REQUIRED DOCUMENTATION FOR BROKER APPROVAL. Company/Broker Name: AE Name:

REQUIRED DOCUMENTATION FOR BROKER APPROVAL Company/Broker Name: AE Name: Note: The Approval process will not be initiated until all of the following documentation has been submitted: 1. Completed Broker Application through Comergence 2. Completed TPO Web Center Administration Form 3. Completed State Review Addendum form 4. Completed Broker Agreement form 5. Completed Broker Compensation Addendum form 6. Completed Exhibit 1 to Broker Compensation Addendum form if applicable (for multi-state Brokers) 7. Provide copy of Quality Control Policy 8. Completed Authorization/Release for Businesses and Individuals form 9. Signed Solicitation Agreement, including contact for those individuals to receive Marketing Materials 10. Completed W-9 form 11. Provide a Copy of the Articles of Incorporation (Required for Corporation) 12. Provide a Copy of the Fictitious Business Name Statement for any DBAs 13. Completed Broker s Commitment to Responsible Lending form 14. Completed Company Resolution (N/A for Sole Proprietors) 15. Completed Corporate Resolution (N/A for Sole Proprietors or LLCs) 16. Completed Fair Lending Acknowledgement form 17. Completed Quality Control & Compliance Agreement form 18. Completed Zero Tolerance Loan Fraud Policy form 19. Provide Balance Sheet within 90 days from date provided and signed by owner 20. Provide Income Statement within 90 days and signed by owner 21. Provide Resume for the Broker and/or Principal Officers 22. Completed Originators FHA Sponsorship Request form (if originating FHA Loans) 23. Completed Sponsorship of Broker for FHA Mortgage Loans form (if originating FHA Loans) 24. Completed VA Authorized Agent Request 25. Copies of any Agency Approval Letters 26. Completed Credit Authorization form 27. Completed Authorization to Release Information form 28. Completed Lender Reference List New American Funding 14511 Myford Road, Suite. 100 Tustin, CA 92780 PH 877.999.0799 (Rev. March 2015)

TPO Web Center Administration BROKER CORPORATION / SOLE PROPRIETOR NAME DBA NEW AMERICAN FUNDING AREA SALES MANAGER NAME ROLE NMLS ID EMAIL ADDRESS (Emails cannot be duplicated) Admin Loan Officer Processor Loan Officer Processor Loan Officer Processor Loan Officer Processor Loan Officer Processor Loan Officer Processor Loan Officer Processor Loan Officer Processor Loan Officer Processor Loan Officer Processor Loan Officer Processor Loan Officer Processor NMLS ID#6606. New American Funding. New American and New American Funding are registered trademarks of Broker Solutions, DBA New American Funding. All Rights Reserved. 12/2013

STATE REVIEW ADDENDUM Please indicate below which state(s) you would like to be approved to fund with New American Funding. Due to the difference in state regulations additional documentation may be required. Alaska North Carolina Arizona California Colorado Connecticut Delaware North Dakota Nebraska New Jersey New Mexico Nevada District of Columbia Oklahoma Florida Georgia Iowa Idaho Illinois Indiana Kansas Kentucky Massachusetts Maryland Michigan Minnesota Missouri Montana Ohio Oregon Pennsylvania South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Wisconsin West Virginia (Signature of Broker of Record) (Print Name of Broker of Record) State Review List Page 1 of 1 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

BROKER AGREEMENT THIS WHOLESALE BROKER AGREEMENT ( AGREEMENT ) is entered into on 20 by and between, hereinafter referred to as BROKER, who or which is (select one): a Corporation organized under the laws of the state of an Individual a Partnership organized under the laws of the state of a Limited Liability Company organized under the laws of the state of and Broker Solutions Inc., a California Corporation doing business as New American Funding, unless operating under its current name, hereinafter referred to as LENDER. Recitals WHEREAS, BROKER and LENDER (together, the Parties ) hereto wish to establish a non-exclusive relationship whereby BROKER will submit to LENDER for underwriting and possible funding by LENDER application packages (an Application or collectively, Applications ) for mortgage loans to be secured by first and subordinate liens on residential (1-4 unit) properties (the Loan or Loans ) on behalf of BROKER s clients (collectively, Borrowers ); NOW, THEREFORE, the Parties do hereby agree as follows: Agreement 1. NON-EXCLUSIVE AGREEMENT: Nothing contained herein shall obligate BROKER to submit Applications, to LENDER, it being understood that this shall be a non-exclusive agreement. Nothing contained herein shall obligate LENDER to fund a Loan in connection with an Application submitted by BROKER without LENDER s prior review and approval in writing, which approval may be withheld in LENDER s sole discretion. LENDER s obtaining of a TRID Application or Loan Package (as each is defined below) from BROKER does not: a. Obligate LENDER to accept the TRID Application or Loan Package from BROKER; b. Prohibit LENDER from considering loan application packages from other sources; c. Obligate LENDER to accept or consider other or future packages from BROKER; or d. Establish an agency relationship with BROKER. 2. BROKER RESPONSIBILITY: With regard to Loans submitted by BROKER to LENDER, BROKER shall describe and represent to a Borrower only the LENDER s policies, procedures and pricing as set forth in writing by LENDER. BROKER is an independent contractor and shall not advertise or in any manner represent that it is employed by, is an agent or representative of, or is in any way related to LENDER, or that any of BROKER s officers and employees are officers or employees of LENDER. BROKER shall be solely responsible for the accuracy of any statements, explanations, or claims it makes to Borrower about the terms of the Loan, the approval process, or the status of the Borrower s Loan Approval. BROKER shall have no authority to execute any documents of any type on behalf of LENDER nor shall BROKER have the authority to make any commitments of any type on behalf of LENDER or to bind, contract or incur liability for LENDER. BROKER understands that, in consideration of LENDER funding Loans offered by BROKER, LENDER relies on BROKER s full cooperation, before and after the funding of any Loan. BROKER agrees to fully assist LENDER in obtaining any information and documentation LENDER deems necessary and to otherwise Broker Agreement (9-10-15) Initial Page 1 of 10 New American Funding 14511 Myford Road, Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. September. 2015)

cooperate fully with LENDER to fulfill the purpose of this AGREEMENT. 3. BROKER SERVICES: BROKER shall be responsible at its own expense for the accurate preparation and execution of complete property and credit Applications on each Loan request submitted, in accordance with such programs, procedures and fee schedules as LENDER periodically may establish, including, but not limited to, those items described below or as may be required by LENDER in conformance with LENDER s policies, procedures, and guidelines and/or the policies, procedures and guidelines of its investors in the secondary market (e.g., FNMA, FHLMC, GNMA, HUD, and Warehouse/Collateral Banks). BROKER acknowledges that such LENDER and secondary market policies, procedures, and guidelines may be modified from time to time in the LENDER s or respective secondary market parties sole discretion. A TRID Application is the submission to BROKER by a consumer of that consumer s minimum information to constitute an Application as defined by Regulation Z at 12 CFR 1026.2(a)(3)(ii) as amended and in effect at the time the consumer submits his or her TRID Application information to BROKER. LENDER may reject TRID Applications that BROKER submits to LENDER that do not meet LENDER s then current broker submission requirements or published guidelines. A Loan Estimate means the disclosure required pursuant to Regulation Z at 12 CFR 1026.19(e) and 1026.37 as amended and in effect at the time of the consumer s TRID Application. A Closing Disclosure means the disclosure required pursuant to Regulation Z at 12 CFR 1026.19(f) and 1026.38 as amended and in effect at the time of the consumer s TRID Application. The Loan Package shall include the following: (a) completed loan applications; (b) supporting credit information; (c) copies of all Disclosures which the BROKER is required to provide to the Borrower under federal and/or state law including, without limitation, the Loan Estimate required by the federal Truth-in- Lending Act ( TILA ) and Regulation Z, as amended; the Homeownership Counselors List required by the Real Estate Settlement Procedures Act ( RESPA ), the Good Faith Estimate when required by Regulation X; the Loan Options disclosure required by Regulation Z Section 226.36(e) and any additional Disclosures required by TILA and Regulation Z and/or by the Home Ownership and Equity Protection Act (collectively, Disclosures ); and (d) the original appraisal of the residential property to be secured by the Loan (the Secured Property ). Following submission of any Loan Package to LENDER, BROKER will perform some or all of the following services as required by LENDER: (a) initiate/order verification of employment and verification of deposits, plus any additional documents required to establish income, employment and cash available for closing, if applicable; (b) initiate/order requests for mortgage and other loan verifications; (c) initiate/order appraisals of the Secured Property; (d) analyze the Borrower s income and debt and pre-qualify the Borrower to determine the maximum mortgage amount a Borrower can afford pursuant to LENDER s Guidelines; (e) educate the Borrower in the home buying and financing process, advise the Borrower about the different types of credit products available, and demonstrate the differences in closing costs and monthly payments on a product-byproduct basis; (f) collect financial information (tax returns, bank statements, etc.) and other related documents that are required as part of the application process; (g) assist the Borrower in understanding and rectifying credit problems (with disclosure to LENDER as required); (h) maintain regular contact with the Borrower between application and closing to apprise them of the status of the application and the requirement to satisfy any outstanding conditions to closing, and to gather additional credit, financial and other information as needed; and (i) initiate/order inspections or engineering reports, if applicable. In addition, BROKER may perform some or all of the following services, as requested by LENDER: (a) initiate/order engineering reports of the Secured Property, if necessary; (b) provide additional Disclosures to the Borrower as required by applicable federal, state and local laws, rules and regulations (collectively, Applicable Law ) or by LENDER, HUD or the Investor; (c) determine whether the Secured Property is located in a flood zone or order a flood zone determination; and (d) participate in the Loan closing. BROKER shall review the accuracy and completeness of all information provided by Borrowers, and shall at all times maintain the integrity of BROKER s loan application and processing operations. The contents of all Loan Packages submitted to LENDER shall immediately become the property of LENDER and BROKER hereby assigns all right, title and interests in the Loan Package (except for BROKER s right to receive an origination fee) to LENDER. All information contained in a Loan Package may be subject to LENDER s independent verification. 4. LOAN APPROVAL: Loan Approval shall be at LENDER s sole discretion. BROKER shall not commit LENDER to do anything or take any action without the prior written approval of LENDER. Without limiting the generality of the foregoing, BROKER shall not represent that LENDER has approved or will approve any Loan until LENDER informs BROKER to do so in writing. In addition, BROKER shall not issue a lock-in agreement Broker Agreement (9-10-15) Initial Page 2 of 10 New American Funding 14511 Myford Road, Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. September. 2015)

