Disclosures and Licenses

ONE REVERSE MORTGAGE’S DISCLOSURES AND LICENSE INFORMATION

One Reverse Mortgage is an Equal Housing 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.

ONE REVERSE MORTGAGE’S STATE DISCLOSURE REQUIREMENTS

One Reverse Mortgage is a licensed mortgage lender. The following states require disclosure of licensing information. (If your state is not listed, it doesn’t require a specific license disclosure or we are not currently licensed in that state.) AZ: One Reverse Mortgage, LLC, 1 N. Central Ave. Suite 1610, Phoenix, AZ, 85004; Mortgage Banker License #0910154; AR: One Reverse Mortgage, LLC, 4445 Eastgate Mall, Ste 320, San Diego, CA, 92121; Mortgage Lender/Mortgage Broker – License # 42785; CA: Licensed by the Department of Corporations under California Finance Lenders Law – License # 6039652 and Residential Mortgage Lending Act – License #4131364; GA: Residential Mortgage Licensee (#23385) – 4445 Eastgate Mall, Ste 320, San Diego, CA, 92121; IL: Residential Mortgage Licensee #MB 6760594 – Department of Financial and Professional Regulation, 208 South LaSalle Street Suite 814, Chicago, IL 60604 (312) 797-8736, 4445 Eastgate Mall, Ste 320, San Diego, CA, 92121; KS: Licensed Mortgage Company, One Reverse Mortgage, MC-0025315; ME: One Reverse Mortgage, LLC, Supervised Lender License #SLM10965; MA: One Reverse Mortgage, LLC, Mortgage Lender License #MC 2052; NV: One Reverse Mortgage, LLC 8275 South Eastern Avenue, Suite 200, Las Vegas, NV 89123, License #1984; NH: Licensed by the New Hampshire Banking Department #10940-MB; NJ: New Jersey – One Reverse Mortgage, LLC., 4445 Eastgate Mall, Ste 320, San Diego, CA, 92121; (810) 401-8114, Licensed by the N.J. Department of Banking and Insurance; NY: Licensed Mortgage Banker, N.Y.S Banking Department, License #107328; OH: One Reverse Mortgage, MB 850077; Oregon – License #ML-3511; PA: Licensed by the Department of Banking – License # 21860; RI: Rhode Island Licensed Lender; TX: One Reverse Mortgage, LLC 4445 Eastgate Mall, Ste 320, San Diego, CA, 92121; VA: One Reverse Mortgage, LLC., NMLS ID #2052 (www.nmlsconsumeraccess.org); WA: Consumer Loan Company License – CL – 2052. Equal Housing Lender, One Reverse Mortgage Nationwide Mortgage Licensing System Number 2052

One Reverse Mortgage LLC, 4445 Eastgate Mall, Ste 320, San Diego, CA 92121

Equal Housing Lender, One Reverse Mortgage Nationwide Mortgage Licensing System Number 2052. To go to the NMLS access page please click on: http://www.nmlsconsumeraccess.com/EntityDetails.aspx/COMPANY/2052

In Texas – CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM.. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov.

One Reverse Mortgage does not broker mortgages in all 50 U.S. states. If your request involves a state in which we do not currently broker, we may pass your information along to Quicken Loans in order to assist you.