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View/Print Label

Print the label: Select Print from the File menu to print the label below. 1.

Fold the printed label at the dotted line. Place the label in a UPS Shipping Pouch. If you do not have a pouch, affix the folded 2.

label using clear plastic shipping tape over the entire label.

GETTING YOUR SHIPMENT TO UPS 3.

Customers without a Daily Pickup

Take this package to any location of The UPS Store®, UPS Drop Box, UPS Customer Center, UPS Alliances (Office Depot® or ¨

Staples®) or Authorized Shipping Outlet near you or visit www.ups.com/content/us/en/index.jsx and select Drop Off. Air shipments (including Worldwide Express and Expedited) can be picked up or dropped off. To schedule a pickup, or to ¨

find a drop-off location, select the Pickup or Drop-off icon from the UPS tool bar.

Customers with a Daily Pickup

Your driver will pickup your shipment(s) as usual. ¨

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American Land Title Association ALTA Settlement Statement - Borrower/Buyer Adopted 05-01-2015

Property Address: 8231 State Route 30 Dittmer, MO 63023 8231 State Route 30

Dittmer, MO 63023

Borrower: Kimberly Ann Reich

8231 State Route 30 Dittmer, MO 63023

Seller: The Estate of Nancy Ann Diamond 4814 Towne South Rd

St Louis, MO 63128

Lender: Quicken Loans LLC ISAOA, 1050 Woodward Ave, Detroit, MI, 48226

Loan Number: 3473658209

Settlement Date: 06/01/2021

Disbursement Date: 06/01/2021

Additional dates per state requirements:

Description Borrower/Buyer

Debit Credit

Financial

Sale Price of Property $305,000.00

Deposit $2,000.00

Loan Amount $289,750.00

Prorations/Adjustments

Seller Paid Closing Costs $4,895.01

County Property Taxes from 01/01/2021 thru 06/01/2021 $794.57

Loan Charges to Quicken Loans LLC ISAOA

Prepaid Interest $25.15 per day from 06/02/2021 to 06/01/2021) -$25.15

Other Loan Charges

Appraisal Fee to Amrock Inc $540.00

Credit Monitoring Service to FACTUAL DATA $4.50

Credit Report to CREDCO $38.00

Flood Determination Fee to CORELOGIC FLOOD SERVICES $9.00

Flood Life of Loan Coverage to CORELOGIC FLOOD SERVICES $5.50

Life of Loan Tax Service to CoreLogic RE Tax Service $50.00

Tax Certification Fee to Amrock Inc $25.00

Copyright 2015 American Land Title Association. File # 21-2514

All rights reserved. Page 1 of 3 Printed on: 05/27/21 9:38 AM

Settlement Location:

Chesterfield Title Agency, LLC 14430 Clayton Road

St. Louis, MO 63011

File No./Escrow No.: 21-2514 Chesterfield Title Agency, LLC

ALTA Universal ID: 1117898

14430 Clayton Road St. Louis, MO 63011

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Description Borrower/Buyer

Debit Credit

Impounds

Homeowner's Insurance $141.64 per month for 2 mo. $283.28

Property Taxes $157.86 per month for 8 mo. $1,262.88

Aggregate Adjustment -$849.84

Title Charges & Escrow / Settlement Charges

Title - Closing Fee to Chesterfield Title Agency, LLC $250.00

Title - CPL Fee to Old Republic National Title Insurance Company $25.00

Title - ERecording Fee to Recorder Of Deeds--EPN $8.00

Title - Title Service Fee to Chesterfield Title Agency, LLC $1,070.00

Title - Lender's Title Insurance($183.09) to Chesterfield Title Agency, LLC $3.00

Title - Signing Service Fee to Signing Carolina, Inc $200.00

Title - Owner's Title Insurance($11.06) to Chesterfield Title Agency, LLC $191.15

Government Recording and Transfer Charges

Recording Fee (Deed) to Recorder Of Deeds--EPN $30.00

Recording Fee (Mortgage) to Recorder Of Deeds--EPN $75.00

Miscellaneous

Homeowner's Insurance Premium to USAA $1,699.69

Borrower/Buyer

Debit Credit

Subtotals $309,895.01 $297,439.58

Due From Borrower $12,455.43

Totals $309,895.01 $309,895.01

Copyright 2015 American Land Title Association. File # 21-2514

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Acknowledgement

We/I have carefully reviewed the ALTA Settlement Statement and find it to be a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction and further certify that I have received a copy of the ALTA Settlement Statement. We/I authorize Chesterfield Title Agency, LLC to cause the funds to be disbursed in accordance with this statement.

_________________________________________________ Jackie Meziere

____________

Date

Copyright 2015 American Land Title Association. File # 21-2514

All rights reserved. Page 3 of 3 Printed on: 05/27/21 9:38 AM

Kimberly Ann Reich Date

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Escrow File No.: 21-2514

EXHIBIT "A"

Part of Lot 1 of the Northeast 1/4 of Section 5, Township 41 North, Range 3 East, Jefferson

County, Missouri, described as follows: Beginning at the Southwest comer of a 1.63 acre

tract of land as described in a deed conveyed to William A. Sahnnann and Joyce A

Sahnnann, his wife, dated March 30, 1983, recorded in book 744 at page 305 of the

Jefferson County Land Records and running thence with the boundary lines thereof, East

210.00 feet to the Western right of way line of State Highway No. 30; thence with said right

of way line, North 14°18' East 290.04 feet to the most Eastern comer of said 1.63 acre tract;

thence continuing with said right of way line, North 14°18' East 284.00 feet; thence

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Statement of Buyer’

s Mailing Address/Contact Information

File No: 21-2514

Buyer: Kimberly Ann Reich

Seller: The Estate of Nancy Ann Diamond

Address: 8231 State Route 30 Dittmer, MO 63023

The Undersigned has been requested to be provided information to complete blanks contained on certain forms in connection with the above property. This request is for clerical function within Chesterfield Title Agency, LLC transaction.

