Thank you for your business! To avoid any delays in the ...

1 Thank you for your business ! To avoid any delays in the acceptance of your loan, all items listed below must be included in the Broker Disclosure Package upload. (Refer to the last page in this attachment for How To instructions) Required documents for all submissions A signed1, complete 1003 and accurate property address, including ZIP Code has been entered into the Portal. (1003 must be signed by broker s originating loan officer) Legible purchase contract with all counter offers and addendums signed1 by all parties to the transaction (purchases only) Estimated Closing Statement or other acceptable Loan Estimate Settlement Services Fee Verification from the escrow//title company (If purchase, include buyer and seller paid items) Closing Disclosure Requirements Checklist INFORMATION REQUIRED at SUBMISSION Submissions without a fully completed checklist will experience delays in issuance of the CD (See CD checklist in packet) Preliminary Title Report Vesting in borrower s name for a refinance and all liens and judgments have been addressed Broker initial Loan Estimate (LE)

2 And any revised Broker s Service Provider List Signed2 and dated Certification & Authorization Signed2 and dated Union Bank IRS 4506-T (click here) Signed2 and dated Broker Relationship Disclosure Signed2 and dated No Up Front Fees Certification Signed2 and dated Loan Estimate (LE) Certification Signed2 and dated Housing Counseling Acknowledgement Required documents if applicable Credco International Credit Report Order Form. Please contact your AE or visit the Broker Resource Center for the appropriate form (if applicable) Appraisal Delivery Waiver (if applicable) Broker Request for Flex Equity Terms (if applicable) Borrower Paid Compensation Confirmation (if applicable) Please contact your Union Bank Representative for any questions. RLO form Wholesale Empower Checklist Broker Disclosure Package Rev.

3 1/15/2019 Note: Electronic Signature is not allowed for the JS30 Saleable product For all other product: 1 Electronic Signatures are acceptable (no e-signature certificate required) 2 Electronic Signatures are acceptable (e-signature certificate required to provide evidence authentication). An acceptable example is provided at the end of this packet. Rev 1/10/19 Checklist Closing Disclosure Requirements ALL THE BELOW INFORMATION IS REQUIRED TO ISSUE THE INITIAL CD Submissions without the checklist or an incomplete checklist will experience delays in issuance of the CD 1. Does the borrower wish to receive disclosures and customer notices electronically from Union Bank?No Yes. Confirm correct email address: 2. Insurance Declaration Page(s) for all applicable hazard and flood policies.

4 Quotes are acceptable on purchases (for CDpurposes only).3. Provide the following information for Settlement agent (title/escrow):Settlement agent: Settlement agent license number: OR and WA CA, if agent doesn't have license use Company/Org license # Settlement agent company/organization: Settlement agent organization license number: Settlement agent email address: 4. Most recent Estimated Closing Statement from Escrow. Purchases: Closing Statement must include both buyer and seller Using Power of Attorney?No Yes Provide the borrower s initial signed 1003, copy of the completed POA and closing statement with any associated fees must be provided prior to docs. 6. If the Broker disclosed and wants to be reimbursed for the broker s credit report at Closing, please provide the credit report provider sname.

5 Name of Credit Report Provider:7. Who is paying for the appraisal? Broker Broker to be reimbursed? Yes, refund my credit card post-closing. No. Do not refund my credit card. Borrower Response required on all transactions: 8. In the event a cure is incurred, borrower has the option to apply cure as a principle reduction or as a credit toward closingcost. What is the borrower s preference?Credit towards closing fees Principal reduction **Purchase Submissions - Continue on next page** Rev 1/10/19 Complete for all Purchase Submissions (not required for builders/new construction) Selling Broker (agent for Buyer) Company License# Realtor Name License# Phone # Fax # Email Address Address City, Zip, State Listing Broker (agent for Seller) Company License# Realtor Name License# Phone # Fax # EmailAddress Address City, Zip, State We appreciate your business !

6 If you have any questions, please contact your Union Bank Representative. Borrowers Certification and AuthorizationVMP 03/2018 Wolters Kluwer Financial Services Page 1 of 2 Borrower Certification and AuthorizationMortgage Loan OriginatorMUFG Union Bank, Towne Centre DriveSan Diego, CA 92121 BorrowerDate: Loan Number: Credit AuthorizationI/We authorize the Mortgage Loan Originator to obtain such information as the Mortgage Loan Originator may requireto verify the statements in my/our application, including obtaining consumer reports and making credit, banking andemployment inquiries. In connection with my/our application for credit from the Mortgage Loan Originator and anysubsequent financial products or services the Mortgage Loan Originator may offer, I/we consent to the Mortgage LoanOriginator obtaining one or more consumer credit reports on me/us from time to time.

7 The Mortgage Loan Originatormay provide a copy of this Credit Authorization to the consumer reports agencies. My/our other creditors, bankers andemployer(s) may rely upon this authorization herein as if such authorizations were made directly to them and they areauthorized to respond directly to the Mortgage Loan undersigned certify the following: I (Borrower) have applied for a mortgage loan from Mortgage Loan Originator (MUFG Union Bank, ). Inapplying for the loan, I completed a loan application containing information which may include the purpose of the loan,the amount and source of the down payment, employment and income information, and assets and liabilities. I certify thatall of the information is true and complete. I made no misrepresentations in the loan application or other documents, nordid I omit any pertinent understand and agree that Mortgage Loan Originator reserves the right to change the mortgage loan review process to afull documentation program.

8 This may include verifying the information provided on the application with the employerand/or the financial fully understand that it is a federal crime punishable by fine or imprisonment, or both, to knowingly make any falsestatements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, to Release InformationTo Whom It May Concern:I have applied for a mortgage loan from Mortgage Loan Originator (MUFG Union Bank, ). As part of theapplication process, Mortgage Loan Originator may verify information contained in my loan application and in otherdocuments required in connection with the loan, either before the loan is closed or as part of its quality control Certification and AuthorizationVMP 03/2018 Wolters Kluwer Financial Services Page 2 of 2I authorize you to provide to Mortgage Loan Originator, and to any investor to whom Mortgage Loan Originator may sellmy mortgage, any and all information and documentation that they request.

9 Such information includes, but is not limitedto, employment history and income; bank, money market, and similar account balances; credit history; and copies ofincome tax Loan Originator or any investor that purchases the mortgage may address this authorization to any party namedin the loan application or disclosed by any consumer credit reporting agency or similar copy of this authorization may be accepted as an prompt reply to Mortgage Loan Originator or the investor that purchased the mortgage is to FHA or VA Borrowersl This is notice to you as required by the Right to Financial Privacy Act of 1978 that the Department of Housingand Urban Development or Department of Veterans Affairs has a right of access to financial records held by financialinstitutions in connection with the consideration or administration of assistance to you.

10 Financial records involving yourtransaction will be available to the Department of Housing and Urban Development or Department of Veterans Affairswithout further notice or authorization but will not be disclosed or released by this institution to another GovernmentAgency or Department without your consent except as required or permitted by DateRLO Broker Relationship Disclosure Page 1 05/17/2018 BROKER RELATIONSHIP DISCLOSURE (to be signed by applicant and mortgage broker) You are using a mortgage broker to apply for a residential mortgage loan. To assist you in choosing the correct loan for your particular financial situation, your mortgage broker will provide you with rate and cost information for different loan options. Once you have selected a loan option, the mortgage broker will submit your application for a residential mortgage loan to a participating lender with which the mortgage broker has an agreement to submit such loans.