Wholesale Mortgage Broker Application Kit by liwenting


             Mortgage Broker
             Application Kit

                   Multi-Family Lending

Revised 8-2-2010
                                      EAST WEST BANK
                          WHOLESALE MORTGAGE BROKER
                           APPLICATION INSTRUCTIONS

We welcome your application to become an approved Wholesale Mortgage Broker. EAST
WEST BANK, a California Bank was chartered in 1972, and has been proudly serving
California for over 48 years, with its corporate offices located in Pasadena, California

EAST WEST was the nation’s first federally-chartered saving institution focused primarily on
serving the Chinese-American community. The Bank opened its first branch office in Los
Angeles, on January 3, 1973. The bank has been expanding continuously ever since and now
operates 130 branches nationwide, with over $20 billion dollars in assets.

The Banks strategy is to provide you with superior service, competitive pricing and products to
meet your borrowers’ needs. To us SERVICE, PRICE and PRODUCT says it all.

Follow the steps outlined below to become an approved EAST WEST BANK mortgage broker:

1.      Please read and complete the Application Package; which includes:

        a)       Mortgage Broker Application (and all requested attachments)
        b)       Broker Agreement
        c)       Mortgage-Brokerage-Addendum
        d)       Corporate Resolution
        e)       Completed IRS W-9 Form
        f)       Quality Control / Compliance Statement or internal Quality Control Procedures
        g)       Loan Fraud "Zero Tolerance" Statement

2.      When completed, please return items along with the following items, to your respective
        Account Executive or Local Branch Office:

        a)      Introduction of your company
        b)      Resume of all principals
        c)      Articles of Incorporation
        d)      Copy of appropriate broker's license. Need Officer's and Personal/Individual
                Broker's license reflecting D.B.A. name also.
        e)      Most recent financial statements (balance sheet & income statement for last quarter)
        f)      Copy of business license
        g       Fictitious Name/Trade Style Filing (if applicable)

Again, thank you for your participation and we know that you will be very satisfied in doing
business with EAST WEST BANK.

Broker Application Instructions 07/2010
                                           EAST WEST BANK
                                Residential Lending Division
EWB has developed the following TIPS to help you insure LIGHTNING fast approval of your loan submissions.

1.      Use our Loan Submission Sheet! All loans must be submitted using EWB Loan Submission Data Sheet.
        This will save us the time of calling your office for critical information regarding loan types, rate or
        program questions. Always try and fill-in all the information requested, especially the program code/product
        type and type of loan documentation you are submitting.

2.      Always use a cover letter! The cover letter will help us better understand your loan, and give you the
        opportunity to explain anything unusual. Tell us why this loan makes sense and should be approved.

3.      Always number your conditions! When sending prior to approval, prior to document or prior to fund
        conditions use our condition cover sheet and always number the conditions with the corresponding
        condition from our approval. This helps us quickly sign off the condition, especially if you have sent us
        something that meets the condition, but is not exactly what we asked for.

                                            BACK TO BASICS
1.      Complete the handwritten application
        Try to fill in any blanks, use the application as your guide to processing the loan, verify the information
        provided in the application

2.      Keep like items together
        e.g. all items pertaining to the credit report or credit history together, all asset or deposit information

3.      Answer underwriting questions before they are asked.
        Credit Problems? Provide a letter of explanation and/or back-up documentation.
        Large increase in account balances? Document the source of the increase.
        All letters of explanation should come from the borrower!

4.      Completeness counts!
        Was the borrower divorced? Provide complete copy of divorce decree.
        Changed Jobs? Provide all VOE's and a gap of employment letter if necessary
        Self-employed? Provide complete 1040's for 2 years & current YTD P&L
        Partnership? Provide all K1's for 2 years. Big holes in the file only make the Underwriter ask more

5.      Don't be afraid to call
        Want to know if you need something, or want to know what you need? Call us!

6.      Organize the file
        The more complex the loan, the more you need to follow a system.
        i.e. Credit: Follow the order of the credit report, Multiple Properties: all information for each property
        organized together in order.

7.      Informative cover letter
        Again, cover letters are important. An informative summary of the loan really helps because:
        a. The underwriter won't be surprised
        b. The underwriter will immediately understand the issue.
        C. You tell the underwriter what makes the file a good one or what good factors balance out the glitches.

EWBLAK8 REV. 2/24/97
                                             EAST WEST BANK
                                          WHOLESALE MORTGAGE
                                           BROKER APPLICATION
 APPLICANT          Legal Name of Firm

                    Doing Business As (D.B.A.)

                    Street Address

                    City/State                                                        Zip

                    TeleFax Number


                    Primary Officer (1)                                               S.S. #

                    Home Address/City/State/Zip

                    Primary Officer (2)                                               S.S. #

                    Home Address/City/State/Zip

                    Underwriters Name                                                 Processors Name

                    Organized & Existing under the law of (State)                     Organized on (Date)
                        Sole Proprietorship           Partnership        Corporation
                    If a Corporation, is it subsidiary of, or controlled by, another entity? If yes, by whom:
                    Licensed to originate mortgage loans within the state(s) of
                    Licensee                                                          License Number
                    What % of ownership in company is held by licensee?               Telephone number of licensing authority

                    List primary officers and/or owners
                    Name                                                    Title                                         % Owned
                    Name                                                    Title                                         % Owned
                    Name                                                    Title                                         % Owned

 GENERAL            Please answer the following questions:

EWBLAK3 REV. 10/31/2007
 QUESTIONS          a.            Approved as a FNMA Seller/Servicer?                               Yes       No    Seller #__________
                    b.            Approved as a FHLMC Seller/Servicer?                              Yes       No    Seller #__________
                    c.            Approved as a VA/FHA Direct Lender?                              Yes       No     Seller #__________
                    d.            A Subsidiary of a Builder or Developer                            Yes       No
                    e.            Have any Officers, Directors or Principals ever
                                  had their real estate license revoked, suspended
                                  or denied by the California Department of Real
                                  Estate?                                                           Yes       No
                    f.            Has your company had any unfavorable findings
                                  with regard to mortgage operations, servicing,
                                  or production in any audit, examination or
                                  investigative agency?                                             Yes       No
                    g.            Has your firm or licensee had any formal complaints
                                  filed against it with the state within the last
                                  three years? (Attach explanation if Yes)                          Yes       No
                    h.            Is there any pending litigation with either
                                  Principals or Company?(Attach explanation if Yes)                 Yes       No
                    i.            Has your company ever been suspended from brokering
                                            loans to a lender?                                      Yes       No
                    j.            Does your company have an internal audit system to
                                  verify authenticity of the information contained in
                                  your loan files?(provide copy a of your procedures)              Yes       No

 INSURANCE                           Insurance Coverage              Amount                   Carrier               Deductible

                                     Fidelity - Individual
                                     Fidelity - Blanket
                                     Error & Omissions

 BRANCHES                Address                             City                                   Zip

                         Phone                               Fax                                    Branch Mgr. Name
                         Address                             City                                   Zip
                         Phone                               Fax                                    Branch Mgr. Name
                         Address                             City                                   Zip
                         Phone                               Fax                                    Branch Mgr. Name
 HISTORY                         Current            Month            Year - To   - Date                   Last Calendar   Year
                                   #                 $                #                   $                    #                 $

EWBLAK3 REV. 10/31/2007
 LENDER                    Company Name                       Contact Person                     Phone Number


The undersigned declares, represents and warrants that, to the best of their knowledge, the statements set forth herein are true and correct.
EAST WEST BANK is hereby authorized to obtain verification from any source named herein or at EAST WEST BANK’S discretion to
obtain a credit report from a national credit reporting agency. It is agreed that this Application, when approved, shall be attached to and
become a part of the Broker Agreement with EAST WEST BANK.

