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LENDINGTREE LICENSES AND DISCLOSURES

Disclosures Last Updated: December 17, 2021

License Information Last Updated: February 1, 2023

General. LendingTree, LLC is a Delaware limited liability company with its
corporate headquarters located at 1415 Vantage Park Drive, Suite 700, Charlotte,
North Carolina 28203. Any reference in this Licenses and Disclosures to “we” or
“us” or similar words shall refer to LendingTree, LLC unless otherwise
indicated, all such entities referred to as “LendingTree”. Any reference in
Licenses and Disclosures to “you” or “your” means the person(s) using the
LendingTree Websites (as defined in the Terms of Use Agreement), and/or the
good, facilities or services of LendingTree offered through alternative methods.
LendingTree is a marketing lead generator, required to be licensed as a Mortgage
Broker or other state license designation. LendingTree DOES NOT take mortgage
applications, originate, service, make loans or credit decisions in connection
with loans, nor does LendingTree issue commitments or lock-in agreements.
LendingTree’s services are only administrative. Any loan inquiry you submit is
NOT an application for credit. Rather, it is an inquiry to be matched with
Lenders to receive condition loan offers from Lenders. You may have to complete
an application with a Lender before they will extend an unconditional offer. A
Lender you select may require you to pay an application or other fee to cover
the costs of an appraisal, credit report or other items. The Lender, not
LendingTree, will determine the amount of any such fee and should provide
information to you regarding the refundability of any such fee. LendingTree, LLC
does not endorse or recommend the products of any particular Lender.

Except as otherwise provided for your state, LendingTree, LLC is not an agent of
you or any Lender. You should rely on your own judgment in deciding which
available loan product, terms and Lender that best suits your personal financial
requirements. The Lender is solely responsible for its services to you, and you
agree that LendingTree, LLC shall not be liable for any damages or costs of any
type arising out of, or in any way connected with, your use of such services.
You understand that Lenders may keep your loan request information and any other
information provided by LendingTree, LLC or received by them in the processing
of your loan request, whether or not you are qualified for a loan with them or
if you make a loan with them. In addition, LendingTree, LLC may receive
personally identifiable information regarding the disposition of your loan from
the Lender in order to fulfill its regulatory requirements as well as for
internal business purposes. You agree to notify any particular Lender directly
if you no longer want to receive communications.

Fees. LendingTree does not charge you any fee for its services. LendingTree
receives its compensation from the Lenders or Providers for the goods,
facilities and services provided by LendingTree. LendingTree’s compensation
varies by product and service. Marketing fees paid by the Lender or Provider may
be included in your rate, points, or term. Although some state licensing laws
treat fees paid in exchange for marketing lead generation services as mortgage
broker fees or origination fees, this is not the case under federal law. See the
Terms of Use Agreement for details.

Credit. Any loan request you submit is NOT an application for credit. Rather, it
is a request to be matched with Lenders to receive conditional loan offers from
Lenders. You may have to complete a full application with a Lender before they
will extend an unconditional loan offer. A Lender you select may require you to
pay an application or other fee to cover the costs of an appraisal, credit
report as well as for other items. The Lender will determine the amount of any
such fee(s) and should provide information to you regarding the refundability of
any such fee(s).

Federal Disclosures. Any request will be forwarded to Lenders, Brokers, Dealers,
or Partners (depending on product selected) and these Partners may make certain
disclosures to you. These disclosures, which are required by the Truth in
Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and
certain other federal and state laws, include details of your cost of credit;
good faith estimates of your settlement costs (GFE) on August 1, 2015 the GFE
will be called the Integrated Loan Disclosure or Loan Estimate and will be
delivered to you by the Lender you select to proceed with for your loan needs;
HUD mandated booklets “Guide to Settlement Costs” and/or “When your Home is on
the Line”; notices concerning the possibility that your mortgage loan servicing
may be transferred; and your right to a copy of any appraisal, if any, performed
on your home. The Equal Credit Opportunity Act (ECOA) prohibits creditors from
discriminating against credit applicants on the basis of race, color, religion,
national origin, sex, marital status, age (provided 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 agency that administers compliance with this law varies by
Lender depending on its lending authority, but may include the Federal Trade
Commission, Equal Credit Opportunity, Consumer Response Center, Washington, DC
20580 or at 1-877-FTC-HELP (1-877-382-4357; TDD 1-866-653-4261; or at
www.ftc.gov.

PURSUANT TO LENDINGTREE’S TERMS OF USE AGREEMENT AND THE CONSENT FOR ELECTRONIC
DISCLOSURES, THE DISCLOSURES AND CONSENTS REQUIRED UNDER CERTAIN FEDERAL AND/OR
STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY YOUR USE OF THE
WEBSITES (AS DEFINED IN THE TERMS OF USE AGREEMENT).

State Licenses  – LendingTree LLC’s Nationwide Mortgage Licensing System (NMLS)
Identification Number is 1136.

For some states, required Mortgage Broker Disclosures are included above in the
LendingTree Disclosures section.

Alabama
Alabama Mortgage Brokers License No. 8694 (also doing business as
LendingTreePartners.com).

Alaska
Alaska Mortgage Broker/Lender License No. AK1136 (also doing business as
GetSmart® and LendingTreePartners.com; License Nos. AK1136-1, AK1136-2).

NOTE: A mortgage lender or mortgage broker may not refinance a mortgage loan
within 12 months after the date the mortgage loan is closed unless the
refinancing is beneficial to the borrower.

Arizona
Arizona Mortgage Broker License No. 0902469 (also doing business as
LendingTreePartners.com).

Arkansas
Arkansas Mortgage Broker License No. 24441 (also doing business as
LendingTreePartners.com, GetSmart®, and GetSmart.com).

NOTE: Except for state or federally chartered depository institutions that are
FDIC- or NCUA-insured, it is unlawful for a person to broker or make a
refinancing of a residential mortgage loan when the refinancing charges
additional points and fees, within a 12-month period after the original loan
agreement was signed, unless the refinancing results in a reasonable, tangible
net benefit to the borrower, considering all of the circumstances surrounding
the refinancing.

California
California Licensed by Department of Financial Protection & Innovation (DFPI),
under the California Financing Law, License No. 6037234, with principal office
located at LendingTree, LLC, 1415 Vantage Park Drive, Suite 700, Charlotte, NC
28203 (also doing business as LendingTreePartners.com, GetSmart®, and
GetSmart.com).

LendingTree does not make mortgage loans or commitments.

