This information is not intended or authorized for consumer use. Credit and collateral are subject to approval . Terms and conditions may apply. This is not a commitment to lend.

Page 1 of 8

Copyright © 2015-2018 Mountain West Financial, Inc. All rights reserved. The mountain logo is the registered trademark of Mountain West Fina ncial, Inc. Rev 06-01-2020

Loan Eligibility Requirements

Product Code

CF30USPL05% - Freddie Mac HFA USB PLATINUM 0.5% CF30USPL05%S - Freddie Mac HFA USB PLATINUM 0.5% SELECT

CF30USPL1% - Freddie Mac HFA USB PLATINUM 1% CF30USPL1%S - Freddie Mac HFA USB PLATINUM 1% SELECT CF30USPL1K - Freddie Mac HFA USB PLATINUM 1K CF30USPL1KS - Freddie Mac HFA USB PLATINUM 1K SELECT

CF30USPL2% - Freddie Mac HFA USB PLATINUM 2% CF30USPL2%S - Freddie Mac HFA USB PLATINUM 2% SELECT CF30USPL3% - Freddie Mac HFA USB PLATINUM 3%

CF30USPL3% - Freddie Mac HFA USB PLATINUM 3% CF30USPL3% - Freddie Mac HFA USB PLATINUM 3% No MI CF30USPL3%S - Freddie Mac HFA USB PLATINUM 3% SELECT CF30USPL3%S - Freddie Mac HFA USB PLATINUM 3% SELECT

CF30USPL3%S - Freddie Mac HFA USB PLATINUM 3% SELECT No MI

CF30USPL4% - Freddie Mac HFA USB PLATINUM 4% CF30USPL4%S - Freddie Mac HFA USB PLATINUM 4% SELECT CF30USPL5% - Freddie Mac HFA USB PLATINUM 5% CF30USPL5%S - Freddie Mac HFA USB PLATINUM 5% SELECT

FF30USPL3% - FHA FIXED 30YR PLATINUM 3% FF30USPL3%S - FHA FIXED 30YR PLATINUM 3% SELECT FF30USPL4% - FHA FIXED 30YR PLATINUM 4%

FF30USPL5% - FHA FIXED 30YR PLATINUM 5% FF30USPL4%S - FHA FIXED 30YR PLATINUM 4% SELECT FF30USPL5%S - FHA FIXED 30YR PLATINUM 5% SELECT

PLZPS - PLATINUM ZERO-PERCENT SECOND

Loan Type Property Type Occupancy Purpose

Max Sales

Price

Max

Loan

Max

LTV/CLTV

Min

FICO

Score

Max DTI

Ratio

Max

Assistance

CONV (Freddie Mac

HFA Advantage) 1 Unit SFR /

Condos / PUDs

Primary Residence

Purchase/

Refinance (No cash out)

By County

$510,400

97%/105%

640

45.00% >680 : 50.00%

At or below 80% AMI: 3.0%, 4.0% or 5.0%

Above 80% AMI: 3.0%

CONV (Freddie Mac HFA GSFA-

Paid MI)

660 AMI of 80% less: Choice of

$1000 or 3.0%

Above 80% AMI: 0.5%

FHA

1-2 Units SFR / Condos / PUDs

Purchase Only 96.5%/105%

660

3.0%, 4.0% or 5.0%

Manufactured 680

Page 2 of 8

Rev 06-01-2020

These program parameters pertain to the housing agency’s guidelines as of the status date noted on this Program Overview. Program

guidelines should be confirmed with the respective agency prior to loan submission to ensure the use of the most current para meters.

When combined with any program, the stricter underwriting guidelines will always prevail.

First Mortage with Community Second Program (CSP)

Status : Approved

Status Date: 06-01-2020 Fi rs t Mortgage Types : Conv., FHA

Divis ions Approved: Reta i l /Wholesa le Specia l Comments/Updates: Platinum Select i s ava ilable as a Grant for borrowers in certa in profess ions.

