Uniform Residential Loan ApplicationThis 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", asapplicable. Co-Borrower information must also be provided (and the appropriate box checked) when 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 communityproperty 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 personhas community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community propertystate, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.

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

VA Conventional Other (explain): Agency Case Number Lender Case NumberFHA USDA/Rural

Housing ServiceAmount$ %

Interest Rate No. of Months Fixed Rate Other (explain):GPM ARM (type):

Subject Property Address (street, city, state, & ZIP) No. of Units

Legal Description of Subject Property (attach description if necessary) Year Built

Purpose of Loan Purchase Construction Other (explain): Property will be:Refinance Construction-Permanent Primary Residence Secondary Residence Investment

Complete this line if construction or construction-permanent loan.Year LotAcquired

Original Cost

$

Amount Existing Liens

$

(a) Present Value of Lot

$

(b) Cost of Improvements

$

Total (a+b)

$Complete this line if this is a refinance loan.YearAcquired

Original Cost

$

Amount Existing Liens

$

Purpose of Refinance Describe Improvements made to be made

Cost: $Title will be held in what Name(s) Manner in which Title will be held Estate will be held in:

Fee SimpleLeasehold (showexpiration date)Source of Down Payment, Settlement Charges and/or Subordinate Financing (explain)

Borrower's Name (include Jr. or Sr. if applicable)

Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School

Married (includes registered domestic partners)Unmarried (includes single, divorced, widowed)Separated

Dependents (not listed by Co-Borrower)

No.Ages

Present Address (street, city, state, ZIP/ country) Own Rent No. Yrs.

Mailing Address, if different from Present Address

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.

Co-Borrower's Name (include Jr. or Sr. if applicable)

Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School

Married (includes registered domestic partners)Unmarried (includes single, divorced, widowed)Separated

Dependents (not listed by Borrower)

No.Ages

Present Address (street, city, state, ZIP/ country) Own Rent No. Yrs.

Mailing Address, if different from Present Address

Former Address (street, city, state, ZIP) Own Rent No. Yrs.

Former Address (street, city, state, ZIP) Own Rent No. Yrs.

MortgageApplied for:

Amortization Type:

I. TYPE OF MORTGAGE AND TERMS OF LOAN

II. PROPERTY INFORMATION AND PURPOSE OF LOAN

III. BORROWER INFORMATIONBorrower Co-Borrower

BorrowerCo-Borrower

Freddie Mac Form 65 6/09 Fannie Mae Form 1003 6/09Calyx Form - Loanapp1.frm (11/09)

Page 1

MORTGAGE CONNECTION, NMLS# 321656 | Originator: DEREK YEUNG ext 110, NMLS# 303763

IV. EMPLOYMENT INFORMATIONBorrower Co-Borrower

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 Yrs. on this job

Yrs. employed in thisline of work/profession

Position/Title/Type of Business Business Phone (incl. area code)

Name & Address of Employer Self Employed Dates (from-to)

Monthly Income$

Position/Title/Type of Business Business Phone (incl. area code)

Name & Address of Employer Self Employed Dates (from-to)

Monthly Income$

Position/Title/Type of Business Business Phone (incl. area code)

Name & Address of Employer Self Employed Dates (from-to)

Monthly Income$

Position/Title/Type of Business Business Phone (incl. area code)

Name & Address of Employer Self Employed Dates (from-to)

Monthly Income$

Position/Title/Type of Business Business Phone (incl. area code)

Name & Address of Employer Self Employed Yrs. on this job

Yrs. employed in thisline of work/profession

Position/Title/Type of Business Business Phone (incl. area code)

Name & Address of Employer Self Employed Dates (from-to)

Monthly Income$

Position/Title/Type of Business Business Phone (incl. area code)

Name & Address of Employer Self Employed Dates (from-to)

Monthly Income$

Position/Title/Type of Business Business Phone (incl. area code)

Name & Address of Employer Self Employed Dates (from-to)

Monthly Income$

Position/Title/Type of Business Business Phone (incl. area code)

Name & Address of Employer Self Employed Dates (from-to)

Monthly Income$

Position/Title/Type of Business Business Phone (incl. area code)

V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

Gross Monthly Income Borrower Co-Borrower Total

Combined MonthlyHousing Expense Present Proposed

Total Total

Base Empl. Income*OvertimeBonusesCommissionsDividends/InterestNet Rental IncomeOther(before completing,see the notice in "describeother income," below)

RentFirst Mortgage (P&I)Other Financing (P&I)Hazard InsuranceReal Estate TaxesMortgage Insurance

Other:

$ $ $ $$

$ $ $ $ $

Homeowner Assn. Dues

* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.

