1.    To all consumer-reporting agencies and to all creditors and depositories of the undersigned:
      Please be advised that the undersigned, and each of them, has made application to:
 
      requesting an extension of credit to the undersigned. Therefore, the undersigned, and each of them, hereby
      authorizes you to provide credit report and/or a disclosure to Lender or any agent or balance. The undersigned
      also authorizes you to disclose your deposit or credit experiences with the undersigned to Lender or to third parties.
  
2.    In addition, the undersigned, and each of them, hereby authorizes Lender to disclose to any third party, or any
       agent or employee thereof, information regarding the deposit or credit experience with any of the undersigned.
  
3.    A photographic or carbon copy of this authorization bearing a photographic or carbon copy of the signature(s) of
       the undersigned may be deemed to be equivalent to the original hereof and may be used as a duplicate original.