UETA & eSign Policy

Consumer Disclosure — Electronic Signatures & Records

Described below are the terms and conditions for providing you with required notices and disclosures electronically through the Opus Dei Mortgage Corporation electronic signing system. Please read the information below carefully and thoroughly. If you can access this information electronically to your satisfaction and agree to these terms and conditions, you may proceed.

All Notices Will Be Sent Electronically

Unless you tell us otherwise in accordance with the procedures described herein, we will provide electronically to you — through the Opus Dei Mortgage Corporation system — all required notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you during the course of our relationship with you.

To reduce the chance that you inadvertently miss any notice or disclosure, we prefer to provide all required notices and disclosures to you by the same method and to the same address that you have given us. You may receive all disclosures and notices electronically, or in paper format through the mail delivery system. If you do not agree with this process, please contact us.

Acknowledging Your Access & Consent

To confirm that you can access this information electronically — which will be similar to other electronic notices and disclosures that we will provide to you — please verify that you were able to:

• Read this electronic disclosure in full
• Print this page on paper, or electronically save it for your future reference and access
• Email this disclosure and consent to an address where you will be able to print on paper or save it for your future reference and access

If you consent to receiving notices and disclosures exclusively in electronic format on the terms and conditions described above, please let us know by clicking the "I Agree" button where provided.

What Your Agreement Confirms

By checking the "I Agree" box, you confirm all of the following:

Acceptable Use Policy

This Acceptable Use Policy outlines examples of prohibited conduct in connection with our Services. As an Opus Dei Mortgage Corporation user, you agree not to misuse the Services or help anyone else do so. The following conduct is prohibited:

Abusing and Disrupting the Services

• Do not probe, scan, or test the vulnerability of any system or network.
• Do not breach or otherwise bypass any security or authentication measures.
• Do not access, tamper with, or use non-public areas or parts of the Services, or shared areas of the Services you have not been invited to.
• Do not interfere with or disrupt any user, host, or network by distributing malware or overloading, flooding, or mail-bombing any part of the Services.
• Do not decompile or reverse engineer any part of the Services in an effort to access source code or algorithms.
• Do not access, search, or create accounts for the Services by any means other than our publicly supported interfaces.
• Do not take any action that imposes an unreasonable load on our infrastructure or our third-party providers.
• Do not provide your password to any other person or manage the Services through shared credentials.

Spamming and Phishing

• Do not send spam or other unsolicited communications, promotions, or advertisements.
• Do not send altered, deceptive, or false source-identifying information, including phishing or spoofing.

Deceiving and Impersonating Others

• Do not do anything that is false, fraudulent, inaccurate, or deceptive.
• Do not impersonate another person, company, or entity.
• Do not engage in misleading or unethical marketing or advertising.

Infringing and Violating Rights

• Do not infringe or misappropriate anyone's copyright, trademark, or other intellectual property rights.
• Do not violate anyone's privacy or publicity rights.

Breaking the Law

• Do not use the Services in violation of any US export controls, regulations, or sanctions.
• Do not do anything that otherwise violates the law, including all local laws regarding online conduct and acceptable content.

You can report violations of these guidelines by emailing [email protected]. We may modify this Acceptable Use Policy from time to time and will post the most current version on our site.

Equal Housing & Licensing

Reservation of Rights

We reserve all rights as to our content in all of our electronic documents, emails, and text messages. Reproduction, use, or distribution requires our prior express written permission. The only statements that may be published and attributed to us are those issued by the Company's President or other executive officers.

Questions & Inquiries

If you have any questions about this UETA & eSign Policy, or any other compliance matter, please contact us:

• By phone: (858) 289-0000
• By phone: (786) 785-6409
• By email: [email protected]
• By mail: 10850 Hartley Road, Santee, CA 92071