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Rainbow Funding may choose in its sole discretion to terminate this pre-approval if it is determined that any of the following has occurred: (a) information in the loan application process has been misrepresented, (b) an adverse change has occurred with respect to the designated property, (c) an adverse change has occurred with respect to financial or credit information that has been reviewed in issuing this pre- approval, (d) Rainbow Funding is prohibited by law or regulation from doing business with you for any reason, or (e) any of the closing conditions set forth herein have not been met. This pre-qualification letter does not constitute loan approval or commitment to rate, fees, or term. Any misrepresentation in the loan application or adverse change in the applicant financial position may void this pre-qualification, as would a poor credit history by accepted standards. This pre-qualification does not intend or purport to confer any rights or privileges upon any third parties including, but not limited to, sellers of real property. A completed loan file with an acceptable appraisal must be provided for underwriting review before a loan decision can be made.