Borrower's Gertification Authorization &

Certification
The undersigned certifythe following: 1. lAy'y'e applied a mortgage have for loanfromHighTechlendingInc.. In applying theloan. for lAlVe completed loanapplication a containing various information the purposes the loan, amount on of the and source the downpayment, of employment incomeinformation, assetsand liabilities. and and l^/ve certify thatall of the information trueand complete. is lAy'Ve madeno misrepresentationsthe loan in application the employer with and/orotherdocuments, did l^y't/e any pertinent nor omit information. 2. lWe understand agree and thatHighTechlending reserves rightto change mortgage Inc. the the loan process a full documentation review program. to Thismayinclude prwidedon the verifying information the application theemployer with and/or financial the institution. l/Wefully understand it is a Federal that punishable fineor imprisonment, both, knowingly crime by or to make falsestatements any whenapplying thismortgage, applicable for as under provisions Tifle'18, the of United States Code, Section 1014.

3.

Authorization to ReleaseInformation To Whomlt MayConcern: '1. l^y'y'e applied a mortgage have for loanfromHighTechlendingInc.. process, As partof the application HighTechlendingInc. mayverifyinformation contained my/ourloan in application in otherdocuments and required connection the loan,eitherbeforethe loanis closedor in with as partof its quality controlprogram. 2. lrye understand agree and thatHighTechLending reserves right change mortgage Inc. the to the loan process a full documentation review program. to Thismayinclude provided the verifying information the on application theemployer with and/or financial the institution. HighTechLending or anyinvestor purchases mortgage address authorizationany Inc. that the may this to party names the loanapplication. in A copyof thisauthorization be accepted an original. may as js Yourpromptreplyto HighTechLending or the investor purchased mortgage appreciated. Inc, that the

3. 4. 5.

Date Social Security Number: SocialSecurity Number:

Date

Borrower's Certification & Authorization 01/04 - Encompasst" from Ellie Mae - www.elliemae.com

GreditAuthorization
1. To all consumer-reporting agencies to all creditors depositories and and ofthe undersigned: Please advised the undersigned, eachof them,hasmadeapplication be that and to: HighTechLending Inc. requesting extension creditto the undersigned. an of Therefore, undersigned, eachof them,hereby the and you authorizes to provide creditreport and/or disclosure Lender any aglnt or balance. undersigned a to or The alsoauthorizes to disclose you yourdeposit creditexperiences the undersigned Lender to third or with to or parties.

2 ln addition, undersigned, eachof them,hereby the and authorizes Lender disclose anythirdparty, any to to or agent employee or thereof, information regarding deposit credit the or experience anyofthe undersigned. with

3. A photographiccarbon or copyof thisauthorization bearing photographic carbon a or copyof thesignature(s) of theundersigned be deemed be equivalent theoriginal may to to hereof maybe usedas a Oupliclte and originat.

Borrower

Date

Co-Borrower

Date

CreditAuthorization 04lO4 EncompassrM from EllieMae - www.elliemae.com