First Choice Loan Services

To: Revdex.com of New JerseyRe: [redacted] Good Afternoon, I've reviewed the customer complaint in detail and contacted the parties involved as well as our management team We value all of our customer’s comments and thank you for bringing these issues to my attention and to the attention of our company’s managementRest assured, this situation is being addressed at the Senior Management level and steps are being taken to ensure our customers receive the service they deserve.I have attached the letter we are sending out today to [redacted] via *** We understand the customers frustration but we maintain our commitment to making it better and hopefully he will agree that we took some very positive steps Please note, we are sending the letter to the address showing as the contact address within the Revdex.com of NJ complaint case and not to the present address that is showing in our file If you need additional information or have any questions, feel free to contact me at [redacted] ***VP of Compliance [redacted]

To: Revdex.com of New Jersey Case [redacted] From: [redacted] *** [redacted] ** [redacted] Thank you for giving our organization an opportunity to respond to this consumer complaint We have reviewed the complaint from [redacted] and gathered the facts relating to the events There were conditions on the loan regarding the ability by the consumer to borrow against the collateral based on the continuity of the underlying oblication In summary, over the course of the loan application process we made numerous attempts on behalf of the consumer to document that he had been in title to the property for the twelve months preceding the loan application Recorded documents provided to the Underwriter showed that the borrower was not on title and were the basis for the final Underwriter's determination that we could not proceed to loan closing We acknowledge [redacted] *** was provided a Conditional Approval for a loan from our office; however, documentation could not be provided to meet all the conditions and the loan was denied While we believe we acted in good faith and within compliance of all federeal and state rules and requirements, as well as industry best practices, we are committed to excellent customer service Out of desire that all of our customers have a positive experience, we are refunding his appraisal monies to him in the amount of $ We talked with [redacted] on March 10, and informed him that we would be issuing a check to him and he was satisfied with this resolution Sincerely, First Choice Loan Services Inc [redacted] *** [redacted] [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: Sh I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***