until BROKER receives written notice of the commitment from LENDER, which shall include the interest rate, points and other terms of the commitment. Any notice of a commitment to a Borrower shall include a description of all conditions that must be satisfied prior to closing ( Conditional Loan Approval ) as more fully described below in Section 7. It is also fully understood and agreed that LENDER s approval of the Loan application is based upon submission by BROKER of true and accurate information in the Loan Package and all supporting documentation, including, but not limited to, the handwritten and/or typed Uniform Residential Loan Application and any and all appraisals. The fact that final approval of the Application is solely within the discretion of LENDER shall not be used as a defense to a claim that the BROKER has breached any part of this AGREEMENT or that BROKER has submitted false or inaccurate information in the Loan Package and supporting documentation, including, but not limited to, the Uniform Residential Loan Application, and any and all appraisals. 5. UNDERWRITING OF LOANS: LENDER shall have the right, but not the obligation, to underwrite any Loan submitted for funding pursuant to this AGREEMENT. Loan underwriting approval decisions shall be made exclusively by LENDER in LENDER s sole discretion, in accordance with LENDER s approval criteria then in effect. However, the exercise of this right by LENDER to underwrite the Loan shall not affect BROKER s obligations hereunder in any way, including, without limitation, BROKER s repurchase obligations under Section 16 hereof and BROKER s indemnification obligations under Section 14 hereof. LENDER will have no liability whatsoever to BROKER for the underwriting of any Loan or for the failure by LENDER to underwrite any Loan. BROKER understands that LENDER routinely conducts quality control audits to re-verify income/deposits information, credit documentation, and appraisals submitted by BROKER. BROKER understands employment is verified verbally and/or in writing on all Loan programs offered by LENDER. BROKER understands that any discrepancies found by LENDER during quality control and verbal audits are grounds for immediate cancellation of this AGREEMENT, possible notification to applicable state and government agencies, and a breach of Section 12 below. 6. CLOSING OF LOANS: All Loans shall close in LENDER s name or in a fictitious business name of LENDER. 7. NOTIFICATION OF ACTION: LENDER shall notify BROKER electronically of the conditional loan approval ( Conditional Loan Approval ) suspension, or rejection of each completed Loan Package. For each Loan conditionally approved by LENDER, LENDER shall fund the Loan provided that all conditions precedent are satisfied and all documentation as required by LENDER is submitted. With respect to each Loan funded by LENDER, BROKER agrees to submit in a timely manner all documentation required by LENDER to sell each Loan in the Secondary Market and will use reasonable efforts to furnish all documents required by the purchaser of Loan in the Secondary Market (the Investor ), even if not requested by LENDER at the time of funding. 8. BROKER COMPENSATION: No origination fee shall be owed to BROKER by LENDER on account of any Loan which is not closed and funded by LENDER. At closing and subject to subsections 8.a-b below, any fee, commission, or other consideration payable to BROKER shall be paid after LENDER deducts from net proceeds all of its fees and charges. a. In the event that LENDER, at its option and sole discretion, determines BROKER has breached any term of this AGREEMENT, LENDER may withhold payment of funds due to BROKER for any Loan that LENDER is funding or is about to fund if the amounts due to BROKER under this Section 8 have not yet been paid. Such funds will be placed in a separate Escrow Account until such time LENDER and BROKER have settled LENDER s claim that BROKER has breached this AGREEMENT. b. All BROKER compensation shall be disclosed to the Borrower as required by Applicable Laws including but not limited to Regulation Z. 9. FAILURE TO SUPPLY A COMPLETE LOAN PACKAGE: In the event that BROKER fails to supply LENDER with any documentation requested by LENDER with respect to any Loan Package within 30 calendar days, LENDER shall have the option, at its sole and absolute discretion, to: Broker Agreement (9-10-15) Initial Page 3 of 10 New American Funding 14511 Myford Road, Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. September. 2015)

a. Commit to make the Loan on the basis of the documentation provided; b. Commit to make the Loan subject to delivery by Borrower or BROKER to LENDER of such documentation as LENDER specifies in writing at the time such commitment is made; or c. Reject the Application. 10. USE OF APPROVED VENDORS: BROKER shall not utilize any real estate appraiser, credit reporting agency or other vendor in connection with the preparation or submission of any Loan Package that is not acceptable to LENDER. In the event that BROKER uses any vendor that is not acceptable to LENDER, LENDER may reject the Loan Package in accordance with Section 9 above. In accordance with applicable federal and state law including, without limitation, TILA, and Fannie Mae and Freddie Mac s Appraisal Independence Standards, and the requirements and guidelines of LENDER, all appraisals must be ordered from LENDER s approved Appraisal Management Company as published on LENDER s website. 11. AUTHORIZATION TO OBTAIN BUSINESS CREDIT REPORT: BROKER authorizes LENDER to obtain a business and individual credit report with respect to BROKER upon execution of this AGREEMENT and, from time to time thereafter, as deemed necessary or appropriate by LENDER. BROKER acknowledges and agrees that in the course of its business, LENDER conducts quality control audits of Loan Packages. LENDER shall have the right to review the files of BROKER related to Loan Packages submitted to LENDER during BROKER s normal business hours. 12. BROKER S ADDITIONAL COVENANTS, REPRESENTATIONS, AND WARRANTIES: BROKER represents and warrants to LENDER, as of the making of this AGREEMENT, and covenants with lender that as of (1) the time any Loan Package is submitted to LENDER; and (2) the time the Loan is closed and funded, that: a. Organization: BROKER is and shall remain duly organized, validly existing and in good standing under the laws of the jurisdiction of its formation and (i) is authorized to transact business and is in good standing under the laws of each jurisdiction in which it serves as a broker and in each jurisdiction in which Secured Properties are located; (ii) has full power and authority to broker Loans and to execute, deliver and perform its obligation under this AGREEMENT; and (iii) has duly authorized the execution, delivery and performance of this AGREEMENT by all requisite action. b. Ordinary Course of Business: The consummation of the transactions contemplated by this AGREEMENT are in BROKER s ordinary course of business and will not result in: (i) a breach of any term or provision of the charter or bylaws or operating agreement of BROKER; (ii) a breach of any term or provision of, conflict with, or constitute a default under any agreement to which BROKER or its property is subject; or (iii) a violation of any law, rule, regulation, order, judgment or decree to which BROKER or its property is subject. c. Licensing: BROKER is and shall remain the holder of a valid mortgage brokerage or other applicable license issued by each state in which the BROKER conducts business and possesses all necessary licenses, permits, registrations and authority to engage in the mortgage brokerage activity described in this AGREEMENT. With respect to each mortgage brokerage license held by BROKER, BROKER and all production personnel of BROKER are and shall remain registered and licensed with the Nationwide Mortgage Licensing System ( NMLS ) according to the federal Secure And Fair Enforcement for Mortgage Licensing Act of 2008, as amended, and applicable state law. BROKER shall maintain all such licenses in good standing throughout the term of this AGREEMENT. BROKER shall retain on file with LENDER current copies of all such state and NMLS Licenses and shall immediately notify LENDER if any licenses or registrations held by BROKER are suspended, revoked, terminated or otherwise expired. d. Broker Approval: All of the statements, information and documentation submitted by BROKER to LENDER in connection with BROKER s application to become an approved broker, including any statements, information and documentation submitted by BROKER in connection with periodic renewals or recertification of BROKER s approval are and shall remain true, correct and complete in all material respects. e. Authority: This AGREEMENT and all actions provided for herein have been duly authorized by BROKER s Board of Directors, if BROKER is a corporation, or by such individuals empowered and authorized to enter into agreements on behalf of BROKER, BROKER shall provide LENDER with evidence reasonably satisfactory to LENDER of such authorization. The performance of BROKER s duties under this AGREEMENT do not violate the provisions of BROKER s organizational documents, Broker Agreement (9-10-15) Initial Page 4 of 10 New American Funding 14511 Myford Road, Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. September. 2015)

any agreement to which it may be a party or any court order, judgment or decree to which it may be subject. f. Absence of Claims: Except as previously disclosed by BROKER to LENDER in writing, there is no pending or, to the best of BROKER s knowledge, any threatened suit, action, arbitration, or legal administrative, or other proceeding or governmental investigation (including an allegation of fraud by another lender) against BROKER or its current or former owners, agents, or employees which could have a material adverse effect on the BROKER s business, assets, financial condition, operations or reputation. BROKER shall notify LENDER of any such occurrence. g. Loan Estimates: BROKER shall timely and accurately represent to LENDER the date BROKER first received each TRID Application. BROKER shall timely and accurately represent to LENDER whether or not BROKER has provided any Loan Estimate to applicant related to the submitted TRID Applications. BROKER shall not provide consumers with Loan Estimate disclosures bearing the name of LENDER. BROKER shall provide all applicant information and credit history known to BROKER to LENDER within 24 hours of receipt of a TRID Application. If BROKER provides a Loan Estimate to a consumer, BROKER shall accurately represent to LENDER the date on which the Loan Estimate was provided and the means of delivery (face-to-face, mail, electronic delivery, overnight courier, etc.). BROKER shall not provide a Loan Estimate to any consumer on a transaction after LENDER has provided any consumer on the same transaction either a Loan Estimate or a Closing Disclosure. h. Closing Disclosures: BROKER shall not provide a Closing Disclosure to any consumer on a transaction submitted to LENDER. BROKER shall notify LENDER within one day of any other wholesale lender delivering a Closing Disclosure to any consumer on a transaction where BROKER submitted the Application to LENDER and the other wholesale LENDER. i. BROKER Affiliates: BROKER shall not order services from any affiliated settlement service provider without first obtaining written authorization to do so from LENDER. j. Electronic Delivery of Consumer Disclosures: BROKER shall not deliver any consumer disclosures to consumers by electronic delivery without insuring that BROKER is in compliance with the Electronic Signatures in Global and National Commerce Act, 15 USC 7001 et. Seq. (the E-Sign Act ) and applicable state laws, if any. BROKER shall accurately represent to LENDER the date each consumer electronically acknowledged his or her capacity and willingness to receive electronic delivery of consumer disclosures from BROKER pursuant to the E-Sign Act. k. False Statements in Loan Package: BROKER covenants that (i) all information contained in any Application and Loan Package, and any other information submitted to LENDER by BROKER during the term of this AGREEMENT is true and correct and shall not be altered or modified by BROKER; (ii) BROKER shall have no knowledge of and shall not have concealed any information which would adversely or materially affect LENDER S decision to fund the Loan submitted by BROKER or which would otherwise cause the Loan to be considered not of investment quality; and, (iii) no misleading or fraudulent information shall be submitted to LENDER in connection with a loan. l. Borrower s Authorization: BROKER shall have received written authorization from the Borrower to submit the Loan Package to the LENDER and to obtain and verify Borrower s credit information and all other information contained in the Loan Package. m. Conflict of Interest: Except as otherwise disclosed to LENDER in writing before the submission of any Loan Package, BROKER shall have no direct or indirect ownership interest or financial interest in any Secured Property or in any title company, escrow company, appraisal company, notary, or any other settlement service provider that is providing settlement services on a Loan; nor shall BROKER have any financial interest, whether evidenced by ownership or debt, in any Secured Property at any time prior to funding of the Loan by LENDER except with the prior written approval by LENDER, and shall not have any financial or other connection to the Seller of the Secured Property in the case of Loans sought by Borrowers who are buying the Secured Property. n. Compliance With Laws: With respect to its advertising practices and with respect to each Loan submitted by BROKER and funded by LENDER, BROKER shall comply with all federal, state and local laws and regulations applicable to it as a mortgage broker, including, but not limited to, the Real Estate Settlement Procedures Act of 1974, as amended; the Mortgage Disclosure Improvement Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, HUD Handbooks and Mortgagee Letters including, without limitation, HUD Handbook 4060.1 REV-2, and subsequent revisions, the Truth In Lending Act, Regulation Z and all other applicable local, state and federal laws and regulations. Broker Agreement (9-10-15) Initial Page 5 of 10 New American Funding 14511 Myford Road, Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. September. 2015)

