This document certifies that Daryl White completed 14 hours of continuing education courses for mortgage professionals in Florida, including courses on the Real Estate Settlement Procedures Act, Truth in Lending Act, fair lending, ethics, and Florida statutes. The courses were approved by the Florida Department of Financial Services.

1. Adv&noe ducation
C trfirtcate Of C ornp {etion
This will certify that Daryl White of
Fourteen (14) hours of Florida Mortga
Applying the Real Estate Settlement Procedures
,MO
Complying with the Federal Truth In Lending Act
Equal Opportunity and Fair Credit
Ethical Principles and Practices
Federal Law Update
Overview of Chapter 494,, Florida Statutes
Issue Date: 812612006
Authentication Number:
The provider and above courses are approved by the State of Ftorida Oepartmeni. of Financial Services and satisfies the
continuing education requirements for mortgage professionals under Chapm+94, Florida Statutes.
I has taken and completed our program of studies for
ftffiChristopher Nickerson
Chief Executive Officer
1 000DoI8262006uD88 r 80CCD645

2. Page I of2
Advance ducatlon
C e rtific ate Af C orn7 fe ti on
This will certify that Dar,vl White of CitiFinanc-ial Nlortgage
CompanS, has taken and completed.our program of' stud_ies f_o,
i*enty'(20) hours of Marf land' Continuing Education for'the
course(s)'entitled:
l.Rcal Estate Settlement Procedures Act (RESPA)
2.Equal Creilit Opportunity Act (tiCO;)
3.Federal Laly tTpdate
4.Truth - In - Lending (TILA)
:).l.,tnrcs
6.(iramm-Leach Blilev Act
7. P r e tl a t o r)' L c n tI in g
S.Maryland State Larv IiPdate
The provider and above courses are approved by the State of
Maryland Department of Labor, Licensing, and Regulation and
satijfy the continuing education requirements for mortgage lenders
under- C0'MAR 09.03 .oe .n.
auffi'j #Zff.",-'.-:"-- ..." "- .-'
Is'sue Date': 10128l2003 .
Authentication
Number :1000DOI10292003UD5076CCD87
Ch ris toph er lt{ickers0n
D i rec:to,r
Please maintain for your records
http://www.trainingpro.com/createcertificate.asp?ClassId:104&Userld:5076 10t29t2003

3. Advance ducation
C efitrtcate Of Co rnp fetion
This will certify thatSaryl White
CitiFis?aapeeial Mortgage CowrElany has taken
completed our program of studies for Eight (8) hours of
Carolina Continuing Education the course(s) entitled:
.trfrt t llllilltan..t, tt1t1|1)t)i:;!a::;)::i: I n #l
of
and
North
l.Rea[ Estate Settle rnent Frocedures Act
(RE, S S'A)
2.Equai Crsdit Opportunity Act (trCOA)
3.F esl*raE Lapv Upclate
4.Tx'utE: * tm - !-,eertling (TgLA)
5.f,thics
6.Gra{mxn-Leack Bliley Act
7.?rettrat*rv Le nding
B.North Carolina State Larv t}pdate
The provider and above courses are approved by the
North Carolina Office of the Commissioner of Banks and
satisfies the continuing education requirements for m_ortgage
professionals under N. C. G. S. 53-243.07, the assigned course
number is C80001.
Nnrth
Carolina
Issue Date:51112003
reffic hrl$qp&r t
lYiekerson
http://www.trainingpro.com/createcertificate.asp?ClassId:98&User[d:507 6 1012912003

4. Page I of2
C i*tftc nte Of C ornp fetion
'. This will certify that Daryl White of
CitiFinancial Mortgag€,'_ Com:prany' has, .taken,rq
completed our program of studies for Twenty (20) hours of
Oregon Contittoiog Eaucation the course(s) entitled:
1rRe,al""'..Bstate Settle'men,t ,, P-rocedur,ss Act
l.P.q"-al ,CreditOpportunityAct(FCOA) , , ,
s.Federal Law Update
6.An Overview$ the Application and Lending
Pro'-;;.
provi."W.q'ffi-ffiffiffe approved by tr"
'O re,g'o:n,',':M'o,rtga gtg L eu,d e'i:,.E.d,q ,atib n,..,,B'o'a.rd a n d,r-'s a'ti s fi es', th e
continuing education'' iequirementrs required under''ORS
Chapter 59 .977 for'maintaining qualificatiqn as ah..e,xperience.d
Loan Originator.
Issue Date:1012912003
Authentication
Numbei..: 1 000D OI1 0292 003UD5 076 CCD57
ftz'ff"Ch4qtqplrrr
Nickerson
Director
,: ,,
hup://www.trainingpro.com./createcertificate.asp?ClassId:70&UserId:5076 r0/29t2003

5. C E.rT'TJ FJ C,T-TE CF,T O J.J J E YEIVJ EN
-r
In recognition of achievement this eertificate is given to
DARYL WHITE
and deelares that the person so named has completed
FRAUD DETECTIO}{ TRAII{IhIG
as given by the
raud Management tlnit
CitiMortgage, Inc.
St. Louis, Missouri