Vanderbilt Mortgage and Finance - Customer Service

Vanderbilt Mortgage and Finance, Inc., with its principal offices at 500 Alcoa Trail, Maryville, Tennessee 37804, is licensed or is exempt from licensing in the following states. Vanderbilt does not engage in lending in every state.

Alabama: Licensed to make consumer loans (Lic. No. MC 3145)

Arizona: Mortgage Banker (Lic. Nos. BK-0902616 and BKBR-0108059)

Arkansas: Mortgage Banker and Mortgage Servicer (Lic. Nos. 10696 and 20116)

California: Finance Lender licensed by Dept. of Corporations (Lic. No. 603 6460)

Colorado: Supervised Lender (Lic. Nos. 097287 and 097287-002)

Delaware: Chapter 22 Licensed Lender (Lic. No. 2150) - Motor Vehicle Sales Finance 2410

Florida: Mortgage Lender (Lic. No. 0700385) - Sales Finance SF0700053

Georgia: Mortgage Lender (Lic. No. 6911)

Idaho: Regulated Lender (Lic. No. RMD-3811) and Mortgage Broker/Lender (Lic. No. 3054)

Illinois: Sales Finance Agency License 892

Indiana: Loan License under Indiana Uniform Consumer Credit Code (Lic. No. 1719)

Iowa: Mortgage Banker (Lic. No. 572) - Regulated Loan 2006-0156 and 2006-0158

Kansas: Supervised Loan License (Lic. Nos. 1998-3896, 1998-3896-01)

Kentucky: Mortgage Loan Company #MC16813

Louisiana: Residential Mortgage Lender (Lic. No. RML 556-0) - Sales Finance 2007-00231 and 2007-00233

Maine: Loan Servicer (Lic# SVR5876 and SVR7126)

Maryland: Consumer Loan (Lic. No. 814) - Sales Finance 1457 - Mortgage Lender (Lic. No. 12845)

Michigan: Mortgage Lender and Servicer (Registration No. FR1011)

Minnesota: Residential Mortgage Originator (Lic. No. MO 20194020)

Mississippi: Mississippi Mortgage Company Lender License 1/2008 and 3/2008

Missouri: Consumer Credit Loan #367-08-1364

Montana: Consumer Loan License (Lic. No. 484) - Sales Finance 325

Nebraska: Mortgage Banker (Lic. No. 522) - Sales Finance 1075 and 1093

Nevada: Installment Loan (Lic. No. IL08010)

New Hampshire: Mortgage Banker (Lic. No. 13678-MB)

New Mexico: Mortgage Loan Company and Loan Broker Registration (Registration Certificate No. 01135)

North Carolina: Mortgage Lender (Lic. No. L-100375)

North Dakota: Money Broker (Lic. No. MB 101190) - Collection Agency (Lic. No. CA101425)

Ohio: Mortgage Loan (Certificate Numbers) SM.500822.000, SM.500822.001-BR, SM.500822.003-BR, SM.500822.004-BR, SM.500822.005-BR, SM.500822.006-BR, SM.500822.007-BR, SM.500822.009-BR, SM.500822.010-BR, SM.500822.011-BR, SM.500822.012-BR, SM.500822.013-BR, SM.500822.014-BR, SM.500822.015-BR, SM.500822.016-BR and SM.500822.017-BR.

Oklahoma: Supervised Lender (Lic. Nos. SL003570 and SL 005838)

Oregon: Mortgage Lender (Lic. No. ML-1659)

Pennsylvania: Licensed by Pennsylvania Department of Banking - First Mortgage Banker (Lic. Nos. 1536 and 1536.001) - Consumer Discount 3321 and 3321.001 - Sales Finance 1607

South Carolina: Supervised Lender (Lic. Nos. S-4,104 and S-6,010)

South Dakota: Mortgage Lender (Lic. No. 4245) - Money Lender 2282

Tennessee: Licensee under Residential Lending, Brokerage and Servicing Act (Certificate of Registration No. 0000000609)

Texas: Registered Creditor (Lic. Nos. 110634 and 118109), Mortgage Banker #64733, Regulated Loan License number 11282-48667 - Mortgage Banker 64733

Utah: Mortgage Lender Company (Lic. No. 5489445-MLCO)

Virginia: Mortgage Lender and Broker Act Licensee (Lic. Nos. ML-189)

Washington: Consumer Loan Act Licensee (Lic. Nos. 520-CL-1619-00 and 520-CL-18354-26978)

West Virginia: Mortgage Lender (Lic. Nos. ML-20713 and MLB-21730)

Wisconsin: Mortgage Banker (Lic. No. 16381) - Sales Finance 312

Wyoming: Supervised Lender (Lic. No. SL-1425), Residential Mortgage Lender MBL-317 and 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:

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
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

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.