Describe Other Income Alimony, child support, or separate maintenance income need not be revealed if theBorrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.

Notice:

B/C Monthly Amount$

BorrowerCo-Borrower

Freddie Mac Form 65 6/09 Fannie Mae Form 1003 6/09Calyx Form - Loanapp2.frm (11/09)

Page 2

VI. ASSETS AND LIABILITIESThis Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-borrowers if their assets and liabilities are sufficiently joinedso that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower sectionwas completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed by that spouse or other person also.

Completed Jointly Not JointlyASSETS Cash or

Market ValueDescriptionCash deposit toward purchase held by: $

List checking and savings accounts belowName and address of Bank, S&L, or Credit Union

Acct. no. $Name and address of Bank, S&L, or Credit Union

Acct. no. $Name and address of Bank, S&L, or Credit Union

Acct. no. $Stocks & Bonds (Companyname/number description)

$

Life insurance net cash value

Face amount: $

$

Subtotal Liquid Assets $

Real estate owned (enter market valuefrom schedule of real estate owned)

$

Vested interest in retirement fund $

Net worth of business(es) owned(attach financial statement)

$

Automobiles owned (make and year) $

Other Assets (itemize) $

Liabilities and Pledged Assets.

Total Assets a. $

LIABILITIES Monthly Payment &Months Left to Pay

Unpaid Balance

List the creditor's name, address and account number for all outstandingdebts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support,stock pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities which will besatisfied upon sale of real estate owned or upon refinancing of the subject property.

Name and address of Company $ Payment/Months $

Acct. no.Name and address of Company $ Payment/Months $

Acct. no.Name and address of Company $ Payment/Months $

Acct. no.Name and address of Company $ Payment/Months $

Acct. no.Name and address of Company $ Payment/Months $

Acct. no.Name and address of Company $ Payment/Months $

Acct. no.Alimony/Child Support/SeparateMaintenance Payments Owed to:

$

Job-Related Expense (child care, union dues, etc.) $

Total Monthly Payments $Net Worth(a minus b) $ Total Liabilities b. $=>

Schedule of Real Estate Owned (if additional properties are owned, use continuation sheet)Property Address (enter S if sold, PS if pendingsale or R if rental being held for income)

Type ofProperty

PresentMarket Value

Amount ofMortgages & Liens

GrossRental Income

MortgagePayments

Insurance,Maintenance,Taxes & Misc.

NetRental Income

Totals

$ $ $ $ $ $

$ $ $ $ $ $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

BorrowerCo-Borrower

Freddie Mac Form 65 6/09 Fannie Mae Form 1003 6/09Calyx Form - Loanapp3.frm (11/09)

Page 3

VII. DETAILS OF TRANSACTION VIII. DECLARATIONS

IX. ACKNOWLEDGEMENT AND AGREEMENT

X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES

a. Purchase price $b. Alterations, improvements, repairsc. Land (if acquired separately)d. Refinance (incl. debts to be paid off)e. Estimated prepaid itemsf. Estimated closing costsg. PMI, MIP, Funding Feeh. Discount (if Borrower will pay)i. Total costs (add items a through h)j. Subordinate financingk. Borrower's closing costs paid by Sellerl. Other Credits (explain)

m. Loan amount (exclude PMI, MIP,Funding Fee financed)

n. PMI, MIP, Funding Fee financedo. Loan amount (add m & n)p. Cash from/to Borrower (subtract j, k, l &

o from i)

If you answer "Yes" to any questions a through i, please use continuation sheet for explanation.