BROKER agrees to comply with all applicable consumer privacy laws (any and all federal, state and local statues, regulations and rules applicable to the protection and privacy of consumer information, including but not limited to the privacy provisions of the Gramm-Leach-Bliley Act, 15 13U.S.C. 6801 et seq.) (the Privacy Requirements ) and implementation of appropriate measures designed to safeguard customer information, and shall maintain same at all times. BROKER shall not disclose any customer information to any person or entity, other than the employees, agents, contractors and affiliates of BROKER or LENDER who have a need to know such information. BROKER shall immediately notify LENDER if there is a breach of its security related to any Applications or Loans. o. Validity and Control of Documents: All documents submitted to LENDER are and shall be in every respect valid and genuine, being what on their face they purport to be and all information (credit or otherwise) submitted in connection with each such Loan Package is true and accurate. Except where Borrower has been asked to submit any loan documents directly to BROKER, no Borrower shall have had in its direct or indirect possession or control any completed credit, income, employment or deposit verification document submitted to LENDER with respect to any Loan. p. Record Retention: At all times during the term of this AGREEMENT and for a minimum of thirty-six (36) months thereafter, BROKER shall maintain a complete set of files and records of all business activities and operations conducted by BROKER under this AGREEMENT. Such files and records shall be maintained by BROKER at a reasonably accessible location in a neat, orderly and organized manner, for a period of not less than thirty-six (36) months from and after the Closing Date of each Loan or BROKER s final activity on an Application, unless a longer period is required by applicable law. At all times during the term of this AGREEMENT and at all times during the thirty-six (36) month period following expiration or termination of this AGREEMENT, LENDER, its duly authorized agents, representatives and employees, any necessary party involved in any public offering (such as rating agencies) and federal and state regulatory agencies which supervise LENDER shall have a right, upon reasonable notice, to audit, inspect and copy any of the foregoing records, reports, files, and related materials of BROKER, and BROKER shall cooperate and assist in any such audit or inspection. q. Sale of Loans: BROKER shall have no knowledge of any circumstances or conditions with respect to any Loan, Secured Property, security instrument or mortgagor s credit standing that can be reasonably expected to cause any governmental, quasi-governmental or private institutional investors to regard any Loan as an unacceptable investment, cause any Loan to become delinquent, or adversely affect the value of the security or marketability of the Loan. r. Examination Findings and Enforcement Actions: BROKER shall immediately notify LENDER of any adverse findings revealed by any Regulatory or Market Participant examination of loans originated by BROKER that were submitted to and disclosed by or funded by LENDER. BROKER shall also immediately notify LENDER of any Regulatory or Market Participant enforcement action taken against BROKER, whether or not such action is related to loans submitted to or funded by LENDER. For purposes of this paragraph, Regulatory means any act performed by any federal, state or local regulator; Market Participant means any wholesale lender, secondary market investor, Fannie Mae, Freddie Mac, FHA, VA, Ginnie Mae, warehouse lender, certified public accounting firm, or other business associate, whether or not in privity of contract with BROKER; and Examination means any on-site or off-site review, hearing, adjudication, required self-assessment, third party audit, or other similar proceeding. s. BROKER, Control Person, and Branch Manager Attestations: BROKER shall promptly notify LENDER of any change to attestations made under BROKER s license filings with the NMLS related to its license to make or BROKER mortgage loans. BROKER shall also promptly notify LENDER of any change to attestations of control persons, qualified individuals, or branch managers. For purposes of this paragraph, promptly generally means within ten days of notifying the NMLS, however, in no case later than five days greater than the NMLS required timeframe. 13. EARLY PAYOFF: With respect to each Loan submitted by BROKER and funded by LENDER, should the Loan be prepaid in full, other than by a refinancing by LENDER, within one hundred twenty (120) days after the applicable Closing Date, BROKER shall pay to LENDER upon demand the amount of any compensation earned by BROKER, whether in the form of Lender Paid Compensation (LPC) or Borrower Paid Compensation (BPC) or any other fees earned by BROKER. LENDER may agree, from time to time, at its sole discretion, to allow the refinance of a Loan previously funded by LENDER from the same BROKER prior to the 120 day exclusionary period and, if approved by LENDER specifically after advance notice is provided by BROKER at the time of submission, then BROKER shall retain the Lender Paid Compensation on the Broker Agreement (9-10-15) Initial Page 6 of 10 New American Funding 14511 Myford Road, Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. September. 2015)

Loan. 14. BROKER S INDEMNIFICATION: BROKER shall indemnify, defend and hold LENDER and its shareholders, directors, officers, agents, employees, successors and assigns harmless from and against, and shall reimburse the same with respect to any and all loss, damage, liability, costs, and expenses, including, attorneys fees, from any cause whatsoever, including, but not limited to: a. Any breach of any covenant, representation or warranty contained in Section 12 above; b. BROKER s failure to perform any obligation set forth in this AGREEMENT; or c. Any claim by a Borrower resulting from LENDER s failure or refusal to fund a loan (collectively, a Loss ). Without limiting the generality of the foregoing, LENDER s right to indemnification from BROKER shall extend to all repurchase or indemnification demands by any third party to which LENDER has sold any Loan originally submitted to LENDER by BROKER, for any cause whatsoever. BROKER s obligation to indemnify LENDER under this AGREEMENT shall arise upon: (i) LENDER s written notification to BROKER that a Loss has occurred; or (ii) automatically upon LENDER s receipt of repurchase notification from an investor, which LENDER may deem at its sole discretion to be enforceable, even if LENDER has not incurred any Loss with respect to such Loan. 15. LENDER s RIGHTS: BROKER s obligation to fully indemnify LENDER under Section 14 shall not be affected by LENDER s taking any of the following actions with or without notice to the BROKER. a. Liquidation, repayment, retirement, sale or resale of any Loan; b. Foreclosure of any Loan, including, without limitation, LENDER s acquisition of the Secured Property by making a full credit bid at such foreclosure sale; or c. Sale or resale of the Secured Property. BROKER agrees that LENDER may, at its option, deduct from any compensation due BROKER, any moneys paid by LENDER on behalf of BROKER, or due LENDER based upon the failure of BROKER to perform under the terms of this AGREEMENT. 16. REPURCHASE: With regard to any Loan which has been closed and funded by LENDER, in the event BROKER breaches any covenant, representation or warranty contained in Section 12, or in the event of a repurchase or indemnification demand from an Investor for any cause, which LENDER determines in its sole and absolute discretion to be enforceable under a purchase and sale agreement with the Investor, regardless of whether LENDER has incurred any Loss with respect to such Loan, BROKER agrees, as determined by LENDER in its sole discretion, to: (i) repurchase the Loan immediately upon written demand for the repurchase amount described in Section 17, (ii) refinance the Loan at par plus accrued interest and pay any loss, costs or damages incurred by LENDER, and/or (iii) indemnify LENDER pursuant to Section 14. BROKER agrees that with any breach of this Section 16, LENDER shall, inter alia, be entitled to seek and obtain equitable relief by way of specific performance, or otherwise to enforce BROKER s repurchase or indemnification obligations hereunder. 17. REPURCHASE AMOUNT: Any Loan repurchase pursuant to this AGREEMENT shall be priced as follows: a. the original principal amount of the Loan, less principal payments received by LENDER and/or the Investor; plus b. all interest accrued but unpaid on the principal balance of the Loan from the date of funding by LENDER through and including the first day of the month following the month the repurchase is made; plus c. the servicing release fee, or any other fee in excess of par, paid to BROKER at the time of funding; plus d. all costs and expenses incurred by LENDER in connection with origination, processing and funding of the Loan; plus e. all costs and expenses incurred by LENDER, or its successor with regard to the Loan, in connection with the servicing of the Loan, including but not limited to all reasonable inspection, repair, taxes, utilities, insurance, and attorneys fees and costs from any default, bankruptcy, quiet title, collection, foreclosure, or other actions or defenses; plus Broker Agreement (9-10-15) Initial Page 7 of 10 New American Funding 14511 Myford Road, Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. September. 2015)

f. all costs and expenses incurred by LENDER in enforcing BROKER s obligation to repurchase the Loan, including, without limitation, reasonable attorneys fees and costs of suit. 18. TERMINATION OF AGREEMENT: Either party may terminate this AGREEMENT at any time, upon written notice to the other party; provided, however, that any termination of this AGREEMENT shall not affect; a. LENDER s obligation to pay any amounts due BROKER under this AGREEMENT; or b. The obligations of BROKER with respect to Loans already funded by LENDER pursuant to this AGREEMENT, including, without limitation, the obligation of BROKER to indemnify and hold LENDER harmless from and against any Loss pursuant to Section 14 hereof, the obligation of BROKER under Section Error! Reference source not found., and to repurchase a Loan from LENDER pursuant to Section 16 herein. 19. NOTICE OF CERTAIN MATTERS: BROKER hereby covenants and agrees with LENDER that BROKER shall promptly give written notice to LENDER of: a. the occurrence of any breach of a covenant, representation, or warranty as set forth in Section 12 hereof; b. any litigation or proceeding affecting BROKER involving amounts in the case of any such individual litigation, investigation or proceeding in excess of One Thousand ($1,000) Dollars, or which, regardless of the amount in controversy, if adversely determined, could have a material adverse effect on the business, operations, property of financial or other conditions of BROKER or the ability of BROKER to perform its obligations hereunder; c. receipt by BROKER of notice from any agency concerning revocation, suspension or any other adverse action or potential action relating to any BROKER s licenses to conduct its business; and d. a material adverse change in the business, operations, property or financial or other condition of BROKER; and e. any change in (i) the ownership structure of, or controlling interests in, BROKER; (ii) the BROKER s broker of record for licensing purposes; or (iii) BROKER s name, address or employer tax identification number. f. any change in BROKER s control or interests in any settlement service provider as that term is defined by the Real Estate Settlement Procedures Act. Any notice required by this Agreement or given in connection with it, shall be in writing and shall be deemed to have been given, made and received only (i) upon delivery, if personally delivered to a party; (ii) One (1) business day after deposit, if delivered by email to a valid email address or by a nationally recognized courier service offering guaranteed overnight delivery; or (iii) Three (3) business days after deposit, if delivered in the United States via certified mail, postage prepaid, return receipt requested, at the address appearing below. given to the appropriate party by personal delivery, certified mail (postage prepaid), recognized prepaid overnight delivery services, or by email with a copy by first class mail. If to LENDER: Name: New American Funding Address: 14511 Myford Road, Suite 201 City, St, Zip: Tustin, CA 92780 Attn: Wholesale Executive Management Email: Wholesale@nafinc.com cc: Compliance Department Email: Compliance@nafinc.com If to BROKER: Name: Address: City, St, Zip: Attn: Email: cc: Email: 20. MISCELLANEOUS: a. Governing Law: This AGREEMENT is entered into at Orange County, California and all disputes arising under, relating to, or in connection with this Agreement shall be governed by the laws of the State of California. Broker Agreement (9-10-15) Initial Page 8 of 10 New American Funding 14511 Myford Road, Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. September. 2015)

b. Default: A default under the terms of this AGREEMENT occurs upon: (i) BROKER s failure to comply with any covenant, condition, obligation and/or agreements applicable to it hereunder; (ii) BROKER s breach of any representation or warranty made by it herein; (iii) the commencement against BROKER of any insolvency, bankruptcy or similar proceeding; or (iv) a decree or order of an appropriate court, agency or supervisory authority is entered against BROKER for the appointment of a conservator, receiver or liquidator. c. Attorneys Fees: If any legal action or other proceeding is brought for the enforcement of any provision of this AGREEMENT, or because of an alleged dispute, breach, default, or misrepresentation in connection with any of the provision of this AGREEMENT, the prevailing party or parties shall be entitled to reasonable attorney s fees and other costs incurred in that action or proceeding, in addition to any other relief to which it or they may be entitled. In addition, any such suit or proceeding shall be brought only in the state courts located in Orange County, State of California, which courts shall have sole and exclusive in personam, subject matter and other jurisdiction in connection with such suit or proceedings, and venue shall be appropriate for all purposes in such courts. d. Assignment and Delegation: BROKER may not assign or delegate its interests or obligations under this AGREEMENT without the express prior written consent of the LENDER and any purported assignment or delegation is void. LENDER may, at its sole discretion, assign or delegate this AGREEMENT to another party, without prior consent of BROKER. e. Entire Agreement: This AGREEMENT constitutes the entire agreement between the Parties and supersedes all prior and contemporaneous agreements, representations and understandings. No supplement, modification, or amendment shall be binding unless executed in writing by both Parties hereto. This AGREEMENT applies to all present and future Loans, as well as those Loans previously submitted to or closed by LENDER. f. Waivers and Remedies: Failure to delay to audit any Loan or to exercise any right shall not act as a waiver of any other right, nor shall any single or partial exercise of any right preclude any other or further exercise thereof. No waiver of any of the provisions of this AGREEMENT shall be deemed, or shall constitute, a waiver of any other provisions, whether or not similar, nor shall any waiver constitute a continuing waiver. No waiver shall be binding unless executed in writing by party making the waiver. All remedies shall be cumulative and non-exclusive. g. Severability: If any provision of this AGREEMENT is held to be invalid, void, or unenforceable, the remaining provisions shall nevertheless continue in full force and effect. h. Arbitration: LENDER may require that any dispute, controversy, or claim arising out of, relating to, or connected with this AGREEMENT, including any question regarding its existence, validity, or termination, as well as any challenge to the tribunal s jurisdiction, be finally settled by a single arbitrator under the then-current commercial arbitration rules and supplementary procedures for commercial arbitration of the American Arbitration Association ( AAA ). The place of arbitration will be Orange County, California. Arbitration will be conducted by an arbitrator selected by mutual agreement of the Parties, or failing such agreement, selected according to AAA rules. Judgment upon any arbitrator s award may be entered in any court of competent jurisdiction. The Parties hereby consent to such court s jurisdiction. The existence and content of the arbitral proceedings and any rulings or award shall be kept confidential except (i) to the extent that disclosure may be required of a party to fulfill a legal duty, protect or pursue a legal right, or enforce or challenge an award in bona fide legal proceedings before a state court or other judicial authority, or (ii) with the written consent of all parties. Notwithstanding anything to the contrary, either party may disclose matters relating to the arbitration or the arbitral proceedings where necessary for the preparation or presentation of a claim or defense in such arbitration. The arbitrator may award his/her costs and expenses, including attorneys fees, to the prevailing party, if any, and as determined by the arbitrator in his/her discretion. The arbitrator shall have no authority to directly or indirectly award any form of consequential damages, as such damages have been waived by the parties to this AGREEMENT. Such prohibited damages include lost profits; loss of productivity; lost opportunity; or any other indirect losses arising from the conduct of the Parties to this AGREEMENT. Broker Agreement (9-10-15) Initial Page 9 of 10 New American Funding 14511 Myford Road, Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. September. 2015)

