In accordance with the Equal Credit Opportunity Act, 1st 2nd Mortgage Company of N.J., Inc. 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); 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. Borrowers must qualify at closing for all benefits. “1st 2nd Mortgage Company of N.J., Inc.” is a registered trademark of the 1st 2nd Mortgage Company of N.J., Inc. 50 Spring Street, Cresskill, NJ 07626 NMLS #115981

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Disclosures

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Texas Residential Mortgage Loan Disclosure Notice

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The following disclosure notice only applies to residential mortgage loans on real estate located in Texas.

Complaints regarding the servicing of your mortgage should be sent to:

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The Department of Savings and Mortgage Lending

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2601 North Lamar Suite 201

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Austin, TX 78705

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A toll-free consumer hotline is available at 1-877-276-5550.

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A complaint form and instructions may be downloaded and printed from the Department’s website located at www.sml.texas.gov or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at smlinfo@sml.texas.gov.