Four Leaf Properties - Application

Location applying for

Addendum to Credit Application

Thank you for choosing FIRST CHOICE MH LLC to process your credit application for your manufactured home.

Your credit application will be submitted to FIRST CHOICE MH LLC for review and assigned to a licensed Mortgage Loan Originator that handles applications in your state. The Mortgage Loan Originator (or a person under their supervision, as appropriate) may contact you to discuss your application.

The company from whom you may purchase a manufactured home and its sales consultants may assit you with matters associated with the sales transaction -- for example, the type of home to purchase, options, site improvements, sales features that may impact your financing options, etc.

If you have any questions about your credit application, please contact our licensed Mortgage Loan Originator as listed below:

Name: Jessica Clark

Direct Extension: (708) 781-1041

Email: JessicaC@firstchoicemh.com

NMLS#: 1419655

Mortgage Loan Originators at First Choice MH LLC

Jessica ClarkNMLS #1419655

Michael CallaghanNMLS #1244965

Additional information on FIRST CHOICE MH LLC, company, branches, and individual Mortgage Loan Originator licenses can be obtained by visiting www.nmlsconsumeraccess.org.

By checking below, you acknolwedge that you have read and understood the details provided, and also consent to FIRST CHOICE MH LLC sharing its credit decision and other necessary information for the purpose of facilitating your manufactured home purchase. You also acknolwedge that you have personally completed the information on the credit application and that the information is complete and accurate. Please sign below and retain a copy for your records.

Applicant Full Name Date Co-Applicant Full Name Date

This form is a part of the credit application request and must accompany any request or application for credit.

Disclosure of Right to Share Application Information

First Choice MH LLC (“First Choice”) is hereby disclosing its intent to share your Credit Application with (the “Community”) the Sales Agent, for the purpose of approving your application for residency within the location in which you have applied. (the “Community”).

You hereby acknowledge that approval for residency within the Community is a pre-condition to applying for financing of a manufactured home through First Choice. In an effort to improve the efficiency of your application process, you agree that employees or representatives of First Choice and the Sales Agent (as an agent for the “Community”), may share your Credit Application, as well as any other documents exclusively, for purposes required to meet the application requirements of either party, in support of your request for residency and financing of a home.

You hereby agree to the sharing of your Credit Application and related documentation, under the condition that such information sharing is done strictly for the purposes outlined, and otherwise meets all conditions of the Privacy Notice of each company (for which you will receive notice in conjunction with your application).

Applicant Acknowledgement I (We) acknowledge that we have received a copy of the Disclosure of Right to Share Application Information and agree to the terms as specified.

Applicant Full Name Date Co-Applicant Full Name Date

Anti-Steering & Acknowledgement of Compliance First Choice MH LLC

At First Choice, we respect your right to seek financing from any available source, and welcome a fair exchange of pricing and terms with our competitors. We also acknowledge our responsibility to adhere to Federal and State laws with respect to consumer disclosures and the marketing of our financing products for manufactured homes.

By signing below, you acknowledge compliance with the following:

You have been advised of your right to seek ANY source of financing for a home.
No member of the property sales or marketing staff has implied, suggested or inferred that your selection of a financing source should in any way be exclusive.
You understand that you may complete applications with as many lenders as you choose, and seek financing from any sources available to you.
No member of the property sales or marketing staff has indicated that certain terms may be available to you through one source, and not another.
You have been advised that there is NO OBLIGATION to applying for financing with First Choice.

By checking this box I acknowledge full compliance with this policy.

Applicant Full Name Date Co-Applicant Full Name Date

Addendum to First Choice MH Credit Application

COMMUNICATION DISCLOSURE FORM

This credit application will be submitted to First Choice MH LLC (the “Lender”) for review. The Lender’s designated representative (or a person under their supervision, as appropriate) may communicate its status or address other questions you may have about your application or the loan process. The owner of the community and its sales consultants from whom you may purchase a home may assist you with matters associated with the sales transaction – for example, the type of home to purchase, options, site improvements, sales features that may impact your financing options, etc.

During the sales process, if there are questions that may impact the financing of your purchase, your sales consultants may conference or connect you with the appropriate representative(s) of the Lender for your convenience. Following the receipt of your credit application, a representative from the Lender (or a person under their supervision, as appropriate) may contact you to discuss your application. Should you have any questions about this application, please contact the Lender at (877) 346-0009.

