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HOME EQUITY APPLICATION CHECKLISTHome Equity Loans/LinesThis Checklist has been provided to help you gather information to include with your application. Boxes checked in the left column will apply to you.Please check the boxes in the right column when you have gathered the required information.Your customer service representative will help you determine the information you need to provideand answer any questions you may have.If you are applying for a loan amount in excessive of 250,000.00 you must complete a PersonalFinancial Statement.Personal Financial Statement If you are salaried, please provide:One month’s most recent pay stubs .Last 2 years signed and dated Federal tax returns (1040) with all schedules (if applicable) .Two year W-2’s and 1099s.Copy of most recent property tax bill and evidence of homeowners insurance .Copies of past two (2) statements on bank accounts .If you are self-employed, please provide:Last 2 years signed and dated Federal tax returns (1040) with all schedules .Copy of most recent property tax bill and evidence of homeowners insurance .Copies of past two (2) statements on bank accounts .If relying on commissions, interest, dividend or other sources of income, please provide:Last 2 years signed and dated Federal tax returns (1040) with all schedules .Copy of most recent property tax bill and evidence of homeowners insurance. .If relying on alimony or child support, * please provide:Last 2 years signed and dated Federal tax returns (1040) with all schedules .Copy of six months consecutive bank statement reflecting deposits or six monthsconsecutive cancelled checks .Copy of most recent property tax bill and evidence of homeowners insurance. .Copy of divorce decree, if applicable .* Alimony, child support, or separate maintenance income need not be revealed if youdo not wish to have it considered as a basis for repaying the loan.If you receive disability, social security, or pension Income, please provide:Last 2 years signed and dated Federal tax returns (1040) with all schedules. .Copy of award letter, and 2 consecutive bank statements reflecting deposit or a copy of mostrecent month’s award check . .Copy of most recent property tax bill and evidence of homeowners insurance. .If you receive rental Income, please provide:Last 2 years signed and dated Federal tax returns (1040) with all schedules .Copy of lease agreements (if applicable). .Copy of most recent property tax bills, homeowners insurance, and mortgage statements forrental properties .Copy of most recent property tax bill and evidence of homeowners insurance .L:\Servicing\HELOC Kit Docs\Word Docs\Checklist HELOC Application rev. 2015.doc

If you receive income from a trust, please provide:Last 2 years signed and dated Federal tax returns (1040) with all schedules. .Copy of trust agreement signed and dated. .Copy of most recent property tax bill and evidence of homeowners insurance.If you currently have a mortgage loan, please provide:Copy of most recent mortgage statement with principal balance. . .Copy of the promissory note and deed. . .If your first mortgage is privately held, please provide:Copy of the promissory note and deed. .Copies of mortgage payment checks (front and back) for the past 12 months .If property is held in trust, please provide:Copy of trust agreement signed and dated and schedule of beneficiaries. . Copy of trust promissory note and deed (if applicable) After you gather all of the information needed on the checklist, please return this information to you customerservice representative along with your completed application.L:\Servicing\HELOC Kit Docs\Word Docs\Checklist HELOC Application rev. 2015.doc

Home Equity Line of CreditApplication PackageContentsHome Equity Application Check ListHome Equity Application Disclosure*Home Equity Application*Personal Financial Statement* (for loan requests greater than 250,000)Certification and Authorization Form*Equal Opportunity Lender*Notice Regarding Legal Representation*Servicing Disclosure Statement*Hazard Insurance RequirementsHomeowner Insurance Information Worksheet*Disclosure of Right to Receive an Appraisal*Environmental DisclosurePrivacy StatementRequest for Taxpayer W-9*Request for Copy of Tax Return 4506*What You Should Know About Home Equity Lines of Credit (Booklet)* All items marked with an asterisk are to be signed and returned.Thank you for applying with The First Bank of Greenwich.L:\Servicing\HELOC Kit Docs\Word Docs\Checklist HELOC Application rev. 2015.doc

