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Closing Instructions

CMG MORTGAGE, INC.


3160 CROW CANYON ROAD STE 350, SAN RAMON, CALIFORNIA 94583 Phone: Fax: (925) 983-3159
Settlement Agent: Date: March 4, 2006
LSI Order #: 88-88888
2550 REDHILL AVENUE Loan No.: 62000001
SANTA ANA, CALIFORNIA 92705 Case No.:
Attn: JANA CUNNINGHAM Loan Closer: DEBBIE STEELE
Phone #: (800) 846-5678 Fax #: (949) 442-2250 Loan Officer: CORPORATE WHOLESALE
Mortgagors: JOHN HOMEOWNER Loan Amount: $ 500,000.00
MARY HOMEOWNER Interest Rate: 6.631
Margin: 2.000
Property: 111 TBD 1 Month Libor Index: 4.631
SAN RAMON, CALIFORNIA 94583 Loan Type: Home Equity Loan without
Initial Rate Period
First Payment: April 1, 2006
Mailing Addr: 111 TBD Last Payment: March 1, 2036
SAN RAMON, CALIFORNIA 94583 Term: (Draw Period) 120
Documents for the above referenced borrowers are attached. All other items enclosed are to be properly executed (and notarized where
required) and copies conformed and returned to this office with a signed copy of these instructions. DO NOT CHANGE any documents
without our specific approval. Borrowers must sign exactly as their names are shown. Return all executed original documents and provide
copies to borrowers.
The CLOSED LOAN FILE must be received by our office following the closing for review prior to us authorizing recording of the
documents. You are authorized to record and disburse funds when you are in a position to issue your extended coverage Lenders policy of
title insurance in the amount of the loan, insuring the enclosed Deed of Trust/Mortgage to be a First Lien or charge upon the real property
described therein, subject only to the following exceptions numbered: 1-3.
The Title Policy must contain endorsements 8.1,111.9.
This loan must record on or before: March 31, 2006. Lender is to be at no expense in this transaction.
CMG MORTGAGE, INC. reserves the right to cancel or amend the terms of this loan and/or instructions at any time prior to recordation of
our Deed of Trust.
Return Documents To:
CMG MORTGAGE, INC.
ADMINISTRATION SAN RAMON
3160 CROW CANYON ROAD STE 350
SAN RAMON, CALIFORNIA 94583
Loss Payee Clause:
CMG MORTGAGE, INC.
Its successors and/or assigns
3160 Crow Canyon Rd., Ste 240
San Ramon, CA 94583
Other Conditions:

1. ATTENTION CLOSING AGENT: BORROWER(S) WILL HAVE $xx IN UNDISBURSED EQUITY FUNDS.

2. ATTENTION CLOSING AGENT: ONE OF THE TWO FORMS OF CUSTOMER IDENTIFICATION MUST BE AN
UNEXPIRED STATE-ISSUED IDENTIFICATION.

3. ATTENTION CLOSING AGENTS: IF YOUR FEES CHANGE OR INCREASE FROM THE AMOUNTS NOTED ON OUR
CLOSING INSTRUCTIONS YOU MUST NOTIFY US IMMEDIATELY AS REVISED DOCUMENTS MUST BE CREATED
AND SIGNED BY THE BORROWER(S). CHANGES WILL DELAY LOAN CLOSINGS.

4. BORROWERS WILL RECEIVE $XX OF NRCC/CC CREDIT FROM ______ AT CLOSING.

5. LOAN MUST FUND/DISBURSE BY LAST BUSINESS DAY OF THE MONTH; NO FUNDING INTO THE NEXT
MONTH.

See attached page for breakdown of loan fees.

Escrow Officer

heqstdis

62000001 CLOSINGINS
Settlement Charges
Paid By Paid By
Borrower Seller

Discounts Points __________% TO CMG $ 612.50 $


Appraisal to TO DALENE'S COUNTRY APPRAISAL SERVICE $ 20.00 $
ADMIN FEE LENDER TO CMG $ 799.00 $
PROCESSING FEE - BROKER TO CMG MTG, INC. - CORP W/S $ 195.00 $
COURIER/DELIVERY - BROKER TO PBB $35.00 $ $
Settlement or closing fee to TO LSI $ 742.96 $
Notary fees to TO LSI $ 50.00 $
Title insurance to TO LSI $ 1,130.50 $
RECORDING FEE (900) TO LSI $ 85.00 $
Interim Interest from 03/04/2006 to 04/01/2006 days @ 92.10/ day $ 2,578.80 $

Total Settlement Charges $ 6,213.76 $

Total Disbursements

Initial Advance to Borrower $ 490,000.00


Total Settlement Charges $ 6,213.76
Cash to/from Borrower $ 483,786.24

NET SETTLEMENT
Loan Amount $ 500,000.00
Plus Cash / Check from Borrower $
Minus Total Settlement Charges $ 6,213.76 $
Minus Total Disbursements to Others $
Minus Undisbursed Funds to Borrower $ 10,000.00
Equals Disbursement to Borrower $ 483,786.24
(after expiration of any applicable
rescission period required by law)
DATE: March 4, 2006
BORROWER: JOHN HOMEOWNER
CASE #:
LOAN #: 62000001
PROPERTY ADDRESS: 111 TBD
SAN RAMON, CALIFORNIA 94583

NOTICE OF RIGHT TO CANCEL


Home Equity Line of Credit

Your Right to Cancel: We have agreed to establish an open-end credit account for you, and you have agreed to give us a security
interest in your home as security for the account. If all or some portion of your account is used to finance the downpayment for the
purchase of the property identified above (“the Purchase Portion”), we are permitted to disburse the Purchase Portion of your account
prior to the expiration date indicated below in the section entitled “How to Cancel.”
You have a legal right under federal law to cancel the security interest applicable to the remainder of the funds available in
your account (“the Nonpurchase Portion”), without cost, within three business days after the latest of the following events:
1. the opening date of your account which is March 4, 2006; or
2. the date you received your Truth-in-Lending disclosures; or
3. the date you received this notice of your right to cancel the account.
The Nonpurchase Portion of your line includes any funds from the Purchase Portion that you subsequently repay and then use
again for some other purpose. If none of the account is being used to purchase the property identified above, then the Nonpurchase
Portion is the entire amount of the account. If you cancel, your cancellation will apply only to the Nonpurchase Portion and to the
security interest resulting from that portion. It will not affect the amount you owe for the Purchase Portion, and it will not affect the
security interest we have in your home for the Purchase Portion but it will terminate your ability to take additional funds from your
account. Within 20 days of receiving your notice, we must take the necessary steps to reflect the fact that the security interest in your
home has been reduced by the amount of the Nonpurchase Portion or cancelled, if applicable. If we require you to sign any
documents or take any actions in connection with reducing the security interest, you must do so. We must return to you any money or
property you have given to us or to anyone else in connection with the Nonpurchase Portion.
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 shown
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 the account, you may do so by notifying us, in writing, at:

CMG MORTGAGE, INC.


3160 CROW CANYON ROAD STE 350
SAN RAMON, CALIFORNIA 94583

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 no matter how you notify us because it contains important
information about your 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.
__________ __________
Initials Initials
I WISH TO CANCEL

___________________________________________________________________________________ _____________________________________________
Consumer’s Signature Date

The undersigned each acknowledge receipt of two completely filled in copies of the above Notice of Right to Cancel.

Each of the undersigned has the right to cancel. The exercise of this right by one of the undersigned shall be effective as to all of the
undersigned.

Consumer’s Signature JOHN HOMEOWNER Date

• HELOC - Notice of Right to Cancel 8/04


FE-3162 (0408)
he3162

62000001 NOTICE
DATE: March 4, 2006
BORROWER: JOHN HOMEOWNER
CASE #:
LOAN #: 62000001
PROPERTY ADDRESS: 111 TBD
SAN RAMON, CALIFORNIA 94583

NOTICE OF RIGHT TO CANCEL


Home Equity Line of Credit

Your Right to Cancel: We have agreed to establish an open-end credit account for you, and you have agreed to give us a security
interest in your home as security for the account. If all or some portion of your account is used to finance the downpayment for the
purchase of the property identified above (“the Purchase Portion”), we are permitted to disburse the Purchase Portion of your account
prior to the expiration date indicated below in the section entitled “How to Cancel.”
You have a legal right under federal law to cancel the security interest applicable to the remainder of the funds available in
your account (“the Nonpurchase Portion”), without cost, within three business days after the latest of the following events:
1. the opening date of your account which is March 4, 2006; or
2. the date you received your Truth-in-Lending disclosures; or
3. the date you received this notice of your right to cancel the account.
The Nonpurchase Portion of your line includes any funds from the Purchase Portion that you subsequently repay and then use
again for some other purpose. If none of the account is being used to purchase the property identified above, then the Nonpurchase
Portion is the entire amount of the account. If you cancel, your cancellation will apply only to the Nonpurchase Portion and to the
security interest resulting from that portion. It will not affect the amount you owe for the Purchase Portion, and it will not affect the
security interest we have in your home for the Purchase Portion but it will terminate your ability to take additional funds from your
account. Within 20 days of receiving your notice, we must take the necessary steps to reflect the fact that the security interest in your
home has been reduced by the amount of the Nonpurchase Portion or cancelled, if applicable. If we require you to sign any
documents or take any actions in connection with reducing the security interest, you must do so. We must return to you any money or
property you have given to us or to anyone else in connection with the Nonpurchase Portion.
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 shown
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 the account, you may do so by notifying us, in writing, at:

CMG MORTGAGE, INC.


3160 CROW CANYON ROAD STE 350
SAN RAMON, CALIFORNIA 94583

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 no matter how you notify us because it contains important
information about your 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.
__________ __________
Initials Initials
I WISH TO CANCEL

___________________________________________________________________________________ _____________________________________________
Consumer’s Signature Date

The undersigned each acknowledge receipt of two completely filled in copies of the above Notice of Right to Cancel.

Each of the undersigned has the right to cancel. The exercise of this right by one of the undersigned shall be effective as to all of the
undersigned.

Consumer’s Signature JOHN HOMEOWNER Date

• HELOC - Notice of Right to Cancel 8/04


FE-3162 (0408)
he3162

62000001 NOTICE
DATE: March 4, 2006
BORROWER: JOHN HOMEOWNER
CASE #:
LOAN #: 62000001
PROPERTY ADDRESS: 111 TBD
SAN RAMON, CALIFORNIA 94583

NOTICE OF RIGHT TO CANCEL


Home Equity Line of Credit

Your Right to Cancel: We have agreed to establish an open-end credit account for you, and you have agreed to give us a security
interest in your home as security for the account. If all or some portion of your account is used to finance the downpayment for the
purchase of the property identified above (“the Purchase Portion”), we are permitted to disburse the Purchase Portion of your account
prior to the expiration date indicated below in the section entitled “How to Cancel.”
You have a legal right under federal law to cancel the security interest applicable to the remainder of the funds available in
your account (“the Nonpurchase Portion”), without cost, within three business days after the latest of the following events:
1. the opening date of your account which is March 4, 2006; or
2. the date you received your Truth-in-Lending disclosures; or
3. the date you received this notice of your right to cancel the account.
The Nonpurchase Portion of your line includes any funds from the Purchase Portion that you subsequently repay and then use
again for some other purpose. If none of the account is being used to purchase the property identified above, then the Nonpurchase
Portion is the entire amount of the account. If you cancel, your cancellation will apply only to the Nonpurchase Portion and to the
security interest resulting from that portion. It will not affect the amount you owe for the Purchase Portion, and it will not affect the
security interest we have in your home for the Purchase Portion but it will terminate your ability to take additional funds from your
account. Within 20 days of receiving your notice, we must take the necessary steps to reflect the fact that the security interest in your
home has been reduced by the amount of the Nonpurchase Portion or cancelled, if applicable. If we require you to sign any
documents or take any actions in connection with reducing the security interest, you must do so. We must return to you any money or
property you have given to us or to anyone else in connection with the Nonpurchase Portion.
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 shown
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 the account, you may do so by notifying us, in writing, at:

CMG MORTGAGE, INC.


3160 CROW CANYON ROAD STE 350
SAN RAMON, CALIFORNIA 94583

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 no matter how you notify us because it contains important
information about your 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.
__________ __________
Initials Initials
I WISH TO CANCEL

___________________________________________________________________________________ _____________________________________________
Consumer’s Signature Date

The undersigned each acknowledge receipt of two completely filled in copies of the above Notice of Right to Cancel.

Each of the undersigned has the right to cancel. The exercise of this right by one of the undersigned shall be effective as to all of the
undersigned.

Consumer’s Signature JOHN HOMEOWNER Date

• HELOC - Notice of Right to Cancel 8/04


FE-3162 (0408)
he3162

62000001 NOTICE
DATE: March 4, 2006
BORROWER: MARY HOMEOWNER
CASE #:
LOAN #: 62000001
PROPERTY ADDRESS: 111 TBD
SAN RAMON, CALIFORNIA 94583

NOTICE OF RIGHT TO CANCEL


Home Equity Line of Credit

Your Right to Cancel: We have agreed to establish an open-end credit account for you, and you have agreed to give us a security
interest in your home as security for the account. If all or some portion of your account is used to finance the downpayment for the
purchase of the property identified above (“the Purchase Portion”), we are permitted to disburse the Purchase Portion of your account
prior to the expiration date indicated below in the section entitled “How to Cancel.”
You have a legal right under federal law to cancel the security interest applicable to the remainder of the funds available in
your account (“the Nonpurchase Portion”), without cost, within three business days after the latest of the following events:
1. the opening date of your account which is March 4, 2006; or
2. the date you received your Truth-in-Lending disclosures; or
3. the date you received this notice of your right to cancel the account.
The Nonpurchase Portion of your line includes any funds from the Purchase Portion that you subsequently repay and then use
again for some other purpose. If none of the account is being used to purchase the property identified above, then the Nonpurchase
Portion is the entire amount of the account. If you cancel, your cancellation will apply only to the Nonpurchase Portion and to the
security interest resulting from that portion. It will not affect the amount you owe for the Purchase Portion, and it will not affect the
security interest we have in your home for the Purchase Portion but it will terminate your ability to take additional funds from your
account. Within 20 days of receiving your notice, we must take the necessary steps to reflect the fact that the security interest in your
home has been reduced by the amount of the Nonpurchase Portion or cancelled, if applicable. If we require you to sign any
documents or take any actions in connection with reducing the security interest, you must do so. We must return to you any money or
property you have given to us or to anyone else in connection with the Nonpurchase Portion.
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 shown
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 the account, you may do so by notifying us, in writing, at:

CMG MORTGAGE, INC.


3160 CROW CANYON ROAD STE 350
SAN RAMON, CALIFORNIA 94583

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 no matter how you notify us because it contains important
information about your 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.
__________ __________
Initials Initials
I WISH TO CANCEL

___________________________________________________________________________________ _____________________________________________
Consumer’s Signature Date

The undersigned each acknowledge receipt of two completely filled in copies of the above Notice of Right to Cancel.

Each of the undersigned has the right to cancel. The exercise of this right by one of the undersigned shall be effective as to all of the
undersigned.

Consumer’s Signature MARY HOMEOWNER Date


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

• HELOC - Notice of Right to Cancel 8/04


FE-3162 (0408)
he3162

62000001 NOTICE
DATE: March 4, 2006
BORROWER: MARY HOMEOWNER
CASE #:
LOAN #: 62000001
PROPERTY ADDRESS: 111 TBD
SAN RAMON, CALIFORNIA 94583

NOTICE OF RIGHT TO CANCEL


Home Equity Line of Credit

Your Right to Cancel: We have agreed to establish an open-end credit account for you, and you have agreed to give us a security
interest in your home as security for the account. If all or some portion of your account is used to finance the downpayment for the
purchase of the property identified above (“the Purchase Portion”), we are permitted to disburse the Purchase Portion of your account
prior to the expiration date indicated below in the section entitled “How to Cancel.”
You have a legal right under federal law to cancel the security interest applicable to the remainder of the funds available in
your account (“the Nonpurchase Portion”), without cost, within three business days after the latest of the following events:
1. the opening date of your account which is March 4, 2006; or
2. the date you received your Truth-in-Lending disclosures; or
3. the date you received this notice of your right to cancel the account.
The Nonpurchase Portion of your line includes any funds from the Purchase Portion that you subsequently repay and then use
again for some other purpose. If none of the account is being used to purchase the property identified above, then the Nonpurchase
Portion is the entire amount of the account. If you cancel, your cancellation will apply only to the Nonpurchase Portion and to the
security interest resulting from that portion. It will not affect the amount you owe for the Purchase Portion, and it will not affect the
security interest we have in your home for the Purchase Portion but it will terminate your ability to take additional funds from your
account. Within 20 days of receiving your notice, we must take the necessary steps to reflect the fact that the security interest in your
home has been reduced by the amount of the Nonpurchase Portion or cancelled, if applicable. If we require you to sign any
documents or take any actions in connection with reducing the security interest, you must do so. We must return to you any money or
property you have given to us or to anyone else in connection with the Nonpurchase Portion.
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 shown
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 the account, you may do so by notifying us, in writing, at:

CMG MORTGAGE, INC.


3160 CROW CANYON ROAD STE 350
SAN RAMON, CALIFORNIA 94583

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 no matter how you notify us because it contains important
information about your 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.
__________ __________
Initials Initials
I WISH TO CANCEL

___________________________________________________________________________________ _____________________________________________
Consumer’s Signature Date

The undersigned each acknowledge receipt of two completely filled in copies of the above Notice of Right to Cancel.

Each of the undersigned has the right to cancel. The exercise of this right by one of the undersigned shall be effective as to all of the
undersigned.

Consumer’s Signature MARY HOMEOWNER Date


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

• HELOC - Notice of Right to Cancel 8/04


FE-3162 (0408)
he3162

62000001 NOTICE
DATE: March 4, 2006
BORROWER: MARY HOMEOWNER
CASE #:
LOAN #: 62000001
PROPERTY ADDRESS: 111 TBD
SAN RAMON, CALIFORNIA 94583

NOTICE OF RIGHT TO CANCEL


Home Equity Line of Credit

Your Right to Cancel: We have agreed to establish an open-end credit account for you, and you have agreed to give us a security
interest in your home as security for the account. If all or some portion of your account is used to finance the downpayment for the
purchase of the property identified above (“the Purchase Portion”), we are permitted to disburse the Purchase Portion of your account
prior to the expiration date indicated below in the section entitled “How to Cancel.”
You have a legal right under federal law to cancel the security interest applicable to the remainder of the funds available in
your account (“the Nonpurchase Portion”), without cost, within three business days after the latest of the following events:
1. the opening date of your account which is March 4, 2006; or
2. the date you received your Truth-in-Lending disclosures; or
3. the date you received this notice of your right to cancel the account.
The Nonpurchase Portion of your line includes any funds from the Purchase Portion that you subsequently repay and then use
again for some other purpose. If none of the account is being used to purchase the property identified above, then the Nonpurchase
Portion is the entire amount of the account. If you cancel, your cancellation will apply only to the Nonpurchase Portion and to the
security interest resulting from that portion. It will not affect the amount you owe for the Purchase Portion, and it will not affect the
security interest we have in your home for the Purchase Portion but it will terminate your ability to take additional funds from your
account. Within 20 days of receiving your notice, we must take the necessary steps to reflect the fact that the security interest in your
home has been reduced by the amount of the Nonpurchase Portion or cancelled, if applicable. If we require you to sign any
documents or take any actions in connection with reducing the security interest, you must do so. We must return to you any money or
property you have given to us or to anyone else in connection with the Nonpurchase Portion.
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 shown
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 the account, you may do so by notifying us, in writing, at:

CMG MORTGAGE, INC.


3160 CROW CANYON ROAD STE 350
SAN RAMON, CALIFORNIA 94583

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 no matter how you notify us because it contains important
information about your 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.
__________ __________
Initials Initials
I WISH TO CANCEL

___________________________________________________________________________________ _____________________________________________
Consumer’s Signature Date

The undersigned each acknowledge receipt of two completely filled in copies of the above Notice of Right to Cancel.

Each of the undersigned has the right to cancel. The exercise of this right by one of the undersigned shall be effective as to all of the
undersigned.

Consumer’s Signature MARY HOMEOWNER Date


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

• HELOC - Notice of Right to Cancel 8/04


FE-3162 (0408)
he3162

62000001 NOTICE
INSTRUCTIONS FOR COMPLETING THE NOTICE OF RIGHT TO CANCEL
FOR ALL HELOCS
THE NOTICE OF RIGHT TO CANCEL (NRTC) IS SIGNATURE AND DATE SENSITIVE. YOU MUST MAKE SURE THAT THE DATES ON
THE NRTC ARE COMPLETED CORRECTLY AND YOU MUST MAKE SURE THAT THE NOTICE IS PROPERLY SIGNED. IF THERE ARE
ANY MISTAKES ON THIS DOCUMENT THAT ARE NOT CORRECTED AT CLOSING, FEDERAL LAW WILL REQUIRE NEW,
REDRAWN DOCUMENTS TO BE SIGNED. SUCH A REDRAW WILL CAUSE THE FUNDING TO BE DELAYED.
ATTENTION NOTARY: If any dates DATE:
on this form are incorrect, you must BORROWER: John Homeowner
correct them by lining through the CASE #:
incorrect date and writing the correct date LOAN #: 62000000
directly above or beside the cross-out. PROPERTY ADDRESS:
The change must be initialed by all
persons who sign the Notice of Right to
Cancel (NRTC). NOTICE OF RIGHT TO CANCEL
Home Equity Line of Credit
If there are multiple signers, each signer
has the right to cancel. We supply 2 Your Right to Cancel: We have agreed to establish an open-end credit account for you, and you have agreed to
copies of the NRTC for each signer. give us a security interest in your home as security for the account. If all or some portion of your account is used
to finance the downpayment for the purchase of the property identified above (“the Purchase Portion”), we are
Each person who signs the NRTC must permitted to disburse the Purchase Portion of your account prior to the expiration date indicated below in the
be given 2 copies with dates #1 & #3 section entitled “How to Cancel.”
filled in. You have a legal right under federal law to cancel the security interest applicable to the remainder of
the funds available in your account (“the Nonpurchase Portion”), without cost, within three business days after the
We must receive back with the signed latest of the following events:
closing package an acknowledgement
1. the opening date of your account which is __________________________; or c
from each signer that he/she received
these copies. d 2. the date you received your Truth-in-Lending disclosures; or
3. the date you received this notice of your right to cancel the account.
Make certain that all dates are entered, The Nonpurchase Portion of your line includes any funds from the Purchase Portion that you
accurate, and initialed by the person subsequently repay and then use again for some other purpose. If none of the account is being used to purchase
signing the NRTC before leaving the the property identified above, then the Nonpurchase Portion is the entire amount of the account. If you cancel,
signing/ closing. your cancellation will apply only to the Nonpurchase Portion and to the security interest resulting from that
portion. It will not affect the amount you owe for the Purchase Portion, and it will not affect the security interest
HOW TO PERFORM we have in your home for the Purchase Portion but it will terminate your ability to take additional funds from your
CORRECTIONS AND ADDITIONS account. Within 20 days of receiving your notice, we must take the necessary steps to reflect the fact that the
TO THIS FORM security interest in your home has been reduced by the amount of the Nonpurchase Portion or cancelled, if
If any error is made when signing and applicable. If we require you to sign any documents or take any actions in connection with reducing the security
completing the NRTC, each and every interest, you must do so. We must return to you any money or property you have given to us or to anyone else in
correction must be lined through, connection with the Nonpurchase Portion.
corrected, and initialed by all signers. You may keep any money or property we have given you until we have done the things mentioned
Example: above, but you must then offer to return the money or property. If it is impractical or unfair for you to return the
10/13/10 JH property, you must offer its reasonable value. You may offer to return the property at your home or at the location
Date: 10/12/10 of the property. Money must be returned to the address shown 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.
EXPLANATION OF DATES How to Cancel: If you decide to cancel the account, you may do so by notifying us, in writing, at:
c Transaction Date CMG MORTGAGE, INC.
The date the Note and Mortgage or Deed A
3160 CROW CANYON ROAD, STE 350
of Trust are signed in the presence of the
SAN RAMON, CALIFORNIA 94583
notary. The addition of this date will
require the signer’s initials.
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 no matter how
e Rescission Expiration Date you notify us because it contains important information about your rights.
To calculate, count the next three (3)
business days after the latest of the three If you cancel by mail or telegram, you must send the notice no later than midnight of (or midnight
events shown in d. Include Saturdays, of e the third business day following the latest of the three events listed above).
but do not include Sundays or the
If you send or deliver your written notice to cancel some other way it must be delivered to the above address
following Federal holidays:
no later than that time.
New Year’s Day January 1
Martin Luther 3rd Monday in
_____________ ____________
King’s Birthday January
Initials Initials
President’s Day 3rd Monday in
I WISH TO CANCEL
February
Memorial Day Last Monday in
__________________________________________________________ _________________________
May
Consumer’s Signature D
Independence Day July 4
Labor Day 1st Monday in
The undersigned each acknowledge receipt of two completely filled in copies of the above Notice of Right to
September
Cancel.
Columbus Day 2nd Monday in
October
Each of the undersigned has the right to cancel. The exercise of this right by one of the undersigned shall be
Veteran’s Day November 11
effective as to all of the undersigned.
Thanksgiving Day 4th Thursday in
November
Christmas Day December 25
f Current Date
The addition of this date will require the Consumer’s Signature John Homeowner Date
signer’s initials.
f Signature Date
The acknowledgement section must be
signed by each person who has a right to ADDITIONAL NRTC INSTRUCTIONS
cancel this transaction. This includes a A
1. Lender name and address must be listed in
non-borrowing spouse, if required by the 2. HELOC purchase money transactions require a rescission on future draws, but the purchase transaction may
state. Each signature must be dated. fund prior to the expiration date of the rescission document.
3. Each borrower has his or her own set of rescission notices.
4. Signer must sign his or her name as shown under the signature line.

Closing agent to sign this form acknowledging procedures for completion of the
NRTC.

_______________________________________________________ _________________
Closing Agent Date

cmghnrtc

62000001 NOTICERTC
SERVICING DISCLOSURE STATEMENT
LENDER: CMG MORTGAGE, INC. LOAN NUMBER: 62000001

NOTICE TO MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE
TRANSFERRED. FEDERAL LAW GIVES YOU CERTAIN RELATED RIGHTS. IF YOUR LOAN IS MADE, SAVE THIS
STATEMENT WITH YOUR LOAN DOCUMENTS. SIGN THE ACKNOWLEDGMENT AT THE END OF THIS STATEMENT ONLY
IF YOU UNDERSTAND ITS CONTENTS.
Because you are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. Sec. 2601 et seq.) you
have certain rights under that Federal law.
This statement tells you about those rights. It also tells you what the chances are that the servicing for this loan may be transferred to a different loan
servicer. “Servicing” refers to collecting your principal, interest, and escrow account payments, if any. If your loan servicer changes, there are
certain procedures that must be followed. This statement generally explains those procedures.
Transfer Practices and Requirements
If the servicing of your loan is assigned, sold, or transferred to a new servicer, you must be given written notice of that transfer. The present loan
servicer must send you notice in writing of the assignment, sale or transfer of the servicing not less than 15 days before the effective date of the
transfer. The new loan servicer must also send you notice within 15 days after the effective date of the transfer. The present servicer and the new
servicer may combine this information in one notice, so long as the notice is sent to you 15 days before the effective date of transfer. The 15 day
period is not applicable if a notice of prospective transfer is provided to you at settlement. The law allows a delay in the time (not more than 30 days
after a transfer) for servicers to notify you, upon the occurrence of certain business emergencies.
Notices must contain certain information. They must contain the effective date of the transfer of the servicing of your loan to the new servicer, and
the name, address, and toll-free or collect call telephone number of the new servicer, and toll-free or collect call telephone numbers of a person or
department for both your present servicer and your new servicer to answer your questions about the transfer of servicing. 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.
Complaint Resolution
Section 6 of RESPA (12 U.S.C. 2605) gives you certain consumer rights, whether or not your loan servicing is transferred. If you send a
“qualified written request” to your servicer, 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. Not later than 60 Business Days after receiving
your request, your servicer must make any appropriate corrections to your account, or 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.
A Business Day is any day in which the offices of the business entity are open to the public for carrying on substantially all of its business functions.
Damages and Costs
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.
Servicing Transfer Estimates by Original Lender
1. The following is the best estimate of what will happen to the servicing of your mortgage loan:
[X] We do not service mortgage loans. We intend to assign, sell, or transfer the servicing of your loan to another party. You will be
notified at settlement regarding the servicer.
OR
[ ] While we have the ability to service this mortgage loan, we have chosen not to do so. We therefore intend to assign, sell, or transfer
the servicing of your loan to another party. You will be notified after settlement regarding the servicer.
OR
[ ] We are able to service this loan and presently intend to do so. However, that may change in the future.
2. For all the loans that we make in the 12-month period after your loan is funded, we estimate that the percentage of such loans for
which we will transfer servicing is between: [ ] 0 to 25% [ ] 26 to 50% [ ] 51 to 75% [X] 76 to 100%
This is only our best estimate and it is not binding. Business conditions or other circumstances may affect our future transferring decisions.
3. This is our record of transferring the servicing of the loans we have made in the past:
Year Percentage of Loans Transferred
(Rounded to nearest quartile - 0%,25%,50%,75% or 100%)
2005 100 %
2004 100 %
2003 100 %

The estimates of 2, and 3, above [ ] do [X] do not include assignments, sales or transfers to affiliates or subsidiaries. If the servicing of your loan
is transferred to an affiliate or subsidiary in the future, you will be notified in accordance with RESPA.
ACKNOWLEDGMENT OF MORTGAGE APPLICANT
I/We have read this disclosure form, and understand its contents, as evidenced by my/our signature(s) below. I/We understand that this
acknowledgment is a required part of the mortgage loan application.

Borrower JOHN HOMEOWNER Date Borrower MARY HOMEOWNER Date


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

Borrower Date Borrower Date

idcmgmod

62000001 BUYDOWN
CMG Deposit Agreement with GMAC Bank
Effective July 2005

GMAC Bank
GMAC BANK – MEMBER FDIC / EQUAL HOUSING LENDER
cmgarmnt

62000001 OTHER
TABLE OF CONTENTS

Deposit Agreement and Disclosures

A. Legal Effect of Agreement . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

B. Account Disclosures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
1. CMG Checking Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
2. Debits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
3. Average Balance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

C. Ownership of Accounts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
1. General . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
2. Individual Accounts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
3. Joint Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
4. Power of Attorney. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

D. General Rules Governing Deposit Accounts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2


1. Deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
2. Authorized Signatures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
3. Facsimile Signatures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
4. Placement of Endorsements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
5. Collection of Items . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
6. Automated Processing of Items . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
7. Fraud Detection/Deterrence and Safeguarding Your Account . . . . . . . . . . . . . . . . . . . . . . . . . 4
8. Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
9. Review of Account Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
10. Check Safekeeping and Check Image . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
11. Check Copies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
12. Payment of Checks and Other Withdrawals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
13. Insufficient Funds/Overlimit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
14. Stale, Time-Dated and Post-Dated Items . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
15. Stop Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
16. Official Checks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
17. Service Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
18. Accuracy and Verification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
19. CMG Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
20. Telephone Access . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
21. Automated Clearinghouse . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
22. Transfer of Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
23. Abandoned/Dormant Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
24. Arbitration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
25. Conflict/Disputes Involving the Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
26. Check 21 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
27. Legal Process Affecting Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
28. Indemnification of Bank . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
29. Costs and Attorneys' Fees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
30. Setoff of Debts and Security Interest. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
31. Changing this Agreement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
32. Terminating this Agreement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
33. Notices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
34. Applicable Law. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
35. Customer's Waiver of Notice. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
36. Information Reported to Consumer Reporting Agencies. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

i
37. Force Majeure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
38. Invalidity of Contract Provisions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
39. Entire Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

Customer Identification Program (CIP). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

Wire Transfer Terms and Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12


1. Authorization and Security Procedure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
2. Execution of Payment Orders. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
3. Cut-Off Times. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
4. Advice of Funds Transfer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
5. Limitation of Liability and Indemnification. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
6. Use of Identifying Numbers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
7. Interest Compensation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
8. International Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Privacy Overview. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Security Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Electronic Funds Transfer Disclosure and Special Terms and Conditions . . . . . . . . . . . . . . . . . . . . . . 14


1. Types of Electronic Funds Transfers Available . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
2. Right to Receive Documentation of Electronic Funds Transfers . . . . . . . . . . . . . . . . . . . . . . . . 15
3. Right to Stop Payment of Pre-authorized Transfers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
4. Liability for Failure to Stop Payments of Automated Debits . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
5. Notice of Varying Amounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
6. Liability for Unauthorized Transfers from Your Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
7. Unauthorized Transfers from Your Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
8. Liability for Failure to Make Transfers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
9. Business Day . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
10. Disclosure of Account Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
11. In Case of Errors or Questions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
12. Bank Contacts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

Appendix . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

A. CMG Agreement and Disclosure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16


B. Schedule of Fees and Service Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
C. Check 21 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
D. Funds Availability Schedule . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21

ii
INTRODUCTION

Welcome to GMAC Bank. Thank you for banking with us. This Deposit Agreement ("Agreement") contains the following sections:

Deposit Agreement and Disclosures

Customer Identification Program (CIP)

Wire Transfer Terms and Conditions

Privacy Overview

Security Overview

Electronic Funds Transfer Disclosure and Special Terms and Conditions

Please read and retain this Agreement so that you can refer to it whenever you have questions about your account. If you have any
questions after reading this Agreement, we would be happy to answer them. You may obtain an additional copy at our branch or by
calling 866-2GM-Bank (866-246-2265).

