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Sacramento Wholesale Mortgage Direct Lending

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					                     Sacramento Wholesale Mortgage
              .      Direct Lending
                             Broker Application Check List
                            Send the following information to:
                            Sacramento Wholesale Mortgage
                                    Broker Approval
                                     2782 21st Street
                                  Sacramento Ca 95818


      Application (completed and signed)
      W-9
      Executed Broker Agreement
      Corporate Resolution
      Agency Approval Letter
      Financials Statements last 2 years
      Year to Date P & L and Balance Sheet
      Resumes of Principals
      Copies of Affiliated Business Disclosures
      Complete Office Inspection (SMI to Complete)
      Broker reference verification
      List of Loan Officers and Staff

A credit investigation will be required for approval. If desired you may provide a tri-
merge credit or full RMCR dated not more than six months prior to this application.
Other wise we will pull our tri merge credit report.
Signature and social security number on the application are required even if credit report
is provided.
              Sacramento Wholesale Mortgage
            .
              Direct Lending Application
                          Broker
                                         Broker Application

I.
Legal Company Name                 ______________________________________________________________________

Principal Address                  ______________________________________________________________________

                                   ______________________________________________________________________

Telephone Number                   ______________________________________________________________________

Federal Tax I.D. Number            ______________________________________________________________________

State License I.D. Number          ______________________________________________________________________


Fax Number:       ____________________________________________ For Rate Sheet Only

Fax number:       ____________________________________________ For Underwriting

Fax Number:       ____________________________________________ For Marketing


Principal contact                  _______________________________________________________________
                                   Name
II
List of Principal Officers:

_____________________________________________________________         ___________________________________
Name                                                                  Title

_____________________________________________________________         ___________________________________
Name                                                                  Title

_____________________________________________________________         ___________________________________
Name                                                                  Title

(For SWM Use)
A.E.____________________________            Broker Number_________________
                                                 Page 1 of 5
III.
Additional company Information

This company was established (month/year) _____/____ under the laws of the state of
____________________ and is organized as a/an

Corporation             ________
Limited Liability Co.   ________
Limited partnership     ________
Partnership             ________
Sole Proprietorship     ________
Other (explain)         ________

        Company Breakdown of production for last 2 most recent fiscal years:
                     (this section is required for al applicants)
                 year one                                         year two
Conventional %_________          $____________               %________             $________
FHA           %_________ $____________                       %________             $________
VA            %_________ $____________                       %________             $________
Sub prime     %_________ $____________                       %________             $________

Does any principal of your firm have ownership or interest in any real estate related business?
Yes__________           No__________ if yes please explain below:




IV.
Agency Approvals:
       FreddieMac       Mo./Yr.   ______ / ______I.D. No. ___________________________
       FannieMae        Mo./Yr.   ______ / ______I.D. No. ___________________________
       GNMA             Mo./Yr.   ______ / ______I.D. No. ___________________________
       FHA              Mo./Yr.   ______ / ______I.D. No. ___________________________
       VA               Mo./Yr.   ______ / ______I.D. No. ___________________________

Has your company ever had any approval revoked by any investor or MI company?
Yes ____________      No ___________ If yes please explain below:




Does your company have warehouse lines? Yes ________ No ________ If yes then:

Amount of Line          Institution                         Contact          Telephone Number
$_________________      __________________________          ______________   __________________________

$_________________      __________________________          ______________   __________________________

                                              Page 2 of 5
V.
References:

Please list four mortgage investors or MI companies with which your company is currently
approved. Please provide copies of approval letters where possible.


Name _______________________                     Name __________________________
Address:_____________________                    Address: ________________________
Telephone:___________________                    Telephone: ______________________
Contact: _____________________                   Contact:_________________________


Name _______________________                     Name __________________________
Address:_____________________                    Address: ________________________
Telephone:___________________                    Telephone: ______________________
Contact: _____________________                   Contact:_________________________


Please list two trade references:

Name _______________________                     Name __________________________
Address:_____________________                    Address: ________________________
Telephone:___________________                    Telephone: ______________________
Contact: _____________________                   Contact:_________________________




Please list two Bank references:

Name _______________________                     Name __________________________
Address:_____________________                    Address: ________________________
Telephone:___________________                    Telephone: ______________________
Contact: _____________________                   Contact:_________________________




                                            Page 3 of 5
VI.
Additional Branch office locations:

        Contact:                 _________________________________________________

        Address:                 __________________________________________________

                                 __________________________________________________

        Telephone Number:        __________________________________________________

        Email Address:           __________________________________________________


        Fax Number:      ______________________________________ For Rate Sheet Only

        Fax number:      ______________________________________ For Underwriting

        Fax Number: ______________________________________ For Marketing
………………
Additional Branch office locations:

        Contact:                 _________________________________________________

        Address:                 __________________________________________________

                                 __________________________________________________

        Telephone Number:        __________________________________________________

        Email Address:           __________________________________________________


        Fax Number:      ______________________________________ For Rate Sheet Only

        Fax number:      ______________________________________ For Underwriting

        Fax Number:      ______________________________________ For Marketing




                                          Page 4 of 5
                                           Authorization

Authorization to obtain and release information and release of liability:
The undersigned hereby authorize Sacramento Wholesale Mortgage in it’s sole discretion, to
verify any information regarding the applicant and it’s principals from any source, including but
not limited to sources identified herein. This authorization to verify and release information shall
include, but not be limited to business reference reports, personal credit reports on the principals
and other information that is of interest or concern to SWM. The undersign hereby consent and
agree that any third party sought or requested by SWM in connection with this application, shall
produce or divulge such information on request of SWM. The undersign hereby consent and
agree that SWM may produce or divulge any information it may have concerning the applicant
and / or it’s principals to any third party upon request of such third party.

The undersign hereby fully release and discharge SWM and all such third parties from any and all
liability for producing or divulging information about the applicant and or it’s principals. Any
third party having information sought by SWM may accept and rely upon a facsimile or
photocopy of this authorization as if it were an original.

The undersigned hereby authorizes SWM to send advertising and other marketing materials,
including but not limited to rate sheets, product information and promotional materials designed
to inform the customer about the services offered by SWM companies, to the fax number(s) and
or email addresses designated in section one and six above.

