Terms & Privacy We respect your privacy. Privacy is fundamental to the American way of life. When you provide personal information in order to process your transaction, you fully expect your data to be used only for its intended purpose and to be kept confidential. We respect you right to confidentiality and take every possible measure to ensure that your personal information remains personal. In short, we work hard to earn your confidence and preserve your trust. We value your business and hope you will remain with us for many years to come. This privacy disclosure is being issued to comply with the provisions of the Gramm-Leach-Bliley Act governing the privacy of consumer financial information. CATAGORIES OF INFORMATION THAT WE MAY COLLECT We collect nonpublic personal information about you from the following sources: • Information we receive from you on application or other forms such as: your name, address, social security number, assets and income. • Information about your transactions with us, our affiliates, or others, such as: your account balance, payment history and parties to transactions. • Information we receive from a consumer-reporting agency, such as: your creditworthiness and credit history. NONPUBLIC PERSONAL INFORMATION AND AFFILIATES We may disclose nonpublic personal information we collect as described above with our affiliates. CONFIDENTIALITY AND SECURITY We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public information. NOTICE TO APPLICANT E.C.O.A. Notice The Federal Equal Credit Opportunity Act prohibits creditors from discrimination against credit applicants on the basis of race, color, religion, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Trade Commission, Equal Credit Opportunity, Washington D.C. 20580. Phone number (202) 724-1140. I hereby acknowledge that neither you nor your agents nor employees, have made any warranties, statements or representatives as to the quality, value or condition or the property, and you are not responsible to me for the condition of the property. I agree not to assert any claim against you or your affiliates for any defect or deficiency of the property. Applicants should be aware that the signing of any application or related documents in connection with their request for a loan, under no circumstances constitutes a firm commitment or contract between applicant and America One Finance to grant this loan. Applicant realizes that unless the loan application rate and program is locked, the terms and conditions may be changed at any time prior to loan approval due to underwriting, market conditions and investor requirements. All rate locks are subject to investor approval of the completed application and subject to their specific underwriting guidelines. In the event that this loan application is turned down by, America One Finance, or one of its investors, applicant will be notified by written notification with an explanation. Should Quintet Mrtgage for any good reason broker this loan application to an outside investor/lender for funding, the costs listed on the Good Faith Estimate may be paid partially to the other investor/lender. Those items specifically affected would be costs of Loan Origination, Discount, Credit Report, Appraisal, Inspection, Commitment, Documents, Processing, Underwriting and possibly others. THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 FAIR LENDING NOTICE: It is illegal to discriminate in the provisions of or in the availability of financial assistance because of the consideration of the: • 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 • Race, color, religion, sex, marital status, national origin or ancestry. It is illegal to consider 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 a one-to-four unit family residence occupied by the owner and for the purpose of the home improvement of any one-to-four unit family residence. If you have an questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or the agency noted above. At any time, if you would like to update your personal information or remove it from our records, please contact us. Rich Rano Senior Loan Specialist   MLO-120146 425-773-3100 Quintet Mortgage LLC MB-68255  19031 33rd Av W Suite 309, Lynnwood, WA  98036