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". as applicable. Co-Borrower information mu~!.also be provided (and the appropriate box checked) when 0 theincome or assets of a person other than the Borrower (including the Borrower's spouse) will be used as a basis for loan qualification or0 the income or assets of the Borrower's spouse or other person who has community property rights pursuant to state law will not be usedas a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person has community property rightspursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property state,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 anapplicationfor joint credit, BorrowerandCo-Borrowereachagreethat we intendto apply for joint credit (sign below):

Bonowee

[Co-Bonowee

Mort,!!a e OVAApphe:flfor: OFHA

Amount

I. TYPE OF MORTGAGE AND TERMS OF LOAN

-- OOther:(explain!l Agency Case Number Lender Case Number

$

$Title will be held in what Name(s)

$

Legal Description of Subject Property (attach description if necessary)

Purpose of Loan:OPurchase 0 Construction OOther (explain):ORefinance D Construction-Permanent

Complete this line if construction or construction-permanent loan,Year Lot IOriginal Cost IAmount Existing Liens I (a) Present Value of LotAcquired

Property will be:

D ~~~J~~ce 0 ~:;i'.J~~~X 0 Investment

Total (a + b)

$ 1$Complete this line if this is a refinance loan.Year. IOriginal Cost IAmount Existing LiensAcqUIred

$

Purpose of Refinance 0 made 0 to be made

Estate will be held in:

OFee SimplesOUrceof Down Paymen(Settl",iient Charges-and/or SubordinateFinaricing (explain)

III. BORROWER INFORMATION

O~~:;:~~~~ion dot'}

y". School ISoci" S"o,ity Nombee

Mailing Address, if different from Present Address 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) Down DR'nt No.y", Former Address (street, city, state, ZIP) Dow" DR'nt No.y",

Borrower

Name & Address of Employer 0 Self Employedy". on thi,job

y". ,mploy,d in thi, liD'of wockJpmf",ion

y". ,mploy,d in thi, liD'of wo"lpwf",lon

Position/Title/Type of Business Booin'" Phon, IInd. "" cod,} Position/TitlelType of Business Bu,i"", Phon'lind."'0 =d,}

If employed in current position for less than two years or if cu"ently employed in more than one position, complete the following:

Fcoddi,Moo Fo'm 65 07/051003PGl 10105

Paga 1 of 4P,int,d by The loan Handl" Imm Elli, Mae. 'DC. - www.,lIiemae.com

Fanni, Mae Fo'm 1003 07/05

Name & Address of Employer 0 Self EmployedOat" (horn - to)

Name & Address of Employer 0 Self EmployedDo'" (fmm - to)

Monthly Inoom, Monthly Incom,

$ .

PositionlTitie/Type of Business

I Booin'" Phon, (ind. acoaood,)

PositionlTitlelType of Business

I Booin"" Phon, (ind- "" cod,)

Name & Address of Employer 0 Self EmployedOat" {f'om. tol

Name & Address of Employer 0 Self EmployedOat.. (fmm . to)

Monthly Incmno Monthly Inoom,

. .

PositionlTitie/Type of Business

I Booinm Phon, (ind. acoa =d,)

PositionlTitie/Type of Business

1Booin'" Phon, (ind. acoa ood,)

" Setf Employod Bonow,,'si may be 'equj,od to p,ovide additionet d~umentation suob as tax ,etums and finenciet etatements.

BlCDes"ib. Dtba, In,om. Noti,., Alimony. child support. 0' sep,,"e maintenanoe in,ome need not be mveeled if the

Bonow.. IBI 0' Co-Bonowe, ICI does not ob,:,,'e to have ~ 'oosid...d fo, "paying this loon,Monthly Amount

VI,' ASSETS,AND LlABIJJTIES:'This Statemant and .ny applioable ,uppo"ing schedules may be completad ;0 both m..,ied and unma"ied Co.BO!]

oan be meaningfully and fai"y p,osented on a oombinad basis; oth...wi", sep..ate Slatements anoth... p...son, Ihis Slatement and suppo"ing sobedules must be completed about thaI spou'e 0' olh... p...son also, Completed 0 Jointly 0 Nol Jointly

'"ddle Mac 65 07/051003PG2 10/05

Page 2 of 4"'inted by The loan Han"", "om Ellie Mae, Inc. - www.elliemae.com

Fannie Mae Fo'm 100307/05

"f'"1 -r ' ,""." / xlv. MONTl:\lY INCOME ANDCOMBINEDIIOUSINGEXPENSEINFORMATION:.2 ,""J /," JG,oso Monthly In,om. Bonow.. Com' .d P,.s.nt P,oposodou..ng p.n"

