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 Lender
• The Housing Financial Discrimination Act of 1977, California Fair Lending Notice
• Fair Lending Policy Statement
• IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN
• Disclosure For Advertised Adjustable Rate Mortgage Product

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 1600 South Douglass Road, Anaheim, CA 92806 regarding the location where HMDA data may be inspected.

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act 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.

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 management of this financial institution or:

Department of Corporations
320 West 4th Street
Suite 750
Los Angeles, CA 90013-1105

It is our policy to comply with the Equal Credit Opportunity Act and the Fair Housing Act. In addition, it is our policy to comply with state laws that provide greater protection. Ally Bank does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Servicemembers Civil Relief Act (SCRA); that all or part of a consumer's income derives from a public assistance program; or any other basis prohibited by law.

To help us prevent fraud and to assist the government in fighting the funding of terrorism and money laundering activities, we are obtaining, verifying, and recording information that identifies each person who applies for and/or obtains a mortgage loan. What this means for you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Sample transaction is 36 monthly payments of $4.35 per $1,000 borrowed, followed by 324 monthly payments estimated at $4.44 per $1,000 borrowed, based on an index of 1.17% and a margin of 2.25%. The rate is fixed for the first 36 months and will change every 24 months thereafter at the margin plus the 1 year Libor rate as published in the Wall Street Journal. Payments do not include tax, insurance or mortgage insurance. Offer extended to loans of up to $417,000 owner occupied, rate and term refinances of 80% loan to value, 20% equity or down payment with impounds and minimum 740 FICO score. Offer valid on properties located in the state(s) of California and Colorado. Rates subject to change without notice. Not all applicants will qualify and certain restrictions apply. Loans will be made pursuant to Department of Corporations California Finance Law License No. 603-8780.