IMPORTANT DISCLOSURES

G RateLoans.com (“G-RATE”) is a website owned and operated by BlueYield, LLC (“BlueYield”). In order to accept and process your application, BlueYield is required to make available to you important information and disclosure documents online.

By clicking on the “SUBMIT” button, (each of you if more than one person) acknowledge that I have fully read, agree and accept:

• the G-RATE & BlueYield Terms and Agreements, and Electronic Records Disclosure;
• the Privacy Policy, and State Specific Disclosures;
• the Patriot Act Disclosure
• that I am 18 years of age or older; that all the information provided is true, correct and complete
• that I understand that BlueYield is not a lender and that this application for credit may be submitted to various financial institutions for evaluation
• that before this application is submitted, BlueYield will disclose to me the name and addresses of each financial institution that will receive copies of this application and that I will have an opportunity to accept or decline the forwarding of my information to each and every financial institution

TERMS & AGREEMENTS

GRateLoans.com (“G-RATE”) is a BlueYield LLC (“BlueYield”) web site property.

BlueYield is not acting as a Lender related to this loan application, the loan you are attempting to prequalify or apply for is offered through participating Credit Unions, Banks, Lenders, Affiliates and/or Dealers participating with BlueYield (collectively referred to herein as "Lender(s) and/or Affiliate(s)"):

• In submitting this loan application form, I/We certify that all statements made in this loan application form are true and correct, and are made for the purpose of obtaining the loan indicated herein;

• Authorization is given to BlueYield and Lender(s) and/or Affiliate(s) to obtain my credit report in connection with this loan application form, any credit application or transaction resulting from the form, future extensions of credit, for any aspect of the credit transaction, and including but not limited to reviewing my account, taking collection action, or any other permissible purpose under the Federal Fair Credit Reporting Act;

• Verification or re-verification of any information contained in this loan application form may be made at any time by BlueYield and Lender(s) and/or Affiliate(s), either directly or through a credit reporting agency, from any source named in this loan application form, and this loan application form will be retained by BlueYield and Lender(s) and/or Affiliate(s), even if the loan is not approved;

• BlueYield and Lender(s) and/or Affiliate(s) will rely on the information contained in the loan application form and applicant has a continuing obligation to amend and supplement the information provided in this loan application form if any of the material facts stated herein should change;

• Authorization is given to BlueYield and Lender(s) and/or Affiliate(s) to share this loan application form and related information in order to process this loan application form;

• By submitting your loan application form, you give your consent for Lenders and/or Affiliate(s) to send their loan offers to BlueYield where we will communicate them directly back to you via telephone and electronic communications;

• BlueYield may share your loan offer details with its Lender(s) and/or Affiliate(s) where they may communicate them directly back to you via telephone and electronic communications;

• Married individuals may apply for separate accounts;

• BlueYield and Lender(s) and/or Affiliate(s) make no representations or warranties, express or implied, to any applicant or borrower regarding the value, condition or identification of the vehicle to be purchased;

• By submitting my information, I authorize BlueYield and/or its lenders who receive my application to contact me at the phone numbers I, or my co-applicant, provided in this application. I understand and agree that BlueYield and/or its lenders may call any cellular phone number provided using an automated dialing service.

By clicking "Submit", I acknowledge I have read and fully understand the Terms and Agreements as stated and accept them completely.

ELECTRONIC RECORDS DISCLOSURE

GRateLoans.com (“G-RATE”) is a BlueYield LLC (“BlueYield”) web site property.

The Electronic Signatures in Global and National Commerce Act requires your consent to receive certain disclosures electronically. Please read this Electronic Records Disclosure and Agreement ("Agreement") carefully and save or print a copy of the Agreement for your records.

Electronic Records
All communications and disclosures with BlueYield and its participating Credit Unions, Banks, Lenders, Dealerships and/or Affiliates are conducted electronically. However, if you wish to obtain a paper copy of any disclosure, you may write to BlueYield, 700 W Harbor Drive, Suite 408, San Diego, CA 92101. We will not charge you a fee for a paper copy of the disclosure you request.

