This Agreement together with your Broker Order sets forth the Standard Terms and Conditions that apply to your use of GoApplyLeads® services. GoApplyLeads is a registered service mark and dba of Go Apply, LLC. a Nevada Limited Liability Corporation and any reference in this "Terms of Service Agreement" to GoApplyLeads shall be considered one in the same with Go Apply, LLC. The Broker Order you completed in conjunction with your account activation and any specific Insertion Order subsequently issued between you and GoApplyLeads, is incorporated herein by this reference and is made a part of this Agreement and is incorporated herein by this reference as though fully set forth herein.

TERMS AND CONDITIONS FOR USE OF GoApplyLeads SERVICES, RECEIPT OF CONSUMER CONTACT INFORMATION AND FOR USE OF THE GoApplyLeads.com WEBSITE.

BY VISITING OR USING THE GoApplyLeads WEBSITE, OR ANY PAGE OF THE www.goapplyleads.com WEBSITE, YOU ARE AGREEING TO BE BOUND BY THESE TERMS OF SERVICE, AND THAT SUCH AGREEMENT CONSTITUTES A BINDING CONTRACT BETWEEN YOU AND GoApplyLeads. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, PLEASE DO NOT VISIT OR USE THE GoApplyLeads WEBSITE OR ANY PAGE OF THE GoApplyLeads WEBSITE.

Definitions: For the purposes of this Agreement, the terms set forth below shall have the following meanings:

• "Agreement"  refers to this Terms of Service Agreement AND your Broker Order;
• "Broker Order"  shall mean one or more separate documents governed by this Agreement specifying the parameters of the Leads, including the Fees for obtaining and using such Leads, made available to Broker and in accordance herewith;
• "you" and "yours,"  refer to you, a visitor/User to the GoApplyLeads website, as well as anyone you authorize to visit and use the GoApplyLeads website on your behalf;
• "eLeadz," "us" "we," and "our" and "ours"  refer to Go Apply, LLC., dba GoApplyLeads and any affiliates of Go Apply, LLC., dba GoApplyLeads whose products or services are offered on the GoApplyLeads website;
• "goapplyleads.com website"  refers to the website located at www.goapplyleads.com and related pages, or any linked pages and websites hosted or sponsored by GoApplyLeads;
• "Consumer"  shall mean an individual seeking a mortgage loan quote or service whose personally identifiable information is the subject of a Lead;
• "Lead" shall mean a mortgage loan request generated via lawful means either through traditional media, internet or telemarketing campaigns whether conducted by or on behalf of Go Apply, LLC. or purchased from wholesale vendors and thereafter provided to Broker and that contains information substantially similar to the sample Lead displayed at http://www.goapplyleads.com/index.cfm?fuseaction=highlights.samplelead;
• "Duplicate Lead"  shall mean a Auto-Routed or Overstock lot Lead that has been received by Broker from GoApplyLeads within the previous thirty (30) days or a Lead Locator Lead within the previous ninety (90) days from a Consumer identified by the same first and last name, property address, email address or phone number, as applicable;
• "Valid Lead"  shall mean a Lead that meets one of the following criteria: (i) the lead does contains a valid name, one valid contact phone number and is not for a Consumer who is subsequently proven to be a victim of identity theft; (ii) the Lead is not a Duplicate Lead, and (iii) the Lead is not for financing raw land, a mobile home or commercial property;
• "Real Time Lead"  shall mean a Valid Lead that was completed by a consumer online and directly submitted to the GoApplyLeads.com database, electronically or manually validated by us and made available for purchase by a broker or lender within twelve (12) hours of the submission by the consumer; or is a Valid Lead received during normal business hours into the eleads.com database in a batch file format from a contracted vendor or affiliate who received the Valid Lead from the consumer and GoApplyLeads.com has verified via telephone conversation with the consumer as being current, legitimate and accurate and thereafter made available for purchase by a broker or lender within twelve (12) hours of receipt from any such source, regardless of the age of the data provided by the consumer within the lead itself.
• "Fresh Lead"  shall mean a Valid Lead that has entered into the GoApplyLeads database from a variety of commercial sources and made available for purchase by a broker within 3 business days of receipt, regardless of the age of the data the consumer entered.
• "Invalid Lead"  shall mean a Lead that meets one of the following invalidation criteria: (i) the lead does not contain a valid name and one valid contact phone number; (ii) the Lead is a Duplicate Lead, (iii) the Lead is for financing raw land, a mobile home or commercial property, or (iv) the lead is for a Consumer who is subsequently proven be a victim of identity theft;
• "Auto-Routed"  leads are leads that are automatically sent to a Broker each business day according to unique filtering criteria and lead delivery method(s) established from time-to-time by Broker;
• "Overstock Lot"  leads are leads that are designated by GoApplyLeads specifically as Overstock Lot Leads and are available for distribution and sale; have been in GoApplyLeads inventory between one (1) business day and twelve (12) business weeks; that may have been previously routed to another Broker(s); which may be made available to Broker at a discounted rate and are leads that are manually chosen by Broker from the inventory listing found on our website www.goapplyleads.com after log-in by Broker into their user account.
• "Vintage Lead" shall mean a Valid Lead that was received by GoApplyLeads, regardless of source, thirty calendar days or older from the date the consumer submitted the information to Go Apply or a Go Apply contracted affiliate provider.

