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NERDWALLET COMPARE, INC. LICENSES AND DISCLOSURES

Last Updated 12/21/23


LICENSES AND DISCLOSURES

NerdWallet Compare, Inc. (dba The Rate Chopper) (“we” or “us”) is a Delaware
corporation with its principal place of business located at 55 Hawthorne Street,
10th Floor, Suite 2, San Francisco, California 94105. We provide information and
tools related to loans and mortgages, and are currently accessible online at
www.nerdwallet.com and www.nerdwallet.com/mortgages, and through our mobile app
(the “Sites”). Certain home loan data, rates, and fees may be provided by
third-party data providers including, but not limited to, Mortech®, a registered
trademark of Zillow®. Our services seek to help you find and compare lenders or
products that may meet your needs. We are not a lender or underwriter. We do not
take loan applications, make credit decisions, or fund or service loans. We do
not enter into loan brokerage contracts with consumers, and we do not charge
consumers a fee to use these services.

Please see Nerdwallet’s Terms of Use for additional information. Pursuant to the
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required under certain state laws are deemed to be provided, received, and
agreed to.

STATE LICENSES

Alabama Alabama Mortgage Brokers License #22499

Alaska Alaska Mortgage Broker/Lender License #AK1617539

Arizona Arizona Mortgage Broker License #0943917

Arkansas Arkansas Mortgage Broker License #112682

California California Department of Real Estate, License #02039086 1651
Exposition Blvd., Sacramento, California 95815. Call Center: 877-373-4542

California Department of Financial Protection and Innovation, Finance Lender
License #60DBO-74812

Colorado Colorado Mortgage Company Registration, NMLS ID #1617539, Ph:
415-549-8913, Regulated by the Colorado Division of Real Estate

Connecticut Connecticut Mortgage Broker License #MB-1617539. NerdWallet Compare,
Inc. is a mortgage broker/lead generator, not a lender or correspondent lender.
NerdWallet Compare, Inc. will not make any mortgage loan commitments or fund any
mortgage loans.

Connecticut Small Loan Company License #SLC-1617539

NerdWallet Compare, Inc. is licensed by the Commissioner of Banking, 260
Constitution Plaza, Hartford, Connecticut 06130

Delaware Delaware Broker License #024882

District of Columbia District of Columbia Mortgage Broker License #MLB1617539

Florida Florida Mortgage Broker License #MBR2372

NerdWallet Compare, Inc. does not originate mortgage loans or commitments.
NerdWallet Compare, Inc. does not guarantee acceptance into any particular loan
program by any participating lender, or promise any specific loan terms or
conditions. If you apply for a loan request with our participating lenders, you
may receive from such lenders a Loan Estimate of the credit report fee, property
appraisal fee, or any other third-party fees required in connection with your
loan. The documentation you receive will include the terms and conditions for
obtaining a refund for said fees.

YOU ARE NOT REQUIRED TO PURCHASE ADDITIONAL PRODUCTS OR SERVICES FROM NERDWALLET
COMPARE, INC. OR FROM ANY PERSON OR ENTITY SUGGESTED OR RECOMMENDED BY
NERDWALLET COMPARE, INC. HOWEVER, NERDWALLET COMPARE, INC. RESERVES THE RIGHT TO
APPROVE THE ENTITY SELECTED BY YOU, WHICH APPROVAL MAY NOT BE UNREASONABLY
WITHHELD.

Georgia Georgia Mortgage Broker/Processor License/Registration #59828

Idaho Idaho Mortgage Broker/Lender License #MBL-2081617539

NerdWallet Compare, Inc. does not act as a lender or credit provider. If your
loan request is forwarded to participating lenders, the lenders will contact you
with additional information and/or offers. NerdWallet Compare, Inc. does not
distribute the products of all lenders available and therefore cannot guarantee
the lowest price or best terms available in the market.

NerdWallet Compare, Inc. provides its services to you at no cost to you.
NerdWallet Compare, Inc. will not charge or seek fees of any kind from you.
NerdWallet Compare, Inc. will receive fees from the participating lenders and
may be paid based on fees for services, goods, or facilities performed or
provided by us to the participating lenders.

This agreement remains in effect only as long as you seek to use the services
offered by NerdWallet Compare, Inc. You may discontinue this relationship at any
time, without notice, at no cost or penalty to you.

