Important Program Information

*You have received this offer because we obtained information from our list of providers that leads us to believe you satisfy our criteria for creditworthiness. If you respond to it, we will verify the credit, income and equity information, but if you do not meet the criteria or you fail to furnish any required collateral, we may refuse to extend credit to you. You have the right to prohibit the use of your credit report information in any credit transaction that you did not initiate, such as this offer, by notifying the agency listed below. You may notify the credit agency listed by calling one convenient number: 1-888-5OPTOUT (1-888-567-8688). Experian, P.O. Box 919, Allen, TX 75013, Telephone (888) 567-8688. Equifax, P.O. Box 740123 Atlanta, GA 30374-0123. Telephone (888) 567-8688. TransUnion, P.O. Box 97328, Jackson, MS 39288-7328. Telephone (888) 567-8688.

Important pre-qualified information: Pre-Qualified means you have been Qualified to receive this offer because you meet the credit standards established for this offer based on information contained in a pre-qualifying credit report. After we talk to you and obtain additional information on such items as income, debts and equity in your home, we will verify your creditworthiness and confirm that you have sufficient income to pay all your obligations. In certain limited circumstances, we may not be able to open an account for you if upon receipt of all necessary information, 1) you no longer meet the criteria used to select you for this offer; 2) we are unable to verify that you meet specific creditworthiness criteria based on your response information; or 3) you do not have enough equity in your home to qualify for your minimum loan amount. This offer is nontransferable. If you accept our offer, you will provide us a mortgage in at least a first or second lien position on a single-family residential property in which your name appears on the title.