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| Disclosure |
| Equal Credit Opportunity Act The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on a basis of race, color, religion, natural origin, sex, marital status, age (provided that 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 Federal Agency that administers compliance with this law concerning this creditor is the Western Region, Federal Trade Commission, 901 Market Street, Suite 570, San Francisco, CA 94103. Fair Credit Reporting Act As part of processing your application for a real estate loan, we may request a consumer report bearing on your creditworthiness, credit standing and credit capacity. This notice is given pursuant to the Fair Credit Reporting Act of 1970, Section 601 to Section 622, inclusive. You are entitled to the information contained in your credit report within 60 days of written demand therefore made to the Credit Reporting Agency pursuant to Section 606(b) of the Fair Credit Reporting Act. If we deny your application based on information from the consumer reporting agency, you have a right under the Fair Credit Reporting Act to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive notice of the denial of your application. In addition, if you find that any information contained in the report is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. Patriot Act Morgan Financial, Inc. has created this Patriot Act compliance statement in order to demonstrate our firm commitment to the Patriot Act and homeland security. The following discloses our information gathering and dissemination practices for www.mflv.net relative to this act. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions obtain, verify, and record information that identifies each person who requests a loan. The Act requires all financial institutions to maintain records of the identification verification and periodically update this information. Confidentiality of the information obtained by Morgan Financial, Inc. will be maintained as required by this act. The following information will be recorded as required by this act: your name, mailing and residence address, tax identification number, date of birth, copy of drivers license or other government issued photo ID.
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