Illinois Illinois Residential Mortgage License #MB.6761457

Indiana Indiana SOS Loan Broker License #1617539

Iowa Mortgage Broker License #2017-0104

Kansas Kansas Mortgage Company License #MC.0025624

NerdWallet Compare, Inc. operates online marketplaces where individuals can
learn about mortgage offerings and products and connect with mortgage
professionals and financial institutions offering home loans, and is licensed
with the Kansas Office of the State Bank Commissioner in accordance with the
laws of the state of Kansas. This license does not represent an endorsement or
recommendation of the licensee's products or services by the Office of the State
Bank Commissioner. As a consumer, you may submit a complaint or inquiry about
this mortgage business by delivering a written statement to the Office of the
State Bank Commissioner, 700 SW Jackson St., Suite 300, Topeka, Kansas 66603.

Kentucky Kentucky Mortgage Broker License #MB829596

NerdWallet Compare, Inc. is not acting as an agent for you in your request to
obtain a mortgage loan and does not endorse or recommend any of the products of
any lender.

Louisiana Louisiana Residential Mortgage Lending License NMLS ID #1617539

Louisiana Loan Broker License #001363

LOAN BROKERAGE AGREEMENT AND DISCLOSURE STATEMENT

DISCLOSURE REQUIRED BY LOUISIANA LAW

The state of Louisiana does not approve or disapprove any loan brokerage
contract. The information contained in this disclosure has not been verified by
the state. If you have any questions, see an attorney before you sign a contract
agreement.

NerdWallet Compare, Inc. 55 Hawthorne St., 11th Fl. San Francisco, CA 94105

NerdWallet Compare, Inc. is a Delaware corporation and was incorporated on
January 20, 2017. NerdWallet Compare, Inc. is a wholly owned subsidiary of
NerdWallet, Inc. and an affiliate of NerdWallet Insurance Services, Inc.,
NerdWallet Advisory, LLC, aboutLife, Inc., NerdWallet Limited, Fundera, Inc.,
NerdWallet Canada Inc., and NerdWallet India Private Limited.

NerdWallet Compare, Inc. began operations as a lead generator on January 20,
2017.

SERVICES WHICH MAY BE PERFORMED:

NerdWallet provides opportunities for lenders to market their loan products to
consumers through a consumer-facing education and product comparison website
(the “Website”). The Website enables consumers of the Website to review
information about loan products in the marketplace, perform side-by-side
comparison of lending options based on price, terms, and other factors, and, at
the consumer’s discretion, continue to a selected lender’s website to fill out a
loan application.

BOND INFORMATION:

As required by Louisiana law, this loan broker has secured a bond by Hartford
Fire Insurance Company, 690 Asylum Avenue, Hartford, CT 06111, a surety
authorized to do business in this state. A certified copy of this bond is filed
with the commissioner of financial institutions. Before signing a contract with
this loan broker you should check with the surety company to determine the
bond’s current status.

Maine Maine Loan Broker License #1617539

Maine law requires that the disclosures below be provided to consumers before
any contract is signed with, and before any money is paid to, a credit services
organization or third parties.

Written Agreement or Contract Please print out this information and save it for
your records. You consent, acknowledge and agree that you have read and received
a copy of this Disclosure to Consumer.

NerdWallet Compare, Inc. will not act as your lender or credit provider.
NerdWallet Compare, Inc. provides your loan request to our lenders and our
lenders will contact you with their conditional loan offers. While we seek to
help you meet your financial needs, we do not distribute the products of all
lenders or investors in the market and cannot guarantee the lowest price or best
terms available in the market.

NerdWallet Compare, Inc. provides mortgage information at no cost to you.
NerdWallet Compare, Inc. will not charge or seek fees of any kind from you.
NerdWallet Compare, Inc. receives fees from lenders and may be paid by the
lender based on services, goods or facilities performed or provided by us to the
Lender.

This agreement remains in effect only as long as you seek to use the services
offered by NerdWallet Compare, Inc. You may discontinue this relationship at any
time, without notice, at no cost or penalty to you.

It is important that you read and understand all contracts related to any credit
services you obtain. It is also important for you to retain a copy for your
records.

Escrowing of Consumer Funds NerdWallet Compare, Inc. does not accept any fees
from the consumer, including third-party fees.

Consumer Protection Bond A consumer protection bond is on file with the State of
Maine. If you have a claim against our company which cannot be resolved through
informal means, you may institute an action to recover your loss from that bond
by filing a written complaint with the Director, Office of Consumer Credit
Regulation, 35 State House Station, Augusta, Maine, 04333-0035.

