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SMS Terms

THIS AGREEMENT CONTAINS A MANDATORY ARBITRATION OF DISPUTES PROVISION THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS.

What Are Citywide Text Messages?

Citywide Texting provides an easy way to get alerts from Citywide about promotional and mortgage and payment information from almost any mobile device or cell phone at a number you provide. Messaging frequency varies for each customer.

Will it cost anything?

Citywide will not charge you to send or receive text messages from us; however, message and data rates may apply depending on the wireless plan that you have with
your carrier.

What if I want to stop receiving messages?

If you wish to stop receiving text messages from us, you may unsubscribe by texting the word STOP to the five-digit US short code, by calling (866) 508-5515 or by email at [email protected]. Citywide Home Loans, LLC will honor your request within a reasonable time.

What if I want to re-subscribe?

You can start receiving Citywide Texting messages by texting the word START to the ten-digit U.S. long code provided.

What if I have questions?

You may text the word HELP to the five-digit U.S. short code, by calling (866) 508-5515 or by email at [email protected] for more information.

Command Terms

Outside of the Commands mentioned below, any other keyword you may use may not be recognized or accepted.

Stop: At any time, you can text STOP to the five-digit U.S. short code. This will terminate your participation in the notification program.

Help: At any time, you can text HELP to the five-digit U.S. short code.

Disclaimers and Licenses

Citywide Home Loans, LLC is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying
for credit from Citywide Home Loans, LLC will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because
you get public assistance. Citywide Home Loans, LLC is a licensed mortgage lender. The following states require disclosure of licensing information that can be found by
clicking here.

Privacy Policy

You can view our privacy policy by clicking here.

By opting-in to Citywide Texting, you agree to the terms of the privacy policy.

Additional Disclosures

By signing-up for Citywide Texting and providing your phone number, you agree to this policy, our Privacy Policy and our Terms of Use. You also agree that you are providing
express written consent for Citywide Home Loans, LLC, its affiliates and agents, and its service providers to contact you about your loan application, loan transaction, loan
servicing, available rates, and other products, promotions and services offered by Citywide Home Loans, LLC by text message or phone call (including by text message or
call made using an automatic telephone dialing system or an artificial or prerecorded voice) to the telephone number you have provided, even if that telephone number is on
a corporate, state or national Do Not Call Registry. You also agree and understand that consent to receive such messages or calls is not required or a condition of any
purchase from Citywide Home Loans, LLC. Message and data rates may apply. And, by communicating with us by phone and agreeing to this policy, our Privacy Policy and
our Terms of Use you consent to calls being recorded and monitored.

You represent that you are the account holder for the mobile telephone number(s) that you provide to opt-in to the Citywide Texting program. You understand that you are
responsible for notifying Citywide immediately if you change your mobile telephone number and agree to indemnify Citywide and parties texting or calling on its behalf in full
for all claims, expenses, and damages related to or caused in whole or in party by your failure to notify us of your number change. This includes but is not limited to all claims,
expenses, and damages related to our arising under the Telephone Consumer Protection Act.

You acknowledge and agree that Citywide Home Loans, LLC is not, and shall not be, responsible for the results of any defects that may exist in this website or its operations
within text messaging. As to the operation of these services, to the maximum extent allowed by law, Citywide Home Loans, LLC expressly disclaims all warranties of any
kind, whether express or implied, including, but not limited to the implied warranty of merchantability and fitness for a particular purpose.

By using this service, you agree that any and all disputes, claims or controversies arising out of or relating to this Agreement or the relationship between me, on the one
hand, and Citywide Home Loans, LLC or its parents, subsidiaries or affiliates (collectively “COMPANY”), on the other hand, whether based in contract, tort, statute,
fraud, misrepresentation or any other legal theory – including, but not limited to, claims relating to my account, Citywide products and services and communications from or on
behalf of Citywide (“Disputes”) – shall be submitted to JAMS, or its successor, for confidential, final and binding arbitration to be resolved by a single arbitrator. I further
agree that the arbitration will take place on an individual basis, that class arbitrations and class actions are not permitted, and that I am agreeing to give up the ability to
participate in any class action. For avoidance of doubt, I am agreeing to give up the ability to bring a lawsuit in court (except small claims discussed below); and I am giving
up the ability bring or participate in a class action in any form or forum, even if my Dispute is determined not to be subject to arbitration.

Arbitration shall be in accordance with JAMS Streamlined Rules for Arbitration (“Rules”) and will comply with the JAMS Consumer Minimum Standards (which are incorporated
by reference). The JAMS arbitrator shall resolve the Dispute and is empowered with the exclusive authority to resolve any dispute relating to the interpretation, applicability or
enforceability of these terms or the formation of this Agreement, including the arbitrability of any dispute and any contention that all or any part of this Agreement is
unconscionable, void or voidable. Any arbitration conducted pursuant to the terms of this Agreement shall be governed by the Federal Arbitration Act (9 U.S.C.§§ 1–
16). Notwithstanding the foregoing, I understand that I may instead litigate a Dispute in small claims court if the Dispute meets the requirements to be heard in small claims
court.

The arbitrator will conduct hearings, if any, by teleconference or videoconference, rather than by personal appearances, unless the arbitrator determines upon request by you or
by us that an in-person hearing is appropriate. Any in-person appearances will be held in your hometown.

I UNDERSTAND THAT I AM WAIVING ANY RIGHT I MIGHT OTHERWISE HAVE TO A TRIAL BEFORE A JUDGE OR JURY. I understand that upon initiating the arbitration in accordance with JAMS rules, I must send a copy of the Demand for Arbitration via U.S. Mail to

Citywide Home Loans
Attn: Legal
3940 N. Ravenswood Ave
Chicago, IL 60613

The formation, existence, construction, performance, and validity of this agreement shall be governed by the laws of the State of Utah and the United States, without reference to
choice or conflict of law principles.

With the exception of any of the language above in this Dispute Resolution provision relating to the waiver of class and representative actions, if a court decides that any part
of this Dispute Resolution provision is invalid or unenforceable, the other parts of this Dispute Resolution provision shall still apply. If a court decides that any aspect of the
language above in this Dispute Resolution provision relating to the waiver of class and representative actions is invalid or unenforceable, then the entirety of this Dispute
Resolution provision shall be null and void. The remainder of the Agreement will continue to apply and be unaffected by this severability provision.

Complaints

Any email or mobile messaging complaints should be directed to the Consumer Solutions Dept at (866) 508-5515 or by email at [email protected]