NMLS #132498

Here are the steps required to help you work through the NMLS Licensing Process. Depending on your current status, you will need to complete some or all of the steps. Read the Guides associated with each step:

New License Applications:

STEP DESCRIPTION GUIDE #

1

- Get your state checklist- Go to:http://mortgage.nationwidelicensingsystem.org/slr/resources/Pages/GettingStartedStateMLO.aspx Go to the State Licensing Requirements Page for the state in which you are requesting a license. Print the appropriate checklist, follow the instructions and begin gathering any documentation that you will need to send to the state agency using the contact information on the checklist. This will need to be mailed once you submit your application (Form MU4) through NMLS.

N/A

2 Step 2 - Create an account: Go to: http://mortgage.nationwidelicensingsystem.org/Pages/default.aspx Click “Log into NMLS” then “Request an Account”

#1 Pages 1-2

3 Register for Pre-Licensing Education (Pay for classes) #2 Pages 3-4

4 Register & Take National & State Tests (Pay test fees here) #3 Pages 5-6

5 After Passing Test, Complete your MU4 (Submit License Application to State Regulator – Pay fees)

#4 Pages 7-8

6 Order Criminal Background Check (Pay fees and schedule appointment for fingerprinting)

#5 Pages9-10

#6 Page 11

8 License Status Check (Review and correct any deficiencies) #7

Pages 12-13

STEP DESCRIPTION GUIDE #

1 Log into your NMLS account – Go to: http://mortgage.nationwidelicensingsystem.org/Pages/default.aspx

N/A

#8 Pages 14-15

#6 Page 11

your license. N/A

Equity Prime Mortgage LLC.5 CONCOURSE PARKWAY

QUEEN BUILDING, SUITE 2250ATLANTA, GA 30328

ASST CHIEF COMPLIANCE OFFICER Jim Lyons

877-255-3554 X125

7 Grant Equity Loans LLC access to your NMLS record

4

3 Grant Equity Loans LLC access to your NMLS record

Notify Equity Loans LLC when you have completed steps 1-3 so that we may sponsor

your previous employer (enter an end date for previous employer) – Pay all feesAmend your MU4 by changing employment to Equity Loans LLC and terminating

2

Transferring an Existing License to Equity Loans LLC:

Updated: 4/16/2012 Copyright © State Regulatory Registry LLC

If you are a Mortgage Loan Originator, Control Person, Qualifying Individual or Branch Manager, you will need a NMLS User Name and Password in order to create a record in NMLS or for NMLS attestation process.

Requesting an account

1. Select the button in the upper right corner on the NMLS Resource Center.

2. Select the link to Request an Account

3. Select

4. Retype the security letter & numbers shown on the screen in the space provided and click Next.

5. Complete ALL of the fields with your information in the Create an Individual User Account screen and click Next.

Note: Be sure you have entered your FULL LEGAL NAME (as it shows on a government issued ID) and an email address that is readily accessible.

6. Confirm the Individual Account Information. If correct click Finish. If incorrect, click Previous and correct any information.

Note: Be sure to enter your SSN and DOB correctly. You cannot edit your date of birth and social security number once your record is created without contact the NMLS Call Center.

7. After completing the process, you will receive two emails from NMLS_Notifications@NMLSNotifications.com. The first contains your User Name and the second contains your temporary password.

8. Upon receiving your User Name and temporary password, log into NMLS by typing in your user name and cutting and pasting your temporary password from the email into the login page of NMLS.

9. Once you have gained access to NMLS the first time you will be prompted to change your password. (Please see the “Important Information” section of this guide)

IMPORTANT INFORMATION

User Name and Password: Maintain your User Name and Password in a safe location. You will use these in the future when you need to access your record in NMLS to attest to yoru record, give a company access to your record, or terminate a relationship with a company. Mortgage Loan Originators will also need to renew their license. Individual ID (NMLS Unique ID Number): Maintain your Individual ID in a safe location. You will need this for:

Course Enrollment – course provider will require in order to bank your credits

Test Enrollment

Criminal Background Authorization

Credit Report Authorization

CREATE AN INDIVIDUAL ACCOUNT

Update: 4/13/2012 Copyright © State Regulatory Registry LLC Page 2 of 2

For further navigational assistance, please contact the NMLS Call Center at 240-386-4444. NOTE: Creating an individual account establishes a permanent record in NMLS. Individual records are NOT to be created for training purposes. For training materials, please access the State Licensing Section of the NMLS Resource Center that provides links to Quick Guides, Tutorials, Navigation Guides and the Policy Guidebook.

