A. Purpose. ReverseNetwork.com (“Provider”) contains multiple directories (“Service Provider Directories”) of service providers (“Listees”) for Reverse Mortgages. Listee companies themselves provide all the information within the Service Provider Directories.

The following Terms and Conditions govern your use of and/or membership in the ReverseNetwork.com Web Site and the materials accessible on or from the site. Please read them carefully before entering the site, and refer to them as necessary as you explore the ReverseNetwork.com Web Site. Your use of the site means that you accept all Terms and Conditions. If you do not agree with these Terms of Use, do not visit or use the ReverseNetwork.com Web Site.

A. Ownership. The information on this Web Site, along with any Materials is the copyrighted work of ReverseNetwork.com and/or its Listees or suppliers, and is protected by such law.

B. Disclaimers. MATERIALS ACCESSIBLE FROM OR ON THIS WEB SITE ARE PROVIDED "AS IS," AND ReverseNetwork.com EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RELATING TO SUCH MATERIAL, AND ANY OTHER IMPLIED OR EXPRESS WARRANTIES OR CONDITIONS OF ANY KIND. IN NO EVENT SHALL ReverseNetwork.com BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT WITHOUT LIMITATION TO, SPECIAL, INDIRECT, CONSEQUENTIAL OR INCIDENTAL DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES RESULTING FROM USE OF OR RELIANCE ON THE INFORMATION PRESENTED, LOSS OF PROFITS OR REVENUES OR COSTS OF REPLACEMENT GOODS, OR ANY OTHER LOSS WHATSOEVER.

1. Consumer. Although ReverseNetwork.com has attempted to provide reliable, accurate and current information on this Web Site as a service to its users, ReverseNetwork.com assumes no responsibility for, and makes no representations with respect to, the accuracy of the information. Provider is not responsible for any material or information contained in the linked sites or provided by Listees. All users of the ReverseNetwork.com are encouraged to make their own independent investigation and evaluation of any Listee they might consider hiring for professional appraisal service. The determination of the need for services and the choice of a particular company to work with are important decisions and should not be based solely upon listings or a Listee’s self-proclaimed areas of practice. Information contained on or made available through the ReverseNetwork.com is not intended to and does not constitute appraising advice, or recommendations of any kind under any circumstance.

2. Listees. Ultimately, the consumer makes the decision of which Listee to use. ReverseNetwork.com does not guarantee that customers will pick you over other service providers, and assumes no responsibility for, and makes no representations with respect to which Listee is chosen. Furthermore, all listings are good for one year from the date of the online launch.

ReverseNetwork.com may change the programs, products or services mentioned at any time without notice. Mention of non-ReverseNetwork.com products or services is for information purposes only and constitutes neither an endorsement nor a recommendation.

Any claims relating to the materials or the Web Site will be governed by Oklahoma law.

C. Limitations. If ReverseNetwork.com makes a request to Listees to destroy any copies of information provided on this Web Site, you will comply immediately with this request and will confirm in writing to ReverseNetwork.com within ten (10) business that you have done so.

Listees and Consumers are granted a non-exclusive, non-transferable, revocable license to perform the following actions:

• Access and use the Web Site strictly in accordance with these Terms and Conditions of Use
• Use the Web Site and Service Provider Directories solely for internal, personal, non-commercial purposes
• Print out information and search results from the Web Site provided that all copyright and other notices contained therein have been maintained and that it is done solely for internal, personal, non-commercial purposes

Access and use of the Web Site is subject to the following restrictions and prohibitions on use. You may not copy, print (except as permitted above), republish, display, transmit, distribute, sell, rent, lease, loan or make available in any form or by any means all or any portion of the Web Site including all Service Provider Directories. May not use the Service Provider Directories or any other materials from the Web Site to develop or create an information storage or information retrieval system, database, information base, or any similar information resource offered for commercial distribution of any kind. May not create compilations or derivative works of the Service Provider Directories or any other materials from the Web Site, or use the Service Provider Directories or any other materials from the Web Site in any manner that may infringe any copyright, intellectual property right, proprietary right, or property right of Provider, any Listee or any third parties. May not make any portion of the Web Site or Service Provider Directories available through any timesharing system, service bureau, Internet, or any other technology. May not use any process, automatic manual, or otherwise, to compile information from this Web Site.