Your Consent is Required
You must consent to receive disclosures electronically in order to complete the loan application process with BlueYield and its participating Credit Unions, Banks, Lenders, Dealerships and/or Affiliates. Your consent will apply to your loan application form with BlueYield and its participating Credit Unions, Banks, Lenders, Dealerships and/or Affiliates and our continued relationship as well as with any credit union, bank, lender, dealership, and /or affiliate participating with BlueYield from time to time. You may subsequently withdraw your consent by notifying BlueYield at info@blueyield.com. Since BlueYield and its participating Credit Unions, Banks, Lenders, Dealerships and/or Affiliates is structured to provide information in an electronic manner, withdrawing your consent to receive disclosures electronically will terminate your loan application process with BlueYield. You may withdraw your consent to do business electronically with our participating Lenders at no cost to you. You may do so by contacting the Lender at the mailing address, e-mail address or telephone number they provide to you.

Hardware and Software Requirements
To access BlueYield web sites and the participating Credit Union, Banks, Lenders, Dealerships and/or Affiliates and receive disclosures electronically, you must have the following:

• A personal computer or other access device which is capable of accessing the Internet and which can receive HTML files; and

• An Internet web browser which is capable of supporting 128-bit secure socket layer (SSL) encrypted communications, which requires a minimum web browser version of Microsoft® Internet Explorer version 7.0 or Safari version 4.0; and

• 128 bit SSL encryption software.

System Requirements to Retain Electronic Disclosures
To retain any disclosures or other information provided by BlueYield and its participating Credit Unions, Banks, Lenders, Dealerships and/or Affiliates, your system must have the ability to either download to your hard drive or floppy diskette or print web pages as well as embedded HTML files.

Updating Your Information
You should keep us informed of any change to your e-mail address or your physical address. You may notify us of these changes by e-mail at info@GRateLoans.com.

Consent to Receive Disclosures Electronically
Clicking the "Submit" button constitutes your consent to receive disclosures electronically.


PRIVACY & SECURITY STATEMENT

PRIVACY POLICY

The GRateLoans.com website and the financial products and services offered by the website are exclusive products of BlueYield, LLC (“BlueYield”). BlueYield recognizes and respects the importance of your personal information. We believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. As a result, we do not sell or share our customers' personal information to third party marketers offering their products and services. So, you do not have to tell us not to.

Personal Information We Collect
We collect and use personally identifiable information ("personal information") about our customers in the normal course of our business to provide the products and services you have requested and to offer additional products and services that we think will be of interest to you. Personal information about our customers is collected from a number of sources, such as:

• Information you provide to us on applications and through other means, such as your name, address, social security number, employment, assets, income and other debts.

• Information about your transactions with us, such as your account balance, payment history, parties to transactions and credit card usage, and information about our communications with you, such as correspondence and other information.

• Information from a consumer report, such as information regarding your creditworthiness and credit history.

• Information from other outside sources. We collect information from outside sources regarding your employment, credit or other relationship with you or to verify information provided by you. For vehicle or property values, we use sources such as industry valuation services, appraisers or other valuation services. We also obtain demographic and household information from research or database information firms.

Personal Information We Share
We limit who receives personal information and what type of information is shared in the following manner.

BlueYield provides a full range of financial products and services to you through its lending partners. All of these companies work together to provide the services you want. We may share all of the personal information we collect among our partners, except as limited below. By sharing this information among our partners, we can serve you more efficiently and make it easier for you to do business with us. For example, if you are applying for a loan, we may share personal information you have provided to us to more than one financial institution in order to find you the best loan program. This sharing could save you time in applying for multiple loans since you may not need to furnish the same information twice.

You can limit information shared about you within the BlueYield family of companies
You may elect not to have information from your applications, consumer reports or other outside sources shared among our family of companies by sending us an e-mail at optout@BlueYield.com or writing us at BlueYield, Attention Opt Out, 700 W. Harbor Dr, Suite 408, San Diego, CA 92101. Please note that we will continue to share some account and transaction information among our partners and lenders as permitted by law.

Sharing information with companies that work for us
To assist us in providing you products and services that you have requested or already have with us, we may share all of the personal information we collect with companies that work for us. These companies may include title perfection and tracking, operations and data processing companies. These companies might, for example, assist us in processing your transactions or getting the new vehicle registered in your name. In addition, we may share all of the personal information we collect with companies that work for us to provide marketing and other services or other financial institutions with whom we have joint marketing agreements. All of these companies who act on our behalf are obligated to keep the information that we provide to them confidential, and use the information only to provide the services we have asked them to perform for you and us.

Sharing information in other situations
In accordance with standard financial institution and banking industry practices, we may share all of the personal information we collect with credit bureaus and similar organizations. In addition, there are certain laws that permit or require disclosure of personal information about our customers. For example, we may disclose all of the personal information we collect in connection with a subpoena or similar legal process, a fraud investigation, an audit or other examination or the sale of your loan or other account to another financial institution. We may also share all of the personal information we collect outside of our family of companies if we have your consent, such as when you authorize us to forward your loan application to one of our partners who assist in finding alternate lenders if we are unable to meet your needs.

