DocuSign Envelope ID: 59570314.BACIE4D83.8C94-9C20E6761FEC BORROWER'S NOTICE OF INTENT TO PROCEED CERTIFICATION & AUTHORIZATION TO RELEASE INFORMATION The undersigned certify: I/We have submitted an application to Embrace Home Loans, Inc. (Embrace) as of 08/25/16, and Embrace has provided us with informational disclosures about our loan including, but not limited to a Loan Estimate, and we acknowledge receipt of this disclosure. We understand that a Market Value Appraisal of our property, performed by an independent professional appraiser, may be required to complete our loan application, and that Embrace may collect a fee in advance to pay for those services. If the fee we pay is greater than the cost of the appraisal, then the difference is refundable to us. If the fee we advance is not enough to pay for the service, then we may be required to pay an additional amount. We further understand that the appraisal fee is considered to have been earned by the appraiser once their services have been provided, and is not refundable afterwards. In applying for this loan, I/We will complete or have completed various loan application documents containing various forms of information supporting our credit request, including, but not limited to Employment and Income Information, Assets and Liabilities, and other information. both public and private. I/We certify that the information we provide is true and accurate, and contains no misrepresentations or omissions of pertinent information in the loan application or other documents. I/We understand and agree that Embrace or its Closing Agent or Service Provider reserves the right to amend the review process for my/our application, which may include verifying the information provided on the application with the employer or financial institution. I/We fully understand that, under Title 18, US Code, Sec. 1014, it is a Federal Crime punishable by fine and/or imprisonment, to knowingly make false statements when