Metro Mortgage Corporation may provide certain disclosures, notices, documents, communications and information to you by electronic delivery only if you consent to communicate with Metro Mortgage Corp electronically, consent to receive electronic delivery of disclosures, notices, documents, communications information, and consent to receive electronic (instead of paper) records. This Electronic Delivery Notice describes the scope of such consent. Please read this Notice carefully.

Scope of Consent - Electronic Communication / Electronic Records / Electronic Delivery

If you consent to this Electronic Delivery Notice, you agree to:

Communicate with us electronically,
Receive electronic delivery of:

i) Disclosures that we are required by law to provide or make available to you in writing ("Disclosures"),

ii) Notices and information transmitted in, on or in connection with loan documents ("Notices"), and

iii) Information, notices, communications and documents about your Metro loan, for example, Appraisals, Financial Statements, etc., and

3. Receive electronic (instead of paper) versions of disclosures, notices, documents, communications and information and admit that electronic versions are "writings" or documents in written form. In our sole discretion, we may choose to provide you with paper (instead of electronic) versions of disclosures, notices, documents, communications and information and to not electronically deliver such items to you.

Definition of Electronic Delivery

"Electronic Delivery" means making information available by

Posting such information at our website www.metromc.com or other applicable website,
Transmitting such information in an e-mail (or, at our option, in an attachment to an e-mail) to your e-mail address in our records, or
Sending a notice to your e-mail address in our records that such information is available at our website or with instructions on how to access such information or with links to such information.

You agree that the method of electronic delivery is at our sole option.

Why Consent

You cannot receive by electronic delivery disclosures, notices, documents, communications and information if you do not consent to our Electronic Delivery Notice and agree to communicate with us electronically, to receive electronic delivery of disclosures, notices, documents, communications and information, and to receive electronic (instead of paper) records.

Right to Withdraw Your Consent and Right to Request a Paper Copy

You may withdraw your consent to communicate with us electronically, to receive electronic records (instead of paper copies), and to receive electronic delivery of disclosures, notices, documents, communications and information. If you withdraw your consent, you cannot receive by electronic delivery disclosures, notices, documents, communications and information. if you withdraw your consent for electronic delivery, a paper copy of future disclosures, notices, documents, communications and information will by put in the U.S.. mail addressed to the mailing address for your account or loan in our records. Withdrawal of your consent will not affect the validity or enforceability of disclosures, notices, documents, communications and information previously electronically delivered to you.

To withdraw your consent or to request a paper copy of disclosures, notices, documents, communications and information, please write us at Metro Mortgage Corporation, 2001 Assembly Street, Suite 202, Columbia, SC 29201.

Hardware and Software Requirements For Accessing and Retaining Electronic Disclosures

To access and retain disclosures, notices, documents, communications and information, you must have:

A personal computer with Internet access and an operating system capable of supporting PDF format, Adobe Acrobat Reader(tm), version 4.0 or greater, and an internet browser (such as Microsoft(tm) Internet Explorer 4.0, Netscape(tm) Navigator 40, or greater) with a 56-bit encryption level setting although a 128-bit setting is recommended,
An e-mail account and e-mail software,
Sufficient electronic storage capacity on your computer's hard drive or other data storage unit to view, download, print and/or save disclosures, notices, documents, communications and information, and
A printer that is capable of printing from your browser, e-mail software or hard drive or other data storage unit, a paper copy of electronic versions of disclosures, notices, documents, communications and information.

Miscellaneous

Please print or save a copy of our Electronic Delivery Notice. If you are not able to access and save or print our Electronic Delivery Notice, you cannot consent to our Electronic Delivery Notice or to electronic communications, electronic records and electronic delivery.

ELECTRONIC SIGNATURE CONSENT FORM

By Submitting the information below you hereby Consent to the following:

Receipt of the Electronic Delivery Notice
Your consent to receive legal documents electronically
Consent to the terms and conditions in the Electronic Delivery Notice