Disclosures and Licenses (updated as of October 28, 2008)

GetSmart
c/o LendingTree, LLC
11115 Rushmore Dr.
Charlotte, NC 28277
1-800-GETSMART

E-mail: gscontact@lendingtree.com

General. LendingTree, LLC is a Delaware limited liability company with its corporate headquarters in Charlotte, North Carolina. 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 computerized loan originator for mortgage loans performing computerized loan origination services for lenders and provides other services for non-mortgage loans. LendingTree is not a lender, auto lessor or credit card issuer. LendingTree does not take applications, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements. Except as otherwise provided below for your state, LendingTree is not an agent of you, any participating bank, lender, mortgage broker or loan broker (we refer to all of these as "Lenders" or "Lender") or any third-party provider ("Provider"). LendingTree's services are only administrative. You should rely on your own judgment in deciding which available product and Lender or Provider best suits your needs and financial means. You are under no obligation to use LendingTree to commence the matching and request process and LendingTree does not guarantee that completing a request will result in you being matched with a Lender or Provider, receiving an offer from a Lender or Provider, or receiving a loan or service from a Lender or Provider.

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. Computerized loan origination fees paid by the Lender may be included in your rate, points or term and will be shown on your settlement statement. Although some state licensing laws treat fees paid in exchange for computerized loan origination 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 an 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 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.

Federal Disclosures. Any loan request will be forwarded to Lenders and these Lenders 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; 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 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, may include the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

About LendingTree Loans

Your loan request may be matched with Home Loan Center, Inc., which also does business under the names LendingTree Loans, Home Loan Center, Inc. dba LT Loans, Home Loan Center USA, Inc. and Loan Center, Inc., LT Loans or Online Home Center (depending on the state), a wholly owned subsidiary of LendingTree, LLC. Home Loan Center/LendingTree Loans is a licensed mortgage lender/broker authorized to do business in every state. Home Loan Center/LendingTree Loans specializes in certain types of consumer loan requests. Home Loan Center/LendingTree Loans makes loans and earns fees for its services separate from LendingTree, LLC. You may be matched with Home Loan Center as one of your competing lenders or LendingTree Loans as your only lender. LendingTree Loans has the ability to provide you with multiple offers without you having to talk directly with different lenders and loan officers. Please see the Terms of Use Agreement for more information on the LendingTree Loans process. If you happen to be matched with Home Loan Center/LendingTree Loans, they will provide you with their licensing information upon request and as required by law.

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 and Disclosures

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

Alabama

Alabama Mortgage Brokers License No. MB8694

Arizona

Arizona Mortgage Broker License No. MBBR-0102663

Arkansas

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

California

LendingTree, Inc., California Finance Lender License No. 6037234

LT Real Estate, Inc., dba LT Realty Services, Real Estate broker, California Department of Real Estate (Department telephone number 1.916.227.0931), License No. 1478246. William Peter Yeager is the Designated Officer. Also doing business as RealEstate.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 required under RESPA and an initial disclosure statement required under the TILA, each within three business days from the date you submit an application with the 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 days, a free copy of your consumer credit report from the credit reporting agency which 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.

DISCLOSURE AND FEE ACKNOWLEDGMENT

You understand that as compensation for its services, LendingTree may receive a matching fee for matching me with a Lender and a computerized loan origination fee from the Lender upon the closing of your loan. The actual amount of LendingTree’s fee should be disclosed on the Good Faith Estimate you will receive from the Lender after your loan application is submitted. This is the total compensation LendingTree will receive from the Lender for its services related to the closing of your loan and is paid by the Lender. You acknowledge that this fee will be paid to LendingTree outside of closing and that there is no other mortgage broker fee agreement between you and LendingTree.

THE HOUSING FINANCIAL DISCRIMINATION (HOLDEN) 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 of 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; 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 geographical 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 Real Estate
2201 Broadway
P.O. Box 187000
Sacramento, CA 95808-7000

Department of Corporations
320 West 4th Street
Suite 750
Los Angeles, CA 9001301105

Connecticut

Connecticut First Mortgage Broker Only License No. 4164
Connecticut Second Mortgage Broker Only License No. 4162

LendingTree is a BROKER ONLY, NOT A LENDER.

