SAMPLE Loan Package

Mikos
Sample Document for National Notary Association Signing Agent Certification Training
MIKOS ESCROW, INC.
555 N. JUNE ST
MODESTO, CA 95963
Phone: (555) 555-5555
CLOSING VENDOR ORDER
Order Number: 08-5555555-C

Order Date: 05/06/20XX 09:3905/06/2013 09:39 PST
Vendor Charge: $XXX.00

Vendor No: 00055555
Vendor Name: MEGAN BRADY
Vendor Address: 520 13TH ST
MODESTO, CA - 95354-2438
Vendor Phone: (555)555-5555 Vendor Fax: (000)000-0000
Assignment Type: Web Documents
Assigned Date: 06/14/20XX 13:10 PST
Closing Option: Agent's Office
Projected Closing Date: 06/17/20XX18:00
Borrower: ROGERS, RICHARD WILLIAM
Home Phone: (555)322-7212
Borrower:
Work Phone: (555)555-5555 Cell Phone: (555)555-5555
Purchase: REFINANCE
Closing Location: 12345 GLORIETTA LANE, OAKDALE, CA - 95361-9258
Loan Number: 1234567890
Loan Amount: $205,631.00
COMMENTS:
FOR AFTER HOUR QUESTIONS, PLEASE CONTACT LOC WATERS, 555-555-5555.
Please read all instructions carefully before completing the signing appointment.
Borrower(s) should be contacted to confirm appointment date, time and location.
All documents should be printed and returned in the order they are attached. Do not
shuffle pages in the package. Documents should not be cutoff. Most files are uploaded
as mixed originals, when in doubt print on legal size paper. You will be contacted by a
MIKOS representative when documents are ready to be printed.
All signed documents must be dropped within 4 hours of the closing using the courier
label attached. After hours closings must be dropped by noon the next business day.
After documents have been dropped, please login to www.mikos.com to confirm the
signing has been completed.
Failure to comply with the instructions above could result in a reduction or waiver of
your signing fee.
Closing Vendor Login Instructions:

- Go to www.mikos.com and go to Access Your Account
- User ID is your vendor number (DO NOT ENTER PRECEDING ZEROS)
- Password is: MIKOS (unless you have already changed)
****Please direct all billing and payment inquiries to [email protected]****
1
This email is your confirmation for the Jackson, for 5/16/20XX, @ 3:00 PM.
Questions before, during or after the appointment......Call 1-800-723-2408, Option 3.
****SPECIFIC SIGNING INSTRUCTIONS FOR THIS APPT****

****DOCS MUST BE DROPPED FOR DELIVERY TOMORROW***
***PLEASE COLLECT COPY OF SIGNER'S PHOTO ID TO RETURN WITH THE DOCUMENTS. THE SIGNER(S) HAVE BEEN
MADE AWARE TO HAVE THE COPY AVAILABLE TO GIVE TO YOU. IF FOR ANY REASON THEY WERE UNABLE TO GET A
COPY MADE, PLEASE USE YOUR SMART PHONE (IF POSSIBLE) TO TAKE A CLEAR PICTURE OF THE ID, AND EMAIL IT
TO US***
BORROWER INFORMATION:
Richard William Rogers Day Phone: 626-335-7313
8624 Oaklawn Ave. Evening Phone:
Modesto , CA 95355 Other Phone:
Qty of Loans: 1
Loan #1: 5400234599-JA Docs Sent Via: E-Docs
Loan Types: Shipping Co:
Refi Tracking #:
SHIPPING INSTRUCTIONS: Shipper/Account:
Label included with docs.
If no label was included with docs, please contact Signings at 800-723-2408 (option 3) or via email at
[email protected].
FEE AGREEMENT
Loan Signing $XX.00 Qty: 1
If you have any questions during the signing please contact us before calling any other parties.
***DO NOT INCLUDE THIS FORM, ANY INVOICE, OR CORRESPONDENCE WITH THE RETURNED DOCUMENTS***
Thank you,
Signings Escrow & Lender Services
[email protected]
CLOSING INSTRUCTIONS:
*** PLEASE MAKE SURE TO CONFIRM WITH THE BORROWER ONCE YOU RECEIVE THIS
CONFIRMATION ***
If you have ANY questions or problems, please contact the Service Signing CLOSING TEAM directly
at 800-123-4567
CLOSING PREPARATION:
1. Please be sure to dress in BUSINESS OR BUSINESS CASUAL attire.
2. Please take TWO copies of the documents to the closing. One full set is to be given to the
Borrower for their records.
***NOTE***
If the borrower requests an electronic copy of the closing documents, please inform your Service Signing representative.
You as the Signing Agent should NEVER provide an electronic copy of documents to the Borrower. Inform the borrower you
will submit their request and they will receive them from our office via Secured Email.
3. If for any reason you are going to be LATE to a signing, you MUST reach out to the Borrower(s)
''and'' the Service Signing Closing Coordinator listed on the Closing Instructions to advise of the
situation. If you need to reschedule the original closing appointment, you MUST first inform your the
Service Signing Closer prior to speaking with the Borrowers directly.
AT CLOSING:
Please make certain you review the Closing Instructions that you will receive with the closing
package to ensure ALL documents are signed correctly.
1. Please use blue ink when signing the papers.
2. Please review each loan document signed to ensure that no signatures, initials, dates, etc. were
omitted.
3. If the Borrower has any questions at the closing, and they cannot reach their Loan Officer please
contact your Service Signing Closing Coordinator or Team Lead.
4. On the Truth In Lending statement, it MUST be initialed at the bottom right hand corner, but not in
the margin.
5. Customer Identification Form - If info is already filled in on page 2, 3, or 4, verify that info with one
of the corresponding boxes and complete page 1.
**If there is no info checked to be verified then you MUST complete Name Verification on page 2,
Address Verification on page 3, and Date of Birth Verification on page 3 - 4 all with one of the
corresponding boxes.
6. Errors & Omissions - Please make sure that ALL parties on title are signing this form.
***PLEASE PAY SPECIAL ATTENTION TO THE PAYPLAN ENROLLMENT AUTHORIZATION. DO
NOT LEAVE IT BLANK. THEY MUST INDICATE THAT THEY ARE DECLINING OR ACCEPTING
ENROLLMENT.***
AFTER CLOSING:
1. You are REQUIRED to fax CRITICAL FUNDING DOCUMENTS to one of the following Service
Signing fax numbers 800-123-4567
***Please refer to the fax back checklist and requirements page for list of documents.***
2. Please be sure to use the UPS label/account number provided and drop the package ''after'' you
have faxed the critical documents and ‘‘Receive'' a phone call or email from Service Signing
confirming docs are ''ok'' to ship. If you don't hear from Service Signing please drop documents after
24hrs of the closing.
3. PLEASE DO NOT update the signing completion status on the website. You are required to
complete the e-billing but do not update STATUS via the website.
If you have ANY questions or problems, please contact the Service Signing CLOSING TEAM directly
at 800-123-4567, Option #4.
Thank you!
NOTE: If you are in a "Witness State" (CT, FL, GA, LA*, MI, OH, SC, VT, WY), be sure you or the borrowers have arranged to
have a witness present at the signing. *LA requires two witnesses.
Closing Disclosure document with your Loan Estimate.
Closing Information Transaction Information Loan Information

Date Issued 3/13/20XX Borrower Richard William Rogers Loan Term 30 years
8624 Oaklawn Ave. Refinance
Closing Date
Disbursement Date
4/15/20XX
4/15/20XX
Modesto, CA 95355
Purpose
Product Critical
Fixed Rate
Settlement Agent
File #
Stallwart Title
12-3456
Lender Tristar Finance Group
Loan Type Document
X Conventional FHA
Property 8624 Oaklawn Ave. VA _____________
Modesto, CA 95355 Loan ID # 123456789
Appraised Prop. Value $280,000 MIC # 009874513
Loan Terms Can this amount increase after closing?

Loan Amount $205,631.00 NO
Interest Rate 3.25% NO Loan terms

Monthly Principal & Interest $894.92 NO
previously found
See Projected Payments below for your on HUD-1, page 3
Estimated Total Monthly Payment
Does the loan have these features?

Prepayment Penalty NO
Balloon Payment NO
Projected Payments
Projected payments
Payment Calculation Years 1-4 Years 5-30
previously found on
Principal & Interest $894.92 the TIL$894.92
Mortgage Insurance + — + —
Estimated Escrow + 445.23 + 445.23
Amount can increase over time
Estimated Total
Monthly Payment $1,340.15 $944.04
This estimate includes In escrow?
Estimated Taxes, Insurance X Property Taxes YES
& Assessments $445.23 X Homeowner’s Insurance YES
Amount can increase over time a month X Other: HOA Dues NO
See details on page 4
See page 4 for escrowed property costs. You must pay for other property
costs separately.
Borrower’s cost
Costs at Closing (itemized on
Closing Costs $4,976.08 Includespage 2) in Loan Costs + $2,762.07 in Other Costs – $500
$3,495.50
in Lender Credits. See page 2 for details.
Cash to Close $2,666.92 Includes Closing Costs. See Calculating CashNew

to Closelocation to look and
on page 3 for details.
X From To Borrower see if borrower needs
to give you a check at
CLOSING DISCLOSURE the
PAGEappointment —
1 OF 5 • LOAN ID # 123456789
previous line 303

on HUD-1
Closing Cost Details
Borrower-Paid Paid by
Loan Costs At Closing Before Closing Others
A. Origination Charges $1,950.00
01 % of Loan Amount (Points) $750.00
02 $250.00
03 $450.00
04 $500.00
05
06
07
08
B. Services Borrower Did Not Shop For $610.00
01 $405.00
02 $30.00
03 $20.00
04 $45.00
05 $65.00
06 $45.00
07
08
09
10
C. Services Borrower Did Shop For $935.50
01 $85.00
02 $50.00
03 $250.00
04 $350.00
05 $200.00
06
07
08
Borrower-Paid $3,495.50
Loan Costs Subtotals (A + B + C) $3,060.50 $435.00
Other Costs
E. Taxes and Other Government Fees $60.00
01 Recording Fees Deed: Mortgage: $60.00 $60.00
02
F. Prepaids $2,125.12
01 Homeowner’s Insurance Premium ( 12 mo.) $1,209.96
02 Mortgage Insurance Premium ( mo.)
03 Prepaid Interest ( $17.71 per day from 4/15/20XX to 5/1/20XX ) $283.36
04 Property Taxes ( 6 mo.) to Any County USA $631.80
05
G. Initial Escrow Payment at Closing $576.95
01 Homeowner’s Insurance $100.83 per month for mo. $201.66
02 Mortgage Insurance $82.35 per month for mo. $164.70
03 Property Taxes $105.30 per month for mo. $210.60
04
05
06
07
08 Aggregate Adjustment –$0.01
H. Other
01
02
03
04
05
06
07
08
Other Costs Subtotals (E + F + G + H) $2,762.07
Closing Costs Subtotals D + I $5,822.57 $435.00
Lender Credits –$500.00
CLOSING DISCLOSURE PAGE 2 OF 5 • LOAN ID # 0000000000

TO AMOUNT
01 Payoff to XYZ Mortgage and Lending $203,929.00
02
03
04
05
06
07
08
09
10
11
12
13
14
15
K. TOTAL PAYOFFS AND PAYMENTS $115,000.00
Calculating Cash to Close Use this table to see what has changed from your Loan Estimate.
Loan Estimate Final Did this change?
Loan Amount $150,000.00 $150,000.00 NO
Total Closing Costs (J) –$5,099.00 –$5,757.57 YES • See Total Loan Costs (D) and Total Other Costs (I)
Closing Costs Paid Before Closing $0 $435.00 YES • You paid these Closing Costs before closing
–$120,000.00 –$115,000.00 YES • See Payoffs and Payments (K)
Cash to Close $24,901.00 $2,666.92

From X To From X To
Borrower Borrower Closing Costs Financed (Paid from your Loan Amount)

Additional Information About This Loan
Loan Disclosures
Assumption Escrow Account
If you sell or transfer this property to another person, your lender For now, your loan
will allow, under certain conditions, this person to assume this X will have an escrow account (also called an “impound” or “trust”
loan on the original terms. account) to pay the property costs listed below. Without an escrow
X will not allow assumption of this loan on the original terms. account, you would pay them directly, possibly in one or two large
payments a year. Your lender may be liable for penalties and interest
Demand Feature for failing to make a payment.
Your loan
has a demand feature, which permits your lender to require early Escrow
repayment of the loan. You should review your note for details. Escrowed Estimated total amount over year 1 for
X does not have a demand feature. Property Costs
over Year 1
your escrowed property costs:
Late Payment
If your payment is more than ___ days late, your lender will charge a Non-Escrowed Estimated total amount over year 1 for
Property Costs your non-escrowed property costs:
late fee of ________________________________________________ over Year 1
Negative Amortization (Increase in Loan Amount) You may have other property costs.
Under your loan terms, you
Initial Escrow A cushion for the escrow account you
are scheduled to make monthly payments that do not pay all of Payment pay at closing. See Section G on page 2.
the interest due that month. As a result, your loan amount will
increase (negatively amortize), and your loan amount will likely
become larger than your original loan amount. Increases in your Monthly Escrow The amount included in your total
loan amount lower the equity you have in this property. Payment monthly payment.
may have monthly payments that do not pay all of the interest
due that month. If you do, your loan amount will increase will not have an escrow account because you declined it your
(negatively amortize), and, as a result, your loan amount may
become larger than your original loan amount. Increases in your costs, such as taxes and homeowner’s insurance. Contact your
loan amount lower the equity you have in this property. lender to ask if your loan can have an escrow account.
X do not have a negative amortization feature.
No Escrow
Partial Payments Estimated Estimated total amount over year 1. You

Property Costs must pay these costs directly, possibly
Your lender over Year 1 in one or two large payments a year.
X may accept payments that are less than the full amount due Escrow Waiver Fee
(partial payments) and apply them to your loan.
may hold them in a separate account until you pay the rest of the In the future,
payment, and then apply the full payment to your loan. Your property costs may change and, as a result, your escrow pay-
does not accept any partial payments. ment may change. You may be able to cancel your escrow account,
but if you do, you must pay your property costs directly. If you fail
to pay your property taxes, your state or local government may (1)
Security Interest
You are granting a security interest in you fail to pay any of your property costs, your lender may (1) add
the amounts to your loan balance, (2) add an escrow account to your
loan, or (3) require you to pay for property insurance that the lender
buys on your behalf, which likely would cost more and provide fewer
You may lose this property if you do not make your payments or
satisfy other obligations for this loan.
Adjustable Payment (AP) Table Adjustable Interest Rate (AIR) Table

Interest Only Payments? Index + Margin
Initial Interest Rate
Optional Payments?
Minimum/Maximum Interest Rate
Step Payments?
Change Frequency
Seasonal Payments? First Change
Monthly Principal and Interest Payments Subsequent Changes
First Change/Amount Limits on Interest Rate Changes
Subsequent Changes First Change
Maximum Payment Subsequent Changes

Loan Calculations Other Disclosures
Total of Payments. Total you will have paid after Appraisal This info
$334,211.11
you make all payments of principal, interest,
mortgage insurance, and loan costs, as scheduled. previously
If the property was appraised for your loan, your lender is required to
give you a copy at no additional cost at least 3 days before closing.
found on TIL
If you have not yet received it, please contact your lender at the
information listed below.
Finance Charge. The dollar amount the loan will
cost you. $134,516.19
Contract Details
See your note and security instrument for information about
Amount Financed. The loan amount available after
$199,694.92 • what happens if you fail to make your payments,
• what is a default on the loan,
• situations in which your lender can require early repayment of the
Annual Percentage Rate (APR). Your costs over
the loan term expressed as a rate. This is not your 3.940% APR may be higher
loan, and
• the rules for making payments before they are due.
interest rate. than interest rate
Liability after Foreclosure
Total Interest Percentage (TIP). The total amount because
If your lender foreclosesit reflects
on this property and the foreclosure does not
67.36%
of interest that you will pay over the loan term as a
percentage of your loan amount. cost of financing
cover the amount of unpaid balance on this loan,
state law may protect you from liability for the unpaid balance. If you
lose this protection and have to pay any debt remaining even after
foreclosure. You may want to consult a lawyer for more information.
state law does not protect you from liability for the unpaid balance.
?
Questions? If you have questions about the
loan terms or costs on this form, use the contact
information below. To get more information the property value, and market conditions. You may not be able to
or make a complaint, contact the Consumer
Financial Protection Bureau at
Tax Deductions
If you borrow more than this property is worth, the interest on the
loan amount above this property’s fair market value is not deductible
from your federal income taxes. You should consult a tax advisor for
more information.
Contact Information
Lender Mortgage Broker Settlement Agent
Name Tristar Finance Group Stallwart Title
Address 1000 Main Street 5555 Casandia Dr., Suite 2
Los Angeles, CA 91301 Modesto, CA 95822
NMLS ID 222222
ST License ID P76821
Contact Amir Kumar Joan Taylor
Contact NMLS ID 12345
Contact License ID
Email [email protected] [email protected]
ICUSBANK.
FICUSBANK.CO
Phone 123-456-7890 555-321-9876
this form.
Applicant Signature Date Co-Applicant Signature Date

Presents the Critical
settlement charges
for the loan
Document
SAMPLE DOCUMENT FOR NATIONAL NOTARY ASSOCIATION NOTARY SIGNING AGENT CERTIFCATION COURSE
OMB Approval No. 2502-0265
Good
USFaith Estimate
Department (GFE)
of Housing and Urban Development OMB No. 2502-0265
A. SETTLEMENT STATEMENT
B. Type of Loan
Name of Originator Tristar Financial Corp Borrower Richard William Rogers
1. [X] FHA 2. [] RHS 3. [] Conv. Unins. Originator
1000 Main Street
6. File Number: Property 7. Loan Number: 8. Mortgage Ins. Case #:
8624 Oaklawn Avenue, 13
4. [] VA 5. [] Conv. Ins. 6. [] Other Address
Los Angeles, CA 000-55555-000
90025
Address
1234567890
Los Angeles (Canoga Park area), CA 91304 55-55-5-12345678
C. NOTE: This form is furnished to give you a statement of actual settlement
Originator Phone Numbercosts. Amounts paid to and by the settlement agent are shown. Items marked 'POC' were paid outside the closing: they are shown
(310) 321-4567
here for information purposes and are note included in the totals.
Originator Email [email protected] Date of GFE 1/20/2010
D. NAME AND ADDRESS OF BORROWER: RICHARD WILLIAM ROGERS, 8624 OAKLAWN, MODESTO, CA 95355
Purpose This GFE gives you an estimate of your settlement charges and loan terms if you are approved for
this loan. For more information, see HUD’s Special Information Booklet on settlement charges, your
E. NAME AND ADDRESS OF SELLER: Truth-in-Lending Disclosures, and other consumer information at www.hud.gov/respa. If you decide
you would like to proceed with this loan, contact us.
Shopping for Only you can shop for the best loan for you. Compare this GFE with other loan offers, so you can find
F. NAME AND ADDRESS OF LENDER: yourTRISTAR
loan FINANCE GROUP
the best loan. 1000chart
Use the shopping MAIN STREET
on page 3 to compare LOS ANGELES,
all the offers you receive. CA 91301
Important dates 1. The interest rate for this GFE is available through 1/20/2010 1:23 pm . After this time, the
G. PROPERTY LOCATION 8624 OAKLAWN,interest
MODESTO, CA
rate, some of your loan95355
Origination Charges, and the monthly payment shown below can
change until you lock your interest rate.
2. This estimate for all other settlement charges is available through 2/1/2010 .
H. SETTLEMENT AGENT: Stallwart Title,3. After
5555 Casandra Blvd. Ste 2, Modesto, CA days
you lock your interest rate, you must go to settlement within
95822 (222) 222-2222
(your rate lock period)
PLACE OF SETTLEMENT: Stallwart Title, to5555
receiveCasandra Blvd.
the locked interest rate. Ste 2, Modesto, CA 95822 (222) 222-2222
4. You must lock the interest rate at least days before settlement.
I. SETTLEMENT DATE: 03-18-20XX DISBURSEMENT DATE: 03-21-20XX
Summary of Your initial loan amount is $ 202,000.00
your loan
J. SUMMARY OF BORROWER(S) TRANSACTION Your loan term is
K. SUMMARY OF SELLER(S)
30 years TRANSACTION
Your initial interest rate is 5.125 %
100. GROSS AMOUNT DUE FROM BORROWER: 400. GROSS 1,AMOUNT
Your initial monthly amount owed for principal,
099.86 DUE TO SELLER:
interest, and any mortgage insurance is $ per month
101. Contract Sales Price Can your interest rate rise? 401. Contract No
SalesYes,Price
it can rise to a maximum of %.
Borrower’s
The first change will be in .
102. Personal Property 402. Personal No
Even if you make payments on time, can your Property
Yes, it can rise to a maximum of $
loan balance rise?
103. Settlement charges to borrower (line 1400) $4,976.08 403.
Even if you make payments on time, can your No Yes, the first increase can be in
$203,924.00 404. cost

monthly amount owed for principal, interest, and the monthly amount owed can
104. PAYOFF and any mortgage insurance rise? rise to $ . The maximum it
can ever rise to is $ .
105. 405.
Does your loan have a prepayment penalty?
line for103
No Yes, your maximum prepayment
penalty is $ .
Adjustments for items paid by Seller in advance Adjustments items paid by Seller in advance
Does your loan have a balloon payment? No Yes, you have a balloon payment of
$ due in years.
106. City Property Tax Escrow account 406. City Property Tax
Some lenders require an escrow account to hold funds for paying property taxes or other property-
information related charges in addition to your monthly amount owed of $ 1,099.86 .
107. County Property Tax 407. County Property Tax
Do we require you to have an escrow account for your loan?
No, you do not have an escrow account. You must pay these charges directly when due.
108. Annual Assessment 408. Annual Assessment
Yes, you have an escrow account. It may or may not cover all of these charges. Ask us.
109. School Property Tax Summary of your 409. School Property Tax
settlement charges A Your Adjusted Origination Charges (See page 2.) $ 3,310.00
110. MUD Tax 410. MUD Tax
B Your Charges for All Other Settlement Services (See page 2.) $ 7,086.33
111. Other Tax A+ B Total
411.Settlement
Estimated
Other Tax Charges $ 10,396.33
112. 412. Good Faith Estimate (HUD-GFE) 1
120. Gross Amount Due From Borrower $208,900.08 420. Gross Amount Due To Seller $0.00
200. AMOUNTS PAID BY OR IN BEHALF OF BORROWER: 500. REDUCTIONS IN AMOUNT DUE TO SELLER:
201. Deposit of Earnest Money 501. Excess Deposit
202. Principal Amount of New Loan(s) $205,631.00 502. Settlement charges to seller (line 1400) $0.00
203. 503. Existing Loan(s) Taken Subject to
204. Application Deposit 504.
205. 505.
206. 506.
207. 507.
208. 508.
209. 509.
Adjustments for items unpaid by Seller Adjustments for items unpaid by Seller
210. City Property Tax 510. City Property Tax
211. County Property Tax 511. County Property Tax
212. Annual Assessment 512. Annual Assessment
213. School Property Tax 513. School Property Tax
214. MUD Tax 514. MUD Tax
215. Other Tax 515. Other Tax
216. Prepaid Finance Charge $5,936.08 516.
217. 517.
218. 518.
219. 519.
220. Total Paid By/For Borrower $211,567.00 520. Total Reduction Amount Due Seller $0.00
300. CASH AT SETTLEMENT FROM/TO BORROWER: 600. CASH AT SETTLEMENT TO/FROM SELLER:
301. Gross Amount due from borrower (line 120) $208,900.08 601. Gross amount due to seller (line 420) $0.00
302. Less amounts paid by/for borrower (line 220) $211,567.00 602. Less reductions in amount due seller (line 520) $0.00
303. Cash [X] From [] To Borrower $ 2,666.92 603. Cash [] From [] To Seller $0.00
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are
not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory.This is designed to provide the parties to a RESPA covered
Line 303 will tell you

transaction with information during the settlement process.
if borrower needs
to give the Signing
Agent a check
US Department of Housing and Urban Development OMB No. 2502-0265
L. SETTLEMENT CHARGES
700. Total Real Estate Broker fees Division of commission as follows: Paid From Paid From
Borrower's Seller's
701. Funds at Funds at
702. Settlement Settlement
703. Commission paid at settlement

