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AFFIDAVIT AND WAIVER OF RIGHT OF RESCISSION FORM

We, __________________, ___________________, and

______________________________ as Tenants in _____________ (the

"Customer"), being first duly sworn, hereby depose and say that:

We have entered into a $_______________ loan transaction

with _______________ Bank and Trust Company, ______________,

____________________ (the "Creditor") on ______________, 19__

which may result in a lien, mortgage, or other security interest

on our home.

We hereby waive our right to rescind the transaction for

the following reasons:

The extension of credit is vitally necessary to meet a

bonafide personal financial emergency, whereby a delay of three

(3) business days in performance of Creditor's obligation under

this transaction will jeopardize our financial welfare and

endanger us and our family.

\

Therefore, We hereby waive our right of rescission and do

so under the pains and penalties of perjury this _______day of

___________, 19__.


_____________________________


_____________________________


_____________________________

Signatures witnessed by:


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