Below is the contact information for the Mortgage Loan Originator assigned to your account:

Name: Jessica Clark

Direct Extension: (708) 781-1041

Email: JessicaC@firstchoicemh.com

NMLS#: 1419655

By checking the box below, you acknowledge that you have read and understood the details provided, and also consent to the Lender sharing its credit decision and other necessary personal financial information from this credit application with your retailer/realtor for the purpose of facilitating your sales transaction and other purposes. You also acknowledge that you have personally completed the information on the application and that the information is complete and accurate.

By checking this box, I authorize First Choice MH to send me updates on status of my application to the e-mail address I have provided on the credit application and to the community. If I have not provided an e-mail address, I authorize you to send me updates on the status of my application to the property location via fax or email.

Applicant Full Name Date Co-Applicant Full Name Date

This form is a part of the First Choice MH credit application and must accompany the credit application and must be completed in order for the credit application to be accepted.

Borrower(s)

At First Choice MH LLC we respect the privacy of our customers' personal financial information. We will take all necessary steps to safeguard sensitive information that has been entrusted to us by our customers. The following privacy disclosure outlines our practice regarding personally identifiable financial information for customers, and those consumers who become our customers.

Confidentiality and Security of Nonpublic Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information. If we change our policy, we will notify existing customers.

Nonpublic personal information we collect

We collect nonpublic personal information about you from the following sources:

Information we receive from you
Information we receive from your transactions with us, our affiliates, or others
Information we receive from a consumer-reporting agency
Information we receive as a result of providing a product or service to you

No Disclosures Outside of Exceptions

By law we may disclose certain personally identifiable information in the following circumstances:

To affiliates of the financial institution from which we received the personally identifiable information
To our affiliates
To companies who perform transaction processing for us
To disclose information necessary to enforce the legal or contractual rights of any other person who is engaged in the financial transaction.
To disclose information required in the ordinary course of financing business
To the extent permissible under the right to financial privacy act
To comply with federal, state, local laws
To the companies that perform marketing services on our behalf

Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(IES) should be sent to us at the following address:

First Choice MH LLC

600 W. 22nd Street

Suite 101

Oak Brook, IL 60523

(877) 346-0009

By checking this box I acknowledge full compliance with this policy. Applicant Full Name Date Applicant Full Name Date

Applicant Credit Information:

If this is an INDIVIDUAL application, complete section A. If this is a JOINT application, complete section A & B. NOTE: If married, the spouse is not required to be the joint applicant. Please advise whether credit references and/or credit history should be investigated under another name. It is a crime to intentionally falsify information on this application.

Property will be: Loan Type: Home is being: Street Address where home will be located, including site # City State Zip County If Home Only, Site Placement is: Proposed Down Payment $: Source of Down Payment: If Gift, from whom: If Other, explain:

A minimum of 5% is required. A down payment greater than 5% increases the likelihood of approval and may result in a lower interest rate.

(A) Applicant Last Name: First Name: Middle Name: Birth Date: Social Security: Email Address: Marital Status: Number of Dependents: Ages: Driver's License or State ID Number:

Applicant's Residence Current Street Address: City: State: Zip: County: Mailing address, if different from physical City State Zip County Cell Phone Home Phone

How long at present address?(Value in months. ie 36 months for 3 years) What is your relationship to property: Monthly Mortgage/Rent: Name of Mortgage Holder/Landlord: Mortgage Holder/Landlord Phone Number: If homeowner, what do you intend to do with existing home?:

Name of nearest Relative NOT living with you: Relationship of Relative: Phone # of Relative:

(B) Co-Applicant Last Name: First Name: Middle Name: Birth Date: Social Security: Marital Status: Number of Dependents: Ages: Driver's License or State ID Number:

Co-Applicant's Residence Current Street Address: City: State: Zip: County: Mailing address, if different from physical City State Zip County Cell Phone Home Phone Email

How long at present address? What is your relationship to property: Monthly Mortgage/Rent: Name of Mortgage Holder/Landlord: Mortgage Holder/Landlord Phone Number: Previous address(if current address is less than 3 years): City: State: Zip: How long have you lived there?: Name of Mortgage Holder/Landlord: Name of Mortgage Holder/Landlord Phone: Name of nearest Relative NOT living with you: Relationship of Relative: Phone # of Relative:

Applicant's Employment History (Minimum Three Years) Number of Employers in the last 3 years:

Current Employer

Employer Name: Are you self employed: Position Held/ Occupation: Date started: City: State: Supervisor Name: Supervisor Phone: Supervisor Email:

Gross Monthly Pay (Monthly income earned before deductions): Source of Gross Monthly Pay: Extra Income (Only list overtime if you receive it on a monthly basis.): Source of Extra Income: How are you paid? If hourly, # of hours: Do you receive bonuses? How often? How much in bonuses over the last 12 months? Do you receive commissions? How often? How much in commissions over the last 12 months? Do you consistently receive overtime? How often? How much in overtime over the last 12 months?

