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Real Estate Provider #515.000066/Fahim Muhammad Instructor #512.003026/Fahim Muhammad Managing Broker #471.020985 Freedom Financial Institute, IDOI Provider #500026517/NMLS Provider #1405073/Fahim Muhammad NMLS #1851084 All loans originated through Mortgage Loan Direct, NMLS #1192858 15255 South 94th Avenue, Suite 500 Orland Park, IL 60462. Freedom Apex Enterprise & Financial Services Mailing Address: 837 East 162nd Street, Suite 7-8 South Holland, IL 60473 708-704-7309/708-566-1222, 844-49-FREEDOM

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I. Dieu Khoan Chung

II. Dieu Khoan Ve Tai Khoan

III. Dieu Khoan Ve Thanh Toan

IV. Dieu Khoan Ve Trach Nhiem

V. Dieu Khoan Ve Ban Quyen