If your loan request is forwarded to a Lender that makes you an offer, you
should receive from the Lender a good faith estimate (GFE) required under RESPA,
on August 1, 2015, the GFE changed to be known as an integrated disclosure and
referred to as an initial Loan Estimate and will have both the RESPA and TILA
disclosures. The new disclosure statement required under the TILA/RESPA, is
required to be delivered within three (3) business days from the date you submit
an application to a Lender. If the Lender denies your request for credit and
that action is based, in whole or in part, on any information contained in a
consumer credit report, you have the right to obtain, within sixty (60) days, a
free copy of your consumer credit report from the credit reporting agency that
compiles and maintains files on consumers on a nationwide basis. You also have
the right to dispute the accuracy or completeness of any information in a
consumer credit report furnished by the consumer credit reporting agency by
contacting that agency directly.

An applicant, if married, may apply for a separate account / credit.

THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 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; OR

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, 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 ONE- TO FOUR-UNIT FAMILY
RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF
ANY ONE- TO FOUR-UNIT FAMILY RESIDENCE.

IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT,
CONTACT THE MANAGEMENT OF THIS FINANCIAL INSTITUTION OR:

Department of Financial Protection & Innovation:

320 West 4th Street, Suite 750
Los Angeles, CA 90013-2344
Phone: (213) 576-7500

300 S. Spring Street, Suite 15513
Los Angeles, CA 90013-1259
Phone: (213) 897-2085

One Sansome Street, Suite 600
San Francisco, CA 94104-4428
Phone: (415) 972-8565

2101 Arena Boulevard
Sacramento, CA 95834
Phone: (916) 445-7205

1455 Frazee Road, Suite 315
San Diego, CA 92108
Phone: (619) 610-2093

Toll-Free Phone (all locations): (866) 275-2677
Website: https://dfpi.ca.gov/

Acknowledgement of Receipt of this Notice is provided to you when you submit a
request, but you are encouraged to retain a copy of this information for your
records.

California Bureau of Real Estate

LT Realty Services, Inc. License #01478246 (also doing business as LT Realty
Services)
1651 Exposition Blvd., Sacramento, CA 95815. Call Center: 877-373-4542.

Colorado
Colorado Mortgage Company Registration Regulated by the Division of Real Estate
(also doing business as LendingTreePartners.com).
NMLS ID #1136

Connecticut
Connecticut Mortgage Broker License No. 4164 (also doing business as
LendingTreePartners.com, GetSmart®, and GetSmart.com).

LendingTree is a MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE
CORRESPONDENT LENDER.

Connecticut Small Loan Company License No. SLC-1136.

Delaware
Delaware Broker License No. 010996 (also doing business as
LendingTreePartners.com).

LendingTree does not charge the consumer a fee for its services, rather the
lenders pay a marketing replacement match fee to be put in contact with the
consumer and to compete for the consumer’s business. As such the requirements
under Code Del. Regs. 5 2103 are supplied to consumers who submit an inquiry,
but the value of charges by LendingTree will be zero. A copy of the Schedule as
of 4/11/14 is available at:
http://regulations.delaware.gov/AdminCode/title5/2100/2103.pdf.

District of Columbia
Government of the District of Columbia Mortgage Broker License No. MLB1136 (also
doing business as LendingTreePartners.com and GetSmart®).

If your loan request is forwarded to our participating Lenders, you may be
issued a financing agreement by the Lenders in accordance with D.C. Code Ann. §
26-1113. If provided, the financing agreement will provide: (A) the term and
principal amount of the loan; (B) an explanation of the type of mortgage loan
being offered; (C) the interest rate and, if the rate is subject to change, or
is a variable rate, or is subject to final determination at a future date based
on some objective standard, a specific statement of those facts; (D) the points
and fees, if any, to be paid by you; and (E) the term during which the financing
agreement remains in effect. This financing agreement must be executed by the
Lender and must be delivered as least 72 hours before settlement.

DISCLOSURE OF DUAL CAPACITY: LENDINGTREE HAS OFFERED TO ASSIST YOU IN OBTAINING
A MORTGAGE LOAN REQUEST. IF WE ARE SUCCESSFUL IN OBTAINING A LOAN REQUEST FOR
YOU, LENDINGTREE WILL RECEIVE A MARKETING LEAD GENERATION FEE FROM THE LENDER.
IF YOU ALSO USE A REAL ESTATE PROVIDER, LENDINGTREE MAY RECEIVE AN ADDITIONAL
MARKETING LEAD GENERATION FEE. LENDINGTREE DOES NOT REPRESENT ALL OF THE LENDERS
IN THE MARKET, AND THE LENDERS IN LENDINGTREE’S NETWORK WHICH IT DOES REPRESENT,
MAY NOT OFFER THE LOWEST INTEREST RATES OR BEST TERMS AVAILABLE TO YOU. YOU ARE
FREE TO SEEK A LOAN WITHOUT OUR ASSISTANCE. YOU CONSENT, ACKNOWLEDGE AND AGREE
HAVING READ AND UNDERSTOOD THIS DISCLOSURE OF DUAL CAPACITY AND HAVING RECEIVED
A COPY HEREOF.

Florida
Florida Mortgage Broker License No. MBR1298 (also doing business as
LendingTreePartners.com and GetSmart®).

LendingTree does not make mortgage loans or commitments. Nor can LendingTree
guarantee acceptance into any particular loan program by any participating
Lender, or promise any specific loan terms or conditions. If your loan request
is forwarded to our participating Lenders, you may receive from such Lenders, a
good faith estimate (GFE) 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
LENDINGTREE OR FROM ANY PERSON OR ENTITY SUGGESTED OR RECOMMENDED BY
LENDINGTREE. HOWEVER, LENDINGTREE RESERVES THE RIGHT TO APPROVE THE ENTITY
SELECTED BY YOU, WHICH APPROVAL MAY NOT BE UNREASONABLY WITHHELD.

Georgia
Georgia Mortgage Broker/Processor License/Registration No. 12989 (also doing
business as LendingTreePartners.com, GetSmart® and GetSmart.com).

Hawaii
Hawaii Mortgage Loan Originator Company License No. HI-1136 (also doing business
as LendingTreePartners.com and GetSmart.com).

Idaho
Idaho Mortgage Broker/Lender License No. MBL-893 (also doing business as
LendingTreePartners.com, GetSmart®, and GetSmart.com).

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

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

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

Idaho Prepayment Penalty Disclosure: If you, the borrower, pay off or refinance
your mortgage loan before the date for repayment stated in the loan agreement,
you may be charged a prepayment penalty. A prepayment penalty charge may be
significant. Prior to signing any documents, make sure you fully understand the
prepayment charge provisions outlined in your loan agreement.