Maryland Maryland Mortgage Lender License No. 1617539

NerdWallet Compare, Inc. does not accept or solicit any fees or payments from
consumers. If you submit a loan request to NerdWallet Compare, Inc. and your
loan request is forwarded to participating mortgage lenders, you may be issued a
financing agreement by those lenders in accordance with Maryland Commercial Law
Code §§ 12-125, 12-1013. This financing agreement shall include: (1) the term
and principal amount of your loan; (2) an explanation of the type of mortgage
loan being offered; (3) the interest rate and, if the rate is subject to final
determination at a future date based on some objective standard, a specific
statement of those facts; (4) the points, if any, to be paid by you; and (5) the
term during which the financing agreement remains in effect.

Maryland Credit Services Business License No. 28-124

Consumers have the right to review any file on the consumer maintained by any
consumer reporting agency, and have the right to receive a copy of a consumer
report containing all information in that file as provided under the federal
Fair Credit Reporting Act (15 U.S.C. § 1681g) and Md. Commercial Law Code Ann. §
14-1206. This information will be furnished free of charge by the consumer
reporting agency if requested by the consumer within 30 days of receiving a
notice of denial of credit as provided under the under the same federal and
Maryland laws. If the consumer has not been denied credit within 30 days of the
request, the consumer reporting agency may not charge more than $5 for the
report. Consumers may also dispute the completeness or accuracy of any item
maintained by the consumer reporting agency, as provided under the federal Fair
Credit Reporting Act (15 U.S.C. § 1681i) and Md. Commercial Law Code Ann. §
14-1208. Accurately reported information may not be permanently removed from the
file.

The services to be provided to you by NerdWallet Compare, Inc. may include (a)
providing educational materials regarding loan products and offers; and (b)
providing a web portal that will enable you to review information about consumer
loan products and offers from potential third-party lenders in the marketplace,
compare lending options, and choose among available options based on price,
terms, and other suitability factors. These services will be provided to you at
no cost. The company does not make credit decisions and does not, and has no
plans to, act as a lender, servicer, or underwriter, and will not be collecting
loans.

Consumers have the right to file a complaint pursuant to Md. Commercial Law Code
Ann. § 14-1911. Complaints may be filed with the Maryland Commissioner of
Financial Regulation by mail at 500 N. Calvert Street, Suite 402, Baltimore, MD
21202, Attention: Consumer Services Unit.

Nerdwallet Compare, Inc. has secured a bond by Hartford Fire Insurance Company,
a surety authorized to do business in this state. A certified copy of this bond
is filed with the commissioner of financial institutions. You may check with the
surety company to determine the bond’s current status.

Massachusetts Massachusetts Mortgage Broker License No. MB1617539

Michigan Michigan 1st Mortgage Broker License No. FL0021059 Michigan 2nd
Mortgage Broker License No. SR0021060

Minnesota Minnesota Residential Mortgage Originator License No. MN-MO-1617539

NERDWALLET COMPARE, INC. IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH
OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE NERDWALLET COMPARE, INC. WILL SEEK
TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR
BEST TERMS IN THE MARKET.

The information on this Site may not be considered by any person to be an offer
to enter an interest rate lock-in agreement under Minnesota law.

Mississippi Licensed by the Mississippi Department of Banking and Consumer
Finance as a Mortgage Broker License #1617539

As a borrower you are protected under the Mississippi Mortgage Consumer
Protection Act. Complaints against a licensee may be made by contacting the:

Mississippi Department of Banking and Consumer Finance PO Box 23729 Jackson, MS
39225-3729

Montana Montana Mortgage Broker License #1617539

Nebraska Nebraska Mortgage Broker License #1617539

New Hampshire New Hampshire Mortgage Broker License #22314-MBR. Licensed by New
Hampshire Banking Department.

New Hampshire Small Loan License #23078-SM

You or your attorney may file a complaint related to this service with the New
Hampshire Bank Commissioner.

New Jersey New Jersey Residential Mortgage Broker License NMLS ID #1617539.
NerdWallet Compare, Inc. will not make any mortgage loan commitments or fund any
mortgage loans.

New Jersey Consumer Lender License #1904006

New Mexico New Mexico Mortgage Loan Company License

New Mexico Small Loan Company License #02383

IMPORTANT CONSUMER INFORMATION

This website contains some common terms and definitions, which are intended to
help you better understand your credit transaction. Credit costs money, so it is
important that you fully understand the terms of your credit transaction. If you
come across terms you do not understand, look up the terms, or ask our personnel
to explain the terms to you. Ask questions. Make certain the questions that you
ask are answered. Make certain you understand the terms and costs of your loan.