Offering Agency Information

Agency Name: Golden State Finance Authori ty

EIN/Tax ID: GSFA: 68-0322272 Address : Golden State Finance Authori ty

1215 K Street, Sui te 1650 Sacramento, CA 95814

Phone Number: 916.384.1619 Fax Number: 916.444.3219 Contact Person: Danh T. Nguyen 866.643.4968

Meagan Harris 855 740.8422 Contact Emai l Address : dnguyen@rcrcnet.org mharris@rcrcnet.org Also mhrequests@usbank.com. (US Bank

Manufactured Hous ing Division)

Ti tle: DN: Program Admi nis trator MH: Program Coordinator/Tra iner

Webs ite Links : Golden State Finance Authori ty Master Servicer: U.S. Bank Home Mortgage – HFA Divis ion (USBHM)

Investor: U.S. Bank Home Mortgage – HFA Divis ion (USBHM)

Program Adminis trator: Golden State Finance Authori ty Tra ining Requirements: Recommended but not required. See GSFA Lender Tra ining

Program Information:

Program Name(s ) Golden State Finance Authori ty Platinum Program

Program Name Acronym: GSFA Platinum Program Summary: Platinum provides down payment and clos ing cost assistance in the form of a forgivable second

mortgage loan, up to 5% of the fi rs t mortgage Note amount and is not l imited to fi rs t time homebuyers . GSFA Platinum Select provides a Conventional or FHA 1st with DPA in the form of a non-repayable grant instead of a forgivable second mortgage to borrowers in certa in profess ions. GSFA-Paid MI options : < 80% AMI: $1,000 second mortga ge or 3% second mortgage.>80% AMI: 0.50%

Program Link(s ): GSFA Platinum

Lender Participation Agreement: Required. MWF is approved. Agency Type: Government

State: CA

County: Al l counties throughout CA Speci fic Location(s ): N/A

Borrower Cri teria : Platinum Select el igible borrowers must be in, or reti red from, one of the fol lowing professions in CA. GSFA wi l l not make any exceptions . Please verify that your borrower’s occupation is on the

list of approved occupations for this product. Please send proof of Select eligibiity at time of lock.

Peace officers, Sheriff Deputies, Border Patrol Agents, Correctional Officers and others serving in a Law Enforcement capacity and employees of the eligible agency.

Firefighters, CalFire, Paramedic, Emergency Medical Technicians (EMTs), including the employees of the el igible agency.

Current members of the California State Teachers Retirement System (CalSTRS), University of Ca l i fornia Retirement Plan (UCRP), employees of a Ca lifornia accredited Private, Charter or Public School District or Ca lifornia State University, Junior College or Private College, including their school employees. Verify a K-12 school’s accreditation at: http://directory.acswasc.org/

Page 3 of 8

Rev 06-01-2020

These program parameters pertain to the housing agency’s guidelines as of the status date noted on this Program Overview. Program

guidelines should be confirmed with the respective agency prior to loan submission to ensure the use of the most current para meters.

When combined with any program, the stricter underwriting guidelines will always prevail.

Employees do not need to be tenured Part-time employees are eligible Medical sector employees must be actively employed. Examples of el igible professi onals and employees include: Health Services (HHS), Nurs ing homes. Doctor’s offices , Medica l research,

Medica l labs, Lab/medica l office couriers , Chiropractic and Dentist offices Fi rs t Time Homebuyer: Not restricted to fi rs t time homebuyers .

Other property owned: Occupant borrower i s l imited to two financed properties , including the subject property.

When the LTV/CLTV >95%, the borrower cannot reta in ownership interest in other

properties financed by U.S. Bank

Minimum Borrower Contribution: Fol low investor guidelines.

No minimum borrower contribution from borrower personal funds i s required by GSFA. Income Limits : Income l imits for Conventional <80% AMI are determined by county and loan type.

≤ 80% AMI (Area Median Income): These borrowers have separate, more attractive pricing and DPA options ; and

remain el igible for the Charter Level Coverage MI for the Freddie Mac HFA Advantage product. > 80% AMI:

These borrowers have l have separate pricing and DPA options ; have s tandard coverage MI; and

No income l imits . FHA has no income l imits See Platinum Income Limits for borrowers <80% AMI

Income l imits for targeted areas are the same as the s tandard Platinum income l imits . Note: GSFA Paid MI option wi l l not increase the loan l imit of $450,000 in 2018 (MGIC overlay). GSFA MCC: See GSFA MCC Income and Sa les Price Limits

Income Calculation Method: Program el igibi lity income is based on qual ifying income NOT household income.

