LEGAL

Disclosures

In accordance with the Equal Credit Opportunity Act, American Bancshares Mortgage, LLC does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); gender; sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law.

Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Applicants must qualify for all loans. “American Bancshares Mortgage” is a registered trademark of the American Bancshares Mortgage, LLC, a Florida Limited Liability company, 14261 Commerce Way, Suite 100,  Miami Lakes, FL 33016

STATE OF CALIFORNIA

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

STATE OF ILLINOIS – COMMUNITY REINVESTMENT NOTICE

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. “For licensing information, go to: www.nmlsconsumeraccess.org Illinois Department of Financial and Professional Regulation, Division of Banking, 555 West Monroe Street, 5thFloor, Chicago, IL 60661, 1-888-473-4858

STATE OF MASSACHUSETTS

Massachusetts Mortgage Lender and Mortgage Broker MC217378.

STATE OF NEW YORK

Licensed Mortgage Banker – NYS Department of Financial Services.

STATE OF RHODE ISLAND

Rhode Island Licensed Lender, Rhode Island Licensed Loan Broker and Rhode Island Licensed Third-Party Loan Servicer.

STATE OF TEXAS

In Texas – consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 n. Lamar, suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov.a toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.