i. Insurance: Upon the request of LENDER, BROKER shall, at its sole cost and expense, obtain such miscellaneous professional liability or errors and omissions insurance in such amounts and with such companies as LENDER may request. Said insurance shall name LENDER as an additional insured and shall provide LENDER with thirty (30) days prior written notice of cancellation or termination. IN WITNESS HEREOF, The Parties have executed this AGREEMENT as of the date first stated in the preamble above. BROKER: dba: LENDER: BROKER Solutions Inc. dba New American Funding Address: Address: 14511 Myford Road, Suite 201 Tustin, CA 92780 Telephone: Telephone: 877.999.0799 NMLS Number: NMLS Number: 6606 Expiration Date: By: (Signature of OWNER) Date: By: LENDER Acknowledgement Signature Date: (Print Name) (Title) (Print Name) By: (Authorized BROKER of Record) (Print Name) (Title) Broker Agreement (9-10-15) Initial Page 10 of 10 New American Funding 14511 Myford Road, Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. September. 2015)

BROKER COMPENSATION ADDENDUM This New American Funding Broker Compensation Addendum ( Addendum ) is entered into this day of, 20 ( Effective Date ), by and between ( Broker ) and Broker Solutions Inc., a California Corporation doing business as New American Funding, unless operating under its current name (hereinafter referred to as New American Funding and/or Lender ), and hereinafter collectively referred to as party or parties. Broker will be compensated by New American Funding in accordance with the requirements under the Truth in Lending Act ( TILA )(15 USC 1601 et seq.) and its implementing Regulation Z Section 226.36, as well as all applicable federal, state and local laws and regulations. This Addendum constitutes the entire agreement between the parties with respect to the Broker s compensation as of the Effective Date stated above. A. Source of Compensation. For every Mortgage Loan transaction submitted to New American Funding, the Broker must choose the source of Broker compensation from the following options: 1) Lender Paid Compensation; or 2) Borrower Paid Compensation. Broker will inform New American Funding of the Broker s choice for the source of compensation by checking the box corresponding to either Borrower Paid Compensation OR Lender Paid Compensation on the initial submission form at time of submission. B. Lender Paid Compensation. Lender Paid Compensation is Broker compensation paid by the Lender to the Broker. When the Lender pays the Broker s compensation, the Broker will be paid according to the Lender Paid Compensation Plan in place as of the Effective Date, notwithstanding any subsequent changes to the Broker s compensation plan after rate lock and prior to loan closing. Broker must select a Lender Paid Compensation Plan by checking the appropriate box(es) below. The Broker may select a Lender Paid Compensation Plan with a percentage beginning at three quarters of one percent (0.75%) and which is available in increments of one quarter of one percent (0.125). Broker s compensation will be paid by the Lender, and shall be based on the option selected below. If Broker does not select a Lender Paid Compensation Plan below, New American Funding will use default Lender Paid Compensation Plan chosen by New American Funding, in its sole discretion, and which will remain effective until Broker selects a Lender Paid Compensation Plan. Please select one of the following Broker compensation levels: Plan A - 0.750% Plan B - 0.875% Plan C - 1.000% Plan D - 1.125% Plan E - 1.250% Plan F - 1.375% Plan G - 1.50% Plan A1-0.750% with $500 Flat Fee Plan B1-0.875% with $500 Flat Fee Plan C1-1.000% with $500 Flat Fee Plan D1-1.125% with $500 Flat Fee Plan E1-1.250% with $500 Flat Fee Plan F1-1.375% with $500 Flat Fee Plan G1-1.500% with $500 Flat Fee Continued on page 2 Broker Compensation Addendum Initial Page 1 of 5 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Oct. 2014)

Plan H - 1.625% Plan I - 1.750% Plan J - 1.875% Plan K - 2.000% Plan L - 2.125% Plan M - 2.250% Plan N - 2.375% Plan O - 2.500% Plan P - 2.625% Plan Q - 2.750% Plan R - 2.875% Plan H1-1.625% with $500 Flat Fee Plan I1-1.750% with $500 Flat Fee Plan J1-1.875% with $500 Flat Fee Plan K1-2.000% with $500 Flat Fee Plan L1-2.125% with $500 Flat Fee Plan M1-2.250% with $500 Flat Fee Notwithstanding the Lender Paid Compensation Plan selected above, Broker may choose a maximum dollar amount compensation if desired by checking this box and selecting a dollar amount below. If this box is checked, Broker understands and acknowledges that compensation on any Mortgage Loan submitted may not exceed this threshold provided, however, the Maximum Dollar Amount Compensation cannot exceed the Lender s Limit. Maximum compensation per loan: $7,500 $10,000 $12,500 $15,000 $17,500 $20,000 Brokers with branches in multiple states may choose a different level of Lender Paid Compensation based on the additional costs to operate branches in each state location. However, Broker's compensation must be set at the same Compensation Plan Level for every branch located in any given state. Please check this box and complete Exhibit 1 to the Broker Compensation Addendum if this applies. For a Lender Paid Compensation transaction, the Broker compensation amount cannot vary per loan transaction. New American Funding cannot pay the Broker any more or any less than the amount agreed upon in this Addendum unless otherwise restricted by product, which from time to time may be modified by Lender and described on rate sheets provided by Lender, and subject to the Lender's limit. Notwithstanding, Lender Paid Compensation may not exceed Broker's selection in this section. In a Lender Paid Compensation transaction, Broker agrees that Broker cannot reduce Broker s own compensation or offer credits towards third-party closing costs that will result in a reduction of the Broker s compensation. By choosing the Lender Paid Compensation Plan, Broker may not receive any compensation from the consumer or from any other party, person or entity, regardless of whether such compensation is paid at closing or outside of escrow. Broker certifies that when compensation is paid by Lender with respect to each Mortgage Loan transaction, such amount is and will be Broker s sole source of compensation. C. Borrower Paid Compensation. Borrower Paid Compensation is Broker compensation paid by the Borrower to the Broker from the Borrower s own funds or loan proceeds, or from any other source on behalf of the Borrower. Borrower Paid Compensation may include seller concessions. Broker Compensation Addendum Initial Page 2 of 5 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Oct. 2014)

Borrower Paid Compensation is negotiated by the Broker directly with the Borrower and may vary on each individual Mortgage Loan transaction. Under a Borrower Paid Compensation transaction, the Broker can reduce its compensation or offer credits toward third-party closing costs. New America Funding will not be responsible nor a party to any Broker negotiations with the Borrower in a Borrower Paid Compensation transaction. By choosing to be compensated by the Borrower, the Broker may not receive any compensation directly or indirectly from any other person or entity regardless of whether such other compensation is paid through closing or outside of escrow. D. Compensation Limits. Regardless of whether the Broker has chosen to be paid by either Lender Paid Compensation or Borrower Paid Compensation, Broker compensation will not exceed any applicable federal, state and/or local high-cost loan limitations. E. Third Party Costs. In a Mortgage Loan transaction in which the Broker has selected Lender Paid Compensation (the Lender Paid Transaction ), the Lender shall be the only person or entity which shall pay the Broker compensation based on Section B above. In a Lender Paid Transaction, a Borrower may choose a higher interest rate to cover the third-party closing costs only. Any excess amounts remaining after the payment of third-party closing costs shall be returned to the Lender. None of the excess amounts may be paid to the Broker as compensation. F. Dual Compensation Prohibited. Broker understands and agrees that Broker compensation received from both the Borrower and any person or entity other than the Borrower (including the Lender) for the same transaction is prohibited. G. Changes to Lender Paid Compensation Plan. Both parties agree that changes or revisions of the Lender Paid Compensation Plan will be made as follows: 1) Change of Compensation Level Frequency. a) Broker may choose from time to time to change the Lender Paid Compensation Plan as follows: 1) The initial Lender Paid Compensation Plan Level must remain in force for a minimum of thirty (30) days from date of selection. At that time, the Broker may select a new Plan Level. If a Broker has branches in multiple states, a new Exhibit 1 to the Broker Compensation Addendum must be completed should Broker wish to change plans in each state. To request a change, please complete a "Lender Paid Compensation Plan Change Request" form. 2) After the initial thirty (30) day period, the Broker may choose to change the Lender Paid Compensation Plan every ninety (90) days from the last date of change. To request a change, please complete a "Lender Paid Compensation Plan Change Request" form. b) No Change Election. If Broker chooses not to change the initial Lender Paid Compensation Plan selected in Section B. above, or does not elect to change in subsequent periods when eligible, then the initial selection in Selection B, or any subsequent change set forth in the most recent Lender Paid Compensation Plan Change Request form, will remain in full force until changed by the Broker s duly authorized agent. H. Compensation Plan Administrator. Broker will designate one person to be the Compensation Broker Compensation Addendum Initial Page 3 of 5 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Oct. 2014)

Plan Administrator ( Administrator ). The Administrator will be the person with the sole authority to select and change the Broker s Compensation Plan on behalf of Broker. The Broker hereby designates the following person as the Administrator and their primary email address is included below: Print name: Title: Primary Email: The Broker may change the designated Administrator by providing New American Funding with written notice signed by the Broker of Record. I. Anti-Steering Disclosure. In accordance with Regulation Z Section 226.36(d) and (e), which implements TILA, Mortgage Lenders are prohibited from steering Borrowers to accept a Mortgage Loan based solely on the fact that the loan originator will receive greater compensation for arranging a Mortgage Loan unless the transaction is in the Borrower s interest. For each Mortgage Loan submitted by the Broker to New American Funding, regardless of whether the compensation source is Borrower Paid or Lender Paid, the Broker must provide to the Borrower a Loan Options Disclosure which describes the options ( Loan Options ) that must be presented to the Borrower for each type of Mortgage Loan in which the Borrower expresses an interest. The types of Mortgage Loan for which the Broker is required to disclose Loan Options if the Borrower expresses an interest are fixed-rate, adjustable rate and reverse Mortgage Loans. The Loan Options Disclosure must include a notice and acknowledgement by a representative of the Broker that the following have been offered to the Borrower for each type of Mortgage Loan in which the Borrower has expressed an interest: 1) The loan with the lowest interest rate; 2) The loan with the lowest interest rate without certain specified features such negative amortization, prepayment penalty, interest-only payments, a balloon payment within the first seven years of the loan, a demand feature, shared equity or shared appreciation, or in the case of a reverse mortgage, a loan without a prepayment penalty, shared equity or shared appreciation ; and 3) The loan with the lowest total dollar amount for origination points or fees and discount points. The Broker must obtain Loan Options from three of more Mortgage Lenders with which the Broker regularly and currently does business. In the event that the Broker does not do business with three or more Mortgage Lenders, the Loan Options must be obtained from those Mortgage Lenders with which the Broker does business. With regard to the Loan Options presented to the Borrower in the Disclosure, the Broker represents that he or she has a good faith belief that the Borrower likely qualifies for each one. The Broker can present more than three Loan Options to the Borrower provided that the Broker highlights the three Loan Options which satisfy the criteria above. For ARM Loans, the lowest interest rate is determined by the fully-indexed rate at closing without regard for discounts or premiums. Broker Compensation Addendum Initial Page 4 of 5 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Oct. 2014)