Interest Rate Lock Information: An interest rate that is not locked in is
subject to change. LendingTree does not lock interest rates, only a Lender may
provide such action and it increase your rate and/or cause additional fees to be
assessed, make sure you fully understand the interest rate lock information in
your loan agreement.

Illinois
Illinois Residential Mortgage Licensee No. MB.0005433.

If your loan request is forwarded to our participating Lenders, a Borrower
Information Document may be provided to you by the Lender you select pursuant to
the Residential Mortgage License Act of 1987 and Rules promulgated thereunder
(38 Ill. Adm. Code 1050). The purpose of that Document is to set forth those
exhibits and materials you should receive or be receiving in connection with
your residential mortgage loan application with the Lender based on your request
to LendingTree, holder of License No. MB.0005433, and regulated by the State of
Illinois, Division of Banking, under the aforesaid Act. You may also receive
from the Lender you select a list of documents and materials you are required to
complete for your formal loan application (generally referred to as a Form 1003)
with the Lender.

Loan Brokerage Agreement and Broker Disclosure Statement

LendingTree, LLC is a Delaware limited liability company with its corporate
headquarters located at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203.
Any reference in this Licenses and Disclosures to “we” or “us” or similar words
shall refer to LendingTree, LLC unless otherwise indicated, all such entities
referred to as “LendingTree”. Any reference in Licenses and Disclosures to “you”
or “your” means the person(s) using the LendingTree Websites (as defined in the
Terms of Use Agreement), and/or the good, facilities or services of LendingTree
offered through alternative methods. LendingTree is a marketing lead generator,
required to be licensed as a Mortgage Broker or other state license designation.
LendingTree DOES NOT take mortgage applications, originate, service, make loans
or credit decisions in connection with loans, nor does LendingTree issue
commitments or lock-in agreements. LendingTree’s services are only
administrative. Any loan inquiry you submit is NOT an application for credit.
Rather, it is an inquiry to be matched with Lenders to receive condition loan
offers from Lenders. You may have to complete an application with a Lender
before they will extend an unconditional offer. A Lender you select may require
you to pay an application or other fee to cover the costs of an appraisal,
credit report or other items. The Lender, not LendingTree, will determine the
amount of any such fee and should provide information to you regarding the
refundability of any such fee. LendingTree, LLC does not endorse or recommend
the products of any particular Lender. Except as otherwise provided for your
state, LendingTree, LLC is not an agent of you or any Lender. You should rely on
your own judgment in deciding which available loan product, terms and Lender
that best suits your personal financial requirements. The Lender is solely
responsible for its services to you, and you agree that LendingTree, LLC shall
not be liable for any damages or costs of any type arising out of, or in any way
connected with, your use of such services. You understand that Lenders may keep
your loan request information and any other information provided by LendingTree,
LLC or received by them in the processing of your loan request, whether or not
you are qualified for a loan with them or if you make a loan with them. In
addition, LendingTree, LLC may receive personally identifiable information
regarding the disposition of your loan from the Lender in order to fulfill its
regulatory requirements as well as for internal business purposes. You agree to
notify any particular Lender directly if you no longer want to receive
communications.

Notice to Prospective Borrower(s): You, or your attorney, are entitled to a copy
of this agreement prior to signing or agreeing. Under Illinois law, if a RMLA
licensee makes false or misleading statements in a loan brokerage agreement, the
borrower may, upon written notice: (1) void the agreement; (2) recover any
monies paid to the broker for which no services have been performed; and (3)
recover actual costs, including attorneys’ fees for enforcing the borrower’s
rights under the loan brokerage agreement.

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

Illinois Department of Financial & Professional Regulation
Division of Banking
100 West Randolph St., 9th Floor
Chicago, IL 60601
(312) 793-7090

Indiana
Indiana-SOS Loan Broker License No. 1136 (also doing business as
LendingTreePartners.com, GetSmart®, and GetSmart.com).

LendingTree is licensed under the laws of the state of Indiana and by state law
is subject to the regulatory oversight by the Indiana Secretary of State’s
Securities Division. Any consumer wishing to file a complaint against or inquiry
regarding the registration status of LendingTree should contact the securities
division through one of the means listed below:

By U.S. Mail:
302 W. Washington St.
Room E-111
Indianapolis, IN 46204

By Telephone: 1-800-223-8791
By Internet: http://www.in.gov/sos/securities/index.html

Iowa
Iowa Mortgage Broker License No. 741 (also doing business as well as
LendingTreePartners.com, License No. 2014-0100).

Kansas
Kansas Mortgage Company License No. MC.0002279.

LendingTree is a Marketing Lead Generation Company 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
company by delivering a written statement to the Office of the State Bank
Commissioner, 700 Jackson, Suite 300, Topeka, KS 66603.

Kentucky
Kentucky Mortgage Broker License No. MB17994 (also doing business as GetSmart®,
GetSmart.com, and LendingTree Partners.com).

LendingTree is not acting as an agent for you in your request to obtain a
mortgage loan before any personal financial information may be obtained by the
mortgage loan broker.

Louisiana
Louisiana Residential Mortgage Lending License No. 189 (also doing business as
GetSmart®, GetSmart.com, and LendingTree Partners.com).

The state of Louisiana has not reviewed and 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, consult with an attorney
before you sign a loan contract.

Maine
Maine Loan Broker License No. 1136 (also doing business as LendingTree
Partners.com, GetSmart®, and GetSmart.com).

Maine law requires that the disclosures below be provided to consumers before
any contact 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.
LendingTree will not act as your lender or credit provider. LendingTree 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.

LendingTree provides mortgage information at no cost to you. LendingTree will
not charge or seek fees of any kind from you. LendingTree 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 LendingTree. 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
LendingTree 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. 4737; NMLS ID #1136.

LendingTree does not accept or solicit any fees or payments from consumers. If
you submit a loan request to LendingTree and your loan request is forwarded to
our participating Lenders, you may be issued a Financing Agreement by Lenders in
accordance with Maryland Commercial Law Code §§ 12-125, -1013. This Financing
Agreement must 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
that will apply to the loan 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 or the seller, or both; and (5)
the term during which the Financing Agreement remains in effect.

Massachusetts
Massachusetts Mortgage Broker License No. MB1136 (also doing business as
GetSmart® and LendingTree Partners.com).

Massachusetts Small Loan Company License No. SL0533.

LendingTree arranges but does not make loans.

