LICENSING DISCLAIMER

Admiral Financial Services, Inc., is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, 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 any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

Admiral Financial Services, Inc. is a licensed mortgage broker. The following states require disclosure of licensing information. (If your state is not listed, it does not require a specific license disclosure):

FLORIDA

License #: MBR2550

Approved Name: Admiral Financial Services, Inc., an Illinois corporation. REGULATOR:

Office of Financial Regulation

Division of Finance

Bureau of Regulatory Review

200 East Gaines Street

Tallahassee, FL 32399

Phone: (850) 410-9895

Fax: (850) 410-9882

ILLINOIS

License#: MB.0006204

Approved Name: Admiral Financial Services, Inc., an Illinois corporation REGULATOR:

Department of Financial and Professional Regulation, Division of Banking 100 W. Randolph, 9th Floor

Chicago IL 60601

Phone: (800) 532-8785

DISCLAIMER:

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.