Sa les Price Limits : Platinum: US Bank and GSFA do not have sa les price l imits , only loan l imits. For the sa les price l imit for the GSFA MCC: See GSFA MCC Income and Sa les Price Limits

Homebuyer Education: Freddie Mac Advantage: Required for one borrower if all borrowers are first time homebuyers. HBE

course must be completed prior to closing. See CreditSmart Homebuyer Education. . Per US bank Freddie Mac Home Possible Advantage homebuyer education requirements or Fannie Mae HomeReady

homebuyer education requirements are acceptable as well. FHA: No Homebuyer Education Requireme nt

Maximum Loan Amount: Freddie Mac HFA Advantage loans: Avai lable up to conforming loan l imits by County FHA: https ://entp.hud.gov/idapp/html/hicostlook.cfm GSFA-Paid MI: Up to $450,000.

Maximum Ass is tance Amount: FHA:3%, 4% or 5% of Note amount

Freddie Mac above 80% AMI: 1%, 2% or 3% of the Note amount

Freddie Mac below 80% AMI: 3%, 4% or 5% of the Note amount GSFA Paid MI <80% AMI: $1,000 or 3% of the Note amount. >80% AMI: 0.50% of the Note

amount Platinum Select: Al l the above options are ava i lable for Select borrowers , with the ass istance

provided as a grant instead of a loan. Loan and grant options cannot be combined.

GSFA MCC: 20% Federa l Tax Credit Use of Subordinate Funds: Down payment and/or clos ing costs

GSFA MCC: Federa l Tax Credit Minimum Reserves : Conventional : No reserves required for AUS underwri tes . For manual underwri tes: 2 months

PITIA (principa l , interest, taxes , homeowner's insurance, mortgage insurance, association fees) reserves required unless product/property type requires a lower DTI or > 2 months reserves per

GSE or insurer.

Maximum Assets : GSFA Platinum does not have any program assets requirements .

Debt to Income Ratio: FHA and Conventional :

<680; 45% with LPA Accept

Page 4 of 8

Rev 06-01-2020

These program parameters pertain to the housing agency’s guidelines as of the status date noted on this Program Overview. Program

guidelines should be confirmed with the respective agency prior to loan submission to ensure the use of the most current para meters.

When combined with any program, the stricter underwriting guidelines will always prevail.

>680 50% LPA Accept GSFA Paid MI:

45% (660-679 credit score); 50% (680+ credit score) For manually underwritten conventional loans, maximum allowable DTI is 36% unless a lower

maximum DTI is required for product/property type per GSE or Insurer

Minimum FICO: 640 Conventional 660 FHA and GSFA Paid MI

680 Manufactured GSFA MCC: Fi rs t mortgage guidel ines

Maximum LTV/CLTV: AUS: 97% LTV/105% CLTV. Freddie Mac manual ly underwri tten loans LTV 95%.

Occupancy: Primary res idence only.

MCC Permitted (Y/N): Borrowers are encouraged to apply for the GSFA MCC concurrently with the Platinum program.

1st Loan/Repayment Terms:

Interest Rate: Interest rate based on product type and DPA amount. Pricing i s ava i lable through Price My Loan.

Term: 30 year fixed

Loan Purpose Type: FHA: Purchase only

Conventional and Conventional GSFA-Paid MI: Purchase or refinance with no cash out

Mortgage Insurance: Conventional: <80% AMI: HFA Charter level mortgage insurance coverage for Freddie Mac HFA Advantage:

80.01-85% LTV: 6%

85.01-90% LTV: 12% 90.01-95% LTV: 16%

95.01-97% LTV: 18% (Single premium financed MI i s NOT permitted with LTVs 95.01-97%) Conventional: >80% AMI will have standard MI coverage

Monthly BPMI is Cancellable Delegated MI is allowed up to 97%

Any MI company can be used for the Platinum program. Borrower paid monthly, s ingle premium and split premium are allowed

2nd Loan/Repayment Terms:

Interest Rate: 0%

Term: 3 years

Repayment-If Deferred, # of Months

Remaining ba lance is due i f sold, transferred or property i s no longer owner-occupied prior to three years .

Forgiveness of Debt (i f any): Forgiven 1/3 annually and remaining ba lance is forgiven enti rely after three years of ownership. Lien Pos i tion (2nd, 3rd, 4th): 2nd. Neither US Bank nor GSFA have any overlays regarding a MWF -approved CSP DPA going in to

3rd pos i tion

Property Requirements:

El igible Properties 1 unit SFRs , Condos , Townhomes, PUDs Manufactured and 2 units on FHA only

Income Limits : Income l imits for Conventional are determined by county and loan type Income l imits for FHA fol low FHA guidel ines.