Privacy Policy

eLeadz is committed to maintaining the privacy and security of any and all information that you provide to GoApplyLeads through the GoApplyLeads.com website. To that end, GoApplyLeads urges you to review the GoApplyLeads Privacy Policy, which may be accessed by clicking on the following link: Privacy Statement

Please note that privacy policies of GoApplyLeads's affiliates or third parties may apply to information you provide on the GoApplyLeads.com website. In addition, websites linked to the GoApplyLeads.com website may have separate privacy policies.

Use and Limitations of the GoApplyLeads.com website

Except where we specify otherwise, GoApplyLeads offers you access to the GoApplyLeads.com website solely for your personal and non-commercial uses. You promise that you will not use the GoApplyLeads.com website, in whole or in part, for any purpose that is unlawful or prohibited by this Agreement. You agree that you will not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another web page, use on any other website, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the GoApplyLeads.com website. This means, among other activities, that you agree not to engage in the practices of "screen scraping," "database scraping," or any other similar activity. You agree that you will not use the GoApplyLeads.com website in any manner that could damage, disable, overburden, or impair the GoApplyLeads.com website or interfere with any other party's use and enjoyment of the GoApplyLeads.com website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the GoApplyLeads.com website.

If and when requested by GoApplyLeads.com, 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 GoApplyLeads.com, you agree that you will not access or attempt to access password protected, secure or non-public areas of the GoApplyLeads.com website.

You agree that GoApplyLeads may in its sole discretion and at any time terminate your access to and use of the GoApplyLeads.com website, or any part thereof, with or without notice.

The GoApplyLeads.com website contains content and information originated by GoApplyLeads, affiliates of GoApplyLeads or unaffiliated third parties. GoApplyLeads makes available such content and information through the GoApplyLeads.com website as a public service, for the sole purpose of aiding you, the individual Broker. GoApplyLeads, therefore, cannot guarantee the accuracy, sufficiency, correctness, veracity, completeness, or timeliness of such information. You are responsible for confirming the sufficiency and reliability of any such information. This means, for example, that all of the information and materials contained in the GoApplyLeads.com websiteincluding any terms and conditions necessary to obtain a loan or other products or servicesare subject to change at any time. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final GoApplyLeads determination and acceptance.

E-Signatures and Communications

All electronic communications, including any electronic signatures or identifiers of GoApplyLeads, are being transmitted solely for informational purposes. By making an electronic communication, GoApplyLeads specifically does not intend to agree, bind, or otherwise consent to any matter for any purpose whatsoever, including loan brokering, loan processing or loan approval, and does not intend that the electronic communication, or any related or associated electronic media or data, to constitute, or to be deemed to constitute, an electronic signature pursuant to any state or federal law or regulation that authorizes the use of electronic signatures.