EAST WEST BANK agrees that any financial information provided by the Originating Lender on this application form will be treated as
confidential and not be released (except in summary form without any identification of a particular Lender) to any third party unrelated to
EAST WEST BANK, without first obtaining Originating Lender's consent or pursuant court or administrative order requiring such a

You have the right to obtain, within 60 days, a free copy of your consumer credit report from the consumer reporting agency named above
and from any consumer credit agency that compiles and maintains files on a nationwide basis. You also have the right under California
Civil Code Section 1785.16 to dispute the accuracy or completeness of any information in a consumer credit report furnished by a
consumer credit report agency.

This application alone does not legally bind Originating Lender to participating in the Wholesale Loan Program, but indicates intent to

Originating Lender_____________________________________________Date__________
                 (name of company)

       (Authorized person's name, please print)


EWBLAK3 REV. 10/31/2007
                                                 EAST WEST BANK
                                                       Broker Agreement

This Broker Agreement (the "Agreement") is entered into by and between EAST WEST BANK ("EWB"), a California Bank
and (“Broker”) _________________________________________________________________________________________

A.       The parties wish to establish a nonexclusive relationship whereby Broker will submit application packages for
         mortgage loans ("Loans") to EWB on behalf of Broker's clients ("Borrowers") for possible funding.

B.       The parties now desire to enter this Agreement to set forth the terms of their relationship.

NOW, THEREFORE, the parties agree to as follows:

         1.        General Broker Responsibility. Broker will at Broker's sole expense; (a) submit to EWB loan application
                   packages for Borrowers which fully satisfy, in both form and content the then existing programs, procedures,
                   and fee schedules as EWB periodically may establish; (b) furnish EWB all Borrower(s) credit, financial, and
                   other information as EWB may require; (c) provide such information as EWB may reasonably request to
                   assist EWB in marketing the Loans to secondary market investors; (d) perform such other services as EWB
                   shall require to close the Loan(s). The contents of all Loan packages submitted to EWB shall immediately
                   become the property of EWB and subject to independent verification of borrower(s) loan credit report,
                   financial and other Loan documentation. Broker may request the return of any submitted file upon the
                   cancellation by the Broker or denial by EWB of said loan, and that request shall be granted except in specific
                   instances where documentation within said file is determined, in EWB's sole opinion, to be untrue or false.
                   In such case EWB shall retain the original file as part of it's quality control procedures.

         2.        Loan Approval. Loan approval shall be within EWB sole and absolute discretion. Broker shall not in any
                   way represent or imply to any person that EWB has approved or will approve any Loan until Broker is so
                   informed in writing. All Loans shall close in EWB's name.

         3.        Appraisals. Broker acknowledges that each loan package submitted to EWB must include an appraisal of
                   the collateral for the proposed loan, which appraisal must (1) conform to all appraisal standards and
                   requirements imposed by law, and such additional requirements as may be imposed by EWB from time to
                   time, and (2) be prepared by an appraiser who (a) is on the EWB’s Approved Appraisers List, (b) has been
                   engaged directly by EWB or by EWB’ agent for such limited purpose and (c) has no direct or indirect interest
                   in the proposed loan or the collateral. Broker shall not provide an appraiser with any information that may
                   influence the appraiser or in any way suggest the collateral’s value. Appraisal performed by a non-Bank
                   approved appraiser may be subject to rejection by EWB or subject to desk or field review.

         4.        Fees.    Any fee, commission, or other consideration payable to Broker with respect to any Loan shall be
                   paid only after EWB deducts from net Loan proceeds all of its fees and charges. No fee shall be owed to
                   Broker on account of any proposed Loan which is not funded and closed, and EWB shall have no obligation
                   under this Agreement to the Broker if a Loan fails to close and fund, for whatever reason. All fees due
                   Broker shall be paid within ten (10) days of loan closing and recording, unless the Broker is notified in
                   writing within seven (7) business days of closing and recording the reason payment of fee's are being

         5.        Pricing. To ensure compliance with the California’s Predatory Lending Law, East West Bank prohibits the
                   origination of “HIGH COST MORTGAGES” as defined by California Bill AB489, Section 32 of the Truth
                   in Lending Act or any other term used in other bills, laws, acts, statutes, etc. enacted by any state, city,
                   county or other entity. East West Bank also limits the number of points and fees charged to the borrower to a
                   combined maximum of 3.50%. This includes all broker points and charges, lender fees, and pre-paid finance
                   charges. East West Bank prohibits origination and submission of these loans even if the loan includes a
                   “waiver” or “acknowledgement” of some type executed by the borrowers.
Broker Agreement 06-2009
                                                           Page 1 of 6
                                                                                                        Int.______ Int.______
         6.        Rate Locks. Broker acknowledges that EWB is not obligated to honor any rate lock requests submitted by
                   Broker unless the rate lock requests are submitted in writing, are for the exact same terms and conditions
                   under which the submitted loan was approved by EWB and are otherwise consistent with EWB daily rate
                   sheet for the loan program requested. Broker further acknowledges that any request for a change in the terms
                   of any loan approved by EWB must be requested in writing and must be submitted for review and approval
                   by EWB’s underwriting, before any rate lock request consistent with that change may be acted upon by
                   EWB. Broker shall not communicate to a loan applicant or rely upon any verbal loan authorization or
                   approval, change in terms, or rate lock confirmation received unless the same is expressly set forth in writing
                   and signed by an authorized representative of EWB.

         6.1       Rate Sheet/Product Information Distribution. Broker acknowledges by entering into this Agreement that it
                   affirmatively grants permission for EWB to distribute by any electronic means (facsimile or e-mail) its daily
                   rate sheets as well as any and all loan program information unless otherwise notified in writing that Broker
                   does not wish to receive such information so distributed in this manner. This permission is granted to ensure
                   compliance with both federal and state regulations as they relate to CAN-SPAM or Do Not Fax requirements.