_______________________________________________        ______________________________________________
Signature                                              Social Security Number

_______________________________________________        ______________________________________________
Name typed or Printed                                  Title


_______________________________________________        ______________________________________________
Signature                                              Social Security Number
_______________________________________________        ______________________________________________
Name typed or Printed                                  Title


_______________________________________________        ______________________________________________
Signature                                              Social Security Number
_______________________________________________        ______________________________________________
Name typed or Printed                                  Title

The above information should be included for all Principals Officers or Owners of 5% or more
interest in the applicant company. Please attach additional sheets if necessary.


                                                  Page 5 of 5
                          Loan Origination Agreement
                              Broker Agreement
This Agreement is made as of this _______ day of ________________________ 20____ by and
between Sacramento Wholesale Mortgage and
___________________________________________________________(“the Company”).
WHEREAS: The parties to this Agreement wish to establish a non-exclusive relationship whereby
the Company will submit loans secured by liens against one to four (1-4) family residential
properties (“Loans”) to Sacramento Wholesale Mortgage on behalf of the Company’s customers
(“Borrowers”) for possible purchase and/or funding by Sacramento Wholesale Mortgage.
WHEREAS: The parties wish to enter into this Agreement to set forth the terms of their
relationship.
NOW, THEREFORE, the parties hereby agree as follows:

1. Relationship of Parties.
The relationship between the parties is an independent contractor relationship. The Company is
not an agent of Sacramento Wholesale Mortgage and shall not represent to third parties that it is
acting as an agent for Sacramento Wholesale Mortgage, nor shall it use Sacramento Wholesale
Mortgage’s name in any advertising without Sacramento Wholesale Mortgage’s express prior
written consent. Nothing contained in this Agreement shall obligate the Company to submit all
loans to Sacramento Wholesale Mortgage or obligate Sacramento Wholesale Mortgage to fund all
loans submitted by the Company.

2. Loan Applications.
The Company shall be responsible for the accurate preparation and execution of a complete
property and credit Loan application package (“Loan Package”) on each loan request submitted.
The Loan Package shall conform to Sacramento Wholesale Mortgage’s policies and procedures as
established and as may be modified from time to time. Sacramento Wholesale Mortgage shall
periodically inform the Company of its eligibility criteria and registration procedures for the
making of loans based on factors such as type of loan, loan limits, loan-to-value ratios, interest
rates, points and fees, payment features, documentation requirements and credit standards.
Sacramento Wholesale Mortgage may also prescribe procedures for registration of loans with
Sacramento Wholesale Mortgage, including, but not limited to, the procedure for locking-in the
interest rate and/or points and fees on Loans. Sacramento Wholesale Mortgage is not required to
utilize any real estate appraisal or other vendor in connection with the preparation or submission
of any Loan Package that is not acceptable and approved by Sacramento Wholesale Mortgage.

3. Underwriting/Approval/Closing/Funding.
Sacramento Wholesale Mortgage shall have the sole responsibility for underwriting and approving
the Loans. The Company shall not hold itself out to prospective borrowers as having the authority
to approve Loan Application or issue Loan Commitments on behalf of Sacramento Wholesale
Mortgage. The Company shall not represent that Sacramento Wholesale Mortgage has approved
or will approve any Loan until the Company is so informed by Sacramento Wholesale Mortgage in
writing. Sacramento Wholesale Mortgage shall prepare the closing documents for all Loans, or
will review the closing documents prepared by the Company, provided that such arrangement
has been prior approved in writing by Sacramento Wholesale Mortgage. Sacramento Wholesale
Mortgage shall fund each closed Loan in such fashion that the Company shall not be required to
use its own funds or warehouse lines of credit.

4. Amounts Due to the Company, Disclosure.
Nothing shall be owed to the Company by Sacramento Wholesale Mortgage on account of any
proposed loan which is not closed and funded by Sacramento Wholesale Mortgage. Upon the
closing of any loan for which the Company has submitted a Loan Package to Sacramento
Wholesale Mortgage, Sacramento Wholesale Mortgage shall remit to the Company an amount for
origination compensation, goods purchased, services rendered and/or facilities provided, as
applicable. The price paid for any Loan(s) and all other issues related to pricing of loans will be
determined by Sacramento Wholesale Mortgage’s pricing policy, which may change daily or more
often at the sole discretion of Sacramento Wholesale Mortgage. Nothing in this Agreement
prohibits the Company, if permissible under applicable federal and state law, from imposing fees
upon borrowers for consultations and other services. All compensation shall be disclosed on the
Good Faith Estimate of Closing Costs (DRE form 882) and the HUD-1/1A settlement statement in
accordance with applicable law. If not otherwise required by law, Sacramento Wholesale
Mortgage strongly encourages a written agreement between the Company and the borrower(s)
and if an agreement is required by state or federal law, a copy of the executed agreement shall
accompany each completed Loan Package delivered to Sacramento Wholesale Mortgage pursuant
to this Agreement.