USER ELIGIBILITY

Our services are only available to principals and employees of duly organized and licensed mortgage brokers or lenders or loan originators whose state licenses are in good standing and who meet our eligibility criteria. GoApplyLeads, in our sole discretion, reserves the right to determine the eligibility of Broker to receive Leads. Our "Eligibility Criteria" shall mean the following criteria as applied to a Broker:

• Broker must be licensed and in good standing as a residential mortgage broker in all applicable jurisdictions with all applicable regulatory authorities;
• Broker must not engage in, be known to or have a reputation for engaging in, predatory lending practices or other conduct which violates applicable law, regulations, rules of conduct or ethics codes of brokers;
• Broker must not engage in fraud or unfair competition or practices in violation of privacy and/or anti-spam laws;
• That neither you nor anyone in your charge engages or condones any prohibited activity(s) or conduct referenced above; and
• That you are authorized to enter into this Agreement and that the performance of the respective obligations hereunder do not violate any other agreement to which you are a party.

USER CONDUCT and Broker "Best Practices"

Your entering this website, establishing a broker account, funding a broker account and/or purchasing of leads through this website shall represent your acceptance of these terms and is your warrant and representation to us that your conduct in performing your obligations under this Agreement will conform to all of the Terms of Service set forth herein and all applicable, international and/or federal, state and local laws, rules and regulations including, without limitation, the provisions of the published GoApplyLeads Privacy Policy; all privacy laws and anti-spam laws (including, but not limited to, the Graham-Leach-Bliley Act, the Do-Not-Call Telephone Solicitation Implementation Act of 2003 and the Telephone Consumer Protection Act of 1991), laws regarding email marketing (including, but not limited to, the CAN-SPAM act of 2003), and the Fair Credit Reporting Act.

If, after you contact a Lead, and the Consumer requests to be removed from any further contact from you and/or GoApplyLeads, you agree to comply with this request for your own records AND you agree to forward that Consumer's request to GoApplyLeads via e-mail at opt.out@goapplyleads.com within ten (10) business days of your receipt of the request.

Upon the delivery of Leads, You represent, warrant and agree to:

• Contact the Consumer in a timely fashion;
• Offer your most competitive rates and terms to the Consumer (lowest rates and fees for borrowers and loans of like characteristics) without regard to payments to GoApplyLeads under this Agreement;
• To not pass through to the Consumer the payments you made to GoApplyLeads to obtain the Lead under this Agreement;
• To offer your highest level of service to the Consumer;
• That you will not use or disclose any of the Consumer information in violation of any applicable state, federal or local law, rule or regulation (including, without limitation, any applicable privacy laws and the Fair Credit Reporting Act);
• That you will not use or disclose any of the Consumer information for any other purpose or use (whether by You or any other person or entity associated with You) other than for You to provide the Consumer a direct quote for a loan, including, but not limited to selling, renting, leasing or transferring the information contained in the Lead to any person or entity other than Broker or using the information either yourself or through any of Your affiliates or any other person or entity to offer any other products or services or contacting the Consumer for any other reason. If You or anyone affiliated with you breaches any of the provisions in this Section, then (i) You agree to indemnify, defend and hold harmless GoApplyLeads for all Claims arising out of or related to such breach in accordance and (ii) GoApplyLeads may immediately terminate this Agreement without notice or a right to cure;
• To respect a prospective borrower's privacy and if received, their demand to be removed from any future contact list by you and to report same to GoApplyLeads via e-mail at opt.out@goapplyleads.com within ten (10) business days of your receipt of the request;
• TO COMPLY WITH STATE AND FEDERAL DO-NOT-CALL LAWS. eleadz does not guarantee the consumer is not registered a Do-Not call List. GoApplyLeads, despite our efforts to ensure our leads are within Do-Not-Call legal guidelines, cannot legally stand in your place and absolve you from your responsibility to be in compliance with the law. State and federal Do-Not-Call registries exist to prevent unsolicited telemarketing calls, not calls from persons who have asked to be contacted. Under Federal rules (and most all states), "safe harbors" exist to allow a Consumer to expressly grant permission to be contacted even though they have registered their phone number with a state or federal Do-Not-Call registry. A Consumer submitting a Quote Request via the internet to GoApplyLeads is granting permission to be contacted and under safe harbor rules they may be contacted up to 90 days after they submitted the permissive contact Quote Request. If you are purchasing vintage lead data exceeding 90 days old, YOU ASSUME ALL RISK of liability under state or federal Do-Not-Call regulations.  We, along with those affiliates contracted with us, take extraordinary steps to ensure the Consumer knows and understands that by submitting their Quote Request they are granting express permission to be contacted by one or more brokers or lenders signed up with us, even if they are registered on a Do-Not-Call registry. We also provide to the Consumer a list of all brokers and lenders subscribing to our service who may be contacting them. Finally we record the date, time and IP address for all Quote Requests received by us and can make such data available to you should you need to show when and from where permission to be contacted occurred. NEVERTHELESS, and despite our extraordinary efforts, current law holds you, the caller (telemarketer) responsible to comply with the Do-Not-Call rules. THEREFORE, if you are unsure about your exposure to fines under the Do-Not-Call laws, we recommend that you work with your independent counsel to develop and implement a compliance plan for your business.