COURSE ENROLLMENTS (INDIVIDUAL)

Updated: 6/28/2011 Copyright © State Regulatory Registry LLC

PRIOR TO ENROLLING IN ANY NMLS APPROVED PRE-LICENSURE OR CONTINUING EDUCATION COURSE, YOU WILL NEEDTHE FOLLOWING:

A NMLS account

Your individual NMLS ID

HOW TO OBTAIN THE NMLS INDIVIDUAL ID: For Individuals without an existing NMLS account, follow these steps to create your account and ID:

1. Open the NMLS Resource Center website.

2. Select the “Log into NMLS” button

3. Select the “Create an individual account” link.

4. Retype the security letters & numbers shown on the screen in the space provided and click Next.

5. Complete the information on the “Create Individual User Account” page.

6. Click the “Finish” button to confirm.

7. A confirmation message containing your User Name and Individual (User) ID will be displayed.

For Individuals with an existing NMLS account, follow these steps to view your ID:

1. Open the NMLS Resource Center website.

2. Select the “Log into NMLS” button

3. Select the “Log in” link.

4. Select the “Composite View” tab.

5. Select the “View Individual” link at the top of the page.

6. Your Individual ID will be displayed in parenthesis.

HOW TO DETERMINE EDUCATION REQUIREMENTS

COURSE ENROLLMENTS (INDIVIDUAL)

Updated: 6/28/2011 Copyright © State Regulatory Registry LLC Page 2 of 2

1. Open the NMLS Resource Center website.

2. From the left navigation pane, select “Professional Requirements” and select “Education”.

3. From the Related Links section of the Education page, you will need to review the List

of State Specific Education Requirements link.

Note: Taking the same course two years in a row will result in CE not being counted for license renewal which could result in your license being suspended! Before registering for a course, check the course description in the NMLS Course Catalog to see if the course uses licensed content or shares content with another course. If it does, you may not take a course using the same content two years in a row. Courses using licensed content or sharing content with another course use the same unique course title or unique title phrase which is stated at the beginning of the course description. Do not take a course with the same title or title phrase two years in a row.”

HOW TO LOCATE A NMLS APPROVED COURSE PROVIDER

1. Open the NMLS Resource Center website.

2. From the left navigation pane, select “Professional Requirements” and select “Education”.

3. From the Related Links section of the Education page, you will need to review the List of NMLS Approved Course Providers

HOW TO REGISTER FOR A COURSE

1. Open NMLS Resource Center website.

2. From the left navigation pane, select “Professional Requirements” and select “Education”.

3. From the “How to register for a course” section of the Education page, you will need to select the Master Course Catalog link.

4. Search and browse the Master Course Catalog to find the course you wish to take. Choose the course(s) you want to take and write down the course number(s)

5. Call the course provider or visit their website to schedule the courses (payment must be made directly to the course provider). Reminder: Have your NMLS Individual ID number available, you will need to provide it to your course provider in order to have your hours banked.

For further assistance, please contact the NMLS Call Center at 240-386-4444.

TEST ENROLLMENTS (INDIVIDUAL)

Updated: 6/1/09 Copyright © State Regulatory Registry LLC

PRIOR TO ENROLLING IN ANY S.A.F.E NATIONAL OR STATE TEST YOU WILL NEEDTHE FOLLOWING:

A NMLS account

Your individual NMLS ID

Prior to scheduling an appointment to take a S.A.F.E. national or state test component at a test center, a test enrollment must be requested and paid for in NMLS. The Individual test enrollment process allows you to identify the jurisdiction(s) where you are licensed or plan to seek licensure, and select the national test or one or more state tests required by the jurisdiction(s) for test enrollment. Many state agencies require a passing score on the National and State Components of the SAFE MLO Test prior to submitting the MU4 application for licensure through NMLS. The steps below will help you with this process. HOW TO OBTAIN THE NMLS INDIVIDUAL ID: For Individuals without an existing NMLS account, follow these steps to create your account and ID:

