The following statement pertains to the Real Estate Settlement Procedures Act (RESPA) as it relates to the consumer-

based business activities of MFI Corporation or any MFI strategic brand.

MFI Corporation does not offer any program, product or service that constitutes a RESPA transaction. A RESPA

transaction is defined through the conveyance of property title. MFI does not offer mortgage loans, consumer loans or

any program, product or service that falls under the guidelines of RESPA.

RESPA is about closing costs and settlement procedures. RESPA requires that consumers receive disclosures at various

times in the transaction and outlaws kickbacks that increase the cost of settlement services. RESPA is a HUD consumer

protection statute designed to help homebuyers be better shoppers in the home buying process, and is enforced by HUD.

RESPA covers loans secured with a mortgage placed on a one-to-four family residential property. These include most

purchase loans, assumptions, refinances, property improvement loans, and equity lines of credit. HUD's Office of RESPA

and Interstate Land Sales is responsible for enforcing RESPA.

In an effort to help consumers understand that MFI consumer programs, products or services do not constitute actual

loans or mortgage loans, MFI avoids usual and customary loan terminology while promoting or conducting consumer

transactions.

If you would like to learn more about RESPA, contact:

US Department of Housing and Urban Development

Attn: Director, Office of RESPA and Interstate Land Sales

Room 9154

451 7th Street, SW

Washington, DC 20410