5. Warranties of the Company.
The Company represents and warrants to Sacramento Wholesale Mortgage that as of the time
any Loan Package is submitted to Sacramento Wholesale Mortgage and as of the time the Loan is
closed and funded, that:
(a) The Company possesses all necessary licenses, permits, and authority to engage in the
activities contemplated by this Agreement and will provide to Sacramento Wholesale Mortgage
upon request proof of such licensing.
(b) With respect to each Loan Package submitted by the Company and funded by Sacramento
Wholesale Mortgage, the Company has complied with all applicable Sacramento Wholesale
Mortgage policies and local, state, and federal laws and regulations related to performance of the
Company’s responsibilities pursuant to this Agreement, including, but not limited to, the Real
Estate Settlement Procedures Act and Regulation X, the Fair Credit Reporting Act, the Equal
Credit Opportunity Act and Regulation B, and the Truth-In-Lending Act and Regulation Z.
(c) With respect to each Loan Package submitted by the Company and funded by Sacramento
Wholesale Mortgage, the Company assisted Borrower(s) with completing the application, and
Company
Performed a minimum of five services listed below, at least one of which was a “non-counseling”
Type services and that such services were necessary for the transaction and were not duplicative
of services performed by others: “Non-Counseling Services”
(i) Initiating/ordering verifications of employment and deposits
(ii) Initiating/ordering requests for mortgage and other loan verifications
(iii) Initiating/ordering appraisals
(iv) Initiating/ordering inspections or engineering reports
(v) Providing disclosures (Good Faith Estimates, Truth-In -Lending, etc.) to borrower
(vi) Ordering Legal Documents
(vii) Determining whether the property is located in a flood zone or ordering a flood
search/certificate.
(viii) Participating in the loan closing. “Counseling Services”
(i) Analyzing the prospective Borrower’s income and debt, and pre-qualifying the Borrower
to determine the maximum mortgage that the Borrower could afford.
(ii) Educating the Borrower in the home buying and financing process, advising the Borrower
about the different types of loan products available, and demonstrating how closing costs
and monthly payments would vary under each product.
(iii) Collecting financial information (tax returns, bank statement, etc.) and other related
documents that are part of the application process.
(iv) Assisting the Borrower in understanding and clearing credit problems.
(v) Maintaining regular contact with the Borrower, Realtors and Sacramento Wholesale Mortgage
between application and closing to apprise all parties of the status of the application and to
gather any additional information as needed.
(d) The Company shall not submit in any Loan Package any false or erroneous information or
statements, or omit any material fact necessary to make any statement or information included
in the Loan Package true, accurate and complete. For purposes of this warranty, the term
“submit” shall mean submitting a Loan Package to Sacramento Wholesale Mortgage with false,
fraudulent or erroneous information, with actual knowledge thereof; or submitting a Loan
Package to Sacramento Wholesale Mortgage with false, fraudulent or erroneous information after
failing to follow standard practices and procedures prevalent in the mortgage banking industry
which, if followed, would have led to the discovery or disclosure thereof; or submitting a Loan
Package to Sacramento Wholesale Mortgage with false, fraudulent or erroneous information
where such information was or, under applicable mortgage banking/brokering business standards
and practices, should have been within the knowledge or control of the Company; or Submitting
a Loan Package to Sacramento Wholesale Mortgage containing an appraisal that contains false,
fraudulent or erroneous information where such information was or should have been within the
knowledge or control of the Company.
(e) Except as otherwise disclosed to Sacramento Wholesale Mortgage in writing before the
submission of any Loan Package, the Company shall have no direct or indirect ownership interest
in any property acting as security for the Loan, or any business or personal affiliation with, or
interest in, any provider of settlement services, including, but not limited to escrow company,
credit reporting agency, real estate agency, appraisal service provider or title company.
(f) Except as previously disclosed by the Company to Sacramento Wholesale Mortgage in writing,
there is not pending or, to the best of Company’s knowledge, threatened any suit, action,
arbitration, or legal, administrative, or other proceeding or governmental investigation (including
an investigation undertaken in response to an allegation of fraud by another lender or an
investigation undertaken pursuant to a license revocation proceeding) against the Company
which could have a material adverse effect on the Company’s business, assets, financial
condition, operations or reputation.
(g) This Agreement and all actions provided for in this Agreement have been duly authorized by
the Company’s Board of Directors, if the Company is a corporation, or by such individuals
empowered and authorized to enter into agreements on behalf of the Company. This
Agreement constitutes a valid and legally binding agreement of the Company enforceable in
accordance with its terms.
(h) The Company has no knowledge of any circumstances or conditions with respect to any Loan
that can be reasonably expected to cause any governmental, quasi-governmental or private
institutional investor to regard any Loan as an unacceptable investment, cause the Loan to
become delinquent, or adversely affect the value or marketability of any Loan.
(i) The Company will reimburse to Sacramento Wholesale Mortgage any amounts paid by the
Borrower to the Company and subsequently paid by Sacramento Wholesale Mortgage to
Borrower if any Loan is rescinded by a Borrower.
(j) The Company will reimburse to Sacramento Wholesale Mortgage any Yield Adjustment Credits
paid to the Company by Sacramento Wholesale Mortgage if any loan is paid-in-full within 120
calendar days after such loan is funded by Sacramento Wholesale Mortgage.
(k) The Company will originate all Loans in a manner consistent with customary business
practices followed in the origination and brokering of loans.

6. Indemnification.
In addition to any other rights and remedies that Sacramento Wholesale Mortgage may have, the
Company shall indemnify and hold harmless Sacramento Wholesale Mortgage and its
shareholders, directors, officers, agents, successors, and assignees from any loss (including loss
of servicing rights) damages, suits, claims, or expenses of any nature (including attorney’s fees
and costs of suit) against Sacramento Wholesale Mortgage resulting from (a) any breach of any
representation or warranty contained in paragraph five (5) above; or (b) the Company’s failure to
perform any obligation set forth in this Agreement. The Company’s obligation to indemnify
Sacramento Wholesale Mortgage under this Agreement shall not be affected by Sacramento
Wholesale Mortgage’s taking any of the following actions with or without notice to the Company
(a) liquidation, repayment, retirement or sale or resale of any Loan;
(b) foreclosure of any Loan; or
(c) sale or resale of the property securing the Loan.

7. COMMITMENTS:
(a) Commitment Options:
If designated in writing by Sacramento Wholesale Mortgage as a Preferred Company, the
Company may elect to deliver loans to Sacramento Wholesale Mortgage under the Best Efforts or
Mandatory Commitment programs. Rates for the
Best Efforts and the Mandatory Commitment programs will be posted on Sacramento Wholesale
Mortgage’s Rate Sheet.
Companies not designated in writing by Sacramento Wholesale Mortgage as a Preferred
Company are limited to Best Efforts
Commitments and will only receive Best Efforts Rate Sheets.

(b) Best Efforts Commitments:
The Company may deliver loans to Sacramento Wholesale Mortgage under the Best Efforts
Commitment program by entering into a Best Efforts Commitment. Only those persons authorized
by the Company in a writing delivered to Sacramento Wholesale Mortgage may enter into a Best
Efforts Commitment with Sacramento Wholesale Mortgage. The Company will immediately notify
Sacramento Wholesale Mortgage in writing of any addition to or deletions from its list of
authorized individuals and Sacramento Wholesale Mortgage will be justified in relying on any
existing list until it actually receives written notification to the contrary.

(c) Best Efforts Delivery Requirements:
Under the Best Efforts Commitment, the Company will not be assessed a financial penalty for
failure to delivery committed loans. However, Sacramento Wholesale Mortgage will from time to
time review the Company’s performance under Best Efforts Commitments and may, among other
things, restrict the Company to Mandatory Commitments in the future and/or suspend the
Company or , not withstanding anything to the contrary contained in the Agreements,
immediately terminate this Agreement.