1. Open the NMLS Resource Center website.

2. Select the “Log into NMLS” button

3. Select the “Create an individual account” link.

4. Retype the security letters & numbers shown on the screen in the space provided and click Next.

5. Complete the information on the “Create Individual User Account” page.

6. Click the “Finish” button to confirm.

7. A confirmation message containing your User Name and Individual (User) ID will be displayed.

For Individuals with an existing NMLS account, follow these steps to view your ID:

1. Open the NMLS Resource Center website.

2. Select the “Log into NMLS” button

3. Select the “Log in” link.

4. Select the “Composite View” tab.

5. Select the “View Individual” link at the top of the page.

Updated: 4/16/2012 Copyright © State Regulatory Registry LLC Page 2 of 2

6. Your Individual ID will be displayed.

ACCESSING NMLS TESTING SUB-MENU

8. Log in to NMLS.

9. Under the Professional Requirements tab, select the Testing sub-menu option.

10. On the left navigation panel, click Test Enrollments.

TEST ENROLLMENTS

1. Select the jurisdiction(s) in which you must comply with the testing requirements and click Next.

Note: If you wish to enroll in the National Test only and your jurisdiction does not appear, select any jurisdiction.

2. Individually select the test(s) for which you wish to request a test enrollment or use the Select All or Unselect All options and click Add to Cart.

TEST ENROLLMENT CART

1. Select the Test Enrollments Cart from the left navigation panel or continue from the Test Enrollments workflow.

2. If applicable, click the red “X” to delete any test(s) for which you do not want to request enrollment.

3. Click Proceed to Invoice for a complete breakdown of the fees.

4. Click Pay Invoice to continue to the payment screens and remit payment.

Instructions regarding how to schedule the test(s) will be provided in the notification e-mail(s) sent to confirm the appropriate test enrollment window(s) has/have been opened. Click here to access the MLO Testing Handbook containing valuable information regarding testing requirements and processes. Login to the Professional Requirements - Testing section of the NMLS Resource Center and select the Test Availability Schedule and Content Outlines link under the Candidate Tools section regarding open test enrollment window periods. For further assistance, please contact the NMLS Call Center at 240-386-4444.

INDIVIDUAL FILING (MU4) INSTRUCTIONS

Updated: 4/16/2012 Copyright © State Regulatory Registry LLC

If you are required by your state regulator or your mortgage company to complete and submit your own Form MU4, the instructions below will help you do this.

**Consult with your employing company first as to who will be submitting your filing if applicable.

Note: Many state agencies require a passing score on the National and State Components of the SAFE MLO Test and completion of Pre-Licensure Education prior to submitting the MU4 licensure application through NMLS. For information on completing these requirements, see the Professional Requirements section on the NMLS Resource Center. **You must have an individual account to submit your filing. See the Create an Individual Account quick guide for instructions. Refer to your state specific new application checklist before submitting your filing. Submit Individual (MU4) Filing The steps below will walk you through submitting an individual (MU4) filing in NMLS.

Step 1: Select Filing Step 2: Select Individual Step 3: Select Create New Filing Step 4: Complete each section shown on the left hand navigation guide, starting with “License/Registration Information” through “Credit Report Request”. All data is entered through the “Add” button at the bottom of each screen. Save all data prior to selecting “Next” to move to the next section of the Form.

Update: 4/13/2012 Copyright © State Regulatory Registry LLC Page 2 of 2

Tip: In the Criminal Background Check section, select that you are requesting a criminal background check and select the method. Complete the demographic information and click SAVE. A Criminal Background Check authorization is required to be completed for all new applicants. Existing licensees may complete this requirement at any time prior to their state deadline.

Tip: In the Credit Report section, select that you are requesting a new credit report and agree to the TransUnion service agreement. Proceed to the Completeness Check & Submit section to select the “Identity Verification (IDV)” link to complete the identity verification. See the Credit Report Quick Guide for further details.

