BETWEEN USER AND 123 Mortgage Solutions

Please read this agreement ("Agreement") carefully before accessing or using this Web site ("Site") By accessing or using the Site, you agree to be bound by this Agreement 123 Mortgage Solutions and its suppliers provide the information and services on this Site to you, the user, conditioned on your acceptance without modification of the terms, conditions, and notices contained herein Your use of this Site constitutes your agreement to all such terms, conditions, and notices

The information and services offered on this Site are provided with the understanding that neither 123 Mortgage Solutions nor its suppliers or users are engaged in rendering legal or other professional services or advice Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site

123 Mortgage Solutions and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, services, or other material on this Site While 123 Mortgage Solutions and its suppliers strive to keep the information on this Site accurate, complete, and up-to-date, 123 Mortgage Solutions and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness, or timeliness of the information

PERSONAL AND NONCOMMERCIAL USE LIMITATION: PROHIBITED USES

You may access, download, and print materials on this Site for your personal and non-commercial use You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other Web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site The foregoing prohibition expressly includes, but is not limited to, the practices of "screen scraping" or "database scraping" to obtain lists of users or other information If and when requested by 123 Mortgage Solutions, you agree to provide true, accurate, and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity Except with the written permission of 123 Mortgage Solutions, you agree to refrain from accessing or attempting to access password protected, secure, or nonpublic areas of this Site Unauthorized individuals attempting to access prohibited areas of this Site may be subject to prosecution

PROPRIETARY RIGHTS

All materials on this Site (as well as the organization and layout of the Site) are owned and copyrighted or licensed by 123 Mortgage Solutions and its affiliates or its suppliers Ý Copyright 123 Mortgage Solutions, 2004 All rights reserved No reproduction, distribution, or transmission of the copyrighted materials at this Site is permitted without the written permission of 123 Mortgage Solutions

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this Site, you warrant to 123 Mortgage Solutions that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices If you violate any of these terms, your permission to use the Site automatically terminates

LIABILITY DISCLAIMER

You use this Site at your own risk If your use of this Site or the materials therein results in the need for servicing or replacing property, material, equipment, or data, neither 123 Mortgage Solutions nor its affiliates are responsible for those costs

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN 123 Mortgage Solutions, ITS AFFILIATES, AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS, OR OTHER MATERIAL AT ANY TIME ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND IN NO EVENT SHALL 123 Mortgage Solutions, ITS AFFILIATES, AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF 123 Mortgage Solutions, ITS AFFILIATES, 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

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless 123 Mortgage Solutions, its affiliates, and suppliers from any liability, loss, claim, and expense (including attorneys' reasonable fees) related to your violation of this Agreement

LINKS TO THIRD PARTY SITES

Outside Links — While on this Web site, you may be led to other Web sites operated by parties other than 123 Mortgage Solutions or its affiliates Inclusion of hyperlinks by 123 Mortgage Solutions to Web sites does not imply any endorsement of the material on such Web sites or any association with their operators, and you access and use such sites, including information, material, products, and services therein, solely at your own risk We are not responsible for the quality or results or any product or service provided by these companies Review their products and services carefully Furthermore, because the 123 Mortgage Solutions privacy policy is applicable only when you are on our Site, once linked to another Web site, you should read that site's privacy policy before disclosing any personal information Their own privacy policies may be different than ours We are not responsible for the use of the information that you give these third parties

CHANGES TO AGREEMENT 123

Mortgage Corporation may modify this Agreement at any time and such modifications shall be effective immediately upon posting of the modified Agreement Accordingly, you agree to review the Agreement periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement

MISCELLANEOUS

This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed by and construed in accordance with the laws of Pennsylvania without giving effect to any principles of conflicts of law Failure by 123 Mortgage Solutions or its affiliates to insist upon strict enforcement of any provision of this Agreement shall not be construed as a waiver of any provision or right You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred Any legal action or preceding between 123 Mortgage Solutions and/or its affiliates and you related to this Agreement shall be brought exclusively in federal district court

Privacy Statement

Overview

You take online privacy seriously, and so does 123 Mortgage Solutions It's our way of sustaining your trust in our company, our products, and our services Our privacy statement describes how we collect, protect, and use customer information

There are a few simple things that you can do to safeguard your information on the Internet: keep your account number, user name, and password safe; be sure to use a secure browser and keep your virus detection software current; never open e-mail from an unknown source; and always log out of the loan status area when you're finished

When you call, our security procedures require that we ask you for information only you would know-so we're sure it's you However, no 123 Mortgage Solutions employee will ever ask you for your account password

This privacy statement applies to our online privacy policy When you become a customer, and on an annual basis, we provide you with our privacy policy entitled "Important Information About Your Privacy" For complete information regarding our privacy policies and practices for customers, please refer to that notice

What Personal Information Does 123 Mortgage Solutions Collect?