Common Terms and Definitions Equal Credit Opportunity Act (ECOA): A federal
regulation which requires lenders to promote the availability of credit to all
creditworthy applicants without regard to race, color, religion, national
origin, sex, marital status, or age (provided the applicant has the capacity to
contract); to whether all or part of the applicant’s income derives from a
public assistance program; or to whether the applicant has in good faith
exercised any right under the Consumer Credit Protection Act. The regulation
prohibits creditor practices that discriminate on the basis of any of these
factors.

Contract: A written binding document, describing terms of an agreement between
two or more persons. (Keep all paperwork. Later, if there are any questions, you
will have your agreement in writing.)

Annual Percentage Rate (APR): The cost of your credit as a yearly rate. APR is a
combination of the interest rate plus the fees charged on your loan. APR is
higher than the interest rate because it includes both fees and interest as
finance charges. It is intended to provide a single value for a consumer to
compare the cost of credit between one lender and another. Under New Mexico law,
the APR for a loan in an amount of $5,000 or less made pursuant to the Small
Loan Act of 1955 or the Bank Installment Loan Act of 1959 cannot exceed one
hundred seventy-five percent, effective January 1, 2018.

Finance Charge: The dollar amount the credit will cost you. Finance charges
include interest, and may also include transaction fees and service fees.

Principal: The amount of money owed on a debt, on which interest is calculated.

Interest: The cost of borrowing money, generally a percentage of the amount
owed.

Balance: The total amount of money owed to a lender.

Default: Failure to pay a debt as agreed to on a contract. When a loan is in
default, the lender may demand full payment of the remaining debt.

Collateral: Security pledged by a borrower to protect the interests of the
lender; in case of default, the lender may take ownership of the security, if
any, pledged by the borrower.

Credit Bureau: A private company that keeps a record of your credit history for
distribution upon request by authorized parties. When you apply for credit, a
lender may request a credit report to review when considering your application.

Credit History: A record containing information about you, including your
payment history on previous debts.

Credit Report: A report of the credit history and other information about you
that is kept by credit bureaus, which may include: your name, address, social
security number, payment history (good and bad), current and previous debts,
employers, income, etc. Accurate information on a credit report may not be
legally removed. Incorrect information may be removed by disputing the
information to the credit bureau involved.

This provider is licensed and regulated by the New Mexico Regulation and
Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550
Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or
complaints, contact the division by telephone at (505) 476-4885 or visit the
website: https://www.rld.nm.gov/financial-institutions/.

North Carolina North Carolina Mortgage Broker License #B-179665

NerdWallet Compare, Inc. does not make mortgage loans or commitments; NerdWallet
Compare, Inc. cannot guarantee acceptance into any particular loan program by
any lender or specific loan terms or conditions. You may be required by the
lender to pay an application fee to cover costs of an appraisal, credit report,
or other items. The lender determines the amount of the fee.

North Carolina Loan Broker Registration No. 289.

As required by North Carolina law, NerdWallet Compare, Inc. has secured a bond
by Hartford Fire Insurance Company, a surety authorized to do business in North
Carolina.

North Dakota North Dakota Money Broker License #MB103384

NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF BANKING
AND FINANCIAL INSTITUTIONS, CONSUMER DIVISION, 2000 SHAFER STREET, SUITE G,
BISMARCK, NORTH DAKOTA 58501-1204.

THE DEPARTMENT OF BANKING AND FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE
MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE
TERMS OR OF THE BROKER’S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE
SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF BANKING AND
FINANCIAL INSTITUTIONS.

Ohio Ohio Residential Mortgage Lending Act Certificate of Registration
#RM.804391.000

Oklahoma Oklahoma Mortgage Broker License #MB011455

Oklahoma Credit Services Organization License No. CSO 00561

As required by Oklahoma law, NerdWallet Compare, Inc. has secured a bond by
Hartford Fire Insurance Company, One Hartford Plaza Hartford, CT 06155, a surety
authorized to do business in Oklahoma.

Oregon Oregon Mortgage Lending License #ML-5600

Oregon Consumer Finance License #0462-001-C

NerdWallet Compare, Inc. is subject to the regulations and oversight of the
Division of Financial Regulation of the Department of Consumer Business
Services. Consumers' inquiries or complaints may be made by calling
866-814-9710.