REGISTERING FOR SERVICE - BROKER ORDER-NON-REFUNDABLE Account Activation Fee

Registration is available to eligible members only. You may only register one time for our service. To register, you must complete a Broker Order wherein you provide your business contact information, billing information, initial lead type and filter criteria, and your initial lead block purchase commitment(s). The Broker Order is a legally binding contract and is part of this Terms of Service Agreement, incorporated herein by this reference as though fully set forth herein. After you register, you may set up sub-accounts if you need to have more filters or set up accounts for other loan officers at your company. Your user account shall be provisionally activated when Go Apply, LLC has received your fully executed Broker Order, and you affirmatively agree to this Terms of Service Agreement. Full activation will occur and your account is ready to purchase leads, only when Go Apply, LLC has received your fully completed and legible. ID verification, your account activation fee of $500 and confirmation that your account activation fee payment was cleared by your bank, PayPal^® or Credit Card Company. You can expect a processing delay of up to ten (10) business days from the date you authorize payment on your credit card or the date we receive your check for your account activation payment to clear your bank or Credit Card Company. Upon clearance of your payment, your Broker Account shall be credited with an equal dollar amount of store credit which will be made available in your account for you to use toward the purchase of your initial block commitment of leads. THE FULL AMOUNT OF THE ACCOUNT ACTIVATION FEE IS CONSIDERED EARNED WHEN YOUR ACCOUNT IS ACTIVATED AND THEREFORE IS NON-REFUNDABLE FOR ANY REASON THEREAFTER.  STORE CREDITS MAY ONLY BE USED TOWARDS PURCHASE LEADS FROM US AND CANNOT BE EXCHANGED FOR CASH VALUE EVEN IF YOU DECIDED TO TERMINATE YOUR ACCOUNT. NO EXCEPTIONS. All terms and conditions of this Terms of Service agreement apply during the provisional activation period. Go Apply, LLC reserves the right to deactivate your account at any time during without prior notice to you.