DEPOSIT AGREEMENT AND DISCLOSURES


A. Legal Effect of Agreement
This Agreement governs all personal deposit accounts established with GMAC Bank and supersedes any previous deposit
agreement. The words "you," "your" and "yours" as used in this Agreement refer to the person(s) who maintain one or more
personal deposit accounts with us, including but not limited to, all owners and signers on the account. The words "we," "us,"
"our" and "Bank" refer to GMAC Bank. By opening and using and/or maintaining an account with us, you agree to the terms and
conditions of this Agreement, including the fees and charges listed in the applicable Schedule of Fees and Funds Availability,
Rate Disclosures and other account opening materials that are incorporated herein by reference. This Agreement and the
Schedule of Fees and Funds Availability and Rate Disclosures are part of our legally binding contract with you. Our deposit
relationship with you is that of creditor and debtor, and you agree and acknowledge that we are not in any way acting as a
fiduciary for you or for your benefit.
B. Account Disclosures
CMG Checking. This checking account is a demand deposit account and is only offered in conjunction with a CMG Home
Ownership Accelerator Line of Credit Agreement and Disclosure Statement (HELOC Agreement) account. No interest will be
paid on this demand deposit account. That means we reserve no right to require notice before withdrawal from this account and
permit an unlimited number of transfers to third parties by check.
1. Deposits. All items deposited to this account will be automatically transferred to and credited to your HELOC Account up to
the balance outstanding in your HELOC Account. If the amount deposited in this account exceeds the outstanding balance in
your HELOC Account, the excess will remain in this account.
2. Debits. All checks drawn on this account, credit card draws or other debits to this account will be deducted from any balance
in this account. If there is no balance in this account the check, credit card draw or other debit will be paid by a transfer from
your HELOC Account to this account. Notwithstanding the foregoing, Lender may not transfer funds to this account to pay
for any check, credit card draw or other debit if you are in default of your HELOC Agreement, the HELOC Agreement has
been terminated or suspended, you have exceeded your credit limit in the HELOC Account or as otherwise provided in your
HELOC Agreement. Any check, credit card draw or other debits drawn on your account to the extent it exceeds the balance
of your account will reduce your HELOC available balance.
3. Average Balance. The average balance in your account during the statement period is calculated by adding the balance in
your account for each day of the period and dividing that figure by the number of days in the period.
C. Ownership of Accounts
1. General. Certain accounts offered by the Bank have eligibility requirements that must be met. You agree to meet all the
applicable requirements at the time any account is opened, including but not limited to, providing all required identification.
All accounts must be owned either as a single ownership, or joint ownership account. The Bank does not recommend that you
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open a particular type of account and is not responsible for the tax consequences or legal effect of opening an account. You
acknowledge and agree that you accept full responsibility for determining the type of account to open. Questions about the
type of account you should open should be referred to your accountant or legal counsel. If you wish to add an owner to, delete
an owner from, or otherwise change the ownership of an account, we may require you to close the account, to surrender any
appropriate account documents, and to open a new account listing the new owners. No changes in account information will be
effective until the Bank receives the appropriate notice in writing and has had opportunity to act upon it. The type of accounts
you select may determine how property passes on in the event of your death. Your will may not control the disposition of
funds held in some of the following accounts.
2. Individual Accounts. By opening an individual account, you are considered by us to be the sole owner of the account,
regardless of whether any other person is designated as a POD payee or ITF payee (as defined below). You may designate
another person to write checks on the account by granting them a limited power of attorney on a form acceptable to the bank,
without granting them any ownership interest in your account. Otherwise, you will be the only person authorized to use the
account. On the death of the party, ownership of the account passes as a part of the party's estate under the party's will or by
intestate succession for a person having no valid will.
3. Joint Accounts. If your account is in two or more names (without a fiduciary, beneficiary or other designation), it is a joint
account and we will presume it is a joint account with right of survivorship, subject to applicable state law. Each joint owner
appoints the other as his or her agent to deposit funds, withdraw and transfer funds, instruct us to stop payment on any item
drawn on the account, add additional joint owners to the account, obtain any and all information about the account and
conduct any and all business on the joint account without limit, including but not limited to, pledging, encumbering or closing
the account. Any joint owner or owners may appoint an attomey-in-fact for the account, but we reserve the right to require the
consent of all joint owners. Acting as an agent, any joint owner can endorse a check, draft or other payment order made out to
any other joint owner for deposit into the joint account. You agree that any money in a joint account may be paid to any one
or more of the joint owners and that payment may be made on the order or instructions of any of the joint owners, whether or
not we have notice that the other owner or owners are deceased at the time of payment. One joint owner is not authorized to
remove another joint owner from the title of the account without the other joint owner's written consent, but may, however,
withdraw all of the funds from the account or close the account. Each joint owner also authorizes the Bank to exercise its
right of offset (set off) and enforces GMAC Bank's security interest in the entire Joint Account, even though only one of the
joint owners is the debtor; these rights exist irrespective of who contributed funds to the Joint Account. Similarly, we can
enforce overlimit liability in the Joint Account against any joint owner individually. Garnishments against any joint owners
are subject to the Bank's right of offset and security interest. The Bank, within its discretion, may not recognize an agent
authorized to act on behalf of one of the Depositors without the consent of the other Joint Account holder(s). Any such
authorization will be in a form acceptable to or provided by us and will remain in effect until written notice of cancellation is
received from any Depositor of the Joint Account and the Bank has had a reasonable opportunity to act upon it. Notice
provided by us to any one joint owner shall be deemed notice to all joint owners.
We are not bound by any attempt by you to change the Account ownership to anything other than a "joint tenants with right
of survivorship," including "tenants by the entirety" or "tenants in common." We will treat all Joint Accounts as "joint tenants
with right of survivorship" for all purposes, including, but not limited to writs, levies, setoffs, and determination of ownership
upon death.
4. Power of Attorney. We are not required to recognize any power of attorney to act on an account. If we accept a power of
attorney, we may continue to recognize the authority of your attorney-in-fact until we receive written notice of revocation or
termination and have had a reasonable time to act upon it.
D. General Rules Governing Deposit Accounts
All the Bank's actions relating to this account, including but not limited to this document, will be governed by the laws and
regulations of the State of Delaware and the United States. Any lawsuit regarding your account must be brought in a proper court
in the State of Delaware. If any part of this Agreement is determined to be invalid or unenforceable, such determination will not
affect the remainder of this agreement.
1. Deposits. You can make deposits to your account in person at our Branch, by mail or by any other method we make
available. You are encouraged to use your personalized deposit slips in order to help us credit deposits to your account as
soon as possible and to minimize errors. If you do not use your personalized deposit slips, you agree that we will not be liable
to you for any errors resulting from your use of a counter deposit slip, whether completed by you or one of our employees.
We are not responsible for deposits made by mail until we actually record the receipt of those deposits in our books and
records. We have the right, but are not obliged, to endorse any non-cash items submitted for deposit into your account and
deposit them into your account and the right to not accept items that contain multiple, missing or improper endorsements. We
also have the right to limit, refuse, hold or return any deposit. You agree to reimburse use for any loss or expense (including,
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without limitation, reasonable attorneys' fees and cost of litigation) we incur because you fail to endorse an item exactly as
drawn, you deposit an item with a missing endorsement, or resulting from or arising out of any return of any deposited item
for any reason whatsoever. If we receive an item on a weekend or holiday the item is deemed to have been received on our
next business day. We will make any necessary adjustments to your account for any discrepancies with which we agree and
notify you. We reserve the right to make adjustments to your Account, in our sole discretion, for computation or other errors
to your Account.
2. Authorized Signatures. The authorized signatures for an account are those reflected on the signature card, any resolution, or
other separate written authorization relating to the account received by us. For the payment of funds and for other purposes
relating to any account you have with us, we are authorized to recognize those signatures, but we will not be liable to you for
refusing to honor a check or other signed instructions if we believe, in good faith, that the signature appearing on such checks
or instructions is not genuine. If the signature card is not returned, you agree that we will not be liable to you for honoring
checks or other signed instructions if we believe in good faith that the signature appearing on such checks or instructions is
authorized. When your account is established, you may indicate your desire for more than one authorized signature on a
check or other item drawn against the account by designating a specific number of desired signatures on the signature card, a
resolution or in separate written authorization that is received by us. However, we do not offer accounts that require two or
more signatures. Any such designation is solely for your convenience and internal control purposes and not binding on us. As
a result, you agree that we may pay checks against your account without regard to the number of desired signatures. You may
also give another person authority over your account by your conduct or failure to act and although we may recognize such
authorization, we may refuse to do so without liability to you. For example, if you voluntarily give information about your
account (such as our routing and transit numbers and/or your account number) to a party who is seeking to sell you goods or
services, and you do not physically deliver a check to that party, any item presented against your account by the party to
whom you gave the information is deemed to have been authorized by you. Moreover, you guarantee and warrant any
unsigned draft that you deposit into your account is authorized.
3. Facsimile Signatures. We are not liable for and reserve the right to reject any item drawn against any personal account that
bears or appears to bear a signature or endorsement made by use of a facsimile signature stamp, machine or any method other
than an original handwritten signature or endorsement, whether or not genuine. If you use, place or make a facsimile signa-
ture or endorsement on any item, you bear the risk of any unauthorized use of your facsimile method or the use of fake
facsimiles and you agree that we may pay and charge your account for such item, regardless of by whom or by what means
the actual or purported facsimile signature or endorsement may have been affixed (whether or not authorized) and regardless
of by whom or by what means the item was created (whether or not authorized).
4. Placement of Endorsements. If you issue a check that contains a carbon band, printing, endorsements or other material on
the back of the check outside the area extending 1½ inches from the trailing edge of the check, that material could also
interfere with endorsements by banks and cause delays in returning the check. Similarly, if you or a prior endorser signs,
stamps or affixes an endorsement to a check for deposit that is outside of the area extending 1½ inches from the trailing edge
of a check, that material could also interfere with endorsements by banks and cause delays in returning the check. Therefore,
you agree that (1) we shall not be liable to you for and (2) you will indemnify and hold us harmless from any and all claims,
loss costs and expenses (including without limitation reasonable attorneys' fees and the costs of litigation) that we or you may
incur as a result of the late return of a check caused by carbon band, printing, endorsements or other material on the back of
any check drawn on or deposited to your account that extend outside the area extending 1½ inches from the trailing edge of
the check. The trailing edge is defined as the left side of the check when viewing it from the front.
5. Collection of Items. When receiving items for deposit or collections, we act as your collection agent and assume no
responsibility beyond the exercise of ordinary care. Special instructions for handling an item are effective only if made in
writing and given to us along with the item in question. We will not be liable for default or negligence of our correspondent
banks or loss in transit and each correspondent bank will only be liable for its own negligence. You are responsible for
reconstruction and proof of loss of any items, including checks and other negotiable instruments, included in deposits which
are lost or stolen in transit before we have received and accepted the deposit. Further, you agree to fully cooperate and assist
in the reconstruction and proof of loss of any items, including checks and other negotiable instruments, included in deposits
that are lost or stolen in transit after we have received and accepted the deposit. Items and their proceeds may be handled in
accordance with applicable Federal Reserve regulations and operating circulars, Clearinghouse Association or Funds Transfer
Systems rules and contractual arrangements with other financial institutions. All deposited items (including those drawn on
another account at the Bank) are credited subject to final payment and our receipt of proceeds. Without prior notice to you,
we may charge back any item drawn on us if the item cannot be honored against the drawer's account. If you have insufficient
funds in your account to cover a returned item, we may overdraw your account in accordance with this Agreement. We are
authorized to pursue collection of previously dishonored items, and in so doing, we may permit the payer bank to hold an
item beyond the midnight deadline. At our discretion, you authorize us to convert any checks that you deposit into your
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account and that are returned for uncollected or insufficient funds to an electronic transaction. If any check or other item
deposited in your account is returned to us by the bank on which it was drawn through the Federal Reserve, a clearinghouse
or other normal check return channels, we may accept that return and charge the check or other item back against your
account without regard to whether the bank on which the check was drawn returned the check before its midnight deadline.
Furthermore, if, after a check or other item deposited into your account is finally paid, it is returned to us by the bank on
which it is drawn because someone has made a claim that the check or other item was altered, forged, unauthorized or should
not have been paid for some other reason, we may debit your account for the amount of the item. If you have insufficient
funds in your account to cover a returned item, we may overdraw your account in accordance with this Agreement in an
amount equal to such check or other item. You agree to reimburse us for any cost or expenses we incur in connection with
any such claim (including, without limitation, attorneys' reasonable fees and court costs) and agree that we may impose
service fees against your account for processing any such claim as reflected in our Schedule of Fees and Funds Availability
for Personal Accounts from time to time.
6. Automated Processing of Items. Checks you write may be automatically processed and/or converted into electronic images
(truncated) during the check collection and return process. If you elect to have your bank documents printed by a vendor that
has not been approved by the bank or you use check stock or features (i.e., security features) that cause critical data to
disappear or be obscured upon truncation or you make your check out in such a way (i.e., using a lightly colored ink) that
causes critical data to disappear upon truncation, you will be doing so at your own risk. We shall not be liable for processing
errors or delays, losses or our failure to process any such item due to printing inaccuracies or faulty magnetic ink encoding of
critical data, or the failure of critical data printed or written on the item to survive truncation. We have adopted automated
collection and payment procedures so that we can process the greatest volume of items at the lowest possible cost to all
customers. These automated procedures involve high-speed automated check processing machines that read information
encoded onto each item in magnetic ink. In recognition of this fact, you agree that in paying or taking an item for collection,
we may disregard all information on the item other than any information encoded onto the item in magnetic ink according to
general banking standards, whether or not that information is consistent with other information on the item. For example, we
may rely on the amount of an item as encoded in magnetic ink, even if that encoded amount differs from the face amount of
the item or exceeds the maximum amount for which the item is valid as stated in a legend on the item (even if we are aware
of it). You agree to reimburse us for any loss or expense (including, without limitation, attorneys' reasonable fees and the cost
of litigation) we incur because you issue or deposit an item containing extra information such as, but not limited to, maximum
amount limitations, date limitations, two signature requirements, etc or containing features or ink that cannot be properly
imaged. You also agree that we have exercised ordinary care in paying an item even though our procedures do not provide for
the sight examination of items with a face amount below an amount we specify from time to time.
7. Fraud Detection/Deterrence and Safeguarding Your Account. There are several precautions that you can and should take
to decrease the risk of unauthorized transactions from your account(s). Such precautions include, but are not limited to:
• Safeguarding and not disclosing to third parties information about your account, such as your account number(s);
• Safeguarding materials and information that can be used to access your account including, but not limited to, your check
book, blank or unused checks, electronic access devices including ATM cards, personal identification numbers and any
passwords or other access-related information, to prevent them from being misused by an unauthorized party;
• Calling us immediately at 866-26M-BANK if you suspect any problem with your account or unauthorized activity, or
your checkbook or unused checks are lost, stolen or misplaced;
• Reviewing carefully your checkbook and unused checks for unauthorized activity if you suspect that any of these items
may have been stolen or tampered with or if you are the victim of theft or your property is burglarized;
• Promptly and carefully reviewing your statement each month for unauthorized activity or missing deposits;
• Closing your account immediately upon discovery of any known or suspected unauthorized activity. When you report
missing, stolen, or unauthorized checks, we may recommend that any account(s) that has been compromised by
unauthorized or fraudulent activity be closed. If you decline this recommendation and elect to leave your account open,
we shall not be liable to you for subsequent losses on the account due to unauthorized activity and we may require you to
indemnify us for any losses we incur as well;
• Limiting your telephone transactions with us to landline telephones. Cordless or cellular phone conversations can be
intercepted without your knowledge or authorization;

4
• Issuing any checks with care to avoid alterations or forgeries. Precautions include without limitation using a dark colored
permanent ink to write out your checks, making sure the numeric and written amounts match and are readable, and
making sure there are no blank or open spaces in the body of the instrument where words or figures are to be inserted.
8. Statements. Your statement will be mailed monthly. We will mail your statements to the address we have for you in our
records. If you elect to have statements mailed to a third-party address, you are still responsible for careful and prompt
examination of the statement and the timely reporting of any problems or unauthorized transactions as outlined below. You
agree to notify us if you change your address and/or any contact telephone information. You also agree that if the U.S. Postal
Service or one of its agents notifies us of a change in address for you, we may change your address based on this information.
We will have no liability to you for changing your address based on such information, even if the information provided by the
U.S. Postal Service or one of its agents is in error. If any statement is returned to us because of an incorrect address, we may
stop sending statements to you until a valid address is provided to us, but for all purposes it shall be considered as if we made
your statement of account available to you as of the statement date that was or would have been printed on your statement.
You will be responsible for the same care in reviewing these statements as if they were mailed. We will destroy statements
being held after 90 days. Your statement is deemed to be received by you five (5) calendar days after its date. You are
responsible for notifying us promptly if you do not receive your statement(s).
9. Review of Account Statements. You are in the best position to discover a forged, unauthorized or missing signature or
endorsement, a material alteration, a missing or diverted deposit or any other error or discrepancy relating to a check, deposit
or other credit or debit entry to your account. Therefore, you should promptly and carefully examine your statements and
canceled checks when you, or a party designated by you, receive them. If you think that an unauthorized person has
withdrawn funds from your account, that one or more deposits is not reflected on your statements, or that there is any other
type of error or discrepancy in your statements, you should notify us immediately. The statement is considered correct unless
you notify us promptly after receipt of the statement, description of the canceled checks, substitute checks or the checks
themselves, or after any error is discovered or reasonably could have been discovered, whichever occurs first.
If you do not discover and report a forged, unauthorized or missing signature or an alteration promptly after we have sent or
otherwise made your statements, you agree not to assert against us (a) any forged, unauthorized or missing signature or
alteration, if we suffered a loss because of your failure to discover and report the problem, and (b) any forged, unauthorized
or missing signature or alteration by the same wrongdoer on items we paid after you have had a reasonable period of time
(not to exceed thirty (30) days) to examine the statement containing or reflecting the first forged, unauthorized or missing
signature or alteration but before we received notice of the problem from you. If the previous sentence applies, but you are
able to prove that we failed to exercise ordinary care in paying the item in question and that our failure substantially
contributed to the loss, then the loss will be allocated between us based on the extent to which our respective failures to
exercise ordinary care contributed to the loss. In that regard, and as disclosed elsewhere in this Agreement, we process checks
and other items by automated means and do not visually examine all checks or other items. You agree that we do not fail to
exercise ordinary care because we use these automated procedures. You also agree that we do not fail to exercise ordinary
care if the items were forged or altered so cleverly (as by unauthorized use of a facsimile machine, photocopy machine,
computer equipment or otherwise) that a reasonable person would not detect the forgery or alteration. If you have not
discovered and reported a forged, unauthorized or missing signature or endorsement, a material alteration, a missing or
diverted deposit or any other error or discrepancy relating to a check, substitute check , deposit or other credit or debit entry
to your account within thirty (30) days of the date on which the first statement containing or reflecting (or that should have
contained or reflected) those items was mailed to you or otherwise made available to you, you agree not to assert that
problem against us. This thirty (30) day limitation takes priority over the provisions in the previous paragraph and applies
regardless of whether or not you or we exercised ordinary care with respect to the item in question (or its payment), the
examination of the statement on which it was reflected (or should have been reflected) or otherwise. IF YOU FAIL TO
DISCOVER AND REPORT THESE OR ANY OTHER ERRORS OR DISCREPANCIES WITHIN THE THIRTY (30)
DAY PERIOD, YOU LOSE ANY AND ALL RIGHTS YOU MAY HAVE TO ASSERT THE ERROR OR
DISCREPANCY AGAINST US.
10. Check Safekeeping and Check Image. The Bank will convert all checks, substitute checks and other paper items presented
on the account to electronic media. Original items will be maintained at the Bank for a limited period of time. Copies of the
originals will be retained for as long as legally required. We will provide copies of original checks or substitute checks upon a
written request and may charge a fee for this service.
11. Check Copies. We will provide copies of original checks or substitute checks required by the Internal Revenue Service or
any state or local taxing authority without additional charge to you. If we cannot provide a copy of the check or substitute
check as agreed, and as a result you sustain a monetary loss, we may reimburse you for any direct loss up to the amount of the
check. We shall not be liable to you for any special or consequential damages of any kind. You agree to provide any

5
information we may require concerning the missing check prior to payment of your claim, and if you fail to substantiate your
claim, we may decline to pay it.
12. Payment of Checks and Other Withdrawals. Checks and other items are sometimes lost or truncated (i.e., converted into
electronic images) during the collection process. Items that have been truncated may also be reconverted into substitute
checks or other replacement documents. Under federal law, the Bank is required to accept substitute checks with warranties
as the legal equivalent of the original and the Bank will pay and charge against your account such substitute checks.
Moreover, you agree that the Bank may at its discretion pay and charge against your account photocopies, image replacement
documents, electronic check or other paper or electronic replacements of the original item that do not constitute substitute
checks, if they are legitimate replacements for properly drawn and authorized items. You agree to allow any imaged
document or copy to serve as the original for all purposes, including charging your account or determining validity of
signature, etc. We reserve the right to refuse to pay or impose a special fee for any check or other item drawn against your
account or used to withdraw funds from your account if the transaction is made in a manner not specifically authorized for
your account, if made more frequently or in a greater number than specifically permitted for your account, or if made in an
amount less than the minimum withdrawal or transfer specifically permitted for your account. If you buy checks from a third-
party vendor and not through us or if you print your own checks, you must be sure that you do not issue more than one check
with the same serial number. If you issue such duplicate checks, we are not responsible for any loss, cost or expense that you
incur as a result. We reserve the right to limit the amount of funds that may be withdrawn from your account in cash for
various reasons including, without limitation, the amount of currency that is available at our financial center. This limitation
is in addition to those set forth in other sections of this Agreement. Withdrawals are generally made first from finally
collected funds and, unless prohibited by law or by our written funds availability policy, we reserve the right to refuse to pay
any check or other item drawn against uncollected funds, impose a special fee for each such item, or both. We may pay
checks or other items drawn upon your account (including those payable to us or on which we may be liable) in any order
determined by us, even if paying a particular check or item results in an insufficient balance in your account to pay one or
more other items that otherwise could have been paid out of your account. Without prior notice to you, we may change the
order in which we generally pay items.
From time to time, a person who is not our customer may attempt to cash a check that you have written on your account with
us. Cashing an item for a non-customer exposes us to certain risks that are not present if the item is deposited at another
financial institution and presented to us through the check collection system. These requirements may include, without
limitation, submitting one or more forms of identification. You agree that we will not be liable for wrongful dishonor for
refusing to cash the item if payee refuses or fails to pay the fee or comply with such reasonable security measures.
13. Insufficient Funds/Overlimits. We may determine whether or not your HELOC account contains sufficient funds to pay a
check or other item at any time between the time we receive the check or other item and our return deadline, and only one
determination of the account balance is required. If that determination reveals insufficient available funds to pay the check or
other item, you agree to pay a service charge, and we are not required to honor the check or other item and may return it.
Alternatively, we may honor the check or other item, create an overlimit and impose a service charge for paying the
overlimit. You are responsible for the full amount of any overlimit and the related service charges. We can enforce overlimit
liability in the joint account against any joint owner individually (and each joint account owner agrees to be liable for all
overlimit liability in the joint account), even if the joint owner did not sign the item creating the overlimit or receive any
benefits from its proceeds. You agree to deposit sufficient funds to cover the overlimit and the related service charge
immediately upon notice of the overlimit and to reimburse us for any costs we incur in collecting the overlimit from you,
including, without limitation, reasonable attorneys' fees and the costs of litigation to the extent permitted by law. However,
the honoring of one or more overlimits does not obligate us to honor any future overlimits, and you should not rely on us to
honor an overlimit even if we have done so in the past. Moreover, we are not required to send you prior notice on checks
returned for insufficient funds.
14. Stale, Time-Dated and Post-Dated Items. We maintain the option either to pay or to dishonor any stale check (i.e., a check
that is more than six months old) upon presentation to us.
Our check processing equipment is unable to detect time-dated checks (i.e., checks stating that they are not valid after a
certain date or beyond a certain period of time). As a result, you agree that we will not be liable to you for charging your
account after the date or period stated on an otherwise properly payable time-dated check (even if we are aware of it) and you
further agree that we are not bound by any time limitation or restriction you may place on any item presented for payment
against your account.
Similarly, our check processing equipment cannot detect a post-dated check (i.e., a check bearing a date later than the actual
date it is written). Therefore, it is not recommended that you issue post-dated checks as a means of withdrawal.

6
To stop us from paying stale, time-dated or post-dated items, you must ask us to stop payment on such items in accordance
with the Stop Payment provision below.
15. Stop Payments. You may ask us to stop payment on checks or ACHs drawn on your account that we have not paid. You
must tell us the exact amount of the check or ACH, check number, date of check or ACH payee and the full account number
on which it is drawn for us to be able to enter a stop payment. If the information you give us is not correct or if you do not
give us other reasonable information requested about the check or ACH, we will not be responsible if we are not able to affect
the stop payment. We also cannot be responsible if we are not able to identify the proper check because you have issued more
than one check with the same serial number.
If you generate your checks by computer or in any other manner that does not produce a MICR-encoded check number on the
check, we will be unable to guarantee that your stop payment will be honored. You therefore agree to hold us harmless should
we be unable to honor a stop payment order that you have timely and correctly placed on your check with no MICR-encoded
check number. We are entitled to a reasonable period of time within which to notify our employees after you give us a stop
payment order. A "reasonable time" means until the end of the business day following the day on which the stop payment
order was placed.
Moreover, we are not obligated to re-credit your account if we pay a check over a valid and timely stop order unless you are
able to demonstrate that you would not have otherwise been obligated to pay the check. In that regard, you should be aware
that a stop order does not relieve you of your obligation on a check that has been negotiated to a holder in due course. If we
re-credit your account after paying a check over a valid and timely stop payment order, you agree to transfer to us all of your
rights against the payee or other holder of the check, and to assist us in any legal action taken against that person. Any person
who is authorized to draw checks against the account may give a release or cancellation of a stop payment order. Stop
payment orders (both oral and written) are valid for six months from their dates unless renewed by you for an additional six
months. The fee for stopping payment is contained in the Schedule of Fees and Funds Availability for Personal Accounts.
You may renew a stop payment order by calling or writing us prior to the expiration of the existing stop payment order. If
you place or renew a stop payment order, you agree to pay our stop payment fee and to hold us harmless from all costs and
expenses incurred by us, including our attorney's fees, due to our refusal to pay the check stopped.
16. Official Checks. In certain cases you may request an Official Check be issued and your account charged. If an official check
is lost or stolen and Customer requests that a stop payment order be placed on such check, Bank may place such a stop
payment order under certain circumstances. Customer must provide to the Bank a written statement of the loss and must
provide an indemnification in a form acceptable to the Bank that will protect the Bank in case the original check is presented.
Bank may delay reimbursing you for the original check until the Bank is reasonably sure that the original check will not be
presented. The placement of a stop payment on an official check is solely at the Bank's discretion. If we stop payment on an
official check we will charge you a service charge according to the Bank's Schedule of Fees and Service Charges.
17. Service Fees. You agree to pay any service fees that apply to your account or the services described in or incorporated into
this Agreement. Service fees may include, but are not limited to, charges for check printing, stop payment orders, notices of
post-dated items, official checks, overlimits, wire transfers, investigation, research and insufficient funds checks. Any fees
may be deducted from your account without prior notice to you. We will not be liable for dishonoring checks or other
withdrawal orders because of insufficient funds resulting from proper deduction of fees. Our current Schedule of Fees and
Funds Availability for Personal Accounts are given to you when you open an account and are available at our financial
centers. Service fees are subject to change from time to time at our discretion. Notice of any changes will be sent to you at the
address shown on our records, and a reasonable period of time will be given before any changes become effective. You
further agree to reimburse us for any actual expenses we incur to execute, cancel or amend any wire transfer payment order or
ACH entry, or perform any related act at your request.
18. Accuracy and Verification. You acknowledge and agree that any information you have supplied or will supply in the future
to GMAC Bank is complete and correct. You agree that we may request reports from credit bureaus and consumer reporting
agencies to investigate or reinvestigate any information provided by you in connection with your application for any account.
We may also verify your employment, salary, assets, debts and references.
19. CMG Home Ownership Accelerator Card(s). Is issued with each associated CMG checking account and should be used
according to the terms and conditions of the Card Agreement and Disclosure Statement in this Agreement.
20. Telephone Access. You may access your accounts and perform many banking services using a touch-tone telephone and
personalized access codes. Services may include balance and transaction information, transfers, stop payments, interest
information and other matters (where available).