Borrower Co-BorrowerYes No Yes No

a. Are there any outstanding judgments against you?b. Have you been declared bankrupt within the past 7 years?c. Have you had property foreclosed upon or given title or deed in lieu thereof

in the last 7 years?d. Are you a party to a lawsuit?e. Have you directly or indirectly been obligated on any loan which resulted in

foreclosure, transfer of title in lieu of foreclosure, or judgment?(This would include such loans as home mortgage loans, SBA loans, home improvementloans, educational loans, manufactured (mobile) home loans, any mortgage, financialobligation, bond, or loan guarantee. If "Yes," provide details, including date, name, and address of Lender, FHA or VA case number, if any, and reasons for the action.)

f. Are you presently delinquent or in default on any Federal debt or any otherloan, mortgage, financial obligation, bond, or loan guarantee?If "Yes," give details as described in the preceding question.

g. Are you obligated to pay alimony, child support, or separate maintenance?h. Is any part of the down payment borrowed?i. Are you a co-maker or endorser on a note?

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -j. Are you a U. S. citizen?k. Are you a permanent resident alien?l. Do you intend to occupy the property as your primary residence?

If "Yes," complete question m below.

m. Have you had an ownership interest in a property in the last three years?(1) What type of property did you own-principal residence (PR),

second home (SH), or investment property (IP)?(2) How did you hold title to the home-solely by yourself (S),

jointly with your spouse (SP), or jointly with another person (O)?

Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns andagrees 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 mis-representation 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 anymisrepresentation 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 StatesCode, 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) theproperty 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) theproperty will be occupied as indicated in this application; (6) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whetheror not the 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, andI 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 theLoan; (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 mayhave relating to such delinquency, report my name and account information to one or more consumer credit reporting agencies; (9) ownership of the Loan and/or administration of the Loanaccount 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 representa- tion 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.Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any informationcontained in this application or obtain any information or data relating to the Loan, for any legitimate purpose through any source, including a source named in this applicationor a consumer reporting agency.

Borrower's Signature Date Co-Borrower's Signature DateX X

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 creditopportunity, 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 maynot 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, youmay 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 visualobservation 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 CO-BORROWEREthnicity:Race:

Sex:

Ethnicity:Race:

Sex:

I do not wish to furnish this information

Hispanic or Latino Not Hispanic or Latino

American Indian orAlaska Native

Asian Black orAfrican American

Native Hawaiian or Other Pacific Islander White

Female Male

I do not wish to furnish this information

Hispanic or Latino Not Hispanic or LatinoAmerican Indian orAlaska Native

Asian Black orAfrican American

Native Hawaiian or Other Pacific Islander White

Female MaleTo be Completed by Loan Originator:This information was provided:

In a face-to-face interviewIn a telephone interview

By the applicant and submitted by fax or mailBy the applicant and submitted via e-mail or the internet

Loan Originator's Signature DateXLoan Originator's Name (print or type)

Loan Origination Company's Name

Loan Originator Identifier

Loan Origination Company Identifier

Loan Originator's Phone Number (including area code)

Loan Origination Company's Address

Freddie Mac Form 65 6/09 Fannie Mae Form 1003 6/09Calyx Form - Loanapp4.frm (11/09) Page 4

Right to Receive Copy of Appraisal I/We have the right to a copy of the appraisal report used in connection with this application for credit provided that I/we have paid for theappraisal report. To obtain a copy, I/we must send Creditor a written request at the mailing address Creditor has provided. Creditor must hear from us no later than ____ daysafter Creditor notifies me/us about the action taken on this application, or I/we withdraw this application.If you would like a copy of the appraisal report, contact: MORTGAGE CONNECTION 1435 HUNTINGTON AVE #102 SOUTH SAN FRANCISCO, CA 94080

Form SSA-89 (06-2013)

Social Security Administration

Authorization for the Social Security Administration (SSA) To Release Social Security Number (SSN) Verification

Form Approved OMB No. 0960-0760

with the following company ("the Company"):

Company Name:

Company Address:

I authorize the Social Security Administration to verify my name and SSN to the Company and/or the Company's Agent, if applicable, for the purpose I identified.

The name and address of the Company's Agent is:

I am the individual to whom the Social Security number was issued or the parent or legal guardian of a minor, or the legal guardian of a legally incompetent adult. I declare and affirm under the penalty of perjury that the information contained herein is true and correct. I acknowledge that if I make any representation that I know is false to obtain information from Social Security records, I could be found guilty of a misdemeanor and fined up to $5,000.

This consent is valid only for 90 days from the date signed, unless indicated otherwise by the individual named above. If you wish to change this timeframe, fill in the following:

This consent is valid for days from the date signed. (Please initial.)

