We do business in accordance with Federal Fair Lending Laws.

Under the Federal Fair Housing Act, it is illegal, on the basis of Race, Color, National Origin, Religion, Sex, Handicap, or Familial Status (having childeren under the age of 18) to

• Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured bya dwelling, or

• Discriminate in fixing the amount, interest rate, duration, application proceures, or other terms or conditiions of such a loan, or in appraising property

If you believe you have been discriminated against, you should send a compaint to: Assistant Secretary for Fair Housing and Equal Opportu- nity Departement of Housing & Urban Development, Washington D.C. 20410 for processing under the Federal Fair Housig Act and to: Nation- al Credit Union Administration Office of Consumer Protection, Alexandria, VA 22314-3428 for processing under NCUA Regulations.

Under the Equal Credit Opportunity Act, it is illegal to discriminate in any credit transaction: • On the basis of race, color, national origin, religion, sex, marital status, or age
• Because income is from public assistance or
• Because a right was exercised under the Consumer Credit Protection Act.

If you believe you have been discriminated against, you should send a complaint to: National Credit Union Administration, Office of Consum- er Protection, Alexandria, VA 22314-3428.

Hope Home Lending License Number is NMLS #2130311
16200 Dallas Parkway, Suite 280, Dallas, TX 75248 | Telephone (214) 272.7167 | Fax (972) 373.4409

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT — To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, ssex age and income of applicants and borrowers; and information about loan approvals and denials. H MDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website www.consumerfinance.gov/hmda.

Figure: 7 Tac 80.200(B)

"Consumers Wishing To File A Complaint Against A Company Or A Residential Mortgage Loan Originator Should Complete And Send A Com- plaint 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 Residentialmortgage 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."

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