(d) Mandatory Commitments:
The Company may deliver loans to Sacramento Wholesale Mortgage under the Mandatory
Commitment program by entering into a Mandatory Commitment. Only those persons authorized
by the Company in a writing delivered to Sacramento Wholesale Mortgage may enter into a Best
Efforts Commitment with Sacramento Wholesale Mortgage. The Company will immediately notify
Sacramento Wholesale Mortgage in writing of any addition to or deletions from its list of
authorized individuals and Sacramento Wholesale Mortgage will be justified in relying on any
existing list until it actually receives written notification to the contrary.

(e) Mandatory Commitment Delivery Requirements:
Under the Mandatory Commitment, the Company will be obligated to deliver the amount and
program type specified in the Mandatory Commitment in qualifying loans on or before the
Commitment Expiration Date. If the Company fails to deliver pre-locked loans (loans locked under
a mandatory commitment before delivery of the physical loan file) or withdraws delivered loans
prior to funding in any amount or fails to deliver the amount and program type specified in the
Mandatory Commitment in qualifying loans, the Company must pay a Mandatory Commitment
Pair Off Fee to Sacramento Wholesale Mortgage under the terms and conditions of sections
(f) and (g). Any loan subject to a Mandatory Commitment that fails to fund within the
commitment period will be subject to a Mandatory Commitment Pair Off Fee.
(f) Mandatory Commitment Pair Off Fee Assessment:
Mandatory Commitment Pair Off Fees will be assessed as of the following times, dates and
conditions:
A. as of the time and date that the Company notifies Sacramento Wholesale Mortgage of its
desire to reduce any portion of the Mandatory Commitment Amount; or
B. as of the time and date that the Company notifies Sacramento Wholesale Mortgage of its
desire for a program substitution for any portion of the Mandatory Commitment; or
C. as of the close of the Mandatory Commitment Expiration Date if the Company fails to deliver
the amount and program type in qualifying loans.

(g) Mandatory Pair Off Fee Calculations and Payment of Pair Off Fees:
A Mandatory Pair Off Fee will be calculated based on the GREATER OF:
A. .50 percentage points of the Mandatory paired off amount; or
B. assessment of Sacramento Wholesale Mortgage’s actual marketing loss (or “market to
market”) as of the time and date specified in section (c) and (d) of this paragraph. Actual
marketing loss is the difference between the registered Mandatory Commitment price and the
current market price.
C. If the Pair Off Assessment Date is the Commitment Expiration Date, the new percentage price
will be the Sacramento Wholesale Mortgage percentage price posted for the earliest delivery
option available on the Pair Off Assessment Date.
D. If the Pair Off Assessment Date is earlier than the Commitment Expiration Date, the new
percentage price will be the Sacramento Wholesale Mortgage posted percentage price for the
delivery period option which expires closest to, but not after, the Commitment Expiration Date.
For example, if the Pair Off Assessment Date is 40 days prior to the Commitment Expiration Date,
the posted price used for the Pair Off Calculation will be the 29 day Mandatory Delivery price on
the Pair Off Assessment Date (for the purposes of this example, available mandatory delivery
periods were 15, 29, 45 and 60 days).
E. The Pair Off Fees assessed by Sacramento Wholesale Mortgage for Mandatory Pair Off will be
due and payable within five (5) business days after the Pay Off Assessment Date. In addition to
Sacramento Wholesale Mortgage’s other options, the Company agrees that Sacramento
Wholesale Mortgage will be entitled to net proceeds of Pair Off Fees.

8. Repurchase Agreement.
In addition to other rights and remedies that Sacramento Wholesale Mortgage may have, in the
event there exists a basis to demand indemnification under paragraph 6, above, and the Loan in
question is closed and funded by Sacramento Wholesale Mortgage, Sacramento Wholesale
Mortgage may demand that the Company cure the breach in all material respects within 30 days
to the satisfaction of Sacramento Wholesale Mortgage. In the event the breach cannot be cured
to Sacramento Wholesale Mortgage’s satisfaction, Sacramento Wholesale Mortgage may require
Company to repurchase the Loan from Sacramento Wholesale Mortgage or the applicable
investor at the higher of the following
prices:
(a) (1) The original principal amount of the Loan, less principal reductions; plus (2) All interest
accrued but unpaid on the principal balance of the Loan from the date of funding by Lender
through and including the first day of the month following the month the repurchase is made;
plus (3) Any premium pricing paid to the Company; plus(4) All costs and expenses incurred by
Sacramento Wholesale Mortgage in enforcing the Company’s obligation to repurchase the Loan,
including, without limitation, reasonable attorney’s fees and costs of suit: or
(b) The price Sacramento Wholesale Mortgage must pay to repurchase the loan from the
applicable investors.
9. Right of Set Off
Sacramento Wholesale Mortgage shall have the right, without notice, to set off against
indebtedness of any kind owing by the Sacramento Wholesale Mortgage to the Company against
any obligation owing by Sacramento Wholesale Mortgage to the Company, irrespective of
whether the obligations arouse out of a different transaction than that creating the indebtedness
or whether or not Sacramento Wholesale Mortgage shall have made any demand or whether or
not said obligation shall have matured.

10. Termination of Agreement.
Either party may terminate this Agreement at any time. Any termination shall not affect

(a)Sacramento Wholesale Mortgage’s obligation to fund any Loan which Sacramento Wholesale
Mortgage has committed to fund; (b) Sacramento Wholesale Mortgage’s obligation to pay any
amounts due to Company under this Agreement; or (c) any other obligation already committed to
by either party under this Agreement, including the obligations of the Company with respect to
indemnification pursuant to paragraph 6 or repurchase under paragraph 7.

11. Notice of Certain Matters.
The Company shall promptly give written notice to Sacramento Wholesale Mortgage of (a) the
occurrence of any breach of a representation or warranty as set forth in paragraph 5 of this
Agreement; (b) any event or condition which could have material adverse effect on the business,
operations, assets or financial condition of the Company; and (c) receipt by the Company of
notice from any agency concerning revocation or suspension of the Company’s license to conduct
business.

