IMPORTANT BORROWER STATE DISCLOSURES

CALIFORNIA BORROWERS ONLY: NOTICE OF IMPORTANT RIGHTS
Under California law, we will not share information we collect about you with companies outside of Madison Management Services, LLC unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law. Married persons may apply for an account in their own name. Licensed by the Department of Financial Protection and Innovation under the Finance Lenders Law, NMLS ID No. 185724.

CA FAIR LENDING NOTICE
Under the Housing Financial Discrimination Act Of 1977 It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

• 1. Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice; or

• 2. Race, color, religion, sex, marital status, national origin or ancestry. It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of one-to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one-to four-unit family residence.

If you have questions about your rights or if you wish to file a complaint, contact:

The management of this financial institution or Department of Financial Protection and Innovation
Attn: Consumer Services
2101 Arena Boulevard
Sacramento, CA 95834
(916) 327-7585
(866) 275-2677

MASSACHUSETTS BORROWERS ONLY: NOTICE OF IMPORTANT RIGHTS
YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE CREDITOR.

NEVADA COLLECTION AGENCY REQUIREMENT: NMLS ID: 185724, Compliance Manager: CM11475, Compliance Manager NMLS # 301982.

PENNSYLVANIA BORROWERS ONLY: The lender retains a security interest in your residential real estate whenever the security interest has not been released.

TEXAS BORROWERS ONLY: COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550.

A complaint form and instructions may be downloaded and printed from the Department’s website located at www.sml.texas.gov or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at smlinfo@sml.texas.gov. Please note that this disclosure notice only applies to residential mortgage loans on real estate located in Texas.

IMPORTANT NOTICE TO ALL BORROWERS: IF YOU OR YOUR ACCOUNT ARE SUBJECT TO PENDING BANKRUPTCY PROCEEDINGS, OR IF YOU RECEIVED A BANKRUPTCY DISCHARGE ON THIS DEBT, THIS STATEMENT IS FOR INFORMATIONAL PURPOSES ONLY AND IS NOT AN ATTEMPT TO COLLECT A DEBT. IF YOU ARE NOT IN BANKRUPTCY OR DISCHARGED OF THIS DEBT, BE ADVISED THAT FCI IS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.