Step 5: Select Completeness Check and Submit Step 6: Select the checkbox to verify the attestation Step 7: Select Submit Filing & remit any payment required

Note: Using ACH is simple; all you need is your bank account number and bank’s routing number located on your check. NMLS will guide you through the rest.

Access your NMLS account regularly to check the status of your license through the NMLS. Regulators will communicate the status of your submission and any state-specific requirements or deficiencies through the NMLS. Regulators may also email you outside of NMLS. REMEMBER: YOU ARE NOT AUTHORIZED TO CONDUCT ORIGINATION ACTIVITY IN A STATE UNTIL THE REGULATOR HAS APPROVED YOUR SUBMISSION THROUGH THE NMLS

NATIONWIDE MORTGAGE LICENSING SYSTEM

Updated: 6/28/2011 Copyright © State Regulatory Registry LLC

MORTGAGE LOAN ORIGINATOR (MU4) INSTRUCTIONS FOR SUBMITTING A CRIMINAL BACKGROUND CHECK REQUEST

The instructions below will walk you through the process of submitting a criminal background check request.

Submitting a Criminal Background Check Request (CBC Request):

1. Open the NMLS Resource Center website.

2. Select in the upper right corner.

3. Log into NMLS.

4. Select in the top right corner.

5. Select the Individual sub-menu option.

6. Click “Create New Filing”.

7. On the left navigation panel, click Criminal Background Check. [If you are submitting an MU4 filing for the first time, refer to the Filing an MU4 Quick Guide.]

8. Select the “I am requesting a Federal Criminal Background Check” checkbox.

9. Confirm one of the following background check methods. (Only methods available to you will be displayed.)

a. Submit New Prints b. Use Existing Prints c. Use Pending Prints

10. Provide the following demographic information and click “Save”.

a. Hair Color, Eye Color, Height, Weight, and Race

11. Click Completeness Check and Submit on the left navigation panel or the “Next” arrow at the bottom of the screen. A legal attestation will appear.

12. Click “Submit Filing” at the bottom of the page to agree to the attestation and submit the filing to your regulator(s).

13. You will be requested to remit payment. If you choose to continue, you must select “I Agree” to the terms and conditions and select billing method. Acceptable forms of payment are ACH, VISA and Master Card.

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14. Once you submit your payment, your filing will be submitted and your screen will display a message indicating the filing is processing. Processing may take a few moments. DO NOT NAVIGATE AWAY FROM THIS PAGE.

15. If you indicated you will “Submit New Prints” in connection with your criminal background check request, a link to the Criminal Background Check Certificate will appear on the screen after the filing has been processed.

16. Click “Criminal Background Check Certificate” when the link appears on the screen.

17. Print the certificate or write down your NMLS ID and Pin Number. This information is required to schedule your fingerprinting appointment. DO NOT CLOSE THE CERTIFICATE.

18. If you are ready to schedule an appointment, click the link provided in the Criminal Background Check Certificate to access the scheduling site for the NMLS-authorized fingerprint vendor.

19. Follow the instructions on the scheduling site to schedule an appointment at a convenient location and time to have your fingerprints captured.

For further assistance, please contact the NMLS Call Center at 240-386-4444.

PROVIDING A COMPANY ACCESS TO YOUR RECORD

Updated: 4/13/2012 Copyright © State Regulatory Registry LLC

If you wish to allow a company to submit a filing on your behalf, show a company relationship or sponsor your license, you will need to grant them access to do so. Company access to your record will continue until you terminate company access.

Granting Access

1. Go to the NMLS website at www.stateregulatoryregistry.org/NMLS and click on the

button in the upper right corner.

2. Click “Log in”.

3. Enter your User Name and Password and select the box agreeing to the Applicant/Licensee Agreement.

4. In the welcome screen click in the upper right hand corner.

5. In the Form Filing Home screen click Company Access in the blue header below the houses at the top of the screen.

6. Click Add to search for the company you wish to grant access. Request your company’s NMLS ID number to insure the access you’re granting is to the correct company. You can also search by Company Name.

7. Once the company appears click save.

Note: The system will reflect the company you selected under Current Company Access and the company administrator will receive an email notification that you have granted them access.

