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Anti-Steering DisclosureDate Prepared:Loan Number:Borrower Name(s):You have applied for a mortgage loan through your mortgage broker, [insert broker name]. The loan options belowprovide you with detailed rate and loan cost information to assist you in choosing the correct loan for your particularsituation. Carefully review the loan options presented below.Type of Transaction:Interest RateOption 1Option 2Loan with the lowest Interest RateLoan with the lowest interest rate without negativeamortization, a prepayment penalty, interest-onlypayments, a balloon payment in the first 7 years of thelife of the loan, a demand feature, shared equity, orshared appreciation.Option 3Loan with the lowest total dollar amount for Originationpoints or fees and Discount pointsYou are applying for a loan with the following termsTotal Originationpoints or fees andDiscount points%% % % If you expressed an interest rate in an adjustable rate loan and if the loans’ initial interest rate is fixed for at least 5 years,the “Interest Rate” disclosed in this document is the initial rate that would be in effect at consummation. If the loan’s initialinterest rate is not fixed for at least 5 years, the Interest Rate is the fully-indexed rate that would be in effect atconsummation without regard to any initial discount or premium.This is not a lock-in agreement or a loan commitment. The interest rate and fees described throughout this disclosureare available on the date the document was prepared and they maybe subject to change if you have not locked yourinterest rate. Once you lock your loan, you are agreeing to close your loan within a certain period of time and at a certaininterest rate. If you instruct your mortgage broker to lock your loan, your mortgage broker can explain to you the InterestRate and fees you will pay.Be sure that you understand and are satisfied with the product and terms that have been offered to you.Signed:Borrower SignatureDate:Borrower SignatureDate:Borrower SignatureDate:Borrower SignatureDate:

Certification of Receipt of GFE and Intent to ProceedI certify that I have received the Good Faith Estimate (GFE) dated . I alsointend to proceed with the loan according to the terms outlined on the GFE. I am aware of thetolerances of each of the charges listed on the GFE. If any charges will be increased for anyreason, I will be notified within three days of the change of the fee.Borrower Name:Borrower Name:Signature:Signature:Date:Date:Borrower Name:Borrower Name:Signature:Signature:Date:Date:United Fidelity Funding, Corp. Certification of Receipt of GFE and Intent to Proceed1

HOMEOWNERSHIP COUNSELING NOTICELoan Number:Date:Provided By:Borrower(s):Property Address:Housing counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD) can offerindependent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives andcircumstances, often at little or no cost.If you are interested in contacting a HUD-approved housing counseling agency in your area, you can visit theConsumer Financial Protection Bureau's (CFPB) website, www.consumerfinance.gov/find-a-housing-counselor, andenter your zip code.You can also access HUD's housing counseling agency website via www.consumerfinance.gov/mortgagehelp.For additional assistance with locating a housing counseling agency, call the CFPB at 1-855-411-CFPB (2372).By signing below, I/we acknowledge that I/we have read and received a copy of this werDateBorrowerDateBorrowerDateHOMEOWNERSHIP COUNSELING NOTICE12 CFR 1024.20(a)HCN.MSC 01/10/14www.docmagic.com