7
21. Automated Clearinghouse. From time to time, you may be a party to an automated clearinghouse (ACH) entry, which may
be credited or charged to your account. You agree to be bound by the National Clearinghouse Association (NACHA)
operating rules then in effect for any ACH transactions. You agree that we may rely on the representations and warranties of
the originator of the ACH transaction set forth in the NACHA operating rules in debiting or crediting your account. We will
notify you of the receipt of any ACH entry only in your account statement, and you may confirm receipt by calling the
telephone number listed in the "Bank Contacts" section of this Agreement. You agree that payment of ACH entries will be
processed on the basis of the identifying number, even if the identifying number identifies a person or entity different from
the named party in the transaction. If you receive an unauthorized transaction posted to your account, you have fifteen (15)
days to notify us to return the item as unauthorized. We will not be able to return the item after that time without the
cooperation and agreement of the originating bank and the originating company. Any other action must be conducted
between you and the originator of the transaction.
Please note that the ACH system may not be used to process transactions in violation of Office of Foreign Assets Control
("OFAC") sanctions. At a minimum, illicit transactions will be blocked or rejected and originators of such ACH transactions
may face penalties.
From time to time a merchant may ask to use one of your checks as a source of account information in order to initiate an
electronic withdrawal from your account. The merchant should ask you to sign an authorization form and give you a receipt
for the transaction. If you authorize such a transaction, the merchant will use certain information obtained from one of your
checks (which may be blank, partially or completely filled out and signed or unsigned), along with certain other information
concerning the transaction (such as the amount), to initiate an ACH debit transaction against your account. At that point, the
merchant should mark the check void and give it back to you (you should treat the voided check with care because someone
else who obtains possession of it could use the information to initiate additional debits against your account). The merchant
then sends the transaction through the ACH system electronically. The funds will be debited from your account and deposited
into the merchant's account. A description of the transaction containing the serial number of the check used to initiate it will
appear on your monthly statement from us. If you authorize a merchant to use one of your checks to initiate this type of
transaction, the transfer is governed by the Electronic Funds Transfer Act and is subject to the Electronic Funds Transfer
Disclosure and Special Terms and Conditions that appear later in this Agreement. It is not subject to the rules for normal
check transactions described in this part of the Agreement.
If we return a check you give a merchant because of insufficient or uncollected funds, the merchant may also re-present the
check to us electronically. In order to do this, the merchant must give you a notice (before accepting your check) that your
check may be collected electronically if it is returned. A description of the transaction containing the serial number of the
check will appear on your monthly statement from us. If a merchant re-presents a check electronically, the transaction is not
covered by the Electronic Funds Transfer Act. However, if the merchant charges you a fee as a result of the returned check
and you authorize the merchant to electronically debit the fee from your account, that transfer is covered by the Electronic
Funds Transfer Act and is subject to the Electronic Funds Transfer Disclosure and Special Terms and Conditions that appear
later in this Agreement.
22. Transfer of Accounts. Accounts are NOT transferable.
23. Abandoned/Dormant Accounts. If you fail to notify us in writing of any change to your current mailing address or you fail
to utilize your account, your account and deposits may be presumed dormant or even abandoned after a certain period of
time. Accounts that are presumed to be abandoned will be escheated to the state of your last known address in which your
account is maintained in accordance with applicable law.
24. Arbitration
THIS ACCOUNT PROVIDES THAT EXCEPT AS DETAILED IN 25(b), ALL CLAIMS (AS DEFINED BELOW)
REGARDING YOUR ACCOUNTS WILL BE RESOLVED BY BINDING ARBITRATION. BY SIGNING THIS
AGREEMENT, THE PARTIES VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT TO LITIGATE THE
CLAIM IN COURT, PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OR CLAIMANTS
PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION OR HAVE A JURY TRIAL FOR CLAIMS THAT
ARE SUBJECT TO ARBITRATION.
a. AGREEMENT TO ARBITRATE CLAIMS. I understand and agree any claim, dispute, or controversy (collectively
"Claim") between you and us (except those listed below in Paragraph 25(b), including but not limited to those arising
out of this Account, your application, advertisements, and servicing and collection of this Account, any outstanding
balance, insurance products or services, as well as any other disclosure or document related to the Account shall
exclusively be resolved by BINDING ARBITRATION by an arbitrator of the American Arbitration Association
("AAA") in accordance with (i) the Federal Arbitration Act; (ii) the Expedited Procedures of the Commercial Rules of

8
the AAA and (iii) this Paragraph. The term "Claim" shall be given the broadest possible meaning. The terms of this
paragraph shall control any inconsistency between the arbitration rules and this Paragraph. You may obtain a copy of the
arbitration rules by writing the AAA at American Arbitration Association, 335 Madison Avenue 10th Floor New York,
NY 10017-4605. An action to compel arbitration may be brought at any time even after a claim has been commenced or
raised in a court of law or equity or the Note has been paid in full. At our written request we will pay all fees up to
$1,000 for the AAA's cost of the arbitration of the claim. If the cost of the AAA arbitration exceeds $1,000, the parties
will share the excess cost equally otherwise ordered by the AAA because my costs in pursing the arbitration would be
prohibitive. Unless inconsistent with applicable law, each party shall pay his/her own attorney, expert and witness fees
and expenses.
b. CLAIMS EXCLUDED FROM JURISDICTION. The following actions shall not be subject to arbitration: any action
to obtain possession of the property securing the Account; any action for prejudgment injunctive relief or appointment of
receiver(s) unless for these actions an arbitrator can provide the same relief that a court can provide. In addition, we
agree that we will not require you to arbitrate an individual claim brought against us in small claims court or your
equivalent state court, if any; however if that claim is transferred to appealed to a different court, we reserve the right to
require arbitration under this Paragraph 13.
c. JUDGMENT and ADDITIONAL TERMS. An arbitration award shall be final and may be entered as a judgment in
any court having jurisdiction, except that if the amount in controversy exceeds $10,000, either party may appeal the
arbitrator's award to a three-arbitrator panel of the AAA which shall re-consider de novo any aspect of the initial award.
The costs of such appeal will be borne by the appealing party regardless of the outcome of the appeal. You agree that
any arbitration proceeding will only consider your claims. Claims by or on behalf of other borrowers, co-borrowers, co-
signers, sureties or applicants will not be arbitrated in any proceeding that is considering your claim.
This Notice shall survive any termination of this Account, including but not limited to repayments of amounts owed on this
Account and an event of default. If any portion of this arbitration provision is deemed invalid or unenforceable, this shall not
invalidate the remaining portions of the arbitration provision or the Account.
25. Conflict/Disputes Involving the Account. If we receive a actual or potential claim from a third party regarding your
account, or conflicting instructions or claims from authorized signers, we may, at our discretion, choose to rely on the current
account documentation, honor the competing claim if we receive evidence supporting the claim, or refuse to pay out any
money from your account until we receive consistent instructions from all parties or a court order, all without any liability to
you. We may also without liability to you close the account and issue a check made payable to you, to you and each
authorized signer, or you and each claimant, as we deem necessary, or interplead the funds into court. You agree to reimburse
us for any loss, costs or expenses, including without limitation, reasonable attorneys' fees and the costs of litigation to the
extent permitted by law, that we incur as a result of any dispute involving your account, and you authorize us to deduct such
loss, costs, and expenses from your account(s) with us without prior notice to you. This obligation includes disputes between
us involving account and situations where we become involved in disputes between you and an authorized signer, another
joint owner, or a third party claiming an interest in the account. It also includes situations where you, an authorized signer,
joint owner, or third party takes any action with respect to the account that causes us, in good faith, to seek the advice of
counsel, whether or not we actually become involved in a dispute. This obligation also includes costs associated with
investigation and research we initiate internally.
26. Check 21. If your account is a regular checking account with check-writing privileges, it is subject to the provisions of the
Check Clearing for the 21st Century (Check 21) Act. If your account is subject to the Check 21 Act, you will or may receive
substitute checks or images of substitute checks in place of your checks or copies thereof. These substitute checks are the
legal equivalent of original checks for all purposes and may be used as such.
In addition, the Check 21 Act gives you certain rights, and imposes certain obligations on you, with respect to recredit and
other disputes which may arise from the use of substitute checks. These rights are detailed in the statement attached as
Appendix E. If your account is subject to the Check 21 Act, it is subject to the rights and obligations set forth in Appendix E
to this Agreement.
27. Legal Process Affecting Accounts. If legal action such as an attachment, garnishment, levy or other state or federal legal
process ("legal process") is brought against your account, we may refuse to permit (or may limit) withdrawals or transfers
from your account until the legal process is satisfied or dismissed. We will not contest on your behalf any such legal process
and may take action to comply with such process as we determine to be appropriate in the circumstances without liability to
you, even if the legal process purports to affect the interest of only one owner of a joint account and even if any funds we
may be required to pay out leaves insufficient funds to pay a check you have written. If we incur any expenses, including
without limitation, attorneys' reasonable fees, in connection with any such legal process, we may charge any expenses and

9
fees to your account or any other account you may have with us without prior notice to you, or we may bill you directly for
such expenses and fees. Any garnishment of other levy against your account is subject to our right of setoff and security
interest. You agree that because we have financial centers or offices in numerous jurisdictions and states other than where
your account was opened, if we are served with any process as referenced above in any jurisdiction or state, you hereby direct
us to recognize and honor such service of process.
28. Indemnification of Bank. You agree to indemnify and hold us, our officers, employees and agents harmless from any and all
losses, claims, and expenses (including attorneys' fees and costs of litigation) of any kind (collectively "losses claims and
expenses") arising in connection with the services provided under this Agreement, except losses, claims, and expenses arising
out of our negligence or willful misconduct of our employees. You further agree to hold us and our employees, officers,
employees and agents harmless from any and all claims and expenses arising out of actions taken or omitted in good faith by
us in reliance upon instructions from you. We shall not be responsible or liable to any other entity's (not under our direct
control) acts or omissions, including without limitation, any Federal Reserve Bank, Clearinghouse, correspondent bank, or
transmission or communication facility, and we shall not be responsible of liable to you for failure or delay in our
performance under this Agreement or for any losses, claims, and expenses due to causes or conditions, including, without
limitation, delays and/or interruptions of business due to acts of God, natural disasters, fire, acts of government authority, acts
of terrorists, public enemy or war, riots, civil disturbances, insurrections, labor difficulties, power failure, telecommunications
failure, severe adverse weather conditions or other circumstances beyond our reasonable control. Even if liability is
established for actual damages, IN NO EVENT SHALL WE OR YOU BE LIABLE TO ONE ANOTHER FOR SPECIAL,
PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE FURNISHING,
PERFORMANCE OR USE OF THE SERVICES PROVIDED FOR UNDER THIS AGREEMENT, EVEN IF YOU OR WE
HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES UNLESS REQUIRED BY APPLICABLE LAW.
The limitations and exclusions in this paragraph shall apply to all claims of every kind, nature, and description whether
arising from breach of contract, breach of warranty, negligence or other tort, and shall survive the termination of this
Agreement.
29. Costs and Attorneys' Fees. You agree to reimburse us for our costs and expenses (including attorney's fees) incurred in any
action that we bring against you concerning your account and in any lawsuit instituted by you against us where we are the
prevailing party. You further agree to reimburse us for any actual expenses we incur to execute, cancel or amend any wire
transfer payment order, or perform any related act at your request, including, without limitation, costs associated with
investigations and research we initiate internally. We may charge any account of yours for such costs and expenses without
prior notice to you.
30. Setoff of Debts and Security Interest. Any pledge or assignment of time deposits and other deposit accounts for security
purposes remains subject to our right of setoff and security interest. If you ever owe us or any of our affiliates money as a
borrower, guarantor, judgment debtor or otherwise, including any obligation owed to a financial institution acquired by us,
and it becomes due, we have the right under the law (called "setoff"') and under this Agreement, by which you grant us a
security interest in your certificates of deposit and other deposit accounts, to use the money from your accounts) maintained
with us or our affiliates to pay the debt. We may use the money to pay the debt even if the withdrawal results in a loss of
interest, the imposition of a penalty or the dishonor of checks. In the case of a joint account, each joint owner agrees that we
may use the money in their joint accounts to satisfy any one of their individual obligations. We may use the money if: (I) you
are a joint owner of the account and (2) you are indebted to us or (3) the debt is owed to us by another joint owner. This right
exists irrespective of who contributed funds to the joint account. Similarly, each joint owner agrees that we may use the
money in their individual accounts to satisfy obligations in their joint accounts). The security interest grantee by this
Agreement is consensual and is in addition to our right of setoff. However, our right of setoff and security interest may not
apply to your account if: (a) the debt is created by a consumer credit transaction under a credit card plan (unless that debt is
subject to a court judgment in our favor); or (b) the debtor's right of withdrawal arises only in a representative capacity. To
the extent any of the funds to be setoff are entitled to any exemption from execution, levy, attachment, garnishment, seizure
or other legal or equitable process (including, without limitation, any Social Security, Supplemental Security Income.
Veterans or other federal or slate benefits), then to the maximum extent allowed by law you hereby knowingly, affirmatively
and unequivocally waive such exemption and consent to our setoff against such funds as contemplated by this Agreement.
31. Changing this Agreement. We have the right to change the terms of this Agreement and any fees, charges and other terms,
and conditions described in other documents incorporated by reference. We will notify you in writing at least thirty calendar
days before the change will take effect if the change is not in your favor. Any such notification will be effective if mailed to
the address of the account in our records. If any such notice is returned to us as undeliverable, the changes described in that
notice are still binding on you. Therefore, it is very important for you to notify us right away if you're mailing address
changes. This Agreement may not be amended or modified orally. We reserve the right to waive the enforcement of any of
the terms of this Agreement with respect to any transaction or series of transactions. Any such waiver will not affect our right
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to enforce any of our rights with respect to other customers, or to enforce any of our rights with respect to later transactions
with you. Whether we enforce or waive our rights does not obligate us to enforce or waive similar rights in the future, nor
will such waiver modify this Agreement.
32. Terminating this Agreement. You can terminate this Agreement at any time by notifying us in writing and by no longer
using your account. We can also terminate this Agreement and close your account at any time by giving you notice a
reasonable time before the effective date of such termination and closure. Notwithstanding the foregoing, you agree that we
may close your account without advance notice under certain circumstances such as, for example, we believe in good faith
that your account is being used to facilitate a fraud or other crime. Whether you terminate this Agreement and close your
account or we do, the account closing will not affect your obligations under this Agreement, even if we allow any
transactions to be completed after this agreement has been terminated. You will remain responsible for any fees you incur on
your account and any outstanding items and overlimits.
33. Notices. Any notice we send you will be considered effective when it is deposited into the United States mail to the address
for the account in our records or is otherwise provided to you. If you elect to have statements mailed lo a third-party address,
any notice we send will be considered effective when it is deposited into the United Stales mail to the third-party mailing
address you elected. Unless otherwise provided in this Agreement, notice from you must be in writing and will be effective
upon receipt provided we have a reasonable opportunity to act upon it. If your account is a joint account, we can notify any
one of you and the notice will be effective for all of you. Any one of you may notify us and we will consider it to be notice
from all of you.
34. Applicable Law. Our deposit relationship with you is governed primarily by this Agreement. However, it is also governed by
the laws of The United States of America; the rules and regulations of the Board of Governors of the Federal Reserve System
and various Federal Reserve Banks; and the rules and regulations of other proper bank supervisory authorities and other gov-
ernmental agencies. To the extent state law applies to our deposit relationship, the applicable law is the law of the state where
your account was opened as reflected in our records. If there is any conflict between this Agreement and applicable federal or
state law, this Agreement will be considered changed to the extent necessary to comply with the law. If there is a conflict
between state and federal law, federal law controls. If any provision in this Agreement is declared to be invalid,
unenforceable or illegal, that part will not affect the validity of other provisions.
35. Customer's Waiver of Notice. By signing the Signature Card, or using your account, you waive any notice of non-payment,
dishonor or protest regarding any items credited to or charged against your deposit account. For example, if a check, which
you deposited, is dishonored and returned to us, we are not required to notify you of the dishonor.
36. Information Reported to Consumer Reporting Agencies. We may report you to credit bureaus. Late payments, missed
payments or other defaults to your account may be reflected in your credit report.
37. Force Majeure. You agree we shall have no responsibility or liability to you or any third party for failure or delay in our
performance under this Agreement or for any losses due to causes or conditions including, without limitation, delays and/or
interruptions of business due to any act of God, natural disasters, fire, act of government authority, act of public enemy or
war, riot, civil disturbance, insurrection, labor difficulty, power failure, telecommunications failure, severe adverse weather
condition or other causes beyond our reasonable control. The time, if any, required for such performance under this
Agreement shall be automatically extended during the period of such delay or interruption.
38. Invalidity of Contract Provisions. In the event any one or more of the provisions of this Agreement shall for any reason,
including under any applicable statue or rule of law, be held to be invalid, illegal or unenforceable, the remaining provisions
of this Agreement shall remain in full force and effect.
39. Entire Agreement. This Agreement and the documents to which it refers constitute your and our entire agreement and
understanding and supersede all prior agreements and understandings. This Agreement may not be changed orally.
CUSTOMER IDENTIFICATION PROGRAM (CIP)
It is the policy of GMAC Bank (the "Bank") to comply with all federal regulations in regards to obtaining and verifying customer
identification at account opening or changes in the ownership of an account i.e. adding signers to an account, accepting a power of
attorney, etc.
1) Customer Notification
a) GMAC Bank provides verbal and/or written notification that it is requesting information to verify customers' identities.

11
2) Lack of Verification
a) No account will be opened if the appropriate documents are not provided and/or valid.
WIRE TRANSFER TERMS AND CONDITIONS
If you wish to use our wire transfer service, the following terms and conditions shall govern all transactions for our acceptance and
processing of your payment orders, credits and related requests. If a discrepancy were determined to exist between these Terms and
Conditions and other provisions of this Agreement, then these Terms and Conditions shall control but only to the extent necessary to
address the discrepancy. Unless otherwise defined below, the terms used in this Section II of this Agreement shall have the same
meaning as set forth in Article 4A of the Uniform Commercial Code of the state in which your account or relationship is maintained.
1. Authorization and Security Procedure. We have established operating rules and security procedures for you to initiate and
receive funds transfers to or from your account(s), which rules and procedures include a requirement for you to sign a "Funds
Transfer and Authorization Schedule" which is incorporated by reference and made part of this Agreement. Such Funds
Transfer and Authorization Schedule contain the rules and procedures ("Security Procedures") that you and we will use to
process payment orders initiated by you. Additional call back procedures may be utilized by you as described in the Security
Procedures. You agree that the Security Procedures are commercially reasonable in light of your circumstances and the type,
value and frequency of the payment orders you will request if we receive a payment order (or related request) in accordance
with your Security Procedure, it shall be conclusively deemed authentic and we shall be entitled to rely thereon. You are
responsible for the accuracy of the initial communication of the payment order as well as the accuracy of any documentation
or callback of the payment order made by us. You, for yourself and each of your Authorized Representatives, agree that we,
in our sole discretion, may record any telephone conversation between you or any Authorized Representative and us.
2. Execution of Payment Orders. If we receive a payment order that has been verified according to Security Procedures, you
authorize and direct us to debit your account(s) as listed on the Authorization Schedule and transfer the funds. We are also
authorized to implement any instructions, including amendments or cancellations of prior payment orders, upon verification
of such instructions. We are authorized to rely on any payment order believed by us in good faith to have been given by an
Authorized Representative. We may handle payment orders received from you and other customers in any order selected by
us and, unless otherwise instructed by you, we may use any means, intermediaries or funds transfer systems that may have
operating rules governing the execution of payment orders to affect the transfer as we, in our sole discretion, shall determine.
3. Cut-Off Times. We must receive all payment orders before the cut-off time for funds transfers on a business day established
by us from time to time. Any payment orders or related requests received after such deadlines, or on weekends, holidays for
us or the bank or institution to receive the transfer, or the funds transfer system to be used, will be treated as received on our
next funds transfer business day. We will make reasonable efforts to execute all payment orders received prior to the
deadline.
4. Advice of Funds Transfers. Unless otherwise agreed in writing, we will not provide a next-day wire transfer summary
statement or confirmation. Instead, we will notify you of a receipt or payment by wire transfer in any periodic statement
provided to you. You agree to examine each of your periodic statements promptly upon receipt and to notify us immediately
of any discrepancies between the periodic statement and your records. We shall not be liable for interest compensation unless
we are notified of the discrepancy within thirty (30) days after the date of your statement indicating the debit for the payment
order in question. You agree that your right to assert a claim against us with respect to any transaction reasonably identified
on a statement shall expire one (1) year after the date of the transaction that becomes the basis for such a claim.
5. Limitation of Liability and Indemnification. You expressly agree that we shall be liable to you only for our erroneous
execution of a payment order. We shall not be liable for any errors or delay on the part of any third party including, without
limitation, third parties used by us in executing a payment order or performing a related act and no such third party shall be
deemed to be our agent. We shall not be liable for our refusal to honor any request if we, in good faith, are unable to
determine to our satisfaction that such request is valid, based upon our adherence to the Security Procedures. IN NO EVENT
SHALL WE BE LIABLE FOR SPECIAL, INDIRECT, CONSEQUENTIAL OR PUNITIVE DAMAGES EVEN IF
WE SHALL HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. Except as may be limited by
applicable law, you agree to indemnify us and hold us harmless (including the payment of attorneys' reasonable fees) against
all liability to third parties arising out of or in connection with the terms and conditions of this Agreement and the services
provided hereunder or otherwise pursuant to your instructions.
6. Use of Identifying Numbers. In the event a payment or payment order identifies a beneficiary, beneficiary's bank or
intermediary bank inconsistently by name and an identifying number (such as an account number, S.W.I.F.T. address or
universal identification number), payment may be made by the intermediary or beneficiary bank on the basis of the
identifying number, even if the identifying number identifies a person or entity different from the named person or entity in
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your payment order and your obligation to pay the payment order shall not be excused by your error. We will rely on the
identifying number as proper identification of a beneficiary.
7. Interest Compensation. In the event that we shall be liable to you for interest compensation under this Agreement or by
applicable law, interest shall be calculated on the basis of the average Federal Funds rate for the period involved. You agree
that we may, at our sole option, pay interest compensation as follows: (1) by lump sum payment of cash, or (2) by providing a
credit to your account with us.
8. International Payments. Orders for the transfer of U.S. Dollars shall be paid in U.S. Dollars if transferred to a beneficiary
located in the United States or its protectorates or territories. If transferred to a beneficiary located elsewhere, the
beneficiary's bank may elect to pay the beneficiary in foreign currency at the bank's buying rate of exchange for wire
transfers. It is your responsibility to advise the beneficiary of this possibility. We may send any message relative to this order
in explicit language, code or cipher. Foreign currency transfer orders are final when made to us. However, pursuant to the
request of the originator, and only if possible, we may cancel or amend any order before the transfer is effected. We shall
incur no liability if we are unable, for any reason, to cancel or amend an order. Refunds of U.S. Dollar orders shall be in the
U.S. Dollar amount. Refunds of foreign currency orders shall be in the amount of U.S. Dollars that can be bought for the
foreign currency amount at our then current rate of exchange. The originator bears all risk of loss due to fluctuation in the rate
of exchange. No transfer fee shall be refunded.
PRIVACY OVERVIEW
Privacy At A Glance
When you establish an account relationship at GMAC Bank, you are provided with an initial Privacy Notice. As long as you maintain
this relationship, you will also receive the Privacy Notice annually. The Privacy Notice, documents our privacy practices and your
rights concerning your privacy. Our privacy practices are in accordance with applicable federal and state laws and regulations.
SECURITY OVERVIEW
How You Can Help Protect Your Privacy
• Do not share your account information, passwords or code words with others.
• Never provide confidential information to unknown callers.
• When conducting business over the Internet, always use a secure browser and exit online applications as soon as you finish
using them.
• Protect your account records.
• If you are a victim of fraud or identity theft, please contact us at 866-2GM-Bank to put holds on your accounts. Also, see the
"Identity Theft Assistance."
How We Secure Your Assets and Protect Information About You
• We train our employees to protect customer information.
• We continually enhance our security tools and processes.
• We protect customer data and accounts by asking you for information that only you should know when you contact us. We
follow these procedures in our financial centers, on the phone and via the Internet.
How We Protect Your Privacy Online
Please note that we are committed to providing you with superior service. Occasionally, we may need to contact you to resolve a
problem or to service your accounts. For example, if we observe unusual activity on your debit card, we may contact you to verify
your purchases and confirm that they are authorized.
Protecting customer information online is an essential part of our service to you.
• Our systems use technologies such as firewalls (which protect systems from intrusion) and encryption (scrambling of
information) to protect customer information.
• We validate your identity through confidential access codes before we allow online access to your accounts.
For more information on our Internet Security policy, please visit GMACBank.com

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Identity Theft Assistance
If you believe you may be a victim of identity theft:
1. Contact us at 866-2GM-BANK to place holds on your accounts.
2. Contact the Social Security Administration's Fraud Hotline at 800-269-0271 to report fraudulent use of your identification
information.
3. Report the incident as quickly as possible to each of the credit reporting agencies:
• Experian 888-397-3742
• Equifax 800-525-6285
• Trans Union 800-680-7289
4. File a police report in your local jurisdiction and retain the report number and the name of the officer who took the report.
5. File a complaint with the Federal Trade Commission (FTC) by contacting the FTC's Identity Theft Hotline: 877-IDTHEFT.
How to Limit Direct Marketing from Other Companies
To limit the instances in which credit reporting agencies share your information with companies wishing to offer you pre-approved
credit solicitations, you can call 888-567-8688 (the Credit Reporting Industry Pre-screening Opt Out Number). To limit the marketing
you receive from companies outside of GMAC Bank, you may contact the Direct Marketing Association at the addresses below and
have your name removed from their contact lists. You must include your name, address and telephone number with your request.
DMA Mail Preference Service DMA Telephone Preference Service
PO Box 643 PO Box 1559
Carmel, NY 10512 Carmel, NY 10512
Email Preference Service: dmaconsumers.org/optoutform_emps.shtml
We Strive to Maintain Accurate Information
We strive to maintain complete and accurate information about you and your accounts. If you ever believe that our records contain
inaccurate or incomplete information about you, please let us know immediately. We are committed to resolving any inaccuracies as
quickly as possible.
Credit Reporting Agencies
If you believe we have reported inaccurate information about your account to any credit reporting agency, please let us know in
writing. Be sure to include your complete name, current address, Social Security Number, telephone number, account number, type of
account, specific item of dispute and the reason you believe the information is wrong. Send your notice to:
GMAC Bank
3710 Kennett Pike
Greenville, DE 19807
We will investigate your concern and correct any inaccuracies we find. We will inform you of any actions we take.
If You Have Questions, Contact Us
We welcome the opportunity to answer any questions you may have about this statement or the safeguarding and confidentiality of
your information. Please visit our website at gmacbank.com, visit our branch, or call us at 866-2GM-Bank.
ELECTRONIC FUNDS TRANSFER DISCLOSURE AND
SPECIAL TERMS AND CONDITIONS
You may arrange for direct deposits to be made to, automated payments and checks to be paid from, and funds to be transferred
between your account(s) with us. If your account was established primarily for personal, family, or household purposes, the transfers
are governed by Regulation E and the following special provisions and disclosures apply.
We use the terms "automated credits" or "direct deposits" to indicate deposits made directly to your account by electronic means; the
terms "automated debits", "automated payments," or "automated checks" to indicate payments authorized in writing to be made from
your account(s) by electronic means; and the term "telephone transfers" to indicate movement of funds between your GMAC Bank
authorized accounts by use of a touch-tone telephone and personalized access codes. Your acceptance of direct deposits, authorization
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of automated payments/debits/checks, or telephone transfers to or from your accounts, is your agreement to the terms and conditions
of this Agreement. The applicable terms and conditions set forth in the General Rules Governing Deposit Accounts in the Deposit
Account Agreement section above also apply and are incorporated herein to the extent they are not inconsistent with Regulation E or
the special provisions and disclosures below.
1. Types of Electronic Funds Transfers Available.
a. You may arrange with another party, such as your employer or a government agency, to electronically transfer deposits
directly to your checking account at GMAC Bank on a regular basis.
b. You may authorize another party, such as an insurance company or mortgage company, to have payments transferred
from your checking account at GMAC Bank and sent directly to them on a regular basis.
c. You may also direct funds be transferred from one of your deposit or credit accounts to another account, by use of a
touch-tone telephone and personalized access codes (where available), ATM or CMG Card at an ATM or other
permissible terminal, and by means of the Internet. A funds transfer from a designated credit account (credit card or line
of credit) is treated as a cash advance, and is subject to the terms of the credit agreement, including any applicable
transaction fee or other fee.
d. You may also participate in an automated check transaction with another party, such as a merchant, in which one of your
checks is converted to an automated debit transaction via ACH including but not limited to a Re-presented Check Entry
(RCK), an Accounts Receivable Entry (ARC), a Point-of-Purchase Entry (POP), an Automated Teller Machine Entry
(ATM) or a Point-of-Sale Entry (POS), against your GMAC Bank account.
2. Right to Receive Documentation of Electronic Funds Transfers.
a. Automated Credits. If you have arranged to have direct deposits made to your account at least once every 60 days from
the same company or person, you may call us to find out whether or not the deposit has been made, using the applicable
telephone number listed in the "Bank Contacts" section.
b. Statements. You will receive a monthly account statement which will include all of your automated transactions.
3. Right to Stop Payment of Pre-authorized Transfers and Procedure for Doing So.
If you have told us in advance to make regular automated payments out of your account, you can stop any of these
payments by calling us at the applicable telephone number listed in the "Bank Contacts" section, or by writing to us at the
applicable address listed in the "Bank Contacts" section, in time for us to receive your request three business days or more
before the payment is scheduled to be made. If you call, we may require you to put your request in writing and get it to us
within 14 days after you call.
4. Liability for Failure to Stop Payments of Automated Debits. If you order us to stop any of these automated payments
three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your actual losses or
damages.
5. Notice of Varying Amounts. If regular automated payments may vary in amount, the person you are going to pay will tell
you, 10 days before each payment, when it will be made and how much it will be.
6. Liability for Unauthorized Transfers from Your Account. If your statement record shows transfers that you did not make,
tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money
you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in
time. If a good reason (such as a hospital stay or a long trip) kept you from telling us, we will extend the time period.
7. Unauthorized Transfers from Your Account. If you believe that someone has transferred or may transfer money from your
account without your permission, CALL US IMMEDIATELY at the toll-free number listed in the "Bank Contacts" section.
If you cannot reach us by telephone, write to us at the address listed in the "Bank Contacts" section.
8. Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account(s) on time or in the
correct amount according to our Agreement with you, we will be liable for your actual losses or damages. These are some
exceptions to our liability, such as:
a. If, through no fault of ours, you do not have enough money in your account to make the transfer;
b. If the transfer would exceed the credit limit available for your accounts;
c. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we
have taken;
15
d. Other exceptions stated in our Agreement with you.
9. Business Day. Our business days are Monday through Friday. Weekends and bank holidays are not included.
10. Disclosure of Account Information. We will not disclose information about your account or the transfers you make, except:
a. As necessary to complete transfers;
b. To verify the existence and standing of your account with us at the request of a third party, such as a credit bureau;
c. If you give us your written permission;
d. To comply with government agency or court orders.
11. In Case of Errors or Questions About Your Automated Debits/Credits, or Automated Check Transactions. Telephone
us at the number listed in the "Bank Contacts" section 12 as soon as you can, if you think your statement is wrong or if you
need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we send
you the FIRST statement on which the problem or error appeared, or after we record a passbook entry.
a. Tell us your name and account number.
b. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or
why you need more information.
c. Tell us the date and dollar amount of the suspected error. If you tell us verbally, we may require that you send us your
complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error
promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide
to do this, we will re-credit your account within 10 business days for the amount you think is in error so that you will have the
use of the money for the time it takes us to complete our investigation. If we ask you to put your complaint or question in
writing and we do not receive it within 10 business days, we may not credit your account.
For errors involving new accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 days to investigate
your complaint or question. For new accounts, we may take up to 20 days to credit your account for the amount you think is
in error.
We will tell you the results within three business days after completing our investigation. If we decided that there was no
error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
12. Bank Contacts. If you need to call or write to us about your account, use the following telephone number or address:
866-2GM-Bank (1 -866-246-2265) GMAC Bank
3710 Kennett Pike
Greenville, DE19807
APPENDIX
A. CMG HOME OWNERSHIP ACCELERATOR CARD AGREEMENT AND DISCLOSURE
Your Rights and Responsibilities
The purpose of this disclosure is to make you aware of your rights and responsibilities when using our CMG Card.
You will be issued a CMG Card ("Card(s)") and a Personal Identification Number ("PIN") so that you may access your
Account through the Visa, Star, CIRRUS or Jeanie Automated Teller Machine Network ("ATM Network"). The card may
also be used at any STAR, Cirrus, and Jeanie merchant terminal or anywhere the VISA symbol is displayed to pay for
purchases. You further understand that card usage is subject to applicable rules and regulations of Visa USA Inc. and Visa
International. You agree that by signing, using, or permitting another to use the Card or PIN, that you will be bound by the
following terms and conditions. You will surrender any card(s) and discontinue utilization of your Account immediately upon
request of GMAC Bank. You understand that GMAC Bank will open your card account in the name supplied to it on your
Signature Card. CMG Card Transfer refers to any transfer of funds other than a transaction originated by check, draft, or
similar paper instrument that is initiated through an electronic terminal (GMAC Bank ATM, Cirrus network member ATM or
Visa member ATM) to debit or credit your account. These terms do not include balance inquiries or payments made by
check, draft or similar paper instrument at an electronic terminal. Additionally, the term "CMG Home Ownership Accelerator
Card" ("Card") refers to the card issued to you by the Bank to initiate electronic transfers.