CERTIFICATION AND AUTHORIZATIONCERTIFICATIONTo The First Bank of Greenwich ("Lender"):1.Applicant (and co-applicant if applicable), , has applied for a loan fromLender. In applying for the loan, Applicant provided to Lender various information about Applicant and the requested loan, such asthe amount and source of any down payment, income information, and assets and liabilities. Applicant certifies that all of theinformation is true and complete. Applicant made no misrepresentations to Lender, nor did Applicant omit any important information.2.Applicant understands and agrees that Lender may verify any information provided to Lender concerning Applicant's application,including, but without limitation, verifications from financial institutions of the information provided.3.Applicant fully understands that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any falsestatements when applying for this loan, as applicable under the provisions of Title 18, United States Code, Section 1014.AUTHORIZATION TO RELEASE INFORMATIONTo Whom It May Concern:1.Applicant has applied for a loan from The First Bank of Greenwich ("Lender"). As part of the application process, Lender, anyinsurer of the loan and any collateral title insurer may verify information Applicant provided to Lender either before or after the loan isclosed.2.Applicant authorizes you to provide to Lender, to any investor to whom Lender may sell Applicant's loan, and to any insurer of theloan any and all information and documentation that they may request. Such information may include, but is not limited to, income;bank, money market, and similar account balances; credit history; and copies of income tax returns.3.Lender, any investor that purchases the loan, and any insurer of the loan may address and send this authorization to any person orcompany named in the loan application.4.A copy of this authorization may be accepted as an original.5.Your prompt reply to The First Bank of Greenwich, to any investor that purchases the loan, and to any insurer of the loan isappreciated.Applicant:X SSN:DOB: Date:Applicant:X SSN:DOB: Date:

Electronic Disclosures AgreementConsent To Electronic Delivery of DisclosuresYou have the right to receive certain disclosures at the time of application in a form that you may keep. By entering into thisAgreement, you understand that the Bank will provide you with certain disclosures only in electronic form via email. You agree thatany communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, may bemade electronically via an e-mail with attached disclosures. We will send all notices, attachments, and/or documents via e-mail tothe last known e-mail address provided by you.You understand that if you decide in the future that you would like to receive printed disclosures in the mail instead of receiving orobtaining disclosures or notices electronically, you agree to notify the Bank in person, via telephone or via U.S. Mail. Our telephonenumber and postal address are: (203)629-8400; The First Bank of Greenwich, Attention: Lending Department, 444 East PutnamAvenue, Cos Cob, CT 06807.Withdrawing Your ConsentYou may withdraw your consent to receive electronic disclosures or notices by notifying us at the telephone number oraddress listed in the “Consent to Electronic Delivery of Disclosures” section above. After you withdraw your consent, wewill mail any required disclosures or notices to the address last known to us for your loan account. Your withdrawal ofconsent will apply to all disclosures and notices to which your consent applied. You agree that we have a reasonableamount of time to implement your withdrawal of consent to receive such electronic disclosures or notices and to beginsending printed documents to you.Obtaining a Printed Disclosure or NoticeIf you need to obtain a printed copy of disclosures or notices that have not been mailed to you because you have agreedto receive electronic versions instead, please call the Bank at (203)629-8400. The Bank will not charge a fee for thisservice.Acknowledgement of Consent I/We elect to receive disclosures or notices electronically*Please use the following e-mailaddress for such correspondence:@.com I/We elect not to receive disclosures or notices electronically **BY:SignatureDateSignatureDateBY:*By consenting to these terms, you acknowledge and agree with the terms stated herein, and that you can access, view and retain the paperlessdocuments described in PDF formats. You understand that you should contact the Lending Department to report any problems you mayencounter.**The Bank will send disclosures and notices via U.S Postal service to the address provided at application.

