Disclosures and License Information for Acre Mortgage

Acre Mortgage is an Equal Housing Lender and conducts its mortgage lending in a manner consistent with all federal and state fair lending laws, including the following:

The Equal Credit Opportunity Act (“ECOA”) prohibits discrimination on the basis of a prohibited basis, which is defined as race, color, religion, national origin, sex, marital status, or age (provided that the applicant has the capacity to enter into a binding contract); the fact that all or part of the applicant’s income derives from any public assistance program; or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Board.

The Fair Housing Act expressly prohibits discrimination based on the race or color, religion, national origin, sex, handicap, or familial status (which prohibits discrimination against households having children under the age of 18 living with a parent or legal custodian, pregnant women or individuals with legal custody of children under 18).

For loans insured by the Federal Housing Administration (“FHA”), Acre Mortgage will not base eligibility on actual or perceived sexual orientation or gender identity.

For more information on the ECOA, please visit: http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtm

Additional Acre Mortgage & Financial, Inc. Disclosures Requirements

Acre Mortgage & Financial, Inc. is a licensed mortgage lender. Some states require specific licensing information, which is found below.

https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/13988

NOTICE TO TEXAS CONSUMERS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINTermsST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT 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 MORTGAGE BANKER RESIDENTIAL MORTGAGE 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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State Licensing Numbers

• Acre Mortgage & Financial Inc.: NMLS 13988

• Alabama: Alabama Consumer Credit License #23479

• Colorado: Colorado Mortgage Company Registration

• Connecticut: Connecticut Mortgage Lender License # ML-13988

• Delaware: Delaware Lender License #7695

• District of Columbia: District of Columbia Mortgage Dual Authority License #MLB13988

• Florida: Florida Mortgage Lender License #MLD8

• Georgia: Georgia Mortgage Lender License/Registration #63137

• Indiana: Indiana-DFI Mortgage Lending License #46407

• Maryland: Maryland Mortgage Lender License #13988

• New Jersey: Licensed by the N.J. Department of Banking and Insurance. Licensed Mortgage Banker # 9965751

• North Carolina: North Carolina Mortgage Lender License # L-128646

• Pennsylvania: Pennsylvania Mortgage Lender License # 21606

• South Carolina: South Carolina-BFI Mortgage Lender License # MLS-13988

• Tennessee: Tennessee Mortgage License # 238173

• Texas: Texas SML- Mortgage Banker Registration

• Virginia: Virginia Lender License # MC-5586