The Undersigned instructs Chesterfield Title Agency, LLC to use the following information

Name(s):______________________________________________________________________

Mailing Address: _______________________________________________________________

Email Authorization

I/We authorize Chesterfield Title to send electronic copies of any and all documents that are now available or that may be available in the future that relate to the closing on the above referenced property to me/us via email at the e-mail address provided below. Chesterfield Title is authorized to communicate with us via e-mail now and in the future using the email address I/we have provided. I/we acknowledge that Chesterfield Title will keep and maintain the email address provided as part of the closing file and in Chesterfield Title's database. Information provided, including any email addresses are subject to Chesterfield Title's privacy policy. Should your email address change, or you no longer wish to receive communication via email, you must notify Chesterfield Title in writing of the change. By signing below, you acknowledge and agree that Chesterfield Title shall have no liability for any email that is forwarded to you if the email did not originate from within Chesterfield Title. I/we acknowledge that it is the responsibility of the email recipient to ensure that any email and/or attachment is virus and/or defect free.

Chesterfield Title is not responsible for any loss, cost and/or damage that may arise if Chesterfield Title emails information and/or documentation to you at the address provided, which shall specifically apply to information and/or documentation sent by Chesterfield Title to any email account that has been hacked and/or compromised through no fault of Chesterfield title.

Email Address___________________________________________

Email Address___________________________________________

_________________________ ___________________

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NOTICE OF AVAILABILITY OF OWNER'S TITLE INSURANCE

Issued By:

Old Republic National Title Insurance Company 400 Second Avenue South, Minneapolis, Minnesota 55401

Chesterfield Title Agency, LLC 14430 Clayton Road St. Louis, MO 63011 File Number: 21-2514

Buyer(s): Kimberly Ann Reich

Address: 8231 State Route 30 Dittmer, MO 63023

You are hereby notified that a lender's title insurance policy is being issued to protect the lender's interest in the property being purchased. Generally, a title insurance policy protects against loss due to certain defects in the title to your property. A lender's title insurance policy only protects the interests of the lender and does not provide any protection to you as the owner of the property being purchased/refinanced. An owner's title insurance policy may be purchased to protect against potential risks that may arise as a result of certain title defects. Such Potential risks may include, but are not limited to:

* Fraud/False Impersonation

* Forgery of documents including deeds or wills

* Liens for unpaid debts, including, unpaid state or federal tax * Mistakes in recording title documents

* Missing or undisclosed heirs/claimants

* Invalid deeds (i.e.- deeds executed by minors or persons of unsound mind)

Subject to approval, you may purchase an owner's title insurance policy form Chesterfield Title Agency in the amount of $305,000.00 at an (approximate/actual) cost of $191.15. If you are uncertain as to whether you should obtain an Owner's title insurance policy, you may seek independent advice.

___X___We the undersigned do wish to obtain an Owner's Title Insurance Policy

_______We the undersigned do not wish to obtain an Owner's Title Insurance Policy from Chesterfield Title Agency. l/We hereby agree to hold, Chesterfield Title Agency, and its underwriters, harmless from any future claims or acts caused by not purchasing an Owners Title Insurance Policy at this time.

_________________________ ___________________

Kimberly Ann Reich Date

Subscribed an sworn to before me this______day of _____________, 20____.

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14430 Clayton Road

St. Louis, MO 63011

Phone: 636-256-5777 Fax: 636-256-5778

Affidavit of Liens/Judgments

File Number: 21-2514

Property Address: 8231 State Route 30 Dittmer, MO 63023

State of Missouri

)

County of

)

The Affiant(s) am/are purchasing the property located at 8231 State Route 30 Dittmer, MO 63023, and

hereby swear or affirm that there are no outstanding Lien / Judgment (s) filed against me/us:

Liens/Judgments:

________________________________________________________________________________

________________________________________________________________________________

Affiant(s) hereby state that my Social Security Number is as shown below

This affidavit is made for the purpose of inducing CHESTERFIELD TITLE AGENCY, LLC , to issue

their title policies.

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Affiant(s) hereby state that my Social Security Number is

______________________________

_________________________________

_________________________

___________________

Kimberly Ann Reich

Date

SWORN TO AND SUBSCRIBED TO before me, a Notary Public, this ___ day of ________________,

________________________________

Notary Public

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TAX PRORATION ACKNOWLEDGMENT

Date: 06/01/21

File Number: 21-2514

Buyer: Kimberly Ann Reich

Seller: The Estate of Nancy Ann Diamond

Property Address: 8231 State Route 30 Dittmer, MO 63023

The parties to this transaction acknowledge herewith, that they understand that the amount of real

property taxes on subject property are based on the tax year. The parties agree to the use of the

year real property tax amount for the purposes of proration in the closing of this transaction, to

hold harmless for any loss which any party may suffer because of use of such prior year tax

amount in calculating the tax prorations appearing on the closing statement, and all agree to

indemnity harmless for any loss which may arise therefrom.

