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Excel Mortgage Servicing Inc. dba Knight Financial, NMLS# 128231

Borrowers' Certification and Authorization

CERTIFICATION

The Undersigned certify the following:

Excel Mortgage Servicing Inc. dba Knight Financial

I/We have applied for a mortgage loan through __________________________________. 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.

I/We understand and agree that ___________________________________________reserves the right to

Excel Mortgage Servicing Inc. dba Knight Financial

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.

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

To Whom It May Concern:

I/We have applied for a mortgage loan through ________________________________. As part of

Excel Mortgage Servicing Inc. dba Knight Financial

the application process, _____________________________________ and the mortgage guaranty insurer

(if any), may 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.

I/We authorize you to provide to ________________________________ and to any investor to

Excel Mortgage Servicing Inc. dba Knight Financial

whom ___________________________________ 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.

Excel Mortgage Servicing Inc. dba Knight Financial

____________________________________ or any investor that purchases the mortgage may address

this authorization to any party named in the loan application.

A copy of this authorization may be accepted as an original.

Borrower Signature

Co-Borrower Signature

SSN:

Date:

SSN:

Date:

Calyx Form - borcera.frm (12/05)

Calyx Form Bsa.hp - Borrower Signature Authorization, Borrowers' Certification And Authorization, Form 4506-T - Request For Transcript Of Tax Return Page 2