If your loan request is forwarded to our participating Lenders, be advised that
under Massachusetts General Law ch. 184, § 17B: (1) the responsibility of the
attorney for the Lender is to protect the Lender’s interests, and (2) you may,
at your own expense, engage an attorney of your selection to represent your
interests in the transaction.
The federal Equal Opportunity Act and comparable provisions of Massachusetts law
prohibit creditors from discriminating against credit applicants on the basis of
race, color, religion, creed, national origin, sex, sexual orientation,
ancestry, handicap, marital status, age (provided that the applicant has the
capacity to enter into a binding contract), or because all or part of the
applicant’s income derives from any public assistance program. The federal Equal
Credit Opportunity Act also prohibits creditors from discriminating against
credit applicants because the applicant has in good faith exercised any right
under the Consumer Credit Protection Act.

The state agency that administers compliance with the state law is the:
Massachusetts Commission Against Discrimination
One Ashburton Place
Boston, Massachusetts 02108

Michigan
Michigan 1st Mortgage Broker License No. FL0016258 (also doing business as
GetSmart®, GetSmart.com, and LendingTree Partners.com).
Michigan 2nd Mortgage Broker Registrant No. SR0016259 (also doing business as
GetSmart®, GetSmart.com, and LendingTree Partners.com).

Minnesota
Minnesota Residential Mortgage Originator License No. MN-MO-40127258 (also doing
business as GetSmart®, GetSmart.com, and LendingTree Partners.com; License Nos.
MN-MO-1136.1, MN-MO-1136.2, MN-MO-1136.3).

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

The information on this Website 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 No. 1136 (also doing business as GetSmart® and
GetSmart.com).

As required by Mississippi law, LendingTree has secured a bond issued by Marsh
USA Inc., a surety company authorized to do business in this state. A certified
copy of this bond is filed with the Mississippi Commissioner of Banking and
Consumer Finance.

As a borrower you are protected under the Mississippi S.A.F.E. Mortgage Act.

Complaints against a licensee may be made by contacting the:
Mississippi Department of Banking and Consumer Finance
PO Drawer 12129
Jackson, MS 39236-2129

Missouri
Missouri Mortgage Company License No. 21-1261, 727 N. First Street, Suite 310,
Saint Louis, Missouri 63102 (also doing business as GetSmart®, GetSmart.com, and
LendingTree Partners.com).

Loan Brokerage Agreement and Loan Broker Disclosure Statement

NOTICE TO CONSUMER: Do not sign this agreement before you read it. You, or your
attorney, are entitled to a copy of this agreement. The below is provided
pursuant to the Residential Mortgage Brokers License Act and related rules.
LendingTree, LLC (formerly known as LendingTree, Inc.) is regulated by the
Missouri Commissioner of Finance whose phone number is (573) 751-3242. Your
Lender will provide you with any additional required documentation.

LendingTree, LLC, formerly known as LendingTree, Inc., is a Delaware limited
liability company with its corporate headquarters in Charlotte, North Carolina.
LendingTree is a marketing lead generator, required to be licensed as a Mortgage
Broker. LendingTree does not take applications, make loans or credit decisions
in connection with loans, nor does LendingTree issue commitments or lock-in
agreements. LendingTree’s services are only administrative. Any loan inquiry you
submit is NOT an application for credit. Rather, it is an inquiry to be matched
with Lenders to receive condition loan offers from Lenders. You may have to
complete an application with a Lender before they will extend an unconditional
offer. A Lender you select may require you to pay an application or other fee to
cover the costs of an appraisal, credit report or other items. The Lender, not
LendingTree, will determine the amount of any such fee and should provide
information to you regarding the refundability of any such fee. LendingTree, LLC
does not endorse or recommend the products of any particular Lender. Except as
otherwise provided for your state (please see the Licenses and Disclosures
section of the Websites),
LendingTree, LLC is not an agent of you or any Lender. LendingTree, LLC’s
services are only administrative. You should rely on your own judgment in
deciding which available loan product, terms and Lender best suits your needs
and financial means. The Lender is solely responsible for its services to you,
and you agree that LendingTree, LLC shall not be liable for any damages or costs
of any type arising out of or in any way connected with your use of such
services. You understand that Lenders may keep your loan request information and
any other information provided by LendingTree, LLC or received by them in the
processing of your loan request, whether or not you are qualified for a loan
with them or if you make a loan with them. You agree to notify any particular
Lender directly if you no longer want to receive communications.

LendingTree will perform the following services for you: (1) make loan request
forms available to you; (2) transmit your completed loan request to Lenders; (3)
offer you access to general educational information concerning home financing
including glossaries, articles, and calculators; and (4) send you the initial
loan offers from Lenders responding to your loan request. If your loan request
is forwarded to our participating Lenders, you will receive from the Lenders a
good faith estimate of the settlement costs in connection with your loan in
accordance with applicable law.

This agreement is dated as of the date you submit your loan request. Please
print and retain a copy of this agreement and the Loan Information Page for your
records.

Montana
Montana Mortgage Broker License No. 1097 (also doing business as GetSmart®,
GetSmart.com, and LendingTree Partners.com).

Nebraska
Nebraska Mortgage Banker License No. 1517 (also doing business as GetSmart®,
GetSmart.com, and LendingTree Partners.com).

Nevada
Nevada Mortgage Company License No. 1698 (also doing business as LendingTree
Partners.com).
Nevada Business ID NV20051235630, Entity No. E0043732005-7.
Las Vegas Business License No. P50-02291.

New Hampshire
Licensed by the New Hampshire Banking Department. Mortgage Broker License No.
14208-MBR (also doing business as GetSmart®, GetSmart.com, and LendingTree
Partners.com).
New Hampshire Small Loan Lender License No. 23645-SM

New Jersey
New Jersey Residential Mortgage Broker License No. 0801779 (also doing business
as GetSmart®, GetSmart.com, and LendingTree Partners.com).

LendingTree does not make mortgage loans or commitments or fund any mortgage
loans and cannot guarantee acceptance into any particular loan program, nor
promise any specific loan terms or conditions.

New Mexico
New Mexico Mortgage Loan Company License No. 00395.
New Mexico Small Loan Company License No. 02048 

IMPORTANT CONSUMER INFORMATION

This brochure 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. The calculation of APR is mandated pursuant to Federal Law (12
CFR Part 1026 – Truth in Lending Act (“TIL-APR”)). 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, an additional type of annual percentage rate
(“NM-APR”) must be disclosed, which may include additional charges that are not
included in the TIL-APR. The NM-APR for a loan of more than $500 and up to
$10,000 made pursuant to the Small Loan Act of 1955 or the Bank Installment Loan
Act of 1959 cannot exceed thirty-six percent. The NM-APR for a loan in an amount
of $500 or less made pursuant to the Small Loan Act of 1955 or the Bank
Installment Loan Act of 1959 cannot exceed thirty-six percent plus a fee that
shall not exceed five percent of the total principal of the loan and shall not
be imposed on any borrower more than once per twelve-month period.

