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*LOW RATE GUARANTEE ("LR Guarantee") General

The LR Guarantee program compares the interest rate, discount points, and lender fees ("Terms") shown on a competing lender’s loan estimate ("Competing Lender’s LE") with the Terms shown on the loan estimate provided to you by Freedom Mortgage. (Property taxes, insurance, title fees, and other third party fees are excluded from the comparison.) After comparison, if Freedom Mortgage is unable or unwilling to meet or beat the interest rate disclosed on the Competing Lender’s LE, then subject to the conditions set forth below, we will mail you a $250 prepaid card within 30 days after having received the materials listed below. Only one $250 prepaid card for the LR Guarantee will be provided per loan transaction. Freedom Mortgage reserves the right to modify or end the LR Guarantee program at any time in its sole discretion.

Conditions: To be eligible for the LR Guarantee:

• The loan transaction must be a purchase loan transaction, not a refinancing.
• You must provide a copy of the Competing Lender’s LE to your loan officer. The Competing Lender’s LE must be dated on or after the date of our loan estimate.
• The following information on the loan estimates must be identical: applicants, property, sale price (if applicable), loan amount, loan term, purpose, product, loan type, and rate lock duration.
• The loan represented by the Competing Lender’s LE ("Loan") must be closed and funded by that lender within the rate lock period shown on the Competing Lender’s LE, at or below the interest rate shown on the Competing Lender’s LE.
• Within 30 days of closing the Loan, you must send a copy of the closing disclosure and the note for the Loan to 907 Pleasant Valley Avenue, Mt. Laurel, NJ 08054 Attn: Low Rate Guarantee Redemption.