Be" Empl. In,om." $ $ $ Rent $ IOv...time FI,st Mortoeoe IP&l $

Bonu... Othe, Finendno IP&I)

Commi,.ions Ha,.,d Insu..noe

Dlvidend"'n",ost Real Estate Ta>es

Not Rental Income Mo"oaoe Insu..nce

Oth... lbelo,e romplellng Homeown... Assn. Duessee the noll,e in "des"ibeoth" inrome." below) Othe"

Totel $ $ $ Total $ $

ASSETSCash or Market Uabmties end PI.d..d Amts. Ust the "edito,'s name. edd".. end acoount numbe, 1o, all outslending debls. including

Dew'ollon Value automobile loaos. ,evolviog ,h..ge ",oounts, real estale loans, alimony, ,hild support; stk pledgos, etc. Use

$,onllnuallon sheet. if neoossa,y. Indioale by (")Ihose liabilitios,whi,h will be sallsfied upon sale of ,eal eslate owned...

Cash deposit low..d p",chase held by, upon ,efinendng of Ihe subject pwpeny.

LIABILITIES\X re

Unpaid Balance

Ust checking and savings accounts belowName and a"'", of Company $ PaymenVMonths $

Name and add,",s of Bank. S&l. 0' Cred Union

cot. no.

Name and a"'e.. of Company $ PaymenllMonths $A,ct. no. 1$

Name and add,",s of Bank. S&l, 0' Cmdit Union

"t. no.

Name and ad"'", of Company $ Payment/Months $

Acct. no. 1$

Name and ad"'ess of Bank. S&l, 0' Cmdit Union

Acct. no.

Name and add".. of Company $ Paymenl/Monlhs $

AOCI.no. 1$

Name and addm,. of Bank. S&l. 0' Cmd Union

A,ct. no.

Name and ad<k", of Company $ PaymentlMonlhs $

Accl. no, $

Stocks & Bonds ICompany name/numbe, $& des"ipllonl

ccl. no.

Name and ad<kess of ,mpany $ PaymantlMonths $

life Insu..n" net cash value $

'eoe emount. $

Subtotal Uquid Assets$

A"t. no.

Neme and ad"'", of Company $ Payment/Months $

Real ostate owned lent" m..ket valu,$'<om sch,dule of ,eal estate owned)

Ve"ed in",osl in ,eti"menl fund $

Net w..th of buslnesslos! owned $ cct. no.(attach finan,;.' stat,ment)

SiC. c,'.. ii. in,;',(Alimony/ChUdSuppo,VSep..ate Mainten'n" $

Automo"'e, owned (make and y",) $Payments Owed to'

, .if

',;

',,;

Oth... A..ets (itemizel $ ob-Related Expense IchUdca", union dues. atc.) $ "

"t,

'

',ii'

.%1'

otal Monthly Payments $ ,,;, ...,'; ..'..

Total Assets a. $ em;";'....'I$ Total Liabilities b. $

Schedule of Real Estate OwnedJf ,ddiHo,,' pwp"H" aceowoed.use00,,""-

P,opeelV Add,e" leote, 5 if sold. 1'5 if peodiog "Ie°' R if ,eo'" beiog held fo, iocome)

Tvpe ofPwpeelV

P,","otM"kel Value

Amouot ofMo'tgag" & Lie",

Gco"Reo'" locume

Mo,tg,gePavmeots

I",u"oce.M,inte"oce.T"" &Misc.

NetReo,,'looome

AltemateName Ccedito, N,me Accouot Numb"

List any -additional names under which credit has prevlOtiiilybee" received andTndicat,,'appropriate credito,'"-.me(s) and account '"-tlmber!s):

,. Purch"e price $

VIII. DECLARATIONS

O!mv... u II.. _~"I. 'l:"'lifease

No Ves No

If you answeruse continuation

b. Alte"Ho",. impwvemeo". cepoi"

Bonower

v..

Co-Bonower

e. Estimated prepoid items

f. hHm'tedclosiogeo>"

c. Have vou ",d prop"tv foredo"d upoo or giveo Hlle or deed iolieu th.reof io the '"t 7 veers?

d. A"vou,c p"tv to ,lawsuit?

