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*Promise Disclaimer To be eligible for consideration the loan applicant must present a fully executed LOI from a competing lender with no contingencies that meets all UTOPIA REI FUNDING Underwriting Guidelines and underwriting criteria. UTOPIA REI FUNDING Underwriting Guidelines are subject to change without notice. The above statement “Our Competitive Rate Promise: We'll Beat Any Competitors' Rate” is not and shall not, under any circumstances, be construed as a commitment on the part of UTOPIA REI FUNDING to provide any financing. UTOPIA REI FUNDING SHALL BE UNDER NO OBLIGATION TO FUND ANY LOAN TO ANY BORROWER UNLESS AND UNTIL IT IS SATISFIED, IN ITS SOLE AND ABSOLUTE DISCRETION, WITH ITS DUE DILIGENCE REVIEW AND FORMAL LOAN DOCUMENTS PREPARED BY ITS COUNSEL.