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application for a loan from HFS Financial. HFS Financial does not endorse, warrant or guarantee service or
products of any lender or broker and does not guarantee and makes no representations of any rates, points,
and loan programs offered by lenders and brokers. This is not an advertisement for credit as defined by 12
CFR 1026.24. All information is subject to change without notice. An inquiry you submit to HFS Financial is
for the purpose of obtaining additional information regarding a potential loan provided by a third-party
lender under terms & conditions arranged directly between you and such lender, and conditioned upon the
completion of all credit documentation. HFS Financial is not responsible or liable for any products,
services, information or other materials displayed, purchased, or obtained as a result of or in connection
with this web site, including, without limitation, any agent referrals, loan recommendations, application,
approval, pre-qualification, loan or interest rate analysis. HFS Financial recognizes that there may be
differences in interest rates based in loan amount, credit history, geographic location, and other factors."
