Vanderbilt Mortgage and Finance, Inc., with its principal office at 500 Alcoa Trail, Maryville, Tennessee 37804, and telephone number 800-970-7250, holds or files the licenses or other authorizations (“licenses”) to make loans listed below. Vanderbilt does not engage in lending in every state and some states do not require licenses for every type of credit transaction.

Alabama

Licensed to make consumer loans	MC 3145

Arizona

Mortgage Banker	BK-0902616
Mortgage Banker	BKBR-010859
Mortgage Banker	BKBR-0115433

Arkansas

Mortgage Banker and Mortgage Servicer	10696
Mortgage Banker and Mortgage Servicer	20116

California

Finance Lender licensed by Dept. of Corporations	603 6460

Colorado

Supervised Lender	097287
Supervised Lender	097287-002
Mortgage Company Registration
In Colorado check the license status of your mortgage loan originator @ http://www.dora.state.co.us/real-estate/index.htm (CO MLO Jeff O'Harah #150653)

Delaware

Chapter 22 Licensed Lender	2150
Motor Vehicle Sales Finance	2410

Florida

Mortgage Lender Servicer	MLD393
Mortgage Lender Servicer Branch	MLDB744
Sales Finance	L00000259043

Georgia

Georgia Residential Mortgage Licensee
Mortgage Lender	6911

Idaho

Regulated Lender	RPL-3811
Mortgage Broker/Lender	MBL-3054

Illinois

Illinois Department of Financial and Professional Regulation
122 S Michigan Ave., Ste. 1900
Chicago, IL 60603
(312) 793-3000
Illinois Residential Mortgage Licensee	MB 6760629
Sales Finance Agency	892

Indiana

Subordinate Lien Mortgage Lending	7072
First Lien Mortgage Loan	10869

Iowa

Mortgage Banker	572
Iowa Nonresident Regulated Loan Number	2006-0156
Iowa Nonresident Regulated Loan Number	2006-0158
Master Loan Company Registration Number	88880907
Notification

Kansas

Kansas Licensed Mortgage Company
Supervised Loan License	SL. 0000720-BR.002
Supervised Loan License	SL. 0000720
Notification	r14019

Kentucky

Mortgage Loan Company	MC16813
Mortgage Loan Company	MC22484

Louisiana

Residential Mortgage Lender	RML 556-0
Sales Finance	SF-2011-00256
Sales Finance	SF-2011-00255

Maine

Loan Servicer	SVR5876
Loan Servicer	SVR7126

Maryland

Mortgage Lender	12845
Consumer Loan	814
Sales Finance	1457
Installment Loan	2084

Michigan

First Mortgage Broker, Lender and Servicer Registrant	FR 1011

Minnesota

Residential Mortgage Originator	MO 20194020

Mississippi

Mississippi Registered Mortgage Company
Consumer Credit Loan Company	367-12-1364
Mississippi Mortgage Company Lender License	1561
Mississippi Mortgage Branch License	7443

Missouri

Consumer Credit Loan	367-10/1364
Residential Mortgage Loan Broker	11-1868-A

Montana

Consumer Loan License	484
Sales Finance	325
Mortgage Lender	1561

Nebraska

Mortgage Banker	13678-MB
Sales Finance	1075
Sales Finance	1093

Nevada

Installment Loan	IL10008
Exempt Company Registration	3656
Mortgage Loan Servicer Registration

New Hampshire

Licensed by the New Hampshire Banking Department
Mortgage Banker	13678-MB

New Mexico

Mortgage Loan Company and Loan Broker Registration (Registration Certificate)	01135

North Carolina

Mortgage Lender	L-100375
Privilege License	230268

North Dakota

Money Broker	MB 101190
Collection Agency	CA101425

Ohio

Mortgage Loan Certificate	SM.500822.000
Mortgage Loan Certificate	SM.500822.001-BR

Oklahoma

Supervised Lender	SL003570
Supervised Lender	SL005838
Mortgage Broker	MB001343
Mortgage Broker	MBB01359
Notification	83720

Oregon

Mortgage Lender	ML-1659

Pennsylvania

Licensed by Pennsylvania Department of Banking
Sales Finance	1607
Mortgage Consumer Discount Company License	26510

South Carolina

Supervised Lender	S-4,104
Supervised Lender	S-6,010
Notification
Mortgage Lender/Servicer	MLS-1561
Mortgage Lender/Servicer	MLB-7443
Retail Dealer	35711

South Dakota

Mortgage Lender	ML.04245
Money Lender	MYL.2282

Tennessee

Residential Lending, Brokerage and Servicing Act	0000000609

Texas

Registered Creditor	110634
Registered Creditor	118109
Mortgage Banker	64733
Regulated Loan	11282-48667
COMPLAINTS REGARDING MORTGAGE BANKERS SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 North Lamar, Suite 201, Austin, Texas 78705. A TOLL-FEE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

Utah

Mortgage Lender Company	5489445-NMLC
Consumer Credit Notification
Residential First Mortgage Notification

Virginia

Licensed by the "Virginia State Corporation Commission"as a Mortgage Lender	MC-722

Washington

Consumer Loan Act Licensee	520-CL-18354
Consumer Loan Act Licensee	520-CL-18354-26978

West Virginia

Mortgage Lender	ML-20713
Mortgage Lender	MLB-21730
Collection Agency	1050-1898
Collection Agency	2228-1602
Notification

Wisconsin

Mortgage Banker	16381
Sales Finance	312
Sales Finance	3121
Consumer Act Registration

Wyoming

Supervised Lender	SL-1425
Residential Mortgage Lender	MBL-317
Residential Mortgage Lender	MBL-318

Disclosures

Federal Equal Credit Opportunity Act Notice:

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided 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 Protection Act. The federal agency, which administers compliance with this law concerning this creditor, is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580.

California:

The Housing Financial Discrimination Act of 1977 Fair Lending Notice

It is illegal to discriminate 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 the financial 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, martial 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 any 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 residence.

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 Corporations

320 West 4th Street	71 Stevenson Street	1515 K Street	1350 Front Street
Suite 750	Suite 2100	Suite 200	Room 2034
Los Angeles, CA	San Francisco, CA	Sacramento, CA	San Diego, CA
90013-2344	94105-2980	95814-4052	92101-3697

Ohio:

The Ohio laws against discrimination requires that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Utah:

The Federal Equal Opportunity Act and the Utah Consumer Credit Code prohibit creditors from discriminating against credit applicants on the basis of race, color, religion, national 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 Protection Act.  The federal agency which administers compliance with this law concerning this creditor, is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580.  For residents of Utah, the Equal Credit Opportunity Provisions of the Utah Uniform Consumer Credit Code are administered by the Department of Financial Institutions, Herber M. Wells Building, 160 East 300 South, 3^rd Floor, Salt Lake City, Utah 84111.

Washington:

Washington State law prohibits discrimination in credit transactions because of race, creed, color, national origin, sex, marital status, or the presence of any sensory, mental or physical handicap of any person.  The Washington State Human Rights Commission administers compliance with this particular State law.

Wisconsin:

Notice to Married Wisconsin Residents:  No provision of a marital property agreement, court order or decree under section 766.70 of the Wisconsin statutes or individual statement applying to marital property will adversely affect a creditor‘s interests unless prior to the time credit is granted such creditor had actual knowledge of such provision.  If an applicant spouse wants a creditor to be bound by such provision, such applicant spouse needs to disclose to the creditor the existence of such provision and provide the creditor with a copy thereof prior to the time credit is granted.  Disclosure of such provision after credit is granted will not bind the creditor.