4506-TForm(Rev. January 2012)Department of the TreasuryInternal Revenue ServiceRequest for Transcript of Tax Return Request may be rejected if the form is incomplete or illegible.OMB No. 1545-1872Tip. Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by usingour automated self-help service tools. Please visit us at IRS.gov and click on "Order a Transcript" or call 1-800-908-9946. If you need a copy of your return, useForm 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 nameshown first.1b First social security number on tax return, individual taxpayer identificationnumber, or employer identification number (see instructions)2a If a joint return, enter spouse’s name shown on tax return.2b Second social security number or individual taxpayeridentification number if joint tax return3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code (see instructions)4 Previous address shown on the last return filed if different from line 3 (see instructions)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.Caution. If the tax transcript is being mailed to a third party, ensure that you have filled in lines 6 through 9 before signing. Sign and date the form onceyou have filled in these lines. Completing these steps helps to protect your privacy. Once the IRS discloses your IRS transcript to the third party listedon line 5, the IRS has no control over what the third party does with the information. If you would like to limit the third party's authority to disclose yourtranscript information, you can specify this limitation in your written agreement with the third party.Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax formnumber per request. 6aReturn Transcript, which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflectchanges made to the account after the return is processed. 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 yearand returns processed during the prior 3 processing years. Most requests will be processed within 10 business days . . . . . .bAccount Transcript, which contains information on the financial status of the account, such as payments made on the account, penaltyassessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liabilityand estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 30 calendar days.cRecord of Account, which provides the most detailed information as it is a combination of the Return Transcript and the AccountTranscript. Available for current year and 3 prior tax years. Most requests will be processed within 30 calendar days . . . . . . .78Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only availableafter June 15th. There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days . .Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data fromthese information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide thistranscript 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 2010, filed in 2011, will not be available from the IRS until 2012. If you need W-2 information for retirementpurposes, 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 filedwith your return, you must use Form 4506 and request a copy of your return, which includes all attachments.9Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than fouryears or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must entereach quarter or tax period separately.Check this box if you have notified the IRS or the IRS has notified you that one of the years for which you are requesting a transcriptinvolved identity theft on your federal tax return . . . . . . . . . . . . . . . . . . . . . . . . . . .Caution. Do not sign this form unless all applicable lines have been completed.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 taxinformation requested. If the request applies to a joint return, either husband or wife must sign. If signed by a corporate officer, partner, guardian, taxmatters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506-T onbehalf of the taxpayer. Note. For transcripts being sent to a third party, this form must be received within 120 days of the signature date.Phone number of taxpayer on line1a or 2a SignHereSignature (see instructions)DateTitle (if line 1a above is a corporation, partnership, estate, or trust)Spouse’s signatureFor Privacy Act and Paperwork Reduction Act Notice, see page 2.DateCat. No. 37667NForm 4506-T (Rev. 1-2012)

