In order to expedite your loan process, we would like to invite you to communicate with us through email during the processing of your loan. In accordance with the E-SIGN Act, if you would like to participate in this method of communication please follow these instructions and take note of the important information regarding your rights and infonnation for communicating through email.

With the implementation of the Mortgage Disclosure Improvement Act (MDIA) which is effective July 30, 2009 and was a part ofthe Homeownership Economic Recovery Act, special consumer protection requirements were put in place. These new requirements affect disclosure delivery time periods and reflection time periods that are in place to protect you and allow you time to review your disclosures to ensure you would like to move forward with your loan process. Although reflection time frames cannot be waived or decreased, disclosure delivery time frames can be decreased by the use of email.

You must reply to this email or send an email to your mortgage planner to request email correspondence for the processing of your loan. Please include all email addresses of all borrowers. Oral requests cannot be honored; your request must be made through your email account(s) that you will be using for communication with Regency Mortgage Corp. You may also fax your disclosures and fOnTIS to us at 603206-6490. Please copy your mortgage planner on all correspondence. Remember, when communicating through email: do not send any personal non- public information, such as your social security number.

Regency Mortgage Corp does not charge for disclosures and documents sent via email. Emails sent to you by Regency Mortgage Corp that contains your application and disclosures will be sent in a secure manner. You may also request to receive this information, at no cost, in non-electronic or paper form by calling your mortgage planner. You may withdraw your request to communicate via email, at no charge, at any time. Then you will receive only hard-copy paper documents.

Hardware and software requirements: a computer with a current operating system, internet access, & an email service capable of receiving, downloading, and saving documents using the free Adobe Reader (downloaded from Adobe at their website (http://www.adobe.com/prodindex/acrobat/readstep.html). This consent is limited to any and all fonns and documents for processing and closing of your loan application with Regency Mortgage Corp.

If you have any questions about the processing or status of your loan, Please contact your mortgage planner directly. I acknowledge receipt ofthis disclosure and I understand my option and rights to communicate through email.