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Your prompt reply to BAYCAL FINANCIAL CORPORATION or its investor that purchased the mortgage is appreciated. Borrower s Signature Social Security FNMA Form 1097 4/90. BayCal Financial Corporation 2001 Gateway Place Suite 455E San Jose CA 95110 Tel 408 451-9388 Fax 408 451-9788 BORROWERS CERTIFICATION AND AUTHORIZATION The undersigned certify the following 1. I/We have applied for a mortgage loan with BAYCAL FINANCIAL CORPORATION* 2. In applying for the loan I/We completed a loan application containing various information on the purpose of the loan the amount and the source of the down payment employment and income information and asset and liabilities. I/We certify that all of the information is true and complete. I/We made no misrepresentation in the new loan application or other documents nor did I/We omit any pertinent information* 3. I/We understand and agree that BAYCAL FINANCIAL CORPORATION 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* 4. 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 the provisions of Title 18 United States Code Section 1014. AUTHORIZATION TO RELEASE INFORMATION TO WHOM IT MAY CONCERN application process BAYCAL FINANCIAL CORPORATION 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 our Quality Control Program 2. I/We authorize you to provide BAYCAL FINANCIAL CORPORATION and to any investor to whom BAYCAL FINANCIAL CORPORATION may sell my mortgage any and all information and documentation that they may request such information includes but is not limited to employment history and income bank money market and similar account balances credit history and copies of income tax returns. authorization to any party named in the loan application* 4. A copy of this authorization may be accepted as an original* 5. BayCal Financial Corporation 2001 Gateway Place Suite 455E San Jose CA 95110 Tel 408 451-9388 Fax 408 451-9788 BORROWERS CERTIFICATION AND AUTHORIZATION The undersigned certify the following 1. I/We have applied for a mortgage loan with BAYCAL FINANCIAL CORPORATION* 2. In applying for the loan I/We completed a loan application containing various information on the purpose of the loan the amount and the source of the down payment employment and income information and asset and liabilities. I/We have applied for a mortgage loan with BAYCAL FINANCIAL CORPORATION* 2. In applying for the loan I/We completed a loan application containing various information on the purpose of the loan the amount and the source of the down payment employment and income information and asset and liabilities. I/We certify that all of the information is true and complete. I/We made no misrepresentation in the new loan application or other documents nor did I/We omit any pertinent information* 3.

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