_________________________

___________________

Kimberly Ann Reich

Date

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PRIVACY FORM Revised August 28, 2001

Old Republic National Title Insurance Company and/or Chesterfield Title Agency, LLC Privacy Policy Notice

PURPOSE OF THIS NOTICE

Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a nonaffiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of Old

Republic National Title Insurance Company and Chesterfield Title Agency, LLC.

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

Information we receive from you such as on applications or other forms.

Information about your transactions we secure from our files, or from (our affiliates or) others. Information we receive from a consumer reporting agency.

Information that we receive from others involved in your transaction, such as the real estate agent or lender.

Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional nonpublic personal information will be collected about you.

We may disclose any of the above information that we collect about our customers or former customers to our affiliates or to nonaffiliated third parties as permitted by law.

We also may disclose this information about our customers or former customers to the following types of nonaffiliated companies that perform marketing services on our behalf or with whom we have joint marketing agreements:

Financial service providers such as companies engaged in banking, consumer finance, securities and insurance.

Non-financial companies such as envelope stuffers and other fulfillment service providers.

WE DO NOT DISCLOSE ANY NONPUBLIC PERSONAL INFORMATION ABOUT YOU WITH ANYONE FOR ANY PURPOSE THAT IS NOT SPECIFICALLY PERMITTED BY LAW.

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

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Rev. 06/2020 rev. 06rere/2020

FACTS

WHAT DOES OLD REPUBLIC TITLE

DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Old Republic Title chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Old Republic

Title share?

Can you limit

this sharing?

For our everyday business purposes — such as to process your transactions, maintain your account(s), or respond to court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes —

to offer our products and services to you No We don’t share

For joint marketing with other financial companies No We don’t share For our affiliates’ everyday business purposes —

information about your transactions and experiences Yes No

For our affiliates’ everyday business purposes —

information about your creditworthiness No We don’t share

For our affiliates to market to you No We don’t share

For non-affiliates to market to you No We don’t share

Go to www.oldrepublictitle.com (Contact Us)

Checking account information and wire transfer instructionsSocial Security number and employment information

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Page 2

Who we are

Who is providing this notice? Companies with an Old Republic Title name and other affiliates. Please see below for a list of affiliates.

What we do

How does Old Republic Title protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. For more

information, visit

http://www.OldRepublicTitle.com/newnational/Contact/privacy. How does Old Republic

Title collect my personal information?

We collect your personal information, for example, when you:

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all

sharing? Federal law gives you the right to limit only:

State laws and individual companies may give you additional rights to limit sharing. See the State Privacy Rights section location at https://www.oldrepublictitle.com/privacy-policy for your rights under state law.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

Non-affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.

Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Sharing for non-affiliates to market to you

Show your government-issued ID or provide your mortgage information

Make a wire transfer

Our affiliates include companies with an Old Republic Title name,

and financial companies such as Attorneys’ Title Fund Services,

LLC, Lex Terrae National Title Services, Inc., Mississippi Valley Title Services Company, and The Title Company of North Carolina.

Give us your contact information or show your driver’s license

Old Republic Title does not share with non-affiliates so they can

market to you

Sharing for affiliates’ everyday business purposes - information about your creditworthiness

Old Republic Title doesn’t jointly market.

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Page 3

Affiliates Who May be Delivering This Notice

American First Title &

Trust Company American GuarantyTitle Insurance Company

Attorneys' Title Fund

Services, LLC Compass Abstract,Inc. eRecordingPartners Network, LLC

Genesis Abstract,

LLC Guardian ConsumerServices, Inc. iMarc, Inc Kansas CityManagement Group, LLC

L.T. Service Corp.

Lenders Inspection

Company Lex Terrae NationalTitle Services, Inc. Lex Terrae, Ltd. Mississippi ValleyTitle Services Company

National Title Agent's Services Company Old Republic Branch

Information Services, Inc.

Old Republic Diversified Services, Inc.

Old Republic Escrow

of Vancouver, Inc. Old ExchangeCompany Old RepublicNational Ancillary Services, Inc. Old Republic National

Commercial Title Services, Inc.

Old Republic Title and Escrow of Hawaii, Ltd.

Old Republic National Title Insurance Company

Old Republic Title

Company Old Republic TitleCompanies Old Republic Title

Company of Conroe Old Republic TitleCompany of Indiana Old Republic TitleCompany of Nevada Old Republic TitleCompany of Oklahoma

Old Republic Title Company of Oregon Old Republic Title

Company of St. Louis Old Republic TitleCompany of Tennessee

Old Republic Title

Information Concepts Old Republic TitleInsurance Agency, Inc.

Old Republic Title, Ltd.