Signature

Relationship (if not the individual to whom the SSN was issued):

Contact information of individual signing authorization:

Address

City/State/Zip

Phone Number

Printed Name: Date of Birth: Social Security Number:

I want this information released because I am conducting the following business transaction:

Date Signed

Reason (s) for using CBSV: (Please select all that apply)

Mortgage Service

Background CheckCredit Check

Banking Service

License RequirementOther

Borrowers' Certification and Authorization

CERTIFICATION

The Undersigned certify the following:1. I/We have applied for a mortgage loan through __________________________________. In applying

for the loan, I/We completed a loan application containing various information on the purpose of theloan, the amount and source of the down payment, employment and income information, and the assetsand liabilities. I/We certify that all of the information is true and complete. I/We made nomisrepresentations in the loan application or other documents, nor did I/We omit any pertinentinformation.

2. I/We understand and agree that ___________________________________________reserves the right tochange the mortgage loan review processes to a full documentation program. This may include verifyingthe 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, toknowingly make any false statements when applying for this mortgage, as applicable under theprovisions of Title 18, United States Code, Section 1014.

AUTHORIZATION TO RELEASE INFORMATION

To Whom It May Concern:1. I/We have applied for a mortgage loan through ________________________________. As part of

the application process, _____________________________________ and the mortgage guaranty insurer(if any), may verify information contained in my/our loan application and in other documents required inconnection 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 ________________________________ and to any investor towhom ___________________________________ may sell my mortgage, any and all information anddocumentation that they request. Such information includes, but is not limited to, employment historyand income; bank, money market and similar account balances; credit history; and copies of income taxreturns.

3. ____________________________________ or any investor that purchases the mortgage may addressthis authorization to any party named in the loan application.

4. A copy of this authorization may be accepted as an original.

Borrower Signature

Date:SSN:

Co-Borrower Signature

Date:SSN:

Calyx Form - borcera.frm (12/05)

MORTGAGE CONNECTION

MORTGAGE CONNECTION

MORTGAGE CONNECTIONMORTGAGE CONNECTION

MORTGAGE CONNECTIONMORTGAGE CONNECTION

MORTGAGE CONNECTION

MORTGAGE CONNECTION, NMLS# 321656 | Originator: DEREK YEUNG ext 110, NMLS# 303763

THE HousiNG FINANCIAL DISCRIMINATION Acr oF 1977

FAIR LENDING NOTICE It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

1. Trends, characteristics or conditions in the neighborhood or geographic area suiTounding a housing acconunodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice; or

2. Race, color, religion, sex, marital status, domestic partnership, national origin or ancestry.

It is illegal to consider the racial, ethnic, religious or national or1gm composition of a neighborhood or geographic area surrounding a housing acconnnodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing acconunodation or in determining whether or not, or under what terms and conditions, to provide financial assistance.

These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of one- to four-unit family residences occupied by the owner and for the purpose ofthe home improvement of any one- to four-unit family residence.

If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financialinstitution or the Bureau of Real Estate at one of the following locations:

2550 Mariposa Mall, Suite 3070 Fresno, CA 93 721-2273

320 W. 4th Street, Suite 350 Los Angeles, CA 90013-1105

1515 Clay Street, Suite 702 Oakland, CA 94612-146 2

1651 Exposition Boulevard Sacramento, CA 95815 P.O. Box 137000 (mailing address) Sacramento, CA 95813-7000

1350 Front Street, Suite 3064 San Diego, CA 92101-3687

ACKNOWLEDGEMENT OF RECEIPT

I (we) received a copy of this notice.

Signature of Applicant Date

Signature of Applicant Date

Bureau ofRealEstate- Mortgage Loan Activiies RE 867 (Rev. 10/13)

(Applicant) (Date)

(Applicant) (Date)

(Applicant) (Date)

(Applicant) (Date)

EQUAL CREDIT OPPORTUNITY ACT

APPLICATION NO:

PROPERTY ADDRESS:

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against creditapplicants on the basis of race, color, religion, national origin, sex, marital status, age (providedthe applicant has the capacity to enter into a binding contract); because all or part of theapplicant's income derives from any public assistance program; or because the applicant has ingood faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that

We are required to disclose to you that you need not disclose income from alimony, child supportor separate maintenance payment if you choose not to do so.

