)

r.~J'.:~:-:cdcrnl l 'qual Opportunity Act prohibits cr ·di rs from,,sliscriruinating ,1gai11s1 credit a1>r1licants on the basis of race color
religion national ori in sex mari al srnws ag ( rovided that the applicant has the capacity 10 enter into a binding contract); because
all or part of the applicant's income is derived from a publ ic assistance program; or because the applicant has in good faith exercised
any rights under the Consumer Cred it Protec! ion Act. The Federal Agency that administers compliance with this law concern ing th is
? d e r al Trade Commission. Equal Credi I Opportunity, Wash ington, DC 20580.

Initials

Initials
OCCUPANCY STAT DIEl\"f

I/ We hereby certi fy that my/our intenI in seeking thi s loan is to obt~ 1j jnancin° f r purchase or a home to be used as -/our r:irincipal
residcncc•.iri!h occupanc) to bcg,i_rl within 30 da ·· after loan closino

I recogni,:c that any loan made pursuant to this app lication is contingent upon owner occupancy and agree thal ( 1) failure to occupy
the properly as provided in this certi fication shall constitute a DEFAULT under the terms of the loan, and (2) in case of such default, I
I1ust upon recall of the loan by Lender, immediately pay the full balance o f the loan and any other amounts to which the Lender is
fau lt.

lniIials
COPY O F Al'PIU I ·,\ I. I{ •l'O R I"

You have the right 10 a copy of the appraisal report to be obtained in connection wi th the loan for which you are applying, provided
that you have paid for or are willing to pay for the appraisal. If you want a copy of the appraisal report, please call (305) 500-9501 or
submit a wri tten request to the following address:

BANK OF CORAL GABI.ES

95 MF.RRICK WAY
CORAL GABLES. FL 33 I 34

The signature(s) below ack nowledges your receipt of this notice of your right to a copy o f thc appraisal report. Please keep th is notice
~ r loan records.

Initials

Initials
FII A LOANS O~L\'

lf ):'OU prepay your loan on other than the regular installment date, you may be assessed interest charges 11nti l Ihe end of that month.

~
Initials
Gon :RN'.\IE:\T l ,OANS ONL Y

RIGHT TO FINANCIAL PRIVACY ACT OF 197&- This is notice to you as required by the Right of Financial Privacy Act of 1978
that the Department of Housing and Urban Development or Department o Veterans Affairs has a righl o f access to financial records
held by a financial insti tution in con nection w ith the con~ideration of administration of assistance 10 you. Financial records involving
your transaction will be available to the Depmimenl of I lousing and Urban Development or Department of Veterans Affairs without
furIher noti ce or authori7.ation but, wi ll not be disclosed or released to another Governmen t agency or Departmen t without your
consent cxc >t as required or permitted by law.

Initials
D I PLO\".\IENT CERTI FI CATION

An approval for a loan is based upon em lo mem income and obl ig1_1tions as sho,\n on the Joa 1 p licaIio At closing, the applicant
and co-applicant/spouse. i f appl icable, are required to execute a sworn statement affirm ing Ihat they are currently working as
previously reported, have not received notice of layoff nor have knowledge of pending layoff, and that outstanding obligations are
su bstantial ly the same as reported on the appl ication. Should a change occur in your employment or fi nancial status prior to loan
closing, immediately notify your loan ofticer, as it will be necessary co obtain approval of any changes.
4
 To al l Prospective Oorrowers:

In compliance wi th the Equal Credit Oppoitunily Act, the following not ice must be I>rovided 10 all mortgage appl icants:

HE FEDERAL EQUAi. CREDIT OPPORTUNITY /\CT PROHIBITS CREDI TORS FROM DISCRIM INATION /\GAINS.I
CREDIT APPLrCAm.<; ON THE l3bSIS 0,E R O
.·o O { NATIONAL ORIG IN SEX MARITAL STATUS, AG -
(PROVIDING Tl IAT THE APPLI CANT HAS THE CAPACITY TO ENTER INTO A BINDING CONTRACT); BECAUSE ALL
OR PART OF THE APPLICANT'S INCOME DERIVES FROM AN Y PUBI.IC ASSISTANCE UNDER THE CONSUMER
CREDIT PROTECTION ACT, T I IE f'EDE RAL AGENCY TIIAT ADMINISTERS COMPLIANCE WITH THIS LAW
CONCERNING THE DEPA RTM ENT OF HOUSING ANO URBAN DEVELOPM ENT IS THE FEDERAL TRADE
COMMISSION, EQUAL CREDIT OPPORTUNIT Y, WASI IINGTON, DC 20580.

According to the act, certain types of income need not be disclosed to the creditor, including alimony, child support , or maintenance
payments. We wi ll not ask you if you receive income from these sources. If you wish to have this in formation included for your loan
application, you may voluntarily divulge this source of income, which may include copies o f divorce decree and letters from Friend of
the Court.

T he Equal Credit Opportunity Act states that the appl icant is ent itled to receive a copy of the appraisal report.

Applicnnts may receive a copy of the appraisal report by sub mitting a written req uest and check for $3.00 to cover copying and
postage, made payable to 13ank of Coral Gob les. Wri tten request must be made withi n 90 days of the loan a1>pl ication date.

13ank of Coral Gables has 30 days from receipt o f the wr itten request to provide a copy of the report.