16
Whenever you use the card to pay for merchandise or services, or to obtain a cash advance, you may be required to sign a
transaction draft as evidence of the transaction, which will be forwarded through card processing systems to GMAC Bank for
payment. Your card transaction receipts are only available upon individual request. The card remains the property of GMAC
Bank and may be canceled by GMAC Bank at any time without prior notice.
The card may be used to make purchases of merchandise and services or obtain cash advances), and to obtain cash through
the ATM Network. Upon receipt of any ATM withdrawal, cash advance or POS purchase, finance charges begin to accrue.
For more detailed information about finance charges, please refer to the CMG Home Ownership Accelerator Line of Credit
Agreement and Disclosure Statement you received at closing. You understand that your Authorization Limit is
instantaneously reduced by the amount of all card purchases, cash advances, and ATM cash transactions at the time of such
use of the card.
You understand that certain services associated with the card are provided by Visa USA, its agents or third party providers
over which GMAC Bank has no responsibility or control. You acknowledge and agree that GMAC Bank shall have no
liability for any acts, omissions, claims, costs, losses or damages arising from or relating to your use of the card where such
services are provided by Visa USA, its agents, employees or third party providers.
GMAC Bank may report you to credit bureaus. Late payments, missed payments or other defaults to your account may be
reflected in your credit report.
Some of these transfers may not apply to your account.
Unauthorized Transfers
Liability Disclosure
Tell us AT ONCE if you believe your CMG Card or PIN has been lost or stolen. Telephoning is the best way of minimizing
your possible losses. If you tell us within two (2) business days, you will be liable for no more than $50 if someone used your
Card without your permission.
If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we
could have stopped someone from using your Card without your permission if you had told us, your liability could be as
much as $500.
Also, if your statement shows transfers you did not make, tell us at once. If you do not tell us within 60 days after the
statement was sent to you, you may not get back any money you lost after the 60 days if we can prove that we could have
stopped someone from taking the money if you had told us within the 60-day period. Failure to notify us could result in the
loss of all of the money in your HELOC account. If a good reason, such as a long trip or hospital stay kept you from telling
us, we will extend the time period.
Anything to the contrary notwithstanding with Visa guidelines, GMAC Bank-CMG Card holders are not liable for
unauthorized Visa merchant transactions performed with their CMG Cards if the card is reported lost or stolen within two
days (48 hours) of discovery. After two days, there is a maximum liability of $50.
Address and Telephone Numbers
If you believe your card and/or PIN has been lost or stolen, or that someone has transferred or may transfer money from your
Account without your permission, call or write to us at the telephone number or address listed below.
GMAC Bank
371 OKennett Pike
Wilmington, DE 19807
1-866-2GM-BANK (1-866-246-2265)
Business Days
For purposes of this disclosure, our business days are Monday through Friday. Holidays are not included.
Limitations on Frequency of Electronic Fund Transfers
These limitations apply to total transactions against the CMG Card in a single day, regardless of the number of accounts
accessed by this card. We reserve the right to raise or lower the limits on a customer by customer basis depending on account
history. ATM cash withdrawals are limited to a total of $750.00 per business day. CMG Card purchases are limited to a total
of $ 5,000.00 per business day. Cash Advances are limited to $2,500.00 per business day. There is no daily limit on the
number of ATM deposits, transfers and payments, balance inquiries or POS payments or refunds.
17
Confidentiality
We will disclose information to third parties about your Accounts or the electronic transfers you make:
• When it is necessary for completing such transfers, or
• In order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant,
or
• In order to comply with a government agency or court order, or
• If you give us your written permission.
Right to Documentation
Terminal Transfers
You will get a receipt at the time you make any transfer to or from your account using an ATM terminal. However, this
receipt is not final since each transaction is accepted subject to verification by us. If there is a conflict between the receipt and
our records, our records will control.
Periodic Statements
You will be provided with a monthly account statement.
Financial Institutions Obligations
Liability for Failure to Make Transfers
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with
you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:
• If, through no fault of ours, you do not have enough money in your Account to make the transfer;
• If the ATM where you are making the transfer does not have enough cash;
• If the ATM or POS terminal was not working properly and you knew about the breakdown when you started the
transfer;
• If the transfer would go over the credit limit/available balance on your overdraft line, if applicable;
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we
have taken; or
• There may be other exceptions stated in our agreement with you.
Error Resolution
In case of errors or questions about your electronic transfers, call or write to us at the telephone or address listed below, as
soon as you can if you think your statement is wrong or if you need more information about a transfer listed on the statement.
GMAC Bank
3710 Kennett Pike
Wilmington, DE 19807
1-866-2GM-BANK (1-866-246-2265)
We must hear from you no later than 60 days after we send the FIRST statement on which the problem or error appeared.
1. Tell us your name and Account number
2. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe there is an
error or why you need more information
3. Tell us the date and dollar amount of the suspected error. If you notify us verbally, we may require that you send us your
complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error
promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If
we decide to do this, we will re-credit your account within 10 business days for the amount you think is in error so that you

18
will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint
or question in writing, and we do not receive it within 10 business days, we may not credit your account.
For errors involving new accounts, point of sale or foreign initiated transactions, we may take up to 90 days to investigate
your complaint or question. For new accounts, we may take up to 20 days to credit your account for the amount you think is
in error.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error,
we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
Notice of ATM User Precautions
As with all financial transactions, please exercise discretion when using an automated teller machine (ATM). For your own
safety, be careful. The following suggestions may be helpful
1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM.
2. Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your
ATM receipts. Don't leave them at the ATM because they may contain important account information.
3. Compare your records with the account statements you receive.
4. Don't lend your CMG card to anyone.
5. Remember; do not leave your card at the ATM.
6. If you lose your CMG card or if it is stolen, promptly notify us. You should consult the other disclosures you have
received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
7. Protect the secrecy of your Personal Identification Number (PIN). Don't tell anyone your PIN. Don't write your PIN
where it can be discovered. For example, don't keep a note of your PIN in your wallet or purse.
8. Prevent others from seeing you enter your PIN by using your body to shield their view.
9. Don't accept assistance from anyone you don't know when using an ATM.
10. When you make a transaction, be alert to your surroundings. Look out for suspicious activity near the ATM, particularly
if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider
having someone accompany you when you use the facility, especially after sunset. Defer your transaction if
circumstances cause you to be apprehensive for your safety. You might consider using another ATM.
11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want
to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
12. Close the door of any ATM equipped with a door.
13. Don't display your cash; place withdrawn cash securely upon your person before exiting the ATM. Count the cash later
when you are in the safety of your own car, home, or other secure surrounding.
14. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver's
window. Keep the engine running and remain alert to your surroundings.
15. We want the ATM to be safe and convenient for you. Therefore, please tell us if you know of any problem with a
facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any
suspicious activity or crimes to the operator of the facility and the local law enforcement officials immediately.
Direct complaints concerning ATM security to:
Senior Vice President
Operations
GMAC Bank
3710 Kennett Pike
Wilmington, DE 19807

19
B. SCHEDULE OF FEES AND SERVICE CHARGES
CMG Checking
Monthly Service Charge No Charge
ATM Withdrawals • No charge for withdrawals at a GMAC Bank ATM
• $1.50 per withdrawal in excess of eight (8) per statement cycle made at a non-GMAC Bank ATM, plus
any fee assessed by the ATM owner.

Check Printing Fee Cost for orders vary by check style


Stop Payment Fee $ 15.00
Official Check $ 10.00
Check Copy $ 5.00 per copy of check front and back
NSF Fee $ 20.00 per item
Returned Deposit Items $ 7.50
Domestic Outgoing Wire $ 20.00
International Outgoing Wire $ 45.00
Federal Express Fee $ 7.50
Statement Copies $ 2.00 per page

C. CHECK 21
Substitute Check Policy Disclosure - Substitute Checks and Your Rights
[IMPORTANT INFORMATION ABOUT YOUR CHECKING ACCOUNT]
Substitute Checks and Your Rights
What is a substitute check?
To make check processing faster, federal law permits banks to replace original checks with "substitute checks". These checks are
similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a
substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You
may use a substitute check as proof of payment just like the original check.
Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you
receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account.
However, you have rights under other laws with respect to those transactions.
What are my rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund with losses you suffer if a substitute
check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew
money from your account more than once for the same check). The losses you may attempt to recover under this procedure may
include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example,
bounced check fees).
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever
is less. You are also entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss
exceeds the amount of the substitute check, you may be able to recover additional amounts under other laws.
If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business
days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45
calendar days after we received your claim.
We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was
correctly posted to your account.
How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please
contact us by telephone at 1-866-246-2265, by email at customer-care@GMACbank.com or by writing to GMAC Bank, 3710 Kennett
Pike, Greenville, DE 19807. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a
means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to

20
your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary
circumstances.
Your claim must include:
• A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
• An estimate of the amount of your loss;
• An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
• A copy of the substitute check [and/or] the following information to help us identify the substitute check: the check number,
the payee and the amount of the check.
D. Funds Availability Schedule
NORMAL AVAILABILITY
Item Type/Hold Reason Description GMAC Bank Availability
1. Cash Deposit Next day business day following banking day of deposit** in
person, second day otherwise
2. Electronic Payment Wire Transfer or ACH Credit Transfer. Next day
3. U.S. Treasury Check Next day payable to account holder, second day otherwise
4. U.S. Postal Money Order Next day in person and payable to account holder, second day
otherwise
5. Cashier's, Certified or Teller's Check; Check Drawn on FRB or FHLB Next day in person and payable to account holder or otherwise
local; fifth day otherwise nonlocal.
6. State or Local Government Check Next day in person, payable to account holder, and drawn on bank
located in same state; second day not in person, payable to
account holder and drawn on bank located in same state or
otherwise local; fifth day otherwise nonlocal.
7. On-Us Check A check drawn on GMAC Bank Next day
8. Local Check A check payable at a bank located in Second day
the same check-processing region as
GMAC Bank
9. Non-Local Check Checks that do not qualify as on-us or Fifth day
local.
**"Business day" is any calendar day other than a Saturday, Sunday or
federal legal holiday. "Banking Day" is any business day up to 4:00 pm
ET.
EXCEPTION HOLDS
Item Type/Hold Reason Description GMAC Bank Availability
10. Large Deposit Any deposit of checks (including types Normal Availability plus up to five additional business days for
3 through 9 above) to any and all local, six additional days for nonlocal
accounts of a customer where the
aggregate amount deposited on a
banking day exceeds $5,000. The hold
applies to the amount over $5,000. The
first $5,000 will be made available
according to the Normal Availability
schedule
11. Redeposited Any check (including types 3 through 9 Normal Availability plus up to five additional business days for
above) that has been returned unpaid local, six additional days for nonlocal
unless the reason for return was a
missing endorsement or a postdate and
the reason has been cured.
12. Repeated Overdraft An account is repeatedly "overdrawn" Normal Availability plus up to five additional business days for
if it had a negative balance on six local, six additional days for nonlocal
banking days or a negative balance in
excess of $5,000 or more on two
banking days during the preceding six
months.
13. Reasonable Cause Exception may apply to any check at Normal Availability plus up to five additional business days for
anytime if GMAC Bank knows facts local, six additional days for nonlocal
about the check or maker of the check
that would cause a reasonable person to
21
believe it will not be paid.
14. Emergency Condition Emergency conditions apply generally Normal Availability plus up to five additional business days for
in cases of disaster recovery events that local, six additional days for nonlocal
significantly impact physical and
technical infrastructure.
NEW ACCOUNTS*
Item Type/Hold Reason GMAC Bank Availability
15. Item type 1 and 2 Same as normal availability
16. Item types 3 through 6, first $5,000 Same as normal availability
17. Item types 3 through 6, excess over $5,000 Up to ninth day after date of deposit
18. Item types 7 through 9 Up to seventh day after day of deposit
* Accounts open for 30 days or less, held by customers with no other
deposit relationship that is 30 days or older.

Additional Considerations:
1. Deposits made in person at the Wilmington Branch or ATM after 4:00 pm ET weekdays or on a Saturday, Sunday oi Bank Holiday will be treated as made on the
next business day.
2. Deposits received by GMAC Bank via the U.S. Postal Service, overnight carrier or courier before 8:00 am ET on a business day that we ate open, we will consider
that day to be the day of your deposit. However, it the deposit is received after 8:00 am ET or on a day we are not open, we will consider that the deposit was made
on the next business day we are open.
3. The first $100 from the aggregate of non-next day items deposited by a customer will be made available on the next business day. This rule applies to items 8 and 9
above.
4. For checks cashed by a GMAC Bank customer at the Wilmington branch that are drawn on another bank, the applicable Normal Availability or Exception Hold
policy may be applied to withhold availability of a corresponding amount of funds that are already on deposit in the customer's account.
5. For check deposits made by a GMAC Bank customer drawn on another bank, the applicable Normal Availability or Exception Hold policy may be applied to a
corresponding amount of funds deposited in another account held with GMAC Bank by the customer.
6. Substitute checks would follow the same availability schedule as if they were the original item.

22
IMPORTANT TERMS OF THE CMG HOME OWNERSHIP
ACCELERATOR LINE OF CREDIT
This disclosure contains important information about the Home Ownership Accelerator Line of Credit product offered by CMG
Mortgage, Inc. You should read it carefully and keep a copy for your records.
Availability of Terms. All of the terms disclosed below are subject to change at any time. If the terms disclosed below (other than the
Annual Percentage Rate) change and you have paid any fees in connection with your application, whether to CMG Mortgage, Inc.
(“we,” “us” and “our”) or to anyone else before you have received from us an updated disclosure describing the new terms, you will be
entitled to a refund of those fees if you decide not to enter into an agreement with us because of the change in terms.
Security Interest. We will take a security interest in your home. You could lose your home if you do not meet your obligations in
your agreement with us.
Possible Actions. We can terminate your credit line and require you to pay us the entire outstanding balance in one payment (subject
to any provisions under law which may give you a right to reinstate your loan) if:
• You engage in fraud or material misrepresentation in connection with any aspect of your Accelerator Account, including without
limitation your application for the Accelerator Account and your occupancy of the property securing your Accelerator Account
obligations (“the Property”).
• You do not meet the repayment terms under the plan.
• Your action or inaction adversely affects the Property or our rights in the Property, including without limitation: (i) your failure to
maintain insurance as required under the deed of trust covering the Property; (ii) your transfer of the Property as provided in the
deed of trust; (iii) your failure to maintain the Property or your use of the Property in a destructive manner; (iv) your commission
of waste of the Property, (v) your failure to pay taxes due on the Property or your failure to act such that a lien superior our lien is
filed against the Property; (vi) the Property is taken by condemnation or eminent domain; or (vii) a superior lienholder forecloses
on the Property such that our interest in the Property is adversely affected.
In addition, we may refuse to make additional advances or reduce your credit limit if:
• Government action prevents us from imposing the Annual Percentage Rate provided for under the plan or impairs our security
interest such that the value of the interest is less than 120% of your credit limit.
• A government authority has notified us that continued advances would constitute an unsafe business practice.
• The value of the Property is significantly below its appraised value for purposes of the plan.
• We reasonably believe that you will not be able to meet the repayment requirements of the plan, due to a material change in your
financial circumstances.
• You are in default of a material obligation of the plan, including, without limitation, your obligation to supply us with the credit
and Property information required under the plan.
• The Annual Percentage Rate applicable to your account is equal to the maximum Annual Percentage Rate.
Your agreement will permit us to change the Index and margin we use to determine your interest rate (see the Variable Rate Feature
section, below, for details) if the Index becomes unavailable and we can make other changes if they will be of benefit to you, if they
will not have a significant effect on you or your account or if we obtain your written agreement to the change.
Advances. Subject to your credit limit you can obtain advances for 30 years,1 simply by writing checks against an associated checking
account.
Credit Limit. Your credit limit will be assigned when your account is opened. It will be based upon your creditworthiness, the value
of your home and the amount of credit you have requested. Beginning with your 121st billing period, on the last day of each monthly

1
This 30 year period will also include any partial monthly billing period before your first billing date. For example, if your normal billing date is the 9th day of the
month and your account was opened on April 28, 2005, the “30 year period” would run from April 28, 2005 until May 9, 2035.
{00021994:8} 11/23/05 AZ/CA/NV/OR/WA
cmgterms

62000001 DISCLOSURES
billing period your credit limit will be reduced by an amount equal to 1/240th of the original credit limit. For example, if your initial
credit limit were to be $100,000, at the end of your 121st billing period, your credit limit would be reduced to $99,583.33, at the end of
your 122nd billing period, it would be reduced to $99,166.67, and so forth.
Minimum Monthly Payment Requirements. Your minimum monthly payment will equal the interest and any fees or charges added
to your account during the preceding monthly billing period, plus the amount, if any, by which your outstanding balance at the end of
the billing period exceeds your credit limit on that date. If there is sufficient credit available under your credit limit and you do not
wish to otherwise make your minimum payment, it will be advanced from your account.
If your minimum monthly payment includes only the interest and any fees or charges added to your account during the preceding
monthly billing period, your payment will not reduce the principal that is outstanding on your line. However, beginning with your
121st monthly billing period, your credit limit will be reduced every month, as more fully explained in the Credit Limit section, above.
As a result, once your credit limit drops below your outstanding balance, your minimum payments will begin to include principal
repayments.
Minimum Payment Examples.2 If you pay only the minimum monthly payments and obtain no other advances, it would take 30 years
to pay off an advance of $10,000 against a credit limit of $20,0003 obtained as soon as you open your account, assuming an initial
ANNUAL PERCENTAGE RATE of 6.33% based upon an Index value of 3.0826% and that this value does not change. The first
240 minimum monthly payments would be $52.75.4 The remaining 120 minimum monthly payments would range from $136.09 to a
final payment of $83.78. If you elect to have your monthly payments advanced from your account, the payments that would be
advanced would range from $52.75 for the first month to $101.82 for the 126th month. Then you would have to pay $89.86 for the
127th payment, and the remaining 233 payments would decrease from $185.76 to a final payment of $82.17.

Fees and Charges. To open and maintain a line of credit, you must pay the following fees:

• When you open a line of credit, you must pay the following amounts:
• You may have to pay a loan broker or similar fee equal to 1% of your credit limit plus processing and administrative fees
which will range between $650 and $800 payable to your broker or agent. If you ask, we will give you an estimate of the
processing and administrative fees that you will have to pay. The amounts of these fees might be reduced or eliminated if you
are willing to accept a higher margin (see the Variable Rate Feature section, below, for details).
• You will have to pay a new account fee of $799 if you are a California customer, or $599 if you are an Arizona, Nevada,
Oregon or Washington customer. This fee might be reduced or eliminated if you are willing to accept a higher margin (see
the Variable Rate Feature section, below, for details).
• You will have to pay certain fees to third parties, such as appraisers, title companies and government agencies. These fees
generally total between $1,171 and $4,498. If you ask, we will give you an itemization of the fees we estimate that you will
have to pay to third parties. The amounts of these fees might be reduced or eliminated if you are willing to accept a higher
margin (see the Variable Rate Feature section, below, for details).
• You will have to pay an annual fee of $30, beginning in second year.5
In addition, as long as your account is open, you will have to maintain property insurance and, if required by us, flood insurance on the
real property security for your account obligations.
If you close your account (which, of course, would require that you repay any amounts outstanding on your account) before the end of
the 12th complete billing period, a $350 early termination fee will be payable.
Negative Amortization. Whenever your minimum monthly payment is advanced from your account, your outstanding balance will
increase even if you do not borrow further money from us. This negative amortization will increase the amount you owe us and reduce
your equity in your house.

2
The payments shown in this and all other examples in this disclosure reflect certain assumptions: (i) We have assumed that all months are 30 days long and that there
are 360 days in the year. The amount of your actual minimum payments will depend upon the exact number of days in the monthly billing period and in the year. (ii)
We have not considered the annual fee that will be payable as part of your 13th monthly payment and the payment due every 12 months thereafter.
3
This is a hypothetical credit limit chosen for some of the examples in this disclosure to demonstrate the effect of the monthly reductions of your credit limit that will
begin with your 121st billing period. Your credit limit will be higher than $20,000.
4
Your initial credit limit will actually be higher than the $20,000 limit. As a result, the $52.75 payment level would actually continue for more than 240 months;
however, once your credit limit fell below $10,000, your payments would be higher than the $136.09 to $83.78 range shown for a $20,000 credit limit used to
demonstrate the effect of credit limit reductions in the next sentence.
5
The fee would be charged during the 13th billing period and every 12th billing period thereafter.
{00021994:8} 2 11/23/05 AZ/CA/NV/OR/WA
Tax Deductibility. You should consult a tax advisor regarding the deductibility of interest and charges under the plan.
Variable Rate Feature. Because this plan has a variable-rate feature, the Annual Percentage Rate (which corresponds to the daily
periodic rate and includes only interest and no other costs) and the minimum monthly payment can change.
The Annual Percentage Rate will be based on the 1–Month London Interbank Offered Rate (commonly called the “1–Month LIBOR”
and in this disclosure called the “Index”) as quoted by the Federal National Mortgage Association, commonly known as “Fannie
Mae.” The value of the Index quoted by Fannie Mae on or near the final day of a given calendar month will be used to determine the
Annual Percentage Rate for the billing period that starts during the following month.6
To determine the Annual Percentage Rate that will apply to your account, we will add a margin to the value of the Index. The size of
the margin may depend upon your creditworthiness and the equity of the home that will secure your line of credit, both as determined
by us, upon whether you will be occupying that home as your primary residence and upon market conditions and other factors, which
may include the amount, if any, of loan broker fee you pay for opening your account.
Ask us for the current Index value as well as for the margins, Annual Percentage Rates and maximum Annual Percentage Rates for
accounts now being opened. After you open a credit line, current rate information will be provided on periodic statements that we send
you.
Rate Changes. The Annual Percentage Rate can change each billing cycle. The maximum Annual Percentage Rate that can apply will
be determined when you open your account. It will be 5% above the Annual Percentage Rate in effect when you open your account.
Apart from this rate “cap” there is no annual or other limit on the amount by which the rate can change. Increases or decreases in the
Annual Percentage Rate will result in increases or decreases, respectively, in your minimum monthly payment.
Maximum Rate and Payment Examples.7 If you immediately obtained an advance of $10,000 at a time when the ANNUAL
PERCENTAGE RATE was 6.33% and you obtained no further advances, your initial minimum monthly payment could increase
from your first minimum payment of $52.75 to $94.42 as soon as your second monthly payment if the ANNUAL PERCENTAGE
RATE increased to its cap of 11.33% this quickly. Similarly, assuming the same initial Annual Percentage Rate of 6.33%, if your
credit limit was $10,000 and the ANNUAL PERCENTAGE RATE was still (or again) 6.33% during your 121st billing period, but it
rose to its cap of 11.33% as quickly as the 122nd billing period, your monthly payments would increase from $94.42 billed on your
121st billing statement to $135.68 billed on your 122nd billing statement.8

6
For example, if your billing period begins on August 10th, we would use the rate quoted by Fannie Mae at or near the end of July.
7
These examples are based upon the same assumptions made in the Minimum Payment Examples, above.
8
These payments are higher than for the first 120 billing periods because the credit limit would begin to be reduced each month, starting with the 121st billing period.
{00021994:8} 3 11/23/05 AZ/CA/NV/OR/WA
Historical Example. The following table shows how the Annual Percentage Rate and the minimum monthly payments for a single
$10,000 advance against a credit limit of $20,000 would have changed based on changes in the Index over the past 15 years. The table
assumes that no additional advances were taken and that only the minimum payment was made each month. It does not necessarily
indicate how the Index or your payments will change in the
future. The Minimum Payment If Paid column shows the amount of the minimum monthly payment if it is paid, while the Minimum
Payment If Advanced column shows the effect of having each payment made by automatic advance from the account.

ANNUAL MINIMUM MINIMUM


YEAR INDEX MARGIN9 PERCENTAGE PAYMENT PAYMENT
RATE IF PAID10 IF ADVANCED11
1991 6.0780% 3.25% 9.33% $77.73 $77.73
1992 3.9690% 3.25% 7.22% $60.16 $66.02
1993 3.1410% 3.25% 6.39% $53.26 $63.25
1994 3.9380% 3.25% 7.19% $59.90 $76.56
1995 6.0790% 3.25% 9.33% $77.74 $107.50
1996 5.4540% 3.25% 8.70% $72.53 $110.06
1997 5.7404% 3.25% 8.99% $74.92 $124.24
1998 5.6880% 3.25% 8.94% $74.48 $135.24
1999 4.9020% 3.25% 8.15% $67.93 $134.8812
2000 6.1970% 3.25% 9.45% $78.73 $157.4513
200114 4.4350% 3.25% 7.69% $64.0815 $211.4216
2002 1.8420% 3.25% 5.09% $42.42 $163.96
2003 1.3180% 3.25% 4.57% $38.08 $151.86
2004 1.1007% 3.25% 4.35% $36.25 $144.97
2005 3.0826% 3.25% 6.33% $52.75 $167.77

Borrower JOHN HOMEOWNER Date Borrower MARY HOMEOWNER Date


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

Borrower Date Borrower Date

9
The 3.25% margin is one recently used. Your margin may be different.
10
These payments, which are assumed to have been paid each month, do not include the annual fee payable after the first year.
11
These payments, which are assumed to have been advanced from the account, do not include the annual fee payable after the first year.
12
The second payment this year, when advanced from the account, would cause the assumed $20,000 credit limit to be exceeded by $125.59, and that amount would
have to be paid to stay within the credit limit. The remaining monthly interest payments of $135.87 would also have to be paid in full to stay within the credit limit.
13
These interest payments would have to be paid in full to stay within the credit limit.
14
This is the first year in which the credit limit would have been reduced each month by an amount equal to 1/240th of the original credit limit. Credit limit reductions
will result in the need to make monthly principal payments.
15
These payments, and those for the next nine years, would continue to be interest-only payments. While the credit limit would be reducing by $83.34 per month, the
credit limit would still equal or exceed the constant $10,000 outstanding principal balance until 2011, when $83.34 would have to be added to the monthly interest
payment to cover the monthly credit limit reduction.
{00021994:8}
16 4 11/23/05 AZ/CA/NV/OR/WA
This and all subsequent payments include both interest and principal reductions required because the credit limit is decreasing by $83.34 per month.
CMG MORTGAGE, INC.

NOTICE OF BORROWER'S RIGHT TO APPRAISAL REPORT

If you have applied for a loan to be secured by residential property, you have the right to a copy of the appraisal report prepared in
connection with your application for credit provided that, you have paid or will pay for the appraisal report plus the cost of
duplicating the report. You can request a copy of the appraisal report by writing to us at:

CMG MORTGAGE, INC.


3160 CROW CANYON ROAD, SUITE 240
SAN RAMON, CALIFORNIA 94583

When you contact us, please provide us with your name, the loan number and the property address. We must hear from you no later
than 90 days after you are notified by us about the action taken on your credit application or you withdraw your application.

I/we acknowledge receipt of this notice of borrower's right to a copy of the appraisal report. Please keep this notice with your loan
records.

Borrower JOHN HOMEOWNER Date Borrower MARY HOMEOWNER Date


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

Borrower Date Borrower Date

LOAN #: 62000001

The appraised valuation is arrived at to determine the maximum mortgage the Lender can make.
CMG MORTGAGE, INC. does not warrant the value nor the condition
of the property offered as collateral for the real estate loan. The applicant/borrower should satisfy himself/herself that the price and
condition of the property are acceptable.

mdappr

62000001 NOTICE
Loan No: 62000001 Data ID:
Borrower: JOHN HOMEOWNER Borrower: MARY HOMEOWNER
Borrower: Borrower:

CMG HOME OWNERSHIP ACCELERATOR LINE OF CREDIT


AGREEMENT AND DISCLOSURE STATEMENT
March 4, 2006 SAN RAMON CALIFORNIA
[Date] [Title City] [Title State]

111 TBD
SAN RAMON, CALIFORNIA 94583
[Property Address]

Credit Limit $ 500,000.00 Full Limit Period Until February 29, 2016
Initial Advance $ 490,000.00 Reduced Limit Period Beginning March 1, 2016
Margin 2.000% Limit Reduction Amount $ 2,083.33
Initial Periodic Rate 6.631% Maturity Date March 1, 2036
Initial ANNUAL PERCENTAGE RATE 6.631% Annual Fee $ 30.00
ANNUAL PERCENTAGE RATE Cap 11.631% Early Termination Fee $ 0.00
Account Opening Fees/Charges Payable––Fees marked “FC” are Finance Charges
FC Discount Fee TO CMG $ 612.50
` Appraisal TO DALENE'S COUNTRY APPRAISAL SERVICE $ 20.00
FC ADMIN FEE LENDER TO CMG $ 799.00
FC PROCESSING FEE - BROKER TO CMG MTG, INC. - CORP W/S $ 195.00
FC Settlement or closing fee TO LSI $ 742.96
` Notary fees TO LSI $ 50.00
` Title insurance TO LSI $ 1,130.50
` RECORDING FEE (900) TO LSI $ 85.00

This is the agreement and disclosure statement which will cover your CMG Home Ownership Accelerator Line of Credit
Account. Please read it carefully before you sign below.