Having made this disclosure to you, we are permitted to inquire if any of the income shown onyour application is derived from such a source and to consider the likelihood of consistentpayment as we do with any income on which you are relying to qualify for the loan for which youare applying.

CALYX Form Ecoa.hp 4/95

MORTGAGE CONNECTION, NMLS# 321656 | Originator: DEREK YEUNG ext 110, NMLS# 303763

Applicant Date

Applicant Date

Applicant Date

Applicant Date

NOTICE TO APPLICANT OF RIGHTTO RECEIVE COPY OF APPRAISAL REPORT

APPLICATION NO:

PROPERTY ADDRESS:

MORTGAGE CONNECTION, NMLS# 321656 | Originator: DEREK YEUNG ext 110, NMLS# 303763

MORTGAGE LOAN ORIGINATION AGREEMENT(Warning to Broker: The content of this form may vary depending upon the state in which it is used.)

You agree to enter into this Mortgage Loan OriginationAgreement with as an independent contractor to apply for aresidential mortgage loan from a participating lender with which we from time to time contract upon suchterms and conditions as you may request or a lender may require. You inquired into mortgage financing with

onWe are licensed as a "Mortgage Broker" underSECTION 1. NATURE OF RELATIONSHIP. In connection with this mortgage loan:

* We are acting as an independent contractor and not as your agent.

* We will enter into separate independent contractor agreements with various lenders.

* While we seek to assist you in meeting your financial needs, we do not distribute the productsof all lenders or investors in the market and cannot guarantee the lowest price or best termsavailable in the market.

SECTION 2. OUR COMPENSATION. The lenders whose loan products we distribute generallyprovide their loan products to us at a wholesale rate.

* The retail price we offer you - your interest rate, total points and fees - will include ourcompensation.

* In some cases, we may be paid all of our compensation by either you or the lender.

* Alternatively, we may be paid a portion of our compensation by both you and the lender. Forexample, in some cases, if you would rather pay a lower interest rate, you may pay higherup-front points and fees.

* Also, in some cases, if you would rather pay less up front, you may be able to pay some or allof our compensation indirectly through a higher interest rate in which case we will be paiddirectly by the lender.

We also may be paid by the lender based on (i) the value of the Mortgage Loan or related servicingrights in the market place or (ii) other services, goods or facilities performed or provided by us to thelender.

By signing below, the mortgage loan originator and mortgage loan applicant(s) acknowledge receipt of a copy of this signed Agreement.

MORTGAGE LOAN ORIGINATOR

Company Name

Address

City, State, Zip

Phone/Fax

Broker or Authorized Agent Signature Date

APPLICANT(S)

Applicant Name(s)

Address

City, State, Zip

Borrower Signature Date

Co-Borrower Signature Date

Calyx Form MLOA.FRM 7/01

MORTGAGE CONNECTION

MORTGAGE CONNECTION

MORTGAGE CONNECTION

1435 HUNTINGTON AVE #102

SOUTH SAN FRANCISCO, CA 94080

650-827-9000 / 650-553-9878

MORTGAGE CONNECTION, NMLS# 321656 | Originator: DEREK YEUNG ext 110, NMLS# 303763

Notice to the Home Loan Applicant

In connection with your application for a home loan, the lender must disclose to you the score that aconsumer reporting agency distributed to users and the lender used in connection with your home loan, and the keyfactors affecting your credit scores.

The credit score is a computer generated summary calculated at the time of the request and based oninformation that a consumer reporting agency or lender has on file. The scores are based on data about your credithistory and payment patterns. Credit scores are important because they are used to assist the lender in determiningwhether you will obtain a loan. They may also be used to determine what interest rate you may be offered on themortgage. Credit scores can change over time, depending on your conduct, how your credit history and paymentpatterns change, and how credit scoring technologies change.

Because the score is based on information in your credit history, it is very important that you review thecredit-related information that is being furnished to make sure it is accurate. Credit records may vary from onecompany to another.

If you have questions about your credit score or the credit information that is furnished to you, contact theconsumer reporting agency at the address and telephone number provided with this notice, or contact the lender, ifthe lender developed or generated the credit score. The consumer reporting agency plays no part in the decision totake any action on the loan application and is unable to provide you with specific reasons for the decision on a loanapplication.

If you have questions concerning the terms of the loan, contact the lender.