8. Once access has been granted, the company can establish a relationship and create a sponsorship request for licenses filed. Note: Companies can only sponsor licenses in jurisdictions in which they are also licensed.

To verify your relationship & sponsorship status, re-enter NMLS following steps one through four above. Enter Company Relationship to see all current and previous Company Relationships and Sponsorships.

For further assistance, please contact the NMLS Call Center at 240-386-4444.

STATUS & DEFICIENCY QUICK GUIDE

Updated: 4/16/2012 Copyright © State Regulatory Registry LLC

The following steps will help you to determine the status of your license and review any deficiencies that your state regulator has set. A deficiency is placed by the state regulator to notify you of any missing information that is still required in order to issue a licensing decision.

Each time the status is updated by the Regulator in NMLS, you will receive a system generated email indicating the status change. To view the details, follow the steps below. Note: To ensure you receive the system generated emails, be sure your email address is current in NMLS by following the instructions in the “My Account” quick guide. View Status

Step 1: Select Composite View Step 2: Select View Individual Step 3: Select View License/Registration List

Tip: You can click on the license name hyperlink to view the license status history.

View License Items

Each time a license item is placed on your license, you will receive a system generated email notification from NMLS. To view the details, follow the steps below.

Note: To ensure you receive the system generated emails, be sure your email address is current in NMLS by following the instructions in the “My Account” quick guide.

Follow Steps 1 – 3 above

Update: 4/13/2012 Copyright © State Regulatory Registry LLC Page 2 of 2

Step 4: Select the hyperlink number under the License Items column to view the license item details.

The deficiency will be displayed in the Active License Items section. Review the details in the Title and External Note columns to determine the action(s) required to satisfy the deficiency.

Updating your record

If you need to make changes to information in NMLS based on license items set by the regulator or your license status, you can do so by creating a new filing and updating the information in the appropriate fields of the Company, Branch, or Individual Form and re-submitting the filing to the regulator.

Requirements for information or documentation may be needed outside the system. Documentation should be sent according to the instructions provided by the regulator. If no details are provided, send to the address listed on the regulator’s State Specific Checklist.

The regulator will review documentation and updates as they are able. Each agency turn time is different, be sure to watch for the license status and license item emails from NMLS to stay up to date on the status of your license. You can also log into NMLS and check under composite view. For further assistance, please contact the NMLS Call Center at 240-386-4444

AMENDING FORM MU4 IN NMLS

Updated: 4/16/2012 Copyright © State Regulatory Registry LLC

There are various times that an MU4 Form may require amendment:

Change in employment

Change in residence

Change in name

If a deficiency or requirement is set by your regulator

As actions occur that require disclosure questions to be updated

Many revisions require only the update of information on the MU4 Form in NMLS. Other revisions may require submission of additional documentation in addition to an amendment filing in NMLS. The State Licensing Requirements Page on the NMLS Resource Center includes Amendment Checklists for each license type in NMLS. Review of the appropriate checklist will provide you with the instructions you need in order to proceed.

Always confirm that your email address is up to date. See the “My Account” quick guide for instructions. To make changes on the MU4 Form in NMLS, follow the steps below:

Step 1: Select Filing Step 2: Select Individual Step 3: Select Create New Filing

Note: If you do not see the “Create New Filing” button, you may already have a pending filing and you will need to select the edit icon to continue editing your MU4 or the red x to delete the pending filing that is outstanding.

Step 4: Enter the section of the MU4 Form on the left navigation panel that requires amendment and save any changes.

Update: 4/12/2011 Copyright © State Regulatory Registry LLC Page 2 of 2

Note: If you are changing your employment information in NMLS, follow the instructions on the “MLO Change of Employment” Quick guide to make sure you cover all the necessary steps to keep your record accurate.

Step 5: Select Completeness Check and Submit. If all completeness checks pass, review the attestation language and submit the filing. If items are still outstanding, satisfy the requirement and submit the filing.

To check your license status, enter the Composite View tab in NMLS. See the Status & Deficiencies Quick Guide for further details. For additional navigational assistance, call the NMLS Call Center at 240-386-4444.