         7.        Broker's Warranties. Broker represents and warrants to EWB, as of (i) the time any Loan package is
                   submitted to EWB, and (ii) as of the time the loan is funded and closed, that:

         7.1       No Untrue Statements. None of the statements or information contained in any document submitted with or
                   included as part of the application package, or in any document review in connection with EWB's
                   underwriting decision, contains or will contain any misleading, false or erroneous statements, or omit
                   material facts necessary to make such statements or information accurate and understandable in every
                   EWB BY SAID BROKER.

         7.2       Absence of Claims. Except as previously disclosed by Broker to EWB in writing, there is no pending or
                   threat of any suit, action, arbitration, or legal, administrative, or other proceeding or governmental
                   investigation (including an allegation of fraud by another lender) against Broker or its current or former
                   owners, agents, or employees which could have a materially adverse effect on the Broker's business, assets,
                   financial condition, or reputation, or upon any Loan submitted for funding, or previously funded, by EWB.

         7.3       Control of Documents. No Borrower shall have had in its direct or indirect possession or control any credit,
                   income, or deposit verification document submitted to EWB with respect to any Loan.

         7.4       Duly Licensed. Broker possesses all necessary licenses, permits, and authority to engage in the activities
                   contemplated by this Agreement, and Broker is in full compliance in all respects, and in good standing, with
                   all regulatory and supervisory agencies having jurisdiction over Broker.

         7.5       Ownership. Except as otherwise disclosed to EWB in writing before the funding of any Loan, Broker shall
                   have no direct or indirect ownership interest in any property acting as security for the Loan, or affiliation or
                   relationship with any other party having a financial interest in the Loan or the Loan transaction.

         7.6       Compliance with Laws. Broker has complied and will comply with all applicable state and federal laws with
                   respect to the Loans and the activities of Broker, including, among others, the requirements of the California
                   Department of Real Estate ("CDRE") relating to DRE Form 882 (or such other disclosure form as may be
                   promulgated by the CDRE regarding the estimates of costs and expenses to be incurred by the borrower) if
                   Broker is a licensed California Real Estate Broker, the requirements of Title V of the Gramm-Leach-Bliley
                   Act and the interagency regulations thereunder regarding consumer financial privacy and the safeguarding of
                   consumer financial information, the Federal Truth-In-Lending Act Regulation Z regarding the delivery of a
                   good faith estimate of settlement costs, the Real Estate Settlement and Procedures Act, the Federal Fair
                   Credit reporting Act, the Federal Equal Credit Opportunity Act and Regulation B and other state and federal
                   regulations as promulgated by the respective governing agencies or laws. Broker is fully knowledgeable of
                   the applicable fair lending laws and will comply with all fair lending laws and regulations.

Broker Agreement 06-2009
                                                            Page 2 of 6
                                                                                                      Int.______ Int.______
         7.7       No Suspension. Broker has not been the subject of any claim by any third party for acts which would
                   constitute grounds for suspension of a real estate broker's license by the California Department of Real
                   Estate, if applicable, or other agency of the state where licensed, nor has Broker, or to the best of Broker's
                   knowledge, or any person known by Broker to have been involved in the Loan transaction, been suspended
                   from doing business with any mortgage lender.

         7.8       Salability Requirements. Broker has no knowledge of any circumstances or conditions with respect to any
                   loan, mortgaged property or mortgagor's credit standing that can be reasonable expected to cause any
                   governmental, quasi-governmental or private institutional investor to regard any loan as an unacceptable
                   investment, cause any loan to become delinquent, or adversely affect the value or marketability of any loan.

         7.9       HUD Compensation Eligibility: Broker warrants that it will perform each of the following settlement
                   services on every loan submitted to EWB to allow them to qualify under Section 8 of RESPA as eligible to
                   be compensated for the services provided.

                   a) Taking information from the borrower and filling out the application;
                   b) Analyzing the prospective borrower’s income and debt and pre-qualifying the prospective borrower to
                      determine the maximum mortgage that the prospective borrower can afford;
                   c) Educating the prospective 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 could vary under each product;
                   d) Collecting financial information (tax returns, bank statements) and other related documents that are part
                      of the application process;
                   e) Providing disclosures (truth in lending, good faith estimate, others) to the borrower;
                   f) Assisting the borrower in understanding and clearing credit problems;
                   g) Maintaining regular contact with the borrower, realtors, lender, between application and closing to
                      apprise them of the status of the application and gather any additional information as needed.

                   Broker also warrants that they gave the borrower the opportunity to consider products from at least three
                   different lenders, that they would receive the same compensation regardless of which lender's products were
                   ultimately selected and that any payment made for "counseling-type services" is reasonably related to the
                   services performed and not based on the amount of loan business referred to a particular lender.

         8.        Status of Broker. Nothing in this Agreement shall be construed as making the Broker a joint venture, partner,
                   representative, employee or agent of EWB. Broker shall not hold itself out as such, nor shall it use EWB's
                   name in any advertising. Broker is an independent contractor; provided, however, that EWB hereby appoints
                   Broker as its "special agent" within the meaning of California Civil Code Section 2297, for the sole and
                   limited purpose of directly engaging an appraiser to conduct and complete an appraisal in accordance with
                   the Code of Federal Regulations (CFR) Part 564, which states appraiser has no direct or indirect interest,
                   financial or otherwise, in the property or loan transaction for which the appraisal is prepared if Broker is
                   licensed as a California Real Estate Broker. Except as specifically provided herein, Broker shall have no
                   power or authority to undertake any other act or transaction on behalf of EWB.

         9.        Broker's Indemnification. Broker shall indemnify and hold EWB and its parent entity, affiliates, shareholders,
                   directors, officers, agents, employees, successors, and assigns harmless from and against, and shall reimburse
                   the same with respect to, any and all losses, damages, liabilities, costs, and expenses, including reasonable
                   attorneys fees, from any cause whatsoever, incurred by reason of or arising out of or in connection with; (a)
                   any breach of any representation or warranty contained in Section 4 above, (b) Broker's failure to perform
                   any obligation hereunder, or (c) any claim by a Borrower resulting from EWB's failure or refusal to fund a
                   loan (collectively "Losses") for which it has validly issued a loan approval and an agreement to fund.
                   Without limiting the generality of the foregoing, Broker's indemnity shall extend to all repurchase demands
                   of any third party to which EWB has sold any loan. Broker's obligation to indemnify EWB under this
                   Agreement shall arise upon (aa) EWB's notification of Broker that a Loss has occurred or (bb) automatically
                   upon EWB's receipt of a Loan repurchase demand from a secondary market investor which EWB determines
                   in its sole and absolute discretion to be enforceable and is a result of a cause, as described in item (a) or (b)

Broker Agreement 06-2009
                                                            Page 3 of 6
                                                                                                       Int.______ Int.______
         10.       EAST WEST BANK’S Rights. Broker's obligation to fully indemnify EWB under this Agreement shall not
                   be affected by EWB's taking any of the following action with or without notice to Broker: (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 any Loan.

