntaldcisionswillnotbbasdonthcrditscors. ) 15