* Certain terms and conditions may apply.

American Home Loans 2635 Camino Del Rio South • Suite 302 San Diego, CA 92108 (619) 640-5003 • Fax: (619) 640-3790 mccisse@lowerband.com/hlc/

Licensing Disclosure Statement:

AHL is a California Licensed Mortgage Banker licensed by the Department of Corporations (RML) License 413-0306. American Home Loans is licensed by the Department of Real Estate #01176613. Not all programs are available in all areas. Program restrictions apply. CBSK Financial Group Inc. d/b/a American Home Loans, 6 Hutton Centre Drive, Suite# 700, Santa Ana, CA 92707 is licensed, registered or exempt from licensing to conduct business in all states (excluding AL & GA). CBSK Financial Group d/b/a American Home Loans is an Arizona Mortgage Banker #BK0017319; Loans are made or arranged pursuant to a Department of Corporations California Finance Lenders license; CA Department of Real Estate - Real Estate Broker license #01176613; Illinois Residential Mortgage Licensee #5028 as American Home Loans by the Commissioner of Banks and Real Estate, Suite# 2130, 310 South Michigan Avenue, Chicago, IL 60604 (312-793-3000); Registered with the Kansas Department of Banking; MA Mortgage Lender #ML1178 & Mortgage Broker #MB1677; Licensed as a Mortgage Banker #5371MB and #5387MHL by the New Hampshire Banking Department; Licensed by New Jersey Department of Banking and Insurance: Licensed Mortgage Banker and Mortgage Broker - NYS Banking Department; Licensed by the Pennsylvania Department of Banking; Rhode Island Lender and Broker Licensee. American Home Loans Underwriting Guidelines apply to all loan programs. All rights reserved. Information accurate on printing date: 12/04/02.