         11.       Disclosure of Information. Broker acknowledges and agrees that EWB may report instances of Broker
                   making any material misstatement in connection with a Loan, or Broker's knowingly aiding a Borrower to do
                   the same, to appropriate state or federal regulatory authorities or law enforcement agencies.

         12.       Governing Law. This Agreement shall be governed by the laws of the state of California.

         13.       Miscellaneous.

         13.1      Contact with Borrower.       Broker acknowledges that EWB may contact the borrower, the borrower’s
                   employer, real estate agent, or anyone else involved with the particular loan file any time after the loan
                   application is received by EWB.

         13.2      Prompt Notice of Broker’s Receipt of Right to Cancel. Upon receipt of a loan cancellation notice from an
                   applicant, Broker shall immediately forward the notice to the assigned EWB Account Executive.

         13.3      Right of Offset. Amounts owed by Broker to EWB under this Agreement may, at EWB reasonable
                   discretion, be offset by EWB against any payments then or thereafter owed by EWB to Broker.

         13.4      Notices. All notices required hereunder shall be in writing and shall be deemed to have been given, made,
                   and received only (a) upon delivery, if personally delivered to a party; (b) one business day after the date of
                   dispatch, if by facsimile transmission; (c) one business day after deposit, if delivered by a nationally
                   recognized courier service offering guaranteed overnight delivery; or (d) three business days after deposit in
                   the United States first class mail, certified mail, postage prepaid, return receipt requested, at the addresses
                   appearing below.

         13.5      Attorney's Fees. If any legal action or other proceeding is brought forth for the enforcement 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, in addition to any other relief to which it or they may be

         13.6      Assignment. Broker may not assign this Agreement or its duties hereunder.

         13.7      Entire Agreement, Amendment. This Agreement constitutes the entire Agreement between the parties and
                   supersedes all prior and contemporaneous agreements, representations, and understandings. No supplement,
                   modification or amendment shall be binding unless executed in writing by both parties.

         13.8      Waivers, Remedies. Failure or delay to audit any Loan prior to funding and closing, or to exercise any right
                   or remedy available under this Agreement, or at law or equity, shall not act as a waiver of any other right or
                   remedy nor shall any single or partial exercise of any right preclude any other or further exercise thereof. No
                   waiver of any of the provisions of this Agreement shall be deemed, or shall constitute, a waiver of any other
                   provision, whether or not similar, nor shall any waiver constitute a continuing waiver. No waiver shall be
                   binding unless executed in writing by the party making the waiver. All remedies shall be cumulative and

         13.9      Partial Invalidity. If any provision of this Agreement is held invalid, void, or unenforceable, the remaining
                   provisions shall nevertheless continue in full force and effect.

         13.10     Further Assurances. Each party shall perform any further acts and execute and deliver any documents that
                   may be reasonably necessary to carry out the provisions of this Agreement. Upon cancellation or denial of a
                   Loan file by EWB, the Broker agrees to reimburse EWB for all out of pocket expenses such as, but not
                   limited to, review appraisals and Loan documents, before the file will be returned.

Broker Agreement 06-2009
                                                            Page 4 of 6
                                                                                                       Int.______ Int.______
         13.11      Refinance or Solicitation. Broker agrees not to solicit for refinance any Mortgage Loan subject to this
                    Agreement for a period of Three (3) months from the closing date of said Mortgage Loan.

         13.12      Cancellation Fees. The Broker is responsible for notifying EWB of any cancellation on the loan at the time
                    of cancellation. A reason for the cancellation must be given at the time of cancellation. If the loan is
                    cancelled for reasons other than an underwriting denial by EWB, the loan will be subject to a cancellation fee
                    equal to the total cost of the pair off fee incurred with its investor. Loans which have yet to lock-in will not
                    be subject to a cancellation fee.

         13.13      Termination of Agreement. Either party hereto shall have the right to terminate this agreement at any time
                    by sending written notice to the other party by certified mail, registered, or express mail return receipt
                    requested. Either party may terminate this agreement for any reason in its sole and absolute discretion for
                    any reason or no reason, including but not limited to EWB’s termination for an unacceptable delinquency
                    rate on Loans submitted by Broker to EWB. Termination shall be effective as of the date of the receipt of the
                    written notice, but shall not affect any existing commitment from either party to the other.

                    Termination of the Agreement shall not affect the obligation of the parties with respect to Mortgage Loans
                    for which a lock-in has been established and has not expired. Termination of this Agreement shall not affect
                    the obligations of the parties with respect to Mortgage Loans that have been closed, nor shall such
                    termination affect the duties of the Broker in connection with the closing of Mortgage Loans, the delivery
                    obligations following Mortgage Loan closing, or Broker's representations and warranties with respect to
                    closed Mortgage Loans.

                    In the event termination of the Agreement is for cause (cause shall include without limitation Broker's breach
                    of this Agreement, Broker's non-compliance with agency guidelines, any misrepresentations contained in any
                    credit package, or any other action by Broker that shall cause EWB damages as a result of a breach of any
                    representation or warranty) EWB shall retain all remedies granted hereunder and other remedies allowed by
                    law, all of which remedies shall be cumulative. The provisions set forth above shall apply to a termination
                    for cause provided, however, that EWB reserves the right to refuse to purchase, close, and/or fund any
                    Mortgage Loan not yet closed as of the date of termination.

Entered into at__________________________________(City),                                                County,

California, effective _______________________, 200____.

_______________________________________________                        EAST WEST BANK
                                                                       9300 Flair Drive, 5th Floor
Address:________________________________________                       El Monte, CA 917311

_______________________________________________                        By:                                           (Signature)

By:____________________________________________                        By:
         (Print Name/ Title)                                                 (Print Name/Title)


Broker Agreement 06-2009
                                                             Page 5 of 6
                                                                                                       Int.______ Int.______

The undersigned is the Broker's designated broker under California Business and Professions Code Section 10211 or other
State or Federal regulating agencies of the Brokers state of activity. The undersigned hereby acknowledges and certifies to
EAST WEST BANK that he/she (a) has read and understands the foregoing Broker Agreement and (b) will abide by its terms
in accordance with California law governing real estate brokers and all regulations of the California Department of Real Estate
or other local, state or federal regulating agency issued thereunder.