1. DEFINITIONS
Unless defined elsewhere in this Agreement, the following capitalized terms have the meanings set forth here:
(A) Accelerator Account means your CMG Home Ownership Accelerator Account with Lender.
(B) Accelerator Account Balance means the total of the unpaid principal outstanding under this Agreement, plus
earned but unpaid Finance Charges and other fees and charges.
(C) Agreement means this document.
(D) Available Credit means the difference at any given time between your Credit Limit and your Accelerator Account
Balance.
(E) Banking Day means a day on which GMAC Bank and Lender are open for conducting substantially all of their
respective business operations. Saturdays and Sundays are not Banking Days even if GMAC Bank and Lender are open for
conducting substantially all of their respective business operations.
(F) Billing Statement means a statement furnished by Lender each monthly billing period that shows, among other
things, Loans, Finance Charges, other charges, payments made, other credits, the previous Accelerator Account Balance, the current

{00019816:26}
AZ/CA/NV/OR/WA 1
cmgheloc

62000001 NOTE
Accelerator Account Balance and the required Minimum Monthly Payment for the Accelerator Account during the following billing
period.
(G) Chart means the chart that appears on the first page of this Agreement.
(H) Checking Account means a checking account (1) established in your name at GMAC Bank and (2) associated with
your Accelerator Account. The fees and charges associated with your Checking Account are shown in your Checking Account
Documents.
(I) Checking Account Documents means the CMG Deposit Agreement and any other documents Lender has
separately provided to you in connection with your Checking Account, including the account agreement and disclosures that pertain to
terms and fees applicable to that Checking Account.
(J) CMG Deposit Agreement means the agreement, entitled the CMG Deposit Agreement with GMAC Bank, a copy
of which has been provided to you with your copy of this Agreement.
(K) Credit Limit means the maximum principal amount that can be outstanding at any one time under this Agreement.
Your Initial Credit Limit is indicated above. Your Credit Limit will be reduced as provided in Section 4 of this Agreement.
(L) Full Limit Period means the period during which your Credit Limit will be as shown in the Chart.
(M) Index means the One-Month London Interbank Offered Rate (“LIBOR”) as quoted by the Federal National
Mortgage Association Fannie Mae, commonly known as “Fannie Mae.” The value of the Index quoted by Fannie Mae on or near the
final day of a given calendar month will be used to determine the Annual Percentage Rate for the billing period that starts during the
following month. For example, if your billing period begins on August 10th, we would use the rate for July of the same year and
quoted by Fannie Mae at or near the end of that July.
(N) Initial Advance means the amount that will be advanced as soon as your Accelerator Account has been opened.
(O) Lender means CMG MORTGAGE, INC.. Lender’s address is 3160 CROW CANYON ROAD, SUITE 240,
SAN RAMON, CALIFORNIA 94583. If this Agreement is transferred to another person or entity who is entitled to receive
payments under this Agreement, the transferee will become the Lender.
(P) Lender’s Privacy Policy means Lender’s privacy policy as separately disclosed to you.
(Q) Loan means the money advanced to you from your Accelerator Account.
(R) Reduced Limit Period means the period that begins on the date shown in the Chart and during which your Credit
Limit will be reduced on a monthly basis, as provided in Section 4.
(S) Security Instrument has the meaning given to that term in Section 10.
(T) You or Your means each Borrower or all Borrowers identified at the top of this Agreement, as the context requires
or expressly states.
2. OPENING YOUR ACCELERATOR ACCOUNT
Your Accelerator Account will be opened when you have signed and delivered in acceptable form all documents considered
necessary by Lender and any applicable rescission period has expired. If more than one person signs this Agreement:
(A) “You” and “your” will apply to each of you and all billing statements may be mailed or delivered to the address
given on the application for this Accelerator Account for the first customer listed at the top of this Agreement unless you later direct
otherwise.
(B) Each of you will have the right to use the Accelerator Account to obtain Loans from it, so long as the Credit Limit is
not exceeded.
(C) Each of you will be jointly and separately obligated to keep all of the promises made in this Agreement and to pay
all amounts owing on your Accelerator Account, whether borrowed by you or the others who sign below and whether a given Loan
was within or beyond the Available Credit at the time.
(D) You agree not to give Lender conflicting instructions regarding your Accelerator Account and Lender may consider
any instruction given by any of you to be binding on all of you.
3. ACCESSING YOUR ACCELERATOR ACCOUNT
The Checking Account associated with your Accelerator Account will serve as the primary vehicle for accessing your
Accelerator Account. You may make deposits to and withdraw or transfer funds from your Checking Account in the manner set forth
in your Checking Account Documents.
If, at the close of business on a Banking Day the balance of your Checking Account has fallen below $0 as a result of
transactions, including debits associated with fees or charges incurred in connection with your Checking Account, Lender will transfer
funds to your Checking Account to bring the balance in your Checking Account back to $0. (Note, however, that no fees will be
imposed against your Checking Account for overdrawing that account during a Banking Day if, at the close of that Banking Day a
transfer from your Accelerator Account is made to cover the overdraft.) You may also access your Accelerator Account by such other
method as is acceptable to Lender.
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AZ/CA/NV/OR/WA 2
Notwithstanding the foregoing, Lender may, or at its option may not, transfer funds to your Checking Account or honor any
other Loan request (a) if you are in default under this Agreement, (b) if this Agreement has been terminated or your Accelerator
Account has been suspended, or (c) as otherwise provided in this Agreement, such as in its Section 4. In this regard, you agree not to
attempt to obtain a Loan from your Accelerator Account if you know that your borrowing privileges have been suspended or
terminated under Section 16 or 17.
4. CREDIT LIMIT
Your Initial Credit Limit is shown in the Chart and, subject to the other terms of this Agreement, this Credit Limit will
remain at that level until the date shown in the Chart for the end of the Full Limit Period. On the date shown in the Chart for the
beginning of the Reduced Limit Period, and again on the last day of each subsequent billing period, your Credit Limit will be reduced
by the Limit Reduction Amount. (For example, if the Credit Limit stated above were $480,000, the Reduced Limit Period begins on
the December 9, 2014 billing date and the Limit Reduction Amount is to be $2,000, your Credit Limit would be reduced to $478,000
on December 9, 2014, to $476,000 on January 9, 2015, to $474,000 on February 9, 2015, and so forth.)
Lender may, but is not obligated to, honor any Loan request if it exceeds your Available Credit. If Lender elects to honor a
Loan request that allows you to exceed your Credit Limit and the Loan request is not related to an advance made to protect the
Property or Lender’s security interest in the Property pursuant to the Security Instrument, the portion of the Loan that is so made will
not be secured by the Property. All payments that are allocated to reduce the principal amount outstanding under this Agreement will
first be applied to reduce or repay such unsecured Loans.
5. FINANCE CHARGES
In addition to the amount of any Loans made to you as to the amount of any Finance Charges or other charges stated in the
Chart, you agree to pay Lender interest on the principal balance component of your Accelerator Account Balance. This Finance
Charge will be added to your Accelerator Account Balance on the final day of each billing period. The principal balance of your
Accelerator Account will be determined by taking the Accelerator Account Balance at the beginning of that day and (a) subtracting
any unpaid Finance Charges and other fees and charges (such as Late Charges and Annual Fees) that are outstanding; (b) subtracting
the portion of any payments or credits received by Lender that day that apply to the repayment of the principal balance; and (c) adding
any Loans made that day. Notwithstanding the previous sentence, any Finance Charges or other fees or charges described in the Chart
and payable before or on the day that your Accelerator Account is opened will be included in the principal balance of your Accelerator
Account unless you pay those amounts on or before the day your Accelerator Account is opened.
The Finance Charge on a Loan begins to accrue immediately from the time Lender makes the Loan to you (including any
Loan made to cover your Minimum Monthly Payment, as discussed in the Payments section of this Agreement). There is no “free ride
period” during which Finance Charges will not accrue.
The finance charge is determined for each day by applying a daily periodic rate (“Daily Periodic Rate”) to the principal
balance component of the Accelerator Account Balance for that day. The Daily Periodic Rate is 1/365th of the Annual Percentage
Rate applicable to that day (1/366th during leap years). The total Finance Charge for each billing period is determined by adding
together the Finance Charges for the actual number of days in the billing period.
The Annual Percentage Rate in effect for your initial billing period and the corresponding daily periodic rate are stated in the
Chart. The Annual Percentage Rate for future billing periods will be determined by Lender by adding the Margin stated in the Chart
to the Index value for the billing period. The corresponding increase or decrease in the Daily Periodic Rate will be determined as
described above. An increase or decrease in the Annual Percentage Rate will result in a corresponding increase or decrease in your
Minimum Monthly Payment.
Regardless of the Index value, the Annual Percentage Rate will never exceed the Annual Percentage Rate Cap stated in the
Chart.
The Annual Percentage Rate discussed in this agreement includes only interest and not other costs.
6. PAYMENTS
You promise to pay Lender any amounts owed under this Agreement, as follows:
(A) Until the Maturity Date
Until the Maturity Date shown in the Chart, no later than the payment date specified in your Billing Statement, you must pay
a Minimum Monthly Payment equal to at least the lesser of (1) the amount of any Finance Charges and other fees and charges that are
reflected on the Billing Statement, plus any overdue payments from previous billing periods, plus any amount necessary to bring your
Accelerator Account Balance down to the Credit Limit applicable to your Accelerator Account on the Billing Statement Date; or (2)
the Accelerator Account Balance.
For your convenience, each Minimum Monthly Payment will be advanced as a Loan from your Accelerator Account unless
(1) you do not have sufficient Available Credit to cover the payment, or (2) after your monthly billing date but before the Minimum

{00019816:26}
AZ/CA/NV/OR/WA 3
Monthly Payment due date your Minimum Monthly Payment is covered by separate payment(s) or transfers to your Accelerator
Account, including automated transfers from your Checking Account as provided in Section 6(B). Of course, you may always pay
more than your Minimum Monthly Payment and/or make more frequent payments.
(B) Transfers of Funds from Checking Account
Whenever at the close of business on a Banking Day the balance in your Checking Account exceeds $0, Lender will transfer
the amount of such excess to your Accelerator Account. Transfers from your Checking Account made between the date of your
Billing Statement and the date your Minimum Monthly Payment is due will be credited toward that Minimum Monthly Payment. Any
excess amounts will be treated as a prepayment.
(C) Prepayment
You may prepay all or any portion of your Accelerator Account Balance at any time without penalty; however, if your
prepayment does not fully repay the entire Accelerator Account Balance, you must continue to make the required Minimum Monthly
Payments.
(D) Final Payment
On the Maturity Date stated in the Chart, you must pay the entire Accelerator Account Balance.
(E) General Payment Terms.
You must make all payments in U.S. dollars at the address shown on your Billing Statement. Your payment will be due on
the date shown in your Billing Statement.
Payments and transfers received by Lender for application to your Accelerator Account will be allocated first to Finance
Charges, then to any outstanding fees and other charges applicable to your Accelerator Account and finally to reduce or fully repay the
principal balance of your Accelerator Account. Notwithstanding the foregoing, if an escrow fund is established pursuant to section 3
of the Security Instrument, any amount due the escrow fund will be taken from any payment before it is allocated in the previous
section.
7. CHECKS MARKED “PAYMENT IN FULL”
Any check you send to Lender in payment of your Accelerator Account and marked “Payment in Full” or with similar
wording shall be sent, together with a letter or other statement indicating the basis of your claim that the payment will pay your
Accelerator Account in full, to GMAC Mortgage Corporation, 6716 Grade Lane, Building #9 Suite 910-C, Louisville, KY 40213
unless, by notice, Lender instructs you to send this payment and correspondence to another location. Any such payment must include
the amount of the early termination charge if one is applicable under Section 19(C). The previous two sentences will not apply if the
amount of the check is equal to the total amount then owing on your Accelerator Account according to Lender’s records and you have
cancelled your Accelerator Account or the Maturity Date has passed.
8. FEES AND CHARGES ASSOCIATED WITH ACCELERATOR ACCOUNT
In addition to any fees and charges directly associated with your Checking Account (see Checking Account Documents), you
agree to pay the following additional fees and charges to the extent not prohibited by applicable law.
(A) Annual Fee
An annual fee in the amount stated in the Chart will be charged to your Accelerator Account Balance each year on the
anniversary date of the Accelerator Account. There will be no annual fee for the first year.
(B) Late Charge
A late charge on any monthly payment not paid after 15 calendar days from the date the payment is due. The amount of the
charge will be the lesser of $20.00 or 5.00 % of the payment of principal and interest; provided, however, that Lender may not charge
this late charge to the extent prohibited by applicable law.
(C) Other Finance Charges
The Other Finance Charges indicated in the Chart.
(D) Other Loan Fees and Charges
The Other Loan Fees and Charges indicated in the Chart, as well as a recording fee that may be payable when the mortgage
or deed of trust is released after your Accelerator Account is fully repaid and closed.
(E) Application, Appraisal and other Fees Applicable to Credit Limit Increases
An application fee, appraisal fee and title insurance charges if you apply for an increase in the Credit Limit for your
Accelerator Account. Lender will advise you of the cost of these fees and charges when you discuss your limit increase with Lender.
(F) Payment of Lender’s Costs and Expenses
If you are in default, all costs and expenses, including without limitation reasonable attorneys’ fees, Lender incurs in
enforcing this agreement, to the extent not prohibited by applicable law.

{00019816:26}
AZ/CA/NV/OR/WA 4
(G) Checking Account Fees
In addition to the foregoing fees and charges directly associated with your Accelerator Account, you agree to pay the
additional fees and charges stated in the CMG Deposit Agreement to the extent not prohibited by applicable law.
9. NOTICES
Unless applicable law requires or you and Lender have agreed to a different method for giving a notice, any notice that must
be given to you under this Agreement will be given by delivering it or mailing it by first class mail to the Property Address above or at
a different address if you give Lender a notice of your different address. Any notice that must be given to Lender under this
Agreement will be given by delivering it or mailing it by first class mail to Lender at the address stated in Section 1(O) above or at a
different address if you are given a notice of that different address.
10. SECURITY
Your Accelerator Account obligations will be secured by a lien taken against the real property (“Property”) located at the
Property Address shown in the Chart and more particularly described in the separate Deed of Trust (“Security Instrument”) dated the
same date as this Agreement. If there is a conflict between the definition of the Property in the Security Instrument and the location of
the Property as stated in the Property Address, the definition in the Security Instrument will control.
The Security Instrument requires you to take certain actions to protect the Property. You could lose the Property and your
home on it if you do not meet the conditions of this Agreement or the Security Instrument. One of the conditions of the Security
Instrument concerns the transfer of the Property, as follows:
“17. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 17, “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 14 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.”
You also agree to obtain and maintain such insurance on the Property as Lender may require, provided Lender is not
permitted to and will not require you to cover the Property with hazard insurance for more than the replacement value of the
improvements thereon; you agree to maintain such insurance in the amounts and for the periods Lender requires. Unless prohibited by
applicable law, the Accelerator Account will be secured as well by proceeds of such insurance. You may obtain such insurance from
the carrier of your choice, subject to Lender’s right to disapprove your choice, which right will not be exercised unreasonably.
If you fail to keep the insurance required under this Section, Lender may obtain such insurance coverage at Lender’s option
and your expense, and Lender may charge you a fee to do so unless otherwise prohibited from doing so by applicable law. Lender is
under no obligation to purchase any particular type or amount of coverage; as such, you, your equity in the Property, or the contents of
the Property may not be protected to the extent you desire. Any amount paid by Lender under this Section 10 will be added as a Loan
under this Agreement and be subject to Finance Charges.
You should be aware that if Lender procures insurance on the Property because you have failed to do so, (a) the insurance
may be more expensive than comparable insurance that you might have been able to obtain had you complied with the requirements of
this Section 10, and (b) Lender may receive a commission, fee or experience refund in connection with the insurance it procures.
11. CREDIT AND PROPERTY INFORMATION
You agree to furnish personal financial information and information about the Property and your occupation of the Property
reasonably requested by Lender from time to time. Such information must be furnished to Lender within a reasonable time but in no
event later than 30 days after Lender’s request. In addition, you authorize Lender, at Lender’s expense, to make credit inquiries, and
you authorize any person to whom Lender makes such inquiries to furnish Lender with the requested information. You also authorize
Lender to release information regarding the status and history of the Accelerator Account to third persons, including without limitation
credit bureaus, merchants, and financial institutions, to the extent permitted by applicable law and consistent with Lender’s Privacy
Policy.

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AZ/CA/NV/OR/WA 5
12. ASSIGNMENT
Lender may assign or transfer this Agreement and the Security Instrument without notice to you. You may not assign or
transfer your rights or obligations under this Agreement without Lender’s written authorization; however, this Agreement is binding
upon your heirs, successors, and legal representatives.
13. TAX DEDUCTIBILITY
You should consult a tax advisor regarding the deductibility of interest and charges under your Accelerator Account.
14. DEFAULT
You will be in default under this Agreement if:
(A) You engage in fraud or material misrepresentation in connection with any aspect of your Accelerator Account,
including without limitation your application for the Accelerator Account and your occupancy of the Property;
(B) You do not meet the repayment terms under this Agreement; or
(C) Your action or inaction adversely affects the collateral for the Accelerator Account (including without limitation the
Property) or Lender’s rights in the collateral under the Security Instrument, including without limitation; (i) your failure to maintain
insurance as required under the Security Instrument; (ii) your transfer of the Property as provided in the Security Instrument; (iii) your
failure to maintain the Property or your use of the Property in a destructive manner; (iv) your commission of waste of the Property, (v)
your failure to pay taxes due on the Property or your failure to act such that a lien superior to Lender’s lien is filed against the
Property; (vi) the death of all of you; (vii) the Property is taken by condemnation or eminent domain; or (viii) a superior lienholder
forecloses on the Property such that Lender’s interest in the Property is adversely affected.
15. REMEDIES FOR DEFAULT
If you are in default, Lender may terminate your Accelerator Account, require you to pay the entire outstanding Accelerator
Account Balance and any collection fees unless otherwise prohibited from doing so by applicable law. Lender at Lender’s option also
may take one or more lesser actions. Such lesser actions may include without limitation reducing your Credit Limit. Lender may take
action under this Section only after complying with any notice or cure provisions required under applicable law. In the event Lender
elects not to terminate your Accelerator Account or take lesser action when you are in default, Lender does not forfeit or waive its
right to do so at a later time or to do so if you are in default again.
16. SUSPENSION OF BORROWING PRIVILEGES OR REDUCTION IN CREDIT LIMIT
In addition to suspending your Accelerator Account for the reasons stated in Section 17 of this agreement, Lender can
suspend your right to borrow under the Accelerator Account or reduce your Credit Limit at any time without notice to you during any
period in which one or more of the following conditions apply:
(A) The value of the Property has declined significantly below the value of the Property at the time your Accelerator
Account was opened.
(B) Lender reasonably believes that you will be unable to fulfill your repayment obligations under this Agreement due to
a material change in your financial circumstances.
(C) You are in default of any material obligation under this Agreement or the Security Instrument; for purposes of this
Agreement a material obligation will include without limitation your obligation to supply Lender with the credit and Property
information required under Section 11 of this Agreement.
(D) Lender is prevented by government action from charging interest at the rate provided in this Agreement.
(E) The priority of Lender’s security interest in the Property is adversely affected by any governmental action and the
value of Lender’s security interest in the Property is less than 120 % of the amount of your Credit Limit.
(F) Lender has been notified by a governmental agency with regulatory authority over Lender that making further
advances on your Accelerator Account would constitute an unsafe and unsound banking practice.
(G) The Annual Percentage Rate reaches the Maximum Annual Percentage Rate.
If Lender suspends your borrowing privileges or reduces your Credit Limit, Lender will notify you in writing of that action
and state the reason for such suspension or reduction. Interest will continue to accrue on your Accelerator Account and payments will
continue to become due as if the suspension of your Accelerator Account or reduction in your Credit Limit had not occurred.
If the condition upon which Lender based its decision to suspend your borrowing privileges or reduce your Credit Limit
ceases to exist before the Maturity Date, Lender will again allow borrowings or increase your Credit Limit to the previously
established level (as it may have been reduced in accordance with Section 4 of this Agreement) unless you have previously canceled
your Accelerator Account or Lender has terminated the Accelerator Account in accordance with the provisions of this Agreement. If
Lender’s notice to you so specifies, and you wish to restore your borrowing privileges or initial Credit Limit, you will be required to
notify Lender when the condition stated by Lender as the reason for suspending your borrowing privileges or reducing your Credit

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AZ/CA/NV/OR/WA 6
Limit has been eliminated and you will have to furnish Lender with whatever information it reasonably requires to confirm that the
condition no longer applies.
17. TERMINATION AND ACCELERATION
Lender may terminate or suspend your Accelerator Account under any of the following conditions:
(A) You fail to make payments as required under this Agreement.
(B) Lender reasonably believes that you have committed fraud or made a material misrepresentation in connection with
the Accelerator Account.
(C) Title to or an interest in the Property is sold or transferred without Lender’s permission.
(D) You fail to maintain insurance on the Property in accordance with this Agreement and the Deed of Trust.
(E) All of you die.
(F) You act or fail to act in a fashion that adversely affects the Property or our security interest in it.
18. EFFECTS OF TERMINATION OR SUSPENSION
If Lender terminates your Accelerator Account for any of these reasons, no further borrowings will be allowed in connection
with the Accelerator Account, and Lender, at its option, can do any of the following:
(A) Make the Accelerator Account balance immediately due and payable.
(B) Permit you to continue to make Minimum Monthly Payments until the Maturity Date.
(C) Offer you different repayment provisions than are contained in this agreement.
If Lender merely suspends your Accelerator Account, Lender will not be obligated to extend any credit to you under this
Agreement unless and until Lender notifies you to the contrary.
19. CANCELLING THE ACCOUNT
You may cancel your Accelerator Account at any time by notifying Lender in writing as provided in Section 9 above.
Cancellation of your Accelerator Account by any of you will cancel the Accelerator Account for all of you. However, Lender may
release any of you from your obligations under this Agreement without releasing the remainder of you from your obligations.
If your Accelerator Account is canceled or terminated for any reason:
(A) You will not be entitled to a refund of or a credit for any initial or annual fees or other charges payable in connection
with your Accelerator Account, unless otherwise required by applicable law.
(B) You must return to Lender any devices you may have to access your Accelerator Account and any further use of
such devices may be considered fraudulent.
(C) If an early termination fee is reflected in the Chart, you agree to pay the stated amount if you fully repay your
Accelerator Account Balance and close your Accelerator Account within one year.
(D) You will remain obligated to repay the Accelerator Account Balance in full, including any money loaned to you
after the Accelerator Account has been canceled or terminated.
20. CHANGING THE TERMS OF THIS AGREEMENT
Lender may not change the terms of this Agreement except under the following circumstances:
(A) Lender may change the Index and Margin if the original Index or any replacement index is no longer available. Any
new Index must have a historical movement similar to the original Index and together with a new Margin must result in an Annual
Percentage Rate substantially similar to the Annual Percentage Rate in effect at the time the original Index or replacement index
became unavailable.
(B) Lender may make changes that you agree to in writing.
(C) Lender may make changes that unequivocally benefit you throughout the remaining term of your Accelerator
Account.
(D) Lender may make changes to insignificant terms of this Agreement.
Unless otherwise prohibited from doing so by applicable law, Lender may refuse to make additional Loans or reduce the
Credit Limit whenever the Maximum Annual Percentage Rate is reached.
21. LOAN CHARGES
If this Agreement is subject to a law that sets maximum Loan charges, and that law is finally interpreted so that the finance
charge or other charges collected or to be collected in connection with the Accelerator Account exceed the permitted limits, then:
(A) Any such charge will be reduced by the amount necessary to reduce the charge to the permitted limit; and
(B) Any sums already collected from you that exceeded permitted limits will be refunded to you. Lender may choose to
make this refund by reducing the principal owed under the Accelerator Account or by making a direct payment to you. If a refund

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AZ/CA/NV/OR/WA 7
reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge. Your acceptance of any such
refund made by direct payment to you will constitute a waiver of any right of action you might have arising out of such overcharge.
22. SEVERABILITY
In the event that any provision or clause of this Agreement or the Security Instrument conflicts with applicable federal, state
or local law, such provision or clause will be considered changed to the extent permissible and necessary to comply with such law.
Otherwise, such conflict will not affect other provisions of this Agreement or the Security Instrument that can be given effect without
the conflicting provision.
23. NOTICE OF CHANGE OF NAME, ADDRESS OR EMPLOYMENT OR OF UNAUTHORIZED ACCOUNT USE
You will immediately notify Lender in writing at the address shown on your monthly statement if your name or home address
changes, if there is any change in the ownership of the Property or in your employment, if there are any errors on your monthly
statement or if an unauthorized person has used or may use your Accelerator Account as the result of the loss or theft of any check,
card or other means of access to your Checking Account or your Accelerator Account, and in the latter events, you will reasonably
assist Lender in determining the facts and circumstances relating to any unauthorized use of your Checking Account or your
Accelerator Account.
24. GOVERNING LAW
This agreement is governed by federal law and the law of the state in which the Property is located, as applicable.
25. YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
Notify Lender In Case Of Questions Or Errors About Your Bill.
If you think your bill is wrong or if you need more information about a transaction on your bill, write Lender on a separate
sheet at the address listed on your bill. Write to Lender as soon as possible. Lender must hear from you no later than 60 days after
Lender sent the first bill on which the error or problem appeared. You can telephone Lender, but doing so will not preserve your
rights.
In your letter, give Lender the following information:
• Your name and Accelerator Account number.
• The dollar amount of the suspected error.
• Describe the error and explain, as clearly as you can, why you believe there is an error. If you need more information, describe
the item you are not sure about.
With regard to the Minimum Monthly Payments that will automatically be taken from your Checking Account, you can stop
the payment on any amount you think is wrong. To stop the payment your letter must reach Lender 3 business days before the
automatic payment is scheduled to occur.
Your Rights And Lender’s Responsibilities After Lender Receives Your Written Notice.
Lender must acknowledge your letter within 30 days, unless Lender has corrected the error by then. Within 90 days, Lender
must either correct the error or explain why Lender believes the bill was correct.
After Lender receives your letter, Lender cannot try to collect any amount you question, or report you as delinquent. Lender
can continue to bill you for the amount you question, including finance charges, and Lender can apply an unpaid amount against your
Credit Limit. You do not have to pay any questioned amount while Lender is investigating, but you are still obligated to pay the parts
of your bill that are not in question.
If Lender finds that Lender made a mistake on your bill, you will not have to pay any finance charges related to any
questioned amount. If Lender didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed
payment on the questioned amount. In either case, Lender will send you a statement of the amount you owe and the date that it is due.
If you fail to pay the amount that Lender thinks you owe, Lender may report you as delinquent. However, if Lender’s
explanation does not satisfy you and you write to Lender within ten days telling Lender that you still refuse to pay, Lender must tell
anyone Lender reports you to that you have a question about your bill. And, Lender must tell you the name of anyone Lender reported
you to. Lender must tell anyone Lender reports you to that the matter has been settled between us when it finally is.
If Lender doesn’t follow these rules, Lender can’t collect the first $50 of the questioned amount, even if your bill was correct.
26. ARBITRATION
EXCEPT AS DETAILED IN THIS SECTION 26, AND UNLESS YOU TELL US IN WRITING WITHIN 15
CALENDAR DAYS THAT YOU DON'T WANT TO BE SUBJECT TO THIS SECTION, ALL CLAIMS (AS DEFINED
BELOW) WILL BE RESOLVED BY BINDING ARBITRATION. YOU AND HOLDER VOLUNTARILY AND
KNOWINGLY WAIVE ANY RIGHT TO LITIGATE THE CLAIM IN COURT, PARTICIPATE AS A REPRESENTATIVE

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AZ/CA/NV/OR/WA 8
OR MEMBER OF ANY CLASS OR CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. YOU
HEREBY WAIVE A TRIAL BY JURY OF ALL CLAIMS THAT ARE SUBJECT TO ARBITRATION.
(A) AGREEMENT TO ARBITRATION CLAIMS.
Any claim, dispute, or controversy (collectively “Claim”) between you and Lender (except those listed below in Section
26(B), including without limitation those arising out of your Accelerator Account, your application, advertisements by Lender,
servicing and collection of the Accelerator Account, any outstanding Accelerator Account Balance, insurance products or services, as
well as any other disclosure or document related to your Accelerator Account and this Agreement will be resolved exclusively by
BINDING ARBITRATION by an arbitrator of the American Arbitration Association (“AAA”) in accordance with: (1) the Federal
Arbitration Act; (2) the Expedited Procedures of the Commercial Rules of the AAA (“Rules”); and (3) this Section 26. The term
“Claim” will be given the broadest possible meaning. The terms of this Section 26 will control any inconsistency between the Rules
and this Section 26. You may obtain a copy of the Rules by writing the AAA at: American Arbitration Association, 335 Madison
Avenue, 10th Floor, New York, NY 10017-4605. An action to compel arbitration may be brought at any time even after (1) a Claim
has been commenced or raised in a court of law or equity, or (2) the Accelerator Account has been paid in full. At your written
request Lender will pay all fees up to $1,000; you and Lender will share the excess cost equally, unless otherwise ordered by the AAA
due to prohibitive costs to you. Unless inconsistent with applicable law, each party will pay its own fees and expenses for attorneys,
experts, and witnesses.
(B) CLAIMS EXCLUDED FROM JURISDICTION.
The following actions will not be subject to arbitration: (1) any judicial or nonjudicial action to obtain possession of or title to
the Property, such as through foreclosure of Lender’s security interest in the Property; or (2) any action for prejudgment injunctive
relief or appointment of receivers. In addition, Lender agrees that Lender will not require you to arbitrate an individual Claim brought
against Lender in small claims court or an equivalent state court, if any; however, if the Claim is transferred or appealed to a different
court, Lender reserves the right to require arbitration under this Section 26.
(C) JUDGMENT AND ADDITIONAL TERMS.
An arbitration award will be final and may be entered as a judgment in any court having jurisdiction; provided, however, if
the amount in controversy exceeds $10,000, either party may appeal the arbitrator’s award to a three-arbitrator panel of the AAA,
which shall reconsider, de novo, any aspect of the initial award. The costs of such appeal will be borne by the appealing party
regardless of the outcome of the appeal. You agree that any arbitration proceeding will consider only your Claims and/or Lender’s
Claims related to your own Accelerator Account. Claims by or on behalf of other borrowers, co-borrowers, co-signers, sureties, or
applicants will not be arbitrated in any proceeding that is considering your Claim.
This Section will survive any termination of your Accelerator Account or the Security Instrument, including; without
limitation repayments of amounts owed on your Accelerator Account and an event of default set forth in Section 14 of this Agreement.
If any portion of this Section 26 is deemed invalid or unenforceable, the remaining portions of this Section 26 of this Agreement, and
your Accelerator Account, will not be invalidated and will remain in effect.
27. STATUTORY NOTICE FOR BORROWERS WHOSE PROPERTY IS LOCATED IN CALIFORNIA
As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to
a credit reporting agency if you fail to fulfill the terms of your credit obligations.
28. ADDITIONAL PROVISION FOR BORROWERS WHOSE PROPERTY IS LOCATED IN NEVADA.
It shall be an event of default hereunder if Borrower, or any other “borrower” (as such term is defined in NRS 106.310) who
may send a notice pursuant to NRS 106.380(1), with respect to this Agreement or the Deed of Trust, (a) delivers, sends by mail or
otherwise gives, or purports to deliver, send by mail or otherwise give, to Lender (i) any notice of an election to terminate the
operation of the Deed of Trust as security for any secured obligation, including, without limitation, any obligation to repay any “future
advance” (as defined in NRS 106.320) of “principal” (as defined in NRS 106.345) or (ii) any other notice pursuant to NRS 106.380(1),
(b) records a statement pursuant to NRS 106.380(3), or (c) causes the Deed of Trust to be subject to NRS 106.380(2), 106.380(3) or
106.400.
29. STATUTORY NOTICE FOR BORROWERS WHOSE PROPERTY IS LOCATED IN OREGON
WARNING: Unless you provide us with evidence of the insurance coverage as required by our contract or loan agreement,
we may purchase insurance at your expense to protect our interest. This insurance may, but need not, also protect your interest. If the
collateral becomes damaged, the coverage we purchase may not pay any claim you make or any claim made against you. You may
later cancel this coverage by providing evidence that you have obtained property coverage elsewhere.
You are responsible for the cost of any insurance purchased by us. The cost of this insurance may be added to your contract
or loan balance. If the cost is added to your contract or loan balance, the interest rate on the underlying contract or loan will apply to

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AZ/CA/NV/OR/WA 9
this added amount. The effective date of coverage may be the date your prior coverage lapsed or the date you failed to provide proof
of coverage.
The coverage we purchase may be considerably more expensive than insurance you can obtain on your own and may not
satisfy any need for property damage coverage or any mandatory liability insurance requirements imposed by applicable law.

NOTICE TO THE BORROWER: Do not sign this loan agreement before you read it. This loan agreement provides
for the payment of a fee for terminating the agreement within one year of the date the Account is opened.

By signing below, you agree to all the above terms and conditions, and you acknowledge that you have received a copy of
this Agreement and the following Notice regarding your billing rights. You also confirm that you received a disclosure of the
Important Terms of the CMG Home Ownership Accelerator Line of Credit, a copy of a booklet entitled, “When Your Home Is On the
Line” and the CMG Deposit Agreement.

Signed JOHN HOMEOWNER Signed MARY HOMEOWNER


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

Signed Signed

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AZ/CA/NV/OR/WA 10
YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
Notify Us In Case Of Questions Or Errors About Your Bill
If you think your bill is wrong or if you need more information about a transaction on your bill, write us on a separate sheet at the
address listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent the first bill on
which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:
• Your name and Account number.
• The dollar amount of the suspected error.
• Describe the error and explain, as clearly as you can, why you believe there is an error. If you need more information,
describe the item you are not sure about.
If you have authorized us to pay your bill automatically from your checking account, you can stop the payment on any amount you
think is wrong. To stop the payment your letter must reach us 3 business days before the automatic payment is scheduled to occur.
Your Rights And Our Responsibilities After We Receive Your Written Notice
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct
the error or explain why we believe the bill was correct.
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill
you for the amount you question, including finance charges, and we can apply an unpaid amount against your credit limit. You do not
have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in
question.
If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we
didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payment on the questioned
amount. In either case, we will send you a statement of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy
you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a
question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that
the matter has been settled between us when it finally is.
If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct.

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AZ/CA/NV/OR/WA 11
Recording Requested By:

CMG MORTGAGE, INC.


3160 CROW CANYON ROAD, SUITE 240
SAN RAMON, CALIFORNIA 94583
Attn.: Shipping Dept/Document Control

And When Recorded Mail To:


CMG MORTGAGE, INC.
3160 CROW CANYON ROAD, SUITE 240
SAN RAMON, CALIFORNIA 94583
Attn.: Shipping Dept/Document Control

[Space Above This Line For Recording Data]

DEED OF TRUST
(Securing Future Advances)
Borrower has established a line of credit (“Line of Credit”) with Lender as evidenced by Borrower’s CMG
Home Ownership Accelerator Line of Credit Agreement and Disclosure Statement dated the same date as this
Security Instrument, and all renewals, extensions, modifications, replacements and substitutions thereof
(collectively, the “Agreement”). Lender has agreed to make advances to Borrower under the terms of the
Agreement. Such advances shall be of a revolving nature and may be made, repaid and remade from time to
time. Borrower and Lender contemplate a series of advances to be secured by this Security Instrument. The
total outstanding principal balance owing at any one time under the Agreement (not including charges and
collection costs which may be owing from time to time) shall not exceed Five Hundred Thousand And 00/100
United States Dollars ($500,000.00) plus interest thereon (the “Credit Limit”). That sum is referred to in the
Agreement as the Credit Limit. The entire indebtedness under the Agreement, if not paid earlier, is due and
payable on March 1, 2036 or on such later date as may be permitted by Lender in writing, or at such earlier date
in the event such indebtedness is accelerated in accordance with the terms of the Agreement and/or this Security
Instrument.