704.
800. ITEMS PAYABLE IN CONNECTION WITH LOAN
801. Our origination charge (from GFE #1)
802. Your credit or charge points for the specific interest rate chosen ($4,112.62) (from GFE #2) $3984.77
803. Your adjusted origination charges (from GFE A) ($0.00)
804. Appraisal Fee (from GFE #3)
805. Credit Report (from GFE #3) $29.85
806. Tax Service (from GFE #3)
807. YIELD SPREAD PREMIUM (from GFE #3) $1028.16
808.
809.
810.
900. ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANCE 901.
Daily Interest 03/18/20XX TO 04/01/20XX 14 DAYS @$18.3096/DAY (from GFE #10) $256.33
902. Mortgage Insurance Premium (from GFE #3)
903. Homeowners Insurance (from GFE #11)
904.
905.
1000. RESERVES DEPOSITED WITH LENDER
1001. Initial Deposit for your escrow account (from GFE #9) $2,011.50
1002. Homeowners Insurance 5 months @ $48.33 per month 241.65
1003. Mortgage Insurance
1004. Property Taxes 5 months @ $157.32 per month $786.60
1005.
1006.
1007. Aggregate Adjustment ($293.27
1008.
1009.
1100. TITLE CHARGES
1101. Title Services and lenders title insurance (from GFE #4) $1,260.00
1102. Settlement or Closing Fee $400.00
1103. Owners title Insurance (from GFE #5)
1104. Lenders Title Insurance $385.00
1105. Lenders Title Policy Limit
1106. Owners title policy limit
1107. Agents Portion of the total title insurance premium
1108. Underwriters portion of the total title insurance premium
1109. Tax Research Fee
1110. NOTARY FEE $175.00
1111. OVERNIGHT AND WIRE FEE $55.00
1112.
1113.
1200. GOVERNMENT RECORDING AND TRANSFER CHARGES
1201. Government Recording charges DEED $110.00 (from GFE #7) $110.00
1202.
1203. Transfer taxes (from GFE #8) $1,179.90
1204.
1205.
1300. ADDITIONAL SETTLEMENT CHARGES
1301. Required services that you can shop for (from GFE #6)
1302.
1303. $525.00
1304.
1305.
1400. Total Settlement Charges (enter on lines 103, Section J and 502, Section K) $4976.08 $0.00
I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and disbursements made on my account or by me in this
transaction. I further certify that I have received a copy of HUD-1 Settlement Statement.
BORROWER(S):
X_____________________________________ X_____________________________________
RICHARD WILLIAM ROGERS
The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction. I have caused or will cause the funds to be disbursed in accordance with this statement.
____________________________________________ ___________________________________
Stallworth Title of Modesto Settlement Agent Date
ADDENDUM TO HUD-1

File Number: 000-55555-000
Borrower: RICHARD WILLIAM ROGERS
Paid From Paid From

Borrower's Seller's
Funds at Funds at
Settlement Settlement
---------------PAYOFFS---------------
PAYOFF TO XYZ MORTAGE AND LENDING

$203,929.00
Total $203,929.00
X_______________________________________________________ X_______________________________________________________
Signature RICHARD WILLIAM ROGERS Date Signature Date
X_______________________________________________________ X_______________________________________________________
Signature Date Signature Date
X_______________________________________________________ X_______________________________________________________
Signature Date Signature Date
Comparison of Good Faith Estimate (GFE) and HUD-1 Charges. Good Faith Estimate HUD-1 Amt
Charges That Cannot Increase HUD Line Number
Our origination charge 801 $0.00 $0.00
Your credit or charge points for the specific interest rate chosen 802 ($5,936.08) ($4,112.62)
Your adjusted origination charges 803 ($0.00) ( $0.00)
Transfer taxes 1203 $1,179.90 $1,179.90
Charges That in Total Cannot Increase More Than 10% HUD Line Number
Government Recording charges DEED $110 1201 $110.00 $110.00
Appraisal Fee 804 $0.00 $0.00
Credit Report 805 $50.00 $29.85
YIELS SPREAD PREMIUM 807 $1,028.16 $1,028.16
808
Title Services and lenders title insurance 1101 $1,210.00 $1,260.00
Required services that you can shop for 1301 $0.00 $0.00
Total $10,315.64 $8,472.03
Increase between GFE and HUD-1 Charges $1,843.61 0.71%
Charges That Can Change HUD Line Number

Initial Deposit for your escrow account 1001 $5,936.08 $4,976.08
Daily Interest 03/18/20XX TO 04/01/20XX @$18.3096/DAY 901 $256.33 $256.33
Homeowners Insurance 903 $0.00 $0.00
Loan Terms
Your initial loan amount is $205,631.00
Your loan term is 30 years
Your initial monthly amount owed for principal, interest, and any $894.92 includes
mortgage insurance Principal
Interest
Mortgage Insurance
Can your interest rate rise? No Yes, it can rise to a maximum of 0.0 %. The first change will
be on and can change again every after
. Every charge date, your interest rate can increase or
decrease by 0.0 %. Over the life of the loan, your interest rate is
guaranteed to never be lower than 0.0 % or higher than 0.0 %.
Even if you make payments on time, can your loan balance rise? No Yes, it can rise to a maximum of
Even if you make payments on time, can your monthly amount owed No Yes, the first increase can be on and the monthly
for principal, interest, and mortgage insurance rise? amount owed can rise to $0.00
The maximum it can ever rise to $0.00
Does your loan have a prepayment penalty? No Yes, your maximum prepayment penalty is $0.00
Does your loan have a balloon payment? No Yes, you have a balloon payment of $0.00 due in
0 years on
Total monthly amount owed including escrow account payments. You do not have a monthly escrow payment for items, such as property
taxes and homeowner's insurance. You must pay these items directly
yourself.
You have an additional monthly escrow payment of $445.23
that results in a total initial monthly amount owed of $1,340.15
This includes principal, interest, any mortgage insurance and any items
checked below.
Property Taxes Homeowner's Insurance

Flood Insurance
Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form, please contact your lender.
Loan terms spelled

out. Ask borrower
to confirm terms
are correct
Critical
Document
NOTICE OF RIGHT TO CANCEL
Loan Number:
Borrowers: RICHARD W ROGERS
Property Address:
YOUR RIGHT TO CANCEL Date of

Each borrower
signing
You are entering into a transaction that will result in a mortgage, lien appointment
or security interest on or in your home. You have
a legal right under federal law to cancel this transaction, without cost, within three business days from whichever of the must receive two
following events occurs last:
executed copies
1. the date of the transaction, which is ; or
2. the date you receive your Truth in Lending disclosures; or
3. the date you receive this notice of your right to cancel.
If you cancel the transaction, the mortgage, lien or security interest is also cancelled. Within 20 calendar days after we
receive your notice, we must take the steps necessary to reflect the fact that the mortgage, lien or security interest on or in
your home has been cancelled, and we must return to you any money or property you have given to us or to anyone else
in connection with this transaction.
You may keep any money or property we have given you until we have done the things mentioned above, but you must then
offer to return the money or property. If it is impractical or unfair for you to return the property, you must offer its
reasonable value. You may offer to return the property at your home or at the location of the property. Money must be
returned to the address below. If we do not take possession of the money or property within 20 calendar days of your offer,
you may keep it without further obligation.
HOW TO CANCEL
If you decide to cancel this transaction, you may do so by notifying us in writing, at
TRISTAR FINANCE GROUP, INC
1000 MAIN STREET
LOS ANGELES, CALIFORNIA 91301
Rescission Date
You may use any written statement that is signed and dated by you and states your intention to cancel, or you may use this
notice by dating and signing below. Keep one copy of this notice because it contains important information about your goes here
rights.
If you cancel by mail or telegram, you must send the notice no later than midnight of
(or midnight of the third business day following the latest of the three events listed above). If you send or deliver your
written notice to cancel some other way, it must be delivered to the above address no later than that time.
I WISH TO CANCEL.
Do not sign here
Consumer' sSignature Date

RICHARD W ROGERS
ACKNOWLEDGMENT OF RECEIPT
EACH OF THE UNDERSIGNED HEREBY ACKNOWLEDGES THE RECEIPT OF TWO (2) COMPLETED COPIES OF
THIS NOTICE OF RIGHT TO CANCEL.
RICHARD W ROGERS Date
NOTICE OF RIGHT TO CANCEL/RESCISSION MODEL FORM H-8 (GENERAL)

15 U.S.C. 1635(a); 12 CFR 1026.23; Model Form H-8
NORTC.MSC 12/30/11
APR usually higher than
interest rate because Critical
it reflects the cost
of financing Document
FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT
(THIS IS NEITHER A CONTRACT NOR A COMMITMENT TO LEND)
Loan Number: Date:
Creditor:
Address: 1000 MAIN STREET, LOS ANGELES, CALIFORNIA 91301
Borrower(s): ILLIAM ROGERS
Address:
Disclosures marked with an "x" are applicable:

ANNUAL FINANCE Amount Total of Total Sale
PERCENTAGE CHARGE Financed Payments Price
RATE
The cost of your credit as The dollar amount the The amount of credit provided The amount you will have The total cost of your
a yearly rate credit will cost you. to you or on your behalf. paid after you have made all purchase on credit including
payments as scheduled. your down-payment of
$
% $ $ $ $
INTEREST RATE AND PAYMENT SUMMARY

Rate & Monthly Payment
Interest Rate %
Principal +Interest Payment $
Est. Taxes + Insurance (Escrow)
Includes Mortgage Insurance $
Total Est. Monthly Payment $
There is no guarantee that you will be able to refinance to lower your rate and payments.
DEMAND FEATURE: This obligation has a demand feature.

VARIABLE RATE FEATURE: Your loan contains a variable rate feature. Disclosures about the variable rate feature have been provided to you earlier.
FEDERALTRUTH-IN-LENDING DISCLOSURE STATEMENT

MODEL FORM H-4(E)
TILFL.DSC 09/26/12 Page 1 of 2
PROPERTY INSURANCE: You may obtain fire and other hazard insurance from anyone you want that is acceptable to the Creditor.
SECURITY: You are giving a security interest in:

The goods or property being purchased Real property you already own.
FILING FEES: $
LATE CHARGE: If payment is more than 15 days late, you will be charged % of the payment.
PREPAYMENT: If you pay off early, you

may will not have to pay a penalty.
may will not be entitled to a refund of part of the finance charge.
ASSUMPTION: Someone buying your property

may may, subject to conditions may not assume the remainder of your loan on the original terms.
See your contract documen t s f or any additional information about nonpayment, default, any required repayment in full before the scheduled date and
prepayment refunds and penalties.
"e" means an estimate all dates and numerical disclosures except the late payment disclosures are estimates.
Each of the undersigned acknowledge receipt of a complete copy of this disclosure. The disclosure does not constitute a contract or a commitment to lend.
Applicant ILLIAM ROGERS Date Applicant Date
Applicant Date Applicant Date
Applicant Date Applicant Date
FEDERALTRUTH-IN-LENDING DISCLOSURE STATEMENT

MODEL FORM H-4(E)
TILFL.DSC 09/26/12 Page 2 of 2
Most important
document in the
loan package
Critical
Document
NOTE
FHA CASE NO.
000-5555555-000
[Date] [City] [State]
[Property Address]
1. PARTIES
"Borrower" means each person signing at the end of this Note, and the person' s successors and assigns.
"Lender" means TRISTAR FINANCE GROUP
CORPORATION and its successors and assigns.
2. BORROWER'S PROMISE TO PAY; INTEREST

In return for a loan received from Lender, Borrower promises to pay the principal sum of
Dollars (U.S.$ ), plus interest, to the order of Lender. Interest will be charged on unpaid
principal, from the date of disbursement of the loan proceeds by Lender, at the rate of
percent ( %) per year until the full
amount of principal has been paid.
3. PROMISE TO PAY SECURED

Borrower' s promise to pay is secured by a mortgage, deed of trust or similar security instrument that is dated
the same date as this Note and called the "Security Instrument." The Security Instrument protects the Lender from
losses which might result if Borrower defaults under this Note.
4. MANNER OF PAYMENT
(A) Time
Borrower shall make a payment of principal and interest to Lender on the first day of each month beginning on
20XX . Any principal and interest remaining on the first day of
, will be due on that date, which is called the "Maturity Date."
(B) Place
Payment shall be made at 5555 ,
or at such other place as Lender may designate in writing by notice to Borrower.
(C) Amount
Each monthly payment of principal and interest will be in the amount of U.S. $ .
This amount will be part of a larger monthly payment required by the Security Instrument, that shall be applied to
principal, interest and other items in the order described in the Security Instrument.
(D) Allonge to this Note for Payment Adjustments
If an allonge providing for payment adjustments is executed by Borrower together with this Note, the covenants
of the allonge shall be incorporated into and shall amend and supplement the covenants of this Note as if the allonge
were a part of this Note. (Check applicable box.)
Growing Equity Allonge Graduated Payment Allonge
Other [specify]
CALIFORNIA - FHA FIXED RATE NOTE

CAFHA.NTE 03/01/10 Page 1 of 4
5. BORROWER'S RIGHT TO PREPAY
Borrower has the right to pay the debt evidenced by this Note, in whole or in part, without charge or penalty,
on the first day of any month. Lender shall accept prepayment on other days provided that Borrower pays interest
on the amount prepaid for the remainder of the month to the extent required by Lender and permitted by regulations
of the Secretary. If Borrower makes a partial prepayment, there will be no changes in the due date or in the amount
of the monthly payment unless Lender agrees in writing to those changes.
6. BORROWER'S FAILURE TO PAY

(A) Late Charge for Overdue Payments
If Lender has not received the full monthly payment required by the Security Instrument, as described in
Paragraph 4(C) of this Note, by the end of fifteen calendar days after the payment is due, Lender may collect a late
charge in the amount of FOUR AND 000/1000 percent ( 4.000 %)
of the overdue amount of each payment.
(B) Default
If Borrower defaults by failing to pay in full any monthly payment, then Lender may, except as limited by
regulations of the Secretary in the case of payment defaults, require immediate payment in full of the principal balance
remaining due and all accrued interest. Lender may choose not to exercise this option without waiving its rights in
the event of any subsequent default. In many circumstances regulations issued by the Secretary will limit Lender' s
rights to require immediate payment in full in the case of payment defaults. This Note does not authorize acceleration
when not permitted by HUD regulations. As used in this Note, "Secretary" means the Secretary of Housing and
Urban Development or his or her designee.
(C) Payment of Costs and Expenses
If Lender has required immediate payment in full, as described above, Lender may require Borrower to pay costs
and expenses including reasonable and customary attorneys' fees for enforcing this Note to the extent not prohibited
by applicable law. Such fees and costs shall bear interest from the date of disbursement at the same rate as the
principal of this Note.
7. GROUNDS FOR ACCELERATION OF DEBT

(A) Default
Lender may, except as limited by regulations issued by the Secretary in the case of payment defaults, require
immediate payment in full of all sums secured by the Security Instrument and due under this Note if:
(i) Borrower defaults by failing to pay in full any monthly payment required by this Note and the Security
Instrument prior to or on the due date of the next monthly payment, or
(ii) Borrower defaults by failing, for a period of thirty days, to perform any other obligations contained in the
Security Instrument securing this Note.
(B) Sale Without Credit Approval
Lender shall, if permitted by applicable law (including section 341 (d) of the Garn-St. Germain Depository
Institutions Act of 1982, 12 U.S.C. 1701j - 3(d)) and with the prior approval of the Secretary, require immediate
payment in full of all the sums due under this Note and secured by the Security Instrument if:
(i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, is sold or
otherwise transferred (other than by devise or descent), and
(ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the purchaser
or grantee does so occupy the Property, but his or her credit has not been approved in accordance with the
requirements of the Secretary.
(C) No Waiver
If circumstances occur that would permit Lender to require immediate payment in full, but Lender does not
require such payments, Lender does not waive its rights with respect to subsequent events.
(D) Regulations of HUD Secretary
In many circumstances regulations issued by the Secretary will limit Lender' s rights, in the case of payment
defaults, to require immediate payment in full and foreclose if not paid. This Note and the Security Instrument do
not authorize acceleration or foreclosure if not permitted by regulations of the Secretary.

(E) Mortgage Not Insured
Borrower agrees that if the Security Instrument and this Note are not determined to be eligible for insurance
under the National Housing Act within 60 DAYS fr om the date
hereof, Lender may, at its option require immediate payment in full of all sums secured by the Security Instrument.
A written statement of any authorized agent of the Secretary dated subsequent to 60 DAYS
from the date hereof, declining to insure the Security Instrument and this Note, shall be deemed conclusive proof of
such ineligibility. Notwithstanding the foregoing, this option may not be exercised by Lender when the unavailability
of insurance is solely due to Lender' s failure to remit a mortgage insurance premium to the Secretary.
8. WAIVERS
Borrower and any other person who has obligations under this Note waive the rights of presentment and notice
of dishonor. "Presentment" means the right to require Lender to demand payment of amounts due. "Notice of
dishonor" means the right to require Lender to give notice to other persons that amounts due have not been paid.
9. GIVING OF NOTICES
Unless applicable law requires a different method, any notice that must be given to Borrower under this Note
will be given by delivering it or by mailing it by first class mail to Borrower at the property address above or at a
different address if Borrower has given Lender a notice of Borrower' s different address.
Any notice that must be given to Lender under this Note will be given by first class mail to Lender at the address
stated in Paragraph 4(B) or at a different address if Borrower is given a notice of that different address.
10. OBLIGATIONS OF PERSONS UNDER THIS NOTE

If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises
made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or
endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including
the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in
this Note. Lender may enforce its rights under this Note against each person individually or against all signatories
together. Any one person signing this Note may be required to pay all of the amounts owed under this Note.

BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in pages 1 through
4 of this Note.
(Seal) (Seal)
RICHARD WILLIAM ROGERS -Borrower -Borrower
The word seal

means signature,
(Seal) (Seal)
no Notary seal -Borrower -Borrower
used here
(Seal) (Seal)
-Borrower -Borrower
[Sign Original Only]

Also known
as the security
instrument
Critical
Document
Sample Document for National Notary Association Notary Signing Agent Certification Course
Recording Requested By:
TRISTAR FINANCE GROUP
And After Recording Return To:

TRISTAR FINANCE GROUP
1000 MAIN STREET
Loan Number: 1234567890 Requires
notarization
Present
with note [Space Above This Line For Recording Data]
DEED OF TRUST
MIN: 1234567890-123456778
DEFINITIONS
Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11,
13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
(A) "Security Instrument"means this document, which is dated MARCH 13, 20XX , together
with all Riders to this document.
(B) "Borrower"is RICHARD WILLIAM ROGERS, AN UNMARRIED MAN
Check to make
sure all blanks .
Borrower is the trustor under this Security Instrument. are filled in
(C) "Lender"is TRISTAR FINANCE GROUP
.
Lender is a CALIFORNIA CORPORATION organized
and existing under the laws of CALIFORNIA .
Lender's address is 1000 MAIN STREET, LOS ANGELES, CALIFORNIA 91301
.
(D) "Trustee"is
STALLWART TITLE OF MODESTO
5555 CASANDRA BLVD. SUITE 2, MODESTO, CALIFORNIA 95822
.
(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting
solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security
Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number
of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.
(F) "Note"means the promissory note signed by Borrower and dated MAY 1,20XX .
The Note states that Borrower owes Lender TWO HUNDRED FIVE THOUSAND, SIX HUNDRED THIRTY ONEAND
00/100
Borrower: ____ Dollars (U.S. $ 205, 631.00 ) plus interest.
CALIFORNIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS

Form 3005 01/01 Page 1 of 14
Make sure all 14

pages are there
Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than
APRIL 1, 2043 .
(G) "Property"means the property that is described below under the heading "Transfer of Rights in the Property."
(H) "Loan"means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under
the Note, and all sums due under this Security Instrument, plus interest.
(I) "Riders"means all Riders to this Security Instrument that are executed by Borrower. The following Riders are
to be executed by Borrower [check box as applicable]:
Adjustable Rate Rider Planned Unit Development Rider If any boxes are
Balloon Rider Biweekly Payment Rider
checked, make sure
1-4 Family Rider Second Home Rider
the riders are in
X Condominium Rider Other(s) [specify]
the package
(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial
opinions.
(K) "Community Association Dues, Fees, and Assessments"means all dues, fees, assessments and other charges
that are imposed on Borrower or the Property by a condominium association, homeowners association or similar
organization.
(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft,
or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or
magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term
includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by
telephone, wire transfers, and automated clearinghouse transfers.
(M) "Escrow Items" means those items that are described in Section 3.
(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any
third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or
destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in
lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property.
(O) "Mortgage Insurance"means insurance protecting Lender against the nonpayment of, or default on, the Loan.
(P) "Periodic Payment"means the regularly scheduled amount due for (i) principal and interest under the Note,
plus (ii) any amounts under Section 3 of this Security Instrument.
(Q) "RESPA"means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing
regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or
successor legislation or regulation that governs the same subject matter. As used in this Security Instrument,
"RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan"
even if the Loan does not qualify as a "federally related mortgage loan" under RESPA.
(R) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that
party has assumed Borrower's obligations under the Note and/or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lender's successors and
assigns) and the successors and assigns of MERS. This Security Instrument secures to Lender: (i) the repayment of
the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's
Borrower: ____

Form 3005 01/01 Page 2 of 14
covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants
and conveys to Trustee, in trust, with power of sale, the following described property located in the
COUNTY of STANISLAUS :
[Type of Recording Jurisdiction] [Name of Recording Jurisdiction]
LOT 10, BLOCK 55555 OF VILLAGE HIGHLANDS PHASE III, AS PER MAP
FILED DECEMBER 9, 19XX IN VOLUME 02 OF MAPS, PAGE 55 STANISLAUS
COUTY RECORDS.
may be filled in or
A.P.N.: 0088-002-155 may refer to exhibit
which currently has the address of 8624 OAKLAWN AVENUE ‘A’, a separate
[Street]
document
MODESTO , California 95355 ("Property Address"):
[City] [Zip Code]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be
covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property."
Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security
Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors
and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose
and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling
this Security Instrument.
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right
to grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.
Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any
encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with
limited variations by jurisdiction to constitute a uniform security instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:

1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall
pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late
charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due
under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other
instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid,
Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in
one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check,
treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured
by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location designated in the Note or at such other
location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return
any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender
may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights
hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not
Borrower: ____

Form 3005 01/01 Page 3 of 14
obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of
its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds
until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of
time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be
applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim
which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due
under the Note and this Security Instrument or performing the covenants and agreements secured by this Security
Instrument.
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments
accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note;
(b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic
Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second
to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient
amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If
more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the
repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that
any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may
be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then
as described in the Note.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note
shall not extend or postpone the due date, or change the amount, of the Periodic Payments.
3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the
Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and
assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the
Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance
required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower
to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10.
These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require
that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and
assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid
under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's
obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender
Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver,
Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of
Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment
within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts
shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase
"covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to
a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section
9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount.
Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section
15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required
under this Section 3.
Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds
at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA.
Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures
of future Escrow Items or otherwise in accordance with Applicable Law.
The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or
entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan
Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender
Borrower: ____

Form 3005 01/01 Page 4 of 14
shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying
the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make
such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds,
Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree
in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an
annual accounting of the Funds as required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for
the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA,
Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make
up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of
Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower
shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than
12 monthly payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower
any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to
the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the
Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items
are Escrow Items, Borrower shall pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower:
(a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only
so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against
enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien
while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder
of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender
determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument,
Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given,
Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service
used by Lender in connection with this Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the
Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards
including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be
maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender
requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing
the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall
not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-
time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone
determination and certification services and subsequent charges each time remappings or similar changes occur which
reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of
any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone
determination resulting from an objection by Borrower.
If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at
Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount
of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's
equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater
or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so
obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed
by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These
amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest,
upon notice from Lender to Borrower requesting payment.
Borrower: ____

Form 3005 01/01 Page 5 of 14
All insurance policies required by Lender and renewals of such policies shall be subject to Lender' s right to
disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an
additional loss payee and Borrower further agrees to generally assign rights to insurance proceeds to the holder of the
Note up to the amount of the outstanding loan balance. Lender shall have the right to hold the policies and renewal
certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal
notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or
destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee
and/or as an additional loss payee and Borrower further agrees to generally assign rights to insurance proceeds to the
holder of the Note up to the amount of the outstanding loan balance.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make
proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any
insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration
or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened.
During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender
has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction,
provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and
restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement
is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be
required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties,
retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower.
If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds
shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid
to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2.
If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and
related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has
offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the
notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby
assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid
under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund
of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights
are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the
Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due.
6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence
within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's
principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which
consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's
control.
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy,
damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not
Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from
deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or
restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further
deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking
of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released
proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in
a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient
to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair
or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause,
Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time
of or prior to such an interior inspection specifying such reasonable cause.
Borrower: ____

Form 3005 01/01 Page 6 of 14
8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process,
Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave
materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with
material information) in connection with the Loan. Material representations include, but are not limited to,
representations concerning Borrower's occupancy of the Property as Borrower's principal residence.
9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a)
Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal
proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument
(such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may
attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the
Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the
Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property,
and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums
secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable
attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured
position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to
make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or
other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action
under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that
Lender incurs no liability for not taking any or all actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this
Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be
payable, with such interest, upon notice from Lender to Borrower requesting payment.
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease.
Borrower shall not surrender the leasehold estate and interests herein conveyed or terminate or cancel the ground lease.
Borrower shall not, without the express written consent of Lender, alter or amend the ground lease. If Borrower
acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger
in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower
shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage
Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such
insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage
Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage
Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance
previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage
Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated
payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these
payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable,
notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any
interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance
coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again
becomes available, is obtained, and Lender requires separately designated payments toward the premiums for
Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was
required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay
the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until
Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and
Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section
10 affects Borrower's obligation to pay interest at the rate provided in the Note.
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur
if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance.
Borrower: ____

Form 3005 01/01 Page 7 of 14
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into
agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and
conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These
agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer
may have available (which may include funds obtained from Mortgage Insurance premiums).
As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other
entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might
be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying
the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share
of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed
"captive reinsurance." Further:
(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage
Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe
for Mortgage Insurance, and they will not entitle Borrower to any refund.
(b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage
Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right
to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the
Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums
that were unearned at the time of such cancellation or termination.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to
and shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property,
if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and
restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an
opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that
such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement
or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable
Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any
interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or
Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security
Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall
be applied in the order provided for in Section 2.
In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be
applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to
Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of
the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount
of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value,
unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced
by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums
secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the
Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of
the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums
secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise
agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether
or not the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as
defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to
Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous
Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether
Borrower: ____

Form 3005 01/01 Page 8 of 14
or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party
against whom Borrower has a right of action in regard to Miscellaneous Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's
judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property
or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate
as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's
judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or
rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the
impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the
order provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or
modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any
Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest
of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower
or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security
Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any
forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of
payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then
due, shall not be a waiver of or preclude the exercise of any right or remedy.
13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees
that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security
Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage,
grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not
personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other
Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security
Instrument or the Note without the co-signer's consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's
obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights
and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability
under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this
Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's
default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument,
including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the
absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed
as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security
Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the
interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits,
then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;
and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower.
Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment
to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any
prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of
any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might
have arising out of such overcharge.
15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in
writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to
Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other
means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires
Borrower: ____

Form 3005 01/01 Page 9 of 14
otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice
address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender
specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address
through that specified procedure. There may be only one designated notice address under this Security Instrument
at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's
address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection
with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender.
If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law
requirement will satisfy the corresponding requirement under this Security Instrument.
16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by
federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in
this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might
explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be
construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security
Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security
Instrument or the Note which can be given effect without the conflicting provision.
As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding
neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice
versa; and (c) the word "may" gives sole discretion without any obligation to take any action.
17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument.
18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in
the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial
interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent
of which is the transfer of title by Borrower at a future date to a purchaser.
If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a
natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent,
Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option
shall not be exercised by Lender if such exercise is prohibited by Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a
period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower
must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of
this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand
on Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall
have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a)
five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such
other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a
judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which
then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default
of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including,
but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the
purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such
action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security
Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged.
Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms,
as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check,
provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality
or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations
secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall
not apply in the case of acceleration under Section 18.
Borrower: ____

Form 3005 01/01 Page 10 of 14
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note
(together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might
result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note
and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security
Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale
of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will
state the name and address of the new Loan Servicer, the address to which payments should be made and any other
information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter
the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations
to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed
by the Note purchaser unless otherwise provided by the Note purchaser.
Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual
litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that
alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument,
until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements
of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such
notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action
can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of
acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given
to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action
provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances
defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances:
gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents,
materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal
laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection;
(c) "Enviro nmental Cleanup" includes any response action, remedial action, or removal action, as defined in
Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or
otherwise trigger an Environmental Cleanup.
Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances,
or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else
to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an
Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a
condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the
presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized
to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to,
hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other
action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance
or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not
limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any
condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the
Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that
any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall
promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any
obligation on Lender for an Environmental Cleanup.
NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following
Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under
Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action
Borrower: ____

Form 3005 01/01 Page 11 of 14
required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by
which the default must be cured; and (d) that failure to cure the default on or before the date specified in the
notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The
notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court
action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale. If the
default is not cured on or before the date specified in the notice, Lender at its option may require immediate
payment in full of all sums secured by this Security Instrument without further demand and may invoke the
power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all
expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable
attorneys' fees and costs of title evidence.
If Lender invokes the power of sale, Lender shall execute or cause Trustee to execute a written notice of
the occurrence of an event of default and of Lender's election to cause the Property to be sold. Trustee shall
cause this notice to be recorded in each county in which any part of the Property is located. Lender or Trustee
shall mail copies of the notice as prescribed by Applicable Law to Borrower and to the other persons prescribed
by Applicable Law. Trustee shall give public notice of sale to the persons and in the manner prescribed by
Applicable Law. After the time required by Applicable Law, Trustee, without demand on Borrower, shall sell
the Property at public auction to the highest bidder at the time and place and under the terms designated in the
notice of sale in one or more parcels and in any order Trustee determines. Trustee may postpone sale of all or
any parcel of the Property by public announcement at the time and place of any previously scheduled sale.
Lender or its designee may purchase the Property at any sale.
Trustee shall deliver to the purchaser Trustee's deed conveying the Property without any covenant or
warranty, expressed or implied. The recitals in the Trustee's deed shall be prima facie evidence of the truth
of the statements made therein. Trustee shall apply the proceeds of the sale in the following order: (a) to all
expenses of the sale, including, but not limited to, reasonable Trustee's and attorneys' fees; (b) to all sums
secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it.
23. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender shall request Trustee
to reconvey the Property and shall surrender this Security Instrument and all notes evidencing debt secured by this
Security Instrument to Trustee. Trustee shall reconvey the Property without warranty to the person or persons legally
entitled to it. Lender may charge such person or persons a reasonable fee for reconveying the Property, but only if
the fee is paid to a third party (such as the Trustee) for services rendered and the charging of the fee is permitted under
Applicable Law. If the fee charged does not exceed the fee set by Applicable Law, the fee is conclusively presumed
to be reasonable.
24. Substitute Trustee. Lender, at its option, may from time to time appoint a successor trustee to any Trustee
appointed hereunder by an instrument executed and acknowledged by Lender and recorded in the office of the
Recorder of the county in which the Property is located. The instrument shall contain the name of the original
Lender, Trustee and Borrower, the book and page where this Security Instrument is recorded and the name and
address of the successor trustee. Without conveyance of the Property, the successor trustee shall succeed to all the
title, powers and duties conferred upon the Trustee herein and by Applicable Law. This procedure for substitution
of trustee shall govern to the exclusion of all other provisions for substitution.
25. Statement of Obligation Fee. Lender may collect a fee not to exceed the maximum amount permitted by
Applicable Law for furnishing the statement of obligation as provided by Section 2943 of the Civil Code of California.
Borrower: ____

Form 3005 01/01 Page 12 of 14
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security
Instrument and in any Rider executed by Borrower and recorded with it.
The undersigned Borrower requests that a copy of any Notice of Default and any Notice of Sale under this
Security Instrument be mailed to Borrower at the address set forth above.
(Seal) (Seal)
(Seal) (Seal)
-Borrower -Borrower
(Seal) (Seal)
-Borrower -Borrower
Witness: Witness:

Form 3005 01/01 Page 13 of 14
State and county
where signing
appoinment takes
place [Space Below This Line For Acknowledgment]
State of California )
) ss.
County of )
On before me,
personally appeared RICHARD WILLIAM ROGERS
who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the
within instrument and acknowledged to me that he/she/they executed the same in his/her/th eir authorized capacity(ies),
and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s)
acted, executed the instrument.
I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true
and correct.
WITNESS my hand and official seal.
NOTARY SIGNATURE
(Typed Name
Typedof means
Notary)
NOTARY SEAL printed

Form 3005 01/01 Page 14 of 14
CONDOMINIUM RIDER
THIS CONDOMINIUM RIDER is made this day of13th MARCH, 20XX
, and is incorporated into and shall be deemed to amend and supplement the Mortgage,
Deed of Trust, or Security Deed (the "Security Instrument") of the same date given by the undersigned
(the "Borrower") to secure Borrower's Note to TRISTAR FINANCE GROUP., A
CALIFORNIA CORPORATION
(the "Lender") of the same date and covering the Property described in the Security Instrument and
located at:
8624 OAKLAWN AVENUE, MODESTO, CALIFORNIA 95355
[Property Address]
The Property includes a unit in, together with an undivided interest in the common elements of, a
condominium project known as:
OAK CREEK CONDOMINIUMS

[Name of Condominium Project]
(the "Condominium Project"). If the owners association or other entity which acts for the Condominium
Project (the "Owners Association") holds title to property for the benefit or use of its members or
shareholders, the Property also includes Borrower's interest in the Owners Association and the uses, proceeds
and benefits of Borrower's interest.
CONDOMINIUM COVENANTS. In addition to the covenants and agreements made in the Security
Instrument, Borrower and Lender further covenant and agree as follows:
A. Condominium Obligations. Borrower shall perform all of Borrower's obligations under the
Condominium Project's Constituent Documents. The "Constituent Documents" are the: (i) Declaration or
any other document which creates the Condominium Project; (ii) by-laws; (iii) code of regulations; and (iv)
other equivalent documents. Borrower shall promptly pay, when due, all dues and assessments imposed
pursuant to the Constituent Documents.
B. Property Insurance. So long as the Owners Association maintains, with a generally accepted
insurance carrier, a "master" or "blanket" policy on the Condominium Project which is satisfactory to Lender
and which provides insurance coverage in the amounts (including deductible levels), for the periods, and
against loss by fire, hazards included within the term "extended coverage," and any other hazards, including,
but not limited to, earthquakes and floods, from which Lender requires insurance, then: (i) Lender waives
the provision in Section 3 for the Periodic Payment to Lender of the yearly premium installments for
property insurance on the Property; and (ii) Borrower's obligation under Section 5 to maintain property
insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided
by the Owners Association policy.
What Lender requires as a condition of this waiver can change during the term of the loan.
MULTISTATE CONDOMINIUM RIDER

Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
Form 3140 1/01 Page 1 of 3
Us3140.rid.xml
Borrower shall give Lender prompt notice of any lapse in required property insurance coverage provided
by the master or blanket policy.
In the event of a distribution of property insurance proceeds in lieu of restoration or repair following
a loss to the Property, whether to the unit or to common elements, any proceeds payable to Borrower are
hereby assigned and shall be paid to Lender for application to the sums secured by the Security Instrument,
whether or not then due, with the excess, if any, paid to Borrower.
C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to insure
that the Owners Association maintains a public liability insurance policy acceptable in form, amount, and
extent of coverage to Lender.
D. Condemnation. The proceeds of any award or claim for damages, direct or consequential,
payable to Borrower in connection with any condemnation or other taking of all or any part of the Property,
whether of the unit or of the common elements, or for any conveyance in lieu of condemnation, are hereby
assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by the
Security Instrument as provided in Section 11.
E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender's
prior written consent, either partition or subdivide the Property or consent to: (i) the abandonment or
termination of the Condominium Project, except for abandonment or termination required by law in the case
of substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent
domain; (ii) any amendment to any provision of the Constituent Documents if the provision is for the express
benefit of Lender; (iii) termination of professional management and assumption of self-management of the
Owners Association; or (iv) any action which would have the effect of rendering the public liability insurance
coverage maintained by the Owners Association unacceptable to Lender.
F. Remedies. If Borrower does not pay condominium dues and assessments when due, then Lender
may pay them. Any amounts disbursed by Lender under this paragraph F shall become additional debt of
Borrower secured by the Security Instrument. Unless Borrower and Lender agree to other terms of payment,
these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with
interest, upon notice from Lender to Borrower requesting payment.

Form 3140 1/01 Page 2 of 3
Us3140.rid.xml
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this
Condominium Rider.
(Seal) (Seal)
(Seal) (Seal)
-Borrower -Borrower
(Seal) (Seal)
-Borrower -Borrower

Form 3140 1/01 Page 3 of 3
Us3140.rid.xml
LoanNumber: 1234567890
OCCUPANCY AND FINANCIAL STATUS AFFIDAVIT
STATE OF CALIFORNIA )
) ss:
COUNTY OF STANISLAUS )
BEFORE ME,the undersigned authority duly authorized to take acknowledgments and administer oaths, personally appeared
(the "Borrower"),
who upon being duly sworn on oath, certified as follows:
1. Material Inducement: Borrower understands and agrees that the statements contained herein are given as a material
inducement to TRISTAR FINANCE GROUP, INC
(the "Lender"),
and Lender is relying upon such statements, to make a mortgage loan (the "Loan") to Borrower, repayment of which is
secured by a Mortgage, Deed of Trust, Security Deed or other instrument of security (the "Security Instrument") on certain
real property located at 8624 OAKLAWN AVENUE, MODESTO, CALIFORNIA 95355
(the "Property").
2. Occupancy: [check one box only]
X Principal Residence. Borrower either currently occupies and uses the Property as Borrower' s principal residence,
or Borrower will occupy and use the Property as Borrower' s principal residence within 60 days after Borrower signs
the Security Instrument. Borrower will continue to occupy and use the Property as Borrower' s principal residence
for at least one (1) year from the date that Borrower first occupies the Property. However, Borrower will not have
to occupy and use the Property as Borrower' s principal residence within the time frames set forth above if Lender
agrees in writing that Borrower does not have to do so. Lender may not refuse to agree unless the refusal is
reasonable. Borrower will also not have to occupy and use the Property as Borrower' s principal residence within the
time frames set forth above if extenuating circumstances exist which are beyond Borrower' s control.
Second Home. Borrower will occupy, and will use, the Property as Borrower' s second home. Borrower will keep
the Property available for Borrower' s exclusive use and enjoyment at all times, and will not subject the Property to
any timesharing or other shared ownership arrangement or to any rental pool or agreement that requires Borrower
either to rent the Property or give a management firm or any other person any control over the occupancy or use of
the Property.
Investment. The Property is owned and held by Borrower as an investment property. Borrower does not now occupy
or use the property, and has no present intention to occupy or use the Property in the future, either as Borrower' s
principal residence or second home. Borrower now occupies and uses other property or properties as Borrower' s
principal residence and/or second home.
3. Financial Status: Borrower understands that Lender is making the Loan based upon statements and representations
contained in, or made in connection with, the residential mortgage loan application given by Borrower to Lender (the
"Loan Application"). Borrower hereby certifies that the information provided by Borrower contained in, or made in
connection with, the Loan Application related to Borrower' s financial status (such as Borrower' s employment, income,
available cash, debts, expenses, credit obligations, and the like), has not changed significantly and that such information
accurately reflects Borrower' s current financial status. Borrower certifies further that Borrower has not received a layoff
notice or otherwise have knowledge of a pending layoff, and Borrower, to the best of Borrower' s knowledge and belief,
is unaware of any events or circumstances in the foreseeable future that would impair or have an adverse effect on
Borrower' s ability to fulfill Borrower' s Loan obligations, including, but not limited to Borrower' s obligation to make
required periodic payments.
4. False, Misleading or Inaccurate Statements: Borrower understands that Borrower will be in default under the terms of
the Security Instrument if, during the application process for the Loan, Borrower or any persons or entities acting at the
direction of Borrower or with Borrower' s knowledge or consent gave materially false, misleading or inaccurate information
or statements to Lender (or failed to provide Lender with material information) in connection with the Loan, including,
but not limited to, representations concerning Borrower' s occupancy of the Property and Borrower' s financial status.
Borrower understands further that any intentional or negligent misrepresentation(s) of the information contained in, or
made in connection with, the Loan Application may result in severe civil and/or criminal penalties, including, but not
limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq. and
liability for monetary damages to the Lender, its agents, successors and assigns, insurers and any other person who may
suffer any loss due to reliance upon any misrepresentation(s) which Borrower has made on or in connection with the Loan
Application.
CALIFORNIA OCCUPANCY AND FINANCIAL STATUS AFFIDAVIT

CAOFSA.MSC 04/20/10 Page 1 of 2
LoanNumber: 1234567890
Borrower RICHARD WILLIAM ROGERS Date Borrower Date
Borrower Date Borrower Date
State of CALIFORNIA
County of
Subscribed and sworn to (or affirmed) before me on this day of , by

,
proved to me on the basis of satisfactory evidence to be the person(s) who appeared before me.
(seal) Signature
SIGNATURE AFFIDAVIT AND AKA STATEMENT
SIGNATURE AFFIDAVIT
I, ,
this is my true and correct signature:

Borrower Sample Signature
AKA STATEMENT
I, RICHARD WILLIAM ROGERS ,

further certify that I am also known as:

Name Variation (Print) Sample Signature (Variation)
RICHARD ROGERS
RICK ROGERS
RICK W. ROGERS
RW ROGERS
RICKY ROGERS
R WILLY ROGERS
State of
County of
Subscribed and sworn to (or affirmed) before me on this day of ,

by RICHARD WILLIAM ROGERS
,
proved to me on the basis of satisfactory evidence to be the person(s) who appeared before me.
Signature
(seal)
SIGNATURE AFFIDAVIT AND AKA STATEMENT

CAAKA.LSR 01/08/08
Sample Document for National Notary Association Notary Signing Agent Certification Course
Date Prepared: February 12, 20
LIMITED POWER OF ATTORNEY
The Undersigned hereby appoints TRISTAR FINANCE GROUP and/or its assignees, to be my attorney in
fact/Agent (hereinafter referred to as Agent), to act for me only as to the matters stated below.
Property Address: 8624 Oaklawn Avenue, All

spaces
Legal Description: REFER TO SECURITY INSTRUMENT
must be
Document Date: February 12, 20 filled in
Borrower Name: Richard W Rogers
POWERS:
In the event a clerical or typographical error is discovered on any document pertaining to this transaction, my
agent and/or assignees, is hereby authorized to correct any clerical or typographical error and to initial, sign,
seal and deliver as my act, any instrument to which my agent determines to be necessary to effectuate the
correction. Specifically, my agent may make a correction limited to the matters stated below on an original
document, and is authorized to rerecord that original document where appropriate. The undersigned declares
that any and all corrections made by my agent shall be as valid as if they had been initialed, signed and
delivered by me personally. The undersigned ratifies whatsoever my said agent shall lawfully do or cause to be
done in the correction of clerical and typographical errors as limited below.
LIMITATIONS:
My agent is authorized to correct clerical and typographical errors as to the names of the parties to this
transaction; the legal description; county or street address of the real property which is the subject of this
transaction; and the date of any document.
My agent is not authorized to make any changes or corrections as to the interest rate stated on the deed of
trust or promissory notes; the amount of principal indebtedness stated on the deed of trust or promissory note;
or the amount of consideration on the Deed.
This Power of Attorney is made of my own free will for the purpose of facilitating necessary corrections. The
undersigned understands that signing this Power of Attorney is not mandatory.
Borrower: RICHARD WILLIAM ROGERS Date
Page 1 of 2
LIMITED POWER OF ATTORNEY
ACKNOWLEDGMENT
State of )
County of )
On _________________________ before me,

(here insert name and title of the officer)
personally appeared
RICHARD WILLIAM ROGERS, who proved to me on the basis of satisfactory evidence to be the person(s)
whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed
the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the
person(s), or the entity upon behalf of which the person(s) acted, executed the instrument.
Signature ________________________________ (Seal)
Page 2 of 2
COMPLIANCE AGREEMENT
STATE OF CALIFORNIA )
) SS:
COUNTY OF STANISLAUS )
Loan Number:
Seller(s):
Lender:
Borrower(s): RICHARD WILLIAM ROGERS
Property:
The undersigned borrower(s) for and in consideration of the above referenced Lender this date funding the closing of this loan
agrees, if requested by Lender or Closing Agent for Lender, to fully cooperate and adjust for clerical errors, any or all loan
closing documentation if deemed necessary or desirable in the reasonable discretion of Lender to enable Lender to sell, convey,
seek guaranty or market said loan to any entity, including but not limited to, an investor, Fannie Mae, Freddie Mac, Federal
Housing Authority, the Department of Veterans Affairs or any municipal bonding authority.
The undersigned borrower(s) agree(s) to comply with all above noted requests by Lender or Closing Agent for Lender within
days from the date of mailing said requests. Borrower(s) agree(s) to assume all costs including, by way of illustration and
not limitation, actual expenses, legal fees and marketing losses, for failing to comply with correction requests in such
day time period.
The undersigned borrower(s) do hereby so agree and covenant in order to assure that the loan documentation executed this date
will conform and be acceptable in the market place in the instance of transfer, sale or conveyance by Lender or its interest in
and to said loan documentation.
Dated effective .
State of )
) ss.
County of )
On beforeme RICHARD WILLIAM ROGERS

personally appeared
,
who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument
and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their
signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument.