Accuracy of Personal Information
We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

Security of Personal Information
We restrict access to your personal information to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your personal information.

Former Customers
If you close your loan request or otherwise stop doing business with us, we follow the same policies and practices described above regarding the collection and disclosure of personal information.

Do Not Call Policy
We are committed to safeguarding your personal information and strictly control the information we collect and share. As explained in this policy we do not sell or share our customers' personal information to third party marketers offering their products and services.

To reduce the number of telemarketing calls you receive from other businesses, you should register with the Federal Trade Commission’s National Do Not Call registry at www.donotcall.gov, or by calling 888-382-1222.

Placing your number on the National Do Not Call Registry will stop most telemarketing calls, however, you may still receive calls from businesses where you are a customer.

SECURITY POLICY

Online Transaction Practices
BlueYield recognizes and respects the privacy and security of our customers. These online transaction practices are presented to help you understand our commitment to your online privacy and security and to allow you to assist us in fulfilling our commitment to you.

How We Handle E-Mail
E-mail is not necessarily secure against interception. If your communication is very sensitive, or includes personal information such as your account numbers, credit card number or social security number, you must follow the procedures below or you may want to call us or send it through the U.S. mail instead.

To help ensure secure transmissions, your e-mails to us should be sent within our password-protected financial services system. To send a secure message, log in to your account using your user name and password. Inquiries sent through this method are secure and use Secure Sockets Layer (SSL) technology. Never send e-mails containing sensitive information to us through the "Contact Us," "Info" or any other e-mail address that is outside the password-protected financial services system. To ensure our response back to you is secure, we will only provide confidential account information in a response that is provided to you through the secure pages within the password-protected financial services system.

About "Cookies"
When you logon to any of our systems or web pages, we use a "cookie" as part of our interaction with your browser. A "cookie" is a small text file or text identifier placed on your computer by us. Cookies are commonly used on websites and do not harm your system. We use cookies to provide you with a more personalized experience at our website. Some portions of our website require the use of cookies for proper function. These cookies do not collect personally identifiable or confidential information.

Protecting Your Personal Identification Number (PIN)
Our employees WILL NEVER ask you for your online password. If you are asked for this information, please call us toll free at 888-824-8626 immediately and report it to management.

No Data "Capture" with Planning Tools
From time to time there may be planning tools throughout our site to help you make the financial decisions that are right for you. If these tools are available we encourage you to try all of your "what-if" scenarios as often as you like. Examples include the loan calculators. We do not capture the personal information you provide on these planning tools, unless you choose to apply for a loan while using the tool.

If you have questions about our privacy or security practices, please call us toll free at 888-824-8626 or e-mail us at info@GRateLoans.com.

How to Protect Yourself from Fraudulent Emails
Protecting your personal information is of the utmost importance to us. Recently a new form of fraudulent email called “Phishing” has emerged over the Internet. Phishing emails are created to look like a legitimate email from a particular organization. The goal of phishers is to trick you into providing your personal information that can then be used for identity theft or to compromise your bank or credit card accounts.

We recommend following these tips to protect you:

Safe Login
To log in to your account you will always need to use the User Name and Password combination you created at the time you opened your account. To access the Grate Auto Loans website, open a new web browser (e.g., Internet Explorer, Safari or Firefox) and type in the following: http://www.GRateLoans.com.

Email Greetings
Emails from GRateLoans.com or BlueYield will address you by your name. Fraudulent emails often include the salutation “Dear Valued Customer” or “To Whom It May Concern”.

Email Attachments
Emails from GRateLoans.com or BlueYield or will never ask you to download a software program. Software programs contained in fraudulent emails often contain viruses that may harm or compromise your computer.

Request for Personal Information
If BlueYield requires personal information from you, we may notify you via email to log in to your account and provide this information to us by using our secure messaging system. To access the secure messaging system you will have to log in at http://www.GRateLoans.com and enter your User Name and Password combination as describe in the Safe Login section above.

Never provide the following information via email:
• Your Full Name
• Social security number
• Driver’s license number
• Mother’s maiden name
• Email and password combination

Choosing a password
Choose a unique password to include one upper case letter, one lower case letter, and one number and change it every 30–60 days.

If you think that you have received a fraudulent email, please forward the email to abuse@GRateLoans.com or contact us by phone at 888-824-8626. Also, delete the email from your mailbox. Never click on any links or attachments in a suspicious email.