DEFINITIONS

(A) Words used in multiple sections of this Security Instrument are defined below and other words are
defined in Sections 3, 10, 12, 17, 19, and 20. Certain rules regarding the usage of words used in this Security
Instrument are also provided in Section 15.
(B) “Security Instrument” means this Deed of Trust, which is dated March 4, 2006, together with all
Riders to this document.
(C) “Borrower” is JOHN HOMEOWNER AND MARY HOMEOWNER, HUSBAND AND WIFE
AS JOINT TENANTS,. Borrower is the trustor under this Security Instrument.
(D) “Lender” is CMG MORTGAGE, INC., a corporation organized and existing under the laws of the
State of CALIFORNIA. Lender’s address is 3160 CROW CANYON ROAD, SUITE 240, SAN RAMON,
CALIFORNIA 94583.
(E) “Beneficiary” is Lender.
(F) “Trustee” is LSI.

Loan No: 62000001

California Line of Credit Deed of Trust


00022136:1} Page 1 of 14
cmgcahe

62000001 DEED
(G) “Agreement” means the CMG Home Ownership Accelerator Line of Credit Agreement and Disclosure
Statement signed by Borrower and dated March 4, 2006. The Agreement states Lender has agreed to make
advances to Borrower under the terms of the Agreement, such advances to be of a revolving nature. The total
outstanding principal balance owing at any one time under the Agreement (not including charges and collection
costs which may be owing from time to time under the Agreement) not to exceed the Credit Limit of Five
Hundred Thousand And 00/100 United States Dollars ($500,000.00) plus interest. Borrower has promised to
pay the total outstanding balance in Periodic Payments and to pay the entire debt in full not later than March 1,
2036.
(H) “Property” means the property that is described below under the heading “Transfer of Rights in the
Property.”
(I) “Account” means the debt evidenced by the Agreement, plus interest, any other charges due under the
Agreement, and all sums due under this Security Instrument, plus interest.
(J) “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]:

[ ] Condominium Rider [ ] Other(s) [specify]


[ ] Planned Unit Development Rider

(K) “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.
(L) “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.
(M) “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.
(N) “Escrow Items” means those items that are described in Section 3.
(O) “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.
(P) “Mortgage Insurance” means insurance protecting Lender against the nonpayment of, or default on,
the Agreement and the Account.
(Q) “Periodic Payment” means the amount due from Borrower to Lender each month for (i) principal
and/or interest under the Agreement, and all late charges and other charges provided herein or authorized by the
Agreement, plus (ii) any amounts under Section 3 of this Security Instrument.
(R) “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 the escrow account requirements and restrictions that are imposed in
regard to a “federally related mortgage loan” even if the Agreement and the Account do not qualify as a
“federally related mortgage loan” under RESPA.
(S) “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 Agreement and/or this Security Instrument.

Loan No: 62000001

California Line of Credit Deed of Trust


00022136:1} Page 2 of 14
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures to Lender: (a) the prompt repayment of the Account evidenced by the
Agreement, and all renewals, extensions and modifications of the Agreement, with interest thereon at the rate
provided in the Agreement; (b) the payment of all other sums due under the Agreement, with interest thereon at
the rate provided in the Agreement, (i) advanced to protect the security of this Security Instrument, (ii) incurred
by Lender in connection with the enforcement of its rights under this Security Instrument and/or the Agreement,
and/or (iii) required to be paid as set forth herein or in the Agreement; and (c) the performance of Borrower’s
covenants and agreements under this Security Instrument, the Agreement and any prior mortgage or deed of
trust.

For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the
following described real property located in the city of SAN RAMON, county of CONTRA COSTA, State of
California, as more particularly described in Exhibit “A” attached hereto and made a part hereof, which property
has the street address of 111 TBD, SAN RAMON, CALIFORNIA 94583 (“Property Address”), 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 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 and Other Charges. Borrower shall pay when due the
principal of, and interest on, the debt evidenced by the Agreement and if allowable under Applicable Law, any
prepayment charges, late charges and other charges due under the Agreement. Payments due under the
Agreement 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 Agreement or this Security Instrument is returned to Lender
unpaid, Lender may require that any or all subsequent payments due under the Agreement 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.
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) amounts due
under this Security Instrument to secure the amounts advanced under the Account to protect Lender’s security;
(b) any escrow payments under Section 3 of this Security Instrument, if Lender requires such payments; (c) any
late charges; (d) any other fees and charges other than finance charges; (e) accrued and unpaid finance charges
due under the Agreement; and (f) any unpaid principal balance due under the Agreement.
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.
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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 Agreement.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the
Agreement shall not extend or postpone the due date, or change the amount of the Periodic Payments.
3. Funds for Escrow Items. Borrower shall not pay to Lender, unless required by Lender and
subject to Applicable Law, on the days Periodic Payments are due under the Agreement, until the Account 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 Agreement, 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 not pay Lender the Funds for Escrow Items unless
Lender requires Borrower to pay the Funds for any or all Escrow Items. Lender may waive Borrower’s
obligation to pay to Lender the 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 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 to mean the amount by which a current escrow balance falls short of the target balance at
the time of escrow analysis, 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 to mean the
amount of the negative balance in the escrow account, Lender shall notify Borrower as required by RESPA, and
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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. Borrower shall not be obligated to make such payments of Funds to
Lender to the extent that Borrower makes such payments to the holder of a prior mortgage or deed of trust if
such holder is an institutional lender. If under Section 21 the Property is sold or the Property is otherwise
acquired by Lender, Lender shall apply no later than immediately prior to the sale of the Property or its
acquisition by Lender, any Funds held by Lender at the time of application as a credit against the sums secured
by this Security Instrument.
4. Charges; Liens. Borrower shall perform all of Borrower’s obligations under any mortgage,
deed of trust, or other security agreement with a lien which has priority over this Security Instrument. Borrower
shall pay when due, 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 other than a lien disclosed to Lender in Borrower’s
application or in any title report Lender obtained 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.
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 the Agreement, the Account and this Security Instrument, if allowed
under Applicable Law.
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
Agreement. 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 the Agreement, the Account and this Security Instrument, 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 be added to the unpaid balance of the
Account and interest shall accrue at the rate set forth in the Agreement, from the time it was added to the unpaid
balance until it is paid in full.

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Subject to Applicable Law, 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 Agreement, up to the amount of the outstanding Account 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 Agreement and
the Account, up to the amount of the outstanding Account 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,
and subject to the rights of any holder of a mortgage, deed of trust, or other security agreement with a lien which
has priority over this Security Instrument, 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 the 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. Subject to the rights of
any holder of a mortgage, deed of trust, or other security agreement with a lien which has priority over this
Security Instrument, 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 Lender believes that Borrower has abandoned 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 21 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 Agreement, the Account 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. Subject to the rights of any holder of a mortgage, deed of trust, or other security agreement with a lien
which has priority over this Security Instrument, Lender may use the insurance proceeds either to repair or
restore the Property or to pay amounts unpaid under the Agreement, the Account or this Security Instrument,
whether or not then due.
6. 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. If the Property is damaged, 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.
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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.
7. Borrower’s Credit Application. Borrower shall be in default if, during the credit 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 Agreement, the Account and this Security
Instrument. Material representations include, but are not limited to, representations concerning Borrower’s
occupancy of the Property as Borrower’s principal residence.
8. 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 has or may attain priority over this Security Instrument or to enforce
laws or regulations), or (c) Lender believes that 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 or may attain priority over this Security Instrument; (b) appearing in court; and (c) paying
reasonable attorney’s 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 8, 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 8.
Any amounts disbursed by Lender under this Section 8 shall become additional debt of Borrower
secured by this Security Instrument if allowed under Applicable Law. These amounts shall bear interest at the
rate set forth in the Agreement 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.
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.
9. Mortgage Insurance. Mortgage Insurance reimburses Lender (or any entity that purchases
the Agreement and the Account) for certain losses it may incur if Borrower does not repay the Account as
agreed. Borrower is not a party to the Mortgage Insurance.
If Lender required Mortgage Insurance as a condition of entering into the Agreement and establishing
the Account, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect.
10. Assignment of Miscellaneous Proceeds; Forfeiture. The Miscellaneous Proceeds of any
award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the
Property, or any part thereof, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to
Lender, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has
priority over this Security Instrument.
If the Property is damaged and if the restoration or repair is economically feasible and Lender’s security
is not lessened, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property. 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,
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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.
If Lender believes that 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, then 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 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 18, 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.
11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for
payment or modification of amortization, if applicable, 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, if applicable, 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.
12. Joint and Several Liability; Co-signers; Successors and Assigns Bound. When Borrower
(as that term is defined above) includes more than one person, 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 Agreement (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 Agreement without the co-signer’s consent.
Subject to the provisions of Section 17, 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 19) and benefit the successors
and assigns of Lender.

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13. Account 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, as allowed under Applicable Law, 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 shall have the authority to impose additional fees and charges to perform services requested by or on
behalf of Borrower, or to otherwise administer and service the Agreement and the Account. The additional fees
and charges may include administrative costs incurred by Lender and/or in reimbursement of payments made by
Lender to third parties. Such fees and charges may include, without limitation, any and all costs or fees
associated with the origination and/or servicing of such Agreement and the Account, document copy or
preparation fees, transmittal, facsimile or delivery fees, reconveyance and release fees, property inspections and
returned check or insufficient funds charged in connection with payments made by or on behalf of Borrower
under the Agreement and all other such fees for ancillary services performed by Lender for Borrower or at
Borrower’s request or for services necessitated by or resulting from Borrower’s default or malfeasance relating
to this Security Instrument or the Agreement or incurred by Lender or assessed upon Borrower pursuant to the
provisions of this Security Instrument or the Agreement. Such fees and charges shall be secured by this Security
Instrument up to the amount of the Credit Limit and, unless Borrower and Lender agree to other terms of
payment, shall bear interest from the date assessed by Lender at the rate stated in the Agreement, and in effect
from time to time, and shall be payable, with interest, immediately following written demand from Lender to
Borrower requesting payment thereof. Lender may not charge fees that are expressly prohibited by this Security
Instrument or by Applicable Law. 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.
If either the Agreement or the Account is subject to a law which sets maximum loan charges, and that
law is finally interpreted so that the interest or other charges collected or to be collected in connection with the
Agreement and the Account exceed the permitted limits, then: (a) any such 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 Agreement or by making a direct payment to Borrower, which Lender
may accomplish by reducing the principal owed under the Agreement 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 Agreement). Borrower’s
acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of
action Borrower may have arising out of such overcharge.
14. 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 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.
15. 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
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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 Agreement conflicts with Applicable Law, such conflict
shall not affect other provisions of this Security Instrument or the Agreement 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.
16. Borrower’s Copy. Borrower shall be given one copy of the Agreement and of this Security
Instrument.
17. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 17,
“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 14 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.
18. 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 Agreement 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, as allowed under Applicable Law; 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 17.
19. Sale of the Agreement and the Account; Change of Loan Servicer; Notice of Grievance.
The Agreement and the Account, or a partial interest in the Agreement and the Account (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 Agreement
and this Security Instrument and performs other mortgage loan servicing obligations under the Agreement, this
Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer
unrelated to a sale of the Agreement and the Account. If there is a change of the Loan Servicer, if required under
Applicable Law, 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
Loan No: 62000001

California Line of Credit Deed of Trust


00022136:1} Page 10 of 14
requires in connection with a notice of transfer of servicing. If the Agreement and the Account are sold and
thereafter the Agreement and the Account are serviced by a Loan Servicer other than the purchaser of the
Agreement and the Account, 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 purchaser of the Agreement
and the Account unless otherwise provided by the 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 14) 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 Section 19. The notice of acceleration and opportunity to cure given to Borrower pursuant to
Section 21 and the notice of acceleration given to Borrower pursuant to Section 17 shall be deemed to satisfy the
notice and opportunity to take corrective action provisions of this Section 19.
20. Hazardous Substances. As used in this Section 20: (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) “Environmental 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:

21. Events of Default; Acceleration; Remedies. The occurrence of any one or more of the
following events shall, at the election of Lender, constitute an “Event of Default,” and shall entitle Lender
to terminate the Agreement and the Account and accelerate the indebtedness secured hereby: (a) any
Borrower engages in fraud or material misrepresentation, whether by action or omission, in connection
with any phase of the Agreement; (b) Borrower fails to meet the repayment terms set forth in the
Loan No: 62000001

California Line of Credit Deed of Trust


00022136:1} Page 11 of 14
Agreement; or (c) Borrower’s action or inaction adversely affects the Property or Lender’s security
interest, including, but not limited to, Borrower’s actions or omissions that constitute “Events of Default”
under the Agreement, or Borrower’s failure to perform any material covenants or agreements contained
in this Security Instrument.
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 17 unless
Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action 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 21,
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.
22. Reconveyance. Upon request from Borrower and 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 and agreements 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.
23. 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.

Loan No: 62000001

California Line of Credit Deed of Trust


00022136:1} Page 12 of 14
24. 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.
25. Obligation to Advance. Lender’s obligation to advance funds to Borrower upon and subject
to the terms stated in the Agreement after receipt of a Credit Line Check or other request for an advance made in
accordance with the Agreement shall be obligatory.
26. Request for Notice of Default and Sale. In accordance with Section 2924b, Civil Code,
request is hereby made that a copy of any notice of default and a copy of any notice of sale under the deed of
trust (or mortgage) recorded on ______________________ in Book _______________________ at page
_______________________ or as instrument no. ____________________ of the records of CONTRA COSTA
County, California, executed by JOHN HOMEOWNER AND MARY HOMEOWNER, HUSBAND AND
WIFE AS JOINT TENANTS, in which
__________________________________________________________, is named as beneficiary (or mortgagee)
and ___________________________________________________________ as trustee be mailed to Lender at
Lender’s address shown above.

Loan No: 62000001

California Line of Credit Deed of Trust


00022136:1} Page 13 of 14
REQUEST FOR NOTICE OF DEFAULT
AND FORECLOSURE UNDER SUPERIOR
MORTGAGES OR DEEDS OF TRUST

Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a
lien which has priority over this Security Instrument to give notice to Lender, at Lender’s address set forth on
page two of this Security Instrument, of any default under the superior encumbrance and of any sale or other
foreclosure action.

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.

Borrower JOHN HOMEOWNER Borrower MARY HOMEOWNER


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

Borrower Borrower

[Space Below For Acknowledgement]


State of California
County of } ss.
On ___________________________ before me, ____________________________________________
personally appeared JOHN HOMEOWNER and MARY HOMEOWNER personally known to me (or 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.

WITNESS my hand and official seal.

(Seal)

Loan No: 62000001

California Line of Credit Deed of Trust


00022136:1} Page 14 of 14
Customer Identification
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.

Please advise your customer: When they open an account with any financial institution, they will be asked for their name, address, date of birth, and
other information that will allow the financial institution to identify them. The financial institution may also ask to see their driver’s license or other
identifying documents. Your customer’s information will be protected by our Privacy Policy and federal law.

JOHN HOMEOWNER 111 TBD


Borrower’s Name Residential Street Address [For customers who do not have a
residential street address, an AFO/FPO (military) or Next of
62000001 Kin/Contact Individual address is acceptable.]
Loan Number
SAN RAMON, CALIFORNIA 94583
January 1, 1950
Date of Birth

300-40-5000
Taxpayer identification Number (SSN/TIN)*

*For persons without a SSN/TIN, the ID number must be from one of the following: passport, alien ID card, or any other government issued
document evidencing nationality or residence and bearing a photograph or similar safeguard.

At least two forms of identification must be reviewed and documented. For applications taken in person, at least one “Primary” form of ID
must be used. For all applications, any combination of Primary and Secondary IDs may be used. Complete a separate form for each
Borrower.

IMPORTANT - Information listed below must be exactly as indicated on the document.

Primary Forms of identification-must display Borrower’s name


Document Country/State of ID Number Date of Birth Expiration
Origin Date
[ ] State Issued Driver License
[ ] State Issued ID Card
[ ] Military ID Card
[ ] Passport
[ ] US Alien Registration Card
[ ] Canadian Driver License

Secondary Forms of identification-must display Borrower’s name


Document Name of Issuer on ID Number Issuance Expiration Date
Form Date
[ ] Social Security Card U.S. Govt.
[ ] Government Issued Visa
[ ] Birth Certificate
[ ] Non-US/Canadian Driver License
[ ] Most Recent Signed Tax Returns1 [ ] Fed [ ] State TIN:
[ ] Property Tax Bill APN:
[ ] Voter Registration Card
[ ] Organizational Membership Card
[ ] Bank/Investment/Loan Statements1
[ ] Paycheck stub with name1
[ ] Most Recent W-21
[ ] Home/car/renter insurance papers
[ ] Recent utility bill

1
Do not verify identity with documents that illustrate income and/or assets, if the documentation type precludes collection of such
documentation.

Comments:

I certify that I have personally viewed and accurately recorded the information from the documents identified above, and have reasonably confirmed
the identity of the applicant.

Signed Date

Printed Name

8/29/03
inmc5013

62000001 OTHER
Customer Identification
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.

Please advise your customer: When they open an account with any financial institution, they will be asked for their name, address, date of birth, and
other information that will allow the financial institution to identify them. The financial institution may also ask to see their driver’s license or other
identifying documents. Your customer’s information will be protected by our Privacy Policy and federal law.

MARY HOMEOWNER 111 TBD


Borrower’s Name Residential Street Address [For customers who do not have a
residential street address, an AFO/FPO (military) or Next of
62000001 Kin/Contact Individual address is acceptable.]
Loan Number
SAN RAMON, CALIFORNIA 94583
February 2, 1950
Date of Birth

500-22-2000
Taxpayer identification Number (SSN/TIN)*

*For persons without a SSN/TIN, the ID number must be from one of the following: passport, alien ID card, or any other government issued
document evidencing nationality or residence and bearing a photograph or similar safeguard.

At least two forms of identification must be reviewed and documented. For applications taken in person, at least one “Primary” form of ID
must be used. For all applications, any combination of Primary and Secondary IDs may be used. Complete a separate form for each
Borrower.

IMPORTANT - Information listed below must be exactly as indicated on the document.

Primary Forms of identification-must display Borrower’s name


Document Country/State of ID Number Date of Birth Expiration
Origin Date
[ ] State Issued Driver License
[ ] State Issued ID Card
[ ] Military ID Card
[ ] Passport
[ ] US Alien Registration Card
[ ] Canadian Driver License

Secondary Forms of identification-must display Borrower’s name


Document Name of Issuer on ID Number Issuance Expiration Date
Form Date
[ ] Social Security Card U.S. Govt.
[ ] Government Issued Visa
[ ] Birth Certificate
[ ] Non-US/Canadian Driver License
[ ] Most Recent Signed Tax Returns1 [ ] Fed [ ] State TIN:
[ ] Property Tax Bill APN:
[ ] Voter Registration Card
[ ] Organizational Membership Card
[ ] Bank/Investment/Loan Statements1
[ ] Paycheck stub with name1
[ ] Most Recent W-21
[ ] Home/car/renter insurance papers
[ ] Recent utility bill

1
Do not verify identity with documents that illustrate income and/or assets, if the documentation type precludes collection of such
documentation.

Comments:

I certify that I have personally viewed and accurately recorded the information from the documents identified above, and have reasonably confirmed
the identity of the applicant.

Signed Date

Printed Name

8/29/03
inmc5013

62000001 OTHER
Request for Transcript of Tax Return
Form 4506-T ¾ Do not sign this form unless all applicable parts have been completed.
Read the instructions on page 2. OMB No. 1545-1872
(Rev. October 2005) _
Department of the Treasury ¾ Request may be rejected if the form is incomplete, illegible, or any required part was
Internal Revenue Service blank at the time of signature.
TIP: Use new Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can also call 1-800-829-1040 to order a
transcript. 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 first. 1b First social security number on tax return or
employer identification number (see instructions)

JOHN HOMEOWNER 300-40-5000


2a If a joint return, enter spouse’s name shown on tax return 2b Second social security number if joint tax return

3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code

111 TBD, SAN RAMON, CALIFORNIA 94583


4 Previous address shown on the last return filed if different from line 3

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. The
IRS has no control over what the third party does with the tax information.

CAUTION: If a third party requires you to complete Form 4506-T, do not sign Form 4506-T if lines 6 and 9 are blank.
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. 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 the financial 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 20 business days. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . [ ]
c Record of Account, which is a combination of line item information and later adjustments to the account. Available for current year and 3 prior tax years
Most requests will be processed within 20 business days. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . [ ]
7 Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. 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 2003, filed in 2004, will
not be available from the IRS until 2005. 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.

12/31/2005 12/31/2004
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.
Telephone number of taxpayer on line 1a
or 2a
( )
¾ Signature (see instructions) Date
Sign
Here ¾ Title (if line 1a above is a corporation, partnership, estate, or trust)

¾
Spouse’s signature Date
For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 37667N Form 4506-T (Rev. 10-2005)

62000001 IRS4506T
Form 4506-T (Rev. 10-2005) Page 2

Chart for all other transcripts Partnerships. Generally, Form 4506-T can be
General Instructions signed by any person who was a member of the
Purpose of form. Use Form 4506-T to request If you lived in or Mail or fax to the
your business was Internal Revenue partnership during any part of the tax period
tax return information. You can also designate a requested on line 9.
third party to receive the information. See line 5. in:: Service at:
Alabama, Alaska,
All others. See section 6103(e) if the taxpayer
Tip. Use Form 4506, Request for Copy of Tax has died, is insolvent, is a dissolved corporation,
Return, to request copies of tax returns. Arizona, Arkansas,
California, Colorado, or if a trustee, guardian, executor, receiver, or
Where to file. Mail or fax Form 4506-T to the administrator is acting for the taxpayer.
address below for the state you lived in when that Florida, Georgia,
Hawaii, Idaho, Iowa, Documentation. For entities other than
return was filed. There are two address charts: individuals, you must attach the authorization
Kansas, Louisiana, RAIVS Team
one for individual transcripts (Form 1040 series Minnesota, Mail Stop 6734 document. For example, this could be the letter
and Form W-2) and one for all other transcripts. Mississippi, Missouri, Ogden, UT 84409 from the principal officer authorizing an
Note: If you are requesting more than one Montana, Nebraska, employee of the corporation or the Letters
transcript or other product and the chart below Nevada, New Mexico, Testamentary authorizing an individual to act for
shows two different service centers, mail your North Dakota, an estate.
request to the service center based on the address Oklahoma, Oregon,
of your most recent return. South Dakota, Privacy Act and Paperwork Reduction Act
Tennessee, Texas, Notice. We ask for the information on this form
Chart for individual transcripts Utah, Washington, to establish your right to gain access to the
(Form 1040 series and Form W- Wyoming 801-620-6922 requested tax information under the Internal
Connecticut, Revenue Code. We need this information to
2) properly identify the tax information and respond
Delaware, District of
If you filed an Mail or fax to the
Columbia, Illinois, to your request. Sections 6103 and 6109 require
individual return Internal Revenue
Indiana, Kentucky, you to provide this information, including your
and lived in: Service at: Maine, Maryland, RAIVS Team SSN or EIN. If you do not provide this
District of Columbia, RAIVS Team Massachusetts, P.O. Box 145500 information, we may not be able to process your
Maine, Maryland, 310 Lowell St. Michigan, New Stop 2800F request. Providing false or fraudulent information
Massachusetts, Stop 679 Hampshire, New Cincinnati, OH 45250
New Hampshire, Andover, MA 01810 may subject you to penalties.
Jersey, New York, Routine uses of this information include
New York, Vermont North Carolina, Ohio,
978-247-9255 giving it to the Department of Justice for civil and
Pennsylvania, Rhode criminal litigation, and cities, states, and the
Alabama, Delaware, RAIVS Team Island, South
Florida, Georgia, 4800 Buford Hwy. District of Columbia for use in administering
Carolina, Vermont,
North Carolina, Stop 91 Virginia, West
their tax laws. We may also disclose this
Rhode Island Chamblee, GA 30341 Virginia, Wisconsin 859-669-3592 information to other countries under a tax treaty,
South Carolina, to federal and state agencies to enforce federal
Virginia, 678-530-5326 Line 1b. Enter your employer identification nontax criminal laws, or to federal law
Arkansas, Kansas, RAIVS Team number (EIN) if your request relates to a business enforcement and intelligence agencies to combat
Kentucky, Louisiana, 3651 South terrorism.
return. Otherwise, enter the first social security
Mississippi, Interregional Hwy. You are not required to provide the
Oklahoma, Stop 6716
number (SSN) shown on the return. For
example, if you are requesting Form 1040 that information requested on a form that is subject to
Tennessee, Texas, Austin, TX 78741 the Paperwork Reduction Act unless the form
West Virginia includes Schedule C (Form 1040), enter your
SSN. displays a valid OMB control number. Books or
512-460-2272 records relating to a form or its instructions must
Alaska, Arizona, RAIVS Team Line 6. Enter only one tax form number per
request. be retained as long as their contents may become
California, Colorado, Stop 38101
Signature and date. Form 4506-T must be material in the administration of any Internal
Hawaii, Idaho, Fresno, CA 93888
Montana, Nebraska, signed and dated by the taxpayer listed on line 1a Revenue law. Generally, tax returns and return
Nevada, New Mexico or 2a. If you completed line 5 requesting the information are confidential, as required by
Oregon, South Dakota information be sent to a third party, the IRS must section 6103.
Utah, Washington, receive Form 4506-T within 60 days of the date The time needed to complete and file Form
Wyoming 559-253-4992 signed by the taxpayer or it will be rejected. 4506-T will vary depending on individual
Connecticut, Illinois, RAIVS Team Individuals. Transcripts of jointly filed tax circumstances. The estimated average time is:
Indiana, Iowa, Stop B41-6700 returns may be furnished to either spouse. Only Learning about the law or the form, 10 min.;
Michigan, Kansas City, MO one signature is required. Sign Form 4506-T Preparing the form, 11 min.; and Copying,
Minnesota, Missouri, 64999 exactly as your name appeared on the original assembling, and sending the form to the IRS,
North Dakota, Ohio, 20 min.
return. If you changed your name, also sign your
Wisconsin 816-823-7667 If you have comments concerning the
current name.
New Jersey, RAIVS Team accuracy of these time estimates or suggestions
Corporations. Generally, Form 4506-T can
Pennsylvania, a DP SE 135 for making Form 4506-T simpler, we would be
foreign country, or Philadelphia, PA be signed by: (1) an officer having legal authority
to bind the corporation, (2) any person designated happy to hear from you. You can write to the
A.P.O. or F.P.O. 19255-0695 Internal Revenue Services, Tax Products
address by the board of directors or other governing body,
or (3) any officer or employee on written request Coordinating Committee,
215-516-2931
by any principal officer and attested to by the SE:W:CAR:MP:T:T:SP, 1111 Constitution Ave.
secretary or other officer. NW, IR-6406 Washington DC 20224. Do not
send the form to this address. Instead, see Where
to file on this page.
Request for Transcript of Tax Return
Form 4506-T ¾ Do not sign this form unless all applicable parts have been completed.
Read the instructions on page 2. OMB No. 1545-1872
(Rev. October 2005) _
Department of the Treasury ¾ Request may be rejected if the form is incomplete, illegible, or any required part was
Internal Revenue Service blank at the time of signature.
TIP: Use new Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can also call 1-800-829-1040 to order a
transcript. 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 first. 1b First social security number on tax return or
employer identification number (see instructions)

MARY HOMEOWNER 500-22-2000


2a If a joint return, enter spouse’s name shown on tax return 2b Second social security number if joint tax return

3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code

111 TBD, SAN RAMON, CALIFORNIA 94583


4 Previous address shown on the last return filed if different from line 3

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. The
IRS has no control over what the third party does with the tax information.

CAUTION: If a third party requires you to complete Form 4506-T, do not sign Form 4506-T if lines 6 and 9 are blank.
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. 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 the financial 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 20 business days. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . [ ]
c Record of Account, which is a combination of line item information and later adjustments to the account. Available for current year and 3 prior tax years
Most requests will be processed within 20 business days. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . [ ]
7 Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. 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 2003, filed in 2004, will
not be available from the IRS until 2005. 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.

12/31/2005 12/31/2004
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.
Telephone number of taxpayer on line 1a
or 2a
( )
¾ Signature (see instructions) Date
Sign
Here ¾ Title (if line 1a above is a corporation, partnership, estate, or trust)

¾
Spouse’s signature Date
For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 37667N Form 4506-T (Rev. 10-2005)

62000001 IRS4506T
Form 4506-T (Rev. 10-2005) Page 2

Chart for all other transcripts Partnerships. Generally, Form 4506-T can be
General Instructions signed by any person who was a member of the
Purpose of form. Use Form 4506-T to request If you lived in or Mail or fax to the
your business was Internal Revenue partnership during any part of the tax period
tax return information. You can also designate a requested on line 9.
third party to receive the information. See line 5. in:: Service at:
Alabama, Alaska,
All others. See section 6103(e) if the taxpayer
Tip. Use Form 4506, Request for Copy of Tax has died, is insolvent, is a dissolved corporation,
Return, to request copies of tax returns. Arizona, Arkansas,
California, Colorado, or if a trustee, guardian, executor, receiver, or
Where to file. Mail or fax Form 4506-T to the administrator is acting for the taxpayer.
address below for the state you lived in when that Florida, Georgia,
Hawaii, Idaho, Iowa, Documentation. For entities other than
return was filed. There are two address charts: individuals, you must attach the authorization
Kansas, Louisiana, RAIVS Team
one for individual transcripts (Form 1040 series Minnesota, Mail Stop 6734 document. For example, this could be the letter
and Form W-2) and one for all other transcripts. Mississippi, Missouri, Ogden, UT 84409 from the principal officer authorizing an
Note: If you are requesting more than one Montana, Nebraska, employee of the corporation or the Letters
transcript or other product and the chart below Nevada, New Mexico, Testamentary authorizing an individual to act for
shows two different service centers, mail your North Dakota, an estate.
request to the service center based on the address Oklahoma, Oregon,
of your most recent return. South Dakota, Privacy Act and Paperwork Reduction Act
Tennessee, Texas, Notice. We ask for the information on this form
Chart for individual transcripts Utah, Washington, to establish your right to gain access to the
(Form 1040 series and Form W- Wyoming 801-620-6922 requested tax information under the Internal
Connecticut, Revenue Code. We need this information to
2) properly identify the tax information and respond
Delaware, District of
If you filed an Mail or fax to the
Columbia, Illinois, to your request. Sections 6103 and 6109 require
individual return Internal Revenue
Indiana, Kentucky, you to provide this information, including your
and lived in: Service at: Maine, Maryland, RAIVS Team SSN or EIN. If you do not provide this
District of Columbia, RAIVS Team Massachusetts, P.O. Box 145500 information, we may not be able to process your
Maine, Maryland, 310 Lowell St. Michigan, New Stop 2800F request. Providing false or fraudulent information
Massachusetts, Stop 679 Hampshire, New Cincinnati, OH 45250
New Hampshire, Andover, MA 01810 may subject you to penalties.
Jersey, New York, Routine uses of this information include
New York, Vermont North Carolina, Ohio,
978-247-9255 giving it to the Department of Justice for civil and
Pennsylvania, Rhode criminal litigation, and cities, states, and the
Alabama, Delaware, RAIVS Team Island, South
Florida, Georgia, 4800 Buford Hwy. District of Columbia for use in administering
Carolina, Vermont,
North Carolina, Stop 91 Virginia, West
their tax laws. We may also disclose this
Rhode Island Chamblee, GA 30341 Virginia, Wisconsin 859-669-3592 information to other countries under a tax treaty,
South Carolina, to federal and state agencies to enforce federal
Virginia, 678-530-5326 Line 1b. Enter your employer identification nontax criminal laws, or to federal law
Arkansas, Kansas, RAIVS Team number (EIN) if your request relates to a business enforcement and intelligence agencies to combat
Kentucky, Louisiana, 3651 South terrorism.
return. Otherwise, enter the first social security
Mississippi, Interregional Hwy. You are not required to provide the
Oklahoma, Stop 6716
number (SSN) shown on the return. For
example, if you are requesting Form 1040 that information requested on a form that is subject to
Tennessee, Texas, Austin, TX 78741 the Paperwork Reduction Act unless the form
West Virginia includes Schedule C (Form 1040), enter your
SSN. displays a valid OMB control number. Books or
512-460-2272 records relating to a form or its instructions must
Alaska, Arizona, RAIVS Team Line 6. Enter only one tax form number per
request. be retained as long as their contents may become
California, Colorado, Stop 38101
Signature and date. Form 4506-T must be material in the administration of any Internal
Hawaii, Idaho, Fresno, CA 93888
Montana, Nebraska, signed and dated by the taxpayer listed on line 1a Revenue law. Generally, tax returns and return
Nevada, New Mexico or 2a. If you completed line 5 requesting the information are confidential, as required by
Oregon, South Dakota information be sent to a third party, the IRS must section 6103.
Utah, Washington, receive Form 4506-T within 60 days of the date The time needed to complete and file Form
Wyoming 559-253-4992 signed by the taxpayer or it will be rejected. 4506-T will vary depending on individual
Connecticut, Illinois, RAIVS Team Individuals. Transcripts of jointly filed tax circumstances. The estimated average time is:
Indiana, Iowa, Stop B41-6700 returns may be furnished to either spouse. Only Learning about the law or the form, 10 min.;
Michigan, Kansas City, MO one signature is required. Sign Form 4506-T Preparing the form, 11 min.; and Copying,
Minnesota, Missouri, 64999 exactly as your name appeared on the original assembling, and sending the form to the IRS,
North Dakota, Ohio, 20 min.
return. If you changed your name, also sign your
Wisconsin 816-823-7667 If you have comments concerning the
current name.
New Jersey, RAIVS Team accuracy of these time estimates or suggestions
Corporations. Generally, Form 4506-T can
Pennsylvania, a DP SE 135 for making Form 4506-T simpler, we would be
foreign country, or Philadelphia, PA be signed by: (1) an officer having legal authority
to bind the corporation, (2) any person designated happy to hear from you. You can write to the
A.P.O. or F.P.O. 19255-0695 Internal Revenue Services, Tax Products
address by the board of directors or other governing body,
or (3) any officer or employee on written request Coordinating Committee,
215-516-2931
by any principal officer and attested to by the SE:W:CAR:MP:T:T:SP, 1111 Constitution Ave.
secretary or other officer. NW, IR-6406 Washington DC 20224. Do not
send the form to this address. Instead, see Where
to file on this page.
CMG MORTGAGE, INC.
3160 CROW CANYON ROAD, SUITE 240
SAN RAMON, CALIFORNIA 94583
OCCUPANCY STATEMENT
Loan Number: 62000001

Property address: 111 TBD


SAN RAMON, CALIFORNIA 94583

Borrower hereby declares; under penalty of perjury, as follows:

[X] Owner Occupied


I/We will occupy the subject property as my/our principal residence as required by, and in compliance with, the terms of the
Deed of Trust/Mortgage relating to the subject property;

[ ] Occupied as a Second Home


I/We will occupy the subject property as my/our second residence as required by, and in compliance with, the terms of the
Deed of Trust/Mortgage relating to the subject property;

[ ] Investment Property Will Not Occupy


I/We will not occupy the subject property.