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.

New Mexico Only: This lender 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/.

LOAN RATES AND FEES

BELOW IS GENERAL INFORMATION REGARDING ALL RATES AND FEES THAT WILL ASSIST YOU
IN MAKING YOUR LOAN DECISION. IF YOU HAVE ANY QUESTIONS, OR WOULD LIKE MORE
INFORMATION, PLEASE ASK. MAKE CERTAIN THE QUESTIONS THAT YOU ASK ARE ANSWERED.
MAKE CERTAIN YOU UNDERSTAND THE TERMS AND COSTS OF YOUR LOAN.

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.

Your actual terms and the APR will be determined at the time your application is
submitted and will be based upon your application and credit information. Not
all applicants will qualify for the lowest rate.

The calculation of APR is mandated pursuant to Federal Law (12 CFR Part 1026 –
Truth in Lending Act (“TIL-APR”)). 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, an additional type of annual percentage rate (“NM-APR”) must be
disclosed, which may include additional charges that are not included in the
TIL-APR. The NM-APR for a loan in an amount of more than $500 and up to $10,000
made pursuant to the Small Loan Act of 1955 or the Bank Installment Loan Act of
1959 cannot exceed thirty-six percent. The NM-APR for a loan in an amount of
$500 or less made pursuant to the Small Loan Act of 1955 or the Bank Installment
Loan Act of 1959 cannot exceed thirty-six percent plus a fee that shall not
exceed five percent of the total principal of the loan and shall not be imposed
on any borrower more than once per twelve-month period.

TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL:
Compliance Officer, 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203;
704-541-5351; compliance@lendingtree.com.

New Mexico Only: This lender 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/.

New York
LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage
Broker– NYS Department of Financial Services License No. RMB 203926 – Broker
arranges mortgage loans with third-party providers with offices at 1415 Vantage
Park Drive, Suite 700, Charlotte, NC 28203 (also doing business as GetSmart®,
GetSmart.com, and LendingTree Partners.com).

Disclosures: LendingTree does not make mortgage loans or commitments; cannot
guarantee acceptance into any particular loan program, nor promise any specific
loan terms or conditions; is paid by the Lender for its services; and does not
charge you any fee for its services. Certain mortgage loan products impose a
prepayment penalty on the borrower and the amount of, or the formula for
calculating, the prepayment penalty, if any, and the terms of the prepayment
penalty, if any, will be disclosed to the borrower by the Lender as soon as they
are known, but no later than the issuance of the commitment (if any), for the
loan product chosen by the borrower.

You understand that you may address questions or comments about your loan
request by calling 877.466.0544, or by electronic mail to
customercare@lendingtree.com.

North Carolina
North Carolina Mortgage Broker License No. B-113401 (also doing business as
GetSmart®, GetSmart.com, and LendingTree Partners.com).

LendingTree does not make mortgage loans or commitments. Nor can LendingTree
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 the costs of an appraisal, credit report or other
items. The amount of the fee will be determined by the Lender. The documentation
you receive will include information on the refundability of any fees paid.

North Dakota
North Dakota Money Broker License No. MB100817 (also doing business as
LendingTree Partners.com).

NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF FINANCIAL
INSTITUTIONS, 1200 MEMORIAL HIGHWAY, BISMARCK, NORTH DAKOTA 58504.THE DEPARTMENT
OF 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 FINANCIAL INSTITUTIONS.

If your loan request is forwarded to one or more participating Lenders, you will
receive from the Lenders detailed information about your loan, including the
loan amount, interest rate, points, fees, and other terms.

Ohio
Ohio Residential Mortgage Lending Act Certificate of Registration No.
RM.802159.000, 37812 2nd Street, Willoughby, OH 44094.

Notice: The Ohio laws against discrimination require that all creditors make
credit equally available to all credit worthy customers, and that credit
reporting agencies maintain separate credit histories on each individual upon
request. The Ohio civil rights commission administers compliance with this law.

If you believe a lender has violated this law, contact:
Toll-free: 800-282-0515 Local: 614-466-4986
Ohio Attorney General
30 E. Broad St., 14th Floor
Columbus, OH 43215

Oklahoma
Oklahoma Mortgage Broker License No. MB002490 (also doing business as GetSmart®,
GetSmart.com, and LendingTree Partners.com; License Nos. MB002494, MB010640).
Oklahoma Credit Services Organization License No. CSO 00394.

Information Statement
LendingTree, LLC Main Office
1415 Vantage Park Drive, Suite 700
Charlotte, NC 28203

Oklahoma Office
1699 W. 4th St.
Tahlequah, OK 74464

LendingTree is required by Oklahoma law to provide the information statement
below before the execution of a contract or before the receipt of any money or
other valuable consideration, whichever occurs first.

1. You have the right to review any file maintained by any consumer credit
reporting agency, as provided under the Federal Fair Credit Reporting Act, 15
U.S.C. §§ 1681 through 1681x.

2. You have the right to review the above-mentioned file at no charge if a
request is made to the consumer credit reporting agency within thirty (30) days
after receiving notice that credit has been denied. If credit was not denied,
the credit reporting agency may charge a reasonable fee to review such file.

3. You have the right to dispute the completeness or accuracy of any item
contained in your file which is maintained by a consumer credit reporting
agency.

4. The following paragraphs describe LendingTree’s fees and services:

a. LendingTree is a marketing lead generator, required to be licensed as a
Mortgage Broker. LendingTree does not take applications, make loans or credit
decisions in connection with loans, nor does LendingTree issue commitments or
lock-in agreements. LendingTree’s services are only administrative. Any loan
inquiry you submit is NOT an application for credit. Rather, it is an inquiry to
be matched with Lenders to receive condition loan offers from Lenders. You may
have to complete an application with a Lender before they will extend an
unconditional offer. A Lender you select may require you to pay an application
or other fee to cover the costs of an appraisal, credit report or other items.
The Lender, not LendingTree, will determine the amount of any such fee and
should provide information to you regarding the refundability of any such fee.
LendingTree, LLC does not endorse or recommend the products of any particular
Lender. Except as otherwise provided for your state (please see the Licenses and
Disclosures section of the Websites), LendingTree, LLC is not an agent of you or
any Lender. LendingTree, LLC’s services are only administrative. You should rely
on your own judgment in deciding which available loan product, terms and Lender
best suits your needs and financial means. The Lender is solely responsible for
its services to you, and you agree that LendingTree, LLC shall not be liable for
any damages or costs of any type arising out of or in any way connected with
your use of such services. You understand that Lenders may keep your loan
request information and any other information provided by LendingTree, LLC or
received by them in the processing of your loan request, whether or not you are
qualified for a loan with them or if you make a loan with them. You agree to
notify any particular Lender directly if you no longer want to receive
communications. LendingTree will perform the following services for you: (1)
make loan request forms available to you; (2) transmit your completed loan
request to participating Lenders in our network; (3) offer you access to general
educational information concerning home financing including glossaries,
articles, and calculators; and (4) send you the initial loan offers from Lenders
responding to your loan request. If your loan request is forwarded to our
participating Lenders, you will receive from the Lenders a good faith estimate
of the settlement costs in connection with your loan in accordance with
applicable law.