If you have any questions, please do not hesitate to contact us at 888-824-8626.

STATE SPECIFIC DISCLOSURES

Additional Rights
Some states may provide additional privacy protections under existing or future state laws. We are committed to complying with applicable law when we share customer information. If you live in one of the states listed below by clicking "Submit", you acknowledge that you have Read, Agree and Consent and fully understand the these State Specific Disclosure and accept them completely.

California Residents
In order to comply with California law, if your account has a California address we will not disclose information that we have about you with non-financial companies outside of our family of companies, unless otherwise permitted by law.

Vermont Residents
In order to comply with Vermont law, if your account has a Vermont address we will not disclose nonpublic personal financial information about you to nonaffiliated third parties, other than permitted by law, unless you authorize us to make that disclosure. Your authorization must be in writing or, if you agree, in electronic form. If we disclose information about you to non-affiliated third parties with whom we have joint marketing agreements, we will only share information about your name, contact information, and our own transactions and experiences with you.

Maine Applicants
You have the right of free choice in the selection of the agent and insurer through or by which insurance in connection with a loan is to be placed. Obtaining insurance products from a particular agent or broker does not affect credit decisions by the lender.

New York Applicants
A consumer report may be requested in connection with your application. Upon your request, we will tell you whether or not the consumer report was requested and give you the name and address of the consumer reporting agency that furnished the report.

Ohio Applicants
The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Wisconsin Applicants
Wisconsin law provides that no provision of a marital property agreement, a unilateral statement under the marital property law, or a court decree, will adversely affect a creditor’s interests unless the creditor, prior to the time the credit is granted, is furnished with a copy of the agreement, statement or decree or has actual knowledge of the adverse provision. If you are making this application individually and not jointly with your spouse, you understand that Wisconsin law requires that your spouse be given notice of this credit obligation.

Delaware Applicants
Notification
Every licensee shall furnish to every applicant, a copy of this regulation at the time when such application is made. Posting of this regulation in the office of the licensee in a place both prominent and easily visible to all potential applicants shall satisfy this requirement. An explanation as to the contents and limitations contained herein shall satisfy this requirement when transactions occur telephonically. An informational screen containing these limitations with an affirmative acknowledgement by the consumer, prior to application, shall satisfy this requirement for Internet transactions.

Interest
A lender may charge and collect interest in respect to a revolving credit plan or closed-end loan at such a daily, weekly monthly, annual, or other periodic percentage rate or rates as the agreement governing the plan or loan provides, or as established in the manner provided in such agreement. Periodic interest may be calculated on a revolving credit plan using any balance computation method provided for in the agreement governing the plan. Periodic interest may be calculated on a closed-end loan by way of simple interest or such other method as the agreement governing the loan provides.

If the agreement governing the revolving credit plan or closed-end loan so provides, the periodic percentage rate or rates of interest may vary in accordance with a schedule or formula. Such periodic percentage rate or rates may vary from time to time as the rate determined in accordance with such schedule or formula varies and such periodic percentage rate or rates, as so varied, may be made applicable to all or any part of the outstanding unpaid indebtedness or outstanding unpaid amounts. In the case of revolving credit, such rate shall become applicable on or after the first day of the billing cycle that contains the effective date of such variation. In the case of closed-end loan transactions, such rate may be made applicable to all or any part of the outstanding unpaid amounts on and after the effective date of such variation. Without limitation, a permissible schedule or formula hereunder may include provisions in the agreement governing the revolving credit plan or closed-end loan agreement for a change in the periodic percentage rate or rates of interest applicable to all or any part of outstanding unpaid indebtedness or outstanding unpaid amounts, whether by variation of the then applicable periodic percentage rate or rates of interest, variation of an index or margin or otherwise, contingent upon the happening of any event or circumstance specified in the plan or agreement, which event or circumstance may include the failure of the borrower to perform in accordance with the terms of the revolving credit plan or loan agreement.

