Legal Statement

CONSENT FOR ELECTRONIC DISCLOSURES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT

Please read this information carefully and print a copy and/or retain this information electronically for future reference. You are submitting a request for a loan bid, pre-qualification, a loan application, a real estate referral form, through iServe Residential Lending, LLC. (hereinafter, a "Request"). iServe Residential Lending, LLC can only give you the benefits of our service by conducting its business through the Internet. In order to do this, we need you to consent to our giving you certain disclosures electronically. By completing and submitting a Request through iServe Residential Lending, LLC, you acknowledge receipt of this document and consent to the electronic delivery of such Disclosures.

Electronic Communications
Any Disclosures related to your Request will be provided to you electronically through iServe Residential Lending, LLC. However, if you wish to obtain a paper copy of any of the Disclosures, you may write to iServe Residential Lending, LLC, Disclosure Request Dept.,412 Golden Bear Court #213, Murfreesboro, TN 37128 with the details of your request. Paper copies will be provided to you at no charge. Consenting to Do Business Electronically. Before you decide to do business electronically with First American Equity Corp., you should consider whether you have the required hardware and software capabilities described below.

Scope of Consent
Your consent to receive Disclosures and to do business electronically, and our agreement to do so, only applies to this Request. You will receive Disclosures from iServe Residential Lending, LLC, and you may also receive Disclosures and other communications from our participating Lenders or real estate professionals. After your Request is transmitted to one or more of our participating Lenders or real estate professionals, and after you decide to continue to pursue your Request, then you and the Lender or real estate professional should discuss how subsequent Disclosures will be delivered.Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: Internet Explorer 4.0 or above, Netscape Navigator 4.0 or above or equivalent browser and email software; and hardware capable of running this software program.

Withdrawing Consent
Because iServe Residential Lending, LLC will provide the Disclosures to you instantly, you will not be able to withdraw your consent to do business electronically with iServe Residential Lending, LLC. However, you may withdraw your consent to do business electronically with our participating Lenders or real estate professionals at no cost to you. You may do so by contacting the Lender or real estate professional at the mailing address, e-mail address or telephone number they provide with their offer. If you decide to withdraw your consent, the legal validity and enforceability of prior electronic Disclosures will not be affected.

Changes to Your Contact Information
You should keep us informed of any change in your electronic or mailing address. You may contact iServe Residential Lending, LLC by email regarding any such changes. YOUR ABILITY TO ACCESS DISCLOSURES. BY COMPLETING AND SUBMITTING YOUR REQUEST, YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE ELECTRONIC DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.CONSENT. BY COMPLETING AND SUBMITTING YOUR REQUEST, YOU CONSENT TO HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH iServe Residential Lending, LLC ELECTRONICALLY.PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.