RamQuest Software,

Inc Republic Abstract &Settlement , LLC Sentry AbstractCompany Surety TitleAgency, Inc. The Title Companyof North Carolina Trident Land Transfer

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Title Insurance Premium and Title Service Charge

Disclosure Statement

FILE NO: 21-2514

Buyer: Kimberly Ann Reich

ADDRESS: 8231 State Route 30 Dittmer, MO 63023

Based upon the information available to us at this time, we estimate that you will pay as part of

your residential real estate transaction the following premiums, charges and/or fees:

Title Insurance Premium:

$____________

1)

Closing Protection Fee:

$ 25.00

2)

Title Service Charge(s)

$____________

3)

(search/exam, clearing items etc)

Closing Charges

$____________

4)

Title insurance premium and a closing protection fee have been calculated according to the rates

filed with Missouri’

s insurance director. However, title services, closing charges and other fees

are not limited by state law.

For further general information regarding title insurance, you may visit the Missouri Insurance

website at

www.insurance.mo.gov

or call the Missouri Department of Insurance, Financial

Institutions and Professional Registration at (800)726-7390

_________________

__________________________________

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Gap Indemnity Letter

The undersigned represent that there are no matters pending that could give rise to a lien that would attach to the Land between the date hereof and the recording of the interest to be insured (including during a period that the recording jurisdiction may not be open and available for recording) and that the affiant(s) have not and will not execute any instruments that would adversely affect the interest to be insured.

That in consideration of the Old Republic National Title Insurance Company issuing its policy or policies without making exception therein of matters which may arise between the most recent effective date of the title commitment (the last date upon which the search of title is effective) and the date the documents creating the interest being insured have been filed for record and which matters may constitute an encumbrance on or affect said title, the undersigned agrees to promptly defend, remove, bond or otherwise dispose of any encumbrance, lien or objectionable matter to title (collectively, “objection(s) to title”) which may arise or be filed, as the case may be, against the captioned premises during the period of time between the most recent effective date of the title commitment and date of recording of all closing instruments, and to hold harmless and indemnify the Company against all expenses, cost and reasonable attorneys’ fees which may arise out of its failure to so remove, bond or otherwise dispose of any said objection(s) to title.

__________________________________ _________________________________

Signature Signature

__________________________________ _________________________________

Buyer Printed Name Buyer Printed Name

Executed, subscribed and sworn to me this _______________day of ________________, 20__. ______________________________ My Commission Expires: Notary Public __________________________________ __________________________________ Signature Signature ____________________________ _____________________________

Seller Printed Name Seller Printed Name

Executed, subscribed and sworn to me this _______________day of ________________, 20__. _____________________________

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ATTENTION NOTARY!

Please return the signed closing package to the title/closing agent’s

office you were contacted by to complete the signing. The following

UPS label is for the use of the title/closing agent to return documents

to Quicken Loans. Please DO NOT use this label to return directly to

Quicken Loans.

If you have any questions regarding this please contact the Closing

Hotline toll free at (888) 589-4055. Monday through Friday 9am to

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1.

Fold the printed label at the dotted line. Place the label in a UPS Shipping Pouch. If you do not have a pouch, affix

the folded label using clear plastic shipping tape over the entire label.

2.GETTING YOUR SHIPMENT TO UPS

Customers without a Daily Pickup

Take this package to any location of The UPS Store?, UPS Drop Box, UPS Customer Center, UPS Alliances (Office

Depot? or Staples?) or Authorized Shipping Outlet near you or visit

www.ups.com/content/us/en/index.jsx

and select

Drop Off.

Air shipments (including Worldwide Express and Expedited) can be picked up or dropped off. To schedule a pickup,

or to find a drop-off location, select the Pickup or Drop-off icon from the UPS tool bar.

Customers with a Daily Pickup

Your driver will pickup your shipment(s) as usual.

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To be completed by the Lender:

Lender Loan No./Universal Loan Identifier3473658209 Agency Case No.

Uniform Residential Loan Application

Verify and complete the information on this application. If you are applying for this loan with others, each additional Borrower must provide information as directed by your Lender.

Section 1: Borrower Information.

This section asks about your personal information and your income from employment and other sources, such as retirement, that you want considered to qualify for this loan.

1a. Personal Information

Name (First, Middle, Last, Suffix)

Kimberly Ann Reich

Alternate Names - List any names by which you are known or any names

under which credit was previously received (First, Middle, Last, Suffix)

Social Security Number 594-58-0304 (or Individual Taxpayer Identification Number)

Date of Birth

(mm/dd/yyyy) 01/26/1981

Citizenship U.S. Citizen

Permanent Resident Alien Non-Permanent Resident Alien Type of Credit

I am applying for individual credit.

I am applying for joint credit. Total Number of Borrowers:

Each Borrower intends to apply for joint credit. Your initials:

List Name(s) of Other Borrower(s) Applying for this Loan

(First, Middle, Last, Suffix) - Use a separator between names

Marital Status Married Separated Unmarried

Dependents (not listed by another Borrower) Number 0

Ages

(Single, Divorced, Widowed, Civil Union, Domestic Partnership, Registered Reciprocal Beneficiary Relationship)

Contact Information

Home Phone (440) 309-0046

Cell Phone (440) 309-0046

Work Phone (440) 309-0046 Ext. Email kreich@coastiemail.com

Current Address

Street 1012 Redwood Ct Unit #

City Monte Rio State CA ZIP 95462-9713 Country USA

How Long at Current Address? 2 Years 12 Months Housing No primary housing expense Own Rent ($ 2,700.00 /month) If at Current Address for LESS than 2 years, list Former Address Does not apply

Mailing Address - if different from Current Address Does not apply

1b. Current Employment/Self-Employment and Income Does not apply

Employer or Business Name US COAST GUARD Phone (888) 332-7411

Street 25 Wentworth rd Unit #

City Deerfield State NH ZIP 03037 Country Position or Title Coast Guard Active Duty

Start Date 05/04/2004 (mm/dd/yyyy)

How long in this line of work? 16 Years 10 Months

Check if this statement applies: I am employed by a family member, property seller, real estate agent, or other party to the transaction.