The Loan Options Disclosure must be acknowledged by a representative of the Broker and included in the loan file at loan submission. J. Payment of Loan Officers. Broker shall be solely responsible for the payment of compensation to its loan officers. Broker agrees that all compensation paid by Broker to Broker s loan officers must be in compliance with all of the requirements of TILA and Regulation Z, the LO Compensation Rules as well as all applicable federal, state and local laws and regulations. K. Conflicts. This Addendum supersedes all prior broker compensation addendums between the parties and constitutes the entire agreement between the parties with respect to the Broker s compensation as of the Effective Date stated above and may not be contradicted by evidence of prior or contemporaneous oral agreements between the parties. There are no oral agreements between the parties with respect to the subject matter of this Addendum. In the event of a conflict among any terms contained in this Addendum and the New American Funding Broker Agreement ( Agreement ), this Addendum shall control. All other terms in the Agreement not in conflict with this Addendum shall remain in full force and effect. L. Counterparts. This Addendum may be executed in counterparts. Each counterpart shall be deemed an original, and all counterparts shall be deemed the same instrument with the same effect as if all parties had signed the same signature page. IN WITNESS WHEREOF, the parties hereto have executed this Addendum as of the date first written above. BROKER NEW AMERICAN FUNDING (Name of Company) (Signature of Broker of Record) (Signature) (Name of Authorized Representative) (Print Name of Broker of Record) (Company s Tax Identification Number) (Broker Identification Number) Broker Compensation Addendum Page 5 of 5 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Oct. 2014)

EXHIBIT 1 TO BROKER COMPENSATION ADDENDUM State Plan Level Max Comp. Plan A - 0.750% Plan A1-0.750% with $500 Flat Fee $7,500 Plan B - 0.875% Plan B1-0.875% with $500 Flat Fee $10,000 Plan C - 1.000% Plan C1-1.000% with $500 Flat Fee $12,500 Plan D - 1.125% Plan D1-1.125% with $500 Flat Fee $15,000 Plan E - 1.250% Plan E1-1.250% with $500 Flat Fee $17,500 Plan F - 1.375% Plan F1-1.375% with $500 Flat Fee $20,000 Plan G - 1.50% Plan H - 1.625% Plan I - 1.750% Plan G1-1.500% with $500 Flat Fee Plan H1-1.625% with $500 Flat Fee Plan I1-1.750% with $500 Flat Fee Plan J - 1.875% Plan J1-1.875% with $500 Flat Fee Plan K - 2.000% Plan K1-2.000% with $500 Flat Fee Plan L - 2.125% Plan L1-2.125% with $500 Flat Fee Plan M - 2.250% Plan M1-2.250% with $500 Flat Fee Plan N - 2.375% Plan O - 2.500% Plan P - 2.625% Plan Q - 2.750% Plan R - 2.875% Please attach additional Exhibit 1 sheets as necessary. Broker Name Authorized Signature Date New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

AUTHORIZATION/RELEASE FOR BUSINESSES AND INDIVIDUALS,, (the Applicant ) acknowledges that it is in the best interest of both Applicant and New American Funding ( Lender ) to perform due diligence concerning Applicant s background and experience. Applicant further acknowledges that Applicant benefits from the efficiencies in the due diligence process that are possible when Lender and other similarly-situated entities in the mortgage industry exchange information about their experiences in doing business with individuals and companies such as Applicant. Therefore, Applicant hereby consents and gives Lender permission to submit the name of Applicant s company and any and all employees of that company for screening through any and all mortgage industry background databases, including, without limitation, databases operated by Mortgage Asset Research Institute, Inc., such as the Mortgage Industry Data Exchange ( MIDEX ). Applicant understands that Lender performs quality control reviews of the loans that Applicant submits to Lender for registration, review, underwriting, and/or purchase. Applicant understands and hereby consents to the release of information about any loan application that is believed to contain misrepresentations and/or irregularities. Applicant agrees and gives its consent that it and its employees may be named as the originating entity or loan officers on such loans, whether or not Applicant or its employees are implicated in the misrepresentations and/or irregularities. Applicant hereby releases and agrees to hold harmless Lender, Mortgage Asset Research Institute, Inc., all MIDEX subscribers, and any trade associations that endorse the MIDEX system from any and all liability for damages, losses, costs, and expenses that may arise from the reporting or use of any information submitted by Lender or any other MIDEX subscriber to Mortgage Asset Research Institute, Inc., recorded in the MIDEX system, and used in any way by Lender or any other MIDEX subscriber. Signed for Applicant: (Print or Type Name) Its (title): Company: Address: Signed for Lender: (Print or Type Name) Its (title): Company: New American Funding Address: 14511 Myford Road, Suite 201 Tustin, CA 92780 Date: Date: Authorization/Release for Business and Individuals Page 1 of 1 New American Funding 14511 Myford Road, Suite.201, Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

SOLICITATION AGREEMENT By signing this agreement, you are authorizing New American Funding, to send product promotional material, advertising, rates, and any other solicitation materials via E-Mail and Fax to the e-mail address (es), and fax number(s) identified below: Fax Numbers: E-Mail: If you are executing this agreement on behalf of a Broker, and/or Company, you must be authorized to do so. In executing this agreement, you are acknowledging that you have the duly authorized right to complete and execute this agreement on behalf of the Broker/Company Print Name: Signature: Date: Title: Solicitation Agreement Initial Page 1 of 1 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

Form W-9 (Rev. December 2011) Department of the Treasury Internal Revenue Service Name (as shown on your income tax return) Request for Taxpayer Identification Number and Certification Give Form to the requester. Do not send to the IRS. Print or type See Specific Instructions on page 2. Business name/disregarded entity name, if different from above Check appropriate box for federal tax classification: Individual/sole proprietor C Corporation S Corporation Partnership Trust/estate Exempt payee Limited liability company. Enter the tax classification (C=C corporation, S=S corporation, P=partnership) Other (see instructions) Address (number, street, and apt. or suite no.) Requester s name and address (optional) City, state, and ZIP code List account number(s) here (optional) Part I Taxpayer Identification Number (TIN) Enter your TIN in the appropriate box. The TIN provided must match the name given on the Name line to avoid backup withholding. For individuals, this is your social security number (SSN). However, for a resident alien, sole proprietor, or disregarded entity, see the Part I instructions on page 3. For other entities, it is your employer identification number (EIN). If you do not have a number, see How to get a TIN on page 3. Note. If the account is in more than one name, see the chart on page 4 for guidelines on whose number to enter. Social security number Employer identification number Part II Certification Under penalties of perjury, I certify that: 1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and 2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and 3. I am a U.S. citizen or other U.S. person (defined below). Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply. For mortgage interest paid, acquisition or abandonment of secured property, cancellation of debt, contributions to an individual retirement arrangement (IRA), and generally, payments other than interest and dividends, you are not required to sign the certification, but you must provide your correct TIN. See the instructions on page 4. Sign Here Signature of U.S. person General Instructions Section references are to the Internal Revenue Code unless otherwise noted. Purpose of Form A person who is required to file an information return with the IRS must obtain your correct taxpayer identification number (TIN) to report, for example, income paid to you, real estate transactions, mortgage interest you paid, acquisition or abandonment of secured property, cancellation of debt, or contributions you made to an IRA. Use Form W-9 only if you are a U.S. person (including a resident alien), to provide your correct TIN to the person requesting it (the requester) and, when applicable, to: 1. Certify that the TIN you are giving is correct (or you are waiting for a number to be issued), 2. Certify that you are not subject to backup withholding, or 3. Claim exemption from backup withholding if you are a U.S. exempt payee. If applicable, you are also certifying that as a U.S. person, your allocable share of any partnership income from a U.S. trade or business is not subject to the withholding tax on foreign partners share of effectively connected income. Date Note. If a requester gives you a form other than Form W-9 to request your TIN, you must use the requester s form if it is substantially similar to this Form W-9. Definition of a U.S. person. For federal tax purposes, you are considered a U.S. person if you are: An individual who is a U.S. citizen or U.S. resident alien, A partnership, corporation, company, or association created or organized in the United States or under the laws of the United States, An estate (other than a foreign estate), or A domestic trust (as defined in Regulations section 301.7701-7). Special rules for partnerships. Partnerships that conduct a trade or business in the United States are generally required to pay a withholding tax on any foreign partners share of income from such business. Further, in certain cases where a Form W-9 has not been received, a partnership is required to presume that a partner is a foreign person, and pay the withholding tax. Therefore, if you are a U.S. person that is a partner in a partnership conducting a trade or business in the United States, provide Form W-9 to the partnership to establish your U.S. status and avoid withholding on your share of partnership income. Cat. No. 10231X Form W-9 (Rev. 12-2011)

Form W-9 (Rev. 12-2011) Page 2 The person who gives Form W-9 to the partnership for purposes of establishing its U.S. status and avoiding withholding on its allocable share of net income from the partnership conducting a trade or business in the United States is in the following cases: The U.S. owner of a disregarded entity and not the entity, The U.S. grantor or other owner of a grantor trust and not the trust, and The U.S. trust (other than a grantor trust) and not the beneficiaries of the trust. Foreign person. If you are a foreign person, do not use Form W-9. Instead, use the appropriate Form W-8 (see Publication 515, Withholding of Tax on Nonresident Aliens and Foreign Entities). Nonresident alien who becomes a resident alien. Generally, only a nonresident alien individual may use the terms of a tax treaty to reduce or eliminate U.S. tax on certain types of income. However, most tax treaties contain a provision known as a saving clause. Exceptions specified in the saving clause may permit an exemption from tax to continue for certain types of income even after the payee has otherwise become a U.S. resident alien for tax purposes. If you are a U.S. resident alien who is relying on an exception contained in the saving clause of a tax treaty to claim an exemption from U.S. tax on certain types of income, you must attach a statement to Form W-9 that specifies the following five items: 1. The treaty country. Generally, this must be the same treaty under which you claimed exemption from tax as a nonresident alien. 2. The treaty article addressing the income. 3. The article number (or location) in the tax treaty that contains the saving clause and its exceptions. 4. The type and amount of income that qualifies for the exemption from tax. 5. Sufficient facts to justify the exemption from tax under the terms of the treaty article. Example. Article 20 of the U.S.-China income tax treaty allows an exemption from tax for scholarship income received by a Chinese student temporarily present in the United States. Under U.S. law, this student will become a resident alien for tax purposes if his or her stay in the United States exceeds 5 calendar years. However, paragraph 2 of the first Protocol to the U.S.-China treaty (dated April 30, 1984) allows the provisions of Article 20 to continue to apply even after the Chinese student becomes a resident alien of the United States. A Chinese student who qualifies for this exception (under paragraph 2 of the first protocol) and is relying on this exception to claim an exemption from tax on his or her scholarship or fellowship income would attach to Form W-9 a statement that includes the information described above to support that exemption. If you are a nonresident alien or a foreign entity not subject to backup withholding, give the requester the appropriate completed Form W-8. What is backup withholding? Persons making certain payments to you must under certain conditions withhold and pay to the IRS a percentage of such payments. This is called backup withholding. Payments that may be subject to backup withholding include interest, tax-exempt interest, dividends, broker and barter exchange transactions, rents, royalties, nonemployee pay, and certain payments from fishing boat operators. Real estate transactions are not subject to backup withholding. You will not be subject to backup withholding on payments you receive if you give the requester your correct TIN, make the proper certifications, and report all your taxable interest and dividends on your tax return. Payments you receive will be subject to backup withholding if: 1. You do not furnish your TIN to the requester, 2. You do not certify your TIN when required (see the Part II instructions on page 3 for details), 3. The IRS tells the requester that you furnished an incorrect TIN, 4. The IRS tells you that you are subject to backup withholding because you did not report all your interest and dividends on your tax return (for reportable interest and dividends only), or 5. You do not certify to the requester that you are not subject to backup withholding under 4 above (for reportable interest and dividend accounts opened after 1983 only). Certain payees and payments are exempt from backup withholding. See the instructions below and the separate Instructions for the Requester of Form W-9. Also see Special rules for partnerships on page 1. Updating Your Information You must provide updated information to any person to whom you claimed to be an exempt payee if you are no longer an exempt payee and anticipate receiving reportable payments in the future from this person. For example, you may need to provide updated information if you are a C corporation that elects to be an S corporation, or if you no longer are tax exempt. In addition, you must furnish a new Form W-9 if the name or TIN changes for the account, for example, if the grantor of a grantor trust dies. Penalties Failure to furnish TIN. If you fail to furnish your correct TIN to a requester, you are subject to a penalty of $50 for each such failure unless your failure is due to reasonable cause and not to willful neglect. Civil penalty for false information with respect to withholding. If you make a false statement with no reasonable basis that results in no backup withholding, you are subject to a $500 penalty. Criminal penalty for falsifying information. Willfully falsifying certifications or affirmations may subject you to criminal penalties including fines and/or imprisonment. Misuse of TINs. If the requester discloses or uses TINs in violation of federal law, the requester may be subject to civil and criminal penalties. Specific Instructions Name If you are an individual, you must generally enter the name shown on your income tax return. However, if you have changed your last name, for instance, due to marriage without informing the Social Security Administration of the name change, enter your first name, the last name shown on your social security card, and your new last name. If the account is in joint names, list first, and then circle, the name of the person or entity whose number you entered in Part I of the form. Sole proprietor. Enter your individual name as shown on your income tax return on the Name line. You may enter your business, trade, or doing business as (DBA) name on the Business name/disregarded entity name line. Partnership, C Corporation, or S Corporation. Enter the entity's name on the Name line and any business, trade, or doing business as (DBA) name on the Business name/disregarded entity name line. Disregarded entity. Enter the owner's name on the Name line. The name of the entity entered on the Name line should never be a disregarded entity. The name on the Name line must be the name shown on the income tax return on which the income will be reported. For example, if a foreign LLC that is treated as a disregarded entity for U.S. federal tax purposes has a domestic owner, the domestic owner's name is required to be provided on the Name line. If the direct owner of the entity is also a disregarded entity, enter the first owner that is not disregarded for federal tax purposes. Enter the disregarded entity's name on the Business name/disregarded entity name line. If the owner of the disregarded entity is a foreign person, you must complete an appropriate Form W-8. Note. Check the appropriate box for the federal tax classification of the person whose name is entered on the Name line (Individual/sole proprietor, Partnership, C Corporation, S Corporation, Trust/estate). Limited Liability Company (LLC). If the person identified on the Name line is an LLC, check the Limited liability company box only and enter the appropriate code for the tax classification in the space provided. If you are an LLC that is treated as a partnership for federal tax purposes, enter P for partnership. If you are an LLC that has filed a Form 8832 or a Form 2553 to be taxed as a corporation, enter C for C corporation or S for S corporation. If you are an LLC that is disregarded as an entity separate from its owner under Regulation section 301.7701-3 (except for employment and excise tax), do not check the LLC box unless the owner of the LLC (required to be identified on the Name line) is another LLC that is not disregarded for federal tax purposes. If the LLC is disregarded as an entity separate from its owner, enter the appropriate tax classification of the owner identified on the Name line.