Pennsylvania Pennsylvania Mortgage Broker License #64516

Rhode Island Rhode Island Loan Broker License #20173515LB

South Carolina NerdWallet Compare, Inc. South Carolina-DCA Mortgage Broker
License #1617539 NMLS ID #1617539



South Dakota South Dakota Foreign Corporation Entity #FB133700 South Dakota
Mortgage Brokerage License #MB.00051



Tennessee Tennessee Mortgage License #1617539

Texas Texas Regulated Lender License #160370 Texas SML Mortgage Company License
#1617539



CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A 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
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.

Vermont Vermont Mortgage Broker License #1404 MB Vermont Loan Solicitation
License #LSO-1617539



Disclosure to Vermont Customers:

THIS IS A LOAN SOLICITATION ONLY. NERDWALLET COMPARE, INC. IS NOT A LENDER.
INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION
WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING
LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

NerdWallet Compare, Inc. does not take loan or mortgage applications or make
credit decisions. Rather, we display rates from lenders that are licensed or
otherwise authorized to work in Vermont. We forward your information to a lender
you wish to contact so that they may contact you directly.

Virginia NerdWallet Compare, Inc., NMLS ID # 1617539, Virginia Mortgage Broker
License # MC-6974

Washington Washington Mortgage Broker License # MB-1617539

NerdWallet Compare, Inc. does not charge you a fee for services. The use of
NerdWallet Compare, Inc.’s computerized loan comparison services are not
required to obtain a residential mortgage loan. The full range of loans
available may not be listed on NerdWallet Compare, Inc.’s lead generation
system, and different terms and conditions, including lower rates, may be made
available from others not listed in the system.

If your loan request is forwarded to one or more participating lenders, you may
receive from those lenders a good faith estimate of the settlement costs and
fees as required under Washington state law and a Loan Estimate form as required
by the TILA-RESPA Integrated Disclosure Act.

The interest rates quoted by lenders are subject to change unless and until an
interest rate lock-in agreement has been made between you and the lender. The
terms and conditions of lock-in agreements, including whether the lock-in fee
may be refunded, if any, will be set by the lender. NerdWallet Compare, Inc.
does not offer interest rate lock-in agreements and does not guarantee any
interest rate quoted by a lender.

NerdWallet Compare, Inc. will not collect any fees from you in connection with
your loan request. All fees will be collected by and are payable to the lender.
If the lender is licensed under the Washington Broker Practices Act, any fees
paid by you for third-party services (such as a credit report or appraisal) may
be held in a trust account, and any such moneys remaining after the payment to
third-party service providers will be refunded to you.

If you are unable to obtain a loan for any reason and you have paid for an
appraisal, title report, or credit report in full in connection to a loan made
with a lender licensed under the Washington Mortgage Broker Practices Act, the
lender shall give you a copy of any such document, and will transmit the
originals to any other mortgage broker or lender at your direction within five
(5) days of your written request. Under the Equal Credit Opportunity Act (ECOA),
you are entitled to receive a copy of any appraisal you have paid for.

Washington enforces the prohibition of unfair practices with respect to credit
transactions because of race, creed, color, national origin, sex, marital
status, honorably discharged veteran or military status, sexual orientation, or
the presence of any sensory, mental, or physical disability.

West Virginia West Virginia Mortgage Broker License #MB-36126

West Virginia Credit Service Organization Registration #9A2NI

Wisconsin Wisconsin Consumer Act Registration, November 2018

Wisconsin Mortgage Broker License #1617539BR

Wyoming Wyoming Mortgage Broker License #3063

NerdWallet Compare, Inc. provides mortgage services at no cost to you.
NerdWallet Compare, Inc. will not charge or seek fees of any kind from you. This
agreement remains in effect only as long as you seek to use the services offered
by NerdWallet Compare, Inc.; you may discontinue this relationship at any time,
without notice, at no cost or penalty to you. This agreement does not create an
exclusive relationship.

NerdWallet Compare does not take mortgage applications, originate, service, or
make credit decisions in connection with loans, nor does it issue commitments or
lock-in agreements. NerdWallet Compare, Inc. will forward the information you
provide to participating lenders. The lender will then conduct a preliminary
review to determine your loan qualifications based on its guidelines and will
contact you regarding its loan products and offers. NerdWallet Compare, Inc.
does not distribute the products of all lenders in the market and does not
guarantee that the loan terms or rates offered and made available by lenders are
the best terms or lowest rates available in the market.

NerdWallet Compare, Inc. is paid an advertising fee by lenders for the goods,
facilities, and services provided by NerdWallet Compare, Inc.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

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