D. Protection of Personal Data. ReverseNetwork.com has a Privacy Policy that describes how the company will handle any personal data Listees and Consumers provide while visiting the site, and gives you choices as to how you wish any personal data handled. You should review this document before providing any personal data on the ReverseNetwork.com site.

1. Privacy Policy. ©2007 ReverseNetwork.com. No portion of this Web site — inclusive of, but not limited to, photographs, illustrations, copy and look & feel — may be used or reproduced by any means without the express written consent of ReverseNetwork.com. All trademarks herein are the property of their respective owners who have all the rights therein. No trademarks or service marks may be used or reproduced without the express written consent of their respective owners.

We respect your privacy. The information you provide us is used to stay in communication with you via email and USPS mail. We may provide you with special offers, announcements and invitations when you provide us with your information. Your information will not be sold or shared.

To register on ReverseNetwork.com web site your name, address, phone number, email address and age are required.

ReverseNetwork.com will not send any of our customers (Listees or their customers) any unsolicited junk mail. We will not disclose our customers' information to any third-party without written consent from our customer. We will do everything in our power to ensure that the confidential information about our customer remains confidential.

In addition, it is the strict policy of ReverseNetwork.com to not send unsolicited email to any user of the ReverseNetwork.com site. Our site has been developed and is maintained in a manner that allows appraisers and lenders to enjoy a secure, spam-free environment. ReverseNetwork.com will continuously monitor and take necessary precautions against spam. Listees and consumers should find our site through non-email internet advertising, or through satisfied customer referrals. Please report suspected violations of this policy to us.

E. Third-Party Statements and Links on the ReverseNetwork.com Web Site. ReverseNetwork.com may, but is not obligated to, monitor or review statements made by third parties on ReverseNetwork.com's Web Site. Listees or other third parties may post statements or information on some portions of the ReverseNetwork.com site from time to time. ReverseNetwork.com makes no representation as to the accuracy, appropriateness, legality, ownership or other aspects of such statements or information. ReverseNetwork.com expressly disclaims any liability for such third party statements under criminal or civil laws relating to defamation, intellectual property infringement, privacy, obscenity, or any other areas of law.

Also, at times this site may contain links to Web Sites maintained by other companies, individuals or agencies which are provided as a convenience to ReverseNetwork.com consumers. These linked sites are not under the control of ReverseNetwork.com, and ReverseNetwork.com is not responsible for the accuracy of information on such sites. ReverseNetwork.com does not monitor or review the content of such third party sites and therefore advises you that your access by link to third-party sites is at your own risk.

F. Forward Looking Statements. This Web Site may contain forward-looking statements, however, actual results may vary materially.

G. Payments and Listings. All payments for listings, links and/or banner advertising will be pre-paid for a period of one year. No refunds will be issued for any payment received during or after the term of the agreement, without exception. However, in certain circumstances a credit may be issued to an account at the discretion of ReverseNetwork.com.

H. Severability and Modifications. The Terms of Use incorporate by reference all notices and disclaimers contained on the Web Site and constitute the entire agreement between you and Provider with respect to access to and use of the Web Site. If any provision of these Terms and Conditions of Use is found unlawful, void or unenforceable, then that specific provision shall be deemed severable from the remaining provisions and shall not affect the validity and enforceability of the rest of the agreement.

Provider reserves the right to change these Terms of Use at any time without notice. Updated versions of the Terms and Conditions of Use will appear on this Web Site and are effective immediately; Listees are responsible for reviewing the page from time to time to ensure compliance. Continued use of the Web Site after any such changes constitutes consent to such changes.

I. Applicable Laws. This Web Site originates from and is maintained in the Oklahoma, United States of America, and ReverseNetwork.com makes no representations regarding the legality of access to or use of the site or the materials from other countries. Use of this Web Site must be in compliance with all Oklahoma and U.S. laws and regulations, and access in countries where this material is illegal is prohibited. In addition, all use of this Web Site must be in compliance with ReverseNetwork’s protection of personal data policy listed above.