Check if you are the Business

Owner or Self-Employed I have an ownership share of less than 25%. I have an ownership share of 25% or more.

Monthly Income (or Loss) $

Gross Monthly Income

Base $ 4,236.90 /month Overtime $ /month Bonus $ /month Commission $ /month Military Entitlements $ 4,296.88 /month Other $ /month TOTAL $ 8,533.78 /month

1c. IF APPLICABLE, Complete Information for Additional Employment/Self-Employment and Income Does not apply

1d. IF APPLICABLE, Complete Information for Previous Employment/Self-Employment and Income Does not apply

Provide at least 2 years of current and previous employment and income. Borrower Name: Kimberly Ann Reich

Uniform Residential Loan Application Freddie Mac Form 65 • Fannie Mae Form 1003 Effective 1/2021

Page 1 of 10

Q103473658209002030001031e594344-95c8-49d6-aea4-b03876dc627b0110

Quicken Loans, LLC (NMLS #: 3030) | Quicken Loans, LLC (NMLS #: 3030) | Anna Zych (License #: 20201-MLO, NMLS #: 1409009) 20667.193

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3473658209

1e. Income from Other Sources Does not apply

Include income from other sources below. Under Income Source, choose from the sources listed here:AlimonyAutomobile AllowanceBoarder Income •Capital Gains •Child SupportDisabilityFoster Care •Housing or Parsonage

Interest and DividendsMortgage Credit CertificateMortgage Differential

Payments

Notes ReceivablePublic AssistanceRetirement

(e.g., Pension, IRA)

Royalty PaymentsSeparate MaintenanceSocial Security •Trust •Unemployment Benefits •VA CompensationOther

NOTE: Reveal alimony, child support, separate maintenance, or other income ONLY IF you want it considered in determining your qualification for this loan.

Section 2: Financial Information - Assets and Liabilities.

This section asks about things you own that are worth money and that you want considered to qualify for this loan. It then asks about your liabilities (or debts) that you pay each month, such as credit cards, alimony, or other expenses.

2a. Assets - Bank Accounts, Retirement, and Other Accounts You Have

Include all accounts below. Under Account Type, choose from the types listed here: •Checking •SavingsMoney Market •Certificate of Deposit •Mutual FundStocks •Stock Options •Bonds

Retirement (e.g., 401k, IRA)

•Bridge Loan Proceeds •Individual Development

Account

•Trust Account

Cash Value of Life Insurance (used for the transaction)

Account Type - use list above Financial Institution Account Number Cash or Market Value

Checking Navy Federal Credit Union 4701 $ 6,778.59

Money Market Navy Federal Credit Union 7867 $ 20,157.30

Savings Navy Federal Credit Union 2005 $ 3,555.62

Money Market Navy Federal Credit Union 7708 $ 3,642.36

Checking Navy Federal Credit Union 4719 $ 22,757.63

Provide TOTAL Amount Here $ 56,891.50

2b. Other Assets and Credits You Have Does not apply

Include all other assets and credits below. Under Asset or Credit Type, choose from the types listed here:

Assets

•Proceeds from Real Estate Property to be sold on or before closing

•Proceeds from Sale of Non-Real Estate Asset •Secured Borrowed Funds

•Unsecured Borrowed Funds •Other Credits •Earnest Money •Employer Assistance •Lot Equity •Relocation Funds •Rent Credit •Sweat Equity •Trade Equity

Asset or Credit Type - use list above Cash or Market Value

Earnest Money $ 2,000.00

Provide TOTAL Amount Here $ 2,000.00

2c. Liabilities - Credit Cards, Other Debts, and Leases that You Owe Does not apply

List all liabilities below (except real estate) and include deferred payments. Under Account Type, choose from the types listed here:

Revolving (e.g., credit cards)Installment (e.g., car, student, personal loans)Open 30-Day (balance paid monthly)Lease (not real estate)Other Account Type

-use list above Company Name Account Number Unpaid Balance To be paid off ator before closing Monthly Payment Installment NAVY FEDERAL CR

UNION

XXXXXXXXXX7968 $ 26,970.00 $ 369.00

Installment NAVY FEDERAL CR UNION

XXXXXXXXXX4625 $ 8,031.00 $ 264.00

Revolving NAVY FEDERAL CR UNION

542217XXXXXX9992 $ 7,381.00 $ 187.00 Installment NAVY FEDERAL CR

UNION

XXXXXXXXXX4328 $ 5,945.00 $ 214.00

Revolving SYNCB/OLD NAVY 601859640849 $ 235.00 $ 29.00

Borrower Name: Kimberly Ann Reich

Uniform Residential Loan Application Freddie Mac Form 65 • Fannie Mae Form 1003 Effective 1/2021

Page 2 of 10

Q103473658209002030001031e594344-95c8-49d6-aea4-b03876dc627b0210

Quicken Loans, LLC (NMLS #: 3030) | Quicken Loans, LLC (NMLS #: 3030) | Anna Zych (License #: 20201-MLO, NMLS #: 1409009) 20667.193

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3473658209

Revolving CAPITAL ONE BANK USA N

517805828161 $ 30.00 $ 30.00

Revolving CAPITAL ONE BANK USA N

517805820694 $ 5.00 $ 5.00

2d. Other Liabilities and Expenses Does not apply

Include all other liabilities and expenses below. Choose from the types listed here:

AlimonyChild SupportSeparate MaintenanceJob Related ExpensesOther

Section 3: Financial Information - Real Estate.