In the event you woul d like to have a co-signer on this credit instrument. please inform the i ndi vidual taking the application. If a co-
signer is used we full y document the income, financial position, and credit of the co-signer.

NOTICE RE ACT
rior to your i rw appl rca1ion for financing. we will order n credit re ion- and aner receipt of the report and support in° credi t
i nformation, an application wi ll be prepared fo ·our signature

@ I' LOY\ IENT

n approval for a loan rs based upon em loymcnt income and obliga 1 1s s ow i he oan ap11 ·cation. A t clos ing, the ap!llican
and co-applicant/s11ousc, i fa121>licabl e. are required to execute a sworn statement affirming that they arc working as reported, and have
not received notice of or have any knowledge of a pending layoff; and that the outstanding obl igations are substantially the same as
reported on the application. Should a change occur in your employment or fi nancial status prior to loan clos ing, immediately noti fy
this company, as it wi ll be necessary 10 approve any changes.

ANT I -COERC ION ST ATEMENT

NOTE: IF THE PROPERTY IS LOCATED IN A Fl..OOO HAZARD AREA, FLOOD INSURANC13 WILL OE REQUIRED.

The fol lowing statement is required under Ruic 4-3.02 of the rules and regulations. promulgated by the Insurance Commissioner
relative to anti-coercion.

The Insurance Laws of the United States of A merica and Florida provide that the lender may not require the borrower to
take insurance through any particular insurance agent or company to protect the mortgage property.

The borrower, subject to the rules adopted by the Insurance Commissioner, has the right to have the insurance agent or
company of his choice. provided the company meets the requirement of the lender. The lender has the right 10 determine fi nancial
requirements as to the company and the adequacy of the coverage.

I select _ _ _ __ __ _ __ _ __ _ _ _ __ _ to write the hawrdtnood i nsurance covering the property in question.

NOTICETOTII E RI GIITOFFI NA:\ -1 \ PRI VACY

T 11s rs a noti ce 10 you. as required by the Righ t 10 Financial Privacy Act or I91£,..JJi at the Veterans Administration or Departmciii"iio
lousing ancf Urban Dcvelo mcnt which v r is al)),!ro, .-ate l1as 1he right to financial institutions in conncctiot or administration
assistance to ·ou. Financial Records involv ing your transactions wil l be available to VA or HUD without further notice or
authorization; bul wi ll 1101 be disclosed or released to another Government Agency or Depart men t without your consent, except as
required or perm itted by l aw.
 )

RORIDA INFORMATIONAL Q!SCLOS,UREs)

r 1s 1sc osure 1s cmg prov,dc< 10 you r.ursua1ll 10 the Statu~s ha tcr 491-?4~ .'cci' 3 to 49 (a copy will be provided upon
request). T he puq>ose of this disclosure is to notify you of the procedures and conditions connected with your resident ial mortgage
loan appl ication with Bank of Coral Gabl es.

A n application tee of S420.00 is to be collected at time of application.

CHECK ONE:
D This fee is non-refundable and wil l be credited towards the credit report, appraisal, and cou rier tee. (Conventional Mortgage
Loans)
"'15(-Tliis fee wi ll be credited towards the cost or the credit rcpon and appraisal. A ny unused portion of this fee will be refunded upon
ilFcclosing or cancellation of your res idential mortgage loan application. (FHNVA Mortgage Loans)

T he submission for the creel it approval of your residential mortgage loan request shou ld be completed within 30 days of receipt of
your completed appl ication. Delays and problems may occu r in the processing and closing of the loan application which are beyond
the comrol of the lender, such as changes in the appl icable laws and/or modifications of programs and procedures of outside agencies,
including but not limited to, the Federal Housing Adm inistration (FHA), Department of Veterans A ffairs (VA), Government National
Mortgages (GNMA}, Federal National Mortgage Association (FNMA), or a private investor. Delays may also be caused by
information received by third parties such as: an a1>praised value different than that indicated, cred it obligations, payment history
and/or balances different that those disclosed at the time of appl icati on. In addition, problems could result in his/her ineligibil ity for a
loan request.

You may withdraw your request for the residential mortgage loan without penalty or responsibil ity for pay ing additional fees or
charges by the lender (except those costs extended on your behall), at any time prior to a commitment.

Should you have any comments. questions. or compla ints. please contact the Branch Manager at (305) 500-950 I .
By signing below, I/we acknowledge the I/we have read iu,d understand the above. I/ we have received a copy o f this disclosure.

I/WE HAVE READ THE FOREGOfNG STAT EMENTS, AND UNDERSTAND THE Rl GHTS ANO PRIVILEGES TO EACII
STATEMENT. I/WE ALSO ACKNOWLEDGE REC EIPT OF A COPY or ·'HUD GU IDE TO SETl'LEMENT COSTS"
SUPPLIED BY T HIS BORK ER/ LEND ER.

Borrower

Borrower _ __ __ __ _ _ _ _ _ __ _ __ _ _ _ _ __ _ Date _ _ _ _ _ _ _ __

Borrower _ _ __ _ __ _ __ _ _ _ __ __ _ _ _ _ __ _ Date _ __ _ _ _ _ __

Borrower _ _ _ __ __ _ _ _ _ _ _ _ _ __ _ _ __ _ __ Date _ _ _ __ _ _ __