LEGAL AND LICENSING INFORMATION

DIVERSITY AND INCLUSION - EMPLOYEES & CUSTOMERS

We understand that focusing on bringing people together from different cultures and backgrounds enhances the home buying experience for our employees and borrowers. Buying a home is a dream that anyone can and should achieve – and we are committed to helping all borrowers reach that goal. Also, for both our customers and employees, our diversity and inclusion plan outlines how we implement diversity into our business and culture.

EQUAL HOUSING OPPORTUNITY LENDER

Cake Mortgage is an Equal Housing Opportunity lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of 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.

CREDIT BUREAU INFORMATION

Cake Mortgage and/or its service providers acting on its behalf, may report information about your account to the major credit bureaus. Under the Fair Credit Reporting Act, you have the right to directly dispute the accuracy or integrity of information Cake Mortgage and its service providers report to the major credit bureaus. In order to protect your rights regarding any disputed account information, you must do the following:

• Any dispute must be made in writing to Cake Mortgage and its service providers at Cake Mortgage, 9200 Oakdale Ave STE 501, Chatsworth, CA 91311. Or email us at OfficeofthePresident@cakehome.com.
• Your dispute notice must sufficiently identify your account relationship with Cake Mortgage and its service providers such as your name, address, account number, etc.
• You must specify the information Cake Mortgage and its service providers are reporting to the credit bureaus and why you are disputing it.
• You must also provide documentation or other information to support your dispute. For example,you may wish to provide a relevant portion of a credit report that may contain possibly inaccurateinformation, account statements, a copy of a police report, an affidavit of forgery, etc.

If you fail to meet any of the above requirements it may delay any response from Cake Mortgage and any resolution of your dispute. In most cases, Cake Mortgage will respond to your dispute notice in writing within 30 days of receiving it.

Not all Cake Mortgage products or services are available in all states. Thisis not a commitment to lend.

DO NOT CALL POLICY

This notice is the Cake Mortgage Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do NotCall lists, unless the law allows us to. Cake Mortgage employees and its serviceprovider employees receive training on how to document and process telephone marketing choices.

Consumers who ask not to receive telephone solicitations from Cake Mortgage will be placed on the Cake Mortgage Do Not Call list and will not be called in any future campaigns, including those of Cake Mortgage affiliates. If you communicate with us by telephone, we may monitor or record the call.

OUR COMMITMENT TO WEBSITE ACCESSIBILITY

Cake Mortgage is committed to ensuring accessibility of its website to people with disabilities. Wherever possible, the Cake Mortgage site will adhere to level AA of the Web Content Accessibility Guidelines (WCAG 2.1). These guidelines outline four main principles that accessible websites should be:

• Perceivable - Information and user interface components must be presentable to users in ways they can perceive
• Operable - User interface components and navigation must be operable
• Understandable - Information and the operation of user interface must be understandable
• Robust - Content must be robust enough that it can be interpreted reliably by a wide variety of user agents, including assistive technologies

Whether you are using assistive technologies to access our website or seek assistance with written or oral information from our mortgage professionals, our goal is to make your experience successful. In addition to meeting the WCAG Guidelines, our mortgage professionals are available to read and explain appropriate materials to customers who want help with the mortgage loan application process. In all cases, we will work with you to provide the information or item you seek through a communication method that is accessible for you.

If you have feedback or concerns related to the accessibility of any content on this website, or have ideas or comments that would help us improve the accessibility and usability of our website, please e-mail us at officeofthepresident@cakehome.com or call us at (818) 812-5150 to let us know. If you have encountered a specific problem with the site, please include the web address or URL where you experienced difficulty and describe the specific problem(s) you have encountered.

Department of Housing and Urban Development

We are always open to suggestions for improvements to our website, so that we can provide the best possible online experience for our users.

LICENSING INFORMATION:

Alabama – Licensed by the State of Alabama Banking Department, Consumer Credit License 22930

Arizona – Licensed by the Arizona Department of Financial Institutions, Mortgage Broker License1001310. Other trade names used in Arizona: Millennial Home Lending

Arkansas – Licensed by the Arkansas Securities Department, Combination Mortgage Banker- Broker- Servicer License 123830. Cake Mortgage, 9200 Oakdale Ave STE 501, Chatsworth, CA 91311. Toll free _____________ (General Customer Service) or (818) 812-5450 (Company Headquarters)

California-DFPI – Licensed by the Department of Financial Protection and Innovation under theCalifornia Residential Mortgage Lending Act, License 60DBO-86949

Under California law, we will not share information we collect about you with companies outsideof Cake Mortgage unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law. Rev. 08/2013. Loans made pursuant to a California Department of Financial Protection and Innovation Residential Mortgage Lending Act License. Married persons may apply for an account in their own name.