There are several opportunities on our Web sites for you to provide us with personal information, such as your:

• your name,
• mailing address, and
• e-mail address

Why Is My Personal Information Collected?

When you fill out a loan application on our site, we may ask for a variety of information to help us evaluate your eligibility and the loan product that may be right for you We may also obtain other information about you — for example, your credit report This information is used solely to determine your eligibility for a loan

Also if you choose to share any personal information with us, we may store it and use it for marketing research and other marketing purposes

How Is My Personal Information Collected in 123 Mortgage Solutions?

We collect your personal information when you register through 123 Mortgage Solutions's registration Web pages and each time you update your personal information on our Loan Status Web page

Does 123 Mortgage Solutions Use Cookies or Other Online Technologies to Collect Personal Information from Me?

Some of our Web sites may make use of "cookie" technology to measure site activity and to customize information to your personal tastes A cookie is an element of data that a Web site can send to your browser, which may then store the cookie on your hard drive So when you come back to visit us again, we can tailor information to suit your individual preferences The goal is to save you time and provide you with a more meaningful visit

When you visit one of the 123 Mortgage Solutions Web sites, we may collect and store information about your visit on an anonymous, aggregate basis We use this information only to measure site activity and to develop ideas for improving our sites This information may include:

• time and length of your visit,
• Web pages you looked at on our sites,
• Web site you visited just before coming to ours, and
• name of your Internet service provider

Do You Share My Personal Information?

In certain circumstances, we outsource work to other companies who specialize in processing work — for example, account statement printing We share with those companies only the customer information they need to do their job These companies are subject to a thorough selection process, and they are contractually required to comply with strict standards of confidentiality

We also partner with companies to offer services to you that we don't provide These services are optional and not required by us We are very careful in selecting these partners, and we require that they follow our privacy requirements These companies are also contractually required to comply with strict standards of confidentiality, and they are not permitted to use customer information for any other purpose than providing their specific product or service

What Choice Do I Have About Sharing My Personal Information?

If you are a current 123 Mortgage Solutions customer and you do not wish to receive e-mails from us, check the opt-out, box when you first access the Loan Status to opt out of receiving e-mails from us

Can I Access My Personal Information to Make Changes?

There are also several opportunities on our Web sites for you to provide us with information about you and your interests, such as your name, mailing address, and e-mail address If you choose to share any personal information with us, we may store it and use it for marketing research and other marketing purposes If you are a current 123 Mortgage Solutions customer and you do not wish to receive emails regarding discounts and special offers from us, check the opt-out box when you first access the Loan Status to opt out of receiving e-mails from us

Is My Personal Information Secure?

We're constantly improving our security standards and practices to protect your confidential information Access to your information is restricted to those employees who need it as part of their job We provide regular training for those employees on privacy and security issues

What About Children's Information?

We comply with the practices established under the Children's Online Privacy Protection Act We do not knowingly collect or retain any information from consumers under the age of eighteen

How Do I Contact 123 Mortgage Solutions If I Have a Concern About My Personal Information?

US Mail:
123 Mortgage Solutions
567 W Channel Island Blvd Suite #365
Dallas, Texas
E-mail: info@123ms4u.com


Will 123 Mortgage Solutions Make Changes to This Privacy Statement?
123 Mortgage Solutions reserves the right to alter its privacy principles as business needs require Any alterations to these principles will be posted on our Web sites in a timely manner

Assumptions

Key Assumptions

• Start Rate 1%
• (APR may vary)
• Minimum loan amount of $40,000
• Index’s may change
• Non-Owner occupied properties (Available)
• 40-year terms & 45 Year terms (available)
• 3-4 units (Rentals)(Available)
• Max loan amount 65 million
• No lender fees (Owner occupied purchase) Available
• Credit score less than 620 (rate, margin, fees and lifetime cap may vary)
• All properties subject to appraisal
• New York properties (margin may vary)
• All loans based on credit approval
• Deferred interest payment will increase 750% every year for the 1st 60 months
• Loans for purchase and refinance