Good Faith Estimate Acceptance Certification

ACKNOWLEDGEMENTS, ACCEPTANCE OF ESTIMATES AND FEE AUTHORIZATION

Acknowledgment of Mortgage Product Selection: I acknowledge that prior to completing a loan application, M&T Bank provided me with information regarding its mortgage loan products as well as the interest rate and costs associated with those products. This information provided was sufficient for me to select a product that I have determined best meets my financing needs.

Discount Point Statement Discount points should lower the interest rate paid on the loan but may not lower the overall cost of the loan. If you refinance or pay off your loan quickly, you will lose the benefit of any lower interest rate provided by the discount points. Furthermore, if you financed the discount points, this will increase the amount of money that you must repay to the lender and you will have to pay interest on the discount points as part of the amount you have borrowed.

Receipt of Disclosures Acknowledgement I acknowledge that I have received a list of approved housing counseling agencies in my area and, where applicable, the CFPB special information booklet, “Your Home Loan Toolkit” and the “Consumer Handbook on Adjustable Rate Mortgages.”

Shopping Period The top of the Loan Estimate or Good Faith Estimate (“Estimate”) provides an expiration date for the estimate of all other closing costs and settlement charges. If you do not either accept the Estimate or continue to work with your M&T Loan Officer on your application by the date referenced above, M&T Bank will deem your application withdrawn.

Estimate Acceptance I have reviewed the Estimate, determined that I accept its terms and would like to proceed, and hereby request that M&T Bank begin processing my loan application.

Fee Authorization I hereby authorize M&T to charge my Visa, MasterCard or checking/savings account for the fees noted below.

Refundability of Fees If we reject your application or you withdraw it, we will refund the appraisal fee if we have not incurred the expense at the time your loan is withdrawn or denied. We will refund any amount by which the appraisal fee you pay us exceeds the cost of the service. If we reject or you withdraw your application, we will not refund the application fee. We will also refund fees if required by applicable law. Refundability provisions for the Lock-in fee can be found in the Addendum to Rate Lock Agreement.

of 2 Loan#: «PNT_1» Form MC 0468/MT4938 Acknowledgements, Acceptance of Estimates and Fee Authorization MT5194 Rev 05/31/16

Borrower: «PNT_101» ______Signature Date Signature Date

______Signature Date Signature Date FEE INFORMATION

Type of Fee Type of Payment

Appraisal fee $ ______Visa MasterCard Note: The only cards accepted are Visa and MasterCard Credit report fee $ ______

Application fee $ ______Automated checking/savings account charge

Lock-in fee $ ______

Total $ ______

Borrower’s name as it appears on the credit card or checking/savings account: ______

Billing Address: ______

Credit Card Transaction

Credit Card Number: ______

Credit Card Expiration Date: ______3 Digit Code______

Checking/Savings Account Transaction

Bank Name Account Number

Bank Routing Number (ABA Number)

Borrower: «PNT_101» Page 2 of 2

Borrower: «PNT_101»