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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 Thanh Toan

III. Dieu Khoan Ve Bao Mat Thong Tin

IV. Dieu Khoan Ve Trach Nhiem

V. Dieu Khoan Ve Quyen So Huu Tri Tue

VI. Dieu Khoan Va Dieu Kien Ve Thay Doi