Form W-9 (Rev. 12-2011) Page 3 Other entities. Enter your business name as shown on required federal tax documents on the Name line. This name should match the name shown on the charter or other legal document creating the entity. You may enter any business, trade, or DBA name on the Business name/ disregarded entity name line. Exempt Payee If you are exempt from backup withholding, enter your name as described above and check the appropriate box for your status, then check the Exempt payee box in the line following the Business name/ disregarded entity name, sign and date the form. Generally, individuals (including sole proprietors) are not exempt from backup withholding. Corporations are exempt from backup withholding for certain payments, such as interest and dividends. Note. If you are exempt from backup withholding, you should still complete this form to avoid possible erroneous backup withholding. The following payees are exempt from backup withholding: 1. An organization exempt from tax under section 501(a), any IRA, or a custodial account under section 403(b)(7) if the account satisfies the requirements of section 401(f)(2), 2. The United States or any of its agencies or instrumentalities, 3. A state, the District of Columbia, a possession of the United States, or any of their political subdivisions or instrumentalities, 4. A foreign government or any of its political subdivisions, agencies, or instrumentalities, or 5. An international organization or any of its agencies or instrumentalities. Other payees that may be exempt from backup withholding include: 6. A corporation, 7. A foreign central bank of issue, 8. A dealer in securities or commodities required to register in the United States, the District of Columbia, or a possession of the United States, 9. A futures commission merchant registered with the Commodity Futures Trading Commission, 10. A real estate investment trust, 11. An entity registered at all times during the tax year under the Investment Company Act of 1940, 12. A common trust fund operated by a bank under section 584(a), 13. A financial institution, 14. A middleman known in the investment community as a nominee or custodian, or 15. A trust exempt from tax under section 664 or described in section 4947. The following chart shows types of payments that may be exempt from backup withholding. The chart applies to the exempt payees listed above, 1 through 15. IF the payment is for... Interest and dividend payments THEN the payment is exempt for... All exempt payees except for 9 Broker transactions Exempt payees 1 through 5 and 7 through 13. Also, C corporations. Barter exchange transactions and patronage dividends Payments over $600 required to be reported and direct sales over $5,000 1 Exempt payees 1 through 5 Generally, exempt payees 1 through 7 2 Part I. Taxpayer Identification Number (TIN) Enter your TIN in the appropriate box. If you are a resident alien and you do not have and are not eligible to get an SSN, your TIN is your IRS individual taxpayer identification number (ITIN). Enter it in the social security number box. If you do not have an ITIN, see How to get a TIN below. If you are a sole proprietor and you have an EIN, you may enter either your SSN or EIN. However, the IRS prefers that you use your SSN. If you are a single-member LLC that is disregarded as an entity separate from its owner (see Limited Liability Company (LLC) on page 2), enter the owner s SSN (or EIN, if the owner has one). Do not enter the disregarded entity s EIN. If the LLC is classified as a corporation or partnership, enter the entity s EIN. Note. See the chart on page 4 for further clarification of name and TIN combinations. How to get a TIN. If you do not have a TIN, apply for one immediately. To apply for an SSN, get Form SS-5, Application for a Social Security Card, from your local Social Security Administration office or get this form online at www.ssa.gov. You may also get this form by calling 1-800-772-1213. Use Form W-7, Application for IRS Individual Taxpayer Identification Number, to apply for an ITIN, or Form SS-4, Application for Employer Identification Number, to apply for an EIN. You can apply for an EIN online by accessing the IRS website at www.irs.gov/businesses and clicking on Employer Identification Number (EIN) under Starting a Business. You can get Forms W-7 and SS-4 from the IRS by visiting IRS.gov or by calling 1-800-TAX-FORM (1-800-829-3676). If you are asked to complete Form W-9 but do not have a TIN, write Applied For in the space for the TIN, sign and date the form, and give it to the requester. For interest and dividend payments, and certain payments made with respect to readily tradable instruments, generally you will have 60 days to get a TIN and give it to the requester before you are subject to backup withholding on payments. The 60-day rule does not apply to other types of payments. You will be subject to backup withholding on all such payments until you provide your TIN to the requester. Note. Entering Applied For means that you have already applied for a TIN or that you intend to apply for one soon. Caution: A disregarded domestic entity that has a foreign owner must use the appropriate Form W-8. Part II. Certification To establish to the withholding agent that you are a U.S. person, or resident alien, sign Form W-9. You may be requested to sign by the withholding agent even if item 1, below, and items 4 and 5 on page 4 indicate otherwise. For a joint account, only the person whose TIN is shown in Part I should sign (when required). In the case of a disregarded entity, the person identified on the Name line must sign. Exempt payees, see Exempt Payee on page 3. Signature requirements. Complete the certification as indicated in items 1 through 3, below, and items 4 and 5 on page 4. 1. Interest, dividend, and barter exchange accounts opened before 1984 and broker accounts considered active during 1983. You must give your correct TIN, but you do not have to sign the certification. 2. Interest, dividend, broker, and barter exchange accounts opened after 1983 and broker accounts considered inactive during 1983. You must sign the certification or backup withholding will apply. If you are subject to backup withholding and you are merely providing your correct TIN to the requester, you must cross out item 2 in the certification before signing the form. 3. Real estate transactions. You must sign the certification. You may cross out item 2 of the certification. 1 See Form 1099-MISC, Miscellaneous Income, and its instructions. 2 However, the following payments made to a corporation and reportable on Form 1099-MISC are not exempt from backup withholding: medical and health care payments, attorneys' fees, gross proceeds paid to an attorney, and payments for services paid by a federal executive agency.

Form W-9 (Rev. 12-2011) Page 4 4. Other payments. You must give your correct TIN, but you do not have to sign the certification unless you have been notified that you have previously given an incorrect TIN. Other payments include payments made in the course of the requester s trade or business for rents, royalties, goods (other than bills for merchandise), medical and health care services (including payments to corporations), payments to a nonemployee for services, payments to certain fishing boat crew members and fishermen, and gross proceeds paid to attorneys (including payments to corporations). 5. Mortgage interest paid by you, acquisition or abandonment of secured property, cancellation of debt, qualified tuition program payments (under section 529), IRA, Coverdell ESA, Archer MSA or HSA contributions or distributions, and pension distributions. You must give your correct TIN, but you do not have to sign the certification. What Name and Number To Give the Requester For this type of account: Give name and SSN of: 1. Individual The individual 2. Two or more individuals (joint The actual owner of the account or, account) if combined funds, the first individual on the account 1 3. Custodian account of a minor The minor 2 (Uniform Gift to Minors Act) 4. a. The usual revocable savings The grantor-trustee 1 trust (grantor is also trustee) b. So-called trust account that is The actual owner 1 not a legal or valid trust under state law 5. Sole proprietorship or disregarded The owner 3 entity owned by an individual 6. Grantor trust filing under Optional The grantor* Form 1099 Filing Method 1 (see Regulation section 1.671-4(b)(2)(i)(A)) For this type of account: Give name and EIN of: 7. Disregarded entity not owned by an The owner individual 8. A valid trust, estate, or pension trust Legal entity 4 9. Corporation or LLC electing The corporation corporate status on Form 8832 or Form 2553 10. Association, club, religious, The organization charitable, educational, or other tax-exempt organization 11. Partnership or multi-member LLC The partnership 12. A broker or registered nominee The broker or nominee 13. Account with the Department of The public entity Agriculture in the name of a public entity (such as a state or local government, school district, or prison) that receives agricultural program payments 14. Grantor trust filing under the Form The trust 1041 Filing Method or the Optional Form 1099 Filing Method 2 (see Regulation section 1.671-4(b)(2)(i)(B)) Note. If no name is circled when more than one name is listed, the number will be considered to be that of the first name listed. Secure Your Tax Records from Identity Theft Identity theft occurs when someone uses your personal information such as your name, social security number (SSN), or other identifying information, without your permission, to commit fraud or other crimes. An identity thief may use your SSN to get a job or may file a tax return using your SSN to receive a refund. To reduce your risk: Protect your SSN, Ensure your employer is protecting your SSN, and Be careful when choosing a tax preparer. If your tax records are affected by identity theft and you receive a notice from the IRS, respond right away to the name and phone number printed on the IRS notice or letter. If your tax records are not currently affected by identity theft but you think you are at risk due to a lost or stolen purse or wallet, questionable credit card activity or credit report, contact the IRS Identity Theft Hotline at 1-800-908-4490 or submit Form 14039. For more information, see Publication 4535, Identity Theft Prevention and Victim Assistance. Victims of identity theft who are experiencing economic harm or a system problem, or are seeking help in resolving tax problems that have not been resolved through normal channels, may be eligible for Taxpayer Advocate Service (TAS) assistance. You can reach TAS by calling the TAS toll-free case intake line at 1-877-777-4778 or TTY/TDD 1-800-829-4059. Protect yourself from suspicious emails or phishing schemes. Phishing is the creation and use of email and websites designed to mimic legitimate business emails and websites. The most common act is sending an email to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft. The IRS does not initiate contacts with taxpayers via emails. Also, the IRS does not request personal detailed information through email or ask taxpayers for the PIN numbers, passwords, or similar secret access information for their credit card, bank, or other financial accounts. If you receive an unsolicited email claiming to be from the IRS, forward this message to phishing@irs.gov. You may also report misuse of the IRS name, logo, or other IRS property to the Treasury Inspector General for Tax Administration at 1-800-366-4484. You can forward suspicious emails to the Federal Trade Commission at: spam@uce.gov or contact them at www.ftc.gov/idtheft or 1-877-IDTHEFT (1-877-438-4338). Visit IRS.gov to learn more about identity theft and how to reduce your risk. 1 List first and circle the name of the person whose number you furnish. If only one person on a joint account has an SSN, that person s number must be furnished. 2 Circle the minor s name and furnish the minor s SSN. 3 You must show your individual name and you may also enter your business or DBA name on the Business name/disregarded entity name line. You may use either your SSN or EIN (if you have one), but the IRS encourages you to use your SSN. 4 List first and circle the name of the trust, estate, or pension trust. (Do not furnish the TIN of the personal representative or trustee unless the legal entity itself is not designated in the account title.) Also see Special rules for partnerships on page 1. *Note. Grantor also must provide a Form W-9 to trustee of trust. Privacy Act Notice Section 6109 of the Internal Revenue Code requires you to provide your correct TIN to persons (including federal agencies) who are required to file information returns with the IRS to report interest, dividends, or certain other income paid to you; mortgage interest you paid; the acquisition or abandonment of secured property; the cancellation of debt; or contributions you made to an IRA, Archer MSA, or HSA. The person collecting this form uses the information on the form to file information returns with the IRS, reporting the above information. Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation and to cities, states, the District of Columbia, and U.S. possessions for use in administering their laws. The information also may be disclosed to other countries under a treaty, to federal and state agencies to enforce civil and criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism. You must provide your TIN whether or not you are required to file a tax return. Under section 3406, payers must generally withhold a percentage of taxable interest, dividend, and certain other payments to a payee who does not give a TIN to the payer. Certain penalties may also apply for providing false or fraudulent information.