The undersigned broker wishes to submit loans to EAST WEST BANK (EWB). The broker understands that they are not
currently approved as a Mortgage Broker by EWB and it is their responsibility to complete the EWB Wholesale Broker
Application Kit, submit the required information and meet EWB's criteria for approval. EWB is under no obligation to fund a
loan if the broker has not complied with EWB's request or if they are rejected for any reason for participation in the program by



         (Print Name/ Title)


                                                          Page 6 of 6
                             CORPORATE RESOLUTION

Pursuant to a Resolution adopted by

                                      Company Name

The Board of Directors on                                                                      ,

Unanimously resolved that                                                                      ,


is authorized to enter into Contracts/Agreements to facilitate the business of the
Corporation and may delegate his Authority as appropriate.

Accordingly I                                         ,                              of
                              Name                                   Title

                                                              a               Corporation
                              Company                                State

do hereby certify that                                        as                          is
                                      Name                                   Title

empowered to execute documents binding the Corporation, with regards to the Brokering
or Sale of Mortgage Loans to East West Bank.

Witness my hand and seal of office this          day of              , 200   .


                                                             CORPORATE SEAL REQUIRED
                        QUALITY CONTROL/COMPLIANCE

EAST WEST BANK conducts business with certain Wholesale Brokers (“Brokers”) to increase its market share and
expand its source of production. These loans are originated under EAST WEST BANK loan programs. The loan must be
underwritten to EAST WEST BANK guidelines and must meet minimum quality control guidelines as prescribed by the
Federal National Mortgage Association and/or Federal Home Loan Mortgage Corporation, HUD/FHA/VA and other
private investors as prescribed by EAST WEST BANK. The broker, by signing below agrees to maintain a quality control
system as described below;


A. All loan files are locked in a file cabinet whenever the processor leaves his/her/their work area. If the file(s) are
   removed a log is kept indicating the date the file was checked out, by whom and when received back to the processor.

B. All credit reports are ordered from companies that comply to the Fair Credit reporting Act, HUD/FHA, VA, FNMA,
   and FHLMC regulations and all applicable state laws. All credit reports collect and contain information from at least
   two (2) national credit repositories, and public records.

     Should any derogatory credit items be reported, a copy of the credit report is mailed to the applicant. No copy of the
     credit report is released to any other person that is not the Lender and Applicant. Any discussion pertaining to the
     credit report by the borrower is referred to the credit reporting agency.

C. All appraisals are performed by a state licensed/certified appraiser who is licensed by the appropriate state licensing
   agency, and is in good standing.

D. All verifications of employment and deposit/asset are mailed directly to appropriate company. No verifications are
   hand carried by an employee of the Broker.

E. Telephone verification of employment, banking relationships and asset verifications are performed on all alternative
   and reduced documentation loans. This is not limited to review of telephone book research, contacting directory
   assistance and professional agencies to verify accuracy of the loan application information.

F.   All appropriate loan disclosures are provided to the applicant within the prescribed seventy-two (72) hours from loan
     application. This includes but is not to the Fair Lending Notice, Good Faith Estimate of Settlement, Mortgage loan
     Program Disclosure, and Regulation Z/Truth-in-Lending and other disclosures as required by state and federal law.

G. All loan applications received are date stamped the day received.

H. All copies of documentation furnished by the borrower are stamped as a certified copy of the original document.

I.   All loan applicants receive a written notice of disposition whether the loan is declined or approved upon rendering a
     credit decision and were made in compliance with fair lending rules.

J.   All loans are processed to meet HUD/FHA, VA, FHLMC, FNMA or private investor guidelines.

K. All loans will conform to EAST WEST BANK regulatory compliance, fair lending and anti-predatory lending

We agree to maintain a quality control system similar to the one described above or greater.

______________________________________                      ___________________________________________
Signature                                                   Broker name

______________________________________                      ___________________________________________
Print Name & Title                                          Date

(:%/$. 5(9
                                   EAST WEST BANK
                            “LOAN FRAUD ZERO TOLERANCE”

All approved Wholesale Loan Brokers of EAST WEST BANK must be aware that the licensed real
estate broker bears the responsibility for all actions of his or her employees or licensees. The Broker is
responsible for the content and quality of each application taken and each loan submitted to EAST
WEST BANK. The submission of a loan application containing false information is a crime!

                                      TYPES OF LOAN FRAUD

Loan fraud means a misstatement, misrepresentation, or omission relied upon to fund or purchase a
loan. Loan fraud includes, but is not limited to, false information as to identification and employment
documents, fraudulent appraisals, misrepresentation of borrower funds, and property flipping where
designed to inflate falsely property value. Loan fraud may be perpetrated in many forms. Some
common examples are: submission of inaccurate information, including false statements on loan
application(s) and falsification of documents purporting to substantiate credit, employment, deposit
and asset information, personal information including identity, ownership/non-ownership of real
property, etc.; the alteration or forgery of information; incorrect statements regarding current
occupancy or intent to maintain minimum continuing occupancy as stated in the security instruments;
non-disclosure of relevant information; lack of due diligence by where information is known to be, or
should be suspected to be, inaccurate, which might for example occur by simultaneous or consecutive
processing of multiple owner-occupied loans from one applicant on multiple properties, or from one
applicant supplying different information on each application.


The effects of ‘Loan Fraud” is costly to all parties involved. East West Bank must stand behind the
quality of their loan production. Fraudulent loans cannot be sold in the secondary market and if sold,
will require repurchase by East West Bank. Fraudulent loans, damage East West Bank’s reputation
with its investors and mortgage insurance providers.
The price paid by those who participate in “Loan Fraud” is even more costly. Following is a list of a
few of the potential consequences that may incur:

                                  CONSEQUENCES TO BROKER

1.     Criminal prosecution.
2.     Loss of Real Estate Broker’s License.
3.     Loss of lender access due to exchange of information between leaders, mortgage insurance
       companies, investors, law enforcement agencies, and others.
4.     Civil action by East West Bank and/or by applicant/borrower.
5.     Loss of approval status by East West Bank.

We agree to the foregoing and understand East West Bank’s position on “Loan Fraud.”

Date: ____________________                           Broker Name: ____________________________

                                                     By: _____________________________________
                                                     Name: ___________________________________
                                                     Title: ____________________________________

(Rev. October 2007)
                                       W-9                                          Request for Taxpayer                                                                 Give form to the
                                                                                                                                                                         requester. Do not
Department of the Treasury
                                                                          Identification Number and Certification                                                        send to the IRS.
Internal Revenue Service
                                       Name (as shown on your income tax return)
See Specific Instructions on page 2.

                                       Business name, if different from above
           Print or type

                                       Check appropriate box:       Individual/Sole proprietor          Corporation         Partnership
                                          Limited liability company. Enter the tax classification (D=disregarded entity, C=corporation, P=partnership)                     payee
                                           Other (see instructions)
                                       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. The TIN provided must match the name given on Line 1 to avoid                                                    Social security number
 backup withholding. For individuals, this is your social security number (SSN). However, for a resident
 alien, sole proprietor, or disregarded entity, see the Part I instructions on page 3. 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 3.                                                                  or
 Note. If the account is in more than one name, see the chart on page 4 for guidelines on whose                                                          Employer identification number
 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. citizen or other U.S. person (defined below).
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 4.