This section asks you to list all properties you currently own and what you owe on

them.

I do not own any real estate

3a. Property You Own If you are refinancing, list the property you are refinancing FIRST.

Section 4: Loan and Property Information.

This section asks about the loan's purpose and the property you want to purchase or

refinance.

4a. Loan and Property Information

Loan Amount $289,750.00 Loan Purpose Purchase Refinance Other (specify)

Property Address Street 8231 State Route 30 Unit #

City Dittmer State MO ZIP 63023-1901 County Jefferson

Number of Units1 Property Value $ 313,000.00

Occupancy Primary Residence Second Home Investment Property FHA Secondary Residence 1. Mixed-Use Property. If you will occupy the property, will you set aside space within the property to operate your own business?

(e.g., daycare facility, medical office, beauty/barber shop) NO YES

2. Manufactured Home. Is the property a manufactured home? (e.g., a factory built dwelling built on a permanent chassis) NO YES

4b. Other New Mortgage Loans on the Property You are Buying or Refinancing Does not apply

4c. Rental Income on the Property You Want to Purchase For Purchase Only Does not apply

4d. Gifts or Grants You Have Been Given or Will Receive for this Loan Does not apply

Include all gifts and grants below. Under Source, choose from the sources listed here:Community NonprofitEmployerFederal AgencyLocal AgencyRelativeReligious NonprofitState AgencyUnmarried PartnerLenderOther

Borrower Name: Kimberly Ann Reich

Uniform Residential Loan Application Freddie Mac Form 65 • Fannie Mae Form 1003 Effective 1/2021

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Section 5: Declarations.

This section asks you specific questions about the property, your funding, and your past financial history.

5a. About this Property and Your Money for this Loan

A. Will you occupy the property as your primary residence? NO YES

If YES, have you had an ownership interest in another property in the last three years? NO YES If YES, complete (1) and (2) below:

(1) What type of property did you own: primary residence (PR), FHA secondary residence (SR), second home (SH), or investment property (IP)?

(2) How did you hold title to the property: by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?

B. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property? NO YES C. Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining

any money from another party, such as the seller or realtor, that you have not disclosed on this loan application? NO YES

If YES, what is the amount of this money? $

D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before

closing this transaction that is not disclosed on this loan application? NO YES

2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that

is not disclosed on this application? NO YES

E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through

your property taxes (e.g., the Property Assessed Clean Energy Program)? NO YES

5b. About Your Finances

F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? NO YES

G. Are there any outstanding judgments against you? NO YES

H. Are you currently delinquent or in default on a Federal debt? NO YES

I. Are you a party to a lawsuit in which you potentially have any personal financial liability? NO YES J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years? NO YES K. Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party

and the Lender agreed to accept less than the outstanding mortgage balance due? NO YES

L. Have you had property foreclosed upon in the last 7 years? NO YES

M. Have you declared bankruptcy within the past 7 years?

If YES, identify the type(s) of bankruptcy: Chapter 7 Chapter 11 Chapter 12 Chapter 13 NO YES

Borrower Name: Kimberly Ann Reich

Uniform Residential Loan Application Freddie Mac Form 65 • Fannie Mae Form 1003 Effective 1/2021

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Section 6: Acknowledgments and Agreements.

This section tells you about your legal obligations when you sign this application.

Acknowledgments and Agreements

Definitions:

•"Lender" includes the Lender's agents, service providers, and any of their successors and assigns.

•"Other Loan Participants" includes (i) any actual or potential owners of a loan resulting from this application (the "Loan"), (ii) acquirers of any beneficial or other interest in the Loan, (iii) any mortgage insurer, (iv) any guarantor, (v) any servicer of the Loan, and (vi) any of these parties' service providers, successors or assigns.

I agree to, acknowledge, and represent the following: (1) The Complete Information for this Application

•The information I have provided in this application is true, accurate, and complete as of the date I signed this application.

•If the information I submitted changes or I have new information before closing of the Loan, I must change and supplement this application, including providing any updated/supplemented real estate sales contract. •For purchase transactions: The terms and conditions of any real estate

sales contract signed by me in connection with this application are true, accurate, and complete to the best of my knowledge and belief. I have not entered into any other agreement, written or oral, in connection with this real estate transaction.

•The Lender and Other Loan Participants may rely on the information contained in the application before and after closing of the Loan. •Any intentional or negligent misrepresentation of information may result

in the imposition of:

(a) civil liability on me, including monetary damages, if a person suffers any loss because the person relied on any misrepresentation that I have made on this application, and/or

(b) criminal penalties on me including, but not limited to, fine or imprisonment or both under the provisions of Federal law (18 U.S.C. §§ 1001 et seq.).