Additional Fees and Charges; Limitations
If the agreement governing the plan or loan so provides, in addition to, or in lieu of, interest at a periodic percentage rate or rates permitted by Chapter 22, Title 5 of the Delaware Code, the licensee may charge and collect the following fees and charges, subject to the limitations provided below, in respect to revolving credit plans or closed-end loans:

Revolving Credit
With respect to a borrower, a lender may charge, collect, or receive one or more of the following fees and charges under plans subject to the provisions of Subchapter II, Chapter 22, Title 5 of the Delaware Code:

1. Periodic charges - a daily, weekly, monthly, annual or other periodic charge, in such amount or amounts as the agreement may provide for the privileges made available to the borrower under the plan;

2. Transaction charges - a transaction charge or charges in such amount or amounts as the agreement may provide for each separate purchase or loan under the plan;

3. Minimum charges - a minimum charge, in such amount or amounts as the agreement may provide for each daily, weekly, monthly, annual or other scheduled billing period under the plan during any portion of which there is an outstanding unpaid indebtedness under the plan;

4. Fees for services rendered or reimbursement of expenses - reasonable fees for services rendered or for reimbursement of expenses incurred in good faith by the licensee or its agent in connection with such loan, including without limitation, commitment fees, official fees and taxes, premiums or other charges for any guarantee or insurance protecting the licensee against the borrower's default or other credit loss, or costs incurred by reason of examination of title, inspection, recording and other formal acts necessary or appropriate to the security of the loan, filing fees, attorney's fees, and travel expenses. In the event a borrower defaults under the terms of a plan, the licensee may, if the borrower's account is referred to an attorney (not a regularly salaried employee of the licensee) or to a third party for collection and if the agreement governing the revolving credit plan so provides, charge and collect from the borrower a reasonable attorney's fee. In addition, following a borrower's default, the licensee may, if the agreement governing the plan so provides, recover from the borrower all court, alternative dispute resolution or other collection costs (including, without limitation, fees and charges of collection agencies) actually incurred by the licensee;

5. Over limit charges - a charge in such amount or amounts as the agreement may provide, for each daily, weekly, monthly, annual or other scheduled billing period under the plan during any portion of which total outstanding indebtedness exceeds the credit limit established under the plan;
6. Delinquency charges - a late or delinquency charge upon any outstanding unpaid installment payments or portions thereof under the plan which are in default; provided, however, that no more than 1 such late or delinquency charge may be imposed in respect of any single such installment payment or portion thereof regardless of the period during which it remains in default; and provided further, however, that for the purpose only of the preceding provision all payments by the borrower shall be deemed to be applied to satisfaction of installment payments in the order in which they become due.

7. Returned check charges - a returned check charge may be assessed to consumers, in such amount or amounts as the agreement may provide, provided the amount(s) of such charges are customary and reasonable for checks that are returned unpaid.

8. Termination fees - a charge in such amount or amounts as the agreement may provide to terminate revolving credit plan.

9. Charges incurred in connection with real estate secured transactions - in the case of revolving credit secured by real estate such additional charges as outlined in item (3)(c) of this regulation may also be collected within the limitations stated therein.

Closed-end Credit
With respect to a borrower, a lender may charge, collect, or receive one or more of the following fees for loans subject to the provisions of Subchapter III, Chapter 22, Title 5 of the Delaware Code:

1. Fees for services rendered or reimbursement of expenses - reasonable fees for services rendered or for reimbursement of expenses incurred in good faith by the licensee or its agent in connection with such loan, including without limitation, commitment fees, official fees and taxes, premiums or other charges for any guarantee or insurance protecting the licensee against the borrowers default or other credit loss, or costs incurred by reason of examination of title, inspection, recording and other formal acts necessary or appropriate to the security of the loan, filing fees, attorney's fees, and travel expenses. In the event a borrower defaults under the terms of the loan, the licensee may, if the borrower's account is referred to an attorney (not a regularly salaried employee of the licensee) or to a third party for collection and if the agreement governing, or the bond, note or other evidence of, the loan so provides, charge and collect from the borrower a reasonable attorney's fees. In addition, following a borrower's default, the licensee may, if the agreement governing, or the bond, note or other evidence of, the loan so provides, recover from the borrower all court, alternative dispute resolution or other collection costs (including, without limitation, fees and charges of collection agencies) actually incurred by the licensee;

2. Deferral charges - a deferral charge may be assessed to a borrower in accordance with an agreement to permit the borrower to defer installment payments of a loan;
3. Delinquency charges - if the agreement governing the loan so provides, a late or delinquency charge may be imposed upon any outstanding unpaid installment payment or portions thereof under the loan agreement which are in default; provided, however, that no more than 1 such delinquency charge may be imposed in respect of any single such installment payment or portion thereof regardless of the period during which it remains in default; and provided further that no such delinquency charge may exceed 5% of the amount of any such installment or portion thereof in default;

4. Returned check charge - if the agreement governing the loan so provides, a returned check charge may be assessed to consumers for checks that are returned unpaid provided the amount(s) of such charges are customary and reasonable.