NOTARY SIGNATURE
(Typed Name of Notary)
NOTARY SEAL
CALIFORNIA COMPLIANCE AGREEMENT

CACOMP.MSC 08/05/11
Uniform Residential Loan Application
This application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants should complete this form as "Borrower" or "Co-Borrower,"
as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when X
the income or assets of a person other than the Borrower
(including the Borrower's spouse) will be used as a basis for loan qualification or the income or assets of the Borrower's spouse or other person who has community If there is a co-borrower
property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person
has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property listed, they both need to
state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.
sign here
If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):
Borrower Co-Borrower
I. TYPE OF MORTGAGE AND TERMS OF LOAN

Mortgage VA Conventional Other (explain): Agency Case Number Lender Case Number
Applied for: x FHA USDA/Rural
000-5555555-000 1234567890
Housing Service
Amount Interest Rate No. of Months Amortization Type: X Fixed Rate Other (explain):
$ 205,631.00 3.250 % 360 GPM ARM (type) :
II. PROPERTY INFORMATION AND PURPOSE OF LOAN

Subject Property Address (street, city, state & ZIP) No. of Units
8624 OAKLAWN AVENUE, MODESTO, CALIFORNIA 95355 1
LOT 10, BLOCK 55555 OF VILLAGE
Legal Description of Subject Property (attach description if necessary)
Year Built
HIGHLANDS PHASE III, AS PER MAP FILED DECEMBER 9, 19XX IN VOLUME 02 2000
OF MAPS, PAGE 55 STANISLAUS COUNTY RECORDS.
Purpose of Loan Purchase Construction Other (explain): Property will be:
X Refinance Construction-Permanent X Primary Residence Secondary Residence Investment
Complete this line if construction or construction-permanent loan.

Year Lot Original Cost Amount Existing Liens (a) Present Value of Lot (b) Cost of Improvements Total (a+b)
Acquired
$ $ $ $ $
Complete this line if this is a refinance loan.
Year Original Cost Amount Existing Liens Purpose of Refinance Describe Improvements made to be made
Acquired Change In Rate
2000 $ 168,000.00 $ 203,000.00 Term Cost: $
Title will be held in what Name(s) Manner in which Title will be held Estate will be held in:
RICHARD WILLIAM ROGERS To be determined in X
escrow Fee Simple
Source of Down Payment, Settlement Charges, and/or Subordinate Financing (explain)
Leasehold (show
expiration date)
Borrower Borrower's Name (include Jr. III. BORROWER INFORMATION Co-Borrower

or Sr. if applicable) RICHARD WILLIAM ROGERS Co-Borrower's Name (include Jr. or Sr. if applicable)
Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School
...........(209)555-5555 09/05/1966 12
Married X Unmarried (include single, Dependents (not listed by Co-Borrower) Married Unmarried (include single, Dependents (not listed by Borrower)
Separated divorced, widowed) no.0 ages Separated divorced, widowed) no. ages
Present Address (street, city, state, ZIP) X Own 12 No. Yrs.

Rent ______ Present Address (street, city, state, ZIP) Own Rent ______No. Yrs.
8624 OAKLAWN AVENUE
MODESTO, CA 95355
Mailing Address, if different from Present Address Mailing Address, if different from Present Address
Fannie Mae Form 1003 6/09

Freddie Mac Form 65 6/09 Borrower: ______ Page 1
If residing at present address for less than two years, complete the following:
Former Address (street, city, state, ZIP) Own Rent ______No. Yrs. Former Address (street, city, state, ZIP) Own Rent ______No. Yrs.
Borrower IV. EMPLOYMENT INFORMATION Co-Borrower

Name & Address of Employer Self Employed Yrs. on this job Name & Address of Employer Self Employed Yrs. on this job
Turn-Key Transportation 21 yrs 6 mos
Inc 4029 Leckron Road Yrs. employed in this Yrs. employed in this
Modesto, CA 95357 line of work/profession line of work/profession
21
Fleet
Position/Title/Type of Business Business Phone (incl. area Position/Title/Type of Business Business Phone (incl. area code)
code)(555)555-5555
Property Manager
If employed in current position for less than two years or if currently employed in more than one position, complete the following:
Name & Address of Employer Self Employed Dates (from - to) Name & Address of Employer Self Employed Dates (from - to)
Monthly Income Monthly Income

$ $
Position/Title/Type of Business Business Phone (incl. area code) Position/Title/Type of Business Business Phone (incl. area code)
Name & Address of Employer Self Employed Dates (from - to) Name & Address of Employer Self Employed Dates (from - to)
Monthly Income Monthly Income

$ $
Position/Title/Type of Business Business Phone (incl. area code) Position/Title/Type of Business Business Phone (incl. area code)
V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

Gross Combined Monthly
Monthly Income Borrower Co-Borrower Total Housing Expense Present Proposed
Base Empl. Income* $ .00 $ $ .00 Rent $
Overtime First Mortgage (P&I) 969.23 $ 894.92

Bonuses Other Financing (P&I)
Commissions Hazard Insurance 77.00 48.33

Dividends/Interest Real Estate Taxes 196.65 196.65
Net Rental Income Mortgage Insurance 195.48 200.25
Other (before completing, see Homeowner Assn. Dues
the notice in "describe other
income," below) Other:
Total $ .00 $ $ .00 Total $ 1,438.36 $ 1,340.15

* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.
Describe Other Income Notice: Alimony, child support, or separate maintenance income need not be revealed if the
Borrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.
B/C Monthly Amount
Fannie Mae Form 1003 6/09 Borrower: ______

Freddie Mac Form 65 6/09 Page 2
VI. ASSETS AND LIABILITIES
This Statement and any applicable support ing schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are
sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required.
If the Co-Borrower section was completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed about that spouse
or other person also.
Completed Jointly X Not Jointly
ASSETS Cash or Liabilities and Pledged Assets. List the creditor's name, address and account number for
Market Value all outstanding debts, including automobile loans, revolving charge accounts, real estate
loans, alimony, child support, stock pledges, etc. Use continuation sheet, if necessary.
Description Indicate by (*) those liabilities, which will be satisfied upon sale of real estate owned or
Cash deposit toward purchase held by: $ upon refinancing of the subject property.
Monthly Payment & Unpaid Balance

List checking and savings accounts below LIABILITIES Months Left to Pay
Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $ 203,929.00
CHASE QUICKEN LOANS 1,438.00
PO BOX 555555, SAN ANTONIO, TX * 142
78265
Acct. no. 55544444 $ 2,112.26 Acct. no. 8673304839629

CHASE THE GOLDEN 1 CREDIT 419.00
PO BOX 555555, SAN ANTONIO, TX UN 54
78265
Acct. no. 44455555 $ 1,700.77 Acct. no. 136771601

CHASE 158.00
R
Acct. no. $ Acct. no. 4388576048210002

Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $ 259.00
KOHLS/CAPONE 25.00
R
Acct. no. $ Acct. no. 6393050455483016

VI. ASSETS AND LIABILITIES (cont'd)
Stocks & Bonds (Company $ Name and address of Company $ Payment/Months $
name/number & description)
Acct. no.
Life Insurance net cash value $ Name and address of Company $ Payment/Months $
Face amount: $
Subtotal Liquid Assets $ 3,813.03

Real estate owned (enter market value $ 215,000.00
from schedule of real estate owned)
Vested interest in retirement fund $
Net worth of business(es) owned $

(attach financial statement) Acct. no.
Automobiles owned (make and year) $ Alimony/Child Support/Separate $

Maintenance Payments Owed to:
Other Assets (itemize) $ Job-Related Expense (child care, union dues, etc.) $
Total Monthly Payments $ 602.00

Net Worth
Total Assets a. $ 218,813.03 (a minus b)
$ 188,615.03 Total Liabilities b. $ 30,198.00
Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.)
Insurance,
Property Address (enter S if sold, PS if pending Type of Present Amount of Gross Mortgage Net Rental
Maintenance,
sale or R if rental being held for income) Property Market Value Mortgages & Liens Rental Income Payments Income
Taxes & Misc.
3321 Southgrove Ave, SFR
Modesto, CA 95355 $ 215,000.00 $ 203,405.00 $ $ 969.00 $ 469.00 $ 0.00
Totals $ 215,000.00 $ 203,405.00 $ $ 969.00 $ 469.00 $ 0.00

List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):
Alternate Name Creditor Name Account Number

VII. DETAILS OF TRANSACTION VIII. DECLARATIONS
a. Purchase price $ .00 If you answer "Yes" to any questions a through i, Borrower Co-Borrower
please use continuation sheet for explanation.
b. Alterations, improvements, repairs .00 Yes No Yes No
c. Land (if acquired separately)

a. Are t here any outstanding judgments against you? X
b. Have you been declared bankrupt w ithin t he past 7 years? X
d. Refinance (incl. debts to be paid off) 203,929.00 c. Have you had property f oreclosed upon or given t itle X
or deed in lieu t hereof in t he last 7 years?
e. Estimated prepaid items
1,800.00 d. Are you a party t o a law suit? X
X
f. Estimated closing costs 1,583.19 e. Have you directly or indirectly been obligated on any
loan which resulted in foreclosure, transfer of title
g. PMI, MIP, Funding Fee 3,536.66 in lieu of foreclosure, or judgment?
(This would include such loans as home mortgage loans, SBA loans,
h. Discount (if Borrower will pay) home improvemen t loans, educational loans, manufactured (mobile) home
loans, any mortgage, financial obligation, bond, or loan guarante e. If
"Yes," provide details, including date, name and address of Lender, FHA
or VA case number, if any, and reasons for the action.)
i. Total costs (add items a through h) 210,848.85
If you answer "Yes" to any questions a through i, Borrower Co-Borrower
j. Subordinate financing 0.00 please use continuation sheet for explanation. Yes No Yes No
k. Borrower's closing costs paid
by Seller .00 f. Are you presently delinquent or in default on any Federal debt or any X
other loan, mortgage, f inancial obligation, bond, or loan guarantee?
g. Are you obligated t o pay alimony, child support, or

X
l. Other Credits (explain) separate maintenance?
OTHER 1,102.01 X
1,028.16 h. Is any part of t he dow n payment borrow ed?
i. Are you a co-maker or endorser on a note?

X
m. Loan amount (exclude PMI, MIP, 202,095.00 j. Are you a U.S. citizen? X
Funding Fee financed)
n. PMI, MIP, Funding Fee financed 3,536.00 k. Are you a permanent resident alien? X
l. Do you intend to occupy the property as your primary residence? X
If "Yes," complete question m below.
o. Loan amount (add m & n) 205,631.00
m. Have you had an ow nership interest in a property in the last three years? X
(1) What t ype of property did you ow n - principal residence (PR),
p. Cash f rom/to Borrow er 3,087.68 second home (SH), or investment property (IP)? PR
___________ ____________
(subtract j, k, l & o from i) (2) How did you hold t itle t o t he home - by yourself (S),
jointly w ith your spouse (SP), or jointly w ith another person (O)? S
___________ ____________
IX. ACKNOWLEDGMENT AND AGREEMENT
Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors
and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and
that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person
who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine
or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et. seq.; (2) the loan requested pursuant to this application (the "Loan") will
be secured by a mortgage or deed of trust on the property described in this application; (3) the property will not be used for any illegal or prohibited purpose or use;
(4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this
applicat ion; (6) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not t he Loan is
approved; (7) the Lender and its agents, brokers, insurers, servicers, successors, and assigns may continuously rely on the information contained in the application,
and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change
prior to closing of the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors or assigns may, in addition to
any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer reporting agencies;
(9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents,
brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value
of the property; and (11) my transmission of this application as an "electronic record" containing my "electronic signature," as those terms are defined in applicable
federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be as
effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.
Acknowledgment. Each of the undersigned hereby acknowl edges t hat any owner of the Loan, its servicers, successors and assigns, may verify or reverify any
information contained in this application or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a
source named in this application or a consumer reporting agency.
Borrower's Signature Date Co-Borrower's Signature Date
X X

X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES
The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal
credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides
that a lender may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both
ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required
to note the information on the basis of visual observation and surname if you have made this application in person. If you do not wish to furnish the information, please
check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable
state law for the particular type of loan applied for.)
BORROWER I do not wish to furnish this information CO-BORROWER I do not wish to furnish this information
Ethnicity: Hispanic or Latino X Not Hispanic or Latino Ethnicity: Hispanic or Latino Not Hispanic or Latino
Race: American Indian or Asian Black or African American Race: American Indian or Asian Black or African American
Alaska Native Alaska Native
Native Hawaiian or X White Native Hawaiian or White
Other Pacific Islander Other Pacific Islander
Sex: X Female Male Sex: Female Male
To be Completed by Loan Originator:

This information was provided:
In a face-to-face interview
X In a telephone interview
By the applicant and was submitted by fax or mail
By the applicant and submitted via e-mail or the Internet
Loan Originator's Signature

X Date
Loan Originator's Name (print or type) Loan Originator Identifier Loan Originator's Phone Number (including area
Amir Kumar 333333 code)(916)555-5555
Loan Origination Company's Name Loan Origination Company Identifier Loan Origination Company's Address
Property Financial 123456 555 55TH ST STE 208,
Center Inc - Roseville, MODESTO, CALIFORNIA 95816
CA

CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATION
Use this continuation sheet if you need Borrower: Agency Case Number:
more space to complete the Residential RICHARD WILLIAM ROGERS
Loan Application. Mark B for Borrower
000-5555555-000
or C for Co-Borrower Co-Borrower: Lender Case Number:
1234567890
Additional Names under which credit has been received
Alternate Name Creditor Name Account Number

_____________________________ ______________________________ _____________________
Under California Civil Code 1812.30(j) "Credit applications for the

obtainment of money, goods, labor, or services shall clearly specify that
the applicant, if married, may apply for a separate account."
I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above
facts as applicable under the provisions of Title 18, United States Code, Section 1001, et seq.
Borrower' s Signature Date Co-Borrower' s Signature Date
X X

Read instructions
carefully
Lender: TRISTAR FINANCE GROUP, INC
USA PATRIOT ACT

CUSTOMER IDENTIFICATION VERIFICATION
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial
institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for
you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to
identify you. We may also ask to see your driver's license or other identifying documents.
INSTRUCTIONS TO INDIVIDUAL COMPLETING THIS VERIFICATION

The named individual must present at least two (2) forms of identifying documents for review; at least one (1) of the identifying
documents must be an unexpired government-issued document bearing a photograph of the named individual. Other identifying
documents not specifically listed below must, at a minimum, bear the individual's name. Examples of other acceptable identifying
documents include:
Current government-issued visa; Medicare card; student identification card; voter
registration card; recent property tax or utility bill; most recent W-2 or signed
federal or state tax returns; bank statements; and proof of car/house/renter's
insurance coverage. Please contact the above-named Lender if you have any
questions regarding the acceptability of any identifying document.
Borrower' s Name: RICHARD WILLIAM ROGERS Date of Birth: SEPTEMBER 5, 1966
X Residential or Business Address:* 8624 OAKLAWN AVENUE
MODESTO, CA 95355
Taxpayer Identification Number (SSN):** 555-55-5555
Place of Issue/Expiration
Identifying Documents ID Number Date of Birth Photo?
Issuance Date(s)
State/Foreign Driver' s License Yes

No
State/Foreign ID Card Yes

No
U.S./Foreign Passport Yes

No
Military ID Yes
No
The Signing Agent will
Yes
Resident Alien Card complete this No
section with applicable
Social Security Card
ID info
Birth Certificate
Other: Yes
No
Other: Yes
No
*For an individual without a residential or business address, provide an APO or FPO box number, or the residential or business address of next of kin or another contact
person.
**For non-U.S. persons without a tax identification number, provide a passport number and country of issuance; an alien identification card number, or the number
and country of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar safeguard.
CUSTOMERIDENTIFICATION VERIFICATION
31 CFR 1020.220
CIV.MSC 03/06/13 Page 1 of 2
ADDITIONAL COMMENTS
(e.g., please note any discrepancies in the borrower' s identifying documents):
CERTIFICATION
I, the undersigned, hereby certify that: (i) I have personally examined the identifying documents indicated above presented to me by
the named individual, (ii) I have accurately recorded the information appearing in the identifying documents I examined, and (iii) except
as may be indicated above, each of the indicated identifying documents appears to be genuine, the information contained in the
identifying documents is consistent in all respects with the information provided by the named individual, and, where applicable, the
photograph appears to be that of the named individual.
Signing Agent Signature Date
Signature and Date

Name and Title
Title should be: Signing

Agent
CUSTOMERIDENTIFICATION VERIFICATION
31 CFR 1020.220
CIV.MSC 03/06/13 Page 2 of 2
BORROWER'S CERTIFICATION AND AUTHORIZATION
CERTIFICATION
The undersigned certify the following:
1. I/We have applied for a mortgage loan from TRISTAR FINANCE GROUP, INC.
INC. ("Lender").
In applying for the loan, I/we completed a loan application containing various information on the purpose of the loan, the
amount and source of the downpayment, employment and income information, and assets and liabilities. I/We certify that all
of the information is true and complete. I/We made no misrepresentations in the loan application or other documents, nor did
I/we omit any pertinent information.
2. I/We understand and agree that Lender reserves the right to change the mortgage loan review process. This may include
verifying the information provided on the application with the employer and/or the financial institution.
3. I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false
statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, Section 1014.
4. I/We provided Lender with verbal and/or written authorization to order a consumer credit report and verify other credit
information, including past and present mortgage and landlord references in connection with my/our application for this loan.
AUTHORIZATION TO RELEASE INFORMATION
To Whom It May Concern:
1. I/We have applied for a mortgage loan from Lender. As part of the application process, Lender and the mortgage guaranty
insurer (if any), may verify information contained in my/our loan application and in other documents required in connection
with the loan, either before the loan is closed or as part of its quality control program.
2. I/We authorize you to provide to Lender and to any investor to whom you may sell my mortgage, and to the mortgage
guaranty insurer (if any), any and all information and documentation that they request. Such information includes, but is not
limited to, employment history and income; bank, money market, and similar account balances; credit history; and copies of
income tax returns.
3. I/We further authorize Lender to order a consumer credit report and verify other credit information, including past and
present mortgage and landlord references.
4. Lender or any investor that purchases the mortgage, or the mortgage guaranty insurer (if any), may address this
authorization to any party named in the loan application.
5. A copy of this authorization may be accepted as an original.
6. Your prompt reply to Lender, the investor that purchased the mortgage, or the mortgage guaranty insurer (if any) to their
requests in connection with your mortgage loan application is appreciated.
7. Mortgage guaranty insurer (if any):

N/A

TDC.LSR 01/05/12 Page 1 of 2
Right of Financial Privacy Act of 1978 Notice- The Department of Housing and Urban Development (HUD) and the
Department of Veterans Affairs (VA) have the right to access financial information held by a financial institution in determining
whether to qualify a prospective applicant under their respective loan programs. If you are applying for HUD or VA loan,
your financial records will be made available to the requesting government agency without further notice to or authorization
from you; such financial information will not be disclosed or released outside the requesting agency except as required or
permitted by law. Prior to the time that your financial records are disclosed, you may revoke this authorization at any time;
however, your refusal to provide the information may cause your application to be delayed or rejected. If you believe that your
financial records have been disclosed improperly, you may have legal rights under the Right to Financial Privacy Act of 1978
(12 USC 3400 et seq.).
555-55-5555
Borrower RICHARD WILLIAM ROGERS Date Social Security Number
Make sure SSN
is there
Borrower Date Social Security Number