I/We are aware of and understand that if at anytime it is determined that the foregoing statement is untrue, I/We will be subject to
prosecution for fraud under applicable state laws.

I certify under penalty of Chapter 18, U.S.C. 1010 to 1014 that the statement contained herein is true and correct.

Borrower JOHN HOMEOWNER Date Borrower MARY HOMEOWNER Date


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

Borrower Date Borrower Date

STATE OF County ss:


Subscribed and sworn to before me this ________ day of _______________________________.
WITNESS my hand and official seal.

Signature:

Name (typed or printed)


MY COMMISSION EXPIRES:

ccnoccup

62000001 OTHER
IMPORTANT INFORMATION ABOUT YOUR
CMG HOME OWNERSHIP ACCELERATOR LOAN

1. The actual payoff timing and total interest costs of the CMG Home Ownership Accelerator loan will
depend on the amount of funds directed into the account (“deposits”), on the amount of funds drawn out
of the account (“expenses”), and on the interest rates in effect during the life of the loan. As to these
three items, I/We understand that we are solely responsible for the characteristics of the first two
(deposits and expenses).

2. Failure to provide deposits into the account, or failure to provide adequate deposits into the account as
compared to expenses, could result in the loan balance either increasing over time, not decreasing, or not
decreasing at a rate that was originally anticipated at closing.

3. It is essential to establish a regular source of deposits into the account in order to maximize the benefits
of the loan, particularly with respect to reducing the loan balance to zero ahead of the traditional 30-year
timeframe.

4. In order to provide for a regular source of deposits, I/we intend within 30 days to establish an employer-
sponsored direct deposit (if applicable), a comparable funding mechanism such as Automated Clearing
House (ACH) or other such regular funding mechanisms as may exist.

Applicant: Print Name: JOHN HOMEOWNER

Applicant Signature: Date:

Co-Applicant: Print Name: MARY HOMEOWNER

Co-Applicant Signature: Date:


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

cmgdepos

62000001 OTHER
MY NEW LOAN: WHAT TO EXPECT

Because your new CMG Home Ownership Accelerator mortgage is an entirely new kind of loan, you will
no doubt have a few questions about what happens now that you’ve signed up. Here are answers to
questions on some of the most important topics.

GENERAL QUESTIONS:

1. What will happen to my loan after it funds? Will it be purchased?


Our program partner GMAC Bank will purchase and service your loan. The “powered by GMAC Bank”
terminology means that they will be your point of contact for the transactional aspects of the loan.

2. How do I get started using the transactional aspects of my account?


You will receive a welcome kit from GMAC Bank around 2 weeks after your loan closes. It will contain
information regarding your account number (and ABA/routing numbers) so that you can set up direct deposit
of your paycheck into your new mortgage.

SETTING UP DIRECT DEPOSIT:

1. Do I need to set up direct deposit right away?


Yes. This is of utmost importance since parking your money in your mortgage account keeps your principal
balance lower, and saves you interest (which allows you to pay off sooner with no change to spending
habits). You need to do this as soon as you have your account number. Your payroll service requires some
time (usually 4-6 weeks) to transition over to the new account, so get started immediately. In the interim, if
you draw on your account (using checks, ATM, etc.) you should expect your balance to increase accordingly.
While you’re waiting for your direct deposit to switch over, you can keep your balance lower by simply
depositing checks (bank-by-mail) to offset your spending.

2. Can I set up ACH transfers into and out of my account using my account number?
Yes. This feature works like any bank account.

CUSTOMER SERVICE 866-246-2265 (MON-FRI, 9AM-6PM EASTERN)

1
Rev.060705; Copyright 2005 CMG Financial Services.
cmgexpec

62000001 OTHER
MY NEW LOAN: WHAT TO EXPECT

3. Should I close out my existing checking and savings accounts?


We recommend you leave these in place, for now. Initially, you will need to use them while establishing
your direct-deposit. Later on, once the bulk of your transactions have moved over to the Accelerator
account, you can decide whether they’re still needed.

4. If my spouse and I have two incomes, should both go into the account?
Absolutely. To maximize the benefit of the account, you will want to flow as much of your income and
expenses through it. Money sitting in a different account (even for a short time) doesn’t help you keep your
principal balance lower and save you interest. By having in this account, your money effectively “earns” you
the equivalent of your mortgage interest rate, because you’d otherwise pay interest on that much more
principal.

HOW YOUR LINE OF CREDIT WORKS:

1. What is my line of credit and how does it behave?


Initial credit line (10 years)
When you established your loan, you agreed on a “credit line”
amount which is the maximum amount you can borrow. Your initial Credit line (final 20 years)
principal balance is the amount you needed to borrow against your
credit line in order to refinance or purchase your home. It is usually
less than the credit line amount. The difference between the credit Principal Available credit
line and your principal balance at any point in time represents your balance
available credit. One reason we try to start you out with a higher (sample)
credit line than you need initially is that it’s always nice to have a
little extra available credit to cover unforeseen circumstances. The credit line amount stays at the initial level
for 10 years, and then it declines by 1/240 per month for the final 20 years, ending at zero. You’ll need to
keep your principal balance below this line. Note that for the first 10 years, you are not required to pay down
any principal; in the final 20 years, you need to be making progress against principal so that you pay off by the
end of year 30.

2. How is interest determined and paid?


Interest is computed based on your daily principal balance. At the end of your statement period, interest is
automatically added to your outstanding principal balance. If you are below your credit line, you do not need
to send in a payment for interest due -- your account will automatically collect the monthly interest charge.
You are effectively paying it when your paycheck reduces your mortgage balance.

3. What happens if I spend up to my credit line?


At that point, you have no more available credit, and you will not be able to withdraw funds until you deposit
additional funds and re-establish some available credit. Any checks you write at this point may returned by the
bank due to insufficient funds, just like a regular checking account. Also at this point, since we cannot simply
add an interest charge to your principal balance, we will request that you pay that interest due by using an
outside source of funds. Similarly in the final 20 years, if you are at your credit limit, we will request that you
pay any principal due (1/240 of your initial credit line amount) each month.

4. How do I maximize the effectiveness of the loan?


The degree to which you “park” funds against your mortgage balance determines how much interest you save,
and thus how fast you’ll pay off your mortgage. The following strategies can be employed to help you pay off
even earlier and save even more interest:
a) Channel more funds into the mortgage, particularly those earning less than your mortgage interest rate
b) Decrease your expenses
c) Pay your expenses as late as possible (by putting them on a credit card and paying it off the next month,
for example). This lets your income (deposits) keep your principal balance lower as long as possible, saving

CUSTOMER SERVICE 866-246-2265 (MON-FRI, 9AM-6PM EASTERN)

2
MY NEW LOAN: WHAT TO EXPECT

you more interest. Remember, though, you could incur interest charges on your credit card if you don’t pay
the balance down on time (you can set up an automatic payment option to avoid this).
d) Carry less cash with you, leaving it parked in your mortgage account.

DEPOSITS:

1. How do I get other income, such as bonuses or dividends into my account?


Just use the convenient bank-by-mail forms included in your welcome kit. Your deposit will be applied to
your account as soon as we receive it. Or, you can have funds sent to your new account electronically.

CHECKING:

1. When will I receive my initial set of checks?


Your initial order will be for 200 checks which are customized for this product and will arrive in 2-3 weeks.

2. If I don't like the standard style, can I choose custom check styles?
If you would like custom check designs, you can choose a different check supplier. These checks could cost
you more.

3. Is there a signature card that I'll need to sign, and what do I do with it?
The signature card will come with the welcome kit and will include a return envelope to return it to us.

4. Is there a limit to the number of checks I write?


No you can write checks just like a typical bank account, up to the amount of credit you have available.

5. What do I do if my checks are lost or stolen?


Call customer service at 866-246-2265 (hours are M-F, 9am-6pm EST).

ATM CARD

1. When will I receive my ATM card?


In approximately 2-3 weeks.

2. Where can I use the card?


You can use the card to immediately access funds from your account in one of two ways: to get cash at
ATM’s or to make purchases. Used as an ATM card, it will function at any Cirrus, Jeanie, or STAR network
ATM. You can also use it for purchases anywhere VISA is accepted; this is called Point-of-Sale, or ‘P.O.S.’ for
short. It is a signature-based transaction, as opposed to a PIN-based transaction, so you when the clerk asks
you “debit or credit?” you should choose “credit.” Note: choosing “credit” does not mean your card carries a
balance like a credit card does; the funds are drawn from your account immediately.

3. What is the daily limit?


Both ATM and P.O.S. access the available equity in your account. The daily ATM limit is $750. The daily
P.O.S. limit is $5,000.

4. What do I do if my card is lost or stolen?


You should immediately contact Customer Service at 866-246-665. After hours, use the same number and
choose the option for lost/stolen cards which will route to our card provider, who covers the phones 24/7.

5. How does the ATM transaction rebate work?


When you visit a different bank (not a GMAC Bank branch) there is usually a “foreign bank surcharge” applied

CUSTOMER SERVICE 866-246-2265 (MON-FRI, 9AM-6PM EASTERN)

3
MY NEW LOAN: WHAT TO EXPECT

to your ATM transaction. The system will keep track of the number of transactions and a rebate will be
posted to the account, up to 8 per month, making it effectively free. Beyond 8 per month, there will be a
“foreign bank surcharge.”

ONLINE ACCESS

1. Is enrollment in Online Banking / Bill-Pay automatic?


No, you must contact Customer Service to setup online banking, and then you have the ability to sign up
for Bill-Pay. You should do this soon after receiving your account number.

2. When do I set up login/password?


When you contact customer service.

3. Where do I log in and see my account?


Once you are enrolled, you access your account online at www.gmacbank.com

4. What types of balances/transactions will I be able to see?


You’ll be able to see all CMG Home Ownership Accelerator balances and transactions.

5. What other types of functions can I do online?


You’ll be able to do stop-payments, transfers in and out of your account, reset passwords, and more.

STATEMENTS

1. When should I expect my statement to arrive each month?


Statements are cut on the 9th of the month and, depending on the US Postal Service, should arrive at your
home in 3-5 days.

2. Can I choose the date that my account cycles?


No, this is a unique cycle created only for this product.

3. What will be on the statement?


The statement will show all of your loan balances, available equity, and transactional activities. It will
actually be in two parts. One part shows all of the activity in and out of the checking side of your account
(deposits, and spending). The other part will show all of this activity sweeping against your mortgage
balance. This might take a bit of getting used to, but soon you’ll be familiar with how the account works: it
actually “sweeps” any deposits into your mortgage each day, and it “pulls” expenses (withdrawals) from your
mortgage each day. This gives your money maximum efficiency, since it’s always in your mortgage keeping
your principal balance lower while it’s waiting to be spent (or not spent!).

TAXES:

1. Is the interest I pay tax deductible?


The interest on your mortgage counts as home mortgage interest. You should always consult with your tax
advisor on the extent to which you should deduct any mortgage interest. You can also refer to IRS
Publication 936 for more information.

CUSTOMER SERVICE 866-246-2265 (MON-FRI, 9AM-6PM EASTERN)

4
CMG MORTGAGE,
INC.

QUALITY CONTROL AUTHORIZATION

As part of a continuing effort to assure that all mortgage loans are originated in accordance with the highest standards of professional
ethics and business practices, a quality control audit is performed on a random sampling of loan closings each month. As a result of
this random sampling an audit may be performed on your loan after closing.

During this review, CMG MORTGAGE, INC., or their assignee may reverify employment, deposits, credit standings, loan
verifications and appraisal reports.

The undersigned borrower(s) acknowledge that their loan may be selected as part of CMG MORTGAGE, INC., or their assignee's
quality control procedures and authorize the reverification of various information supplied in conjunction with obtaining the
mortgage. A photo copy of this form shall be regarded as valid as the original for reverification purposes.

Borrower Borrower
JOHN HOMEOWNER MARY HOMEOWNER
BY JOHN A. SIGNER, ATTORNEY-IN-FACT

Date Date

Borrower Borrower

Date Date

ffqual

62000001 ESCWAIVER
HAZARD INSURANCE AUTHORIZATION & REQUIREMENTS
Lender: CMG MORTGAGE, INC. Date: March 4, 2006
3160 CROW CANYON ROAD, SUITE 240
SAN RAMON, CALIFORNIA 94583 Loan No.: 62000001

Escrow Co.: LSI Escrow No.: 88-88888


2550 REDHILL AVENUE
SANTA ANA, CALIFORNIA 92705
Borrower's Name(s):
JOHN HOMEOWNER
MARY HOMEOWNER
Property Address:
111 TBD
SAN RAMON, CALIFORNIA 94583
AN ACCEPTABLE HAZARD INSURANCE POLICY, WITH ENDORSEMENTS AND/OR ASSIGNMENTS, MUST BE IN LENDER'S OFFICE
BEFORE THIS LOAN CAN BE FUNDED; OTHERWISE, LENDER MAY BE FORCED TO PLACE INTERIM COVERAGE ON THE PROPERTY AT
AN ADDITIONAL COST TO THE BORROWER(S).
Your Lender may require that you or your Insurance Agency provide the "ORIGINAL POLICY", but generally, a "Binder" or a "Certificate of Evidence of
Insurance" is acceptable. Ask our Lender which they will accept. Please forward all policies, assignments, and/or endorsements to Lender at the above
address, "ATTN: LOAN PROCESSING."
Listed below are your Lender's policies and procedures, and minimum requirements, for Hazard Insurance coverage.
1. The amount of coverage provided by the policy must be no less than the lesser of: 1) the replacement value of the improvements on the above
referenced property as established by the insurance company providing coverage, or 2) an amount equal to the sum of this loan amount plus the balances
of all other existing liens.
2. The insurance company providing coverage must have a "B+" rating or better in the latest edition of "Best's Insurance Guide", must be licensed to do
business in the State in which the property is located, and must be licensed to transact the lines of insurance required.
3. The Policy must provide at least "Broad Form" coverage on properties of one to four units, and at least "Vandalism & Malicious Mischief" on properties
with over four units, WITH NO DEVIATION. Homeowners policies must provide coverage equal to "H03" form.
4. Deductibles may not exceed the higher of: 1) $1,000.00 or 2) one percent (1.0%) of the coverage amount as determined using the guidelines in
Requirement #1 above (This limit applies for loans secured by residential properties of 1 to 4 units which may be sold to or originated for either: Federal
National Mortgage Association, Federal Home Loan Mortgage Corporation, FHA or VA). Your Lender's deductible requirements may be more
stringent; if so, you will be notified of your Lender's requirements prior to funding.
5. The Policy must provide coverage for a term of at least one year. Premiums may be paid on an annual installment basis only if the policy provides that
the Lender will be notified in writing of cancellation 30 days prior to expiration of coverage, for any cause.
6. If a policy of coverage is already "in force" (typical in refinance transactions) which expires within six months from the date of the recording of this
loan, Lender may require renewal of said policy for a term as required in #5 above.
7. All forms and endorsements pertaining to the Lender's requirements must appear on the "Declaration Page" of policy.
8. For loans which have Hazard Insurance premiums impounded by the Lender, when notifying Lender of any new policy or changes of Insurance Carrier,
said notification must be accompanied by a signed "Broker of Record Authorization."
9. Verification of renewal of insurance policies must be in Lender's office at least thirty days prior to the expiration date of the policy. If this requirement
is not met, LENDER OR ITS SUCCESSORS AND/OR ASSIGNS MAY AT THEIR OPTION, BUT WITHOUT THE OBLIGATION TO DO SO,
PROVIDE COVERAGE TO REPLACE ANY EXPIRING POLICIES WHICH HAVE NOT BEEN PROPERLY RENEWED. Premiums for such
coverage shall be remitted promptly by the undersigned, or Lender may charge borrower's account for the cost thereof.
10. Lender's Loss payable Endorsement 438 BFU to be affixed to policy in favor of:
CMG MORTGAGE, INC.
Its successors and/or assigns WITH FIRST MORTGAGE ENDORSEMENT
3160 CROW CANYON ROAD, SUITE 240
SAN RAMON, CALIFORNIA 94583
RE: Loan No.: 62000001
11. The property address and the insured's names must be designated on the policy exactly as on the ALTA Title Policy.
12. The Lender's loan number must appear on the policy and on any subsequent endorsements.
13. The effective date of new policies, endorsements, and/or assignments shall be as of, or prior to, the date of recording of this loan.
14. Please notify your agent to forward future premium notices directly to you.
15. If the security property is a Condominium, the Master Policy must contain a minimum of $1,000,000.00 liability coverage for "Directors & Officers"
liability. A copy of the Master Policy, or a certificate showing proof of coverage for both the Homeowners Association and the Condominium unit
owner, must be submitted to the Lender prior to funding.
AN ACCEPTABLE POLICY WITH ENDORSEMENTS AND/OR ASSIGNMENTS, MUST BE FORWARDED TO AND RECEIVED BY LENDER
BEFORE THIS LOAN CAN BE FUNDED; OTHERWISE, LENDER MAY BE FORCED TO PLACE INTERIM COVERAGE ON THE PROPERTY AT
AN ADDITIONAL COST TO THE BORROWER(S).
BY SIGNING BELOW, each of the undersigned acknowledges that he or she has read, understands and accepts the foregoing provisions and insurance
requirements. This authorization shall remain irrevocable for the undersigned as owner(s) of the property, and for any assignee(s), for as long as this loan
remains on the subject property.

Borrower JOHN HOMEOWNER Borrower MARY HOMEOWNER


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

Borrower Borrower

spchazin

62000001 NOTICE
LOAN NO.: 62000001

YOUR RIGHT TO PRIVACY


IMPORTANT INFORMATION TO KNOW
SECURITY: We restrict access to the information we have about you to those employees who need to know that information to provide products or
services to you. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information, (We are required to do
so by federal regulations.)

CHANGE: We can change this policy, but we will tell you in advance if we do, and we will explain any further rights you might have at that time.

WHO WE ARE: In this disclosure, we means


CMG MORTGAGE, INC.
3160 CROW CANYON ROAD, SUITE 240
SAN RAMON, CALIFORNIA 94583

OUR PRIVACY POLICY


WHAT THIS IS: This is a disclosure required by federal law which is intended to tell you (among other things):
• Where we get information about you (our sources);
• What we do to protect the information we have about you; and
• What our policy is about sharing information about you with others.

WHO YOU ARE: This policy applies to you if you are a customer of ours.

A “customer” is a natural person (not a corporation) who-for personal, family, or household purposes-has or recently had a financial product with us,
such as a mortgage loan.

DEFINITIONS: Here are other terms we will use in this disclosure:

Information means nonpublic personal information, a technical term that generally means

1. information that can identify you;


2. that is not available publicly; and
3. that we collect in connection with providing a financial product or service to you.

We will use the word information to mean nonpublic personal information.

Affiliates are companies that are related to one another by ownership, common ownership, or control. For example, if one company owns or
controls another company, they are affiliates of each other.

Nonaffiliate means a company that is not an affiliate of another company, and it also means a person who is not an employee of a company.

Opt out means a choice a person can make (in certain cases) to prevent a financial institution from sharing information about that person with others.
(You do not have a right to opt out because we do not share information about you for marketing purposes).

JOINT ACCOUNTS: If you have a joint account with us (for example, you are, or you have, a co-borrower on a loan), you should share this notice
with the person who shares your account. He or she may not get a separate notice.

SOURCES FOR INFORMATION: We collect information about you from the following sources:
• Information you might provide us on applications and other forms;
• Information about transactions we might conduct for you;
• Information about your transactions with nonaffiliated third parties; and
• Information from consumer reporting agencies.

OUR PRIVACY POLICY


WE DO NOT SHARE NONPUBLIC INFORMATION ABOUT YOU WITH ANYONE EXCEPT AS REQUIRED OR PERMITTED BY
LAW.

FORMER CUSTOMERS: We have the same policy against disclosing information about former customers as we do about current customers.

Borrower JOHN HOMEOWNER Date Borrower MARY HOMEOWNER Date


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

Borrower Date Borrower Date

ufmpriva

62000001 OTHER
COMPLIANCE AGREEMENT
STATE OF CALIFORNIA

COUNTY OF CONTRA COSTA

Borrower(s): JOHN HOMEOWNER


MARY HOMEOWNER

Lender: CMG MORTGAGE, INC.


3160 CROW CANYON ROAD, SUITE 240
SAN RAMON, CALIFORNIA 94583

Property: 111 TBD


SAN RAMON, CALIFORNIA 94583

Loan Number: 62000001

The undersigned Borrower(s), for and in consideration of the above referenced loan made by Lender to Borrower(s) this date, agrees,
if requested by Lender or Closing Agent for Lender, to fully cooperate, adjust for clerical errors, or replace any document in
connection with, any or all loan closing documentation if deemed necessary or desirable in the reasonable discretion of Lender to
enable Lender to correct such loan documentation or to sell, convey, seek guaranty or market said loan to any entity, including but not
limited to an investor, Federal National Mortgage Association, Federal Home Loan Mortgage Corporation, Federal Housing Authority
or the Department of Veterans Affairs.

The undersigned Borrower(s) do hereby so agree and covenant in order to assure that the loan documentation executed this date is
accurate and will conform to and be acceptable in the market place in the instance of transfer, sale or conveyance by Lender of its
interest in and to said loan documentation.

The undersigned Borrower(s) agree that the failure of Borrower(s) to cooperate, adjust, and/or replace any such loan documentation
as provided herein, upon the reasonable request of Lender, will constitute a default under the loan documentation.

Dated effective ________________________________.

Borrower JOHN HOMEOWNER Borrower MARY HOMEOWNER


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

Borrower Borrower

____________________________________________________________________
Witness

Sworn to and subscribed to me this _________ day of ______________________,


_________.

____________________________________________________________________
Notary Public residing in:

My Commission Expires: _____________________________________________

(SEAL)

usacomp

62000001 COMPLIANCE
Give form to the
Request for Taxpayer
Form W-9 Identification Number and Certification
requester. Do not send to
the IRS.
(Rev. January 2005)
Department of the Treasury
Internal Revenue Service

Name (as shown on your income tax return)


JOHN HOMEOWNER
Business name, if different from above.

Check appropriate box: [ ] Individual/Sole proprietor [ ] Corporation [ ] Partnership [ ] Other 4 [


] Exempt from
backup withholding
Address (number, street, and apt. or suite no.) Requester’s name and address (optional)
111 TBD
City, state, and ZIP code
SAN RAMON, CALIFORNIA 94583
List account number(s) here (optional)

Part I Taxpayer Identification Number (TIN)


Enter your TIN in the appropriate box. The TIN provided must match the name given on Line 1 to avoid backup Social security number
withholding. For individuals, this is your social security number (SSN). However, for a resident alien, sole proprietor, 300-40-5000
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 number, see How to get a TIN on page 3. or
Note: If the account is in more than one name, see the chart on page 4 for guidelines on whose number to enter.
Employer identification number

Part II Certification
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. person (including a U.S. resident alien).
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 property, cancellation 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. person4 Date 4

Purpose of Form • Any estate (other than a foreign estate) or trust. See Regulations sections
A person who is required to file an information return with the IRS, must obtain 301.7701-6(a) and 7(a) for additional information.
your correct taxpayer identification number (TIN) to report, for example, income Foreign person. If you are a foreign person, do not use Form W-9. Instead, use
paid to you, real estate transactions, mortgage interest you paid, acquisition or the appropriate Form W-8 (see Publication 515, Withholding of Tax on
abandonment of secured property, cancellation of debt, or contributions you made Nonresident Aliens and Foreign Entities).
to an IRA. Nonresident alien who becomes a resident alien.
U.S. person. Use Form W-9 only if you are a U.S. person (including a resident Generally, only a nonresident alien individual may use the terms of a tax treaty to
alien), to provide your correct TIN to the person requesting it (the requester) and, reduce or eliminate U.S. tax on certain types of income. However, most tax treaties
when applicable, to: contain a provision known as a “saving clause.” Exceptions specified in the saving
1. Certify that the TIN you are giving is correct (or you are waiting for a clause may permit an exemption from tax to continue for certain types of income
number to be issued), even after the recipient has otherwise become a U.S. resident alien for tax purposes.
2. Certify that you are not subject to backup withholding, or If you are a U.S. resident alien who is relying on an exception contained in
3. Claim exemption from backup withholding if you are a U.S. exempt the saving clause of a tax treaty to claim an exemption from U.S. tax on certain
payee. types of income, you must attach a statement to Form W-9 that specifies the
Note: If a requester gives you a form other than Form W-9 to request your following five items:
TIN, you must use the requester’s form if it is substantially similar to this Form W- 1. The treaty country. Generally, this must be the same treaty under which
9. you claimed exemption from tax as a nonresident alien.
For federal tax purposes your are considered a person if your are: 2. The treaty article addressing the income.
• An individual who is a citizen or resident of the United States, 3. The article number (or location) in the tax treaty that contains the saving
• A partnership, corporation, company, or association created or organized in clause and its exceptions.
the United States or under the laws of the Untied States, or 4. The type and amount of income that qualifies for the exemption from tax.
5. Sufficient facts to justify the exemption from tax under the terms
of the treaty article.
Cat. No. 10231X Form W-9 (Rev. 1-2005)
usaw9

