TERMS OF USE AGREEMENT

These Terms of Use govern the access and use of the web sites located at www.equifaxmortgages.com ("Web Site").

LOAN INFORMATION REQUEST SERVICES

When you complete a loan information request you may be matched with up to four lender(s) that may respond with loan offers. You represent that all of the information you have provided in your loan request is true and complete. By submitting the loan information request form, you authorize Equifax to provide your information to LeadPoint, Inc. ("LeadPoint") and other third party service providers for them to share your information with participating businesses that provide products and services that match your inquiry, including participating lenders that offer the types of loan and financial products you identify in the loan information request process.

TERMS APPLICABLE TO ALL LOAN SERVICES

Equifax is not a lender and does not make loans or credit decisions in connection with loans. Equifax does not endorse or recommend the products of any particular lender on the Web Site or the Web sites of its third party service providers, such as LeadPoint. Equifax is not an agent of either you or any participating lender. Equifax's services are administrative and consultative only. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. The lender is solely responsible for its services to you, and you agree that Equifax shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services.

Equifax and/or participating lenders expressly reserve the right to discontinue, suspend or terminate the offering of any loan product in any specific state through this Web Site.

Equifax does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any participating lender; loan approval standards are established and maintained solely by individual lenders. Likewise, Equifax does not guarantee that the loan terms or rates offered and made available by participating lenders through this Web Site are the best terms or lowest rates available in the market. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement.

Equifax does not charge you a fee to use our service. Equifax is indirectly paid a fee by participating lenders for the goods, facilities and services provided. Your use of this Web Site and/or Equifax's services constitutes your agreement with this compensation arrangement.

By hitting submit you understand and agree that you are submitting an inquiry as to a lending product with Equifax and each of the lenders to whom your loan request is transmitted through LeadPoint or any other third party service provider. By submitting the loan information request you are extending an express invitation to each of the lenders that may make you loan offers to contact you by telephone, email or mail based on the information you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list.

INDEMNITY

As a condition of use of this Web Site and/or Equifax services, you agree to indemnify Equifax and its suppliers, including without limitation LeadPoint or any other third party service provider, or lenders from and 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 these terms of use.

ERRORS AND DELAYS

Equifax 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.

DISCLAIMER

The services offered at this Web Site are provided "as-is", with no warranties of any kind. In no event will Equifax or its affiliates be liable to any party for any direct, indirect, special or other consequential damages for any use of or reliance upon the information found at this Web Site, or on any other linked web site, including, without limitation, lost profits, business interruption, loss of programs or other data, even if Equifax is expressly advised of the possibility of such damages.

NON-EQUIFAX SITES

Equifax makes no representations, warranties or endorsements with respect to any Web site that may be accessed from the Web Site. When you access a non-Equifax Web site, please understand that Equifax has no control over the content or information at that site. It is your responsibility to protect your system from such items as viruses, worms, Trojan horses and other items of a destructive nature.

INTELLECTUAL PROPERTY RIGHTS

The Web Site contains many of the valuable trademarks, service marks, names, titles, logos, images, designs, copyrights and other proprietary materials owned, registered and used by Equifax Inc. and its affiliated companies, including but not limited to, the registered mark "Equifax"; any unauthorized use of same is strictly prohibited and all rights in same are reserved by Equifax Inc. and its affiliated companies. Other products and company names mentioned in the Web Site may be the trademarks of their respective owners.