See Platinum Income Limits Income l imits for targeted areas are the same as the s tandard Platinum income l imits .

Note: GSFA Paid MI option wi l l not increase the loan l imit of $450,000 in 2018 (MGIC overlay).

GSFA MCC: See GSFA MCC Income and Sa les Price Limits

Inel igible Properties : FHA: 3-4 Units

Conventional : 2-4 units

Manufactured Hous ing Condominiums Single-wide manufactured homes

Co-op

Page 5 of 8

Rev 06-01-2020

These program parameters pertain to the housing agency’s guidelines as of the status date noted on this Program Overview. Program

guidelines should be confirmed with the respective agency prior to loan submission to ensure the use of the most current para meters.

When combined with any program, the stricter underwriting guidelines will always prevail.

Second Home Investment Property

Any property with a PACE or HERO loan not being pa id off. Other Property Requirements : For purchase transactions with an outstanding PACE loan on the property, the PACE loan

cannot be assumed by borrower even when assessed to the tax bi l l . The PACE funding must be pa id in ful l prior to or at the clos ing of our mortgage. Subordination is not a l lowed.

Refinance transactions with outstanding PACE loans : Must be pa id in ful l . Subordination is not a l lowed.

Refinance transactions paying off PACE funding can be class ified as a no -cash-out refinance.

1st Mortgage Fees (Payable to):

Origination Fee: 2.00% Origination Fee

Underwri ting Fee: $995 to MWF Process ing Fee: Currently, up to $995 3rd party process ing fees are a l lowed. The broker may charge a process ing

fee as long as tota l compensation including the origination fee i s within the broker’s a l lowable comp plan.

Compl iance Review Fee: N/A Master Servicer Funding Fee: $400 to U.S. Bank (charged to the borrower and netted out at purchase)

Other Fees : See MWF Fee Chart.

GSFA MCC Fees : o $295 Additional MWF Doc Prep Fee for MCC.

o $450, when used in conjunction with a GSFA loan (Platinum or HOT o Reservation Confi rmation must be sent with the clos ing package o $650 Stand-a lone fee

o Late Submission $100. o $550 MCC Re-issuance Fee

Current MCC promotion: $200 off appl ication fee when used with a GSFA DPA. A document reflecting Platinum lock with borrower/property information must be sent with the clos ing package. See GSFA MCC webs i te for current promotion.

Fees are to be col lected from borrower at clos ing and sent to GSFA with the clos ing package.

2nd Mortgage Fees (Payable to):

Process ing Fee: N/A

Other Fees : Fees charged on the Second Loan cannot exceed 1% of the Second Loan amount (recording fees and transfer taxes are not included in the 1% maximum). Any fee i s to be disclosed on the 1st mortgage.

Comments : N/A

Registration/Submission:

Lock Timeframe: MWF wi l l accept lock requests for Platinum programs from 8:30 AM to 3:00 PM PT.

# of Days for Rate Lock: Locks are ava i lable for up to 30 days . There i s no cost reduction for shorter lock periods .

Extens ion Pol icy: Loans under the GSFA program are not el igible for MWF’s re -lock and extens ion policies. Extens ions beyond 30 days require approval by GSFA. At a minimum, the extens ion fee wi ll be 0.375% of the loan amount. The fee i s determined by GSFA and may be higher depending on market conditions .

Cancelation Pol icy: If a loan is canceled for whatever reason, whether withdrawn or denied, GSFA charges a $400.00 cancel lation fee. This fee wi l l be charged to the originating office. If a loan has been canceled, i t may only be re-locked after 30 ca lendar days from the cancel lation date.

Additional Lock Requirements: Platinum Select appl ication must have evidence of borrower’s el igibi lity by profess ion (Current employee ID badge or paystub) uploaded within 5 days of reservation Acceptable formats

inclulde PDF, BMP, GIF, JPG and IMG. See Reta i l Capital Markets Pol icy for other complete Locks requirements . MWF does not a l low discount points for lock extens ions.

Disclosures:

Firs t Mortgage Regis tration: The MLO wi l l be responsible for i ssuing a Ful l Disclosure Package on the 1st mortgage.