b. LendingTree does not charge you, the consumer, a fee to use our services.
LendingTree is paid by its participating Lenders for the goods, facilities and
services provided.

c. If your loan request is forwarded to our participating Lenders, you may be
required by the Lender you select to pay an application fee to cover the costs
of an appraisal, credit report or other items. The amount of the fee will be
determined by the Lender. The documentation you receive will include information
on the refundability of any fees paid.

d. LendingTree does not endorse, recommend, or favor the products of any
participating Lender. LendingTree is not an agent of you or any participating
Lender. LendingTree’s services are administrative and consultative only. You
should rely on your own judgment in deciding which available loan product best
suits your needs and financial means. You are under no obligation to use
LendingTree to commence the financing process, and LendingTree, does not
guarantee that completing a loan request will result in your receiving a loan
from one of our participating Lenders.

e. You have the right to proceed against the bond that LendingTree is required
to maintain. The name and address of the surety bond company that issued the
bond is Marsh USA Inc., 1111 Northshore Dr., Ste. N-550, Knoxville, TN 37919.

Your submission of a loan request will serve as acknowledgement of your receipt
of the above Information Statement.

Agreement
This agreement is made between you, the Buyer and LendingTree, LLC
(“LendingTree”). This agreement is dated the date of your loan request to
LendingTree. By submitting the loan request, you consent, acknowledge, and agree
to the terms of this agreement.

1. LendingTree is a marketing lead generator, required to be licensed as a
Mortgage Broker. LendingTree does not take applications, make loans or credit
decisions in connection with loans, nor does LendingTree issue commitments or
lock-in agreements. LendingTree’s services are only administrative. Any loan
inquiry you submit is NOT an application for credit. Rather, it is an inquiry to
be matched with Lenders to receive condition loan offers from Lenders. You may
have to complete an application with a Lender before they will extend an
unconditional offer. A Lender you select may require you to pay an application
or other fee to cover the costs of an appraisal, credit report or other items.
The Lender, not LendingTree, will determine the amount of any such fee and
should provide information to you regarding the refundability of any such fee.
LendingTree, LLC does not endorse or recommend the products of any particular
Lender. Except as otherwise provided for your state (please see the Licenses and
Disclosures section of the Websites), LendingTree, LLC is not an agent of you or
any Lender. LendingTree, LLC’s services are only administrative. You should rely
on your own judgment in deciding which available loan product, terms and Lender
best suits your needs and financial means. The Lender is solely responsible for
its services to you, and you agree that LendingTree, LLC shall not be liable for
any damages or costs of any type arising out of or in any way connected with
your use of such services. You understand that Lenders may keep your loan
request information and any other information provided by LendingTree, LLC or
received by them in the processing of your loan request, whether or not you are
qualified for a loan with them or if you make a loan with them. You agree to
notify any particular Lender directly if you no longer want to receive
communications. LendingTree will perform the following services for you: (1)
make loan request forms available to you; (2) transmit your completed loan
request to participating Lenders in our network; (3) offer you access to general
educational information concerning home financing including glossaries,
articles, and calculators; and (4) send you the initial loan offers from Lenders
responding to your loan request. If your loan request is forwarded to our
participating Lenders, you will receive from the Lenders a good faith estimate
of the settlement costs in connection with your loan in accordance with
applicable law.

2. LendingTree does not charge you, the consumer, a fee to use our service.
LendingTree is paid by its participating Lenders for the goods, facilities and
services provided. If your loan request is forwarded to our participating
Lenders, you may be required by the Lender you select to pay an application fee
to cover the costs of an appraisal, credit report or other items. The amount of
the fee will be determined by the Lender. The documentation you receive will
include information on the refundability of any fees paid.

3. LendingTree’s agent in Oklahoma is J. Kent Rountree with an address of 1699 W
4TH ST, Tahlequah, OK 74464. LendingTree’s agent for service of process is
InCorp Services, Inc. with an address in Oklahoma of 324 N. Robinson Ave., Suite
100, Oklahoma City, OK 73102. All correspondence to LendingTree should be sent
to 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203, Attn: Legal
Department.

This agreement is dated as of the date you submit your loan request.

NOTICE OF CANCELLATION
You may cancel this contract, without any penalty or obligation, within five (5)
days from the date the contract is signed.

If you cancel any payment made by you under this contract, it will be returned
within ten (10) days following receipt by the seller of your cancellation
notice.

To cancel this contract, mail or deliver a signed dated copy of this
cancellation notice, or any other written notice to LendingTree, LLC, the
operator of this website at 1415 Vantage Park Drive, Suite 700, Charlotte, NC
28203 not later than midnight on the day five (5) days after the date you submit
the loan request.

I hereby cancel this transaction.
Sign: ___________________
Print: ___________________
Date: ___________________

Oregon
Oregon Mortgage Lending License No. ML-1862 (also doing business as
LendingTreePartners.com).
Oregon Consumer Finance License No. 0420-001-C (also doing business as
LendingTreePartners.com).

Pennsylvania
Licensed by the Pennsylvania Department of Banking, Pennsylvania Mortgage Broker
License No. 20298 (also doing business as GetSmart®, GetSmart.com, and
LendingTreePartners.com).

If your loan request is forwarded to our participating Lenders, you may be
required by the Lender you select to pay an application fee to cover the costs
of an appraisal, credit report or other items. The amount of the fee will be
determined by the Lender. The documentation you receive will include information
on the refundability of any fees paid.

Variable Interest Rate Disclosure
On residential mortgage loans of $50,000 or less, if the Lender offers to give
you a mortgage with a variable interest rate, you are entitled by law to also be
offered a mortgage with an interest rate that will not change. By law, this
fixed interest rate mortgage must be offered to you at reasonably competitive
terms and rate. On variable interest loans, the Lender will explain to you how
the interest rate can change in the future, the effect of changes in the index
on the rate and term, and an explanation of the index.

Rhode Island
Rhode Island Loan Broker License No. 20062113LB (also doing business as LT
Technologies, LLC, GetSmart®, GetSmart.com, and LendingTree Partners.com).

