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NMLS     |     FAIR LENDER     |     FAIR HOUSING

DISCLAIMER: Any rates, fees or loan terms recited herein are based on information and or representations made by the addressee upon which we have relied. These rates, fees and terms may be subject to change if verification of these representations reveals differences, which in our opinion, alter the risks associated with the contemplated transaction. Also, all rates, terms and fees stated herein are "date sensitive" and, unless specifically stated to the contrary, are subject to change based on our opinion of changing market conditions.

1st 2nd Mortgage Company of N.J., Inc.

Licensed by the NJ Department of Banking & Insurance and     other states NMLS# 115981 as a residential mortgage lender.

We are located at: 50 Spring Street, Cresskill, NJ 07626
Toll Free: (800) 562-6466

NMLS     |     FAIR LENDER     |     FAIR HOUSING

DISCLAIMER: Any rates, fees or loan terms recited herein are based on information and or representations made by the addressee upon which we have relied. These rates, fees and terms may be subject to change if verification of these representations reveals differences, which in our opinion, alter the risks associated with the contemplated transaction. Also, all rates, terms and fees stated herein are "date sensitive" and, unless specifically stated to the contrary, are subject to change based on our opinion of changing market conditions.