Sign                                       Signature of
Here                                       U.S. person                                                                                     Date

General Instructions                                                                                                 Definition of a U.S. person. For federal tax purposes, you are
                                                                                                                     considered a U.S. person if you are:
Section references are to the Internal Revenue Code unless
otherwise noted.                                                                                                     ● An individual who is a U.S. citizen or U.S. resident alien,
                                                                                                                     ● A partnership, corporation, company, or association created or
Purpose of Form                                                                                                      organized in the United States or under the laws of the United
A person who is required to file an information return with the                                                      States,
IRS must obtain your correct taxpayer identification number (TIN)                                                    ● An estate (other than a foreign estate), or
to report, for example, income paid to you, real estate                                                              ● A domestic trust (as defined in Regulations section
transactions, mortgage interest you paid, acquisition or                                                             301.7701-7).
abandonment of secured property, cancellation of debt, or
                                                                                                                     Special rules for partnerships. Partnerships that conduct a
contributions you made to an IRA.
                                                                                                                     trade or business in the United States are generally required to
   Use Form W-9 only if you are a U.S. person (including a                                                           pay a withholding tax on any foreign partners’ share of income
resident alien), to provide your correct TIN to the person                                                           from such business. Further, in certain cases where a Form W-9
requesting it (the requester) and, when applicable, to:                                                              has not been received, a partnership is required to presume that
   1. Certify that the TIN you are giving is correct (or you are                                                     a partner is a foreign person, and pay the withholding tax.
 waiting for a number to be issued),                                                                                 Therefore, if you are a U.S. person that is a partner in a
                                                                                                                     partnership conducting a trade or business in the United States,
   2. Certify that you are not subject to backup withholding, or                                                     provide Form W-9 to the partnership to establish your U.S.
   3. Claim exemption from backup withholding if you are a U.S.                                                      status and avoid withholding on your share of partnership
exempt payee. If applicable, you are also certifying that as a                                                       income.
U.S. person, your allocable share of any partnership income from                                                        The person who gives Form W-9 to the partnership for
a U.S. trade or business is not subject to the withholding tax on                                                    purposes of establishing its U.S. status and avoiding withholding
foreign partners’ share of effectively connected income.                                                             on its allocable share of net income from the partnership
Note. If a requester gives you a form other than Form W-9 to                                                         conducting a trade or business in the United States is in the
request your TIN, you must use the requester’s form if it is                                                         following cases:
substantially similar to this Form W-9.
                                                                                                                     ● The U.S. owner of a disregarded entity and not the entity,
                                                                                                         Cat. No. 10231X                                               Form   W-9   (Rev. 10-2007)
Form W-9 (Rev. 10-2007)                                                                                                             Page   2
● The U.S. grantor or other owner of a grantor trust and not the         4. The IRS tells you that you are subject to backup
trust, and                                                             withholding because you did not report all your interest and
● The U.S. trust (other than a grantor trust) and not the              dividends on your tax return (for reportable interest and
beneficiaries of the trust.                                            dividends only), or
Foreign person. If you are a foreign person, do not use Form             5. You do not certify to the requester that you are not subject
W-9. Instead, use the appropriate Form W-8 (see Publication            to backup withholding under 4 above (for reportable interest and
515, Withholding of Tax on Nonresident Aliens and Foreign              dividend accounts opened after 1983 only).
Entities).                                                               Certain payees and payments are exempt from backup
                                                                       withholding. See the instructions below and the separate
Nonresident alien who becomes a resident alien. Generally,             Instructions for the Requester of Form W-9.
only a nonresident alien individual may use the terms of a tax
treaty to reduce or eliminate U.S. tax on certain types of income.       Also see Special rules for partnerships on page 1.
However, most tax treaties contain a provision known as a
“saving clause.” Exceptions specified in the saving clause may
permit an exemption from tax to continue for certain types of          Failure to furnish TIN. If you fail to furnish your correct TIN to a
income even after the payee has otherwise become a U.S.                requester, you are subject to a penalty of $50 for each such
resident alien for tax purposes.                                       failure unless your failure is due to reasonable cause and not to
   If you are a U.S. resident alien who is relying on an exception     willful neglect.
contained in the saving clause of a tax treaty to claim an             Civil penalty for false information with respect to
exemption from U.S. tax on certain types of income, you must           withholding. If you make a false statement with no reasonable
attach a statement to Form W-9 that specifies the following five       basis that results in no backup withholding, you are subject to a
items:                                                                 $500 penalty.
   1. The treaty country. Generally, this must be the same treaty      Criminal penalty for falsifying information. Willfully falsifying
under which you claimed exemption from tax as a nonresident            certifications or affirmations may subject you to criminal
alien.                                                                 penalties including fines and/or imprisonment.
   2. The treaty article addressing the income.                        Misuse of TINs. If the requester discloses or uses TINs in
   3. The article number (or location) in the tax treaty that          violation of federal law, the requester may be subject to civil and
contains the saving clause and its exceptions.                         criminal penalties.
  4. The type and amount of income that qualifies for the
exemption from tax.                                                    Specific Instructions
   5. Sufficient facts to justify the exemption from tax under the     Name
terms of the treaty article.
                                                                       If you are an individual, you must generally enter the name
   Example. Article 20 of the U.S.-China income tax treaty allows
                                                                       shown on your income tax return. However, if you have changed
an exemption from tax for scholarship income received by a
                                                                       your last name, for instance, due to marriage without informing
Chinese student temporarily present in the United States. Under
U.S. law, this student will become a resident alien for tax            the Social Security Administration of the name change, enter
                                                                       your first name, the last name shown on your social security
purposes if his or her stay in the United States exceeds 5
                                                                       card, and your new last name.
calendar years. However, paragraph 2 of the first Protocol to the
U.S.-China treaty (dated April 30, 1984) allows the provisions of         If the account is in joint names, list first, and then circle, the
Article 20 to continue to apply even after the Chinese student         name of the person or entity whose number you entered in Part I
becomes a resident alien of the United States. A Chinese               of the form.
student who qualifies for this exception (under paragraph 2 of         Sole proprietor. Enter your individual name as shown on your
the first protocol) and is relying on this exception to claim an       income tax return on the “Name” line. You may enter your
exemption from tax on his or her scholarship or fellowship             business, trade, or “doing business as (DBA)” name on the
income would attach to Form W-9 a statement that includes the          “Business name” line.
information described above to support that exemption.
                                                                       Limited liability company (LLC). Check the “Limited liability
   If you are a nonresident alien or a foreign entity not subject to   company” box only and enter the appropriate code for the tax
backup withholding, give the requester the appropriate                 classification (“D” for disregarded entity, “C” for corporation, “P”