THE FIRST BANK OF GREENWICH444 East Putnam AvenueCos Cob, CT 06807STATEMENT OF OCCUPANCYBorrower:Co-Borrower:Premises:The Undersigned, having applied for a Loan on the above referenced property, certifiesas follows (check one):Principle Residence: The property will be occupied as my/our primary residenceSecond Home:Investment Property: This property will not be occupied by me/us and will beconsidered strictly an investor unit.The property will be a second home used in addition tomy/our primary residence.We fully understand that this certification is made for the purpose of determiningeligibility for this loan. We fully understand that it is a Federal crime punishable by fineor imprisonment, or both, to knowingly make any false statements concerning the aboverepresentation.DateBorrowerDateCo-Borrower

The First Bank of Greenwich444 East Putnam AvenueCos Cob, CT 06807NOTICE REGARDING LEGAL REPRESENTATIONThe following statement is made pursuant to Section 46-6d of the Connecticut GeneralStatutes.1.You as borrower may have legal interests that differ from ours, as lender.2.We may not require that you be represented by our attorneys or attorneys nominatedby us.3.You may, however, waive your right to be represented by an attorney.4.You may direct any complaints concerning violations of the above-referencedsection of the law to the State Banking Department.Received by borrower thisBorrower SignatureBorrower SignatureBorrowers’ Attorney NameAttorney AddressAttorney Telephoneday of,20 .

THE FIRST BANK OF GREENWICH444 East Putnam AvenueCos Cob, CT 06807EQUAL OPPORTUNITY LENDERTo Our Applicant:You are hereby provided the following "Equal Credit Opportunity Act" notice as required underSection 202.9(a)(2).The Federal Equal Opportunity Act prohibits creditors from discriminatingagainst credit applicants on the basis of race, color, religion, nationalorigin, sex, marital status, age (provided that the applicant has the capacityto enter into a binding contract); because all or part of the applicant'sincome derives from any public assistance program; or because theapplicant has in good faith exercised any right under the Consumer CreditProtection Act. The Federal Agency that administers compliance wit thisLaw concerning this creditor is:FDIC Consumer Response Center1100 Walnut Street, Box #11Kansas City, Missouri 64106Delivery of the above Notice is hereby acknowledged.Applicant's Signature,Or Mailed By: Date:

The First Bank of Greenwich444 East Putnam AvenueCos Cob, Connecticut 06807Tel. (203) 629-8400Fax: (203) 629-8409Borrower:Property Address:ENVIRONMENTAL DISCLOSURE STATEMENTBorrower has applied to The First Bank of Greenwich (“Lender”) for a loan secured bythe property described above (the “Property”).Borrower represents and warrants to Lender as follows:1.Borrower has conducted a physical inspection of the Property and has noknowledge of any environmentally hazardous material or condition existing onthe Property, any adjacent property or property in the immediate area except:2.Borrower has no knowledge of any investigation or proceeding by anygovernmental body concerning an environmentally hazardous material on orcondition of the Property.3.Borrower has delivered to Lender a true and correct copy of the Real EstateTransfer Disclosure Statement given to Borrower by the seller of the Property,and has advised Lender of any disclosure made to Borrower by the seller or anyreal estate agent concerning an environmentally hazardous material or conditionon the Property.Lender is relying on this representation and warranty in agreeing to extend a loan toBorrower. Borrower acknowledges and agrees that Lender has no responsibility toBorrower to inspect the property for environmentally hazardous material or conditions.Date:Borrower:Environmentally hazardous materials and conditions include asbestos radon gas,underground storage tanks, lead based paint and urea formaldehyde foam insulation, aswell as other materials and conditions. If you have any questions about whether amaterial or condition that exists on the property is hazardous you should notify Lender.

Home Owner Insurance InformationWork SheetApplicants NameStreet AddressTown/City/ZipInsurance Agent Name Street AddressTown/City/ZipTelephone Number Fax NumberInsurance Company Name:Policy Number:Effective Dates:From: To:Annual Premium:

DISCLOSURE OF RIGHT TO RECEIVE A COPY OF AN APPRAISALWe may order an appraisal to determine the property’s value and charge you for thisappraisal. We will promptly give you a copy of any appraisal, even if your loan does notclose.You can pay for an additional appraisal for your own use at your own cost.For questions, or concerns, please contact a Loan Officer at:The First Bank of Greenwich444 East Putnam AvenueCos Cob, CT 06807(203) 629-8400I/We acknowledge that I/we have received a copy of this Disclosure of Right to Receivea Copy of an Appraisal.Applicant:DateDate

