TERMS OF USE, PRIVACY AND DISCLOSURES Mortgageadvisoronline.com/Community Lending Services, herein referred to as "this Web site" is offered to you, the "User," conditioned on your acceptance without modification, of the terms, conditions, and notices contained in this agreement. Your use of this Web site constitutes your agreement to all such terms, conditions, and notices. PRIVACY Your personal privacy and the security of your personal data are a primary concern of ours. This web site Mortgageadvisoronline.com/Community Lending Services believes that you should be aware of who we are, the types of information we may collect on our Web site, and what we do with your personal information. Our overall privacy policy is simple. Under no circumstances will the domain name owner of Mortgageadvisoronline.com/Community Lending Services sell or share any personal information about you to or with any person or organization except as authorized by you, to our authorized agents, the lenders in our network, or as may be required by law or court order. This web site Mortgageadvisoronline.com/Community Lending Services is a web site used by a mortgage Lending Officer, acting as an independent contractor, and places loans with a licensed investor. After a complete mortgage application is received, you will receive a Servicing Disclosure Statement and a Mortgage Loan origination agreement, which outlines the responsibilities and compensation of the mortgage-lending officer. Some of the information you supply on the qualification form may be optional. If you supply this information, it will not be shared or sold to any person or organization except as authorized by you, to our authorized agents, the lenders in our network, or as may be required by law or court order. If you fill out the "Contact Us" form, your name and other identifying information will not be sold or shared with any person or organization. The authorized mortgage-lending officer working through the web site Mortgageadvisoronline.com/Community Lending Services to contact you concerning your comments, questions and/or complaints may use your e-mail address or telephone number. SECURITY POLICY Mortgageadvisoronline.com/Community Lending Services uses extensive and sophisticated secure technology to protect your data and transmissions between you and Mortgageadvisoronline.com/Community Lending Services. Although Mortgageadvisoronline.com/Community Lending Services has taken these reasonable and appropriate measures to ensure that your personal information is delivered and disclosed only in accordance with your instructions, Mortgageadvisoronline.com/Community Lending Services and the owner of it's domain name cannot and does not guarantee that the personal information you provide will not be intercepted by others and decrypted. LOAN ORIGINATION SERVICES All of the information you have provided in this qualification form or application is true and complete. You authorize the mortgage-lending officer of Mortgageadvisoronline.com/Community Lending Services' domain name to check your credit and employment history. Services provided by a licensed investor and only in connection with (a) mortgage loans made on real property located in the qualifying fifty states and the District of Columbia unless otherwise specified. Loans may only be made to residents of, or secured by real property located in, states where the mortgage investor is licensed or authorized to make such loans. This licensed investor expressly reserves the right to discontinue, suspend or terminate the offering of any loan product in any specific state. Mortgageadvisoronline.com/Community Lending Services is a web site. The loan will be placed through a licensed investor. After receipt of a complete mortgage application you will receive all disclosure information required by Missouri law from the licensed investor your loan has been placed with. Mortgageadvisoronline.com/Community Lending Services along with the licensed investor does not guarantee acceptance into any particular loan program or specific loan terms or conditions. Unless expressly stated in writing nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. DISCLAIMERS AND LIMITATIONS Mortgageadvisoronline.com/Community Lending Services intends that the information contained in this Web site be accurate and reliable however, errors sometimes occur. In addition, the owner of the domain name Mortgageadvisoronline.com/Community Lending Services may make changes and improvements to the information provided herein at any time. This Web site and the information, products and services, and software associated with it are provided "as is." Mortgageadvisoronline.com/Community Lending Services disclaims any warranty of any kind, whether express or implied, as to any matter whatsoever relating to this Web site and any information, products and services, and software provided herein, including without limitation the implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. The use of the Web site is at your own risk. Mortgageadvisoronline.com/Community Lending Services and its domain name owner is not liable for any direct, indirect, punitive, incidental, special or consequential damages or any other injury arising out of or in any way connected with the use of this Web site, with the delay or inability to use Mortgageadvisoronline.com/Community Lending Services. INDEMNITY As a condition of use of this Web site, you agree to indemnify the owner of the domain name of Mortgageadvisoronline.com/Community Lending Services against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this Web site, including without limitation any claims alleging facts that if true would constitute a breach by you of this agreement. LINKS TO THIRD PARTIES This Web site may contain links to Web sites maintained by third parties. Such links are provided for your convenience and reference only. Mortgageadvisoronline.com/Community Lending Services does not operate or control in any respect any information, software, products or services available on such Web sites. Mortgageadvisoronline.com/Community Lending Services inclusion of a link to a Web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization. ERRORS AND DELAYS Mortgageadvisoronline.com/Community Lending Services and the owner of its domain name is not responsible for any errors or delays in responding to a qualification form or referral form caused by an incorrect e-mail address provided by you or other technical problems beyond our reasonable control.