BROKER S COMMITMENT TO RESPONSIBLE LENDING As a Broker approved to submit loans to New American Funding. Broker and its employees ( Broker ) acknowledges the following: 1. Broker affirms that our primary obligation is to act in the best interest of the Borrower. Therefore: Borrower Eligibility Broker will not knowingly submit an application for a non-prime loan for a borrower who is eligible for, and whose needs are best met by, a prime loan. No High Cost Loans New American Funding is a responsible lender committed to reasonable points and fees; therefore Broker will not make High Cost loans (as defined by HOEPA, Section 32 and applicable state high cost lending laws or regulations). Repayment Ability Broker will consistently consider the financial ability and credit worthiness of the borrower to repay the loan in order to avoid default and foreclosure. Broker will determine creditworthiness and ability to repay through the use of objective, empirically derived, statistically significant credit bureau scoring and proprietary factors, among other factors and will not rely solely on the equity in the home as a means of determining borrower's ability to repay. Broker will only submit to New American Funding any loans that are appropriate to this true ability. Flipping/Equity Stripping New American Funding does not itself engage in, nor does it allow Brokers approved to do business with New American Funding to engage in the practice of soliciting consumers, who have recently obtained a loan with New American Funding, in order to refinance their loans unless there is a bona fide net tangible benefit to the borrower. Credit Insurance Broker acknowledges that New American Funding prohibits the financing of credit insurance products in connection with mortgage loans Privacy and Confidentiality Broker warrants that it is in compliance with all federal and state privacy laws. Broker commits to protecting every customer s confidential information by utilizing property information security safeguards and secure document disposal. 2. Broker will consistently operate in full compliance with all federal and state lending requirements including disclosing all fees, including Lender Paid Compensation. 3. Broker will consistently comply with state and federal fair lending and non-discrimination laws. (Broker acknowledges and shares New American Funding commitment to abiding by both the spirit and letter of all fair lending laws and practices.) 4. Broker is properly licensed in the States where Broker does business. Broker's Commitment to Responsible Lending Page 1 of 2 New American Funding 14511 Myford Road, Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

5. Broker will consistently utilize industry best practice standards and quality control procedures to ensure that each and every loan submission contains NO false or misleading information. In particular (and without limitation) Broker will ensure that: a. The true source of the down payment is disclosed to New American Funding b. The appraisal is a truly independent analysis of the value of the collateral. c. The borrower's factual income is accurately calculated and disclosed. (Broker acknowledges and shares New American Funding commitment to preventing mortgage fraud. Broker understands that New American Funding views fraud as both a criminal and predatory practice. Broker understands that New American Funding reports all Fraud to licensing and /or criminal authorities and may civilly sue brokers and agents that participate in fraudulent activities.) 6. Broker will not submit to New American Funding any loans that refinance Special mortgages (such as reverse mortgages, mortgages from charitable organizations with discounted interest rates, specially subsidized loans, etc.). 7. Broker will consistently comply with the terms of our Broker Agreement with New American Funding. 8. Broker will ensure that all of our employees and associates involved in submitting loans to New American Funding have read and understood and agree with this Broker Commitment to Responsible Lending. Signature of Broker of Record Date Printed Name of Broker Record Signature of Principal Officer Owner Date Printed Name of Principal Officer Owner Broker's Commitment to Responsible Lending Page 2 of 2 New American Funding 14511 Myford Road, Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

COMPANY RESOLUTION The undersigned Corporate Secretary/Manager/General Partner of the following Mortgage Broker Company ( Broker ) which is a Corporation/Limited Liability Company/General Partnership/Limited Partnership (circle one) organized under the laws of the State of, hereby certifies that on, 20, the Board of Directors/Manager/General Partner (circle one) of the Company adopted or approved the following resolution: 1. Broker is authorized to enter into and to comply with the terms and conditions of the Mortgage Broker Agreement ( Broker Agreement ) with New American Funding. ( Performance ); 2. The following officers, members or partners of Broker, as applicable, are authorized to execute on behalf of Broker the Broker Agreement, the Broker Compensation Addendum, the Broker Application and any and all other agreements, documents, and forms that are required by New American Funding to be executed in connection with the Broker Agreement: Signature of Broker of Record Date Printed Name of Broker Record Signature of Principal Officer Owner Date Printed Name of Principal Officer Owner Company Resolution Page 1 of 1 New American Funding 14511 Myford Road, Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

CORPORATE RESOLUTION RESOLVED that, President: Corporate Secretary: of this corporation, or any one or more of them or their duly elected or appointed successors in office, be and each of them is hereby authorized and empowered in the name of and on behalf of this corporation and under its corporate seal, from time to time while this resolution is in effect, to execute any and all agreements, contract, assignments, endorsement and issuance of checks or drafts, reports, mortgage documents, and other papers in connection with documents, and furnish any information required or deemed necessary or proper in connection therewith. I HEREBY CERTIFY that the foregoing is true and correct copy of a resolution adopted by the Board of Directors of on the day of, a which a quorum was present and voted, and that such resolution is duly recorded in the minute book of this corporation; that the officers named in said resolution have been duly elected or appointed to, and are the present incumbents of, the respective offices set after their respective names. Corporate Secretary Corporate Resolution Initial Page 1 of 1 New American Funding 14511 Myford Road, Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

FAIR LENDING ACKNOWLEDGEMENT IT IS AGAINST NEW AMERICAN FUNDING POLICY TO DISCRIMINATE ON ANY BASIS, INCLUDING A LOAN APPLICANT S RACE, NATIONAL ORIGIN, RELIGION, MARITAL STATUS, GENDER, OR AGE. Uniting communities through residential lending is a core value of New American Funding. Any act of discrimination violates New American Funding policy and its corporate philosophy of providing homeownership opportunities to all qualified applicants. Our stand on nondiscrimination is absolute; there is zero tolerance for any discriminatory act or behavior. Treating everyone fairly and making decisions based solely on creditworthiness is in everyone's best interest. It is our policy and our practice to comply fully with the letter and more importantly the spirit of the fair lending statutes, including but not limited to those cited below. Additionally, we commit to adhere to all state, municipal and local laws, regulations, statutes and all other laws regulating our industry. We expect all of our broker partners to fully understand fair lending practices and to deal fairly and equally with all loan applicants. We insist that all negotiations are in good faith and without bias. We require that the letter and the spirit of fair lending practices, the following Federal laws, and all statutes governing lending and equal rights be complied within each jurisdiction that the broker partners conducts business. CONSISTENT AND FAIR TREATMENT It is the policy of New American Funding and its subsidiaries and affiliated entities policy, to treat all consumers consistently and fairly and in compliance with fair lending laws. Our employees will offer assistance, encouragement and services in a fair, equitable and consistent manner during performance of their jobs. We will communicate our fair lending policy to all of our broker partners and hold them accountable for treating all consumers consistently and fairly. New American Funding does not discriminate based on: Race Family Status 1 Marital Status National Origin Handicap Receipt of Public Assistance Age 2 Color Religion Exercise of Consumer Right 3 LAW Fair Housing Act (FHA) Equal Credit Opportunity Act (ECOA) Fair Credit Reporting Act (FCRA) Home Mortgage Disclosure Act (HMDA) Truth in Lending Act (TILA) SUMMARY Prohibits discrimination in lending based on prohibited factors (race, color, religion, national origin, handicap, familial status, gender, and age). Also prohibits practices such as redlining, making excessively low appraisals, use of subjective or non-reviewable criteria, creating and exploiting a racially exclusive image, expressing intent to discriminate, and discriminating against women. http://www.hud.gov/offices/fheo/fhlaws/index.cfm Prohibits discouraging applications and limits the manner in which lenders can inquire about marital status, spouses, former spouses, alimony and child support. Also establishes requirements for lenders such as providing copies of appraisals, providing appropriate disclosures and reserving records from the application/transaction. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre15.shtm Regulates the activities of reporting agencies and the users of credit information and protects individuals from invasion of privacy and the dissemination of false or inaccurate information. Requires disclosures when adverse action is taken. http://www.ftc.gov/os/statutes/fcra.htm Requires lenders to collect certain information about the loans they make so the government can track applications and ensure lenders are taking and approving applications equally for all groups of people. http://www.ffiec.gov/hmda/ Requires the disclosure of information about the lender, amount financed, and finance charge, payments, security and interest rate. Also establishes that borrowers have a right to rescind most loans secured by their primary residence within three business days of loan closing. http://www.ecfr.gpoaccess.gov/cgi/text/text-idx?c=efcr&tpl=/efcrbrowse/title12/12cfr226_2.tpl Fair Lending Acknowledgement Page 1 of 2 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

Real Estate Settlement Procedures Act (RESPA) Telemarketing Sales Rule Gramm Leach Bliley Act (GLB) Requires lenders to provide advance disclosure information on loan settlement procedures and costs. Also regulates the ways in which referrals between companies can be made and establishes parameters for the amount of money borrowers are required to place in an escrow account established for taxes and insurance. http://portal.hud.gov/hudportal/hud?src=/program_offices/housing/rmra/res/respa_hm Establishes parameters regarding the manner in which telemarketing can be conducted. Specifies times during which telemarketing is permitted, information that must be disclosed to consumers during telemarketing, and that records must be kept of telemarketing transactions. http://business.ftc.gov/documents/bus27-complying-telemarketing-sales-rule The Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act or GLB Act, includes provisions to protect consumers personal financial information held by financial institutions. There are three principal parts to the privacy requirements: the Financial Privacy Rule, Safeguards Rule, and pre-texting provisions. http://business.ftc.gov/privacy-and-security/gramm-leach-bliley-act As a condition of entering into and maintaining a business relationship with New American Funding, the undersigned: 1) acknowledges understanding of New American Funding fair lending policy 2) agrees to comply with the letter and spirit of all Federal, State, and local licensing, lending, disclosure, and consumer protection laws; 3) agrees to educate its principals, employees, affiliates, and agents about fair lending practices and the above laws; and 4) agrees to advise New American Funding immediately upon ascertaining any violation of the above laws by its principals, employees, affiliates, third-party services providers or agents. Broker Company Name: By: Date: Broker of Record Signature Name: Title: By: Date: Name: Title: Principal/Owner of Company Signature 1 Whether or not someone has children under the age of 18. 2 Provided the person has the capacity to enter into a contract. 3 For example, if a person previously exercised a Right of Rescission under the Truth-in-Lending Act. Fair Lending Acknowledgement Page 2 of 2 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