Applicant's Asset and Credit Information Bank Name: Account Type: Bank City: Bank State: Bank Balance:

Retirement/401K with: Institution City: Institution State: Account Balance:

Auto #1 (Yr./Make): Lender Value Payment Balance

Auto #2 (Yr./Make): Lender Value Payment Balance

Other Asset: Lender Value Payment Balance

Other Real Estate Owned: Lender Value Payment Balance

Are you a co-maker or guarantor on a note? If yes, for whom? Creditor: Monthly Payment:

Co-Applicant's Employment History (Minimum Three Years) Number of Employers in the last 3 years:

Current Employer

Employer Name: Are you self employed: Position Held/ Occupation: Date started: City: State: Supervisor Name: Supervisor Phone: Supervisor Email: Gross Monthly Pay (Monthly income earned before deductions): Source of Gross Monthly Pay: Extra Income (Overtime, only fill out if you receive overtime on a monthly basis): Source of Extra Income: How are you paid? If hourly, # of hours: Do you receive bonuses? How often? How much in bonuses over the last 12 months? Do you receive commissions? How often? How much in commissions over the last 12 months? Do you consistently receive overtime? How often? How much in overtime over the last 12 months?

Please explain any job gaps greater than 30 days:

Co-Applicant's Asset and Credit Information Bank Name: Account Type: Bank City: Bank State: Bank Balance:

Retirement/401K with: Institution City: Institution State: Account Balance:

Auto #1 (Yr./Make): Lender Value Payment Balance

Auto #2 (Yr./Make): Lender Value Payment Balance

Other Asset: Lender Value Payment Balance

Other Real Estate Owned: Lender Value Payment Balance

Are you a co-maker or guarantor on a note? If yes, for whom? Creditor: Monthly Payment:

Income from SSI, retirement, disability, alimony, child support or separate maintenance agreement need not be disclosed if you do not wish to have it considered as a basis for undertaking or repaying this debt.

Applicant's Other Income

Child Support

Are you receiving child support:

Alimony or Separate Maintenance

Are you receiving Alimony:

Other Sources

Do you have any other income:

Co-Applicant's Other Income

Child Support

Are you receiving child support:

Alimony/Separate Maintenance

Are you receiving Alimony:

Other Sources

Do you have any other income:

(A) Applicant - Debts / Obligations Do you have any Alimony Debt:

Do you have any Garnishment Debt:

Do you have any Child Support Debt:

(B) Co-Applicant - Debts / Obligations Do you have any Alimony Debt:

Do you have any Garnishment Debt:

Do you have any Child Support Debt:

Other Extraordinary Recurring Expenses Do you have extraordinary recurring expenses:

List any Government Assistance Payments to you that help offset household expenses, such as WIC, TANF, or SNAP. You are not required to disclose these amounts if you do not wish to have them considered as a basis in analyzing your ability to undertake or repay this debt.

Name of Assistance: Assistance amount:

Questions

Borrower

Are you a U.S. Citizen?: Are you a permanent resident alien?: Have you declared bankruptcy within last 10 years?: If yes, when did you file?: Have you had any judgments, repossessions, garnishments, or other legal proceedings filed against you in the past 7 years?: Do you have any past due obligations to or insured by any agency of the Federal Government:

Co-Borrower

Demographic Information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, race, and sex) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race." The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, race, and sex on the basis of visual observation or surname. If you do not wish to provide some or all of this information, please check below.

Borrower I decline to furnish this information: Ethnicity: If other, print origin, for example, Argentinea, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, and so on: Race: Print name of enrolled or principal tribe: Print race, for example, Hmong, Laotian, Thai, Pakistani, Cambodian, and so on: Print race, for example, Fijian, Tongan, and so on: Gender:

Additional Disclosures

California:

An applicant, if married, may apply for a separate account. It is illegal to discriminate in the provision of availability of financial assistance for the purpose of the purchase, construction, rehabilitation of any one to four unit family residences occupied by the owner and for the purpose of the house improvement of any one to four unit family residence by considering:

Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice
Race, color, religion, sex, marital status, national origin or ancestry.