completed Form W-8.                                                    for partnership) in the space provided.
What is backup withholding? Persons making certain payments               For a single-member LLC (including a foreign LLC with a
to you must under certain conditions withhold and pay to the           domestic owner) that is disregarded as an entity separate from
IRS 28% of such payments. This is called “backup withholding.”         its owner under Regulations section 301.7701-3, enter the
Payments that may be subject to backup withholding include             owner’s name on the “Name” line. Enter the LLC’s name on the
interest, tax-exempt interest, dividends, broker and barter            “Business name” line.
exchange transactions, rents, royalties, nonemployee pay, and
certain payments from fishing boat operators. Real estate                For an LLC classified as a partnership or a corporation, enter
transactions are not subject to backup withholding.                    the LLC’s name on the “Name” line and any business, trade, or
                                                                       DBA name on the “Business name” line.
   You will not be subject to backup withholding on payments
you receive if you give the requester your correct TIN, make the       Other entities. Enter your business name as shown on required
proper certifications, and report all your taxable interest and        federal tax documents on the “Name” line. This name should
dividends on your tax return.                                          match the name shown on the charter or other legal document
                                                                       creating the entity. You may enter any business, trade, or DBA
Payments you receive will be subject to backup                         name on the “Business name” line.
withholding if:                                                        Note. You are requested to check the appropriate box for your
   1. You do not furnish your TIN to the requester,                    status (individual/sole proprietor, corporation, etc.).
   2. You do not certify your TIN when required (see the Part II       Exempt Payee
instructions on page 3 for details),
   3. The IRS tells the requester that you furnished an incorrect      If you are exempt from backup withholding, enter your name as
TIN,                                                                   described above and check the appropriate box for your status,
                                                                       then check the “Exempt payee” box in the line following the
                                                                       business name, sign and date the form.
Form W-9 (Rev. 10-2007)                                                                                                                         Page   3
Generally, individuals (including sole proprietors) are not exempt                  Part I. Taxpayer Identification
from backup withholding. Corporations are exempt from backup
withholding for certain payments, such as interest and dividends.                   Number (TIN)
Note. If you are exempt from backup withholding, you should                         Enter your TIN in the appropriate box. If you are a resident
still complete this form to avoid possible erroneous backup                         alien and you do not have and are not eligible to get an SSN,
withholding.                                                                        your TIN is your IRS individual taxpayer identification number
   The following payees are exempt from backup withholding:                         (ITIN). Enter it in the social security number box. If you do not
                                                                                    have an ITIN, see How to get a TIN below.
  1. An organization exempt from tax under section 501(a), any
IRA, or a custodial account under section 403(b)(7) if the account                     If you are a sole proprietor and you have an EIN, you may
satisfies the requirements of section 401(f)(2),                                    enter either your SSN or EIN. However, the IRS prefers that you
                                                                                    use your SSN.
   2. The United States or any of its agencies or                                      If you are a single-member LLC that is disregarded as an
instrumentalities,                                                                  entity separate from its owner (see Limited liability company
   3. A state, the District of Columbia, a possession of the United                 (LLC) on page 2), enter the owner’s SSN (or EIN, if the owner
States, or any of their political subdivisions or instrumentalities,                has one). Do not enter the disregarded entity’s EIN. If the LLC is
  4. A foreign government or any of its political subdivisions,                     classified as a corporation or partnership, enter the entity’s EIN.
agencies, or instrumentalities, or                                                  Note. See the chart on page 4 for further clarification of name
   5. An international organization or any of its agencies or                       and TIN combinations.
instrumentalities.                                                                  How to get a TIN. If you do not have a TIN, apply for one
                                                                                    immediately. To apply for an SSN, get Form SS-5, Application
   Other payees that may be exempt from backup withholding                          for a Social Security Card, from your local Social Security
include:                                                                            Administration office or get this form online at www.ssa.gov. You
   6. A corporation,                                                                may also get this form by calling 1-800-772-1213. Use Form
  7. A foreign central bank of issue,                                               W-7, Application for IRS Individual Taxpayer Identification
  8. A dealer in securities or commodities required to register in                  Number, to apply for an ITIN, or Form SS-4, Application for
the United States, the District of Columbia, or a possession of                     Employer Identification Number, to apply for an EIN. You can
the United States,                                                                  apply for an EIN online by accessing the IRS website at
                                                                                    www.irs.gov/businesses and clicking on Employer Identification
   9. A futures commission merchant registered with the                             Number (EIN) under Starting a Business. You can get Forms W-7
Commodity Futures Trading Commission,                                               and SS-4 from the IRS by visiting www.irs.gov or by calling
     10. A real estate investment trust,                                            1-800-TAX-FORM (1-800-829-3676).
  11. An entity registered at all times during the tax year under                      If you are asked to complete Form W-9 but do not have a TIN,
the Investment Company Act of 1940,                                                 write “Applied For” in the space for the TIN, sign and date the
                                                                                    form, and give it to the requester. For interest and dividend
  12. A common trust fund operated by a bank under section                          payments, and certain payments made with respect to readily
584(a),                                                                             tradable instruments, generally you will have 60 days to get a
  13. A financial institution,                                                      TIN and give it to the requester before you are subject to backup
  14. A middleman known in the investment community as a                            withholding on payments. The 60-day rule does not apply to
nominee or custodian, or                                                            other types of payments. You will be subject to backup
                                                                                    withholding on all such payments until you provide your TIN to
  15. A trust exempt from tax under section 664 or described in                     the requester.
section 4947.
                                                                                    Note. Entering “Applied For” means that you have already
  The chart below shows types of payments that may be                               applied for a TIN or that you intend to apply for one soon.
exempt from backup withholding. The chart applies to the                            Caution: A disregarded domestic entity that has a foreign owner
exempt payees listed above, 1 through 15.                                           must use the appropriate Form W-8.
IF the payment is for . . .                 THEN the payment is exempt              Part II. Certification
                                            for . . .
                                                                                    To establish to the withholding agent that you are a U.S. person,
Interest and dividend payments              All exempt payees except                or resident alien, sign Form W-9. You may be requested to sign
                                            for 9                                   by the withholding agent even if items 1, 4, and 5 below indicate
Broker transactions                         Exempt payees 1 through 13.             otherwise.
                                            Also, a person registered under            For a joint account, only the person whose TIN is shown in
                                            the Investment Advisers Act of          Part I should sign (when required). Exempt payees, see Exempt
                                            1940 who regularly acts as a            Payee on page 2.
                                            broker                                  Signature requirements. Complete the certification as indicated
Barter exchange transactions                Exempt payees 1 through 5               in 1 through 5 below.
and patronage dividends                                                                1. Interest, dividend, and barter exchange accounts
                                                                                    opened before 1984 and broker accounts considered active
Payments over $600 required                 Generally, exempt payees
                                                        2                           during 1983. You must give your correct TIN, but you do not
