This document certifies all of the information provided in the loan application is true and complete. This is the Borrower's Certification and Authorization. By signing this document the borrower agrees and certifies that the information contained in the borrower's loan application is true and complete, without misrepresentation or omission of important facts.The borrower also authorizes the lender to release loan-specific information to an investor looking to purchase the loan in the secondary market.Information provided to the investor could include the borrower's employment history and income, bank account balances, credit history and copies of the borrower's income tax returns.