District of Columbia

Government of the District of Columbia Mortgage Broker License No. MLB 3658 (doing business as 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 FEE FROM THE LENDER. IF YOU ALSO USE LENDINGTREE’S REAL ESTATE NETWORK, LENDINGTREE MAY RECEIVE AN ADDITIONAL FEE IN CONNECTION WITH THE SALE OR PURCHASE OF THE REAL ESTATE THAT WILL SECURE THE LOAN. LENDINGTREE DOES NOT REPRESENT ALL OF THE LENDERS IN THE MARKET, AND THE LENDERS LENDINGTREE 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 ACKNOWLEDGE HAVING READ AND UNDERSTOOD THIS DISCLOSURE OF DUAL CAPACITY AND HAVING RECEIVED A COPY HEREOF.

Florida

Florida Correspondent Mortgage Lender License No. CL 0701088

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 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 License No. 12989

Hawaii

Hawaii Mortgage Broker License No. MB 1066

Idaho

Idaho Mortgage Broker/Lender License No. MBL-893

LendingTree does not act as a lender or credit provider. LendingTree will pass along the information you submit to our Lenders and 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 charge. 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.

Illinois

Illinois Residential Mortgage License 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. You may also receive from the Lender you select a list of documents and materials required to complete your loan application with the Lender.

Loan Brokerage Agreement and Broker Disclosure Statement

LendingTree, LLC, a Delaware limited liability company, is a mortgage broker and not a lender. LendingTree provides mortgage information at no cost to you. LendingTree will not accept, charge or seek fees of any kind from you. LendingTree will transmit your request for information to our Lenders and the Lenders will contact you with their offers. LendingTree does not distribute the products of all Lenders and therefore cannot guarantee the lowest price or best terms available in the market. LendingTree receives fees from lending partners based on the services, goods or facilities performed or provided by us to the Lenders. LendingTree cannot guarantee acceptance into any particular loan program or promise you any specific loan terms or conditions. The Lender you select will provide the funds for your loan, and is responsible for the availability of those funds.

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 and Professional Regulation
Division of Banking
122 S. Michigan Avenue, Suite 1900
Chicago, IL 60603
(312) 793-3000

Indiana

Indiana Loan Broker License No. 97-0198 LB

Kansas

Kansas Mortgage Company License No. 1999-0827

LendingTree is a mortgage business registered 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 Jackson, Suite 300, Topeka, KS 66603.

Kentucky

Kentucky Mortgage Loan Broker License No. MB17994 (also doing business as GetSmart, GetSmart.com and RealEstate.com)

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

Louisiana

Louisiana Residential Mortgage Lender License No. RML 189-0

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, see an attorney before you sign a loan contract.

Maine

Maine Loan Broker No. CSO6321

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 acknowledge reading and receiving 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 Lenders License No. 4737

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 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.

Massachusetts

Massachusetts Mortgage Broker License No. MB1942
Massachusetts Small Loan Company License No. SL0533

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 a Lender is to protect the Lender’s interests, (2) you have the right to engage your own attorney to represent your interest in the transaction, at your expense, (3) the approximate expiration date of the Note (see your Loan Information Page for the term of your loan), and (4) please be aware that as of the expiration date of the Note, the Lender may demand payment of the Note, may rewrite the Note by agreement at a greater or lesser rate of interest, or may, by agreement, allow payments to be made on the Note at the same, or a lesser or greater rate of interest.

