TG REALTY GROUP INC

Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to this application will be secured by a mortgage or deed of trust on the property described; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan.

NMLS & SAFE ACT DISCLOSURE — TG Realty Group Inc, NMLS #2013314. Licensed Mortgage Loan Originator. In compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), all mortgage loan originators are required to be registered or licensed through the Nationwide Multistate Licensing System (NMLS). You may verify our license status at www.nmlsconsumeraccess.org (NMLS #2013314).

🏠 EQUAL HOUSING LENDER — TG Realty Group Inc is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, familial status, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from a public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance is the Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20552.

IMPORTANT NOTICE TO APPLICANTS (ECOA) — Federal law (the Equal Credit Opportunity Act, 15 U.S.C. §1691 et seq.) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or 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. If your application for credit is denied, you have the right to a written statement of the specific reasons for the denial within 30 days of your request.

USA PATRIOT ACT NOTICE (31 U.S.C. §5318) — To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

TRUTH IN LENDING / RESPA DISCLOSURE (TRID) — In accordance with the Truth in Lending Act (TILA, Regulation Z) and the Real Estate Settlement Procedures Act (RESPA, Regulation X), you will receive a Loan Estimate within three business days of submitting a completed loan application. The Loan Estimate will detail your estimated interest rate, monthly payment, closing costs, and other key terms. A Closing Disclosure will be provided at least three business days before closing. These disclosures are provided for informational purposes; this application is not a commitment to lend and does not guarantee approval at any specific rate or terms.

INFORMATION DISCLOSURE & PRIVACY (GLBA) — By submitting this application, you authorize TG Realty Group Inc (NMLS #2013314) to: (a) verify the information provided in this application and obtain credit reports for the purpose of evaluating your loan request; (b) share your information with third-party service providers, including lenders, underwriters, appraisers, title companies, and closing agents, as necessary to process your loan; (c) retain this application and all supporting documentation in accordance with federal and state record retention requirements. Your nonpublic personal information will be handled in accordance with our Privacy Policy and the Gramm-Leach-Bliley Act (GLBA, 15 U.S.C. §6801 et seq.), which provides for safeguarding your financial information. You have the right to opt out of certain information sharing as described in our Privacy Policy.

CREDIT AUTHORIZATION — By signing below, I/we authorize TG Realty Group Inc to obtain my/our credit report from one or more consumer reporting agencies (such as Equifax, Experian, or TransUnion). I/we understand that this authorization will remain in effect for 120 days from the date of signature. I/we further authorize TG Realty Group Inc to verify employment, bank deposits, and any other information necessary to process this loan application. I/we understand that this credit inquiry may affect my/our credit score.

CALIFORNIA STATE DISCLOSURES

California Department of Financial Protection and Innovation (DFPI): TG Realty Group Inc is licensed by the California Department of Financial Protection and Innovation under the California Finance Lenders Law (CFL) and/or the California Residential Mortgage Lending Act (CRMLA). California DRE License #02046011.

Right to Denial Statement (Cal. Civ. Code §1787.3): If your application for credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact TG Realty Group Inc at (818) 422-9015 within 60 days from the date you are notified of our decision. We will send you a written statement of reasons for the denial within 30 days of receiving your request.

California Privacy Rights: Under the California Consumer Privacy Act (CCPA/CPRA), California residents have the right to know what personal information is collected and how it is used. For details, see our Privacy Policy.

Complaints: If you have concerns about our services, you may contact the California DFPI at 1-866-275-2677 or dfpi.ca.gov.

⚠ IMPORTANT: This application is not a commitment to lend. Not all applicants will qualify. All loan programs, interest rates, terms, and conditions are subject to change without notice and may vary by applicant qualifications, property type, and market conditions. TG Realty Group Inc does not guarantee any specific rate, term, or loan approval. Loan approval is subject to verification of application information, property appraisal, underwriting, and investor guidelines.

ELECTRONIC SIGNATURE CONSENT (E-SIGN Act) — In accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN, 15 U.S.C. §7001), by typing your name below, you agree that your electronic signature is the legal equivalent of your manual/handwritten signature on this application. You consent to be legally bound by this application's terms and representations, and to receive disclosures and communications electronically. You may withdraw consent to electronic communications at any time by contacting us at (818) 422-9015.