It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance. If you have questions about your rights, or if you wish to file a complaint, contact the Lender or the California Department of Corporations at: 320 West 4th St, Ste 750, Los Angeles, CA 90013, or 1390 Market St, Ste 810 San Francisco, CA 94102

New York and Vermont:

In connection with your application for credit, a consumer report may be requested in connection with such application. Upon request, you will be informed whether a consumer report was requested, and if such report was requested, informed of the name and address of the consumer reporting agency that furnished the report. If your application is granted, subsequent consumer reports may be requested or utilized in connection with any updates, renewal or extension of the credit for which application was made or for any other legitimate purpose associated with the account.

Ohio:

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

Wisconsin:

No provision of a marital property agreement, a unilateral statement under Wisc. Stat. 766.59 or a court decree under Wisc. Stat. 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement, or decree of has actual knowledge of the adverse provision when the obligation to the creditor is incurred.

These documents are separate from this application and must be submitted with the application for the lender to process your request.

Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that:

the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of the information contained in the application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provision of Title 18, United States Code, Sec. 1001, et seq.;
the loan requested pursuant to the application (the "Loan") will be secured by a mortgage of deed of trust on the property described herein;
the property will not be used for any illegal or prohibited purpose or use;
all statements made in the application are made for the purpose of obtaining a residential mortgage loan;
the property will be occupied as indicated herein;
any owner or servicer of the Loan may verify or re-verify any information contained in the application from any source named in the application, and Lender, its successors or assigns may retain the original and/or electronic record of the application, even if the Loan in not approved;
the Lenders and its agents, brokers, insurers, servicers, successors, and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in the application if any of the material facts that I have represented herein should change prior to the closing of the Loan;
in the event my payments on the Loan become delinquent, the owner or servicer of the Loan may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer credit reporting agencies;
ownership of the Loan and / or administration of the Loan account may be transferred with such notice as may be required by law;
neither Lender nor its agents, brokers, insurers, servicers, successors, or assigns has made any representation or warranty, expressed or implied, to me regarding the property or the condition or value of the property; and
my transmission of the application as an "electronic record" containing my "electronic signature" as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of the application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of the application were delivered containing my original signature. I give permission to Lender to investigate my credit and employment history and authorize my employer, landlord, depository institution, and credit company to release information about me. I acknowledge that my dealer is neither a broker nor a credit grantor. This application may be considered withdrawn if I do not inquire about its status within 30 days of the date of this notice.

Borrower/Co-Borrower Acceptance of Terms

Borrower By clicking the checkbox, I acknowlege and accept the terms stated for this applications processing: Name Date

Co-Borrower By clicking the checkbox, I acknowlege and accept the terms stated for this applications processing: Name Date

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Location applying for

Name: Jessica Clark

Direct Extension: (708) 781-1041

Email: JessicaC@firstchoicemh.com

NMLS#: 1419655

This form is a part of the credit application request and must accompany any request or application for credit.

COMMUNICATION DISCLOSURE FORM

Below is the contact information for the Mortgage Loan Originator assigned to your account:

Name: Jessica Clark

Direct Extension: (708) 781-1041

Email: JessicaC@firstchoicemh.com

NMLS#: 1419655

This form is a part of the First Choice MH credit application and must accompany the credit application and must be completed in order for the credit application to be accepted.

Borrower(s)

Confidentiality and Security of Nonpublic Personal Information

Nonpublic personal information we collect

No Disclosures Outside of Exceptions

First Choice MH LLC

600 W. 22nd Street

Suite 101

Oak Brook, IL 60523

(877) 346-0009

A minimum of 5% is required. A down payment greater than 5% increases the likelihood of approval and may result in a lower interest rate.

Current Employer

Previous/Next Employer -- 1

Previous/Next Employer -- 2

Current Employer

Previous/Next Employer -- 1

Previous/Next Employer -- 2

Income from SSI, retirement, disability, alimony, child support or separate maintenance agreement need not be disclosed if you do not wish to have it considered as a basis for undertaking or repaying this debt.

Child Support

Alimony or Separate Maintenance

Other Sources

Child Support

Alimony/Separate Maintenance

Other Sources

List any Government Assistance Payments to you that help offset household expenses, such as WIC, TANF, or SNAP. You are not required to disclose these amounts if you do not wish to have them considered as a basis in analyzing your ability to undertake or repay this debt.

Borrower

Co-Borrower

Additional Disclosures

California:

New York and Vermont:

Ohio:

Wisconsin:

These documents are separate from this application and must be submitted with the application for the lender to process your request.

Borrower/Co-Borrower Acceptance of Terms

Duties and Nature of Relationship

How we will be compensated

First Choice MH, LLC

ACKNOWLEDGMENT

By signing below, you acknowledge receipt of a copy of this document and each of the forms in Section A above. You also acknowledge that this document is not a commitment to extend credit.