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 First Mortgage Broker License No. FL 0016258 (also doing business as GetSmart and GetSmart.com)
Michigan Second Mortgage Broker License No. SR 0016259 (also doing business as GetSmart and GetSmart.com)

Minnesota

Minnesota Residential Mortgage Originator License No. 40127258

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

Mississippi Licensed Mortgage Company Broker License No. 244/2008

As required by Mississippi law, LendingTree has secured a bond issued by Aon Risk Services, 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 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

Missouri

Missouri Residential Mortgage Brokers License No. 05-1261

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 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 is not an agent of you, any participating bank, lender, mortgage broker or loan broker (we refer to all of these as "Lenders" or "Lender") or any third-party provider ("Provider"). LendingTree's services are only administrative. You should rely on your own judgment in deciding which available product and Lender or Provider best suits your needs and financial means. You are under no obligation to use LendingTree to commence the matching and request process and LendingTree does not guarantee that completing a request will result in you being matched with a Lender or Provider, receiving an offer from a Lender or Provider or receiving a loan or service from a Lender or Provider.

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 an 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 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.

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 and GetSmart.com)

Nebraska

Nebraska Licensed Mortgage Banker License No. 1517

Nevada

Nevada Mortgage Broker License No. 1698
Nevada Business License No. 205299

Las Vegas Business License No. Q 16-00444060123405

New Hampshire

New Hampshire Mortgage Broker License No. 14280-MBR

New Jersey

LendingTree, Inc., New Jersey Licensed Lender License No. L059424 (Consumer Loans; Secondary Mortgage Loans; Mortgage Broker)
LendingTree, Inc., New Jersey Licensed Lender Branch Office License No. L059425 (Consumer Loans; Secondary Mortgage Loans; Mortgage Broker)

New Mexico

New Mexico Loan Company and Loan Broker License No. 00395

New York

LT Technologies, in lieu of true name LendingTree, LLC, is a Registered Mortgage Broker with the State of New York Banking Department with offices at 11115 Rushmore Dr., Charlotte, NC 28277, Registration No. A004890

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

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. MB 100817

NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF BANKING AND FINANCIAL INSTITUTIONS, 2000 SCHAFER 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.

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 Mortgage Broker License No. MB.802159.000

Oklahoma

Oklahoma Credit Services Organization License No. CSO 00394

Information Statement

LendingTree, LLC

Main Office 11115 Rushmore Dr. Charlotte, NC 28277

Oklahoma Office P.O. Box 687 Tahlequah, OK 74465

LendingTree is required by Oklahoma law to provide this information statement 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 USC Sec. 1682 through 1681t.

2. You have the right to review the above mention 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 approximate price to review such file is $14, as set by the credit reporting agency.

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 computerized loan originator, licensed in Oklahoma as a Credit Services Organization. It is not a lender and does not make loans or credit decisions in connection with loans. 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 Aon Risk Services, 199 Water Street, 11th floor, New York, NY 10038.

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 agree to the terms of this agreement.

1. LendingTree is a computerized loan originator and licensed in Oklahoma as a Credit Services Organization. It is not a lender and does not make loans or credit decisions in connection with loans. 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 P.O. Box 687, Tahlequah, OK 74465. LendingTree’s agent for service of process is NARI with an address in Oklahoma of 115 Southwest 89th Street, Oklahoma City, OK 73189. All correspondence to LendingTree should be sent to 11115 Rushmore Dr., Charlotte, NC 28277, 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 11115 Rushmore Dr., Charlotte, NC 28277 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 Lender License No. ML 1862

Pennsylvania

LendingTree, Inc., First Mortgage Broker License No. 3487
LendingTree, Inc., Secondary Mortgage Broker License No. 1228

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)

South Carolina

South Carolina Mortgage Loan Broker License No. MB-0504600-0504601 (also doing business as RealEstate.com)

Mortgage Broker Loan Agreement

Corporate Headquarters 11115 Rushmore Drive Charlotte, NC 28277 704.541.5351

South Carolina 1938 Candlewick Drive Fort Mill, SC 29715 803.548.4530

For South Carolina residents, LendingTree is acting as your agent in providing services. In providing those services LendingTree will provide you with the utmost care, honesty and loyalty in the transaction, including full disclosure of all material facts. LendingTree agrees to provide the following services to you:

Based on the information you provide to LendingTree and that LendingTree may receive from credit bureaus if authorized by you, LendingTree will provide you with multiple conditional loan offers through its network of nonaffiliated U.S. based banks, thrifts, mortgage brokers, mortgage bankers and finance companies (“Lenders”). To determine which Lenders may be matched with you, Lenders provide to us criteria about the type of loan (for example, loan amount; whether purchase, refinance, or equity loan) and the type of loan customer (for example, state of residence or creditworthiness) in which the Lender is interested. LendingTree will provide your information to up to five Lenders whose criteria match your profile. If fewer than five Lenders match your profile, you will receive conditional loan offers from fewer than five Lenders. If more than five Lenders match your profile, LendingTree will match you with five Lenders with a preference for those Lenders that have the highest customer satisfaction scores and the best record of making loans to previous LendingTree customers. If you are requesting a home equity loan or home equity line of credit, we may match you with up to four Lenders based on the above criteria as well as LendingTree Loans.

If offered to you, you can also authorize LendingTree to simultaneously submit a loan request to its GetSmart network if LendingTree cannot match you with five Lenders who make you conditional loan offers. LendingTree will attempt to match you with Lenders that can make conditional loan offers first then use its GetSmart network.

LendingTree is a computerized loan originator. It is not a lender and does not make loans or credit decisions in connection with loans. LendingTree does not endorse, recommend or favor the products of any Lender. LendingTree is not an agent of any Lender. 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 any Lender.

LendingTree does not charge you a fee to use our service. LendingTree is paid a Computerized Loan Origination match fee by the Lender between $4 and $56 and if you close a loan with the Lender, a Computerized Loan Origination closing fee of up to $1200 for the goods, facilities and services provided.

If your loan request is forwarded to a Lender, 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.

This Mortgage Broker Loan Agreement 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 request, please see your 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, see the Lender responses to your request. LendingTree does not have any involvement in the setting of interest rates and fees on your request. Please print and retain a copy of this Mortgage Broker Loan Agreement and the Loan Information Page for your records.

Tennessee

Tennessee Mortgage Broker License No. 0000000301

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 Regulated Loan License No. 10440-10443

Entity Mortgage Broker License No. 80617

MORTGAGE BROKER/LOAN OFFICER DISCLOSURE

Mortgage Broker: Shan Guo, LendingTree, LLC's Designated Representative

License Number: 10433

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 Mortgage Broker. 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

You, the applicant(s), have requested assistance in obtaining a residential mortgage loan. 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.

The estimated fee which LendingTree, LLC will receive at closing will be as shown on the good faith estimate which the Lender will provide to you within three (3) days of application with such Lender in accordance with the requirements of the Real Estate Settlement Procedures Act and its implementing regulations.

LENDINGTREE, LLC IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. ANY CONSUMER WISHING TO FILE A COMPLAINT AGAINST LENDINGTREE, LLC SHOULD COMPLETE, SIGN, AND SEND A COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEB SITE LOCATED AT http://www.sml.state.tx.us OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY MAIL AT THE ADDRESS ABOVE, BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE AT 1-877-276-5550, BY FAX AT (512) 475-1360, OR BY E-MAIL AT SML@SMLINFO.STATE.TX.US.

THE DEPARTMENT MAINTAINS THE MORTGAGE BROKER RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN TYPES OF JUDGMENTS AGAINST A MORTGAGE BROKER OR LOAN OFFICER. NOT ALL CLAIMS ARE COMPENSABLE AND A COURT MUST ORDER THE PAYMENT OF A CLAIM FROM THE RECOVERY FUND BEFORE THE DEPARTMENT MAY PAY A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT SUBCHAPTER F OF THE MORTGAGE BROKER LICENSE ACT ON THE DEPARTMENT’S WEB SITE REFERENCED ABOVE.

Utah

Utah Mortgage Lender Company License No. 5489470-MLCO

Vermont

Vermont Mortgage Broker License No. 0055 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

Virginia Mortgage Broker License No. MB-1120

Washington

Washington Licensed Mortgage Broker License No. 510-MB-19814

You are not required to use LendingTree's computerized loan 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 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 Brokers License No. MB-20020

Wisconsin

Wisconsin Mortgage Broker License No. 2630

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 Residential Mortgage Lender License No. MBL-838

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

Close