The consumer reporting agencies listed below provided a credit score that was used in connection with your home loan application.

One or more of the following consumer reporting agencies will provide the credit score:

Experian Equifax Mortgage Solutions TransUnion701 Experian ParkwayP.O. Box 2002Allen, TX 75013(888) 397-3742www.experian.com/reportaccess

815 Eastgate Drive, Suite 102Mount Laurel, NJ 08054(800) 333-0037www.equifax.com

P.O. Box 2000Chester, PA 19022(800) 916-8800www.transunion.com

I have received a copy of this disclosure.

Applicant Date

Page 1 of 1Calyx Form - csid2_cb.frm (01/2013)

MORTGAGE CONNECTION, NMLS# 321656

Page 1

FACTS What DoesWith Your Personal Information?

Financial companies choose how they share your personal information. Federal law gives consumersthe right to limit some but not all sharing. Federal law also required us to tell you how we collect,share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service youhave with us. This information can include:

When you are our customer, we continue to share your information as described in this notice.no longer

All financial companies need to share customers' personal information to run their everyday business. In thesection below, we list the reasons financial companies can share their customers' personal information; the reasons

Reasons we can share your personal information Can you limit this sharing?

For our everyday business purposes --

For our marketing purposes --

For joint marketing with other financial companies

For our affiliates' everyday business purposes --

For our affiliates' everyday business purposes --

For our affiliates to market to you

For nonaffiliates to market to you

such as to process your transactions, maintainyour account(s), responds to court orders and legalinvestigations, or report to credit bureaus

to offer our products and services to you

information about your transactions and experiences

information about your creditworthiness

Why?

What?

How?

Questions?

Calyx Form - Privacy1_NoOptOut.frm (03/12)

#ADV

DCY Mortgage DBA Mortgage Connection Do

• Social Security Number

DCY Mortgage DBA Mortgage Connection chooses to share; and whether you can limit this sharing.

Does DCY Mortgage DBA MortgageConnection share?

No We Don't Share

No We Don't Share

No We Don't Share

No We Don't Share

No We Don't Share

No We Don't Share

No We Don't Share

DCY Mortgage DBA Mortgage Connection, NMLS# 321656

Page 2

Who we areWho is providing this notice?

What we doTo protect your personal information from unauthorized access and use,we use security measures that comply with federal law. These measuresinclude computer safeguards and secured files and buildings.

We collect your personal information, for example, when you

Why can't I limit all sharing? Federal law gives you the right to limit only• sharing for affiliates' everyday business purposes - information about your

creditworthiness• affiliates from using your information to market to you• sharing for non-affiliates to market to youState Laws and individual companies may give you additional rights tolimit sharing.

DefinitionsAffiliates Companies related by common ownership or control. They can be financial and

nonfinancial companies.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Calyx Form - Privacy2_NoOptOut.frm (10/12)

#ADV

How does DCY Mortgage DBA Mortgage Connection protect my personal information?

How does DCY Mortgage DBA Mortgage Connection collect my personal information?

DCY Mortgage DBA Mortgage Connection, NMLS# 321656

_________________________________ ________________________________Borrower Date Borrower Date

SERVICING DISCLOSURE STATEMENT

Lender: DCY Mortgage dba Mortgage Connection Date:

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 describeswhether 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 sendingany monthly or annual statements, tracking account balances, and handling other aspects of your loan.You will be given advance notice before a transfer occurs.

We may assign, sell or transfer the servicing of your loan while the loan is outstanding.

We do not service mortgage loans of the type for which you applied. We intend to assign, sell, ortransfer the servicing of your mortgage loan before the first payment is due.

The loan for which you have applied will be serviced at this financial institution and we do not intendto sell, transfer, or assign the servicing of the loan.

Acknowledgment of Mortgage Loan Applicant(s)

I/We have read and understood the disclosure, and understand that the disclosure is a required part of themortgage application as evidenced by my/our signature(s) below;

Applicant Date Applicant Date

Applicant Date Applicant Date

Calyx Form - sds.frm (01/09)

✔

AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENT NOTICE

NOT

THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERSAVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THATYOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.

To:

From:

Property:

Date:

This is to give you notice that has a business relationship

with .

The nature of the relationship (and percentage of owner ship interest) is:

.