to be reported and direct                   1 through 7                             have to sign the certification.
sales over $5,000
                                                                                       2. Interest, dividend, broker, and barter exchange
1                                                                                   accounts opened after 1983 and broker accounts considered
    See Form 1099-MISC, Miscellaneous Income, and its instructions.
2                                                                                   inactive during 1983. You must sign the certification or backup
    However, the following payments made to a corporation (including gross
    proceeds paid to an attorney under section 6045(f), even if the attorney is a
                                                                                    withholding will apply. If you are subject to backup withholding
    corporation) and reportable on Form 1099-MISC are not exempt from               and you are merely providing your correct TIN to the requester,
    backup withholding: medical and health care payments, attorneys’ fees, and      you must cross out item 2 in the certification before signing the
    payments for services paid by a federal executive agency.                       form.
Form W-9 (Rev. 10-2007)                                                                                                                                           Page   4
  3. Real estate transactions. You must sign the certification.                                      Secure Your Tax Records from Identity Theft
You may cross out item 2 of the certification.
                                                                                                     Identity theft occurs when someone uses your personal
   4. Other payments. You must give your correct TIN, but you                                        information such as your name, social security number (SSN), or
do not have to sign the certification unless you have been                                           other identifying information, without your permission, to commit
notified that you have previously given an incorrect TIN. “Other                                     fraud or other crimes. An identity thief may use your SSN to get
payments” include payments made in the course of the                                                 a job or may file a tax return using your SSN to receive a refund.
requester’s trade or business for rents, royalties, goods (other
than bills for merchandise), medical and health care services                                           To reduce your risk:
(including payments to corporations), payments to a                                                  ● Protect your SSN,
nonemployee for services, payments to certain fishing boat crew                                      ● Ensure your employer is protecting your SSN, and
members and fishermen, and gross proceeds paid to attorneys                                          ● Be careful when choosing a tax preparer.
(including payments to corporations).
                                                                                                        Call the IRS at 1-800-829-1040 if you think your identity has
  5. Mortgage interest paid by you, acquisition or                                                   been used inappropriately for tax purposes.
abandonment of secured property, cancellation of debt,
qualified tuition program payments (under section 529), IRA,                                            Victims of identity theft who are experiencing economic harm
Coverdell ESA, Archer MSA or HSA contributions or                                                    or a system problem, or are seeking help in resolving tax
distributions, and pension distributions. You must give your                                         problems that have not been resolved through normal channels,
correct TIN, but you do not have to sign the certification.                                          may be eligible for Taxpayer Advocate Service (TAS) assistance.
                                                                                                     You can reach TAS by calling the TAS toll-free case intake line
                                                                                                     at 1-877-777-4778 or TTY/TDD 1-800-829-4059.
What Name and Number To Give the Requester
                                                                                                     Protect yourself from suspicious emails or phishing
          For this type of account:                         Give name and SSN of:                    schemes. Phishing is the creation and use of email and
                                                                                                     websites designed to mimic legitimate business emails and
    1. Individual                                    The individual
                                                                                                     websites. The most common act is sending an email to a user
    2. Two or more individuals (joint                The actual owner of the account or,
       account)                                      if combined funds, the first
                                                                                                     falsely claiming to be an established legitimate enterprise in an
                                                     individual on the account
                                                                                                     attempt to scam the user into surrendering private information
    3. Custodian account of a minor                  The minor
                                                                 2                                   that will be used for identity theft.
       (Uniform Gift to Minors Act)
                                                                                                        The IRS does not initiate contacts with taxpayers via emails.
    4. a. The usual revocable savings                The grantor-trustee                             Also, the IRS does not request personal detailed information
       trust (grantor is also trustee)                                                               through email or ask taxpayers for the PIN numbers, passwords,
       b. So-called trust account that is            The actual owner                                or similar secret access information for their credit card, bank, or
       not a legal or valid trust under                                                              other financial accounts.
       state law
    5. Sole proprietorship or disregarded            The owner
                                                                                                        If you receive an unsolicited email claiming to be from the IRS,
       entity owned by an individual                                                                 forward this message to phishing@irs.gov. You may also report
                                                            Give name and EIN of:
                                                                                                     misuse of the IRS name, logo, or other IRS personal property to
          For this type of account:
                                                                                                     the Treasury Inspector General for Tax Administration at
 6. Disregarded entity not owned by an               The owner                                       1-800-366-4484. You can forward suspicious emails to the
    individual                                                                                       Federal Trade Commission at: spam@uce.gov or contact them at
 7. A valid trust, estate, or pension trust          Legal entity                                    www.consumer.gov/idtheft or 1-877-IDTHEFT(438-4338).
 8. Corporate or LLC electing                        The corporation
    corporate status on Form 8832                                                                      Visit the IRS website at www.irs.gov to learn more about
 9. Association, club, religious,                    The organization                                identity theft and how to reduce your risk.
    charitable, educational, or other
    tax-exempt organization
10. Partnership or multi-member LLC                  The partnership
11. A broker or registered nominee                   The broker or nominee
12. Account with the Department of                   The public entity
    Agriculture in the name of a public
    entity (such as a state or local
    government, school district, or
    prison) that receives agricultural
    program payments
    List first and circle the name of the person whose number you furnish. If only one person
    on a joint account has an SSN, that person’s number must be furnished.
    Circle the minor’s name and furnish the minor’s SSN.
    You must show your individual name and you may also enter your business or “DBA”
    name on the second name line. You may use either your SSN or EIN (if you have one),
    but the IRS encourages you to use your SSN.
    List first and circle the name of the trust, estate, or pension trust. (Do not furnish the TIN
    of the personal representative or trustee unless the legal entity itself is not designated in
    the account title.) Also see Special rules for partnerships on page 1.

Note. If no name is circled when more than one name is listed,
the number will be considered to be that of the first name listed.

Privacy Act Notice
Section 6109 of the Internal Revenue Code requires you to provide your correct TIN to persons who must file information returns with the IRS to report interest,
dividends, and certain other income paid to you, mortgage interest you paid, the acquisition or abandonment of secured property, cancellation of debt, or
contributions you made to an IRA, or Archer MSA or HSA. The IRS uses the numbers for identification purposes and to help verify the accuracy of your tax return.
The IRS may also provide this information to the Department of Justice for civil and criminal litigation, and to cities, states, the District of Columbia, and U.S.
possessions to carry out their tax laws. We may also disclose this information to other countries under a tax treaty, to federal and state agencies to enforce federal
nontax criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism.
  You must provide your TIN whether or not you are required to file a tax return. Payers must generally withhold 28% of taxable interest, dividend, and certain other
payments to a payee who does not give a TIN to a payer. Certain penalties may also apply.

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