BUYING LEADS

You may only purchase leads once your account has been activated and there are sufficient store credits or funds on deposit in your user account to purchase the leads you choose. Your account shall be debited for the cost of the lead(s) you ordered when those leads are available to you for download from your GoApplyLeads account regardless of the service level and delivery method you choose. It is your responsibility to manage your own account activity. FROM TIME TO TIME SPECIAL LEAD PRICES AND PROMOTIONS ARE EXTENDED TO BROKER SUBSCRIBERS. WHEN OFFERED, SPECIAL LEAD PRICES ARE EXTENDED TO ACCOUNT HOLDERS ON THE EXPRESS CONDITION THAT THE ACCOUNT HOLDER PURCHASE THE ENTIRE LEAD VOLUME COMMITMENT AGREED TO IN THE OFFER EXTENDED. SHOULD YOU ACCEPT AND PARTICIPATE IN ANY SUCH SPECIAL LEAD PRICE OFFERS AND PROMOTIONS, ANY REDUCTION IN THE CONTRACTED VOLUME COMMITMENT OR REQUEST FOR ACCOUNT TERMINATION PRIOR TO YOU FULFILLING YOUR TOTAL PURCHASE COMMITMENT UNDER THE PROMOTION, WILL VOID THE PROMOTIONAL PRICING RETROACTIVE TO THE START DATE OF THE PROMOTION ITSELF AND WILL RESULT IN A FULL CURRENT MARKET PRICE CHARGE ASSESSMENT BEING LEVIED FOR EACH LEAD PURCHASED FROM THE PROMOTION START DATE UP TO THE POINT OF REDUCTION OR TERMINATION. All leads sold by GoApplyLeads are non-exclusive and may be sold to multiple brokersaccording to filtering criteria established by individual brokers and the lead data itself. An administrative account maintenance fee of twenty-five ($25) dollars per calendar month applies to all open accounts with no activity during that month. An automatic debit from funds on deposit in your account in the amount of $25 will occur each calendar month your account remains inactive. This administrative fee is waived each month IF you actively utilize your account by purchasing a lead(s).

There are currently two service levels available to you, Auto-Routed Leads and Manually selected leads through our Overstock Lot. You can combine the levels of service if you choose at any time. Lead costs vary depending on the type of service you request and the type and age of lead requested. Regardless of the level of service and type of lead requested, with the exception of your initial Block and volume commitments set forth in your initial Broker Order, if you decide to buy leads, the price for the leads will be based on the GoApplyLeads pricing schedule in effect at the time you buy the leads. YOUR PURCHASE IS A BINDING CONTRACT subject to the guarantee, return, refund policies and other terms set forth in this Terms of Service Agreement and in your initial Broker Order. Your account will be immediately debited for the total initial commitment amount(s) you agreed to in your Broker Order. After your Initial Commitment is satisfied as set for below, your account will be immediately debited for the total purchase amount based upon the current market price for the leads you accept as stated in the GoApplyLeads pricing schedule in effect at the time you buy the leads. Your account shall be debited for the cost of the lead(s) you ordered at the time those leads are made available to you for download through your GoApplyLeads account regardless of the service level and delivery method you choose or your actual retrieval of the leads.

Auto-Routed Lead Block Initial Volume Commitment: By establishing and activating your user account for Auto-Routed lead delivery, you are committing yourself to purchase an initial block of leads towards which you received store credit equal to your activation fee. Any funds initially deposited by you into your account in excess of the account activation fee of $500 shall be made available to you to use in your Initial Block Purchase.  Your initial block commitment is to be delivered to your user account during the first sixty (60) days of service. Leads will be automatically delivered to your user account each business day during this sixty (60) day period or until your initial block deposit is exhausted, according to the delivery days and filter criteria you select. Filter criteria can be changed as often as you choose. It is your responsibility to manage your own account. On or before the 60th day of your block commitment, you must purchase a sufficient quantity of leads to satisfy your initial block commitment to us in full. If you do not, you hereby grant us permission to automatically purchase the quantity of leads sufficient to satisfy your initial block commitment and to automatically deliver those leads to your account that day, regardless of any daily volume limitations you have previously established. You further hereby authorize us to use the remaining funds and unused lead credits in your initial block deposit on the 61st day for the final lead delivery payment. You will be charged a fee per lead for those leads auto-routed to your user account as called out in your initial block commitment insertion order or if no written Insertion Order was executed, the prevailing market price for those leads at the close of business on the 60th day following your account activation. Your initial Block Commitment is non-cancelable during the initial sixty (60) day period following your user account activation date. Beginning on the 61st day following your user account activation, our normal and customary per lead charges in effect each time you log into your account to purchase a lead shall apply to all leads purchased through your user account. Prices subject to change without notice.