South Carolina
Licensed by the South Carolina Department of Consumer Affairs, South Carolina
Mortgage Broker License No. MB-0504600 (also doing business LendingTree
Partners.com).

South Carolina Branch Location
LendingTree, LLC
1938 Candlewick Dr.
Fort Mill, SC 29715
803-389-8430
NMLS ID #234375

Mortgage Broker Fee Agreement for Financial Services
Notice to Prospective Borrower(s): Read this contract carefully so that you can
make an informed choice. You are entitled to a copy of this contract. Accepting
the terms of this contract does not obligate you to obtain a mortgage loan
through this mortgage broker, nor does it constitute mortgage loan approval.

Who do I Represent?
LendingTree, as your mortgage broker, is acting as your agent in providing
mortgage brokerage services. As your agent, LendingTree owes you a duty of the
utmost care, honesty, and loyalty, including full disclosure of all material
facts. LendingTree does not have an agency relationship with any other person.

LendingTree will provide you with multiple conditional loan offers through its
network of U.S. based Banks, thrifts, mortgage bankers and finance companies
(“Lenders”). LendingTree is a computerized loan originator. LendingTree does not
take applications, make loans or credit decisions in connection with loans, nor
does LendingTree issue commitments or lock-in agreements. LendingTree’s services
are only administrative. Any loan request you submit is NOT an application for
credit. Rather, it is a request to be matched with Lenders to receive
conditional loan offers from these Lenders. You may have to complete an
application with a Lender before they will extend an unconditional loan offer. A
Lender you select may require you to pay an application fee or other fee to
cover the costs of an appraisal, credit report or other items. The Lender will
determine the amount of any such fee and should provide information to you
regarding the refundability of any such fee.

Services to be Provided by Mortgage Brokerage Business
LendingTree will perform the following services for you: (1) make loan request
forms available to you; (2) transmit your completed loan request to Lenders; (3)
offer you access to general educational information concerning home financing
including glossaries, articles, and calculators; and (4) provide you with the
initial loan offers from Lenders responding to your loan request. Note: initial
loan offers are provided only when you complete a traditional (full-form)
LendingTree loan request. If you submit a complete loan application with any of
the Lenders, these Lenders will provide you with a good faith estimate of the
settlement costs in connection with your loan in accordance with applicable law.

Lender Payments to Broker Disclosure
I understand that, as compensation for its services, LendingTree will be paid as
follows:
LendingTree does not charge you a fee to use its service. LendingTree receives a
marketing lead generation fee, paid for by the Lender, of up to $215 and if you
close a home equity loan with the lender, a computerized loan originator fee of
up to $550 for the goods, facilities and services provided.

Co-Brokering
LendingTree does not co-broker loans in South Carolina.

Borrower Payments to Broker Disclosure
I understand that I am required to pay the following fees in connection with my
Loan Request to LendingTree:
____ Application Fee $ N/A
____ Appraisal Fee $ N/A
____ Credit Report Fee $ N/A

This Mortgage Broker Fee Agreement for Financial Services is dated as of the
date you submit your loan request and is valid for ninety (90) days. For loan
request information, including your name, the requested loan amount, lien
priority and the date of your loan request, please see the Loan Information Page
displayed prior to the submission of your loan request, which is incorporated
herein by reference. For interest rates and fees applicable to your loan
request, please see the Lender responses to your request.

Agency to Receive Borrower Complaints
The following agencies are designated to receive complaints or inquiries about
the origination and making of your mortgage:

Street Address
South Carolina Department of Consumer Affairs
293 Greystone Blvd., Ste. 400
Columbia, SC 29210

Mailing Address
P.O. Box 5757
Columbia, SC 29250

Phone
803-734-4200 or toll free in South Carolina only 1-800-922-1594

Please print and retain a copy of this information and the Mortgage Broker Fee
Agreement for Financial Services and the Loan Information Page for your records.

Applicant: Do not sign this form if spaces are left blank.
I acknowledge by submission of my loan request that I have received these
disclosures during the submission of my loan request and that I understand these
disclosures or will contact LendingTree if I have questions about these
disclosures. I understand that a copy of this disclosure will be maintained by
LendingTree. I voluntarily enter into this mortgage transaction.

This Mortgage Broker Fee Agreement for Financial Services is dated as of the
date you submit your loan request form through LendingTree’s website. By
submitting your loan request form, you acknowledge receipt of and that you have
read and understood this Mortgage Broker Fee Agreement for Financial Services.

Attention Borrowers: Know Your Rights!
This may be the largest and most important loan you get during your lifetime.
You should be aware of certain rights before you enter into any loan agreement.
1. You have the RIGHT to shop for the best loan for you and compare the charges
of different mortgage brokers and lenders.
2. You have the RIGHT to be informed about the total cost of your loan including
the interest rate, points, and other fees.
3. You have the RIGHT to ask for a Good Faith Estimate of all loan and
settlement charges before you agree to the loan and pay any fees.
4. You have the RIGHT to know what fees are not refundable if you decide to
cancel the loan agreement.
5. You have the RIGHT to ask your mortgage broker to explain exactly what the
mortgage broker will do for you.
6. You have the RIGHT to know how much the mortgage broker is getting paid by
you and the lender for your loan.
7. You have the RIGHT to ask questions about charges and loan terms that you do
not understand.
8. You have the RIGHT to a credit decision that is not based on your race,
color, religion, national origin, sex, marital status, age, or whether any
income is from public assistance.
9. You have the RIGHT to know the reason if your loan was turned down.
10. You have the RIGHT to ask for the HUD settlement costs booklet “Buying Your
Home.”
11. You have the RIGHT to request a copy of your settlement statement (Form
HUD-1 or 1-A) one day prior to your loan closing.

Buying Your Home and other helpful information is available at HUD’s WEB site:
https://www.hud.gov/topics/buying_a_home
For other questions call 1-800-569-4287.

South Dakota
South Dakota Foreign Corporation Entity No. FL002607.
South Dakota Mortgage Brokerage License No. MB.00027 (also doing business as
LendingTree Partners.com).

Tennessee
Tennessee Mortgage License No. 109266 (also doing business as GetSmart®,
GetSmart.com, and LendingTreePartners.com).
Tennessee Industrial Loan and Thrift Company Registration No. 166188.

At this time, LendingTree does not accept loan requests for auto, credit card or
personal loans from Tennessee residents, nor does LendingTree accept loan
requests for home equity loans secured by Tennessee property.

Texas
Texas SML Mortgage Company License, NMLS ID #1136.
Mr. Shan Guo’s Residential Mortgage Loan Originator No. 300978.
Address: 11500 State Highway 121, Ste. 410, Frisco, TX 75035.