TDC.LSR 01/05/12 Page 2 of 2
Form 4506-T Request for Transcript of Tax Return
(Rev. January 2012) OMB No. 1545-1872
Request may be rejected if the form is incomplete or illegible.
Department of the Treasury
Internal Revenue Service
Tip: Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by using our
automated self-help service tools. Please visit us at IRS.gov and click on "Order a Transcript" or call 1-800-908-9946. If you need a copy of your return, use Form
4506, Request for Copy of Tax Return. There is a fee to get a copy of your return.
1a Name shown on tax return. If a joint return, enter the name shown 1b First social security number on tax return, individual
first. RICHARD WILLIAM ROGERS taxpayer identification number, or employer identification
number (see instructions)
555-55-5555
2a If a joint return, enter spouse's name shown on tax return. 2b Second social securit y number or individual t axpayer
identification number if joint tax return
3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code (See Have borrower
instructions)
8624 OAKLAWN AVENUE, MODESTO, CALIFORNIA 95355
confirm all
4 Previous address shown on the last return filed if different from line 3 (See instructions) information is
accurate
5 If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party's name, address, and
telephone number.
TRISTAR FINANCE, INC., 1000 MAIN STREET LOS ANGELES, CALIFORNIA
91301
STREET, SUITE 250, CENTENNIAL, COLORADO 80112
Caution: If the tax transcript is being mailed to a third party, ensure that you have filled in lines 6 through 9 before signing. Sign and date the form once you
have filled in these lines. Completing these steps helps to protect your privacy. Once the IRS discloses your IRS transcript to the third party listed on line 5,
the IRS has no control over wh at t he third party does with the information. If you would like to limit the third party' s authority to disclose your transcript
information, you can specify this limitation in your written agreement with the third party.
6 Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form
number per request. 1040
a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflect changes
made to the account after the return is processed. Transcripts are only available for the following returns: Form 1040 series, Form 1065, Form
1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Return transcripts are available for the current year and returns processed
during the prior 3 processing years. Most requests will be processed within 10 business days . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
b Account Transcript, which contains information on th e f inancial status of the account, such as payments made on the account, penalty
assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability and
estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 30 calendar days ..
c Record of Account, which provides the most detailed information as it is a combination of the Return Transcript and the Account Transcript.
Available for current year and 3 prior tax years. Most requests will be processed within 30 calendar days . . . . . . . . . . . . . . . . . . . . . . .
7 Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requestsare only available after
June 15th. There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days . . . . . .
8 Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from these
information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript
information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example,
W-2 information for 2010, filed in 2011, will not be available from the IRS until 2012. If you need W-2 information for retirement purposes,
you should contact the Social Security Administration at 1-800-772-1213. Most requests will be processed within 45 days ..........
Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed with your
return, you must use Form 4506 and request a copy of your return, which includes all attachments.
9 Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four years
or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter each quarter
or tax period separately.
12/31/20XX 12/31/20XX
Check this box if you have notified the IRS or the IRS has notified you that one of the years for which you are requesting a transcript involved
identity theft on your federal tax return . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Caution. Do not sign this form unless all applicable lines have been completed .
Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax information
requested. If the request applies to a joint return, either husband or wife must sign. If signed by a corporate officer, partner, guardian, tax matters partner,
executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506-T on behalf of the taxpayer.
Note: For transcripts being sent to a third party, this form must be received within 120 days of signature date.
Phone number of taxpayer on line 1a or 2a
(555)555-5555
Sign Signature (see instructions) Date
Here
Title (if line 1a above is a corporation, partnership, estate, or trust)
Spouse's signature Date
For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 37667N Form 4506-T (Rev. 1-2012)
Page 1 of 2
Form 4506-T (Rev. 1-2012)
Page 2
Section references are to the Internal Revenue Code Chart for all other transcripts Individuals. Transcripts of jointly filed tax
unless otherwise noted. returns may be furnished to either spouse. Only one
If you lived in or Mail or fax to the
signature is required. Sign Form 4506-T exactly as
What's New your business "Internal Revenue
your name appeared on t he original return. If you
The IRS has created a page on IRS.gov for was in: Service" at:
inf orm at ion ab o u t Fo r m 4 5 0 6 -T at changed your name, also sign your current name.
www.irs.go v/form4506 . Information about any Corporations. Generally, Form 4506-T can be
Alabama, Alaska, signed by: (1) an officer having legal authority to bind
recent developments affecting Form 4506-T (such as
legislation enacted after we released it) will be Arizona, Arkansas, the corporation, (2) any person designated by the board
posted on that page. California, Colorado, of directors or other governing body, or (3) any officer
Florida, Hawaii, Idaho, or employee on w ritten request by any principal officer
General Instructions Iowa, Kansas, and attested t o by t he secretary or other officer.
CAUTION. Do not sign this form unless all applicable Louisiana, Minnesota, RAIVS Team Partnerships. Generally, Form 4506-T can be
lines have been completed.
Purpose of form. Use Form 4506-T to request tax Mississippi, P.O. Box 9941 signed by any person w ho w as a member of the
return information. You can also designate (on line 5) Missouri, Montana, Mail Stop 6734 partnership during any part of the tax period requested
a third party to receive the information. Taxpayers Nebraska, Nevada, Ogden, UT 84409 on line 9 .
using a tax year beginning in one calendar year and New Mexico, All others. See section 6103(e) if the taxpayer has
ending in the following year (fiscal tax year) must file North Dakota, died, is insolvent, is a dissolved corporation, or if a
Form 4506-T to request a return transcript. trustee, guardian, executor, receiver, or administrator is
Oklahoma, Oregon,
Not e. If you are unsure of which type of transcript acting f or t he t axpayer.
you need, request the Record of Accoun t, as it South Dakota, Texas,
Documentation. For entities other than individuals,
provides the most detailed information. Utah, Washington,
you must attach the authorization document. For
Tip. Use Form 4 506, Request for Copy of Tax Wyoming, a foreign
Return, to request copies of tax returns. example, this could be the letter from the principal
country, or A.P.O. or 801-620-6922 officer authorizing an employee of the corporation or
Where to file. Mail or fax Form 4506-T to the F.P.O. address
address below for the state you lived in, or the state the letters testamentary authorizing an individual to
your business was in, when that return was filed. act for an estate.
There are two address char t s: one for individual Connecticut,
transcripts (Form 1040 series and Form Delaware, District of
W-2) and one for all other transcripts. Columbia, Georgia, Privacy Act and Paperwork Reduction Act Notice.
If you are requesting more than one transcript or other Illinois, Indiana, We ask for the information on this form to establish
product and the chart below show s tw o different Kentucky, Maine, your right to gain access to the requested tax
addresses, send your request to t he address based on information under the Internal Revenue Code. We
the address of your most recent return. Maryland,
Massachusetts, need this information to properly identify the tax
Automated transcript request. You can quickly request inf ormation and respond to your request. You are
transcripts by using our automated self help-service Michigan, New RAIVS Team
not required to request any transcrip t ; if you do
tools. Please visit us at IRS.gov and click on " Order a Hampshire, New P.O. Box 145500
request a transcript, sections 6103 and 6 109 and
Transcript" or call 1 -800-908-9946. Jersey, New York, Stop 2800 F
their regulations require you to provide t his
Chart for individual North Carolina, Cincinnati, OH information, including your SSN or EIN. If you do
transcripts (Form 1040 series Ohio, Pennsylvania, 45250 not provide this information, we may not be able to
and Form W-2 and Form 1099) Rhode Island, South process your request. Providing false or fraudulent
If you filed an Mail or fax to the Carolina, Tennessee, information may subject you to penalties.
individual return "Internal Revenue Vermont, Virginia, Routine uses of this information include giving it to
and lived in: Service" at: West Virginia, 859-669-3592 the Department of Justice for civil and criminal
Alabama, Kentucky, RAIVS Team Wisconsin litigation, and cities, states, the District of Columbia,
Louisiana, Stop 6716 AUSC and U.S. commonw ealths and possessions for use in
Mississippi, Austin, TX 73301
Line 1b. Enter your employer identification administering their tax law s. We may also disclose this
Tennessee, Texas, a
foreign country, number (EIN) if your request relates to a business information to other countries under a tax treaty, to
American Samoa, return. Othe rw ise, enter the first social security feder al and state agencies to enforce federal nontax
Puerto Rico, Guam, the numb er (SSN) or your individual taxpayer criminal law s, or to federal law enforcement and
Commonwealth of the identification number (ITIN) shown on the return. intelligence agencies t o combat t errorism.
Northern Mariana For example, if you are requesting Form 1040 that You are not required to provide the information
Islands, the U.S. Virgin requested on a form that is subject to the
Islands, or A.P.O. or 512-460-2272 includes Schedule C (Form 1040), enter your SSN.
Paperwork Reductio n Act unless the form displays
F.P.O. address Line 3. Enter your current address. If you use a a valid OMB co nt rol number. Books or records
Alaska, Arizona, RAIVS Team P.O. box, include it on this line. relating to a form or its instructions must be retained
Arkansas, California, Stop 37106 Line 4. Enter the address shown on the last return as long as their contents may become material in
Colorado, Hawaii, Fresno, CA 93888 th e administration of any Internal Revenue law.
Idaho, Illinois, Indiana, filed if different from the address entered on line
3. Generally, tax retur ns and return information are
Iowa, Kansas,
confidential, as required by section 6103.
Michigan, Minnesota, Note. If the address on lines 3 and 4 are different
Montana, Nebraska, The time needed to complete and file Form 4506-T
Nevada, New Mexico, and you have not changed your address with the w ill vary depending on individual circumstances. The
North Dakota, IRS, file Form 8822, Change of Address. estimat ed average time is: Learning about the law or
Oklahoma, Oregon, Line 6 . Enter only one tax form number per the form, 10 min.; Preparing the form, 12 min.; and
South Dakota, Utah, Copying, assembling, and sending the form to the IRS,
Washington, 559-456-5876 request.
20 min.
Wisconsin, Wyoming Signature and date. Form 4506-T must be signed If you have comments concerning the accuracy of
Connecticut, Delaware, RAIVS Team and dated by the taxpayer listed on line 1a or 2a. these time estimates or suggestions for making Form
District of Columbia, Stop 6705 P-6 If you completed line 5 requesting the information 4506-T simpler, we would be happy to hear from you. You
Florida, Georgia, Maine, Kansas City, MO be sent to a third party, the IRS must receive Form can write to:
Maryland, Massachusetts, 64999 4506-T within 120 days of the date signed by the Internal Revenue Service
Missouri, New Hampshire, taxpayer or it will be rejected. Ensure that all Tax Products Coordinating Committee
New Jersey, New York, SE:W:CAR:MP:T:M:S
North Carolina, Ohio, applicable lines are completed before signing.
1111 Constitution Ave. NW, IR-6526
Pennsylvania, Rhode Island, Washington, DC 20224
South Carolina, Vermont, 816-292-6102
Virginia, West Virginia Do not send the form to this address. Instead, see
Where to file on this page.
For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 37667N Form 4506-T (Rev. 1-2012)
Page 2 of 2
Form W-9 Give Form to the
(Rev. December 2011) Request for Taxpayer requester. Do
Department of the Treasury Identification Number and Certification not send to the
Internal Revenue Service IRS.
Name (as shown on your income tax return)
Business name/disregarded entity name, if different from above
Check appropriate box for federal tax classification:

x 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) TRISTAR
8624 OAKLAWN AVENUE FINANCE GROUP, INC
City, state, and ZIP code
1000 MAIN STREET
MODESTO, CALIFORNIA 95355
List account number(s) here (optional) LOS ANGELES,
1234567890 CALIFORNIA 91301
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 Social security number
to avoid backup withholding. For individuals, this is your social security number (SSN). However, for a
resident alien, sole propriet or, 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 num ber, see How t o get 555-55-5555
a TIN on page 3 .
Note. If the account is in more than one name, see the chart on page 4 forguidelines on whose number
Have borrower confirm
Employer identification number
to enter. information is accurate
Part II Certification
and complete
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 propert y, cancellat ion 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 Signature of
Here U.S. person Date
General Instructions 3. Claim exemption from backup withholding if you are a U.S.
Section references are to the Internal Revenue Code unless otherwise exempt payee. If applicable, you are also certifying that as a U.S.
noted. person, your allocable share of any partnership income from a U.S.
Purpose of Form trade or business is not subject to the withholding tax on foreign
partners' share of effectively connected income.
A person who is required to file an inf ormation return with the IRS
must obtain your correct taxpayer identification number (TIN) to report, Note. If a requester gives you a form other than Form W-9 to request
for example, income paid to you, real estate transactions, mortgage your TIN, you must use the requester's form if it is substantially similar
int erest you paid, acquisition or abandonment of secured property, to this Form W-9.
cancellation of debt, or contributions you made to an IRA.
Definition of a U.S. person. For federal tax purposes, you are
Use Form W-9 only if you are a U.S. person (including a resident
considered a U.S. person if you are:
alien), to provide your correct TIN to the person requesting it (the
An individual who is a U.S. citizen or U.S. resident alien,
requester) and, when applicable, to:
A partnership, corporation, company, or association created or
1. Certify that the TIN you are giving is correct (or you are waiting
organized in the United States or under the laws of the United States,
for a number to be issued),
An estate (other than a foreign estate) or
2. Certify that you are not subject to backup withholding, or
A domestic trust (as defined in Regulations section 301.7701-7).
Form W-9 (Rev. 12-2011) Cat. No. 10231X
Check for possible ini-

tial lines at bottom of
document
Form W-9 (Rev. 12-2011) Page 2
Special rules for partnerships. Partnerships that conduct a t rade or Payments that may be subject to backup withholding include interest,
business in the United St at es are generally required to pay a tax-exempt interest, dividends, broker and barter exchange
withholding tax on any foreign partners' share of income from such transactions, rents, royalties, nonemployee pay, and certain payments
business. Further , in certain cases where a Form W-9 has not been from fishing boat operators. Real estate transactions are not subject
received, a partnership is required to presume that a part ner is a to backup withholding.
foreign person, and pay the withholding tax. Therefore, if you are a You will not be subject to backup wi t hholding on payments you
U.S. person that is a partner in a partnership conducting a t rade or receive if you give the requester your correct TIN, make the proper
business in the United States, provide Form W-9 to the partnership to certifications, and report all your taxable interest and dividends on your
establish your U.S. status and avoid withh olding on your share of tax return.
partnership income.
Payments you receive will be subject to backup withholding if:
The person who gives Form W-9 to the partnership for purposes of
1. You do not furnish your TIN to the requester,
establishing its U.S. status and avoiding withhol ding on its allocable
2. You do not certify your TIN when required (see the Part II
share of net income from the partnership conducting a trade or
instructions on page 4 for details),
business in the United States is in the following cases:
3. The IRS tells the requester that you furnished an incorrect TIN,
The U.S. owner of a disregarded entity and not the entity,
4. The IRS t ells you that you are subject to backup withholding
The U.S. grantor or other ow ner of a grantor trust and not the trust, and
because you did not report all your interest and dividends on your tax
The U.S. trust (other than a grantor trust) and not the beneficiaries
return (for reportable interest and dividends only), or
of the trust.
5. You do not certify to t he requester that you are not subject to
Foreign person. If you are a f oreign person, do not use Form W-9. backup withholding under 4 above (for reportable interest and dividend
Instead, use the appropriate Form W-8 (see Publication 515, accounts opened after 1983 only).
Withholding of Tax on Nonresident Aliens and Foreign Entities). Certain payees and payments are exempt from backup withholding.
See the instructions below and the separate Instructions for the
Nonresident alien who becomes a resident alien. Generally, only a
Requester of Form W-9.
nonresident alien individual may use the terms of a tax treaty to reduce
Also see Special rules for partnerships on this page.
or eliminate U.S. tax on certain types of income. However, most tax
treaties contain a provision known as a "saving clause." Exceptions Updating Your Information
specified in the saving clause may permit an exemption from tax to You must provide updated information to any person to whom you
cont inue for certain types of income even after the payee has claimed to be an exempt payee if you are no longer an exempt payee
otherwise become a U.S. resident alien for tax purposes. and anticipate receiving report able payments in the future from this
If you are a U.S. resident alien who is relying on an exception person. For example you may need to provide updated information if
contained in the saving clause of a tax treaty to claim an exemption you are a C corporation that elects to be an S corporation, or if you no
from U.S. tax on certain types of income, you must attach a statement longer are tax exempt. In addition, you must furnish a new Form W-9
to Form W-9 that specifies the following five items: if the name or TIN changes for the account, for example, if the grantor
1. The treaty country. Generally, this must be the same t reaty of a grantor trust dies.
under which you claimed exemption from tax as a nonresident alien.
Penalties
2. The treaty article addressing the income.
3. The article number (or location) in the tax treaty that contains the Failure to furnish TIN. If you fail to furnish your corr ect TIN to a
saving clause and its exceptions. requester , you are subject to a penalty of $50 for each such failure
4. The type and amount of income that qualifies for the exemption unless your failure is due to reasonable cause and not to willful
from tax. neglect.
5. Sufficient facts to justify the exemption from tax under the terms Civil penalty for false informationwith respect to withholding. If you
of the treaty article. make a false st at ement with no reasonable basis that results in no
Example. Article 20 of the U.S.-China income tax treaty allows an backup withholding, you are subject to a $500 penalty.
exemption from tax for scholarship income received by a Chinese Criminal penalty for falsifying information. Willfully falsifying
student temporarily present in the United States. Under U.S. law, this certifications or affirmations may subject you to criminal penalties
student will become a resident alien for tax purposes if his or her stay including fines and/or imprisonment.
in the United States exceeds 5 calendar years. However, paragraph Misuse of TINs. If the requester discloses or uses TINs in violation of
2 of the first Protocol to the U.S.-China treaty (dated April 30, 1984) federal law, the requester may be subject to civil and criminal
allows the provisions of Article 20 to continue to apply even after the penalties.
Chinese student become s a resident alien of the United States. A Specific Instructions
Chinese student who qualifies for this exception (under paragraph 2 of
the first protocol) and is relying on this exception to claim an Name
exemption from tax on his or her scholarship or fellowship income If you are an individual, you must generally enter the name shown on
would attach to Form W-9 a statement that includes the information your income tax return. However, if you have changed your last name,
described above to support that exemption. f or instance, due to marriage without informing the Social Secur it y
If you are a nonresident alien or a f oreign entity not subject t o backup Administration of the name change, enter your first name, the last
w ithholding, give t he requester t he appropriate completed Form W-8. 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
What is backup withholding? Persons making certain payments to you of the person or entity whose number you entered in Part I of the form.
must under certain cond it ions withhold and pay to the IRS a
percentage of such payments. This is called "ba ckup withholding."
Form W-9 (Rev. 12-2011) Cat. No. 10231X

Sole proprietor. Enter your individual name as shown on your income 3. A state, the District of Columbia, a possession of the United
tax return on the "Name" line. You may enter your business, trade, or States, or any of their political subdivisions or instrumentalities,
"doing business as (DBA)" name on the "Business name/disregarded 4. A for eign government or any of its political subdivisions,
entity name" line. agencies, or instrumentalities, or
5. An international organization or any of its agencies or
Partnership, C Corporation, or S Corporation. Enter the entity's name
instrumentalities.
on the "N ame" line and any business, trade, or "doing business as
Other payees that may be exempt from backup withholding include:
(DBA) name" on the "Business name/disregarded entity name" line.
6. A corporation,
Disregarded entity. Enter the owner's name on the "Name" line. The 7. A foreign central bank of issue,
name of the entity entered on the "Name" line should never be a 8. A dealer in securities or commodities required to register in the
disregarded entity. The name on the "Name" line must be the name United States, the District of Columbia, or a possession of the United
shown on the income tax return on which the income will be reported. States,
For example, if a foreign LLC that is treated as a disregarded entity for 9. A futures commission merchant registered with the Commodity
U.S. federal tax purposes has a domestic owner, the domestic owner's Futures Trading Commission,
name is required to be provided on the "N ame" line. If the direct 10. A real estate investment trust,
owner of the entity is also a disregarded entity, enter the first owner 11. An entity registered at all times during the tax year under the
that is not disregarded for federal tax purposes. Enter the disregarded Investment Company Act of 1940,
entity's name on the "Business name/disregarded entity name" line. 12. A common trust fund operated by a bank under section 584(a),
If the owner of the disregarded entity is a foreign person, you must 13. A financial institution,
complete an appropriate Form W-8. 14. A middleman known in the investment community as a nominee
Note. Check the appropriate box for the federal tax classification of or custodian, or
the person whose name is entered on the "Name" line (Individual/sole 15. A trust exempt f rom t ax under section 664 or described in
proprietor, Partnership, C Corporation, S Corporation, Trust/estate). section 4947.
The following chart shows types of payments that may be exempt
Limited Liability Company (LLC). If t he person identified on the from backup withholding. The chart applies to the exempt payees
"Name" line is an LLC, check the "Limited liability company" box only listed above, 1 through 15.
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 IF the payment is for . . . THEN the payment is exempt
tax purpose s, enter "P" for partnership. If you are an LLC that has for. . .
filed a Form 8832 or a Form 2553 to be taxed as a corporation, enter Interest and dividend payments All exempt payees except for 9
"C" for C corporation or "S" for S corporation. If you are an LLC that
Broker transactions Exempt payees 1 through 5 and
is disregarded as an entity separate from its owner under Regulation
7 thr ough 13. Also, C
section 301.7701-3 (except for employment and excise tax), do not
corporations.
check the LLC box unless the owne r of t he LLC (required to be
identified on the "Name" line) is another LLC that is not disregarded for Barter exchange transa ctions Exempt payees 1 through 5
federal tax purposes. If the LLC is disregarded as an entity separate and patronage dividends
from its owner, enter the appropriate tax classification of the ow ner Payments over $600 required Generally, exempt payees 1
identified on the "Name" line. to be reported and direct sales through 7 2
Other entities. Enter your business name as shown on required federal over $5,000 1
tax documents on the "Name" line. This name should match the name
1
See Form 1099-MISC, Miscellaneous Income, and its instructions.
shown on the charter or other legal document creating the entity. You
2
However, the following payments made to a corporation and reportable on
Form 1099-MISC are not exempt from backup withholding: medical and health
may enter any business, trade, or DBA name on the "Business name/
care payments, attorneys' fees, gross proceeds paid to an attorney, and
disregarded entity name" line. payments for services paid by a federal executive agency.
Exempt Payee Part I. Taxpayer Identification Number (TIN)