QUALITY CONTROL & COMPLIANCE AGREEMENT 1. All loan files are locked in a file cabinet whenever the processor leaves his or her work area. If the file(s) are removed, a log is kept indicating the date the file was checked out, by whom and when it was received back by the processor. The broker has implemented a privacy policy compliant with the Gramm- Leach-Bliley Act s Financial Privacy Rule and Safeguards Rule as described below: The Financial Privacy Rule governs the collection and disclosure of customers' personal financial information by financial institutions. It also applies to companies, whether or not they are financial institutions, who receive such information. The Safeguards Rule requires all financial institutions to design, implement and maintain safeguards to protect customer information. The Safeguards Rule applies not only to financial institutions that collect information from their own customers, but also to financial institutions "such as credit reporting agencies" that receive customer information from other financial institutions. 2. All credit reports are ordered from companies that comply to the Fair Credit Reporting Act, HUD/FHA, VA, FNMA, FHLMC regulations and all applicable state laws. All credit reports collect and contain information from at least two (2) national credit repositories, and public records. Should any derogatory credit items be reported, a copy of the credit report is mailed to the applicant. Any discussion pertaining to the credit report by the borrower is referred to the credit-reporting agency. 3. Appraisals will be obtained in accordance with the Home Valuation Code of Conduct (HVCC). The Broker understands that all appraisals are to be completed without influence from someone who desires a specific value or outcome. Broker agrees to follow Lender s policy by use of an approved Appraisal Management Company mandated by the Lender. 4. All verifications of employment and deposit/asset are mailed directly to appropriate company. No verifications are hand carried by an employee of Broker. 5. Telephone verification of employment, banking relationships and asset verifications are performed on all alternative and reduced documentation loans. This is not limited to review of telephone research, contacting directory assistance and professional agencies to verify accuracy of the loan application information. 6. All appropriate loan disclosures are provided to the applicant within the prescribed seventy-two (72) hours from loan application or as otherwise required by state or federal law. This includes, but is not limited to, the Fair Lending Notice, Good Faith Estimate of Settlement, Mortgage Loan Program Disclosure, HUD Special Information Booklet, Servicing Transfer Disclosure, Truth In Lending Disclosure, and any other disclosure as required by applicable state and/or federal law. 7. All loan applications received are date stamped the day received. 8. All copies of documentation furnished by the borrower are stamped as a certified copy of the original document. 9. All loan applicants receive a written notice of disposition whether the loan is declined or approved upon rendering a credit decision. 10. All loans are processed to meet HUD/FHA, VA, FNMA, FHLMC, or Private Investor guidelines. We agree to maintain a quality control and compliance policy as described above. Signature Broker Name Date Compliance Initial Page 1 of 1 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

LOAN FRAUD - ZERO TOLERANCE All approved Loan Brokers must be aware that the licensed real estate broker bears the responsibility for all actions of his or her employees or licensees. The broker is responsible for the content and quality of each application taken and each loan submitted to LENDER. The submission of a loan application containing false information is a crime. TYPES OF LOAN FRAUD: Submission of inaccurate information, including false statements on loan application(s) and falsification of documents purporting to substantiate credit, employment, deposit and asset information including identity, ownership/non-ownership of real property, etc. 1. Forgery of partially or predominantly accurate information. 2. Incorrect statements regarding current occupancy or intent to maintain minimum continuing occupancy as stated in the security instrument. 3. Lack of due diligence by broker/loan officer/interviewer/processor, including failure to obtain all information required by the application and failure to request further information as dictated by Borrower s response to other questions. 4. Unquestioned acceptance of information or documentation, which is known, should be known, or should be suspected to be inaccurate. a. Simultaneous or consecutive processing of multiple owner-occupied loans from one Applicant on multiple properties, or from one applicant supplying different information on each application. b. Allowing an applicant or interested third-party to assist with the processing of the loan. 5. Broker s non-disclosure of relevant information. CONSEQUENCES The effects of Loan Fraud are costly to all parties involved. LENDER stands behind the quality of its loan production. Fraudulent loans cannot be sold into the secondary market and, if sold, will require repurchase by LENDER. Fraudulent loans damage our reputation with our investors and mortgage insurance providers. The price paid by those who participate in Loan Fraud is even more costly. Following is a list of a few of the potential consequences that may be incurred: 1. Criminal prosecution. 2. Loss of Real Estate Broker s License. CONSEQUENCES TO BROKER 3. Loss of lender access due to exchange of information between lenders, mortgage insurance companies, including submission of information to investors (FHLMC/FNMA/GNMA), Police Agencies, and the Department of Real Estate, and MIDEX. Civil action by New American Funding. 4. Civil action by applicant/borrower or other parties to the transaction. 5. Loss of approval status with New American Funding. Loan Fraud Initial Page 1 of 2 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

CONSEQUENCES TO BORROWER 1. Acceleration of debt (FNMA/FHLMC Deed of Trust, revised 9/90). Item #6 states: Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to lender (or failed to provide lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower s occupancy of the Property as a principal residence. NOTE: Foreclosure under this section of the Deed of Trust does not require the Borrower to be in payment default. As such, the Borrower will not have the benefit of reinstatement. In order to cure the default, the Borrower must pay off the loan in full prior to the sale of the property. 2. Criminal prosecution 3. Civil action by LENDER 4. Civil action the other parties to transaction, such as seller or real estate agent/broker 5. Employment termination 6. Loss of professional licenses 7. Adverse effect on credit history I have read the foregoing and understand the policy and position of LENDER. with regard to Loan Fraud. SIGNATURE OF BROKER OF RECORD SIGNATURE OF PRINCIPAL OFFICER Loan Fraud Page 2 of 2 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

ORIGINATORS FHA SPONSORSHIP REQUEST Broker FHA ID: (If previously approved FHA correspondent) Company Legal Name: DBA: NMLS: Employer's Identification Number (EIN): Location Address: Contact Name: Contact Email: Phone: For New American Funding Internal Use Only Date Approved in System: Date Approved FHA Connection: Approved By: Federally Regulated: Yes No Originators FHA Sponsorship Request Page 1 of 1 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

SPONSORSHIP OF BROKER FOR FHA MORTGAGE LOANS Whereas ( Broker ) wishes to be sponsored by New American Funding ( Lender ) to originate and process FHA Loans to be presented to Lender for underwriting and funding, the parties agree to the following: FHA Sponsorship Lender may at its sole option, sponsor the Broker to originate and process FHA loans with Lender. Lender may at any time, with or without cause, notify the Broker that Lender will terminate Lender s sponsorship of the Broker. As of the effective date of the termination, Lender shall cease accepting Loan Application Packages which are FHA Mortgage Loans with the Broker. Compliance with Lender s Requirements Should Lender sponsor the Broker as an FHA Originator, the Broker shall comply with all of Lender s requirements including Lender s policies with respect to Compensation. The Broker acknowledges that Lender alone shall underwrite all Applications for FHA Mortgage Loans, and that all approved FHA Mortgage Loans shall be closed and funded in the name of Lender FHA Mortgage Loans Broker, upon sponsorship by Lender will be sponsored as an FHA Originator, the Broker shall comply in all respects with all lending requirements of FHA and all requirements of FHA pertaining to or governing FHA Originators, respectively. For each FHA Mortgage Loan, the Broker shall obtain an FHA Approval by Lender, and cause all conditions for the FHA approval to be met. GNMA Requirements Each FHA Mortgage Loan shall comply with GNMA Requirements as of the date of the closing of such FHA Mortgage Loan. Notification of Disciplinary or other action by FHA, HUD, GNMA, another Lender or any Agency. The Broker shall notify Lender in writing within 10 days following the initiation or threat of any disciplinary action, enforcement action, lawsuit, administrative proceeding or similar action or proceeding by FHA, HUD, GNMA, another Lender or any Agency or if any pending investigation by FHA, HUD or GNMA, another Lender, or any Agency against the Broker or any of the Broker s affiliated companies, or against any of the directors, officers, employees, or agents of either the Broker of any of the Broker s affiliated companies. FHA Mortgage Loans Eligibility Broker understands and agrees that FHA Mortgage Loans must be in full compliance with the Lender s requirements and, as applicable, the requirements of FHA as of the date of the FHA Approval is issued, provided, however, that the effective dates established by FHA for any amendments to that agency s rules or Lender or Lender s investor shall apply to the FHA Mortgage Loan. Each FHA Mortgage Loan is in full compliance with GNMA requirements as of the date of each closing of such FHA mortgage loans. Sponsorship of Broker for FHA Mortgage Loans Page 1 of 2 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

GNMA Representations and Warranties The Broker represents and warrants to Lender those representations and warranties contained in the GNMA requirements with respect to each FHA Mortgage Loan. IN WITNESS WHEREOF, the undersigned have executed or caused this Addendum to be executed by their respective authorized officers/personnel. ( Broker s Legal Name ) By: Printed Name Printed Name Title Date Lender By: Printed Name Title Date Sponsorship of Broker for FHA Mortgage Loans Page 2 of 2 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

VA AUTHORIZED AGENT REQUEST Approved Brokers wishing to become a VA Authorized Agent to take loan applications, request credit, appraisals, verify employment, verify deposits and conduct settlement on behalf of New American Funding Brokers must provide the following information. Company name DBA Office Address FEIN(Tax ID) Contact Name Title Email Address Phone FAX VA ID Number (Please provide approval letter if available) Check for $100 made payable to Department of Veterans Affairs Please send this form, along with the check to: New American Funding 14511 Myford Rd., Suite 201 Tustin, CA 92780 ATTN: Broker Desk Upon receipt of this form and the check, New American Funding will forward your request to the Department of Veterans Affairs for approval. Please note that approvals may take up to two months. Renewal fees are required by October for the following year and expire on December 31 st each year. New American Funding may underwrite VA Loans in each state that both New American Funding and the Broker are licensed to conduct business. VA Authorized Agent Request Page 1 of 1 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

CREDIT AUTHORIZATION A consumer credit report is required to complete the Broker Approval process with New American Funding. Each Principal, Owner and Broker of Record must sign this Credit Authorization. Names of any and all Principals with interest equal to or greater than 10% in the entity seeking approval must be listed on the broker Application as well as signing below. By signing below, each individual unequivocally consents to New American Funding obtaining verification of information from any source (including but not limited to credit and character references) and grants their approval for New American Funding to a consumer credit report in connection with this Application to become an approved Broker with New American Funding. Such authorization shall remain in full force and effect until such time as New American Funding is notified in writing that such authorization is rescinded. Name and Title Signature Date Name and Title Signature Date Name and Title Signature Date Name and Title Signature Date Name and Title Signature Date Principals, Officers and Broker of Record may provide a copy of their own credit report date no more than 60 days prior to the date of their Broker Application. Notwithstanding, New American Funding, at its sole discretion, reserves the right to request or obtain a current report upon review of report provided. Credit Authorization Initial Page 1 of 1 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

AUTHORIZATION TO RELEASE INFORMATION I/We hereby authorize you to release to New American Funding, (Lender) any and all information that they may require for the purpose of this transaction. Name Social Security Number Date of Birth Home Address Signature Date Name Social Security Number Date of Birth Home Address Signature Date Name Social Security Number Date of Birth Home Address Signature Date Authorization to Release Information Page 1 of 1 New American Funding 14511 Myford Road,Suite 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)

LENDER REFERENCES LIST As part of the application and background check process New American Funding requests that you provide the information listed below for three Lenders with which you currently conduct business. Lender Name Contact Name Phone Number Date Approved with Lender Amount of Monthly Volume Lender Name Contact Name Phone Number Date Approved with Lender Amount of Monthly Volume Lender Name Contact Name Phone Number Date Approved with Lender Amount of Monthly Volume Lender Reference List Page 1 of 1 New American Funding 14511 Myford Road, Suite. 201 Tustin, CA 92780 PH 877.999.0799 (Rev. Dec. 2013)