Final Order — Loan Originator

Index: OFR 2026 - 255 CKETEO ''- 4/2026 STATE OF FLORIDA GA. OFFICE OF FINANCIAL REGULATION In Re: PETER FERNANDEZ, Case Number: 118768 Respondent. FINAL ORDER This cause came on for consideration and final agency action. Upon review of the record and being otherwise fully advised in the premises, the Office of Financial Regulation ("Office") hereby finds:

1. The Office has jurisdiction over the subject matter of this case and the parties hereto.
2. The entry of this Final Order concludes the above-referenced matter. ORDERED: A. The Stipulation and Consent Agreement (Exhibit A) is hereby approved and incorporated by reference as if fully stated herein and is adopted as the Office's Findings of Fact and Conclusions of Law. B. The parties shall comply with all terms of the Stipulation and Consent Agreement. DONE and ORDERED this j L['f4 day of May, 2026, in Tallahassee, Leon County, Florida.

CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order has been furnished by electronic mail to Peter Fernandez at peterf929@gmail.com and Sha'Ron James, • t"1 Counsel for Peter Fernandez, at SJames@gunster.com on this J2 day of May, 2026. 1 • l Regulation Post Offi ox 8050 Tallahassee, FL 32314-8050 Email: Agency.Clerk@flofr.gov Tel: (850) 410-9889 2

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: PETER FERNANDEZ, Respondent. Exhibit A Case Number: 118768 STIPULATION AND CONSENT AGREEMENT The State of Florida, Office of Financial Regulation ("Office"), and PETER FERNANDEZ ("Respondent"), in consideration of the mutual promises herein, recite, stipulate, and agree as follows: I. Background. At all times material hereto, Peter Fernandez is and has been a Loan Originator licensee pursuant to chapter 494, Florida Statutes, having been issued license number LO12490. The Office conducted an examination ( I 03816) of Respondent's business records and operations to ascertain compliance with chapter 494, Florida Statutes. On October 2024, the Office issued and served an Administrative Complaint ("Complaint") on Respondent. The Office received Respondent's timely request for a hearing pursuant to section 120.57( I), Florida Statutes. In lieu of conducting an administrative hearing, the parties agree to settle this matter wherein the Office agrees to dismiss the complaint with prejudice. 2. Jurisdiction. Pursuant to section 494.01 I, Florida Statutes, the Office is charged with the responsibility of administering and enforcing the provisions of chapter 494, Florida Statutes. The Office has jurisdiction to bring this administrative action against Respondent pursuant to chapter 494, Florida Statutes.

3. Terms and Conditions. Respondent and the Office agree that the issues raised can be expeditiously resolved without a hearing and that further litigation can be avoided by the execution of this Stipulation and Consent Agreement. The parties acknowledge they have read this Stipulation and Consent Agreement and fully understand the rights, obligations, tenns, duties and responsibilities with respect to its contents. Therefore, in compromise and settlement of the matters stated herein, and in consideration of the Office's forbearance from further litigation, Respondent agrees to the following terms and conditions: a. DISMISSAL OF ADMINISTRATIVE COMPLAINT. The Office agrees to dismiss the Complaint with prejudice issued in this case upon entry of the Final Order adopting Stipulation and Consent Agreement. b. FUTURE COMPLIANCE. Respondent agrees that he shall comply with chapter 494, Florida Statutes, and the rules promulgated thereunder.
4. Waiver. By Respondent's consent to the entry of a Final Order with respect to this proceeding, Respondent waives: a. Any right to separately stated Findings of Fact and Conclusions of Law; b. Any right to receipt of a Notice of Rights pursuant to chapter 120, Florida Statutes; c. Any right to an administrative hearing or issuance of a Recommended Order pursuant to chapter 120, Florida Statutes; and d. Any right to contest in any administrative forum or judicial proceeding (including, but not limited to, an appeal pursuant to section 120.68, Florida Statutes) the validity of any term, condition, obligation, or duty expressly created in this Stipulation and Consent Agreement and the Final Order.
5. Releases. Upon full execution of this Stipulation and Consent Agreement, 2

Respondent waives, releases and forever discharges the Office and its agents, representatives and employees from any and all causes of action, in law or in equity, which Respondent may have arising out of this matter. The Office accepts this release and waiver by Respondent on behalf of itself, its agents, representatives, and employees without acknowledging, and expressly denying, that any such right or cause of action may exist. 7. Attorney's Fees. Each party herein shall be solely responsible for its separate costs and attorneys' fees incurred in the prosecution, defense, or negotiations in this matter up to and including entry of the Final Order adopting this Stipulation and Consent Agreement. 8. Severability. The parties agree that ifany provision of this Stipulation and Consent Agreement or the application thereof to any person or circumstance is held invalid, the Stipulation and Consent Agreement will be given effect without the invalid provision, and to this end, the provisions of this Stipulation and Consent Agreement are declared severable. 9. Counterparts. This Stipulation and Consent Agreement may be executed in any number of counterparts, and by the parties in separate counterparts, each of which will be deemed to be an original but all of which together will constitute but one Stipulation and Consent Agreement. Copies of this Stipulation and Consent Agreement transmitted by facsimile or electronic mail shall have the same validity as if bearing an original signature. 10. Entire Agreement. This Stipulation and Consent Agreement represents the entire agreement by and between Respondent and the Office. Any alterations, variations, changes, modifications or waivers of the provisions hereof shall be valid only when they have been reduced to writing, duly signed by the Office and Respondent hereto. attached to the original of this Stipulation and Consent Agreement, and subject to the approval of the Office. 3

WHEREFORE, in consideration of the foregoing, the Office and Respondent execute this Stipulation and Consent Agreement for entry of a Final Order on the last date executed below. [Remainder ofpage is i11tentionally left blank with signatures appearing on the following page] 4

PETER FERNANDEZ: fi:w,c] Date: ~ 5/...,__.._ ~-+-- b~{p __ Name: Peter Fernandez State of Ft or i cl.O, County of N llAml 1::x.<.ci--c_ Peter Fernandez, as Loan Originator, BEFORE ME by means of.J8"physical presence or □ online notarization, has sworn (or affirmed) that he has read and understands the foregoing agreement and voluntarily signed lhe same. SWORN TO AND SUBSCRIBED before me this~ day of f-{0.. 1 Check the appropriate box: Personally known D OR Produced Identification ~ Type of identification produced ~ Driver's License D Passport D Other N~ (Do not include ID number) OFFICE OF FINANCIAL REGULATION Date: 5/11/2026 , 2026.

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Gregory C. Oaks, Director Division of Consumer rinance 5