5. Charges incurred in connection with real estate secured transactions - in the case of closed end credit secured by real estate such additional charges as outlined in item (3)(c) of this regulation may also be collected within the limitations stated therein.

Real Estate Secured Transactions
With respect to a borrower, a lender may charge, collect, or receive one or more of the following fees and charges subject to the limitations herein, for loans subject to the provisions of Subchapters II (Revolving Credit) and III (Closed-End Credit), Chapter 22, Title 5 of the Delaware Code when such loans are secured by real estate:

1. Loan origination points - points charged to the borrower on the lender's behalf for any purpose other than to reduce the periodic interest rate applicable to the mortgage loan may not exceed 10% of the principal amount of the loan. Such points may be deducted from the gross proceeds of the loan. For purposes of this regulation "gross proceeds" is the amount financed as defined in Federal Reserve Regulation Z;

2. Loan discount points - points charged to the borrower as a function of rate for the purpose of reducing the periodic interest rate applicable to the mortgage loan. Such points may be deducted from the gross proceeds of the loan;

3. Property appraisal fees - property appraisal fees shall be limited to the amount paid to a third party for such appraisal and shall be limited to those amounts that are customary and reasonable;

4. Credit report fees - credit report fees shall be limited to the actual cost of the report if paid to a third party, not an employee of the lender or affiliate. Such amounts shall be customary and reasonable;

5. Mortgage loan broker compensation fees - mortgage loan broker compensation may be deducted from the gross proceeds of the loan. Such amounts shall reasonably reflect the value of the goods, services and facilities provided;
6. Tax certification and service fees - fees for agreements to provide certification of the current tax status of the property as well as fees for ongoing monitoring and notice to the lender of all tax and improvement lien payments as they become due shall be limited to those amounts actually expended for such purposes. Such amounts shall be customary and reasonable;

7. Flood hazard certification or determination fees - determination fees may be charged for determining whether the property is or will be located in a special flood hazard area. This fee may also include the cost of life-of-loan monitoring. Such amounts shall be customary and reasonable;

8. Title abstract/search/examination and title insurance premiums - title insurance and/or cost of a title certificate search, examination and binder shall be limited to those amounts actually expended for such purposes. Such amounts shall be customary and reasonable and may, at the borrower's discretion, include owner's coverage in addition to lender's coverage;

9. Legal fees - legal fees incurred in securing or closing a loan shall be limited to amounts actually paid to an attorney not in the employ of the lender, its parent, or affiliate, and such charges shall not exceed those which are customary and reasonable;

10. Recording/satisfaction fees - recording/satisfaction fees shall be limited to those actually expended by the lender to any governmental authority for protection of interest in collateral tendered. The State Bank Commissioner may approve the payment of alternative fees for this purpose provided the amount of said fee (payable by the borrower) shall not exceed the amount which would be payable to any governmental authority for protection of interest in collateral tendered;

11. Property survey fees - property survey fees to obtain a drawing that delineates the exact boundaries of a property, including lot lines and placement of improvements on the property, shall be limited to those amounts actually expended for such purposes. Such amounts shall be customary and reasonable;

12. Pest inspection fees - pest inspection fees to cover inspections for terminates or other pest infestation on the property shall be limited to those amounts actually expended for such purposes. Such amounts shall be customary and reasonable;

13. Fees incidental to loan closing - other fees and charges including but not limited to: odd days interest, hazard and mortgage insurance premiums, escrow reserves, lender's inspection fees, mortgage insurance application fees, assumption fees, underwriting fees, document preparation fees, settlement or closing fees, notary fees, funding fees, fees for lead based paint or other inspections and overnight mail fees may be charged and such amounts shall be customary and reasonable;

14. Prepayment penalties - a charge in such amount or amounts as the agreement so provides imposed in connection with the payoff and termination of a revolving credit plan or closed end loan secured by real estate;

15. Notwithstanding the provisions of this item (3)(c) of this regulation, Licensed Lenders who are making mortgage loans pursuant to the rules, regulations, guidelines and/or loan forms established by the State of Delaware or federal governmental or quasi-governmental entity (including, without limitation, the Federal Housing Administration, the Government National Mortgage Association, the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation) shall be permitted to charge and collect any fees, charges or sums prescribed to be charged and collected in connection with a mortgage loan originated pursuant to a lending program conducted or supervised by any such entity.

PATRIOT ACT DISCLOSURE

IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR OR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means to you: when you apply for or open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.