AGREEMENT BETWEEN USER AND LoanXchange.com

The LoanXchange.com Web Site is comprised of various Web pages operated by LoanXchange.com.

The LoanXchange.com Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the LoanXchange.com Web Site constitutes your agreement to all such terms, conditions, and notices. By submitting your request with LoanXchange.com, you grant permission for up to 4 of our Premier Partners to contact you by phone even if you are on the Do Not Call Registry.

The Website acts solely as an online marketplace for you to find and transact with other users, Members, consumers or sellers (the "Users") business transactions related to the products or services displayed on the Service or otherwise associated with the Service. LoanXchangecom is owned and operated by BillCut.com. LoanXchangecom is not a broker, lender or seller. LoanXchangecom is not a party to any agreement you may make with a lender or broker with regard to any loan product or other product or service. Any information you provide to a lender or broker in connection with your application remains with that lender or broker and is not transferred from such lender or broker to LoanXchangecom.

LoanXchangecom is not responsible and you agree that LoanXchangecom will bear no liability for any products, services, information or other materials displayed, purchased, or obtained by you from the Website. Nothing on the Website contains an offer, promise or otherwise from LoanXchangecom to make a specific loan or that any participating lender or broker will make any loan for any purpose or on any specific terms. You acknowledge that LoanXchangecom is not a lender, broker or financial intermediary and that your ability to secure any loan or consummate any transaction with any other user of this Website or the Service is solely a matter to be resolved between you and such other user.

LoanXchangecom does not endorse, warrant or guarantee the products or services of any user of the Website or the Service. Nothing on the Website constitutes an advertisement for credit as defined by Paragraph 226.24 of Regulation Z issued by the Board of Govenors of the FDIC pursuant to authority contained in the Federal Truth In Lending Act, as amended.

LoanXchangecom is not liable for any delays, inaccuracies, errors or omissions with respect to the information posted on the Website or submitted to the Website or the transmission or delivery of all or any part thereof, for any damage arising therefrom or occasioned thereby, or for the results obtained from the use of the information. You assume the entire risk as to the accuracy, adequacy, completeness, currency, validity and quality of any information. Any information on the Website is subject to change without notice.

4Homes is engaged in the business of providing content for mortgage shoppers and is not acting as a mortgage broker or mortgage lender. The information provided by you to 4Homes and its partners is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our or our partner network, your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors. 4Homes does not guarantee that the rates or terms offered and made available by participating Providers are the lowest rates available in the market or the best terms available, and not all Providers in our network offer the interest-only products that are advertised here. The interest-only products are not available in all states or to all consumers. Completing a form does not obligate you to purchase a service or product from the Providers, nor does it obligate a Provider to offer to you any particular service or good about which you may have inquired.

Additionally, the content on our website (the "Content") is supplied in good faith using references and sources deemed reliable; however it is published strictly on an "as-is" basis. The operator of this website and the author hereby disclaims any and all express or implied warranties to the maximum extent permitted by law. The Content is provided for informational purposes only and is not to be construed as financial or legal advice. Everyone's financial circumstances are unique. You are urged to consult multiple informational sources and a professional advisor before making any decisions affecting your personal finances.

LoanXchange.com shall not be responsible or liable for any products or services obtained by or through any other party. The materials displayed on this site relating to services provided by any other party are advertisements and do not constitute an offer or promise to make a loan or provide any other service by LoanXchange.com There is no endorsement by LoanXchange.com of any other party or the products and services made available by or through any other web site.

MODIFICATION OF THESE TERMS OF USE

LoanXchange.com reserves the right to change the terms, conditions, and notices under which the LoanXchange.com Web Site is offered, including but not limited to the charges associated with the use of the LoanXchange.com Web Site.

LINKS TO THIRD PARTY SITES

The LoanXchange.com Web Site may contain links to other Web Sites ("Linked Sites"). The Linked Sites are not under the control of LoanXchange.com and LoanXchange.com is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. LoanXchange.com is not responsible for webcasting or any other form of transmission received from any Linked Site. LoanXchange.com is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by LoanXchange.com of the site or any association with its operators.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the LoanXchange.com Web Site, you warrant to LoanXchange.com that you will not use the LoanXchange.com Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the LoanXchange.com Web Site in any manner which could damage, disable, overburden, or impair the LoanXchange.com Web Site or interfere with any other party's use and enjoyment of the LoanXchange.com Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the LoanXchange.com Web Sites.

USE OF COMMUNICATION SERVICES

The LoanXchange.com Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
   
• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
   
• Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
   
• Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
   
• Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
   
• Conduct or forward surveys, contests, pyramid schemes or chain letters.
   
• Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
   
• Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
   
• Restrict or inhibit any other user from using and enjoying the Communication Services.
   
• Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
   
• Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
   
• Violate any applicable laws or regulations.

LoanXchange.com has no obligation to monitor the Communication Services. However, LoanXchange.com reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. LoanXchange.com reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

LoanXchange.com reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in LoanXchange.com's sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. LoanXchange.com does not control or endorse the content, messages or information found in any Communication Service and, therefore, LoanXchange.com specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized LoanXchange.com spokespersons, and their views do not necessarily reflect those of LoanXchange.com.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

MATERIALS PROVIDED TO LoanXchange.com OR POSTED AT ANY LoanXchange.com WEB SITE

LoanXchange.com does not claim ownership of the materials you provide to LoanXchange.com (including feedback and suggestions) or post, upload, input or submit to any LoanXchange.com Web Site or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting LoanXchange.com, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. LoanXchange.com is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in LoanXchange.com's sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

LIABILITY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE LoanXchange.com WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. LoanXchange.com AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE LoanXchange.com WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE LoanXchange.com WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

LoanXchange.com AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE LoanXchange.com WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. LoanXchange.com AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LoanXchange.com AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE LoanXchange.com WEB SITE, WITH THE DELAY OR INABILITY TO USE THE LoanXchange.com WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE LoanXchange.com WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE LoanXchange.com WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF LoanXchange.com OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE LoanXchange.com WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE LoanXchange.com WEB SITE.

SERVICE CONTACT : info@LoanXchange.com

TERMINATION/ACCESS RESTRICTION

LoanXchange.com reserves the right, in its sole discretion, to terminate your access to the LoanXchange.com Web Site and the related services or any portion thereof at any time, without notice. GENERAL To the maximum extent permitted by law, this agreement is governed by the laws of the State of Washington, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in King County, Washington, U.S.A. in all disputes arising out of or relating to the use of the LoanXchange.com Web Site. Use of the LoanXchange.com Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and LoanXchange.com as a result of this agreement or use of the LoanXchange.com Web Site. LoanXchange.com's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of LoanXchange.com's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the LoanXchange.com Web Site or information provided to or gathered by LoanXchange.com with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and LoanXchange.com with respect to the LoanXchange.com Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and LoanXchange.com with respect to the LoanXchange.com Web Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.

COPYRIGHT AND TRADEMARK NOTICES:

All contents of the LoanXchange.com Web Site are: Copyright 2007 by LoanXchange.com and/or its suppliers. All rights reserved.

TRADEMARKS

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider's Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.