Form 4506-T (Rev. 1-2012)PageSection references are to the Internal RevenueCode unless otherwise noted.What's NewThe IRS has created a page on IRS.gov forinformation about Form 4506-T atwww.irs.gov/form4506. Information about anyrecent developments affecting Form 4506-T(such as legislation enacted after we released it)will be posted on that page.General InstructionsCAUTION. Do not sign this form unless allapplicable lines have been completed.Purpose of form. Use Form 4506-T to requesttax return information. You can also designate(on line 5) a third party to receive the information.Taxpayers using a tax year beginning in onecalendar year and ending in the following year(fiscal tax year) must file Form 4506-T to requesta return transcript.Note. If you are unsure of which type of transcriptyou need, request the Record of Account, as itprovides the most detailed information.Tip. Use Form 4506, Request for Copy ofTax Return, to request copies of tax returns.Where to file. Mail or fax Form 4506-T tothe address below for the state you lived in,or the state your business was in, when thatreturn was filed. There are two address charts:one for individual transcripts (Form 1040 seriesand Form W-2) and one for all other transcripts.If you are requesting more than one transcriptor other product and the chart below shows twodifferent addresses, send your request to theaddress based on the address of your mostrecent return.Automated transcript request. You can quicklyrequest transcripts by using our automatedself-help service tools. Please visit us at IRS.govand click on “Order a Transcript” or call1-800-908-9946.Chart for individual transcripts(Form 1040 series and Form W-2and Form 1099)If you filed anindividual returnand lived in:Mail or fax to the“Internal RevenueService” at:Alabama, Kentucky,Louisiana, Mississippi,Tennessee, Texas, aforeign country, AmericanSamoa, Puerto Rico,Guam, theCommonwealth of theNorthern Mariana Islands,the U.S. Virgin Islands, orA.P.O. or F.P.O. addressRAIVS TeamStop 6716 AUSCAustin, TX 73301Alaska, Arizona, Arkansas,California, Colorado,Hawaii, Idaho, Illinois,Indiana, Iowa, Kansas,Michigan, Minnesota,Montana, Nebraska,Nevada, New Mexico,North Dakota, Oklahoma,Oregon, South Dakota,Utah, Washington,Wisconsin, WyomingRAIVS TeamStop 37106Fresno, CA 93888Connecticut, Delaware,District of Columbia,Florida, Georgia, Maine,Maryland, Massachusetts,Missouri, New Hampshire,New Jersey, New York,North Carolina, Ohio,Pennsylvania, RhodeIsland, South Carolina,Vermont, Virginia, WestVirginiaRAIVS TeamStop 6705 P-6Kansas City, MO 64999512-460-2272559-456-5876816-292-6102Chart for all other transcriptsIf you lived inor your businesswas in:Alabama, Alaska,Arizona, Arkansas,California, Colorado,Florida, Hawaii, Idaho,Iowa, Kansas,Louisiana, Minnesota,Mississippi,Missouri, Montana,Nebraska, Nevada,New Mexico,North Dakota,Oklahoma, Oregon,South Dakota, Texas,Utah, Washington,Wyoming, a foreigncountry, or A.P.O. orF.P.O. addressConnecticut,Delaware, District ofColumbia, Georgia,Illinois, Indiana,Kentucky, Maine,Maryland,Massachusetts,Michigan, NewHampshire, NewJersey, New York,North Carolina,Ohio, Pennsylvania,Rhode Island, SouthCarolina, Tennessee,Vermont, Virginia,West Virginia,WisconsinMail or fax to the“Internal RevenueService” at:RAIVS TeamP.O. Box 9941Mail Stop 6734Ogden, UT 84409801-620-6922RAIVS TeamP.O. Box 145500Stop 2800 FCincinnati, OH 45250859-669-3592Line 1b. Enter your employer identificationnumber (EIN) if your request relates to abusiness return. Otherwise, enter the firstsocial security number (SSN) or your individualtaxpayer identification number (ITIN) shown onthe return. For example, if you are requestingForm 1040 that includes Schedule C (Form1040), enter your SSN.Line 3. Enter your current address. If you use aP. O. box, include it on this line.Line 4. Enter the address shown on the lastreturn filed if different from the address enteredon line 3.Note. If the address on lines 3 and 4 are differentand you have not changed your address with theIRS, file Form 8822, Change of Address.Line 6. Enter only one tax form number perrequest.Signature and date. Form 4506-T must besigned and dated by the taxpayer listed on line1a or 2a. If you completed line 5 requesting theinformation be sent to a third party, the IRS mustreceive Form 4506-T within 120 days of the datesigned by the taxpayer or it will be rejected.Ensure that all applicable lines are completedbefore signing.2Individuals. Transcripts of jointly filed taxreturns may be furnished to either spouse. Onlyone signature is required. Sign Form 4506-Texactly as your name appeared on the originalreturn. If you changed your name, also sign yourcurrent name.Corporations. Generally, Form 4506-T can besigned by: (1) an officer having legal authority tobind the corporation, (2) any person designatedby the board of directors or other governingbody, or (3) any officer or employee on writtenrequest by any principal officer and attested toby the secretary or other officer.Partnerships. Generally, Form 4506-T can besigned by any person who was a member of thepartnership during any part of the tax periodrequested on line 9.All others. See section 6103(e) if the taxpayerhas died, is insolvent, is a dissolved corporation,or if a trustee, guardian, executor, receiver, oradministrator is acting for the taxpayer.Documentation. For entities other thanindividuals, you must attach the authorizationdocument. For example, this could be the letterfrom the principal officer authorizing anemployee of the corporation or the letterstestamentary authorizing an individual to act foran estate.Privacy Act and Paperwork Reduction ActNotice. We ask for the information on this formto establish your right to gain access to therequested tax information under the InternalRevenue Code. We need this information toproperly identify the tax information and respondto your request. You are not required to requestany transcript; if you do request a transcript,sections 6103 and 6109 and their regulationsrequire you to provide this information, includingyour SSN or EIN. If you do not provide thisinformation, we may not be able to process yourrequest. Providing false or fraudulent informationmay subject you to penalties.Routine uses of this information include givingit to the Department of Justice for civil andcriminal litigation, and cities, states, the Districtof Columbia, and U.S. commonwealths andpossessions for use in administering their taxlaws. We may also disclose this information toother countries under a tax treaty, to federal andstate agencies to enforce federal nontax criminallaws, or to federal law enforcement andintelligence agencies to combat terrorism.You are not required to provide theinformation requested on a form that is subjectto the Paperwork Reduction Act unless the formdisplays a valid OMB control number. Books orrecords relating to a form or its instructions mustbe retained as long as their contents maybecome material in the administration of anyInternal Revenue law. Generally, tax returns andreturn information are confidential, as required bysection 6103.The time needed to complete and file Form4506-T will vary depending on individualcircumstances. The estimated average time is:Learning about the law or the form, 10 min.;Preparing the form, 12 min.; and Copying,assembling, and sending the form to the IRS,20 min.If you have comments concerning theaccuracy of these time estimates or suggestionsfor making Form 4506-T simpler, we would behappy to hear from you. You can write to:Internal Revenue ServiceTax Products Coordinating CommitteeSE:W:CAR:MP:T:M:S1111 Constitution Ave. NW, IR-6526Washington, DC 20224Do not send the form to this address. Instead,see Where to file on this page.

1300 NW Briarcliff Parkway, Ste 275 Kansas City, MO 64152 Phone: (866) 760-0600 ' www.uffwholesale.com . Underwriting Exception Request Form