By consenting and proceeding with my application to Tomo Mortgage, LLC (“Tomo Mortgage”), I/we certify and authorize the following:

Certification

1. I/We have applied for a mortgage loan through Tomo Mortgage. In applying for the loan, I/We completed a loan application containing various information on the purpose of the loan, the amount and source of the down payment, employment and income information, and the assets and liabilities. I/We certify that all of the information is true and complete. I/We made no misrepresentations in the loan application or other documents, nor did I/We omit any pertinent information.
2. I/We understand and agree that Tomo Mortgage reserves the right to change the mortgage loan review processes to a full documentation program. This may include verifying the information provided on the application with the employer and/or the financial institution, and using the services of third-party data providers in order to access such information from the employer and/or the financial institution.
3. I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, Section 1014.

Authorization to Release Information

1. I/We have applied for a mortgage loan through Tomo Mortgage. As part of the application process, Tomo Mortgage and the mortgage guaranty insurer (if any), may (a) verify information contained in my/our loan application and in other documents required in connection with the loan, either before the loan is closed or as part of its quality control program, and (b) utilize the services of third-party data providers in order to access the verified information loan application and in other documents required in connection with the loan, either before the loan is closed or as part of its quality control program.
2. I/We authorize Tomo Mortgage to (a) verify my/our past and present employment, earning records, bank accounts, stock holdings, and any other assets needed to process my/our mortgage loan application, and (b) utilize the services of third-party data providers in order to access verified information related to my/our past and present employment, earning records, bank accounts, stock holdings, and any other assets needed to process my/our mortgage loan application.
3. I/We authorize Tomo Mortgage to order necessary consumer credit reports and verify other credit information, including past and present mortgage references.
4. I/We authorize you to provide to Tomo Mortgage and to any investor to whom Tomo Mortgage may sell my mortgage, any and all information and documentation that they request. Such information includes, but is not limited to, employment history and income; bank, money market and similar account balances; credit history; and copies of income tax returns.
5. Tomo Mortgage or any investor that purchases the mortgage may address this authorization to any party named in the loan application.
6. A copy of this authorization may be accepted as an original.
7. Your prompt reply to Tomo Mortgage, the investor that purchased the mortgage, or the mortgage insurer (if any) is appreciated.