(2) The Property's Security

The Loan I have applied for in this application will be secured by a mortgage or deed of trust which provides the Lender a security interest in the property described in this application.

(3) The Property's Appraisal, Value, and Condition

•Any appraisal or value of the property obtained by the Lender is for use by the Lender and Other Loan Participants.

•The Lender and Other Loan Participants have not made any representation or warranty, express or implied, to me about the property, its condition, or its value.

(4) Electronic Records and Signatures

•The Lender and Other Loan Participants may keep any paper record and/or electronic record of this application, whether or not the Loan is approved.

•If this application is created as (or converted into) an "electronic application", I consent to the use of "electronic records" and "electronic signatures" as the terms are defined in and governed by applicable Federal and/or state electronic transactions laws.

•I intend to sign and have signed this application either using my: (a) electronic signature; or

(b) a written signature and agree that if a paper version of this

application is converted into an electronic application, the application will be an electronic record, and the representation of my written signature on this application will be my binding electronic signature. •I agree that the application, if delivered or transmitted to the Lender or

Other Loan Participants as an electronic record with my electronic signature, will be as effective and enforceable as a paper application signed by me in writing.

(5) Delinquency

•The Lender and Other Loan Participants may report information about my account to credit bureaus. Late payments, missed payments, or other defaults on my account may be reflected in my credit report and will likely affect my credit score.

•If I have trouble making my payments I understand that I may contact a HUD-approved housing counseling organization for advice about actions I can take to meet my mortgage obligations.

(6) Authorization for Use and Sharing of Information

By signing below, in addition to the representations and agreements made above, I expressly authorize the Lender and Other Loan Participants to obtain, use, and share with each other (i) the loan application and related loan information and documentation, (ii) a consumer credit report on me, and (iii) my tax return information, as necessary to perform the actions listed below, for so long as they have an interest in my loan or its servicing: (a) process and underwrite my loan;

(b) verify any data contained in my consumer credit report, my loan application and other information supporting my loan application; (c) inform credit and investment decisions by the Lender and Other Loan

Participants;

(d) perform audit, quality control, and legal compliance analysis and reviews;

(e) perform analysis and modeling for risk assessments;

(f) monitor the account for this loan for potential delinquencies and determine any assistance that may be available to me; and (g) other actions permissible under applicable law.

Borrower Signature Date (mm/dd/yyyy)

Borrower Name: Kimberly Ann Reich

Uniform Residential Loan Application Freddie Mac Form 65 • Fannie Mae Form 1003 Effective 1/2021

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Section 7: Military Service.

This section asks questions about your (or your deceased spouse's) military service.

Military Service of Borrower

Military Service - Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces? NO YES

If YES, check all that apply: Currently serving on active duty with projected expiration date of service/tour (mm/dd/yyyy)

Currently retired, discharged, or separated from service

Only period of service was as a non-activated member of the Reserve or National Guard Surviving spouse

Section 8: Demographic Information.

This section asks about your ethnicity, sex, and race.

Demographic Information of Borrower

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, sex, and race) 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, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.

Ethnicity: Check one or more Hispanic or Latino

Mexican Puerto Rican Cuban

Other Hispanic or Latino - Print origin:

For example: Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, and so on.

Not Hispanic or Latino

I do not wish to provide this information Sex

Female Male

I do not wish to provide this information

Race: Check one or more

American Indian or Alaska Native - Print name of enrolled or principal tribe: Asian

Asian Indian Chinese Filipino

Japanese Korean Vietnamese

Other Asian - Print race:

For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.

Black or African American

Native Hawaiian or Other Pacific Islander

Native Hawaiian Guamanian or Chamorro Samoan Other Pacific Islander - Print race:

For example: Fijian, Tongan, and so on.

White

I do not wish to provide this information To Be Completed by Financial Institution (for application taken in person):

Was the ethnicity of the Borrower collected on the basis of visual observation or surname? NO YES Was the sex of the Borrower collected on the basis of visual observation or surname? NO YES Was the race of the Borrower collected on the basis of visual observation or surname? NO YES The Demographic Information was provided through:

Face-to-Face Interview (includes Electronic Media w/ Video Component) Telephone Interview Fax or Mail Email or Internet

Borrower Name: Kimberly Ann Reich

Uniform Residential Loan Application Freddie Mac Form 65 • Fannie Mae Form 1003 Effective 1/2021

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Section 9: Loan Originator Information.

To be completed by your Loan Originator.

Loan Originator Information

Loan Originator Organization Name Quicken Loans, LLC

Address 1050 Woodward Ave, Detroit, MI 48226-1906

Loan Originator Organization NMLSR ID# 3030 State License ID# 11-1766

Loan Originator Name Anna Zych

Loan Originator NMLSR ID# 1409009 State License ID# 20201-MLO

Email AnnaZych@quickenloans.com Phone (313) 545-0660

Signature Date (mm/dd/yyyy) 06/01/2021

Borrower Name: Kimberly Ann Reich

Uniform Residential Loan Application Freddie Mac Form 65 • Fannie Mae Form 1003 Effective 1/2021

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To be completed by the Lender:

Lender Loan No./Universal Loan Identifier3473658209 Agency Case No.

Uniform Residential Loan Application - Lender Loan Information

This section is completed by your Lender.