12. Miscellaneous.
(a) Governing Law. The laws of the State of California shall govern this Agreement and the
exclusive venue for any suit or action, regardless of any amount in controversy and regardless of
the availability of jurisdiction of any other court, including, but not limited to, any Small Claims
Court, shall be the Superior Courts of Sacramento County California.
 (b) Notice. All notices required to be provided pursuant to this Agreement shall be delivered to
the addresses provided below. Notices shall be in writing and shall be deemed to have been
given and received only (1) upon delivery, if personally delivered to a party; (2) one business day
after the date of dispatch, if by facsimile tranSWMssion; (3) one business day after deposit, if
delivered by a nationally recognized courier service offering guaranteed overnight delivery; or (4)
three business days after deposit in the United States first class mail, certified mail, postage
prepaid, return receipt requested.

Sacramento Wholesale Mortgage                         Associate__________________________
Attn. Robert Williamson                               Attn.______________________________
2782 21st Street                                           ______________________________
Sacramento, CA 95818                                       ______________________________

(c) Severability. If any court of competent jurisdiction shall hold any provision of this Agreement
invalid or unenforceable, such holding shall not invalidate or render unenforceable any other
provision of this Agreement.
(d) Entire Agreement. This Agreement constitutes the entire agreement between the parties and
supersedes all prior agreements and understandings. No supplement, modification, or
amendment shall be finding unless executed in writing by both parties.
(e) Assignment. The Company may not assign this Agreement without prior written consent of
Sacramento Wholesale Mortgage. Sacramento Wholesale Mortgage may assign this Agreement
upon notice to the Company.
(f) Waivers. No waiver of any provision of this Agreement, whether by conduct or otherwise, shall
be deemed or shall constitute a waiver of any other provision. No waiver shall be binding unless
executed in writing by the party making the waiver.
(g) Attorneys Fees. If any legal action or other proceeding is brought for the enforcement of any
provision of this Agreement, or because of an alleged dispute, breach, default or
misrepresentation in connection with any of the provisions of this Agreement, the prevailing party
or parties shall be entitled to reasonable attorneys’ fees and other costs incurred in that action or
proceeding.
(h) Confidentiality. Both parties agree to take all reasonable measures to protect the
confidentiality of the other party’s proprietary loan program information.


IN WITNESS WHEREOF, the parties have signed this Agreement as of the date set forth above.

Sacramento Wholesale Mortgage                     The Company:___________________________

By:________________________________               By:____________________________________

________________ __________________
Printed Name                                      Printed Name

________________ __________________
Printed Title                                     Printed Title
                                         Exhibit C

                                     Code of Conduct

        Broker must be honest and professional in the conduct of their business.
Borrowers should be given full disclosure regarding the financing programs that are
available, and Broker should keep them informed of the status of their loan application.
The loan process should be explained to them in detail, including an explanation of all
documents and costs associated with the loan, as well as how disbursement of the loan
will be made.

       Broker must not share any of borrowers’ non-public personal or financial
information with unaffiliated third parties except as needed to complete the transaction.
Broker must require any third parties with whom Broker shares borrower’s non-public
personal or financial information to agree that the shared information is to be kept strictly
confidential and is not to be further disclosed or disseminated except as needed to
complete the transaction. Broker should inform all borrowers of Broker’s privacy policy.




Broker:




               Signature




                                               1 of 1
                               Sacramento Mortgage Inc.
                               Direct Lending
                        .


Dear Customer,

In accordance with the FCC regulations, SMI is now required to obtain written authorization to
send loan correspondence, rate sheets and or marketing material to your fax number.

The undersigned hereby authorizes SMI to send loan correspondence, rate sheets, product
information and other material designed to inform the customer about services and or products
offered by SMI to the following fax number(s).


_________________________________                  ________________________________
Company Name                                       Signature

_________________________________                  ________________________________
Address                                            Names (typed or printed) / Title

_________________________________
City, State, Zip

_________________________________
Phone Number


       Please type or print any fax numbers and or email addresses which SMI may use for the
       above purposes.

       _______________________________             ________________________________

       _______________________________             ________________________________

       _______________________________             ________________________________


                           Thank you for your time and your business!
        After completion and signature, please return a copy of this form to (916) 732-9081
                                        Exhibit B

    It is the policy and intent of Sacramento Wholesale Mortgage to support the
elimination of mortgage loan fraud and misrepresentation within the residential lending
industry. Brokers are hereby advised that they bear responsibility for all actions
performed in the course of business by their respective employees. The submission of a
loan application containing false or misrepresented information is a federal crime.

   Although fraud or negligent misrepresentation may be perpetrated in many ways,
some of the most common examples are provided below.

   a. Submission of inaccurate or partially accurate information, including false
      statements on loan applications and falsification of documents relating to credit,
      employment, deposit, and asset information including identity ownership, and title
      to real property.
   b. Forgery.
   c. Misrepresentation of occupancy or intent to maintain required occupancy as
      agreed in the security instrument.
   d. Lack of due diligence or concern by the Broker, loan officer interviewer or
      processor including failure to obtain or divulge all information required by the
      application and/or failure to request further information as dictated by the
      applicant’s response to other inquiries or documentation.
   e. Acceptance of information or documentation which is known or suspected to be
      inaccurate or fraudulent or acceptance of information or documentation which
      should be known or suspected of being inaccurate or fraudulent. This would
      include simultaneous or consecutive processing of multiple owner-occupied
      mortgage loans for an individual applicant or permitting an applicant or interested
      third party to assist and participate in the processing of the loan.
   f. Failure of the Broker to disclose any known relevant or pertinent information
      regarding the loan application.

    The consequences of loan fraud or/or misrepresentation are extensive and costly.
Sacramento Wholesale Mortgage (SWM) is obligated to accurately underwrite its
mortgage loans for many third parties, including but not limited to the Federal National
Mortgage Association, the Federal Home Loan Mortgage Corporation and the
Government National Mortgage Association. Fraudulent mortgage loans cannot be sold
or placed in mortgage backed securities. SWM is further obliged to repurchase any
mortgage loan discovered to be fraudulent after it is sold in the secondary mortgage
market. Fraudulent mortgage loans damages the reputations in the industry of both SWM
and its customers and impairs relationships with mortgage investors and insurers. The
policy of SWM is to vigorously pursue any and all remedies available to it in the event of
fraud or misrepresentation.

    The potential consequences to those who are involved in fraud or misrepresentation
can be even more severe. Such consequences may include, but are not limited to, the
following.