Minimum Overstock Lot Lead Volume Commitment: By establishing  and activating your user account for Overstock Lot lead delivery, you are committing yourself to purchase an initial number of leads towards which you received store credit equal to your activation fee. Any funds initially deposited by you into your account in excess of the account activation fee of $500 shall be made available to you to use in your Initial Block Purchase. Your initial block commitment is to be delivered to your user account during the first sixty (60) days of service. You will be immediately charged an initial volume commitment fee based upon your lead volume commitment. You must manually choose the leads you would like from our Overstock Lot lead inventory. You have sixty (60) calendar days from the date your user account is activated to access, download and accept Leads from our Overstock Lot, up to the total volume of leads you committed to in your Broker Order. On or before the 60th day of your block commitment, you must purchase a sufficient quantity of leads to satisfy your initial block commitment to us in full. If you do not, all unused funds and store credits remaining in your account following your initial block deposit shall on the 61st day, be used to automatically purchase the quantity of leads of the type last purchased through your account sufficient to satisfy your initial block commitment which shall be automatically delivered to your account that day, regardless of any daily volume limitations you have previously established. During the first sixty (60) calendar days after your user account is activated, you will not be charged an additional per lead fee for those Overstock Lot leads chosen by you and routed to your user account until you have accepted and downloaded the total number of leads called out in your initial Overstock Lot Volume commitment Insertion Order or if no written Insertion Order was executed, the prevailing market price for those leads at the close of business on the 60th calendar day following your account activation. Your initial Overstock Lot Volume Block Commitment is non-cancelable during the initial sixty (60) day period following your user account activation date. Beginning on the 61st day following your user account activation, our normal and customary per lead charges in effect each day you each time you log into your account to purchase a lead shall apply to all leads purchased through your user account. Prices subject to change without notice.

Vintage Lead Sales:  All Vintage Lead sales are subject to the terms set forth in section 8 of the "USER CONDUCT" portion of this Terms of Service Agreement and are sold on an AS-IS basis and are final.  All Vintage Lead Sales shall be evidenced by a separately prepared and executed Broker Insertion Order Agreement.  All such insertion Orders are hereby incorporated herein by this reference as though fully set forth herein.

FUNDING YOUR ACCOUNT

The Following minimum charges apply:

• Account Activation Fee and the applicable store credits applied to your Initial Block Commitment agreement are Non-Refundable: Minimum deposit of $500.00 required.
• CONTINUING USER ACCOUNT MINIMUM deposit amount *: $250 (* Minimum amount accepted for a deposit made to your user account.)

We offer three methods by which you may fund your account.

POSITIVE ID IS REQUIRED FOR ALL CHECK AND CREDIT CARD FUNDINGS.

(1) Credit card: WHEN YOU USE THIS WEBSITE TO PLACE ANY AMOUNT OF YOUR GoApplyLeads ACCOUNT DEPOSITS ON YOUR CREDIT CARD, YOU ARE THE ONE MAKING THE CHARGE, NOT GO APPLY. ONLY YOU CAN MAKE A CHARGE AGAINST YOUR CREDIT CARD; GO APPLY DOES NOT STORE YOUR FULL CREDIT CARD NUMBER WHEN YOU USE YOUR CREDIT CARD TO FUND YOUR GoApplyLeads ACCOUNT NOR DO WE MAKE ANY REOCCURING CHARGES AGAINST YOUR CREDIT CARD UNLESS YOU GRANT US FULL AUTHORIZATION TO DO SO IN WRITING. If you use a credit card to fund your account, YOU AGREE TO NOT CHARGE BACK YOUR CARD for any reason until you contact us to try and resolve your dispute. If you are dissatisfied with our services or any Lead or Leads you have purchased using your credit card you must follow the return/refund policy and procedures set forth under this Terms of Service Agreement. In the event you breach this term and you charge back your credit card for all or partial amounts within your account, we will dispute the chargeback if we feel your claim is without merit. If we are called to defend against a chargeback initiated by you or your authorized agent, you will be charged an administrative service fee of one hundred ($100) dollars, which you agree to pay in addition to the amount of the Lead purchase fee due for Leads you have received to the date of the chargeback. Your user account balance will not reflect a deposit made until your credit card company has processed your payment into Go Apply LLC.'s merchant account. This date may differ from the date you actually authorize your payment.