If you are exempt from backup wi t hholding, enter your name as
described above and check the appropriate box for your status, then Enter your TIN in the appropriate box. If you are a resident alien and
check the "Exempt payee" box in the line following the "Business you do not have and are not eligible to get an SSN, your TIN is your
name/disregarded entity name," sign and date the form. IRS individual taxpayer identification number (ITIN). Enter it in the
Generally, individuals (including sole proprietors) are not exempt social security number box. If you do not have an ITIN, see How to
from backup withholding. Corporations are exempt from backup get a TIN below.
withholding for certain payments, such as interest and dividends. If you are a sole proprietor and you have an EIN, you may enter either
your SSN or EIN. How ever, t he IRS prefers t hat you use your SSN.
Note. If you are exempt from backup withholding, you should still If you are a single-member LLC that is disregarded as an entity
complete this form to avoid possible erroneous backup withholding. separate from its owner (see Limited Liability Company (LLC) on page
The following payees are exempt from backup withholding: 3), enter the owner's SSN (or EIN, if the owner has one). Do not enter
1. An organization exempt from tax under section 501(a), any IRA, the disregarded entity's EIN. If the LLC is classified as a corporation
or a custodial account under section 403(b)(7) if the account satisfies or partnership, enter the entity's EIN.
the requirements of section 401(f)(2),
2. The United States or any of its agencies or instrumentalities,
Form W-9 (Rev. 12-2011) Cat. No. 10231X

Note. See the chart on page 4 for further clarification of name and TIN 5. Mortgage interest paid by you, acquisition or abandonment of
combinations. secured property, cancellation of debt, qualified tuition program payments
(under section 529), IRA, Coverdell ESA, Archer MSA or HSA
How to get a TIN. If you do not have a TIN, apply for one immediately. contributions or distributions, and pension distributions. You must give
To apply for an SSN, get Form SS-5, Application for a Social Security your correct TIN, but you do not have t o sign t he certification.
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- What Name and Number To Give the Requester
800-772-1213. Use Form W-7, Application for IRS Individual Taxpayer For this type of account: Give name and SSN of:
Identification Number, to apply for an ITIN, or Form SS-4, Application
1. Individual The individual
for Employer Identification Number, to apply for an EIN. You can apply
2. Two or more individuals (joint The actual owner of the account or, if
for an EIN online by accessing the IRS w ebsit e at account) combined funds, the first individual on
www.irs.gov/businesses and clicking on Employer Identificatio n the account 1
Number (EIN) under Starting a Business. You can get Forms W-7 and 3. Cust odian account of a minor The minor 2
SS-4 from the IRS by visiting IRS.gov or by calling 1-800-TAX-FORM (Uniform Gift to Minors Act)
(1-800-829-3676). 4. a. The usual revocable savings The grantor-trustee 1
If you are asked to complete Form W-9 but do not have a TIN, write trust (grantor is also trustee)
b. So-called trus t account that The actual owner 1
"Applied For" in t he space for the TIN, sign and date the form, and is not a legal or valid tru st
give it to t he requester. For interest and dividend payments, and under state law
certain payments made with respect to readily tradable instruments, 5. Sole proprietorship or disregarded The owner 3
generally you will have 6 0 days t o get a TIN and give it to the entity owned by an individual
requester before you are subject to backup withholding on payments. 6. Grantor trust filing under Optional The grantor*
The 60-day rule does not apply to other types of payments. You will Form 1099 Filing Method 1 (see
Regu lat ion sec t ion 1.671-
be subject to backup withhol ding on all such payments until you 4(b)(2)(i)(A))
provide your TIN to the requester.
For this type of account: Give name and EIN of:
Note. Entering "Applied For" means that you have already applied for
7. Disregarded entity not owned by The owner
a TIN or that you intend to apply for one soon. an individual
Caution: A disregarded domestic entity that has a foreign owner must 8. A valid trust, estate, or pension Legal entity 4
use the appropriate Form W-8. trust

9. Corporate or LLC electing The corporation
Part II. Certification corporate status on Form 8832 or
Form 2553
To establish to the withholding agent that you are a U.S. person, or The organization
resident alien, sign Form W-9. You may be requested to sign by the 10. Association, club, religious,
charitable, educational, or other
withholding agent even if items 1, 4 and 5 below indicate otherwise.
tax-exempt organization
For a joint account, only the person whose TIN is shown in Part I
11. Partnership or multi-member LLC The partnership
should sign (when required). In the case of a disregarded entity, the
person identified on the "Name" line must sign. Exempt payees, see 12. A broker or registered nominee The broker or nominee
Exempt Payee on page 3. 13. Account with the Department of The public entity
A griculture in the name of a
Signature requirements. Complete the certification as indicated in publi c ent ity (such as a state or
items 1 through 5, below. local government, school district,
or prison) t hat rec eiv es
1. Interest, dividend, and barter exchange accounts opened before
agricultural program payments
1984 and broker accounts considered active during 1983. You must
give your correct TIN, but you do not have to sign the certification. 14. Grantor trust filing under the The trust
2. Interest, dividend, broker, and barter exchange accounts opened Form 10 41 Filing Method or the
Optional Form 1099 Filing Method
after 1983 and broker accounts considered inactive during 1983. You
2 (see Regulation section 1.671-
must sign the certification or backup withholding will apply. If you are 4(b)(2)(i)(B))
subject to backup withholding and you are merely providing your
correct TIN to the requester, you must cross out item 2 in the 1
List first and circle the name of the person whose number you furnish. If only
certification before signing the form. one person on a joint account has an SSN, that person's number must be
furnished.
3. Real estate transactions. You must sign the certification. You 2
Circle the minor's name and furnish the minor's SSN.
may cross out item 2 of the certification. 3
You must show your individual name and you may also enter your business or
4. Other payments. You must give your correct TIN, but you do not "DBA" name on the "Business name/disregarded entity" name line. You may
have to sign the certification unless you have been notified that you use either your SSN or EIN (if you have one), but the IRS encourages you to use
have previously given an incorrect TIN. "Other payments" inclu de your SSN.
payments made in the course of the requester's trade or business for
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
rents, royalties, goods (other than bills for merchandise), medical and itself is not designated in t he account title.) Also see Special rules for
health care services (including payments to corporations), payments to partnerships on page 2.
a nonemployee for services, paym ent s t o certain fishing boat crew * Note. Grantor also must provide a Form W-9 to trustee of trust.
members and fishermen, and gross proceeds paid to attorneys
(including payments to corporations). 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.
Form W-9 (Rev. 12-2011) Cat. No. 10231X

Secure Your Tax Records from Identity Theft Protect yourself from suspicious emails or phishing schemes. Phishing
Ident it y theft occurs when someone uses your personal information is t he creation and use of email and websites designed to mimic
such as your name, social security number (SSN), or other identifying legitimate business emails and websites. The most common act is
information, without your permission, to commit fraud or other crimes. sending an email to a user falsely claiming to be an established
An identity thief may use your SSN to get a job or may file a tax return legitimate enterprise in an attempt to scam the user into surrendering
using your SSN to receive a refund. private information that will be used for identity theft.
The IRS does not initiate contacts with taxpayers via emails. Also,
To reduce your risk:
the IRS does not request personal detailed information through email
Protect your SSN,
or ask taxpay ers for the PIN numbers, passwords, or similar secret
Ensure your employer is protecting your SSN, and
access information for their credit card, bank, or oth er f inancial
Be careful when choosing a tax preparer.
accounts.
If your tax records are affected by identity theft and you receive a If you receive an unsolicited email claiming to be from the IRS,
notice from the IRS, respond right away to the name and phone forward this message to [email protected]. You may also report
number printed on the IRS notice or letter. misuse of the IRS name, logo, or other IRS property to the Treasury
If your tax records are not currentl y affected by identity theft but Inspector General for Tax Administration at 1-800-366-4484. You can
you think you are at risk due to a lost or stolen purse or wallet, forward suspicious emails to the Federal Trade Commission at:
quest ionable credit card activity or credit report, contact the IRS [email protected] or contact them at www.ftc.gov/idtheft or
Identity Theft Hotline at 1-800-908-4490 or submit Form 14039. 1-877-IDTHEFT (1-877-438-4338).
For more information, see Publication 4535, Identit y Theft Visit IRS.gov to learn more about identity theft and how to reduce
Prevention and Victim Assistance. your risk.
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 channel s, may be eligible for
Taxpayer Advocate Service (TAS) assistance. You can reach TAS by
calling the TA S t oll-free case intake line at 1-877-777-4778 or
TTY/TDD 1-800-829-4059.
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.
Form W-9 (Rev. 12-2011) Cat. No. 10231X

HUD/VA Addendum to Uniform Residential Loan Application OMB Approval No.VA: 2900-0144
HUD: 1234-1234 (exp. 02/28/20 XX)
Part I - Identifying Information (mark the type of application) 2. Agency Case No. (include any suffix) 3. Lender's Case No. 4. Section of the Act
1. VA Application for HUD/FHA Application for (for HUD cases)
Home Loan Guaranty Insurance under the
National Housing Act 000-5555555-000
5. Borrower's Name & Present Address (include zip code) 7. Loan Amount (include the UFMIP if for HUD or 8. Interest Rate 9. Proposed Maturity
Funding Fee if for VA)
8624 OAKLAWN AVENUE $ % 30 yrs. mos.

CALIFORNIA 95355 10. Discount Amount
(only if borrow er is
11. Amount of Up 12a. Amount of Monthly 12b. Term of Monthly
Front Premium Premium Premium
6. Property Address (including name of subdivision, lot & block no. & zip code) permitted to pay)
8624 OAKLAWN AVENUE, $ $ /mo. 63 months
CALIFORNIA 95355 13. Lender's I.D. Code 14. Sponsor/Agent I.D. Code
2294400215 2294400215
15. Lender's Name & Address (include zip code) 16. Name & Address of Sponsor/Agent
1000 MAIN STREET

1000 MAIN STREET LOS ANGELES, CALIFORNIA 91301
LOS ANGELES, CALIFORNIA 91301 17. Lender's Telephone Number
Type or Print all entries clearly 555 555-5555

VA: The veteran and the lender hereby apply to the Secretary of Veterans Affairs for Guaranty of the loan described here under Section 3710, Chapter 37, Title 38,
United States Code, to the full extent permitted by the veteran' s entitlement and severally agree that the Regulations promulgated pursuant to Chapter 37, and in
effect on the date of the loan shall govern the rights, duties, and liabilities of the parties.
18. First Time 19. VA Only 20. Purpose of Loan (blocks 9-12 are for VA loans only)
Homebuyer? Title will be Vested in: 1) Purchase Existing Home Previously Occupied 7) Construct Home (proceeds to be paid out during construction)
a. Yes Veteran 2) Finance Improvements to Existing Property 8) Finance Co-op Purchase
b. No Veteran & Spouse 3) Refinance (Refi.) 9) Purchase Permanently Sited Manufactured Home
Other (specify) 4) Purchase New Condo. Unit 10) Purchase Permanently Sited Manufactured Home & Lot
5) Purchase Existing Condo. Unit 11) Refi. Permanently Sited Manufactured Home to Buy Lot
6) Purchase Existing Home Not Previously Occupied 12) Refi. Permanently Sited Manufactured Home/Lot Loan
Part II - Lender's Certification

21. The undersigned lender makes the following certifications to ind uce the E. The Uniform Residential Loan Application and this Addendum were signed
Department of Veterans Affairs to issue a certificate of commitment to guarantee by the borrower after all sections were completed.
the subject loan or a Loan Guaranty Certificate under Title 38, U.S. Code, or to F. This proposed loan to the named borrow er meets the income and credit
induce the Department of Housin g and Urban Development - Federal Housing requirements of the governing law in the judgment of the undersigned.
Commissioner to issue a firm commitment for mortgage insurance or a Mortgage G. To the best of my knowledge and belief, I and my firm and its principals:
Insurance Certificate under the National Housing Act. (1) are not presently debarred, suspended, proposed for debarment,
A. The loan terms furnished in the Uniform Residential Loan Application and declared ineligible, or voluntarily excluded from covered transactions by any
this Addendum are true, accurate and complete. Federal department or agency; (2) have not, within a three-year perio d
B. The information contained in the Uniform Residential Loan Application and preceding this proposal, been convicted of or had a civil judgment rendered
this Addendum was obtained directly from the borrower by a employee of against them for (a) commission of fraud or a criminal offense in connection
the undersigned lender or its duly authorized agent and is true to the best with obtaining, attempting to obtain, or performing a public (Federal, State
of the lender's knowledge and belief. or local) transaction or contract under a public transaction; (b) violation of
C. The credit report submitted on the subject borrower (and co-borrower, if Federal or State antitrust statutes or commission of embezzlement, theft,
any) was ordered by the undersigned lender or its duly authorized agent forgery, bribery, falsification or dest ruction of records, making false
directly from the credit bureau which prepared the report and was received statements, or receiving stolen property; (3) are not presently indicted for
directly from said credit bureau. or otherwise criminally or civilly charged by a governmental entity (Federal,
D. The verification of employment and verification of deposits were requested State or local) with co mmission of any of the offenses enumerated in
and received by the lender or its duly authorized agent without passing paragraph G(2) of this certification; and (4) have not, within a three-year
through the hands of any third persons and are true to the best of the period preceding this application/proposal, had one or more public
lender's knowledge and belief. transactions (Federal, State or local) terminated for cause or default.
Items "H" through "J" are to be completed as applicable for VA loans only.
H. The names and functions of any duly authorized agents w ho developed on behalf of t he lender any of the information or supporting credit data submitted are as follow s:
Name & Address Function (e.g., obtained information on the Uniform Residential Loan Application,
ordered credit report, verifications of employment, deposits, etc.)
If no agent is shown above, the undersigned lender affirmatively certifies that all information and supporting credit data were obtained directly by the lender.
I. The undersigned lender understands and agrees that it is responsible for the omissions, errors, or acts of agents identified in item H as to the functions with which
they are identified.
J. The proposed loan conforms otherwise with the applicable provisions of Title 38, U.S. Code, and of the regulations concerning guaranty or insurance of loans
to veterans.
Signature of Officer of Lender Title of Officer of Lender Date (mm/dd/yyyy)
Initial:
form HUD-92900-A (09/2010)

VA Form 26-1802a Page 1 of 5
Part III - Notices to Borrowers. Public reporting burden for this collection of information is estimated to average 6 minutes per response, including the time for
reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information. This
agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless that collection displays a valid OMB control number
can be located on the OMB Internet page at http://www.whitehouse.gov/omb/library/OMBINV.LIST.OF.AGENCIES.html#LIST_OF_AGENCIES.
Privacy Act Information. The information requested on the Uniform Residential Loan Application and this Addendum is authorized by 38 U.S.C. 3710 (if for DVA) and
12 U.S.C. 1701 et seq. (if for HUD/FHA). The Debt Collection Act of 1982, Pub. Law 97-365, and HUD's Housing and Community Development Act of 1987, 42 U.S.C.
3543, require persons applying for a federally insured or guaranteed loan to furnish his/her social security number (SSN). You must provide all the requested
inf ormation, including your SSN. HUD and/or VA may conduct a computer match to verify the information you provide. HUD and/or VA may disclose certain
information to Federal, State and local agencies when relevant to civil, criminal, or regulatory investigations and prosecutions. It will not otherwise be disclosed or
released outside of HUD or VA, except as required and permitted by law. The information will be used to determine whether you qualify as a mortgagor. Any disclosure
of information outside VA or HUD/FHA will be made only as permitted by law. Failure to provi de any of t he requested information, including SSN, may result in
disapproval of your loan application. This is notice to you as required by the Right to Financial Privacy Act of 1978 that VA or HUD/FHA has a right of access to
financial records held by financial institutions in connection with the consideration or administration of assistance to you. Financial records involving your transaction
will be available to VA and HUD/FHA without further notice or authorization but will not be disclosed or released by this institution to another Government Agency
or Department without your consent except as required or permitted by law.
Caution. Delinquencies, defaults, foreclosures and abuses of mortgage loans involving programs of the Federal Government can be costly and detrimental to your credit,
now and in the future. The lender in this transaction, its agents and assigns as well as the Federal Government, its agencies, agents and assigns, are authorized to
take any and all of the following actions in the event loan payments become delinquent on the mortgage loan described in the attached application: (1) Report your
name and account information to a credit bureau; (2) Assess additional interest and penalty charges for the period of time that payment is not made; (3) Assess charges
to cover additional administrative costs incurred by the Government to service your account; (4) Offset amounts owed to you under other Federal programs; (5) Refer
your account to a private attorney, collection agency or mortgage servicing agency to collect the amount due, foreclose the mortgage, sell the property and seek judgment against
you for any deficiency; (6) Refer your account to the Department of Justice for litigation in the courts; (7) If you are a current or retired Federal employee, take action to offset your
salary, or civil service retirement benefits; (8) Refer your debt to the Internal Revenue Service for offset against any amount ow ed to you as an income tax refund; and (9) Report
any resulting w ritten-off debt of yours to the Internal Revenue Service as your taxable income. All of these actions can and w ill be used to recover any debts ow ed w hen it is
determined to be in the interest of the lender and/or the Federal Government to do so.
Part IV - Borrower Consent for Social Security Administration to Verify Social Security Number
I authorize the Social Security Administration to verify my Social Security number to the Lender identified in this document and HUD/FHA, through a computer match
conducted by HUD/FHA.
I understand that my consent allows no additional information from my Social Security records to be provided to the Lender, and HUD/FHA and that verification of
my Social Security number does not constitute confirmation of my identity. I also understand that my Social Security number may not be used for any other purpose
than the one stated above, including resale or redisclosure to other parties. The only other redisclosure permitted by this authorization is for review purposes to ensure
that HUD/FHA complies with SSA's consent requirements.
I am the individual to whom the Social Security number was issued or that person's legal guardian. I declare and affirm under the penalty of perjury that the information
contained herein is true and correct. I know that if I make any representation that I know is false to obtain information from Social Security records, I could be punished
by a fine or imprisonment or both.
This consent is valid for 180 days from the date signed, unless indicated otherwise by the individual(s) named in this loan application.
Read consent carefully. Review accuracy of social security number(s) and birth dates provided on this application.
Signature(s) of Borrower(s) Date Signed Signature(s) of Co-Borrower(s) Date signed
Part V - Borrower Certification

22. Complete the following for a HUD/FHA Mortgage. Is it to be sold? 22b. Sales Price 22c. Original Mortgage Amt.
22a. Do you ow n or have you sold other real estate w ithin the past 60 months on
w hich there w as a HUD/FHA mortgage? Yes No X Yes X No $ $
22d. Address
22e. If the dw elling to be covered by this mortgage is to be rented, is it a part of, adjacent or contiguous to any project subdivision or group of concentrated rental properties
involving eight or more dw elling units in w hich you have any financial interest? Yes X No If " Yes" give details.
22f. Do you own more than four dwellings? Yes X No If "Yes" submit form HUD-92561.
23. Complete for VA-Guaranteed Mortgage. Have you ever had a VA home Loan? Yes No
24. Applicable for Both VA & HUD. As a home loan borrower, you will be legally obligated to make the mortgage payments called for by your mortgage loan contract.
The fact that you dispose of your property after the loan has been made will not relieve you of liability for making these payments. Payment of the loan in full
is ordinarily the way liability on a mortgage note is ended. Some home buyers have the mistaken impression that if they sell their homes when they move to
another locality, or dispose of it for any other reasons, they are no longer liable for the mortgage payments and that liability for these payments is solely that
of the new owners. Even though the new owners may agree in writing to assume liability for your mortgage payments, this assumption agreement will not relieve
you from liability to the holder of the note which you signed when you obtained the loan to buy the property. Unless you are able to sell the property to a buyer
who is acceptable to VA or to HUD/FHA and who will assume the payment of your obligation to the lender, you will not be relieved from liability to repay any
claim which VA or HUD/FHA may be required to pay your lender on account of default in your loan payments. The amount of any such claim payment will be
a debt owed by you to the Federal Government. This debt will be the object of established collection procedures.
25. I, the Undersigned Borrower(s) Certify that: (1) I have read and understand the foregoing concerning my liability on the loan
form HUD-92900-A (09/2010)

and Part III Notices to Borrowers.
(2) Occupancy: (for VA only -- mark the applicable box) (b) I w as not aw are of this valuation w hen I signed my contract but have elected
x (a) I now actually occupy the above-described property as my home or
int end to move into and occupy said property as my home within a
to complete the transaction at the contract purchase price or cost. I have paid or
w ill pay in cash from my ow n resources at or prior to loan closing a sum equal to
reasonable period of time or int end t o reoccupy it after the completion of the difference betw een contract purchase price or cost and the VA or HUD/FHA
major alterations, repairs or improvements. established value. I do not and w ill not have outstanding after loan closing any
(b) My spouse is on active military duty and in his or her absence, I occupy or unpaid contractual obligation on account of such cash payment.
intend to occupy the property securing this loan as my home. (4) Neither I, nor anyone authorized to act for me, will refuse to sell or rent,
(c) I previously occupied the property securing this loan as my home. (for after the making of a bona fide offer, or refuse to negotiate for the sale or
interest rate reductions) rental of, or otherwise make unavailable or deny the dwelling or property
(d) While my spouse was on active military duty and unable to occupy the covered by his/her loan to any person because of race, color, religion, sex,
property securing this loan, I previously occu pied the property that is handicap, familial status or national origin. I recognize that any restrictive
securing this loan as my home. (for interest rate reduction loans) cove nant on this property relating to race, color, religion, sex, handicap,
Note: If box 2b or 2d is checked, the veteran' s spouse must also sign below . familial status or national origin is illega l and void and civil action for
(3) Mark t he applicable box (not applicable for Home Improvement or preventi ve relief may be brought by the Attorney General of the United
Refinancing Loan) I have been informed that ($ N/A ) is: States in any appropriate U.S. District Court against any person responsible
the reasonable value of the property as determined by VA or; for the violation of the applicable law.
the statement of appraised value as determined by HUD/FHA. (5) All information in this application is given for the purpose of obtaining a loan
Note: If the contract price or cost exceeds the VA "Reasonable Value" or to be insured under the National Housing Act or guarante ed by the
HUD/FHA "Statement of Appraised Value", mark either item (a) or item (b), Department of Veterans Affairs and the information in the Uniform
whichever is applicable. Residential Loan Application and this Addendum is true and complete to the
(a) I w as aw are of t his valuation w hen I signed my contract and I have paid or best of my knowledge and belief. Verifica t ion may be obtained from any
w ill pay in cash f rom my ow n resources at or prior t o loan closing a sum equal source named herein.
to the difference betw een the contract purchase price or cost and the VA or (6) For HUD Only (for properties constructed prior to 1978) I have received
HUD/FHA established value. I do not and w ill not have outstanding after loan information on lead paint poisoning.
closing any unpaid contractual obligation on account of such cash payment; Yes X Not Applicable
(7) I am aware that neither HUD/FHA nor VA warrants the condition or value of
the property.
Signature(s) of Borrower(s) -- Do not sign unless this application is fully completed. Read the certifications carefully & review accuracy of this application.
Signature(s) of Borrower(s) Date Signed Signature(s) of Co-Borrower(s) Date Signed
(Borrowers Must Sign Both Parts IV & V) Federal statutes provide severe penalties for any fraud, intentional misrepresentation, or criminal connivance or conspiracy
purposed to influence the issuance of any guaranty or insurance by the VA Secretary or the HUD/FHA Commissioner.
form HUD-92900-A (09/2010)

