Disclosures

In accordance with state and federal regulations, the following disclosure and licensing information is available for you to review online:

• Home Mortgage Disclosure Act
• Equal Housing Opportunity Lender
• The Housing Financial Discrimination Act of 1977 California Fair Lending Notice
• Equal Credit Opportunity Act Fair Lending Notice

Home Mortgage Disclosure Act (HMDA)
The HMDA data about our residential mortgage lending are available for review. The data shows the geographic distribution of loans and applications; income of applicants and borrowers; and information about loan approvals and denials. Inquire at 5500 E. Santa Ana Canyon Rd. Ste. 256, Anaheim Hills, CA 92807 regarding the location where HMDA data may be inspected. To receive a copy of the data, send a written request to:

Monarch Funding Corporation
5500 E. Santa Ana Canyon Road Suite 256
Anaheim Hills, CA 92807

Equal Housing Opportunity Lender
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendment of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status or national origin.

• In the sale or rental of housing
• In advertising the sale or rental of housing
• In the financing of housing
• In the provision of real estate brokerage service
• In the appraisal of housing
• Blockbusting is also illegal

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd). U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.

The Housing Financial Discrimination Act of 1977, California 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.
• Race, color, religion, sex, marital 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, and 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 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 any questions about your rights, or if you wish to file a complaint, contact the manager of this financial institution or:

Department of Real Estate
107 South Broadway
Los Angeles, CA 90012

Equal Credit Opportunity Act Fair Lending 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 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 the creditor is:

Mortgage Companies
Federal Trade Commission
Equal Credit Opportunity
Room 4037
Washington DC 20580