                                            1 of 2
BROKER OR BROKER/APPLICANT PERPETRATED

   1. Referral of the fraud to the applicable state or federal criminal justice agencies
   2. Petition for revocation of mortgage Broker or Lender licenses
   3. Civil action by SWM
   4. Loss of approved Broker status with SWM
   5. The inability to gain Broker approval with other entities caused by the publication
      of legally permissible information by entities such as the Federal National
      Mortgage Association, the Federal Home Loan Mortgage Corporation, the
      Government National Mortgage Association, mortgage insurers, other secondary
      investors, governmental regulatory bodies and criminal justice agencies, or
   6. Inclusion on the Department of Housing and Urban development’s Limited denial
      Participation listing and the Federal Home Mortgage Loan Corporation’s
      exclusionary list.

APPLICANT PERPETRATED

   1. Referral of the fraud to the applicable state or federal criminal justice agencies
   2. Acceleration of debt as allowed by the security instrument
   3. Additional civil action by SWM
   4. Civil action by other parties to the transaction such as the real estate agent or
      Broker
   5. Forfeiture of any professional license or bond, or
   6. Adverse long term effect on credit history



Broker:




Signature




                                          2 of 2
                                           Exhibit A

                      Mortgage Broker Agreement and Fee Disclosure
                                For All Loan Originations

Applicant(s)                                                               (“you” or “your”)

Mortgage Broker                                                     (“Broker”, “we” or “us”)


1.   Loan Transaction
     You agree to enter into this Mortgage Broker Agreement and Fee Disclosure (“the
     Agreement”) with us as an independent contractor to apply for a residential mortgage loan
     from a participating Lender with which we, from time to time, contract upon such terms
     and conditions as you may request or a Lender may require. We are licensed as “Mortgage
     Broker” under                                                                      . Based
     on the information you have given us, we will try to obtain a (term)
     (type)                                  loan for you of approximately $
     so you can either purchase a home, refinance your current home loan or obtain a home
     equity loan.

2.   Nature of Relationship
     In connection with this mortgage loan we are acting as an independent contractor and not
     as your agent. We will enter into separate independent contractor agreements with various
     Lenders or investors in the market and cannot guarantee the lowest price or best terms
     available in the market.

3.   Broker Compensation
     A fee of                  % of the loan amount is due and payable to us at closing as
     compensation for the goods, services and facilities we perform and provide in trying to
     obtain a loan for you. The Lender does not impose the fee, however, the fee will be
     disclosed by the Lender in connection with all finance charge disclosures. The Lenders
     whose loan products we distribute generally provide their loan products to us at a
     wholesale rate. The retail price we offer you—your interest rate, total points and fees—will
     include our compensation. In some cases, we may be paid all of our compensation by either
     you or the Lender. Alternatively, we may be paid a portion of our compensation by both
     you and the Lender. For example, in some cases, if you would rather pay a lower interest
     rate, you may pay higher up-front points and fees. Also, in some cases, if you would rather
     pay less up-front, you may be able to pay some or all of our compensation indirectly
     through a higher interest rate in which case we will be paid directly by the Lender. You
     authorize the payment of this mortgage broker fee directly to us by the Lender from the
     proceeds of the mortgage loan. We may receive additional compensation from the Lender
     based on (a) the value of the mortgage loan or related servicing rights in the market place,
     or (b) the value of the goods, services or facilities we perform or provide to the Lender and
     to you in connection with the origination of this loan. If so, such compensation from the
     Lender will be disclosed to you at the time the loan is closed.

                                                1 of 2
4.   Reliance of Lender
     You acknowledge that the Lender will be relying upon the statements of applicant
     contained in this Agreement.

5.   Entire agreement
     This Agreement contains the entire agreement between the parties and supersedes all prior
     agreements, arrangements or understandings relating to the services we will provide for
     you. There are no written or oral agreements, understandings, representations or warranties
     between the parties other than set forth in this Agreement.

5.   Signature
     YOUR SIGNATURE ON THIS DOCUMENT DOES NOT OBTAIN A LOAN FROM
     US. You are entitled to a copy of this Agreement. DO NOT SIGN THIS AGREEMENT
     BEFORE YOU READ IT.

     By signing below, you acknowledge receipt of a copy of this Agreement.

     Agreed and accepted:

     Applicant:                                            Applicant:



     Date:                                                 Date:

     Mortgage Broker:

                                                           Date:




                                               2 of 2
                             Sacramento Wholesale Mortgage
                         .

                          SIGNATURE RESOLUTION
           UNANIMOUS CONSENT TO ACTION OF THE BOARD OF DIRECTORS

The undersigned, constituting the entire Board of Directors of ________________________ of the State of
_______, do hereby consent to the following action as of this date, without meeting and without notice.

RESOLVED, that the following officers:

NAME                                                            TITLE

__________________________________                            ___________________________

__________________________________                            ___________________________

__________________________________                            ___________________________

__________________________________                            ___________________________

or any one of more of them, or their duly elected or appointed successors in the office, are hereby authorized and
empowered in the name and on behalf of this company, to execute any and agreements, contracts, notes, and other
papers in connection with documents, and to furnish any information required or deemed necessary or proper by
SWM in connection with any transactions pursuant to this company’s Broker Agreement with SWM.

Effective Date:_________________

Signature:    _______________________                         Signature:    ______________________
Typed/Printed:_______________________                         Typed/Printed:______________________
Title:        _______________________                         Title:        ______________________

Signature:    _______________________                         Signature:    ______________________
Typed/Printed:_______________________                         Typed/Printed:______________________
Title:        _______________________                         Title:        ______________________


     This document requires the signature of at least two of your company’s principal officers
Form                                   W-9                                          Request for Taxpayer                                                                     Give form to the
(Rev. January 2002)                                                                                                                                                          requester. Do not
Department of the Treasury
                                                                          Identification Number and Certification                                                            send to the IRS.
Internal Revenue Service
                                       Name
See Specific Instructions on page 2.