Direct Endorsement Approval for a HUD/FHA-Insured Mortgage U.S. Department of Housing
and Urban Development
Part I - Identifying Information (mark the type of application) 2. Agency Case No. (include any suffix) 3. Lender's Case No. 4. Section of the Act
1. HUD/FHA Application for Insurance (for HUD cases)
under the National Housing Act
5. Borrower's Name & Present Address (include zip code) 7. Loan Amount (include the UFMIP) 8. Interest Rate 9. Proposed Maturity
$ % yrs. mos.
10. Discount 11. Amount of 12a. Amount of 12b. Term of
Amount Up Front Monthly Monthly
6. Property Address ( including name of subdivision, lot & block no. & zip code) (only if borrower Premium Premium Premium
is permitted to pay)
$
$ /mo. 63 months
13. Lender's I.D. Code 14. Sponsor/Agent I.D. Code
15. Lender's Name & Address (include zip code) 16. Name & Address of Sponsor/Agent
17. Lender's Telephone Number
Type or Print all entries clearly 555 555-5555

Sponsored Name of Loan Origination Company Tax ID of Loan Origination Company NMLS ID of Loan Origination Company
Originations
123456
Approved: Approved subject to the additional conditions stated below, if any.
Date Mortgage Approved Date Approval Expires
Modified & Loan Amount (include UFMIP) Interest Rate Proposed Maturity Monthly Payment Amount of Amount of Monthly Term of Monthly
Approved Up Front Premium Premium Premium
as follows: $ % Yrs. Mos $ $ $ months
Additional Conditions:
If this is proposed construction, the builder has certified compliance with HUD requirements on form HUD-92541.
If this is new construction, the lender certifies that the property is 100% complete (both on site and off site improvements) and the property
meets HUD's minimum property standards and local building codes.
Form HUD-92544, Builder's Warranty is required.
The property has a 10-year warranty.
Owner-Occupancy Not required (item (b) of the Borrower's Certificate does not apply).
The mortgage is a high loan-to-value ratio for non-occupant mortgagor in military.
Other: (specify)
This mortgage was rated as an "accept" or "approve" by FHA's Total Mortgage Scorecard. As such, the undersigned representative of the
mortgagee certifies to the integrity of the data supplied by the lender used to determine the quality of the loan, that a Direct Endorsement
Underwriter reviewed the appraisal (if applicable) and further certifies that this mortgage is eligible for HUD mortgage insurance under the Direct
Endorsement program. I hereby make all certifications required for this mortgage as set forth in HUD Handbook 4000.4.
Mortgagee Representative
This mortgage was rated as a "refer" by FHA's Total Mortgage Scorecard, and/or was manually underw rit t en by a Direct Endorsement
underwriter. As such, the undersigned Direct Endorsement underw riter certifies that I have personally reviewed the appraisal report (if
applicable), credit application, and all associated doc uments and have used due diligence in underwriting this mortgage. I find that this
mortgage is eligible for HUD mortgage insurance under the Direct Endorsement program and I hereby make all certifications required for this
mortgage as set forth in HUD Handbook 4000.4.
Direct Endorsement Underwriter DE's CHUMS ID Number
The Mortgagee, its owners, officers, employees or directors do do not have a financial interest in or a relationship, by affiliation or ownership,
with the builder or seller involved in this transaction.
Initial:
form HUD-92900-A (09/2010)
Borrower's Certificate:
The undersigned certifies that:
(a) I will not have outstanding any other unpaid obligations contracted in connection with the mortgage transaction or the purchase of the said
property except obligations w hich are secured by property or collateral owned by me independently of the said mortgaged property, or
obligations approved by the Commissioner;
(b) One of the undersigned intends to occupy the subject propert y, (note: this item does not apply if owner-occupancy is not required by the
commitment);
(c) All charges and fees collected from me as shown in the settlement statement have been paid by my own funds, and no other charges have
been or will be paid by me in respect to this transaction;
(d) Neither I, nor anyone authorized to act for me, will refuse to sell or rent, after the making of a bona fide offer, or refuse to negotiate for the
sale or rental of or otherwise make unavailable or deny the dwelling or property covered by this loan to any person because of race, color,
religion, sex, handicap, familial status or national origin. I recogniz e t hat any restrictive covenant on this property relating to race, color,
religion, sex, handicap, familial status or national origin is illegal and void and any such covenant is hereby specifically disclaimed. I understand
that civil action for preventative relief may be brought by the Attorney General of the United States in any appropriate U.S. District Court against
any person responsible for a violation of this certificate.
Borrower(s) Signature(s) & Date
Lender's Certificate:
The undersigned certifies that to the best of its knowledge:
(a) The statements made in its application for insurance and in this Certificate are true and correct;
(b) The conditions listed above or appearing in any outstanding commitment issued under the above case number have been fulfilled;
(c) Complete disbursement of the loan has been made to the borrower, or to his/her creditors for his/her account and with his/her consent;
(d) The security instrument has been recorded and is a good and valid first lien on the property described;
(e) No charge has been made to or paid by the borrower except as permitted under HUD regulations;
(f) The copies of the credit and security instruments which are submitted herewith are true and exact copies as executed and filed for record;
(g) It has not paid any kickbacks, fee or consideration of any type, directly or indirectly, to any party in connection with this transaction except
as permitted under HUD regulations and administrative instructions.
I, the undersigned, as authorized representative of TRISTAR FINANCE GROUP, INC. mortgagee at this time of closing of ,
this mortgage loan, certify that I have personally reviewed the mortgage loan documents, closing statements, application for insurance
endorsement, and all accompanying documents. I hereby make all certifications required for this mortgage as set forth in HUD Handbook
4000.4.
Lender's Name TRISTAR FINANCE GROUP, INC Note: If the approval is execut ed by an agent in the name of
lender, the agent must enter th e lender's code number and
type.
Title of Lender's Officer
Signature of Lender's Officer Date Code Number (5 digits) Type
form HUD-92900-A (09/2010)

IMPOUND AUTHORIZATION
AND FIRST PAYMENT NOTIFICATION
Loan Number: 1234567890 Date: MARCH 13, 20XX
Lender: TRISTAR FINANCE GROUP, INC
Property Address: 8624 OAKLAWN AVENUE, MODESTO, CALIFORNIA 95355
Loan Amount: $205,631.00
We are fully aware of our obligation to the above lender as evidenced by a Note, secured by a Security Instrument on real
property commonly known by the above address, and executed on the above date.
We understand that:
CHECK BOX IF APPLICABLE
X Regulations require the lender to establish an impound account for taxes, insurance premiums, assessments,
or other items relating to the property.
X The lender requires, as a condition of the loan being made to us, an impound account for taxes, insurance
premiums, assessments, or other items relating to the property.
An impound account is not required by the lender as a condition of the loan being made to us. We want the
lender to establish an impound account for taxes, insurance premiums, assessments, or other items relating
to the property.
An impound account is not required by the lender. We do not want the lender to establish an impound
account. We agree to make timely payments to the appropriate agents when bills for taxes, insurance
premiums, assessments, or other items relating to the property become due.
We authorize the lender to collect monthly impounds, if applicable, in the manner detailed below to pay for taxes, insurance
premiums, assessments, or other items relating to the property on our behalf. We understand that funds so impounded are
subject to all provisions of the Note and Security Instrument securing this loan. Our failure to pay these monthly impounds
constitutes a default under the obligation to the lender as evidenced by said Note and Security Instrument. We understand this
authorization is being executed under the provisions of the Laws within the State of CALIFORNIA , as
amended.
We are fully aware that the First Monthly Payment on the Note is due and payable on MAY 1, 2013
and must be paid within the grace period as set forth in the note to avoid a late charge.
We understand the monthly payment consists of the following:

PRINCIPAL AND INTEREST 894.92
MORTGAGE INSURANCE 200.25
HAZARD INSURANCE 48.33
COUNTY PROPERTY TAX 196.65
TOTAL PAYMENT 1,340.15

The amount of each monthly impound to be collected is determined by the lender. The amounts are subject to adjustment from
time to time. We agree to pay these modified impounded amounts along with each monthly payment of principal and interest.
RICHARD WILLIAM ROGERS Date Date
Date Date
Date Date
IMPOUND AUTHORIZATION AND FIRST PAYMENT NOTIFICATION

05/03/06
TRISTAR FINANCE GROUP, INC
1000 MAIN STREET
LOS ANGELES, CALIFORNIA 91301 Loan Number: 1234567890
SERVICING DISCLOSURE STATEMENT
NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS
:
THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED
Date: MARCH 13, 20XX
You are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C.
2601 et seq.). RESPA gives you certain rights under Federal law. This statement describes whether the servicing
for this loan may be transferred to a different loan servicer. "Servicing" refers to collecting your principal, interest,
and escrow payments, if any, as well as sending any monthly or annual statements, tracking account balances, and
handling other aspects of your loan. You will be given advance notice before a transfer occurs.
Check the appropriate box under "Servicing Transfer Information."
SERVICING TRANSFER INFORMATION
We may assign, sell, or transfer the servicing of your loan while the loan is outstanding.
or
X We do not service mortgage loans of the type for which you applied. We intend to assign, sell, or transfer
the servicing of your mortgage loan before the first payment is due.
or
The loan for which you have applied will be serviced at this financial institution and we do not intend to sell,
transfer, or assign the servicing of the loan.
SERVICING DISCLOSURE STATEMENT

12 U.S.C. 2605; 12 CFR 1024.21(b); Model Form MS-1
LSDS.MSC 12/30/11
NOTICE OF ASSIGNMENT, SALE OR
TRANSFER OF SERVICING RIGHTS
You are hereby notified that the servicing of your mortgage loan, that is, the right to collect payments from you, is
being assigned, sold or transferred from TRISTAR FINANANCE GROUP.
to JPMORGAN CHASE BANK, N.A., P.O. BOX 8000, MONROE, LA 71211 ,
effective .APRIL 1, 20XX
The assignment, sale or transfer of the servicing of the mortgage loan does not affect any term or condition of the
mortgage instruments, other than terms directly related to the servicing of your loan.
Except in limited circumstances, the law requires that your present servicer send you this notice at least 15 days before
the effective date of transfer, or at closing. Your new servicer must also send you this notice no later than 15 days after this
effective date or at closing. In this case, all necessary information is combined in this one notice.
Your present servicer is TRISTAR FINANCE GROUP .

If you have any questions relating to the transfer of servicing from your present servicer call (555)555-5555
between 8:30 a.m. and 5:00p.m. on the following days: MONDAY - FRIDAY .
This is a toll-free or X collect call number.
Your new servicer will be JPMORGAN CHASE BANK, N.A. C/O CHASE HOME .
FINANCE, LLC
The business address for your new servicer is: P.O. BOX 79046, PHOENIX, ARIZONA
85062-9046 .
The X toll-free or collect call telephone number of your new servicer is (800)888-8888 .
If you have any questions relating to the transfer of servicing to your new servicer call CUSTOMER RESEARCH
at (800)848-0000 between 7:00 a.m.
and 7:00 p.m. on the following days: MONDAY - FRIDAY .
The date that your present servicer will stop accepting payments from you is APRIL 1, 2010 .
The date that your new servicer will start accepting payments from you is APRIL 1, 2010 .
Send all payments due on or after that date to your new servicer.
You should also be aware of the following information, which is set out in more detail in Section 6 of the Real Estate
Settlement Procedures Act (RESPA) (12 U.S.C. 2605):
During the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by your
old servicer before its due date may not be treated by the new loan servicer as late, and a late fee may not be imposed on you.
Section 6 of RESPA (12 U.S.C. 2605) gives you certain consumer rights. If you send a "qualified written request"
to your loan servicer concerning the servicing of your loan, your servicer must provide you with a written acknowledgment
within 20 Business Days of receipt of your request. A "qualified written request" is a written correspondence, other than notice
on a payment coupon or other payment medium supplied by the servicer, which includes your name and account number, and
your reasons for the request. If you want to send a "qualified written request" regarding the servicing of your loan, it must
be sent to this address:
JPMORGAN CHASE BANK, N.A. C/O CHASE HOME FINANCE, LLC
P.O. BOX 77777, PHOENIX, ARIZONA 85060
Not later than 60 Business Days after receiving your request, your servicer must make any appropriate corrections
to your account, and must provide you with a written clarification regarding any dispute. During this 60-Business Day period,
your servicer may not provide information to a consumer reporting agency concerning any overdue payment related to such
period or qualified written request. However, this does not prevent the servicer from initiating foreclosure if proper grounds
exist under the mortgage documents.
A Business Day is a day on which the offices of the business entity are open to the public for carrying on substantially
all of its business functions.
Section 6 of RESPA also provides for damages and costs for individuals or classes of individuals in circumstances
where servicers are shown to have violated the requirements of that Section. You should seek legal advice if you believe your
rights have been violated.
BORROWER ACKNOWLEDGMENT
I/We have read this disclosure form, and understand its contents, as evidenced by my/our loan signature(s) below.

PAYOFF SCHEDULE
Loan No.: 1234567890
The following accounts must be paid off through escrow as a condition of the attached loan approval:
PAYOFF to QUICKEN LOANS 203,929.00
TOTAL: 203,929.00
_____________________
PAYOFF SCHEDULE
PSL.MSC 05/18/12
30 years
Refinance
3/13/20XX Fixed Rate
Richard Williams Rogers X
8624 Oaklawn Ave.
Modesto, CA 95355 X 4/16/20XX at 5:00 pm. EDT
8624 Oaklawn Ave., Modesto, CA 95355 Before closing, your interest rate, points, and lender credits can
$280,000 change unless you lock the interest rate. All other estimated
closing costs expire on 3/4/20XX at 5:00 p.m. EDT
$205,631.00 NO
3.25% NO
$894.92 NO
NO
NO
Years 1–4 Years 5–30
$894.92 $894.92
+ 82 + —
$445.23 $445.23
$1,340.15 $1,340.15
X YES
$445.23 X YES
a month
$2,555.92
X
2
Tristar Finance Group
NMLS/__LICENSE ID
Joe Smith
12345
[email protected]
310-321-4567
$51,932
$13,788
3.94%
67.28%
4
Sample Document for National Notary Association Notary Signing Agent Certification Course
OMB Approval No. 2502-0265
Good Faith Estimate (GFE)
Name of Originator Tristar Financial Corp Borrower Richard William Rogers

Originator Property
Address
1000 Main Street Address 8624 Oaklawn Avenue,
Los Angeles, CA 91301 Modesto, CA 95355
Originator Phone Number (310) 321-4567
Originator Email [email protected] Date of GFE 1/20/20XX
Purpose This GFE gives you an estimate of your settlement charges and loan terms if you are approved for
this loan. For more information, see HUD’s Special Information Booklet on settlement charges, your
Truth-in-Lending Disclosures, and other consumer information at www.hud.gov/respa. If you decide
you would like to proceed with this loan, contact us.
Shopping for Only you can shop for the best loan for you. Compare this GFE with other loan offers, so you can find
your loan the best loan. Use the shopping chart on page 3 to compare all the offers you receive.
Important dates 1. The interest rate for this GFE is available through 1/20/2010 1:23 pm . After this time, the
interest rate, some of your loan Origination Charges, and the monthly payment shown below can
change until you lock your interest rate.
2. This estimate for all other settlement charges is available through 2/1/2010 .
3. After you lock your interest rate, you must go to settlement within days (your rate lock period)
to receive the locked interest rate.
4. You must lock the interest rate at least days before settlement.
Summary of Your initial loan amount is $ 205,631.00

your loan Your loan term is 30 years
Your initial monthly amount owed for principal,
interest, and any mortgage insurance is $ 894.92 per month
Can your interest rate rise? No Yes, it can rise to a maximum of %.
The first change will be in .
Even if you make payments on time, can your No Yes, it can rise to a maximum of $
loan balance rise?
Even if you make payments on time, can your No Yes, the first increase can be in
monthly amount owed for principal, interest, and the monthly amount owed can
and any mortgage insurance rise? rise to $ . The maximum it
can ever rise to is $ .
Does your loan have a prepayment penalty? No Yes, your maximum prepayment
penalty is $ .
Does your loan have a balloon payment? No Yes, you have a balloon payment of
$ due in years.
Escrow account Some lenders require an escrow account to hold funds for paying property taxes or other property-
information related charges in addition to your monthly amount owed of $ 894.92 .
Do we require you to have an escrow account for your loan?
No, you do not have an escrow account. You must pay these charges directly when due.
Yes, you have an escrow account. It may or may not cover all of these charges. Ask us.
A Your Adjusted Origination Charges (See page 2.)

Summary of your $ 3,310.00
settlement charges
B Your Charges for All Other Settlement Services (See page 2.) $ 7,086.33
A + B Total Estimated Settlement Charges $ 10,396.33
Good Faith Estimate (HUD-GFE) 1

Understanding Your Adjusted Origination Charges
your estimated 1. Our origination charge
settlement charges This charge is for getting this loan for you. $0.00
2. Your credit or charge (points) for the specific interest rate chosen
The credit or charge for the interest rate of % is included in
“Our origination charge.” (See item 1 above.)
You receive a credit of $ for this interest rate of %. $5936.08
This credit reduces your settlement charges.
You pay a charge of $ for this interest rate of %.
This charge (points) increases your total settlement charges.
The tradeoff table on page 3 shows that you can change your total
settlement charges by choosing a different interest rate for this loan.
A Your Adjusted Origination Charges $ 5936.08
Your Charges for All Other Settlement Services

Some of these charges 3. Required services that we select
can change at settlement. These charges are for services we require to complete your settlement. $1078.16
See the top of page 3 for We will choose the providers of these services.
more information. Service Charge
Re-Appraisal Fee $375.00
Appraisal and Appraisal Review Fee $415.00
HOA Cert $90.00
4. Title services and lender’s title insurance
This charge includes the services of a title or settlement agent, for $3536.00
example, and title insurance to protect the lender, if required.
5. Owner’s title insurance

You may purchase an owner’s title insurance policy to protect your interest $0.00
in the property.
6. Required services that you can shop for

These charges are for other services that are required to complete your
settlement. We can identify providers of these services or you can shop
for them yourself. Our estimates for providing these services are below. $0.00
Service Charge
Association Transfer Fee
7. Government recording charges

These charges are for state and local fees to record your loan and $110.00
title documents.
8. Transfer taxes
These charges are for state and local fees on mortgages and home sales. $1,179.90
9. Initial deposit for your escrow account

This charge is held in an escrow account to pay future recurring charges
on your property and includes all property taxes, all insurance, $2,011.50
and other HO6 Insurance .
10. Daily interest charges

This charge is for the daily interest on your loan from the day of your
settlement until the first day of the next month or the first day of your $256.33
normal mortgage payment cycle. This amount is $ 28.36 per day
for 11 days (if your settlement is 2/12/2010 ).
11. Homeowner’s insurance

This charge is for the insurance you must buy for the property to protect
from a loss, such as fire.
Policy Charge $241.65
HO6 Insurance
B Your Charges for All Other Settlement Services $ 8,838.54
A + B Total Estimated Settlement Charges $ $9227.12

Instructions
Understanding This GFE estimates your settlement charges. At your settlement, you will receive a HUD-1, a form that lists your
actual costs. Compare the charges on the HUD-1 with the charges on this GFE. Charges can change if you select your
which charges own provider and do not use the companies we identify. (See below for details.)
can change at
These charges The total of these charges These charges
settlement cannot increase can increase up to 10% can change
at settlement: at settlement: at settlement:
Our origination charge Required services that we select Required services that you can shop
for (if you do not use companies we
Your credit or charge (points) for the Title services and lender’s title identify)
specific interest rate chosen (after insurance (if we select them or
you lock in your interest rate) you use companies we identify) Title services and lender’s title
insurance (if you do not use
Your adjusted origination charges Owner’s title insurance (if you use companies we identify)
(after you lock in your interest rate) companies we identify)
Owner’s title insurance (if you do not
Transfer taxes Required services that you can use companies we identify)
shop for (if you use companies we
identify) Initial deposit for your escrow
account
Government recording charges
Daily interest charges
Homeowner’s insurance
Using the In this GFE, we offered you this loan with a particular interest rate and estimated settlement charges. However:
tradeoff table If you want to choose this same loan with lower settlement charges, then you will have a higher interest rate.
If you want to choose this same loan with a lower interest rate, then you will have higher settlement charges.
If you would like to choose an available option, you must ask us for a new GFE.
Loan originators have the option to complete this table. Please ask for additional information if the table is not completed.
The same loan with The same loan with a
The loan in this GFE
lower settlement charges lower interest rate
Your initial loan amount $ 205,631.00 $ 205,631.00 $ 205,631.00

Your initial interest rate 1
3.25 % % %
Your initial monthly amount owed $ 814.00 $ $
Change in the monthly amount owed from No change You will pay $ You will pay $
this GFE more every month less every month
Change in the amount you will pay at No change Your settlement charges Your settlement
settlement with this interest rate will be reduced by charges will increase by
$ $
How much your total estimated settlement $ 10,396.33

$ $
charges will be 10,396.33
1
For an adjustable rate loan, the comparisons above are for the initial interest rate before adjustments are made.
Using the Use this chart to compare GFEs from different loan originators. Fill in the information by using a different column
for each GFE you receive. By comparing loan offers, you can shop for the best loan.
shopping chart
This loan Loan 2 Loan 3 Loan 4
Loan originator name
Initial loan amount $205,631.00
Loan term 30 years
Initial interest rate 3.250%
Initial monthly amount owed $894.92
Rate lock period
Can interest rate rise? No
Can loan balance rise? No
Can monthly amount owed rise? No
Prepayment penalty? No
Balloon payment? No
Total Estimated Settlement Charges $9227.12
If your loan is Some lenders may sell your loan after settlement. Any fees lenders receive in the future cannot change the loan
sold in the future you receive or the charges you paid at settlement.