SERVICING DISCLOSURE STATEMENTApplicant:Lender:The First Bank of GreenwichMain Office444 E. Putnam AvenueCos Cob, CT 06807SERVICING DISCLOSURE STATEMENTNOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGE LOANPAYMENTS MAY BE TRANSFERRED.You are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. 2601 etseq.). RESPA gives you certain rights under Federal law. This statement describes whether the servicing for this loanmay be transferred to a different loan servicer. "Servicing" refers to collecting your principal, interest, and escrowpayments, if any, as well as sending any monthly or annual statements, tracking account balances, and handling otheraspects of your loan. You will be given advance notice before a transfer occurs.Servicing Transfer Information We may assign, sell or transfer the servicing of your loan while the loan is outstanding.or We do not service mortgage loans of the type for which you applied. We intend to assign, sell, or transfer theservicing of your mortgage loan before the first payment is due.or The loan for which you have applied will be serviced at this financial institution and we do not intend to sell,transfer, or assign the servicing of the loan.ACKNOWLEDGMENT OF MORTGAGE LOAN APPLICANTI/WE HAVE READ THIS DISCLOSURE FORM, AND UNDERSTAND ITS CONTENTS, AS EVIDENCED BY MY/OUR SIGNATURES BELOW. I/WEUNDERSTAND THAT THIS ACKNOWLEDGMENT IS A REQUIRED PART OF THE MORTGAGE LOAN APPLICATION.APPLICANT:XApplicant's SignatureDateXCo-Applicant's SignatureDateLASER PRO Lending, Ver. Copr. Harland Financial Solutions, Inc. 1997, 2014.All Rights Reserved.

Rev. 10/2010FACTSWHAT DOES THE FIRST BANK OF GREENWICH DO WITH YOUR PERSONAL INFORMATIONWhy?Financial companies choose how they share your personal information. Federal law givesconsumers the right to limit some but not all sharing. Federal law also requires us to tell you howwe collect, share, and protect your personal information. Please read this notice carefully tounderstand what we do.What?The types of personal information we collect and share depend on the product or service you havewith us. This information can include: Social Security number and Account balancesAccount transactions and Credit historyPayment history and Transaction or loss historyWhen you are no longer our customer, we continue to share your information as described in thisnotice.How?All financial companies need to share customers' personal information to run their everydaybusiness. In the section below, we list the reasons financial companies can share their customers'personal information; the reasons The First Bank of Greenwich chooses to share; and whether youcan limit this sharing.Reasons we can share your personal informationDoes The First Bank ofGreenwich Share?Can you limit thissharing?For our everyday business purposes such as to process yourtransactions, maintain your account(s), respond to court ordersand legal investigations, or report to credit bureausYesNoFor our marketing purposes to offer our products and servicesto youYesNoFor joint marketing with other financial companiesNoWe don't shareFor our affiliates' everyday business purposes informationabout your transactions and experiencesNoWe don't shareFor our affiliates' everyday business purposes informationabout your creditworthinessNoWe don't shareFor nonaffiliates to market to youNoWe don't shareWhat we doHow does The FirstBank of Greenwichprotect my personalinformation?To protect your personal information from unauthorized access and use, we use securitymeasures that comply with federal law. These measures include computer safeguards andsecured files and buildings.How does The FirstBank of Greenwichcollect my personalinformation?We collect your personal information, for example, when you:Why can't I limit allsharing?We also maintain other physical, electronic and procedural safeguards to protect thisinformation and we limit access to customer information to those employees for whom thatinformation is appropriate. apply for a loan or deposit moneyopen an account or pay your billsuse your credit or debit cardFederal law gives you the right to limit only: sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

PAGE 2DefinitionsAffiliatesCompanies related by common ownership or control.nonfinancial companies. NonaffiliatesThe First Bank of Greenwich has no affiliates.Companies not related by common ownership or control. They can be financial andnonfinancial companies. Joint marketingThey can be financial andThe First Bank of Greenwich does not share with nonaffiliates so they can market toyou.A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you. The First Bank of Greenwich does not jointly market.Other important informationPlease notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Yourwritten notice describing the specifics of any inaccuracies should be sent to us at the following address:The First Bank of Greenwich, 444 East Putnam Avenue, Cos Cob, CT 06807.Call (203) 629-8400 or go to www.greenwichfirst.comQuestions?

