Your Consent To Do Business Electronically (the eDisclosure Agreement)

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 certain 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, rather than on paper.


Before We can 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 such 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 such loan(s).

YOUR CONSENT

<ul>
<li>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.</li>
<li>If a document related to Your loan is not available in electronic form, a paper copy will be provided
to You free of charge.</li>
<li>Conducting this transaction electronically is an option. If You choose not to accept receipt of
eDisclosures, paper Loan Documents will be mailed to You.</li>
<li>If You do not consent to receive these Loan Documents electronically, You will be provided with
copies of the Loan Documents in paper form. Additionally:
You will not be required to pay a fee for receiving paper copies of the Loan Documents.</li></ul>

WITHDRAWAL OF CONSENT

<ul>
<li>You have the right to withdraw Your consent at any time. By declining or revoking Your consent to
receive eDisclosures, We will provide You with the Loan Documents in paper form.</li>
<li>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" button, or by notifying Us at:
Phone: 714-831-4000
Address: 10 Pointe Drive Suite 330,Brea,CA 92821</li>
<li>If You originally consent to receive eDisclosures, but later withdraw Your consent:
You will not be required to pay a fee for withdrawing consent and receiving paper copies of the
Loan Documents.</li></ul>

OBTAINING PAPER COPIES

<ul>
<li>After Your consent is given, You may request from Us paper copies of Your Loan Documents.
Please send this request to Us at:
Phone: 714-831-4000
Address: 10 Pointe Drive Suite 330,Brea,CA 92821</li>
<li>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.</li>
</ul>
 SYSTEM REQUIREMENTS

<ul>
<li>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.</li>
<li>If the software or hardware requirements change in the future, and You are unable to continue
receiving eDisclosures, paper copies of such Loan Documents will be mailed to You once You
notify Us that You are no longer able to access the eDisclosures because of the changed
requirements. We will use commercially reasonable efforts to notify You before such requirements
change. If You choose to withdraw Your consent upon notification of the change, You will be able
to do so without penalty.
</li>
</ul>

HOW WE CAN REACH YOU

<ul>
<li>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:</li>
Phone: 714-831-4000
Address: 10 Pointe Drive Suite 330,Brea,CA 92821</li>
<li>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.</li>
</ul>
Please click the "I agree" button at the bottom of the page to consent to do business electronically and
to view Loan Documents electronically.