The loan for which You are applying involves various disclosures, records, and documents ("Loan Documents"), including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to obtain Your consent to receive Loan Documents from Us in electronic form rather than in paper form. With Your consent, You will also be able to sign and authorize these Loan Documents electronically.

Before We engage in this transaction electronically, it is important that You understand Your rights and responsibilities. Please read the following and affirm Your consent to conduct business with Us electronically. For purposes of this eDisclosure Agreement, "eDisclosures" means the Loan Documents related to this transaction that are provided electronically, "You" and "Your" mean the borrower(s) under the applicable loan to which the Loan Documents apply, and "We", "Our" and "Us" mean the applicable mortgage broker(s), loan processor(s) or mortgage banker(s) with whom You are transacting business for the loan(s).

• Your consent to participate in this transaction electronically will apply to all Loan Documents for the applicable loans for which You are applying. If You provide Your consent by clicking the "I agree" button at the bottom of the page, We will conduct this transaction electronically, instead of providing You with the Loan Documents in paper form.
• If a document related to Your loan is not available in electronic form, a paper copy will be provided to You free of charge.
• Conducting this transaction electronically is an option. If You choose not to accept receipt of eDisclosures, paper Loan Documents will be mailed to You.
• If You do not consent to receive these Loan Documents electronically, or if You subsequently withdraw consent, You will be provided with paper copies of the Loan Documents which You did not consent to receive electronically

You will not be required to pay a fee for receiving paper copies of the Loan Documents.

• You have the right to withdraw Your consent at any time. Declining or revoking Your consent to receive eDisclosures, will result in US providing You with the Loan Documents in paper form.
• If You originally consent to receive eDisclosures, but later decide to withdraw Your consent, You can do so by clicking on the "I do not agree"
  Address: 1190 Winterson Road, Suite 300, Linthicum, MD 21090
• If You originally consent to receive eDisclosures, but later withdraw Your consent, You will be provided with paper copies of the Loan Documents which You did not consent to receive electronically.

• After Your consent is given, You may request from Us paper copies of Your Loan Documents. Please send this request to Us at:
  Phone: 888-233-0099
  Address: 1190 Winterson Road, Suite 300, Linthicum, MD 21090
• If You request paper copies of the Loan Documents: You will not be required to pay a fee for receiving paper copies of the Loan Documents.

In order to receive eDisclosures, You must have a computer with Internet access and an Internet email account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat 7.0 or higher, SSL encryption and access to a printer or the ability to download information in order to keep copies of Your eDisclosures for Your records.

If the software or hardware requirements change in the future, We will notify You of the change. If You choose to withdraw Your consent upon notification of the change then, you will be able to do so without penalty. Paper copies of the Loan Documents will be mailed to You if You choose to withdraw Your consent.

• You must promptly notify Us if there is a change in Your email address or in other information needed to contact You electronically. You can contact Us at:
  Phone: 888-233-0099
  Address: 1190 Winterson Road, Suite 300, Linthicum, MD 21090
• We will not assume liability for non-receipt of notification of the availability of eDisclosures in the event Your email address on file is invalid; Your email or Internet service provider filters the notification as "spam" or "junk mail"; there is a malfunction in Your computer, browser, Internet service and/or software; or for other reasons beyond Our control.

Please click the "I agree" button at the bottom of the page to consent to do business electronically and to view Loan Documents electronically.

1. I/We have applied for a mortgage loan through NFM Inc. dba NFM Lending Inc.
   In applying for the loan;
   I/We gave verbal authorization to obtain my/our credit report prior to the execution of this form; and
   I/We completed a loan application containing various information on the purposes of the loan, the amount and source of the down payment,
   employment and income information, and assets and liabilities. I/We certify that all of the information is true and complete. I/We made no
   misrepresentations in the loan application with the employer and/or other documents, nor did I/We omit any pertinent information.
2. I/We understand and agree that NFM inc. dba NFM Lending Inc. reserves the right to change the mortgage loan review process to a full documentation program. This may include verifying the information provided on the application with the employer and/or the financial institution.
3. I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under Title 18, United States Code, Section 1014.
4. I/We understand that during the loan process NFM Inc. dba NFM Lending Inc. will continue to monitor credit for any undisclosed debt that may impact approval of the application. Furthermore, I/We understand that our credit may be pulled after consummation if our loan is selected for a state, federal, or agency mandated quality control review.

1. I/We have applied for a mortgage loan through NFM Inc. dba NFM Lending Inc. As part of the application process, NFM Inc. dba NFM Lending Inc. may verify information contained in my/our loan application and in other documents required in connection with the loan, either before the loan is closed or as part of its quality control program.
2. I/We understand and agree that NFM Inc. dba NFM Lending Inc. reserves the right to change the mortgage loan review process to a full documentation program. This may include verifying the information provided on the application with the employer and/or the financial institution.
3. NFM Inc. dba NFM Lending Inc. or any investor that purchases the mortgage may address this authorization to any party named in the loan application.
4. A copy of this authorization may be accepted as an original.
5. Your prompt reply to NFM Inc. dba NFM Lending Inc. or the investor that purchased the mortgage is appreciated.

PRIVACY ACT NOTICE: This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor under its program. It will not be disclosed outside the agency except as required by law. You do not have to provide this information, but if you do not your application for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC, Chapter 37(if VA); By 12 USC, Section 1701 et seq. (if FHA); BY 42 USC, Section 1452b (if CPD); and Title 42 USC, 1471 et seq., or 7 USC, 1921 et seq. (if USDA/FmHA).

NOTICE TO BORROWERS: This notice to you as required by the Right to Financial Privacy Act of 1978 that FHA has a right of access to financial records held by financial institutions in connection with the consideration or administration of assistance to you. Financial records involving your transaction will be available to FHA without further notice or authorization but will not be disclosed or released by this institution to another Government Agency or Department without your consent except as require or permitted by law.