Terms & Conditions of Use

SCOPE: When you use this Internet site, you and any organization you represent, (hereinafter called "the user") agree to
the following terms and conditions (hereinafter called "agreement") specified by EZ Loan Lookup, Inc. (hereinafter
called "EZL").

DURATION: This agreement starts when the user first accesses the site, and continues until either party terminates the
agreement. The user can terminate the agreement by discontinuing access to this site and by destroying all paper,
computer and disk copies of materials obtained from accessing the site. EZL can terminate this agreement by sending the
user notification to stop using the site via e-mail, telephone, fax or mail, or verbally.

CONFIDENTIALITY OF THE USER'S E-MAIL ADDRESS: When the user sends us an email, EZL will use the email
address to respond to any questions, or to send information related to the pages the visited or to materials requested. EZL
does not share or resell the user's e-mail address to third parties without first asking the user's permission to do so. EZL
receives information on the sources of hits to the site. However, the level of detail only relates to the type and geographic
location of people visiting our site, e.g. ".org", ".com" or ".ca". EZL also obtains information on the search engines used.
Neither gives EZL access to the user's e-mail address, unless the user specifically provide EZL with the address.

COPYRIGHT NOTIFICATION: All materials in this site are the copyrighted property of EZL, its affiliated companies or
licensors. The site may also contain trademarks owned by others. The user can download or print material from this site for
the user's own personal non-commercial use. However, the user must not remove any copyright or proprietary notices on
any of the information received. The user must not reproduce, republish, upload, post, transmit, distribute or publicly display
material obtained from this site without the express written permission of EZL.

LINKS: The user may not include a URL to any page on this site, without the express written permission of EZL.

DISCLAIMER: The materials provided in this site are provided "as is" and without warranties of any kind either expressed
or implied. To the fullest extent permissible pursuant to applicable laws, EZL disclaims all warranties, expressed or implied,
including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. EZL does not warrant
or represent that the information is accurate or reliable or that the site will be free of errors or viruses. Under no
circumstances, including but not limited to negligence, will EZL be liable for special or result from the use or inability to use
the materials in this site. In no event shall EZL's liability to a user for any loss, damage or claim exceed the amount paid by
the user for accessing the site.

THIRD PARTY SITES: EZL may provided links and pointers to Internet Sites Maintained by Third Parties and may from
time to time provide third party materials on this site. Neither EZL, nor its affiliates operate or control or can be held
responsible for the information, products or services on such third party sites.

BULLETIN BOARDS: This site may include bulletin boards and chat rooms ("Bulletin Boards") which allow feed-back to
EZL and real-time interaction between users. EZL does not control the messages, information or files delivered to Bulletin
Boards. It is a condition of the user's use of the Bulletin Boards and this Web Site that the user does not:

(i) Restrict or inhibit any other user from using and enjoying the Bulletin Boards.

(ii) Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane or
indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that
would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law.

(iii) Post or transmit any information, software or other material which contains a virus or other harmful component.

(iv) Post or transmit or in any way exploit any information, software or other material for commercial purposes.

(v) Post or transmit any information which contains advertising or promotion of any individual, organization or event.

(vi) By posting messages to Bulletin Boards, the user grants EZL a royalty free, perpetual, non-exclusive, unrestricted
license to use, copy, sub-license, adapt, transmit or publicly perform or display any message.

LEGAL CONSEQUENCES OF VIOLATION OF THE TERMS AND CONDITIONS: If the user violates this agreement, then
the user agrees that EZL has the legal right: (i) To be reimbursed for any reasonable legal fees associated with enforcing
this agreement and (ii) To be reimbursed for any losses, consequential losses or damages that can be attributed to the
user's actions which are in violation of this agreement.

OTHER: This agreement shall be governed by and construed in accordance with the laws of the State of Illinois without
giving effect to any principles of conflicts of law. If any provision of this agreement shall be unlawful, void, or for any reason
unenforceable then that provision shall be deemed severable from this agreement and shall not affect