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                            Applicants' Certification and Authorization (via fax: 239-498-1005)

CERTIFICATION

The Undersigned certify the following:

1. I/We have submitted an application through
 Alberto Baillères, Consultant  (239) 498-6885.
I/We completed an application containing various information on the purpose of the transaction, 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
application or other documents, nor did I/We omit any pertinent
information.

2. I/We understand and agree that
 Alberto Baillères  reserves the right to change the 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.

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 transaction, as applicable under the
provisions of Title 18, United States Code, Section 1014.

AUTHORIZATION TO RELEASE INFORMATION

To Whom It May Concern:

1. I/We have submitted an application through
 Alberto Baillères, Consultant   (239) 498-6885.
As part of the application process,
 Alberto Baillères   and/or its affiliate/investor (if any), may verify
information contained in my/our application and in other documents required in connection with the
application, either before the transaction is closed or as part of its quality control program.

2. I/We authorize you to provide to
 Alberto Baillères   and/or its affiliate/investor, 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.

3.
 Alberto Baillères  and/or its affiliate/investor may address this authorization to any party named in the
application.

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


Applicant Signature:
                                                                                        Date:                                       


Print Name:                                                                                                      SSN:                                        


Co-Applicant Signature:                                                                                   Date:                                       


Print Name:                                                                                                      SSN: