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A Joint Application Acknowledgment “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 † 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 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 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 an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below): __ Borrower Co-Borrower” B. Income From Alimony, Child Support And Separate Maintenance “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” C. Collection Of Government Monitoring Information For Certain Loans “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 __Not Hispanic or Latino Ethnicity: __Hispanic or Latino __ Not Hispanic or Latino Race: __American __Indian Alaska Native or Race: __American __Indian Alaska Native or ___Asian __Black or African American ___Asian __Black or African American __Native Hawaiian or Other Pacific Islander or __White __Native Hawaiian or Other Pacific Islander or __White Sex: __Female __Male Sex: __Female __Male To be completed by Loan Originator: This information was provided: __In a face-to-face interview __In a telephone interview __By the applicant and submitted by fax or mail __By the applicant and submitted via e-mail or the Internet”

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