Because of this relationship, this referral may provide

a financial or other benefit.

[ ] A. Set forth below is the estimated charge or range of charges for the settlement services listed. You arerequired to use the listed provider(s) as a condition for [ ] settlement of your loan on [or] [ ] purchase, sale, orrefinance of the subject property.

Provider and settlement service Charge or range of charges

$

$

$

$

$

$

[ ] B. Set forth below is the estimated charge or range of charges for the settlement services of an attorney, creditreporting agency, or real estate appraiser that we, as your lender, will require you to use, as a condition of yourloan on this property, to represent our interests in the transaction.

Provider and settlement service Charge or range of charges

$

$

$

$

$

$

I/We have read this disclosure form, and understand thatis referring me/us to purchase the above-described settlement service(s) and may receive a financial or other benefitas the result of this referral.

ACKNOWLEDGMENT

Borrower Date Borrower Date

Calyx Form - notice.frm (09/02)

DCY Mortgage DBA Mortgage Connection1435 HUNTINGTON AVE #102SOUTH SAN FRANCISCO, CA 94080

DCY Mortgage DBA Mortgage Connection

DCY Mortgage DBA Mortgage Connection

DCY Mortgage DBA Mortgage Connection

DCY Mortgage DBA Mortgage Connection, NMLS# 321656

PATRIOT ACTINFORMATION DISCLOSURE

Applicant Name

Co-Applicant Name

Present Address

Mailing Address

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financialinstitutions 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 otherinformation that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

I/we acknowledge that I/we received a copy of this disclosure.

Applicant Date

Applicant Date

Calyx Form patriotinfo.frm 04/04

DCY Mortgage DBA Mortgage Connection, NMLS# 321656

Authorization & Consent to Receive Disclosures Electronically From Mortgage Connection

1. Electronic Signature. I understand and agree that my electronic signature executed in conjunction with my electronic submission of this Authorization & Consent or in conjunction with any transaction, request or submission by or through this Web site and/or secured email shall be legally binding and such transaction, request or submission shall be considered authorized by me. The date of the signature (acceptance) shall be the date of receipt from Mortgage Connection.

2. Consent to Receive Disclosures Electronically. By checking the “Agree” box below, I hereby consent to receive in electronic format, at my e-mail address shown below, information regarding my loan application and subsequent loan. These documents may include, but not limited to required disclosures, appraisal, first payment letter, notification of transfer of servicing of my loan. To obtain a paper copy of the Disclosures, I may write to Mortgage Connection at 1435 Huntington Ave. #102, South San Francisco, CA 94080 with details of my request. I understand that if I request paper disclosure copies, they will be provided to me at no charge.

3. Scope of Consent. I understand that my consent to receive information electronically constitutes my continuing consent to receive any and all such information in electronic format unless and until such time that I revoke my consent to receive such information electronically by the procedure described below.

4. Withdrawing Consent. I understand and agree that I may withdraw my consent to receive Disclosures electronically at any time by notifying Mortgage Connection via email or in writing at the above address. I understand that withdrawal of my consent shall become effective within a reasonable amount of time thereafter when you have had the opportunity to act on my instructions.

5. Change of E-mail Address. I must promptly notify you of any change in my e-mail address by e-mailing Mortgage Connection and providing Mortgage Connection with my valid e-mail address. I understand that this email address will require a reasonable amount of time to be updated within Mortgage Connection’s information.

7. Security of Information. I understand and agree that you do not guarantee the security of electronically submitted information and that you shall not be responsible for any unauthorized third party interception or use thereof.

8. Joint Applications. I understand that if I have completed an application jointly with another party, that all parties must execute this Authorization and Consent individually, agreeing and providing the email address for each party.

Check one of the following: Agree Disagree

Name: ________________________________________________________________________________________________

Email Address: ________________________________________________________________________________________

Contact Phone #’s: Daytime ______________________________ Cell _____________________________

Signature of Applicant: _________________________________________________________Date: _____________________

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 IMPORTANT: PLEASE READ 

  

Please  discuss  with  your  Loan  Consultant before proceeding with this loan application if you  are  planning  to  pay  off  the  new  loan within  the  next  few months.  He  or  she will help  you  to  find  the  best  loan  programs  to suit your needs.    

 Mortgage Connection  NMLS #321656 CA BRE #01272612