HOME OWNERS INSURANCE REQUIREMENTSPlease hand this information to your insurance agent.Each borrower is entitled to his choice of insurance agent as long as these requirements are met:1.ACCEPTABLE INSURANCE COMPANIESThe Bank shall have the right to approve or, for reasonable cause disapprove, the insurer selected to underwrite the insurance inaccordance with regulations set forth by Banking law.NOTE: In connection with any loan, the insurance coverage must be written through a company having a policyholders ratingof at least “A” and financial rating of Class VII according to the latest published Best’s Guide.The insurer must be licensed to do business in Connecticut or the state in which the property is domiciled.2.MINIMUM COVERAGEThe policy must be in an amount sufficient to replace the secured property, real and personal with a maximum deductible of 1,000. Any exceptions must be approved by the Bank. If the secured property is income property, Business Interruption(income) insurance is required.3.POLICY FORMS AND PERILSThe property must be covered by a property policy including the special causes of loss coverage form. ALL property must beinsured on a replacement cost basis. Business real property coverage must include an agreed amount endorsement.4.CONDOMINIUM OR OTHER CO-INSURED PROPERTYUnits must be insured under a policy or policies covering the entire structure containing the subject unit. The amount ofcoverage protecting the subject units must comply with the requirements of the co-insurance clause.The borrower need not be named as an insured if the charter or by-laws governing the property provides that another entity isauthorized to act on behalf of the borrower.The Bank requests one certified copy of the Master Policy covering the division containing the subject unit. Any additionalloans on units within the division shall be referenced to this Master Copy of the Policy. The Master Policy will be retained bythe Bank’s Loan Service Insurance Section.Each loan must have a separate Certificate of Insurance and a separate mortgagee clause. The certificate must specify: 1)Borrower’s name(s), 2) Loan number, 3) Name and address of entity being insured, 4) Lot/tract number, 5) Insurance agentname and address, 6) Expiration date of policy, 7) Description of borrower’s property (unit no., town house no., etc). Note:The First Bank of Greenwich requires an actual certificate of insurance.5.POLICY AND PREMIUM TERMA. One to Four Unit Residential Property1. The policy must be written as continuous unit canceled.B. Five or More Residential Units or Business Property1. The policy must be written for a minimum one year term and a minimum of 30 days notice orcancellation or non-renewal.6.BUSINESS LIABILITYLoans on all business property require commercial general liability insurance with a minimum limit of 1,000,000 peroccurrence. The First Bank of Greenwich shall be named as additional insured.7.FLOOD INSURANCEAll loans with the exception of land loans which are in a documented flood zone are required to maintain flood insurance in theminimum amount required by the National Flood Insurance Program.8.LOSS PAYABLE ENDORSEMENTLenders Loss Payable form, No. 438 BFU in favor of the Bank must be attached to the policy. The Bank’s address andBorrower’s loan number must be shown either in the face of the policy or on the Form No. 438 BFU. The mortgagee clauseshould read:

THE FIRST BANK OF GREENWICHIts successors and/or assigns, as their interests may appear,444 East Putnam AvenueCos Cob CT 068079.INSURED NAME AND PROPERTY ADDRESSThe policy must show name(s) of insured(s) identical to the vesting of the loan and a property address corresponding to thatshown on Bank Records. A legal description must be shown for rural properties, condominiums or other situations if propertyaddress does not adequately define the location of the property.(Example: Star Route 1, Box 5 is inadequate)All Insurance correspondence should be addressed to:

1. Applicant has applied for a loan from The First Bank of Greenwich ("Lender"). As part of the application process, Lender, any insurer of the loan and any collateral title insurer may verify information Applicant provided to Lender either before or after the loan is closed. 2.

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