EQUAL CREDIT OPPORTUNITY ACT NOTICE

The Federal Equal Credit Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter a binding contract); or because all or part of the applicant's income drives from any public assistance program or because the applicant has good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this mortgage banker is:

Office of The Comptroller of the Currency

Customer Assistance Unit

1301 McKinney Avenue, Suite 3710

Houston, Texas 77010