CA Fair Lending Notice

UNDER THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 IT IS ILLEGAL TODISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF:

1. TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION, UNLESS THEFINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS PRACTICE; 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 GEOGRAPHIC 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 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 FINANCIAL PROTECTION AND INNOVATION

2101 Arena Boulevard
Sacramento, CA 95834

DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION

One Sansome Street, Suite
600San Francisco, CA
94104-4428

DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION

300 S. Spring Street, Suite
15513Los Angeles, CA 90013- 1259
-or-
320 West 4th Street, Suite 750Los Angeles, CA 90013- 2344

DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION

1455 Frazee Road, Suite
315San Diego, CA 92108

Colorado – Licensed by the Colorado Department of Regulatory Agencies, regulated by the Division of Real Estate

Connecticut – Licensed by the Connecticut Department of Banking, Lending License ML-1734623

Delaware – Licensed by the Delaware Office of the State Bank Commissioner, Lender License 034417

District of Columbia – Licensed by the Department of Insurance, Securities and Banking, MortgageLender License MLB1734623.

Florida – Licensed by the Florida Office of Financial Regulations, Lender License MLD1934, Broker License MBR2701

Georgia – Licensed by the Georgia Department of Banking and Finance, Lender License 62262

Idaho – Licensed by the Idaho Department of Finance, Broker/Lender License MBL-2081734623.

Illinois – Cake Mortgage, 9200 Oakdale Ave STE 501, Chatsworth, CA 91311, Illinois Residential Mortgage Licensee, MB.6761605, Department of Financial & Professional Regulation, Division of Banking, 122 South Michigan Avenue, Suite 1900, Chicago, IL, 60603, 312.793.3000

Indiana – Licensed by the Indiana Department of Financial Institutions, Lender License 52487

Iowa – Licensed by the Iowa Division of Banking, Lender License 2021-0121

Kansas – Licensed by the State Bank Commissioner of Kansas, Mortgage Company License MC 0025716

Kentucky – Licensed by the Kentucky Department of Financial Institutions, Lender License MC751524

Louisiana – Licensed by the Louisiana Department of Financial Institutions

Maine – Licensed by the Maine Bureau of Financial Institutions 1734623

Maryland – Licensed by the Office of the Commissioner of Financial Regulation, Mortgage Lender License, 1734623

Massachusetts – Licensed by Massachusetts Division of Banks, Lender/Broker License MC1734623

Michigan – Licensed by the Michigan Department of Insurance and Financial Services, 1st MortgageBroker/Lender/Servicer Registrant FL0023118

Minnesota – Licensed by Minnesota Department of Commerce, Lender License MN-MO- 1734623

Mississippi – Licensed by the Mississippi Department of Banking and Consumer finance, Lender License 1734623

Montana – Licensed by the Montana Banking and Financial Institutions, Lender/Broker License 1734623

Nebraska – Licensed by the Nebraska Department of Finance and Banking

New Hampshire – Loans secured by real property made by Cake Mortgage. Licensed by the New Hampshire Banking Department, Mortgage Banker License 24231-MB

New Jersey – Licensed by the New Jersey Department of Banking and Insurance

New Mexico – Licensed by the New Mexico Financial Institutions Division of the New Mexico Regulation and Licensing Department

North Carolina – Licensed by the North Carolina Commissioner of Banks, Lender License L-192659

North Dakota – Licensed by the North Dakota Department of Financial Institutions, Money BrokerLicense MB103833

Ohio – Licensed by the Ohio Division of Financial Institutions, Lender License RM.804474.000

Oklahoma – Licensed by the Oklahoma Banking Department, Lender License ML013698

Oregon – Licensed by the State of Oregon Division of Financial Regulation, Mortgage Lending LicenseML-5716

Pennsylvania – Licensed by the Pennsylvania Department Banking, Lender License 73541

South Carolina – Licensed by the South Carolina Board of Financial Institutions, Lender License MLS - 1734623

South Dakota – Licensed by the South Dakota Division of Banking, Lender License ML 05338

Tennessee – Licensed by the Tennessee Department of Financial Institutions, Lender License 219757

Texas – Licensed by the Texas Department of Banking

Virginia – Licensed by State Corporation Commission, Bureau of Financial Institutions (BFI), in the Commonwealth of Virginia, Lender/Broker License MC-6958

Washington – Licensed by the Washington State Department of Financial Institutions, Consumer Loan Company License CL-1734623

West Virginia – Licensed by the West Virginia Division of Financial Institutions, Mortgage Lender/Broker License ML-1734623

Wisconsin – Licensed by Wisconsin Department of Financial Institutions, Lender License 1734623BA

Wyoming – Licensed by the Wyoming Division of Banking, Lender/Broker License 4075

Not licensed in the state of New York.