CREDIT REPORT AUTHORIZATION FORM

Authorization is hereby granted to Smart Mortgage Centers, Inc., to obtain a consumer credit report through a credit reporting agency chosen by Smart Mortgage Centers, Inc.. I understand and agree that Smart Mortgage Centers, Inc. intends to use the consumer credit report for the purposes of evaluating my financial readiness to obtain a loan.

I understand that this credit report will be retained on file at the Smart Mortgage Centers, Inc. office for use only by Smart Mortgage Centers, Inc. staff. This information will not be disclosed to anyone by Smart Mortgage Centers, Inc. without my written consent.

Furthermore, I understand that, should I choose to apply for financing through Smart Mortgage Centers, Inc., a revised credit report costing an additional fee may be required.

My signature below authorizes the release to the credit reporting agency of financial information which I have supplied to Smart Mortgage Centers, Inc. in connection with such an evaluation. Authorization is further granted to the credit reporting agency to use photostatic reproduction of this form if required to obtain any information necessary to complete my consumer credit report.

CHECKING THE BOX BELOW GRANTS PERMISSION FOR THE RELEASE OF FINANCIAL INFORMATION TO THE CREDIT REPORTING AGENCY AND GRANTS PERMISSION FOR Smart Mortgage Centers, Inc. TO OBTAIN A COPY OF YOUR CREDIT REPORT.