LICENSING

Our Fair Lending Statement:

The Following Fair Lending Statement was adopted by Senior Management in January 2013 –

Homeowners Financial Group USA, LLC believes in the, “American Dream of home ownership” and we continue to strive to positively impact the lives of individuals that come into contact with our organization. We believe in equal access to credit to all individuals without regard to race, sex, sexual orientation, religion, age, marital status, disability or other prohibited basis.

Our company culture promotes the highest ethical standards, to ensure we are vigilant in compliance with all regulatory and statutory requirements. Our employees receive periodic training on fair lending laws and our loan officers and their assistants are licensed professionals who provide careful analysis of each applicant’s financial situation, intending to assess their true ability and willingness to repay the loan and by providing the best mortgage loan product for the consumer’s financial situation. Our company culture focuses more on the welfare of the borrower and adherence to our regulatory obligations than monetary gain.

We are committed to providing excellent service to our borrowers and promoting an environment of fair and equal access to credit for all individuals.

State Licensing:

*James R. Thompson Center
IDFPR-Residential Mortgage Banking
100 W. Randolph, 9th Floor
Chicago, Illinois, 60601
Tel: (844) 768-1713

STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE: The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation once the Department completes our first evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. We will update this notice when our first evaluation has been issued.

**Texas Residents 7 TAC §81.200(c) “Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.”

***Notice to Michigan Inquirers and Loan Applicants: You have a right to submit a written application for a mortgage loan or a home improvement loan or to request written information concerning typical loan terms that we are currently offering on mortgage loans and home improvement loans. It is illegal to establish a minimum mortgage amount of more than $10,000.00 or a minimum home improvement loan of more than $1,000.00. It is illegal to deny a loan or vary the terms and conditions of a loan because of the racial or ethnic trends or characteristics of the neighborhood or the age of the structure, but not because of its physical condition. If your application for a loan is rejected, you have a right to a written statement of the reason for the rejection. If you are granted a loan but the amount required for downpayment, the interest rate, term to maturity, application procedure, or other terms or conditions of the loan vary from terms or conditions offered in other neighborhoods, you have a right to a written statement of the reasons for the variation. The rights described in this notice are set forth in and limited by MCL – Section 445.1605. If you believe that your rights under this act have been violated, you should contact the financial institutions bureau of the Michigan department of commerce.

MI Department of Insurance & Financial Services

530 W. Allegan Street, 7^th Floor

Lansing, MI 48933

517-284-8800 or 877-999-6442 (Toll-Free)

This is not a commitment to engage in a loan transaction. All loan products and loan amounts may not be available in your area and are subject to credit and property approval pursuant to agency and investor guidelines. Information, rates and programs are subject to change without prior notice. Some products may not be offered directly by Homeowners Financial Group USA, LLC (HFG) but are offered through a lender with whom HFG has a business relationship. Other restrictions and limitations may apply.