L1. Property and Loan Information

Community Property State

At least one borrower lives in a community property state. The property is in a community property state.

Transaction Detail

Conversion of Contract for Deed or Land Contract Renovation

Construction-Conversion/Construction-to-Permanent Single-Closing Two-Closing

Construction/Improvement Costs $

Lot Acquired Date (mm/dd/yyyy)

Original Cost of Lot $

Refinance Type No Cash Out Limited Cash Out Cash Out

Refinance Program Full Documentation Interest Rate Reduction Streamlined without Appraisal Other

Energy Improvement

Mortgage loan will finance energy-related improvements.

Property is currently subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the Property Assessed Clean Energy program).

Project Type Condominium Cooperative Planned Unit Development (PUD) Property is not located in a project

L2. Title Information

Title to the Property Will be Held in What Name(s):

Kimberly Ann Reich For Refinance: Title to the Property is Currently Held in What Name(s):

Estate Will be Held in Fee Simple

Leasehold Expiration Date (mm/dd/yyyy)

Manner in Which Title Will be Held Sole Ownership

Life Estate

Tenancy in Common

Joint Tenancy with Right of Survivorship Tenancy by the Entirety

Other

Trust Information

Title Will be Held by an Inter Vivos (Living) Trust Title Will be Held by a Land Trust

Indian Country Land Tenure Fee Simple On a Reservation

Individual Trust Land (Allotted/Restricted) Tribal Trust Land On a Reservation Tribal Trust Land Off Reservation Alaska Native Corporation Land

Borrower Name: Kimberly Ann Reich

Uniform Residential Loan Application - Lender Loan Information Freddie Mac Form 65 • Fannie Mae Form 1003

Effective 1/2021

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L3. Mortgage Loan Information

Mortgage Type Applied For Conventional USDA-RD FHA VA Other:

Terms of Loan

Note Rate 3.1250 % Loan Term 360 (months)

Mortgage Lien Type First Lien Subordinate Lien Amortization Type

Fixed Rate

Adjustable Rate Other (explain): If Adjustable Rate:

Initial Period Prior to First Adjustment (months) Subsequent Adjustment Period (months) Loan Features

Balloon / Balloon Term (months)

Interest Only / Interest Only Term (months) Negative Amortization

Prepayment Penalty / Prepayment Penalty Term (months) Temporary Interest Rate Buydown / Initial Buydown Rate % Other (explain): 30 yr Fixed

Proposed Monthly Payment for Property

First Mortgage (P & I) $ 1,241.22

Subordinate Lien(s) (P & I) $

Homeowner's Insurance $ 141.64

Supplemental Property Insurance $

Property Taxes $ 157.86

Mortgage Insurance $ 106.24

Association/Project Dues (Condo, Co-Op, PUD) $

Other $

TOTAL $ 1,646.96

Borrower Name: Kimberly Ann Reich

Uniform Residential Loan Application - Lender Loan Information Freddie Mac Form 65 • Fannie Mae Form 1003

Effective 1/2021

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L4. Qualifying the Borrower - Minimum Required Funds or Cash Back

DUE FROM BORROWER(S)

A. Sales Contract Price $ 305,000.00

B. Improvements, Renovations, and Repairs $

C. Land (if acquired separately) $

D. For Refinance: Balance of Mortgage Loans on the Property to be paid off in the Transaction

(See Table 3a. Property You Own) $

E. Credit Cards and Other Debts Paid Off

(See Table 2c. Liabilities - Credit Cards, Other Debts, and Leases that You Owe) $

F. Borrower Closing Costs (including Prepaid and Initial Escrow Payments) $ 4,895.01

G. Discount Points $

H. TOTAL DUE FROM BORROWER(s) (Total of A thru G) $ 309,895.01

TOTAL MORTGAGE LOANS I. Loan Amount

Loan Amount Excluding Financed Mortgage Insurance (or Mortgage Insurance Equivalent) $289,750.00

Financed Mortgage Insurance (or Mortgage Insurance Equivalent) Amount $ $ 289,750.00

J. Other New Mortgage Loans on the Property the Borrower(s) is Buying or Refinancing

(See Table 4b. Other New Mortgage Loans on the Property You are Buying or Refinancing) $

K. TOTAL MORTGAGE LOANS (Total of I and J) $ 289,750.00

TOTAL CREDITS

L. Seller Credits (Enter the amount of Borrower(s) costs paid by the property seller) $ 4,895.01

M. Other Credits (Enter the sum of all other credits - Borrower Paid Fees, Earnest Money, Employer Assisted

Housing, Lease Purchase Fund, Lot Equity, Relocation Funds, Sweat Equity, Trade Equity, Other) $ 2,794.57

N. TOTAL CREDITS (Total of L and M) $ 7,689.58

CALCULATION

TOTAL DUE FROM BORROWER(s) (Line H) $ 309,895.01

LESS TOTAL MORTGAGE LOANS (Line K) AND TOTAL CREDITS (Line N) - $ 297,439.58

Cash From/To the Borrower (Line H minus Line K and Line N)

NOTE: This amount does not include reserves or other funds that may be required by the Lender to be verified. $ 12,455.43

Borrower Name: Kimberly Ann Reich

Uniform Residential Loan Application - Lender Loan Information Freddie Mac Form 65 • Fannie Mae Form 1003

Effective 1/2021

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Figure

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References