FROM: TRISTAR FINANCE GROUP, INC Document Date: MARCH 13, 20XX
1000 MAIN STREET Closing Date: MARCH 13, 20XX
Disbursement: MARCH 18, 20XX
Phone:(555)555-5555
TO: STALLWART TITLE OF MODESTO Case No.: 000-5555555-000
5555 CASANDRA BLVD., SUITE 2 Loan No.: 1234567890
App. No.:
(222)222-2222
ATTN: Order No.: LP-55555555-ST
RE: Borrower(s): RICHARD WILLIAM ROGERS Escrow No.: LP-55555555-ST
Property Address: 8624 OAKLAWN AVENUE

GENERAL CLOSING INSTRUCTIONS

Do not close or fund this loan unless ALL conditions in these closing instructions and any supplemental closing instructions
have been satisfied. The total consideration in this transaction except for our loan proceeds and approved secondary financing
must pass to you in the form of cash. Do not close or fund this loan if you have knowledge of a concurrent or subsequent
transaction which would transfer the subject property.
You must follow these instructions exactly. These closing instructions can only be modified with our advance written approval.
You shall be deemed to have accepted and to be bound by these closing instructions if you fail to notify us in writing to the
contrary within 48 hours of your receipt hereof or if you disburse any funds to or for the account of the Borrower(s).
All documents with the exception of those to be recorded (Security Instrument, Riders, Corporation Assignment(s), Grant
Deed, Quit Claim, Power of Attorney, etc.) must be returned to our office within 48 HOURS of the signing. Please
return certified copies of those documents that are to be recorded. Failure to comply with these instructions may delay funding.
EXECUTION OF DOCUMENTS:
1. Each Borrower must sign all documents exactly as his or her name appears on the blank line provided for his or her
signature. All signatures must be witnessed if required or customary. All signature acknowledgements must be executed
by a person authorized to take acknowledgements in the state of closing.
2. Any correction to loan documents must be approved in writing by us in advance. No white-out permitted. Approved
deletion should be made by marking a single line through the language being deleted. All additions and deletions must
be initialed by all borrowers.
3. All Powers of Attorney must be provided to and approved by us in advance. If approved, the Power of Attorney must
be recorded in the same county(ies) in which the Security Instrument is recorded, a certified copy provided to us.
RESCISSION:
1. If the transaction is subject to rescission, provide each Borrower and each person having any ownership interest in the
security property with two (2) copies of the completed Notice of Right to Cancel. The Notice of Right to Cancel must
be properly completed (including all dates) and each borrower and person given two notices must execute an
acknowledgement of receipt. Your failure to properly complete and provide the Notices of Right to Cancel to each
person entitled to receive them will delay this closing.
2. No Borrower or other person having an ownership interest in the Security Property may modify or waive his or her right
to rescind without our prior written consent.
3. If any Borrower or other person having an ownership interest in the security property indicates that he or she wishes
to cancel this transaction, contact us immediately for further instructions.
SURVEYS:
1. A valid survey dated within 90 days of closing is required in areas where surveys are customary.
2. The survey must contain all relevant and customary information and certifications and the legal description, lot size and
street must agree with the appraisal and closing documents.
HAZARD INSURANCE:
1. The Borrower(s) must provide satisfactory evidence of hazard insurance coverage and flood insurance coverage if the
Property is located in a special flood hazard area.
2. Dwelling coverage must be equal to the lesser of the loan amount or the full replacement value of the property
improvements, and must extend for either a term of at least one (1) year after the closing date for purchase transactions
or six (6) months after the closing date for refinance transactions.
3. Loss payee/mortgagee clause to read: TRISTAR FINANCE GROUP IT'S SUCCESSORS AND/OR ASSIGNS
1000 MAIN STREET
ACKNOWLEDGED AND AGREED:
Settlement Agent
GENERAL CLOSING INSTRUCTIONS

04/26/06
FROM: TRISTAR FINANCE GROUP, INC Document Date: MARCH 13, 20XX
1000 MAIN STREET
Closing Date: MARCH 13, 20XX
Phone: (555) 555-5555
Disbursement: MARCH 18, 20XX
TO: STALLWART TITLE OF MODESTO Case No.: 000-5555555-000
5555 CASANDRA BLVD., SUITE 2
MODESTO, CALIFORNIA 95822 Loan No.: 1234567890
Phone: (222) 222-2222
App. No.:
ATTN:
Order No.: LP-55555555-ST
RE: Borrower(s): RICHARD WILLIAM ROGERS Escrow No.: LP-55555555-ST

SPECIFIC CLOSING INSTRUCTIONS

LOAN DOCUMENTS:
We enclose the following documents necessary to complete the above referenced loan transaction:
(X) Note (X) Initial Escrow Acct. Disc. (X) Program Disclosure
(X) Deed of Trust Stmt. (X) Servicing Disclosure
(X) Settlement Statement Cert. (X) Rescission Notice Statement
(X) Itemization of amt fin. (X) Closing Inst. Addendum (X) Worksheets
(X) Payment Letter (X) Affidavit and Agrmnt. (X) Loan Application
(X) Hazard Ins. Req. (X) (X) Patriot Act
Deliver one (1) copy of all loan documents to the Borrower(s); deliver one (1) copy of the Federal Truth-In-Lending Disclosure
Statement to each Borrower.
LOAN TERMS: ARM Loan: ( ) Yes ( X ) No

Loan Amount: 205,631.00 Index:
Initial Advance: Margin:
Sales Price: Periodic Rate Cap:
Term (Months): 360 Lifetime Rate Cap:
Interest Rate: 3.250 Lifetime Rate Floor:
Initial Payment: 894.92 Interest Change Date:
First Payment Date: 05/01/XX Payment Change Date:
Last Payment Date: 04/01/43 Loan Purpose: REFINANCE
PAYOFF REQUIREMENTS:
It is a condition to the funding of this loan that the following payoffs be made through this closing. Indicate payoffs on the
HUD-1 Settlement Statement or provide other satisfactory evidence of payoff:
PAYOFF to QUICKEN LOANS $203,929.00
CONDITIONS TO BE SATISFIED PRIOR TO DISBURSEMENT OF LOAN PROCEEDS:

PTF - Funding VVOE within 5 days of funding for
all borrowers
PTF - 3-DAY RIGHT TO CANCEL
**SEE ATTACHED ADDENDUM TO CLOSING INSTRUCTIONS**
WE ARE TO BE AT NO EXPENSE IN THIS TRANSACTION
TITLE INSURANCE REQUIREMENTS:

You are authorized to use funds for the account of the Borrowers and to record all instruments when you comply with the
following:
1. THIS LOAN MUST RECORD IN 1ST LIEN POSITION ON OR PRIOR TO THE DISBURSEMENT DATE
NOTED ABOVE. PROVIDE DUPLICATE ORIGINALS OF THE ALTA TITLE POLICY.
2. Vesting to read: RICHARD WILLIAM ROGERS, AN UNMARRIED MAN
3. Title Policy must contain the following endorsements (or their equivalents): 100, 116, 8.1
4. ALTA Title Policy must be free from liens, encumbrances, easements, encroachments and other title matters except
(i) the lien of our loan in the amount of our loan on the property described herein showing the Instrument or
Document Number and the date of recording of the Security Instrument; (ii) general, specific, state, county, city,
school or other taxes and assessments not yet due or payable: (BOTH INSTALLMENT OF TAXES
TO BE PAID AT CLOSING) ;
(iii) other items as permitted by us; and (iv) the following items as shown on the preliminary title report,
commitment, binder or equivalent dated 20XX
SECONDARY FINANCING:
Secondary financing in the amount of $ NONE has been approved.

SCI.MSC 10/08/10 Page 1 of 2
ESTIMATE OF FEES AND COSTS:
ITEM AMOUNT POC PAID BY

Credit report to: Property Financial Center $29.85 $0.00 Borrower
Inc PRMG Underwriting Fee to: PARAMOUNT $333.19 $0.00 Borrower
RESIDENTI Originator Compensation - Lender $4,112.62 $0.00 Lender
Paid to: Ass Wholesale LPC / Retail YSP (to -$4,112.62 $0.00 Lender
line 802) to: MIP Refund to: HUD -$1,102.01 $0.00 Borrower
Settlement or closing fee to: STALLWART $400.00 $0.00 Borrower
TITLE O Lender's title insurance to: $385.00 $0.00 Borrower
STALLWART TITLE OF Endorsements to: $25.00 $0.00 Borrower
STALLWART TITLE OF MODESTO Notary fee to: $175.00 $0.00 Borrower
STALLWART TITLE OF MODESTO OVERNIGHT to: $35.00 $0.00 Borrower
STALLWART TITLE OF MODESTO WIRE FEE to: $20.00 $0.00 Borrower
STALLWART TITLE OF MODESTO COUNTY TAXES $1,179.90 $0.00 Borrower
to: Other $110.00 $0.00 Borrower
Deed to: STALLWART TITLE OF MODESTO $0.66 $0.00 Borrower
MIP (CASH) to: H U D $3,536.00 $0.00 Borrower
MIP (FINANCED) to: H U D -$1,142.82 Borrower
MIP (REFUND) to: Other
PREMIUM PRICING AMOUNT* (Add to line 802) (0.500%) $1,028.16

*This amount MUST be applied as a credit towards the Borrower' s Closing Costs. The combined total of this amount and
the "Lender Credit for Broker Comp" above, 3,984.77
should be entered on line 802 of the HUD I* Subtotal of Estimated Fees and Costs: $
PER DIEM INTEREST:

From: 03/18/XX To: 04/01/XX
(Anticipated Closing Date)
14 days at $ 18.3096 per day Subtotal of Per Diem Interest: $ 256.33

IMPOUNDS/ESCROWS:
Impound/escrow checks should be made payable to and sent to us together with the original final HUD-1 Settlement Statement.
Mortgage Insurance 0 month(s) at $ 200.25 per month = $ .00
HAZARD INSURANCE 5 month(s) at $ 48.33 per month = $ 241.65
COUNTY PROPERTY TAX 4 month(s) at $ 196.65 per month = $ 786.60
month(s) at $ per month = $
Aggregate Escrow Adjustment: $ -293.27
Impound Subtotal: $ 734.98
Mortgage Ins. Premium: $
TOTAL OF FEES AND COSTS: $ 4,976.08
HUD-1 SETTLEMENT STATEMENT:
The final HUD-1 Settlement Statement must be completed at settlement and must accurately reflect all receipts and
disbursements indicated in these closing instructions and any amended closing instructions subsequent hereto. If any changes
to fees occur documents may need to be re-drawnand re-signed. Faxa certified copy of the final HUD-1 Settlement Statement
to TRISTAR FINANCE GROUP, INC
Attention: Quality Assurance. Send the original final HUD-1 Settlement Statement to us at the following address within 24
hours of settlement: 1000 MAIN ST, LOS ANGELES, CALIFORNIA 91301
ADDITIONAL INFORMATION: BORROWER MUST SIGN AND DATE THESE CLOSING INSTRUCTIONS.
If for any reason this loan does not close within 48 hours of your receipt of funds, immediately return all documents to Lender
and wire all funds only to: TRISTAR FINANCE GROUP, INC
1000 MAIN ST, LOS ANGELES, CALIFORNIA 91301
If you have any questions regarding any of these instructions, please contact TRISTAR FINANCIAL
MORTGAGE GROUP, INC. at (555) 555-5555 .
BORROWER ACKNOWLEDGMENT:I/We have read and acknowledged receipt of these Closing Instructions.
ACKNOWLEDGED AND AGREED:

Settlement Agent Date

SCI.MSC 10/08/10 Page 2 of 2
TAX INFORMATION SHEET
Borrower(s) Name(s): RICHARD
WILLIAM ROGERS
Street Address: 8624 OAKLAWN AVENUE, MODESTO, CALIFORNIA 95355
New Construction? (Y/N)
ESCROW FOR TAXES? (Y/N) N PAYMENT FREQUENCY
Please indicate below, the name(s) of the municipality to which taxes are payable.
COUNTY (if any)
Taxes paid through: (MM/YY)
Address:
Last Amount paid or Estimated Amount of next disbursement:
Next tax payment due: (MM/YY)
Property Identification Number (i.e. parcel number):
CITY, TOWNSHIP OR BOROUGH (if any)

Address:
Signing Agent
should
Last Amount paid or Estimated Amount not fill
of next disbursement:
Next tax payment due: (MM/YY) this out
SCHOOL (if any)

Address:
Other (Assessments, etc.)

Address:
TAX BILLS DUE WITHIN 30 DAYS OF CHASE'S PURCHASE OF THE LOAN MUST BE PAID BY THE CLOSING
AGENT. FAILURE TO PAY TAXES DUE WITHIN 30 DAYS OF FUNDING WILL RESULT IN FUNDING
DELAYS.
CLOSING AGENT: STALLWORTH ESCROW

ADDRESS: 1001 MAIN STREET, LOS ANGELES, CALIFORNIA 991301
PHONE NUMBER: (310)555-5555 ESCROW/FILE #: ML-00000
BY:
DATE NAME/TITLE
800-649-1362
NOTARIAL EVIDENCE FORM
Please print. Fully complete all fields below. Only one form is required per loan.
Include all borrower or signer information, as applicable, in Section 2 below. If multiple documents are notarized, include each document notarized
for each borrower or signer in Section 3 below. Use additional sheets as required based on number of documents notarized.
SECTION 1 – NOTARY INFORMATION

Notary Name
State of Notary Commission
Notary Commission No.
Notary Identification No. (if applicable)
Commission Effective Date
Commission Expiration Date
SECTION 2 – BORROWER(S)/SIGNER(S) INFORMATION

Name and Address of all Borrowers/Signers Executing Notarized Documents. List exact name(s) used in the document(s) being
notarized.
Borrower's/Signer's Name: Borrower's/Signer's Address:
Method of Identification of Borrower/Signer (government issued ID, passport, personal knowledge, etc.)
Borrower's/Signer's Name: Borrower's/Signer's Address:
Method of Identification of Borrower/Signer (government issued ID, passport, personal knowledge, etc.)
SECTION 3 – DETAILS FOR NOTARIZED DOCUMENTS

Loan Number
Date of Notarization
Time of Notarization
Document
Type of Notarization
Name or brief description of notarized document Number of
(oath, affirmation or acknowledgement)
Pages
1.
2.
3.
4.
5.
6.
7.
8.
9.
Positive Proof Identification and Notary Signature Affidavit
State of______________________________________________________
Conty of_____________________________________________________
Notary Public please complete the following:
Notary’s Name:___________________________________________________________
(please print)
Address______________________________________________________
Phone:_______________________________________________________
I, the above described Notary Public, hereby certify that I have checked the identification of:
____________________________________________________________________________________
those parties who have signed before me and I have attached copies of their driver(s) license(s) or other
picture identification. I have verified them to be the same parties as those described in the instruments
acknowledged by me.
WITNESS my hand and official seal In the County and State last aforesaid this ________ day of
_______________, 20_____.
____________________________________________
Notary Public Signature
____________________________________________ Seal
Print Name of Notary
My Commission Expires:________________________________________
My Commission Number is:_____________________________________
Notary: Please make a copy of driver’s license(s), passport, state issued ID card, or military ID card and
return with documents.
Notary Identity Certification
Signer(s): Nancy A.
Jeffrey D.
The loan document signing occurred where no photo copy equipment was available. The signatory’s/
signatories’ identification was presented and the information was recorded as indicated below.
In addition, I acknowledge that the signatory(ies) appeared before me at all points of notarization
to acknowledge that he/she/they freely executed the required documents included in this package.
I, ____________________________, the undersigned notary public commissioned in the State of

_______________, acknowledgments included in this package in the presence of the signatory(ies).
Notary Stamp as proof of commission:
Notary Public: ________________________

Signature
Nancy A.
Type of Identification: ____________________________________
Identification Number: _________________________________ Expiration Date: ___________
Jeffrey D.
Type of Identification: ____________________________________
Identification Number: _________________________________ Expiration Date: ___________
FLORIDA SHORT-FORM INDIVIDUAL ACKNOWLEDGMENT
F.S. 695.25
State of Florida
County of ___________________
The foregoing instrument was acknowledged
before me this ___________________________ day

Date
of ______________________________, ____________,
Month Year
by ___________________________________________,
Name of Person Acknowledging
who is personally known to me or who
has produced ________________________________
______________________________________________
Type of Identification
as identification.
______________________________________________
Signature of Notary Public
_____________________________________________
Name of Notary Typed, Printed or Stamped
Place Notary Seal Stamp Above Notary Public — State of Florida
OPTIONAL
Though this section is optional, completing this information can deter alteration of the document
or fraudulent reattachment of this form to an unintended document.
Description of Attached Document
Title or Type of Document: ____________________________________________________________________________
Document Date: _______________________________________________ Number of Pages: ____________
Signer(s) Other Than Named Above: ___________________________________________________________________
©2014 National Notary Association • www.NationalNotary.org • 1-800-US NOTARY (1-800-876-6827) Item #5181
MIKOS ESCROW
MIKOS ESCROW, INC
OPA-396074
555 N. JUNE ST
MODESTO, CA 95963 SERVICE REQUEST
THIS form acts as your invoice and MUST be returned
with every package and fax/scan as the COVER PAGE.
SERVICE REQUESTED - Witness Closing
Order #: 555555
Requested By: [email protected]
VENDOR INFORMATION
Vendor Charge: $XXX.00
Vendor Number: 71219
Vendor Name: MEGAN BRADY
Vendor Address: 58 W. 91ST STREET
MODESTO CA, 95350
Vendor Office Phone: (555) 606-4938
Vendor Fax:
Vendor Cell:
Vendor Email: [email protected]
Projected Closing Date: 06/22/20XX 12:00:00
BORROWER INFORMATION
Borrowers Name(s): RICHARD W. ROGERS
Borrower Home Phone: (209) 555-5555
Borrower Office Phone:
Borrower Cell Phone:
Borrower Office Phone 2:
Borrower Office Fax:
Borrower Home Fax:
Borrower Home Email:
PROPERTY / LOAN INFORMATION

MODESTO, CA 95355
County: STANISLAUS Township: MODESTO
**CLOSING LOCATION**
5555 GLORIETTA LANE
MODESTO, CA 95356
County: STANISLAUS Township: MODESTO
REQUIREMENTS
1. In the closing documents, you will see a form called "SIGNING CONFIRMATION
CHECKLIST" - it lists our special instructions that pertain to the lender for the
loan. Please be sure to take the time and read it before you leave the signing
table.
2. Refer to the "Stacking Order" sheet when returning documents by FedEx/UPS.
3. Confirm a closing:
a. Go to www.mikos.com/vendor-closing (No login needed.)
b. Fax this form over to: 555-555-8203
c. Scan/email this form to [email protected]
* If anything happened at the closing or did not happen, please be sure to give feedback so we can note the
system and/or pass along to the lender.*
COMMENTS FROM NOTARY:
?Q U E S T I O N S?
(General Questions) During business hours (M-F; 8am-5pm CST):
SCHEDULER:
(Looking for Documents / Document Questions)
CLOSER: Nicola Waters [email protected]
At the Closing:
1st try the borrower's loan officer contact.
2nd try the Closer and/or Scheduler.
3rd try emergency number below (for after hours).
After Hours EMERGENCY - Closing Document Questions:
(M-F; 5pm-8pm and Saturday from 7am-8pm):
CLOSER/MANAGER on CALL:
After Hours EMERGENCY SCHEDULING Issues:
(M-F; 5pm-8pm CST and Saturday from 7am-8pm):
MAXIMA: 555-555-5555

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Mikos

Order Number: 08-5555555-C

Vendor Charge: $XXX.00

Borrower(s) should be contacted to confirm appointment date, time and location.

Closing Vendor Login Instructions:

****Please direct all billing and payment inquiries to [email protected]****

Questions before, during or after the appointment......Call 1-800-723-2408, Option 3.

****SPECIFIC SIGNING INSTRUCTIONS FOR THIS APPT****

SHIPPING INSTRUCTIONS: Shipper/Account:

Label included with docs.

Closing Information Transaction Information Loan Information

Loan Terms Can this amount increase after closing?

Interest Rate 3.25% NO Loan terms

Does the loan have these features?

Cash to Close $2,666.92 Includes Closing Costs. See Calculating CashNew

previous line 303

CLOSING DISCLOSURE PAGE 2 OF 5 • LOAN ID # 0000000000

01 Payoff to XYZ Mortgage and Lending $203,929.00

K. TOTAL PAYOFFS AND PAYMENTS $115,000.00

Loan Amount $150,000.00 $150,000.00 NO

Cash to Close $24,901.00 $2,666.92

CLOSING DISCLOSURE PAGE 3 OF 5 • LOAN ID # 123456789

Partial Payments Estimated Estimated total amount over year 1. You

Adjustable Payment (AP) Table Adjustable Interest Rate (AIR) Table

CLOSING DISCLOSURE PAGE 4 OF 5 • LOAN ID # 0000000000

Applicant Signature Date Co-Applicant Signature Date

CLOSING DISCLOSURE PAGE 5 OF 5 • LOAN ID # 0000000000

$203,924.00 404. cost

Line 303 will tell you

703. Commission paid at settlement

Loan Number: 1234567890

Paid From Paid From

PAYOFF TO XYZ MORTAGE AND LENDING

Charges That Can Change HUD Line Number

Your loan term is 30 years

Your initial interest rate is 3.25 %

Property Taxes Homeowner's Insurance

Loan terms spelled

NOTICE OF RIGHT TO CANCEL

Borrowers: RICHARD W ROGERS

YOUR RIGHT TO CANCEL Date of

Consumer' sSignature Date

RICHARD W ROGERS Date

NOTICE OF RIGHT TO CANCEL/RESCISSION MODEL FORM H-8 (GENERAL)

Loan Number: Date:

Address: 1000 MAIN STREET, LOS ANGELES, CALIFORNIA 91301

Borrower(s): ILLIAM ROGERS

Disclosures marked with an "x" are applicable:

INTEREST RATE AND PAYMENT SUMMARY

Total Est. Monthly Payment $

DEMAND FEATURE: This obligation has a demand feature.

FEDERALTRUTH-IN-LENDING DISCLOSURE STATEMENT

SECURITY: You are giving a security interest in:

PREPAYMENT: If you pay off early, you

ASSUMPTION: Someone buying your property

Applicant ILLIAM ROGERS Date Applicant Date

Applicant Date Applicant Date

Applicant Date Applicant Date

FEDERALTRUTH-IN-LENDING DISCLOSURE STATEMENT

[Date] [City] [State]

Please direct all billing and payment inquiries to [email protected]

SPECIFIC SIGNING INSTRUCTIONS FOR THIS APPT