NMLS Disclosures

LoanDesk AI is a technology platform operated by FeltSense App Founders LLC. LoanDesk AI is a software-as-a-service (SaaS) provider — we provide technology tools to licensed mortgage loan officers and their borrowers. LoanDesk AI is not a mortgage lender, mortgage broker, or mortgage servicer.

LoanDesk AI does not originate, fund, or service mortgage loans. All lending activities, including loan origination, underwriting, and closing, are performed by the licensed loan officers and lending institutions that use our platform.

The Nationwide Multistate Licensing System (NMLS) is a system created by the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR) to facilitate the licensing and registration of mortgage loan originators, mortgage companies, and other financial services providers.

Consumers can verify the licensing status of their mortgage loan officer or lending institution through the NMLS Consumer Access portal at www.nmlsconsumeraccess.org.

All loan officers using the LoanDesk AI platform are required to maintain valid federal and state mortgage licensing, including but not limited to:

• NMLS Registration: A unique NMLS identification number (NMLS ID) issued through the Nationwide Multistate Licensing System.
• State Licensing: Active mortgage loan originator (MLO) licenses in each state where they conduct business.
• Continuing Education: Completion of required annual continuing education hours as mandated by the SAFE Act and state regulators.

It is the responsibility of each loan officer to maintain current licensing and to comply with all applicable state and federal regulations. LoanDesk AI does not independently verify the licensing status of loan officers using the platform.

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) requires all mortgage loan originators to be registered or licensed through the NMLS. The SAFE Act was enacted to:

• Enhance consumer protection and reduce fraud in the mortgage industry.
• Provide consumers with accessible information about the qualifications and disciplinary history of mortgage loan originators.
• Establish minimum standards for licensing and registration of mortgage loan originators.

LoanDesk AI uses artificial intelligence technology (an AI loan assistant named “Morty”) to assist loan officers and borrowers with:

• Preliminary borrower pre-qualification estimates.
• Mortgage rate comparisons across loan types.
• Document collection and organization.
• Pipeline management and workflow automation.

Important: AI-generated outputs, including pre-qualification estimates and rate comparisons, are for informational purposes only. They do not constitute loan offers, commitments, or guarantees. All final lending decisions are made by licensed mortgage professionals subject to full underwriting review.

LoanDesk AI and the loan officers who use our platform are committed to equal housing opportunity. All lending activities facilitated through the platform must comply with:

• Fair Housing Act: Prohibits discrimination in housing-related activities based on race, color, national origin, religion, sex, familial status, or disability.
• Equal Credit Opportunity Act (ECOA): Prohibits discrimination in any aspect of a credit transaction based on race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act.

If you believe you have experienced lending discrimination, you may file a complaint with the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov/complaint or contact the U.S. Department of Housing and Urban Development (HUD) at 1-800-669-9777.

Rate quotes, APR estimates, and fee schedules displayed through the LoanDesk AI platform:

• Are estimates based on the information provided and current market conditions at the time of the query.
• Are subject to change without notice based on market fluctuations, credit review, and property appraisal.
• Do not include all costs associated with a mortgage transaction. Borrowers will receive a complete Loan Estimate (LE) from their lender as required by TILA-RESPA Integrated Disclosure (TRID) rules.
• Are not commitments to lend at any particular rate or terms.

If you have a complaint about a loan officer you have interacted with through the LoanDesk AI platform, you may:

• Contact the loan officer’s employing institution directly.
• File a complaint with your state’s mortgage regulatory authority.
• File a complaint with the Consumer Financial Protection Bureau (CFPB).
• Check the loan officer’s licensing and disciplinary history at www.nmlsconsumeraccess.org.

For complaints about the LoanDesk AI platform itself, please contact us at compliance@loandesk.ai.

LoanDesk AI — FeltSense App Founders LLC
Email: compliance@loandesk.ai

NMLS ID #1234567 — This is a demo application. The NMLS ID shown is for demonstration purposes only.