>  Disclaimer

Luminate Bank NMLS 1281698 Bank Headquarters 2523 S. Wayzata Blvd., Suite 100 Minneapolis, MN 55405 (952) 939-7200.

This is not an offer to enter into an agreement. Information provided is outlining the minimum down payment requirements as allowed by specific loan program and product guidelines and any information, rates and programs are subject to change without prior notice and may not be available in all states.

All loans are subject to credit and property approval. Luminate Bank is not affiliated with any government agency. All rights reserved.

> 1% Closing cost credit

The 1% is a Lender Credit calculated on the loan amount and is subject to loan program minimum contribution requirements and based on any other concessions provided. Lender Credit will not exceed the total closing cost amount. Must request the Lender Credit at time of application. Lender Credit not available on bond loans and availability is subject to change without notice. Loan must close and fund with Team, Brooke Drum and the Northwest Mortgage Team of Luminate Bank to qualify for Lender Credit which will be reflected on the Closing Disclosure.