DDDDDDDDDDDDDDDD

c. L,"d lif acqui"d "p,,"elv)

d Reli"oce liocl. debts to be paid off)

a. Ace the" 'OVou"t,"diog iudgmeo" ,gaio" vou?

b. Have VOUbeeo d.d,ced beokcupt withio the pest 7 V""?

To'" co"s ladd itoms a through h}

Subo,di"te fi"oelog

e. Have VOU direcllv or iodi"cllV b"o obligated 00 eov IDeo which resulted io fmeclosure. treosf" of Hlle io

lieu of foceclosu,,- or judgmeot? IThis would ioclud, such loeos es home moelgage loeos. SBA loa",. homeimpcovemeot loeos. ,ducotio,,1 loeos. meoufactuced Imobile} home lo'ns. anv moelg'ge. fi"ncialobligaHoo. bond. °' loan guo"ntee. If 'V.s. - pwvide de"ils. iocluding d,te. oome ODd,dd,'" of Lend".FHAor VA c", oumb", if anv. ,od ""0"' for the 'ctioo.}

g. pMI. MIP. Fuodiog Fee

h. Discouot lif Borm""" ""ill 1"'\1

k. Borrow,,'s dosiog costs paid bV Seller

I. Othe, Ccedils I"plain)

f. A" VOUpre"ollv delinqueot or in def,olt 00 onv Fed.,,' debt m eov other

loon. moelgage, li"oci,1 obligaHoo. bood, or IDeo goo"otee? If 'V"." give

details" d"cribed io the pcecediog qo"Hoo.

g. Are voo obligated to pav alimoov. child support, °' "p"ate m,ioteoaoce?

h. Is eov pert of the dowo paVmeot borrowed?

Ace VOUa co-m,k" or eodo"'r DO a oote?- -- - --- --- ---- -- --- ---- --- --- --Acevooa U.S. citi"o?

k. A" voo a permaoe" ",idoot a!;eo?

m. Loao amoo"

Do VOOint.nd to occopV the property" your primarv residence?If 'V"." comple" qo",lioo m below.

lexclude PMI. MIl', Foodiog Fes fioaocedl m. H,ve vo~ had ao owoe"hip i"er"t 10 a pcopertv 10 the '"t

three yea,,?111 What tvpe of prop"tv did VOOowo- prlocipalresideoce

{PRi, ,ecood home ISH}, or investmeot prop"tv IIPI?121 How did VOOhold title to the home. - solelv bv your"" 151.

)oiollv with vour spoose ISPI. or ioiollv with eoother persoo

o. PMI. MIP. Foodiog Fee fioaoced

0. Loao amou" ladd m & 01

p. Cash from / to Borrow",

l,ubtracti,k.l&ofromil

DDIDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD

Each of the ooder,igoed speelficellv "pce"o" to Leoder eod to Leo eolial agoo". brok",s. proce ttomevs. iosorer,. service". succe"o" eod aasigos eod ag"es eodackoowledges that 111the iofocm,tioo provided io this ,pplic,lioo i, true eod coerect " of the ae se or oppo,ite mv ,igoatore eod that aov inteoliooal or oegligeot misrepr",ololioo of thisiofo'matioo cooloioed io thi, applicatioo mav resolt io civil !;abilitv. ioclodiog mooetarv damages, to eov pe"oo who mav suff" eov 'O" due to celieoce 01'00anv misrepre"otatioo that I heve made DO

this app!;catioo. eodlor io crimioal pooalti" ioclodiog, bot oot limited to, fioe or impci,oomoot or both ooder the provi,io", of Tille 18. Uoit.d Slote' Code. Sec. tOOl. et "q., 12}the loeo "qo"tedpo,,"" to Ihi, applicalioo Ithe 'Loeo'l will be secored bV a mortgage or deed of tro" on the propertv d"cribed io this applicaHoo, 131 the propertv will oot be u"d fo' eov megal or prohibited purpose

or 0'" 141all statemeo" made 10this epplicatioo are made for the porpo" of obloioiog a residootiel mortgage loeo, 151'he pcop"tv wm be occupied as iodicated io Ihis ,ppliratioo, 161the Lend". itsse,vi"". ,"""SO" or a"ig", mav reloio the origioal eodlor electrooic cecord of thi> applicalioo. wheth" or oot the Loeo is ,pproved, (7) the Leoder eod i" ageots. broke". ioaore". service".'""""O" eod assigos mav cooli"ouslV "'V 00 the ioformatloo cooloioed io the applicalioo. eod I am obligated ,~ amood eod/or ,"pplem"" the iofo,malioo provided io thi, applicaHoo if eov of the