62000001 W9
Form W-9 (Rev. 1-2005) Page 2
Example. Article 20 of the U.S.-China income tax treaty allows an
exemption from tax for scholarship income received by a Chinese
Specific Instructions
student temporarily present in the United States. Under U.S. law, this Name
student will become a resident alien for tax purposes if his or her stay in If you are an individual, you must generally enter the name shown on
the United States exceeds 5 calendar years. However, paragraph 2 of the your social security card. However, if you have changed your last name,
first Protocol to the U.S.-China treaty (dated April 30, 1984) allows the for instance, due to marriage without informing the Social Security
provisions of Article 20 to continue to apply even after the Chinese Administration of the name change, enter your first name, the last name
student becomes a resident alien of the United States. A Chinese student shown on your social security card, and your new last name.
who qualifies for this exception (under paragraph 2 of the first protocol) If the account is in joint names, list first, and then circle, the name of the
and is relying on this exception to claim an exemption from tax on his person or entity whose number you entered in Part I of the form.
or her scholarship or fellowship income would attach to Form W-9 a Sole proprietor. Enter your individual name as shown on your social
statement that includes the information described above to support that security card on the “Name” line. You may enter your business, trade,
exemption. or “doing business as (DBA)” name on the “Business name” line.
Limited liability company (LLC). If you are a single-member LLC
If you are a nonresident alien or a foreign entity not subject to (including a foreign LLC with a domestic owner) that is disregarded as
backup withholding, give the requester the appropriate completed Form an entity separate from its owner under Treasury regulations section
W-8. 301.7701-3, enter the owner’s name on the “Name” line. Enter the
LLC’s name on the “Business name” line. Check the appropriate box
What is backup withholding? Persons making certain payments to you for your filing status (sole proprietor, corporation, etc.), then check the
must under certain conditions withhold and pay to the IRS 28% of such box for “Other” and enter “LLC” in the space provided.
payments (after December 31, 2002). This is called “backup Other entities. Enter your business name as shown on required Federal
withholding.” Payments that may be subject to backup withholding tax documents on the “Name” line. This name should match the name
include interest, dividends, broker and barter exchange transactions, shown on the charter or other legal document creating the entity. You
rents, royalties, nonemployee pay, and certain payments from fishing may enter any business, trade, or DBA name on the “Business name”
boat operators. Real estate transactions are not subject to backup line.
withholding. Note: You are requested to check the appropriate box for your status
(individual/sole proprietor, corporation, etc.).
You will not be subject to backup withholding on payments you
receive if you give the requester your correct TIN, make the proper Exempt From Backup Withholding
certifications, and report all your taxable interest and dividends on your If you are exempt, enter your name as described above and check the
tax return. appropriate box for your status, then check the “Exempt from backup
withholding” box in the line following the business name, sign and date
Payments you receive will be subject to backup withholding if: the form.
Generally, individuals (including sole proprietors) are not exempt
1. You do not furnish your TIN to the requester, or from backup withholding. Corporations are exempt from backup
2. You do not certify your TIN when required (see the Part II withholding for certain payments, such as interest and dividends.
instructions on page 4 for details), or Note: If you are exempt from backup withholding, you should still
3. The IRS tells the requester that you furnished an incorrect TIN, complete this form to avoid possible erroneous backup withholding.
or Exempt payees. Backup withholding is not required on any payments
4. The IRS tells you that you are subject to backup withholding made to the following payees:
because you did not report all your interest and dividends on your tax 1. An organization exempt from tax under section 501(a), any IRA,
return (for reportable interest and dividends only), or or a custodial account under section 403(b)(7) if the account satisfies the
5. You do not certify to the requester that you are not subject to requirements of section 401(f)(2);
backup withholding under 4 above (for reportable interest and dividend 2. The United States or any of its agencies or instrumentalities;
accounts opened after 1983 only). 3. A state, the District of Columbia, a possession of the United
States, or any of their political subdivisions or instrumentalities;
Certain payees and payments are exempt from backup withholding. 4. A foreign government or any of its political subdivisions,
See the instructions below and the separate Instructions for the agencies, or instrumentalities; or
Requester of Form W-9. 5. An international organization or any of its agencies or
instrumentalities.
Penalties Other payees that may be exempt from backup withholding
Failure to furnish TIN. If you fail to furnish your correct TIN to a include:
requester, you are subject to a penalty of $50 for each such failure 6. A corporation;
unless your failure is due to reasonable cause and not to willful neglect. 7. A foreign central bank of issue;
Civil penalty for false information with respect to withholding. If 8. A dealer in securities or commodities required to register in the
you make a false statement with no reasonable basis that results in no United States, the District of Columbia, or a possession of the United
backup withholding, you are subject to a $500 penalty. States;
Criminal penalty for falsifying information. Willfully falsifying 9. A futures commission merchant registered with the Commodity
certifications or affirmations may subject you to criminal penalties Futures Trading Commission;
including fines and/or imprisonment. Misuse of TINs. If the requester 10. A real estate investment trust;
discloses or uses TINs in violation of Federal law, the requester may be 11. An entity registered at all times during the tax year under the
subject to civil and criminal penalties. Investment Company Act of 1940;
12. A common trust fund operated by a bank under section 584(a);
13. A financial institution;
14. A middleman known in the investment community as a
nominee or custodian; or
Form W-9 (Rev. 1-2005) Page 3
15. A trust exempt from tax under section 664 or described in Part I. Taxpayer Identification Number (TIN)
section 4947. Enter your TIN in the appropriate box. If you are a resident alien
The chart below shows types of payments that may be exempt from and you do not have and are not eligible to get an SSN, your TIN is
backup withholding. The chart applies to the exempt recipients listed your IRS individual taxpayer identification number (ITIN). Enter it in
above, 1 through 15. the social security number box. If you do not have an ITIN, see How to
IF the payment is for . . . THEN the payment is exempt for . . get a TIN below.
Interest and dividend payments All exempt recipients except for 9
If you are a sole proprietor and you have an EIN, you may enter either
Broker transactions Exempt recipients 1 through 13. Also,
your SSN or EIN. However, the IRS prefers that you use your SSN.
a person registered under the
Investment Advisers Act of 1940 who If you are a single-owner LLC that is disregarded as an entity separate
regularly acts as a broker from its owner (see Limited liability company (LLC) on page 2), enter
Barter exchange transactions and Exempt recipients 1 through 5 your SSN (or EIN, if you have one). If the LLC is a corporation,
patronage dividends partnership, etc., enter the entity’s EIN.
Payments over $600 required to be Generally, exempt recipients 1 through Note: See the chart on page 4 for further clarification of name and TIN
reported and direct sales over $5,000 1 72 combinations.
1
See Form 1099-MISC, Miscellaneous Income, and its instructions. How to get a TIN. If you do not have a TIN, apply for one
2
However, the following payments made to a corporation (including gross immediately. To apply for an SSN, get Form SS-5, Application for a
proceeds paid to an attorney under section 6045(f), even if the attorney is a Social Security Card, from your local Social Security Administration
corporation) and reportable on Form 1099-MISC are not exempt from backup office or get this form on-line at www.socialsecurity.gov/online/ss-
withholding: medical and health care payments, attorneys’ fees; and payments for
services paid by a Federal executive agency.
5.pdf. You may also get this form by calling 1-800-772-1213. Use
Form W-7, Application for IRS Individual Taxpayer Identification
Number, to apply for an ITIN, or Form SS-4, Application for Employer
Identification Number, to apply for an EIN. You can apply for an EIN
online by accessing the IRS website at www.irs.gov/businesses/ or by
calling 1-800-TAX-FORM (1-800-829-3676).
If you are asked to complete Form W-9 but do not have a TIN, write
“Applied For” in the space for the TIN, sign and date the form, and give
it to the requester. For interest and dividend payments, and certain
payments made with respect to readily tradable instruments, generally
you will have 60 days to get a TIN and give it to the requester before
you are subject to backup withholding on payments. The 60-day rule
does not apply to other types of payments. You will be subject to
backup withholding on all such payments until you provide your TIN to
the requester.
Note: Writing “Applied For” means that you have already applied for a
TIN or that you intend to apply for one soon.
Caution: A disregarded domestic entity that has a foreign owner must
use the appropriate Form W-8.
Form W-9 (Rev. 1-2005) Page 4
Part II. Certification What Name and Number To Give the Requester
To establish to the withholding agent that you are a U.S. person, or For this type of account: Give name and SSN of:
resident alien, sign Form W-9. You may be requested to sign by the 1. Individual The individual
withholding agent even if items 1, 4, and 5 below indicate otherwise.
For a joint account, only the person whose TIN is shown in Part I 2. Two or more individuals (joint account) The actual owner of the account or, if
combined funds, the first individual on the
should sign (when required). Exempt recipients, see Exempt from account 1
backup withholding on page 2.
Signature requirements. Complete the certification as indicated in 1 3. Custodian account of a minor (Uniform The minor 2
through 5 below. Gift to Minors Act)
1. Interest, dividend, and barter exchange accounts opened
before 1984 and broker accounts considered active during 1983. 4. a. The usual revocable savings trust The grantor-trustee 1
You must give your correct TIN, but you do not have to sign the (grantor is also trustee)
b. So-called trust account that is not a The actual owner 1
certification.
legal or valid trust under state law
2. Interest, dividend, broker, and barter exchange accounts
opened after 1983 and broker accounts considered inactive during 5. Sole proprietorship or single-owner LLC The owner 3
1983. You must sign the certification or backup withholding will apply.
If you are subject to backup withholding and you are merely providing For this type of account: Give name and EIN of:
your correct TIN to the requester, you must cross out item 2 in the
certification before signing the form. 6. Sole proprietorship or single-owner LLC The owner 3
3. Real estate transactions. You must sign the certification. You Legal entity 4
7. A valid trust, estate, or pension trust
may cross out item 2 of the certification.
4. Other payments. You must give your correct TIN, but you do 8. Corporate or LLC electing corporate The corporation
not have to sign the certification unless you have been notified that you status on Form 8832
have previously given an incorrect TIN. “Other payments” include
payments made in the course of the requester’s trade or business for 9. Association, club, religious, charitable, The organization
rents, royalties, goods (other than bills for merchandise), medical and educational, or other tax-exempt
health care services (including payments to corporations), payments to a organization
nonemployee for services, payments to certain fishing boat crew The partnership
10. Partnership or multi-member LLC
members and fishermen, and gross proceeds paid to attorneys (including
payments to corporations). 11. A broker or registered nominee The broker or nominee
5. Mortgage interest paid by you, acquisition or abandonment
of secured property, cancellation of debt, qualified tuition program 12. Account with the Department of The public entity
payments (under section 529), IRA, Coverdell ESA, Archer MSA or Agriculture in the name of a public entity
HSA contributions or distributions, and pension distributions. You (such as a state or local government,
must give your correct TIN, but you do not have to sign the school district, or prison) that receives
certification. agricultural program payments
1
List first and circle the name of the person whose number you furnish. If only one person on a
joint account has an SSN, that person’s number must be furnished.
2
Circle the minor’s name and furnish the minor’s SSN.
3
You must show your individual name, and you may also enter your business or “DBA” name
on the second name line. You may use either your SSN or EIN (if you have one). If you are a
sole proprietor, IRS encourages you to use your SSN.
4
List first and circle the name of the legal trust, estate, or pension trust. (Do not furnish the TIN
of the personal representative or trustee unless the legal entity itself is not designated in the
account title.)
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.
Privacy Act Notice
Section 6109 of the Internal Revenue Code requires you to provide your correct TIN to persons who must file information returns with the IRS to report interest, dividends,
and certain other income paid to you, mortgage interest you paid, the acquisition or abandonment of secured property, cancellation of debt, or contributions you made to an
IRA or Archer MSA or HSA. The IRS uses the numbers for identification purposes and to help verify the accuracy of your tax return. The IRS may also provide this
information to the Department of Justice for civil and criminal litigation, and to cities, states, and the District of Columbia to carry out their tax laws. We may also disclose
this information to other countries under a tax treaty, to federal and state agencies to enforce federal nontax 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. Payers must generally withhold 28% of taxable interest, dividend, and certain other
payments to a payee who does not give a TIN to a payer. Certain penalties may also apply.
Give form to the
Request for Taxpayer
Form W-9 Identification Number and Certification
requester. Do not send to
the IRS.
(Rev. January 2005)
Department of the Treasury
Internal Revenue Service

Name (as shown on your income tax return)


MARY HOMEOWNER
Business name, if different from above.

Check appropriate box: [ ] Individual/Sole proprietor [ ] Corporation [ ] Partnership [ ] Other 4 [


] Exempt from
backup withholding
Address (number, street, and apt. or suite no.) Requester’s name and address (optional)
111 TBD
City, state, and ZIP code
SAN RAMON, CALIFORNIA 94583
List account number(s) here (optional)

Part I Taxpayer Identification Number (TIN)


Enter your TIN in the appropriate box. The TIN provided must match the name given on Line 1 to avoid backup Social security number
withholding. For individuals, this is your social security number (SSN). However, for a resident alien, sole proprietor, 500-22-2000
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 number, see How to get a TIN on page 3. or
Note: If the account is in more than one name, see the chart on page 4 for guidelines on whose number to enter.
Employer identification number

Part II Certification
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. person (including a U.S. resident alien).
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 property, cancellation 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. person4 Date 4

Purpose of Form • Any estate (other than a foreign estate) or trust. See Regulations sections
A person who is required to file an information return with the IRS, must obtain 301.7701-6(a) and 7(a) for additional information.
your correct taxpayer identification number (TIN) to report, for example, income Foreign person. If you are a foreign person, do not use Form W-9. Instead, use
paid to you, real estate transactions, mortgage interest you paid, acquisition or the appropriate Form W-8 (see Publication 515, Withholding of Tax on
abandonment of secured property, cancellation of debt, or contributions you made Nonresident Aliens and Foreign Entities).
to an IRA. Nonresident alien who becomes a resident alien.
U.S. person. Use Form W-9 only if you are a U.S. person (including a resident Generally, only a nonresident alien individual may use the terms of a tax treaty to
alien), to provide your correct TIN to the person requesting it (the requester) and, reduce or eliminate U.S. tax on certain types of income. However, most tax treaties
when applicable, to: contain a provision known as a “saving clause.” Exceptions specified in the saving
1. Certify that the TIN you are giving is correct (or you are waiting for a clause may permit an exemption from tax to continue for certain types of income
number to be issued), even after the recipient has otherwise become a U.S. resident alien for tax purposes.
2. Certify that you are not subject to backup withholding, or If you are a U.S. resident alien who is relying on an exception contained in
3. Claim exemption from backup withholding if you are a U.S. exempt the saving clause of a tax treaty to claim an exemption from U.S. tax on certain
payee. types of income, you must attach a statement to Form W-9 that specifies the
Note: If a requester gives you a form other than Form W-9 to request your following five items:
TIN, you must use the requester’s form if it is substantially similar to this Form W- 1. The treaty country. Generally, this must be the same treaty under which
9. you claimed exemption from tax as a nonresident alien.
For federal tax purposes your are considered a person if your are: 2. The treaty article addressing the income.
• An individual who is a citizen or resident of the United States, 3. The article number (or location) in the tax treaty that contains the saving
• A partnership, corporation, company, or association created or organized in clause and its exceptions.
the United States or under the laws of the Untied States, or 4. The type and amount of income that qualifies for the exemption from tax.
5. Sufficient facts to justify the exemption from tax under the terms
of the treaty article.
Cat. No. 10231X Form W-9 (Rev. 1-2005)
usaw9

62000001 W9
Form W-9 (Rev. 1-2005) Page 2
Example. Article 20 of the U.S.-China income tax treaty allows an
exemption from tax for scholarship income received by a Chinese
Specific Instructions
student temporarily present in the United States. Under U.S. law, this Name
student will become a resident alien for tax purposes if his or her stay in If you are an individual, you must generally enter the name shown on
the United States exceeds 5 calendar years. However, paragraph 2 of the your social security card. However, if you have changed your last name,
first Protocol to the U.S.-China treaty (dated April 30, 1984) allows the for instance, due to marriage without informing the Social Security
provisions of Article 20 to continue to apply even after the Chinese Administration of the name change, enter your first name, the last name
student becomes a resident alien of the United States. A Chinese student shown on your social security card, and your new last name.
who qualifies for this exception (under paragraph 2 of the first protocol) If the account is in joint names, list first, and then circle, the name of the
and is relying on this exception to claim an exemption from tax on his person or entity whose number you entered in Part I of the form.
or her scholarship or fellowship income would attach to Form W-9 a Sole proprietor. Enter your individual name as shown on your social
statement that includes the information described above to support that security card on the “Name” line. You may enter your business, trade,
exemption. or “doing business as (DBA)” name on the “Business name” line.
Limited liability company (LLC). If you are a single-member LLC
If you are a nonresident alien or a foreign entity not subject to (including a foreign LLC with a domestic owner) that is disregarded as
backup withholding, give the requester the appropriate completed Form an entity separate from its owner under Treasury regulations section
W-8. 301.7701-3, enter the owner’s name on the “Name” line. Enter the
LLC’s name on the “Business name” line. Check the appropriate box
What is backup withholding? Persons making certain payments to you for your filing status (sole proprietor, corporation, etc.), then check the
must under certain conditions withhold and pay to the IRS 28% of such box for “Other” and enter “LLC” in the space provided.
payments (after December 31, 2002). This is called “backup Other entities. Enter your business name as shown on required Federal
withholding.” Payments that may be subject to backup withholding tax documents on the “Name” line. This name should match the name
include interest, dividends, broker and barter exchange transactions, shown on the charter or other legal document creating the entity. You
rents, royalties, nonemployee pay, and certain payments from fishing may enter any business, trade, or DBA name on the “Business name”
boat operators. Real estate transactions are not subject to backup line.
withholding. Note: You are requested to check the appropriate box for your status
(individual/sole proprietor, corporation, etc.).
You will not be subject to backup withholding on payments you
receive if you give the requester your correct TIN, make the proper Exempt From Backup Withholding
certifications, and report all your taxable interest and dividends on your If you are exempt, enter your name as described above and check the
tax return. appropriate box for your status, then check the “Exempt from backup
withholding” box in the line following the business name, sign and date
Payments you receive will be subject to backup withholding if: the form.
Generally, individuals (including sole proprietors) are not exempt
1. You do not furnish your TIN to the requester, or from backup withholding. Corporations are exempt from backup
2. You do not certify your TIN when required (see the Part II withholding for certain payments, such as interest and dividends.
instructions on page 4 for details), or Note: If you are exempt from backup withholding, you should still
3. The IRS tells the requester that you furnished an incorrect TIN, complete this form to avoid possible erroneous backup withholding.
or Exempt payees. Backup withholding is not required on any payments
4. The IRS tells you that you are subject to backup withholding made to the following payees:
because you did not report all your interest and dividends on your tax 1. An organization exempt from tax under section 501(a), any IRA,
return (for reportable interest and dividends only), or or a custodial account under section 403(b)(7) if the account satisfies the
5. You do not certify to the requester that you are not subject to requirements of section 401(f)(2);
backup withholding under 4 above (for reportable interest and dividend 2. The United States or any of its agencies or instrumentalities;
accounts opened after 1983 only). 3. A state, the District of Columbia, a possession of the United
States, or any of their political subdivisions or instrumentalities;
Certain payees and payments are exempt from backup withholding. 4. A foreign government or any of its political subdivisions,
See the instructions below and the separate Instructions for the agencies, or instrumentalities; or
Requester of Form W-9. 5. An international organization or any of its agencies or
instrumentalities.
Penalties Other payees that may be exempt from backup withholding
Failure to furnish TIN. If you fail to furnish your correct TIN to a include:
requester, you are subject to a penalty of $50 for each such failure 6. A corporation;
unless your failure is due to reasonable cause and not to willful neglect. 7. A foreign central bank of issue;
Civil penalty for false information with respect to withholding. If 8. A dealer in securities or commodities required to register in the
you make a false statement with no reasonable basis that results in no United States, the District of Columbia, or a possession of the United
backup withholding, you are subject to a $500 penalty. States;
Criminal penalty for falsifying information. Willfully falsifying 9. A futures commission merchant registered with the Commodity
certifications or affirmations may subject you to criminal penalties Futures Trading Commission;
including fines and/or imprisonment. Misuse of TINs. If the requester 10. A real estate investment trust;
discloses or uses TINs in violation of Federal law, the requester may be 11. An entity registered at all times during the tax year under the
subject to civil and criminal penalties. Investment Company Act of 1940;
12. A common trust fund operated by a bank under section 584(a);
13. A financial institution;
14. A middleman known in the investment community as a
nominee or custodian; or
Form W-9 (Rev. 1-2005) Page 3
15. A trust exempt from tax under section 664 or described in Part I. Taxpayer Identification Number (TIN)
section 4947. Enter your TIN in the appropriate box. If you are a resident alien
The chart below shows types of payments that may be exempt from and you do not have and are not eligible to get an SSN, your TIN is
backup withholding. The chart applies to the exempt recipients listed your IRS individual taxpayer identification number (ITIN). Enter it in
above, 1 through 15. the social security number box. If you do not have an ITIN, see How to
IF the payment is for . . . THEN the payment is exempt for . . get a TIN below.
Interest and dividend payments All exempt recipients except for 9
If you are a sole proprietor and you have an EIN, you may enter either
Broker transactions Exempt recipients 1 through 13. Also,
your SSN or EIN. However, the IRS prefers that you use your SSN.
a person registered under the
Investment Advisers Act of 1940 who If you are a single-owner LLC that is disregarded as an entity separate
regularly acts as a broker from its owner (see Limited liability company (LLC) on page 2), enter
Barter exchange transactions and Exempt recipients 1 through 5 your SSN (or EIN, if you have one). If the LLC is a corporation,
patronage dividends partnership, etc., enter the entity’s EIN.
Payments over $600 required to be Generally, exempt recipients 1 through Note: See the chart on page 4 for further clarification of name and TIN
reported and direct sales over $5,000 1 72 combinations.
1
See Form 1099-MISC, Miscellaneous Income, and its instructions. How to get a TIN. If you do not have a TIN, apply for one
2
However, the following payments made to a corporation (including gross immediately. To apply for an SSN, get Form SS-5, Application for a
proceeds paid to an attorney under section 6045(f), even if the attorney is a Social Security Card, from your local Social Security Administration
corporation) and reportable on Form 1099-MISC are not exempt from backup office or get this form on-line at www.socialsecurity.gov/online/ss-
withholding: medical and health care payments, attorneys’ fees; and payments for
services paid by a Federal executive agency.
5.pdf. You may also get this form by calling 1-800-772-1213. Use
Form W-7, Application for IRS Individual Taxpayer Identification
Number, to apply for an ITIN, or Form SS-4, Application for Employer
Identification Number, to apply for an EIN. You can apply for an EIN
online by accessing the IRS website at www.irs.gov/businesses/ or by
calling 1-800-TAX-FORM (1-800-829-3676).
If you are asked to complete Form W-9 but do not have a TIN, write
“Applied For” in the space for the TIN, sign and date the form, and give
it to the requester. For interest and dividend payments, and certain
payments made with respect to readily tradable instruments, generally
you will have 60 days to get a TIN and give it to the requester before
you are subject to backup withholding on payments. The 60-day rule
does not apply to other types of payments. You will be subject to
backup withholding on all such payments until you provide your TIN to
the requester.
Note: Writing “Applied For” means that you have already applied for a
TIN or that you intend to apply for one soon.
Caution: A disregarded domestic entity that has a foreign owner must
use the appropriate Form W-8.
Form W-9 (Rev. 1-2005) Page 4
Part II. Certification What Name and Number To Give the Requester
To establish to the withholding agent that you are a U.S. person, or For this type of account: Give name and SSN of:
resident alien, sign Form W-9. You may be requested to sign by the 1. Individual The individual
withholding agent even if items 1, 4, and 5 below indicate otherwise.
For a joint account, only the person whose TIN is shown in Part I 2. Two or more individuals (joint account) The actual owner of the account or, if
combined funds, the first individual on the
should sign (when required). Exempt recipients, see Exempt from account 1
backup withholding on page 2.
Signature requirements. Complete the certification as indicated in 1 3. Custodian account of a minor (Uniform The minor 2
through 5 below. Gift to Minors Act)
1. Interest, dividend, and barter exchange accounts opened
before 1984 and broker accounts considered active during 1983. 4. a. The usual revocable savings trust The grantor-trustee 1
You must give your correct TIN, but you do not have to sign the (grantor is also trustee)
b. So-called trust account that is not a The actual owner 1
certification.
legal or valid trust under state law
2. Interest, dividend, broker, and barter exchange accounts
opened after 1983 and broker accounts considered inactive during 5. Sole proprietorship or single-owner LLC The owner 3
1983. You must sign the certification or backup withholding will apply.
If you are subject to backup withholding and you are merely providing For this type of account: Give name and EIN of:
your correct TIN to the requester, you must cross out item 2 in the
certification before signing the form. 6. Sole proprietorship or single-owner LLC The owner 3
3. Real estate transactions. You must sign the certification. You Legal entity 4
7. A valid trust, estate, or pension trust
may cross out item 2 of the certification.
4. Other payments. You must give your correct TIN, but you do 8. Corporate or LLC electing corporate The corporation
not have to sign the certification unless you have been notified that you status on Form 8832
have previously given an incorrect TIN. “Other payments” include
payments made in the course of the requester’s trade or business for 9. Association, club, religious, charitable, The organization
rents, royalties, goods (other than bills for merchandise), medical and educational, or other tax-exempt
health care services (including payments to corporations), payments to a organization
nonemployee for services, payments to certain fishing boat crew The partnership
10. Partnership or multi-member LLC
members and fishermen, and gross proceeds paid to attorneys (including
payments to corporations). 11. A broker or registered nominee The broker or nominee
5. Mortgage interest paid by you, acquisition or abandonment
of secured property, cancellation of debt, qualified tuition program 12. Account with the Department of The public entity
payments (under section 529), IRA, Coverdell ESA, Archer MSA or Agriculture in the name of a public entity
HSA contributions or distributions, and pension distributions. You (such as a state or local government,
must give your correct TIN, but you do not have to sign the school district, or prison) that receives
certification. agricultural program payments
1
List first and circle the name of the person whose number you furnish. If only one person on a
joint account has an SSN, that person’s number must be furnished.
2
Circle the minor’s name and furnish the minor’s SSN.
3
You must show your individual name, and you may also enter your business or “DBA” name
on the second name line. You may use either your SSN or EIN (if you have one). If you are a
sole proprietor, IRS encourages you to use your SSN.
4
List first and circle the name of the legal trust, estate, or pension trust. (Do not furnish the TIN
of the personal representative or trustee unless the legal entity itself is not designated in the
account title.)
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.
Privacy Act Notice
Section 6109 of the Internal Revenue Code requires you to provide your correct TIN to persons who must file information returns with the IRS to report interest, dividends,
and certain other income paid to you, mortgage interest you paid, the acquisition or abandonment of secured property, cancellation of debt, or contributions you made to an
IRA or Archer MSA or HSA. The IRS uses the numbers for identification purposes and to help verify the accuracy of your tax return. The IRS may also provide this
information to the Department of Justice for civil and criminal litigation, and to cities, states, and the District of Columbia to carry out their tax laws. We may also disclose
this information to other countries under a tax treaty, to federal and state agencies to enforce federal nontax 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. Payers must generally withhold 28% of taxable interest, dividend, and certain other
payments to a payee who does not give a TIN to a payer. Certain penalties may also apply.
SIGNATURE/NAME AFFIDAVIT
DATE: March 4, 2006
LOAN #: 62000001

BORROWER: JOHN HOMEOWNER

THIS IS TO CERTIFY THAT MY LEGAL SIGNATURE IS AS WRITTEN AND TYPED BELOW.


(This signature must exactly match signatures on the Note and Mortgage or Deed of Trust.)

JOHN HOMEOWNER
(Print or Type Name) Signature

(If applicable, complete the following.)


I AM ALSO KNOWN AS:

POPEYE THE SAILOR


(Print or Type Name) Signature

BULLWINKLE TWO
(Print or Type Name) Signature

and that JOHN HOMEOWNER and POPEYE THE SAILOR and BULLWINKLE TWO
are one and the same person.
State of
County of
Subscribed and sworn (affirmed) before me ______________________________________ this _________ day of
______________________, _______.

Notary Public in and for


the State of
County of
My Commission Expires:
(Seal)

uszname

62000001 SIGAFF
SIGNATURE/NAME AFFIDAVIT
DATE: March 4, 2006
LOAN #: 62000001

BORROWER: MARY HOMEOWNER

THIS IS TO CERTIFY THAT MY LEGAL SIGNATURE IS AS WRITTEN AND TYPED BELOW.


(This signature must exactly match signatures on the Note and Mortgage or Deed of Trust.)

MARY HOMEOWNER
(Print or Type Name) Signature
BY JOHN A. SIGNER, ATTORNEY-IN-FACT

(If applicable, complete the following.)


I AM ALSO KNOWN AS:

(Print or Type Name) Signature

(Print or Type Name) Signature

and that
are one and the same person.
State of
County of
Subscribed and sworn (affirmed) before me ______________________________________ this _________ day of
______________________, _______.

Notary Public in and for


the State of
County of
My Commission Expires:
(Seal)

uszname

62000001 SIGAFF
THE HOUSING FINANCIAL DISCRIMINATION ACT 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
SURROUNDING A HOUSING ACCOMMODATION, 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, NATIONAL ORIGIN OR ANCESTRY.
IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS OR NATIONAL ORIGIN COMPOSITION OF A
NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT SUCH
COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A HOUSING
ACCOMMODATION 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 OF THE 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 FINANCIAL INSTITUTION OR:

[ ] SAVINGS INSTITUTIONS [ ] MORTGAGE COMPANIES


DEPT. OF SAVINGS AND LOAN 300 S. SPRING ST., DEPT. OF REAL ESTATE
STE. 15513, LOS ANGELES, CA 90013 2201 BROADWAY, SACRAMENTO, CA 95818

[ ] NATIONAL BANKS [ ] FEDERAL CREDIT UNIONS


COMPTROLLER OF THE CURRENCY NCUA 2300 CLAYTON RD., STE. 1350
CUSTOMER ASSISTANCE GROUP CONCORD, CA 94520
1301 MCKINNEY STREET, SUITE 3450 DEPARTMENT OF CORPORATIONS
HOUSTON, TX 77010-9050 320 WEST 4TH ST., STE. 750
LOS ANGELES, CA 90013-1105
[ ] NON-MEMBER INSURED BANKS
FDIC [X] DEPARTMENT OF CORPORATIONS
CONSUMER RESPONSE CENTER 1390 MARKET ST., STE. 810
2345 GRAND BOULEVARD, SUITE 100 SAN FRANCISCO, CA 94102
KANSAS CITY, MO 64108
[ ] SAVINGS INSTITUTIONS
[ ] STATE MEMBER BANKS SUPERVISORY AGENT
DEPARTMENT OF FINANCIAL INSTITUTIONS OTS OF SAN FRANCISCO,
300 S. SPRING ST., STE. 15513 1 MONTGOMERY ST., STE. 400
LOS ANGELES, CA 90013-1204 SAN FRANCISCO, CA 94104

[ ] STATE CREDIT UNIONS


DEPARTMENT OF FINANCIAL INSTITUTIONS
801 K. ST., STE. 2124, SACRAMENTO, CA 95814
EQUAL CREDIT OPPORTUNITY ACT FAIR LENDING NOTICE
THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT PROHIBITS CREDITORS FROM DISCRIMINATING AGAINST CREDIT
APPLICANTS ON THE BASIS OF RACE, COLOR, RELIGION, NATIONAL ORIGIN, SEX, MARITAL STATUS, AGE (PROVIDED
THAT THE APPLICANT HAS THE CAPACITY TO ENTER INTO A BINDING CONTRACT); BECAUSE ALL OR PART OF THE
APPLICANT’S INCOME DERIVES FROM ANY PUBLIC ASSISTANCE PROGRAM; OR BECAUSE THE APPLICANT HAS IN
GOOD FAITH EXERCISED ANY RIGHT UNDER THE CONSUMER CREDIT PROTECTION ACT. THE FEDERAL AGENCY THAT
ADMINISTERS COMPLIANCE WITH THIS LAW CONCERNING THIS CREDITOR IS:
[ ] NATIONAL BANKS [ ] NON-MEMBER INSURED BANKS
COMPTROLLER OF THE CURRENCY FDIC
CUSTOMER ASSISTANCE GROUP CONSUMER RESPONSE CENTER
1301 MCKINNEY STREET, SUITE 3450 2345 GRAND BOULEVARD, SUITE 100
HOUSTON, TX 77010-9050 KANSAS CITY, MO 64108

[ ] SAVINGS INSTITUTIONS
SUPERVISORY AGENT OTS OF SAN FRANCISCO [ ] FEDERAL CREDIT UNIONS
1 MONTGOMERY ST., STE. 400 NCUA 2300 CLAYTON RD., STE. 1350
SAN FRANCISCO, CA 94104 CONCORD, CA 94520

[ ] STATE MEMBER BANKS [X] MORTGAGE COMPANIES


DEPARTMENT OF FINANCIAL INSTITUTIONS FEDERAL TRADE COMMISSION
300 S. SPRING ST., STE 15513 EQUAL CREDIT OPPORTUNITY ROOM 4037
LOS ANGELES, CA 90013-1204 WASHINGTON, D.C. 20580
[ ] STATE CREDIT UNIONS
DEPARTMENT OF FINANCIAL INSTITUTIONS
801 K. ST., STE. 2124, SACRAMENTO, CA 95814
I (WE) ACKNOWLEDGE RECEIPT OF THIS NOTICE BY SIGNING BELOW.

Applicant JOHN HOMEOWNER Date Applicant MARY HOMEOWNER Date


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

Applicant Date Applicant Date

Loan Number: 62000001


caecoa

62000001 ECOA
FLOOD HAZARD DETERMINATION
Date: March 4, 2006

Loan Number: 62000001

Borrower(s) Name(s): JOHN HOMEOWNER


MARY HOMEOWNER

Property Address: 111 TBD


SAN RAMON, CALIFORNIA 94583

Pursuant to federal regulations, the Lender has evaluated whether the improved real property or mobile home (the
“Property”) which will secure your loan is located in an area which has been designated by the Director of the Federal Emergency
Management Agency (FEMA) as a special flood hazard area. The lender has determined that, according to the Director of FEMA, the
Property is NOT located in a special flood hazard area. Therefore, flood insurance will NOT be required by the lender as a condition
of this loan transaction.

However, whether or not your Property is presently located in a designated flood hazard area, by signing below, you
acknowledge that in the event of a subsequent determination that flood insurance is required in connection with your loan
(whether due to a remapping of the locale or otherwise), you shall provide and maintain, at your expense, flood insurance in
an amount and with an insurance carrier acceptable to the Lender or its successors and assigns.

Borrower JOHN HOMEOWNER Date Borrower MARY HOMEOWNER Date


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

Borrower Date Borrower Date

cmgflood

62000001 OTHER
CALIFORNIA
Insurance Disclosure
Loan Number
62000001
Borrower
JOHN HOMEOWNER
MARY HOMEOWNER
Property Address
111 TBD
SAN RAMON, CALIFORNIA 94583

California Civil Code Section 2955.5(a) states:

“No lender shall require a borrower, as a condition of receiving or maintaining a loan secured by
real property, to provide hazard insurance coverage against risks to the improvements on that
real property in an amount exceeding the replacement value of the improvements on the
property.”

Your acknowledgment below signifies that this written notice was provided to you pursuant to the state statute.

Borrower JOHN HOMEOWNER Date Borrower MARY HOMEOWNER Date


BY JOHN A. SIGNER, ATTORNEY-IN-FACT

Borrower Date Borrower Date

idcains

62000001 OTHERDISC

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