ASSETS & LIABILITIES:

CONSENT:

Consents We understand a) My Independent Broker maintains his/her own client information and is not an employee or agent of Real Mortgage Associates, b) Real Mortgage Associates has individuals (including My Independent Broker) acting for it, c) our Real Mortgage Associates File (containing our personal information) will be kept physically at the office of My Independent Broker until a loan/mortgage is funded, after which it is sent a Real Mortgage Associates corporate or licensed office for review and storage, and electronically on Real Mortgage Associates computer systems, d) access to this File is restricted to personnel having a need to deal with the File, and e) we can review and correct personal information in this File or our personal contact information in My Independent Broker's client contact database. Consents My Independent Broker can retain and use our personal contact information for these purposes for seven years after the last loan/mortgage application made on our behalf. Real Mortgage Associates can use our personal information for these purposes and can: • obtain personal information about me/us from consumer reporting agencies, credit bureaus, and real estate appraisers, and (if more than one client) about either of us from the other, • provide our personal information to third parties for these purposes (eg. lenders). Each lender considering our applications from Real Mortgage Associates can: • obtain personal information about me/us from consumer reporting agencies, credit bureaus, and real estate appraisers, and (if more than one client) about either of us from the other, • ensure the accuracy of our personal information by contacting third parties. Our personal information can be retained by Real Mortgage Associates and by these lenders for seven years after: • the last loan/mortgage application made on our behalf, or • the end of the term of the loan/mortgage, whichever is later. Other Terms • Throughout this application, "I", "we", "us" and "our" refer to each applicant and co-applicant consenting below; "you" and "your" refer to Real Mortgage Associates. • We certify that the information provided is true and accurate, that all our debts are current and in good standing, that we have no outstanding judgments, and that we have not declared bankruptcy in the last 6 years. • We acknowledge that you may be receiving a finder's fee from a lender in respect of arranging a mortgage/loan and we hereby waive any right to deny or dispute our receiving said fee. • We acknowledge that the evaluation, inspection and legal expenses incidental to this application will be paid by us. • We will not make any claims against you for any failure to obtain a loan / mortgage commitment, or for any actions or omissions to act by any lender. • In consideration of your acting for us, we agree to the terms and provisions listed in this Privacy Protection and Client Consent.

I AGREE (APPLICANT)     I AGREE (CO-APPLICANT)

Privacy Protections and Client Consent
We are clients of each of:
• Real Mortgage Associates ( "RMA" ), and
• Leslie Ljubicic, "My Independent Broker"
 

For these purposes:

arranging and/or renewing loan(s) / mortgage(s)

considering group creditor insurance for which Real Mortgage Associates or its affiliate is the group policy holder.

considering other products offered or approved by Real Mortgage Associates or its affiliates that may be of interest to me/us.