Page 6 of 8

Rev 06-01-2020

These program parameters pertain to the housing agency’s guidelines as of the status date noted on this Program Overview. Program

guidelines should be confirmed with the respective agency prior to loan submission to ensure the use of the most current para meters.

When combined with any program, the stricter underwriting guidelines will always prevail.

Ass is tance/Subordinate: The GSFA Partia l Exemption Disclosure i s to be included in the fina l docs PTF. The loan processor wi l l make this request when requesting final docs to be drawn.

Loan Submiss ion: The Reservation Confi rmation from GSFA must be submitted to U.S Bank with the mortgage loan fi le.

QM: Exempt from QM, thus QM Points and Fees test does not apply.

HPML: GSFA loans are not exempt from the HOEPA and/or HPML requirements . Cannot exceed SOEPA’s 5% Points and Fees threshold and must meet HPML. USBMH wi l l NOT purchase a High Cost

Mortgage.

Appraisal

Appraisa l Requirements : As per GSE guidel ines. U.S. Bank requires an SSR from Freddie Mac or Fannie Mae in every Conventional loan fi le.

Underwriting

AUS: FHA: DU – Approved/El igible; LPA – Accept/Approved. LPA: Fol low Freddie Mac guidelines.

Conventional: Conventional loans must be run through Freddie Mac’s Loan Product Advisor (LPA) and receive a purchase el igible Accept through LPA. When running LPA on Conventional , show the Platinum funds as a gi ft in LPA and have i t remain

as secondary financing. HFA Advantage through LPA: “Accept” (select “Home Poss ible Advantage for HFAs”).

For GSFA-Paid MI, UW is to remove MI payment.

NOTE: My Community Mortgage (MCM), HomeReady & s tandard products are NOT permitted. In addition to other Investor Feature Identi fiers that may apply:

IFI 583 should be used for Home Poss ible mortgages with an Affordable Second. IFI G18 should be used for Home Poss ible mortgages with Affordable Second entered into LPA in “Tota l Gi ft Fund” field.

Manual Underwri ting: FHA: Manual Underwri ting i s not a l lowed for FHA loans .

Conventional: Permitted for loans with an LTV of 95% or below. At least one borrower must have a usable credit score and an indicator score must be established and meet the required l imits .

Maximum al lowable DTI i s 36% 2 months PITIA (principa l, interest, taxes , homeowner's insurance, mortgage insurance, association fees) reserves required unless product/property type requires a lower DTI or > 2 months reserves per GSE or insurer. No manual underwri ting for LTVs above 95%.

Co-Signors : Non-occupying co-s ignors permitted per FHA guidel ines. Co-s ignors cannot take ti tle to the property.

Non-occupying co-s ignors NOT a l l owed on the Freddie Mac HFA Advantage program. Platinum Select: Co-s igners may not be the program el igible profession quali fier.

Non-Occupant Co-Borrowers : Non-occupying co-borrowers NOT allowed on the Conventional Freddie Mac HFA Advantage program

Gift Funds : Al lowed Sel ler Contribution: Fol low investor guidelines. Prior-to-Doc Conditions : Standard prior-to-doc conditions.

Prior-to-Funding Conditions : Underwri ter wi l l condition for: Standard prior-to-doc conditions

Cash back to buyer can only come from excess EMD money. See “Fi le Submiss ion to Underwriting Stacking Order” section of U.S. Bank

Compl iance Fi le: N/A

MWF Overlays : Conventional : No 2-4 unit properties . FHA: No 3-4 unit properties . U.S. Bank prohibi ts any property with HERO, Empower, PACE Funding, EVest, etc. funding. The Property Assessed Clean

Page 7 of 8

Rev 06-01-2020

These program parameters pertain to the housing agency’s guidelines as of the status date noted on this Program Overview. Program

guidelines should be confirmed with the respective agency prior to loan submission to ensure the use of the most current para meters.

When combined with any program, the stricter underwriting guidelines will always prevail.

Energy loan must be pa id in ful l prior to clos ing. U.S. Bank prohibi ts su bordination of these loans.