                                       Business name, if different from above
           Print or type




                                                                     Individual/                                                                                               Exempt from backup
                                       Check appropriate box:        Sole proprietor            Corporation         Partnership       Other                                    withholding
                                       Address (number, street, and apt. or suite no.)                                                           Requester’s name and address (optional)


                                       City, state, and ZIP code


                                       List account number(s) here (optional)


      Part I                                  Taxpayer Identification Number (TIN)

Enter your TIN in the appropriate box. For individuals, this is your social security number (SSN).                                                          Social security number
However, for a resident alien, sole proprietor, or disregarded entity, see the Part I instructions on                                                                   –          –
page 2. For other entities, it is your employer identification number (EIN). If you do not have a number,
see How to get a TIN on page 2.                                                                                                                                               or
Note: If the account is in more than one name, see the chart on page 2 for guidelines on whose number                                                       Employer identification number
to enter.                                                                                                                                                          –
      Part II                                 Certification
Under penalties of perjury, I certify that:
1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and
2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal
   Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has
   notified me that I am no longer subject to backup withholding, and
3. I am a U.S. person (including a U.S. resident alien).
Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup
withholding because you have failed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply.
For mortgage interest paid, acquisition or abandonment of secured property, cancellation of debt, contributions to an individual retirement
arrangement (IRA), and generally, payments other than interest and dividends, you are not required to sign the Certification, but you must
provide your correct TIN. (See the instructions on page 2.)

Sign                                       Signature of
Here                                       U.S. person                                                                                          Date

Purpose of Form                                                                          What is backup withholding? Persons making                 5. You do not certify to the requester that you
                                                                                         certain payments to you must under certain               are not subject to backup withholding under 4
A person who is required to file an information                                          conditions withhold and pay to the IRS 30% of            above (for reportable interest and dividend
return with the IRS must get your correct                                                such payments after December 31, 2001 (29%               accounts opened after 1983 only).
taxpayer identification number (TIN) to report, for                                      after December 31, 2003). This is called “backup
example, income paid to you, real estate                                                                                                             Certain payees and payments are exempt
                                                                                         withholding.” Payments that may be subject to            from backup withholding. See the instructions on
transactions, mortgage interest you paid,                                                backup withholding include interest, dividends,
acquisition or abandonment of secured property,                                                                                                   page 2 and the separate Instructions for the
                                                                                         broker and barter exchange transactions, rents,          Requester of Form W-9.
cancellation of debt, or contributions you made                                          royalties, nonemployee pay, and certain
to an IRA.                                                                               payments from fishing boat operators. Real               Penalties
   Use Form W-9 only if you are a U.S. person                                            estate transactions are not subject to backup
(including a resident alien), to give your correct                                       withholding.                                             Failure to furnish TIN. If you fail to furnish your
TIN to the person requesting it (the requester)                                                                                                   correct TIN to a requester, you are subject to a
                                                                                           You will not be subject to backup withholding          penalty of $50 for each such failure unless your
and, when applicable, to:                                                                on payments you receive if you give the                  failure is due to reasonable cause and not to
  1. Certify the TIN you are giving is correct (or                                       requester your correct TIN, make the proper              willful neglect.
you are waiting for a number to be issued),                                              certifications, and report all your taxable interest
                                                                                         and dividends on your tax return.                        Civil penalty for false information with respect
  2. Certify you are not subject to backup                                                                                                        to withholding. If you make a false statement
withholding, or                                                                          Payments you receive will be subject to                  with no reasonable basis that results in no
                                                                                         backup withholding if:                                   backup withholding, you are subject to a $500
  3. Claim exemption from backup withholding if
you are a U.S. exempt payee.                                                               1. You do not furnish your TIN to the                  penalty.
                                                                                         requester, or                                            Criminal penalty for falsifying information.
  If you are a foreign person, use the
appropriate Form W-8. See Pub. 515,                                                         2. You do not certify your TIN when required          Willfully falsifying certifications or affirmations
Withholding of Tax on Nonresident Aliens and                                             (see the Part II instructions on page 2 for              may subject you to criminal penalties including
Foreign Entities.                                                                        details), or                                             fines and/or imprisonment.
                                                                                            3. The IRS tells the requester that you               Misuse of TINs. If the requester discloses or
Note: If a requester gives you a form other than
                                                                                         furnished an incorrect TIN, or                           uses TINs in violation of Federal law, the
Form W-9 to request your TIN, you must use the
                                                                                                                                                  requester may be subject to civil and criminal
requester’s form if it is substantially similar to this                                     4. The IRS tells you that you are subject to          penalties.
Form W-9.                                                                                backup withholding because you did not report
                                                                                         all your interest and dividends on your tax return
                                                                                         (for reportable interest and dividends only), or

                                                                                                           Cat. No. 10231X                                                  Form   W-9     (Rev. 1-2002)
Form W-9 (Rev. 1-2002)                                                                                                                                         Page      2
                                                      Application for IRS Individual Taxpayer           Privacy Act Notice
Specific Instructions                                 Identification Number, to apply for an ITIN, or
Name. If you are an individual, you must              Form SS-4, Application for Employer               Section 6109 of the Internal Revenue Code
generally enter the name shown on your                Identification Number, to apply for an EIN.       requires you to give your correct TIN to
social security card. However, if you have            You can get Forms W-7 and SS-4 from the           persons who must file information returns
changed your last name, for instance, due to          IRS by calling 1-800-TAX-FORM                     with the IRS to report interest, dividends, and
marriage without informing the Social Security        (1-800-829-3676) or from the IRS Web Site at      certain other income paid to you, mortgage
Administration of the name change, enter              www.irs.gov.                                      interest you paid, the acquisition or
your first name, the last name shown on your                                                            abandonment of secured property,
                                                         If you are asked to complete Form W-9 but      cancellation of debt, or contributions you
social security card, and your new last name.         do not have a TIN, write “Applied For” in the     made to an IRA or Archer MSA. The IRS uses
   If the account is in joint names, list first and   space for the TIN, sign and date the form,        the numbers for identification purposes and
then circle the name of the person or entity          and give it to the requester. For interest and    to help verify the accuracy of your tax return.
whose number you enter in Part I of the form.         dividend payments, and certain payments           The IRS may also provide this information to
   Sole proprietor. Enter your individual             made with respect to readily tradable             the Department of Justice for civil and
name as shown on your social security card            instruments, generally you will have 60 days      criminal litigation, and to cities, states, and
on the “Name” line. You may enter your                to get a TIN and give it to the requester         the District of Columbia to carry out their tax
business, trade, or “doing business as (DBA)”         before you are subject to backup withholding      laws.
name on the “Business name” line.                     on payments. The 60-day rule does not apply
                                                      to other types of payments. You will be              You must provide your TIN whether or not
   Limited liability company (LLC). If you are                                                          you are required to file a tax return. Payers
a single-member LLC (including a foreign LLC          subject to backup withholding on all such
                                                      payments until you provide your TIN to the        must generally withhold 30% of taxable
with a domestic owner) that is disregarded as                                                           interest, dividend, and certain other payments
an entity separate from its owner under               requester.
                                                                                                        to a payee who does not give a TIN to a
Treasury regulations section 301.7701-3,              Note: Writing “Applied For” means that you        payer. Certain penalties may also apply.
enter the owner’s name on the “Name”                  have already applied for a TIN or that you
                                                      intend to apply for one soon.
line. Enter the LLC’s name on the “Business
name” line.                                           Caution: A disregarded domestic entity that
                                                                                                        What Name and Number To
   Other entities. Enter your business name           has a foreign owner must use the appropriate      Give the Requester
as shown on required Federal tax documents            Form W-8.
                                                                                                        For this type of account: Give name and SSN of:
on the “Name” line. This name should match
the name shown on the charter or other legal          Part II—Certification                                 1. Individual                  The individual
document creating the entity. You may enter           To establish to the withholding agent that you        2. Two or more                 The actual owner of the
any business, trade, or DBA name on the               are a U.S. person, or resident alien, sign Form          individuals (joint          account or, if combined
“Business name” line.                                 W-9. You may be requested to sign by the                 account)                    funds, the first individual
                                                                                                                                           on the account 1
   Exempt from backup withholding. If you             withholding agent even if items 1, 3, and 5
                                                                                                            3. Custodian account of        The minor 2
are exempt, enter your name as described              below indicate otherwise.                                a minor (Uniform Gift
above, then check the “Exempt from backup                For a joint account, only the person whose            to Minors Act)
withholding” box in the line following the            TIN is shown in Part I should sign (when              4. a. The usual                The grantor-trustee     1