mat"ial facts that I h,ve represeoted he"io ,hoold cheoge prior to clo,iog of the Loeo, 16} io the eve" that mv paVmeo" on the Loeo become delioqoe". the Leod". its "rvicer,. ,"cee'sors or asslgos

may. io additioo to eov other righ" eod remedies that it mav have releliog to such delioqueoev, repC't mv oame eod accou" ioformalioo to ooe or more coosum" c"dit reporliog ageoci", Ig)

owoe"hip of the Loeo amVor admioistralioo of the Loeo accouot mav be treosf"red with ouch ootice as mav be reqoiced bv law, 110} oeither Leoder oor its ,goo". brokers, i",orer,. "rv;ce".

,"ccesso" or as,lg", h" made eov rep",eotatioo or waereotv, expre" or implied, to me regardiog th, propertv or the cooditioo or valoe of the property; eod 1111 mv tra",mi"loo of this ,pplicalioo as

eo "electrooic record" cootaioiog mv 'electroolc ,igoatore." as tho" teems are defloed io epplicable feJeral eodlo, 'tate laws lexclodiog audio eod video cecordiogsl. or mv facsimile treosmi"ioo of thi,

applicalioo cootaioiog a lac,imile of mv sigoatore. shall be as effective. eoforceable eod valid" if a paper ver,ioo of thi, appllcalioo w"e de!;vered coololoiog mv origioal writteo slgoatoce.

Ackrtowledqemool. Each of the "dersig",d h"ebv ackoowledg" rhat eov owoer of the Loeo, it, servicers. su"""", eod assigos. m,v verifv or reverifv eov loformalioo cootaioed in this applicatioo or

oblaio eov ioformatioo or dala relatiog to the Loeo. for eov legitimate b"io", porpose throogh eov soorce. ioclodiog a soorce "med io this application or a cort,umer reporting ageoev.

BMow"', Sigoatore Date Co-Boerower', Sigoature

x xDate

The followio" iofo'molioo i, requ"ted bVthe Fed"al Govemme" for cerloio tvpes of loeo, rela"d to a dwelliog io ord" to mooitor the looder's comp!;eoce with equal credit opportuoitV. f,ir ho"iogeod home mortgage disclo,"ce law,. Vou ,re oot reqoired to fumish this ioformatioo. but are oocouraged to do '0. The law provid" that a looder m,v oot di"rimioate eith" 00 the b"is of thi,ioformatioo, or 00 wheth" voo choose to fumish;(. If voo fumish the ioformatioo. pi"" provide both ethoicitV eod race. For race, VOU mav check more theo 0"' d,,;goatioo.If Voo do oot fumlshethoicitv, race. or sex. ood" Federal regulatio"" this leod" is required to oote the ioformatioo on the b"ls of visual obse,vatioo eod sumame if VOOhave made thi, applicatioo In persoo. If voo do ootwi,h to fumi,h the ioformatioo, plea" check the box below. ILeoder must review the above material to a"o" that the di"losures sati,fv all reqolremeot' to which the leoder is >object ooder appliceble

'late law for the particular tvpe of loan applied foe.)

BORROWER D I do oot wish 10 fomi,h thi, iofo,m,lioo. CO-BORROWER D I do not wish to fomish this ioformatioo.

Ethnicity D Hisp"ic or Latioo D Hisp"ic or Latioo D Not Hisp"ic or LatiooD Not Hisp"ic °' LaliooEthnicity

Freddie Mac 65 07/051003PG3 to/OS

Page 3 0'4Printed bV The Lo" H"dl" from Ellie Mae. loco - Www.elliemae.com

F"oie M" Form100307/05

$ $ $ $ $ $

,

Totals $ $ $ $ $ $--, -

Race; D ::;;ra1eo or DA'ieo D fiarAmericaoRace: D ::;c:eo oc DAsieo Dhi:arAmedcao

D :.. p",,ii'aer D White D :"p",,ii'aer DWhite

Sex:DFemale DMaie

Sex:DFemale DMaie

To be Completed by Interviewer loterviewer's Name Ipdot or tvpe) Name eod Addr", of I"erview,,'s Emplov"

Thi, applicatioo was lakeo bV'

D Face-to.f", iol",iew lot"view"'s Sigoatore D"e

DMaii

DTelepho" loterview,,', Phooe Nomb" liocl. area codel-

Dlotemet