Loan Documents/Funding

Linked Loan: The associated assistance is a forgivable second mortgage loan under product code PLZPS - PLATINUM ZERO-PERCENT SECOND

Clos ing Disclosure: Standard CD procedures apply Hazard Insurance Information: US Bank requires the coverage to be the higher of the loan amount or 80% of the ful l

replacement cost i f the insurable improvements . 1st Mortgage Clause: Mountain West Financial, Inc., i ts successors and assigns 1209 Nevada St. Ste. 200 Redlands, CA 92320

2nd Mortgage Clause: N/A Hazard/Flood Insurance Max

Deductible:

FHA: The greater of $2,500 or 2.5 percent of the face amount of the pol icy.

Conventional : May not exceed 5 percent of the face amount of the pol icy. MERS: The fi rs t mortgage is regis tered in MERS. The second mortgage can be regis tered in MERS

(optional ). Cash Back a l lowed? Cash back to buyer can only come from excess EMD money

Max Cash to Borrower: N/A

Excess Funds : Any remaining Ass istance must be applied as a principal reduction.

Loan Doc Provider at Clos ing: MWF

Manufactured: Required l ien perfection documentation: Complete and recorded copy of HCD 4334 form. US Bank wi l l only accept HCD 433C i f a HCD search i s included.

Note Closed in the Name of: MWF Requesting Docs : A request for loan documents for the 2nd TD MUST be sent to your Closer

Wiring of Funds : MWF funds the 1st and subordinate separately – 2 separate wires are sent. Grant wi l l be overfunded and included in the wire on the 1st.

Notice Prior to Funding: N/A

Ti tle Insurance: Standard ALTA pol icy Manufactured : U.S. Bank wi l l only accept the Manufactured Home endorsement that i s i s sued

with the 2006 pol icy and wi l l no longer accept the previous ly i ssued ALTA 7 endorsement. If a ti tle company refuses to i ss ue an ALTA 7.1-06, the loan should not close. Begin tracking down the vehicle ti tle or evidence that the ti tle has been surrendered immediately. This should not be left

unti l clos ing. Impound Requirements : Fol low standard MWF and investor guidel ines.

Required Documents : See GSFA Checkl i s t Late Payment Information: Grace Period: 15 days

Late Payment Percentage: May not exceed 5% for Conventional , 4% for Government or the maximum al lowable percentage per s tate guidelines

Col latera l Process : The origina l Note i s reta ined by the Post Clos ing Department unti l the fi le i s ready to be shipped. The Note i s to be endorsed by Mountain West Financial, Inc.

Post Closing

Credit Package Del ivery/Checkl i s t: Credit Package is sent to US Bank. The US Bank Del ivery and Funding Checkl i s t are found within the US Bank web s i te. For the checkl i s t, see www.mrbp.usbank.com. Cl ick on US Bank Lending

Manuals . Pop-up box wi l l appear, cl ick on Continue. Web page wi l l be redirected to US Bank Al l Regs s i te. Cl ick on Hous ing Finance Authori ty folder. Must include the Freddie Mac Loan Clos ing Advisor Feedback Certi ficate with a l l GSFA Platinum Conventional loans submitted to US Bank for review and purchase.

Compl iance Fi le

Del ivery/Checkl i s t:

Compl iance Fi le i s sent to U.S. Bank. Checkl i s t i s located at https ://www.usbank.com/corporate-

and-commercia l -banking/industry-expertise/correspondent-lending.html . Cl ick on US Bank Lending Manuals. Pop-up box wi l l appear, cl ick on Continue. Web page wi l l be redirected to US Bank Al l Regs s i te. Cl ick on Hous ing Finance Authori ty folder.

# of Days to Purchase Fi le: 7 ca lendar days

Extens ion Requests : Lock cannot be expired Additional Requirements : Final Docs address:

U.S. Bank Home Mortgage

Page 8 of 8

Rev 06-01-2020

These program parameters pertain to the housing agency’s guidelines as of the status date noted on this Program Overview. Program

guidelines should be confirmed with the respective agency prior to loan submission to ensure the use of the most current para meters.

When combined with any program, the stricter underwriting guidelines will always prevail.

ATTN: HFA FINAL DOCUMENTS 7601 Penn Avenue South, Sui te A1

Richfield, MN 55423 Endorsement Sample: Pay to the Order of:

U.S. Bank National Association Without Recourse

By:______________________(s ignature) XYZ Mortgage Corporation (ful l lega l name) John Doe, Vice Pres ident (typed name & ti tle)