business name, sign and date the form.                required). Exempt recipients, see Exempt                    revocable savings
                                                      from backup withholding above.                              trust (grantor is
   Individuals (including sole proprietors) are                                                                   also trustee)
not exempt from backup withholding.                   Signature requirements. Complete the                     b. So-called trust          The actual owner    1
Corporations are exempt from backup                   certification as indicated in 1 through 5                   account that is not
withholding for certain payments, such as             below.                                                      a legal or valid trust
interest and dividends. For more information             1. Interest, dividend, and barter                        under state law
on exempt payees, see the Instructions for            exchange accounts opened before 1984                  5. Sole proprietorship         The owner   3

the Requester of Form W-9.                            and broker accounts considered active
   If you are a nonresident alien or a foreign        during 1983. You must give your correct TIN,      For this type of account: Give name and EIN of:
entity not subject to backup withholding, give        but you do not have to sign the certification.     6. Sole proprietorship            The owner 3
the requester the appropriate completed                  2. Interest, dividend, broker, and barter       7. A valid trust, estate, or      Legal entity 4
Form W-8.                                             exchange accounts opened after 1983 and               pension trust
Note: If you are exempt from backup                   broker accounts considered inactive during         8. Corporate                      The corporation
withholding, you should still complete this           1983. You must sign the certification or           9. Association, club,             The organization
form to avoid possible erroneous backup               backup withholding will apply. If you are             religious, charitable,
                                                                                                            educational, or other
withholding.                                          subject to backup withholding and you are             tax-exempt
                                                      merely providing your correct TIN to the              organization
Part I—Taxpayer Identification                        requester, you must cross out item 2 in the       10. Partnership                    The partnership
Number (TIN)                                          certification before signing the form.            11. A broker or registered         The broker or nominee
Enter your TIN in the appropriate box.                   3. Real estate transactions. You must              nominee
                                                      sign the certification. You may cross out         12. Account with the               The public entity
   If you are a resident alien and you do not                                                               Department of
have and are not eligible to get an SSN, your         item 2 of the certification.
                                                                                                            Agriculture in the name
TIN is your IRS individual taxpayer                      4. Other payments. You must give your              of a public entity (such
identification number (ITIN). Enter it in the         correct TIN, but you do not have to sign the          as a state or local
social security number box. If you do not             certification unless you have been notified           government, school
                                                                                                            district, or prison) that
have an ITIN, see How to get a TIN below.             that you have previously given an incorrect           receives agricultural
   If you are a sole proprietor and you have          TIN. “Other payments” include payments                program payments
an EIN, you may enter either your SSN or              made in the course of the requester’s trade
EIN. However, the IRS prefers that you use            or business for rents, royalties, goods (other    1
                                                                                                          List first and circle the name of the person whose
your SSN.                                             than bills for merchandise), medical and          number you furnish. If only one person on a joint
                                                      health care services (including payments to       account has an SSN, that person’s number must be
   If you are an LLC that is disregarded as
                                                      corporations), payments to a nonemployee for      furnished.
an entity separate from its owner (see
                                                      services, payments to certain fishing boat        2
Limited liability company (LLC) above), and                                                                 Circle the minor’s name and furnish the minor’s SSN.
                                                      crew members and fishermen, and gross
are owned by an individual, enter your SSN                                                              3
                                                                                                         You must show your individual name, but you may
                                                      proceeds paid to attorneys (including
(or “pre-LLC” EIN, if desired). If the owner of                                                         also enter your business or “DBA” name. You may use
                                                      payments to corporations).
a disregarded LLC is a corporation,                                                                     either your SSN or EIN (if you have one).
partnership, etc., enter the owner’s EIN.                5. Mortgage interest paid by you,              4
                                                                                                         List first and circle the name of the legal trust, estate,
                                                      acquisition or abandonment of secured             or pension trust. (Do not furnish the TIN of the personal
Note: See the chart on this page for further
                                                      property, cancellation of debt, qualified         representative or trustee unless the legal entity itself is
clarification of name and TIN combinations.
                                                      tuition program payments (under section           not designated in the account title.)
How to get a TIN. If you do not have a TIN,           529), IRA or Archer MSA contributions or
apply for one immediately. To apply for an                                                              Note: If no name is circled when more than
                                                      distributions, and pension distributions.         one name is listed, the number will be
SSN, get Form SS-5, Application for a Social          You must give your correct TIN, but you do
Security Card, from your local Social Security                                                          considered to be that of the first name listed.
                                                      not have to sign the certification.
Administration office. Get Form W-7,

				
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