RESIDENTIAL MORTGAGE LOAN ORIGINATOR DISCLOSURE

Designated Representative: Shan Guo
The information in this disclosure is provided to clarify the nature of our
relationship, my duties to you, and how I am to be compensated as a Residential
Mortgage Loan Originator. This disclosure is a requirement of the Texas Mortgage
Broker License Act. Since I am working for LendingTree, LLC, references to “we”
or “us” refer to me and LendingTree, LLC.

Duties and Nature of Relationship
We will be acting as follows: We will submit your loan request to a
participating Lender which we may from time to time contract upon such terms as
you may request or a Lender may require. In connection with this mortgage loan,
we are acting as an independent contractor and not as your agent. We will enter
into separate independent contractor agreements with various Lenders. While we
will seek to assist you in meeting your financial needs, we do not distribute
the products of all lenders or investors in the market and cannot guarantee the
lowest or best terms available in the market.

How LendingTree, LLC will be compensated
LendingTree, LLC will not charge you a fee to use its services. LendingTree, LLC
receives its compensation from the Lender for the goods, facilities and services
actually provided by LendingTree, LLC. These fees are paid by the Lender and are
not refundable under any conditions.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST LENDINGTREE, LLC 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 WEB SITE 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
COMPANY 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.

Utah
Utah DRE Mortgage Entity License No. 5489470-NMLC (also doing business as
LendingTreePartners.com; Utah DRE Mortgage Entity License-Other Trade Name #1
9022712).

Vermont
Vermont Mortgage Broker License No. 0055 MB (also doing business as GetSmart®,
GetSmart.com, and LendingTreePartners.com; License Nos. 1263 MB, 1264 MB).

LendingTree is acting in a brokerage capacity and will provide the following
services in connection with your loan: making loan requests available to you;
transmitting your completed loan request to participating Lenders in our
network; offering you access to general educational information concerning home
financing including glossaries, articles and calculators; sending you the
initial loan offers from Lenders responding to your loan request.

LendingTree represents your interests in the following ways: (1) LendingTree
shall accurately transmit the information provided by you in the loan request
form to Lenders that are authorized to conduct business in Vermont, (2)
LendingTree shall comply with applicable state and federal equal credit
opportunity and fair credit reporting acts, and (3) LendingTree shall safeguard
the privacy of your personal identifying information by adhering to our privacy
policy as published on our website. LendingTree does not otherwise represent the
interests of you or the participating Lenders. Our service is consultative only
and you should rely on your own judgment in deciding which loan product best
suits your needs and financial means. You are not relying on LendingTree to
select a loan product for you.

LendingTree does not charge you a fee to use the LendingTree service.

LendingTree receives fees from our participating Lenders for transmitting your
loan request to the Lenders and for closed loans that were originated through
the LendingTree service.

Virginia
Licensed by the Virginia State Corporation Commission, Virginia Mortgage Broker
License No. MC-1052 (also doing business as LendingTree of Delaware, LLC, and
LendingTreePartners.com).

Washington
Washington Mortgage Broker License No. MB-1136 (also doing business as
GetSmart®, GetSmart.com, and LendingTreePartners.com).

You are not required to use LendingTree’s computerized loan request services to
obtain a residential mortgage loan; and that the full range of loans available
as offered by Lenders may not be listed on LendingTree’s computerized loan
request services system, and different terms and conditions, including lower
rates, may be available from others not listed on the system.

If your loan request is forwarded to one or more participating Lenders you may
receive from the Lenders a good faith estimate of settlement costs under RESPA
and an initial disclosure statement required under the TILA.

The interest rate quoted in connection with the loan you select is subject to
change without notice unless and until an interest rate lock-in agreement has
been made between you and the Lender. LendingTree does not offer lock-in
agreements and does not guarantee any rate of interest quoted by a participating
Lender. If you enter a lock-in agreement with the Lender and are required to pay
a lock-in fee, the terms and conditions under which the lock-in fee may be
refunded, if any, will be set by the Lender.
LendingTree will not collect any fees from you in connection with your
completion of a loan request. All fees will be collected from and payable by the
Lender. If the Lender is licensed under the Mortgage Broker Practices Act, the
fees paid by you for third-party provider services (such as an appraisal or
credit report), may be held in a trust account and any moneys remaining after
the payment to third-party providers will be refunded to you.

If you are unable to obtain a loan for any reason, the Lender, if licensed under
the Mortgage Broker Practices Act, will, within five (5) days of a written
request by you, give copies to you of any appraisal, title report, or credit
report paid for by you, and transmit the original appraisal, title report, or
credit report to any other mortgage broker or lender to whom you direct.
Transmission of these reports includes the right to use these reports. You are
also entitled to receive a copy of any appraisal paid for by you, pursuant to
the federal Equal Credit Opportunity Act.

Washington state law against discrimination prohibits discrimination in credit
transactions because of race, creed, color, national origin, sex, or marital
status. The Washington State Human Rights Commission administers compliance with
this law.

West Virginia
West Virginia Mortgage Broker License No. MB-20020 (also doing business as
LendingTreePartners.com).

Wisconsin
Wisconsin Mortgage Broker License No. 2630BR (also doing business as
LendingTreePartners.com).

LendingTree provides mortgage services at no cost to you. LendingTree 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 LendingTree; 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.

LendingTree does not act as a lender or credit provider. LendingTree will
forward your loan request to participating Lenders and one or more Lenders will
provide you with their loan product offers. LendingTree does not distribute the
products of all lenders in the market and cannot guarantee the lowest price or
best terms available in the market.
LendingTree receives fees from participating Lenders and may be paid services,
goods or facilities performed or provided by us to the Lender.

Wyoming
Wyoming Mortgage Broker License No. 838 (also doing business as GetSmart®,
GetSmart.com, and LendingTreePartners.com).

Disclosures: LendingTree does not make any mortgage loans or issue mortgage
commitments. LendingTree cannot guarantee acceptance into any particular
mortgage loan program or promise any specific mortgage loan terms or conditions.
LendingTree does not charge you any fee for its services. LendingTree is paid a
fee by the Lender for its services.

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

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LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage
Broker, as required by law, with its main office located at 1415 Vantage Park
Drive, Suite 700, Charlotte, NC 28203 (TDD/TTY). NMLS Unique Identifier #1136.
LendingTree, LLC is known as LT Technologies in lieu of true name LendingTree,
LLC in NY. LendingTree technology and processes are patented under U.S. Patent
Nos. 6,385,594 and 6,611,816 and licensed under U.S. Patent Nos. 5,995,947 and
5,758,328. © 2023 LendingTree, LLC. All Rights Reserved. This site is directed
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