Federal and State disclosure regulations require the following Licenses to be explicitly disclosed:

GOVERNMENT HANDBOOKS:
Adjustable Rate Mortgage
Home Equity Loan
Home Loan Purchase

CALIFORNIA:
Licensed by the California Department of Real Estate (CA. D.R.E.). CA. D.R.E. License number 01426454. We may provide credit information about your account to our affiliates from time to time. This information may be used to qualify you for other credit offers. Married persons may apply for a separate account. California Fair Lending Notice – The Housing and Financial Discrimination act of 1977 ( see below for text).

MINNESOTA:
HomePlus Corporation is not acting as your agent in connection with obtaining a residential mortgage loan. While we seek to assist you in meeting your financial needs, we cannot guarantee the lowest or best terms available in the market. This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn. Stat. Section 47.206 (3) and (4).

WASHINGTON:
First Mortgage loans are made by HomePlus Corporation. Second Mortgage loans are made by HomePlus Corporation.

ARIZONA:
HomePlus Corporation is licensed by the Arizona Department of Financial Institutions as HomePlus Mortgage, license number MB-0909677.

HomePlus Corporation
d.b.a HomePlus Mortgage
3505 Camino Del Rio South, Suite #264
San Diego, CA 92108

Equal Housing Opportunity Lender

Home Mortgage Disclosure Act (HMDA):

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications, income of applicants and borrowers, and information about loan approvals and denials. Race and gender information will be collected in 2004 and available for review in 2005. Inquire at 3505 Camino Del Rio South, Suite #264 San Diego, Ca. 92108 regarding the location where HMDA data may be inspected. To receive a copy of the data, send a written request to:

HomePlus Corporation
Fair Lending Department
3505 Camino Del Rio South, Suite #264
San Diego, CA 92108

Equal Housing Opportunity Lender:

We conduct business in accordance with the Federal Fair Housing Law
(Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:

1) In the sale or rental of housing
2) In advertising the sale or rental of housing
3) In the financing of housing
4) In the provision of real estate brokerage service
5) In the appraisal of housing
6) Blockbusting is also illegal

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd),

U.S. Department of Housing and Urban Development
Assistant Secretary for Fair Housing and Equal Opportunity
Washington DC 20410.

The Housing Financial Discrimination Act of 1977, California Fair Lending Notice:

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.

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, and 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 residence.

If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or:

Department of Corporations
320 West 4th Street
Suite 750
Los Angeles, Ca. 90013

Equal Credit Opportunity Act Fair Lending Notice:

The Federal Equal Credit Opportunity Act prohibits creditors from discrimination against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning the creditor is:

Federal Trade Commission
Equal Credit Opportunity
Room 4037
Washington, DC. 20580