(a) Credit Card Protection Policy: In an effort to protect both Go Apply and You from experiencing an unauthorized use of your credit card, the following policies are mandatory for all brokers when funding accounts using a credit card. NO LEADS WILL BE ROUTED TO YOUR ACCOUNT UNTIL THE FOLLOWING ID VERIFICATION SAFEGUARDS HAVE BEEN FULFILLED:

• For all New Broker accounts funded with a credit card: You must provide our accounting department with a legible fax of an enlarged copy of your driver's license and Credit Card used to fund your account. You may fax these to 949-266-5646. The name on both the driver's license and the credit card must be the same, NO EXCEPTIONS. If you prefer, you may block out all but the last 5 digits of the credit card number prior to faxing it. The faxed document must reference the broker account number you have been assigned when you opened your account.
• For all Existing Broker accounts funded with a different credit card: If you are funding your existing account with a credit card other than the one used to open your account initially, you must provide our accounting department with a legible fax of an enlarged copy of your driver's license and Credit Card used to fund your account. You may fax these to 949-266-5646. The name on both the driver's license and the credit card must be the same, NO EXCEPTIONS. If you prefer, you may block out all but the last 5 digits of the credit card number prior to faxing it. The faxed document must reference the broker account number you have been assigned when you opened your account.
• For all Existing Brokers opening additional accounts: You must provide our accounting department with a legible fax of an enlarged copy of your driver's license and Credit Card used to fund your additional account. You may fax these to 949-266-5646. The name on both the driver's license and the credit card must be the same, NO EXCEPTIONS. If you prefer, you may block out all but the last 5 digits of the credit card number prior to faxing it. The faxed document must reference the broker account number you have been assigned when you opened your account.

(2) Check or Draft: If you use a check, including a fax check to 949-606-9273, you agree to not stop payment on the check for any reason. If you are dissatisfied with our services or any Lead or Leads you have purchased using your check or draft you must follow the return/refund policy and procedures set forth under this Terms of Service Agreement. If your check or draft is not honored by the bank for any reason, you are subject to and will be charged a return check fee equal to three (3) times the face value of the check up to a maximum of one hundred ($100) dollars, which you agree to pay in addition to the check face amount. Your user account balance may not reflect a deposit made into your user account until your check been deposited into our bank, processed and has cleared your bank. This date may differ from the date you send your payment or the date we receive your check. ALL CHECKS MUST BE ACCOMPANIED BY A CLEAR ENLARGED COPY OF A VALID DRIVER'S LICENSE FOR THE SIGNER OF THE CHECK.

(3) PayPal: If you use PayPal, payments are to be made to GoApplyLeads's PayPal vendor account at paypal@goapplyleads.com. YOU AGREE TO NOT REQUEST A CHARGE BACK AGAINST THE CREDIT CARD used to fund the PAYPAL payment for any reason. If you are dissatisfied with our services or any Lead or Leads you have purchased using your credit card you must follow the return/refund policy and procedures set forth under this Terms of Service Agreement. In the event you breach this term and you charge back your credit card for all or partial amounts within your account, you will be charged a collection fee of one hundred ($100) dollars, which you agree to pay in addition to the amount of the lead purchase fee due for leads you have received to the date of the chargeback. Your user account balance will not reflect a deposit made until PayPal has processed your payment into Go Apply, LLC.'s PayPal account. This date may differ from the date you actually authorize your payment.

In any of the above circumstances, ALL UNPAID ACCOUNTS WILL BE SENT TO COLLECTIONS. In addition to the account balance owed to us and chargeback collection fee of one hundred ($100) dollars,  you will be responsible to pay any collection costs of not less than 40% of the outstanding balance in addition to reasonable attorney fees and court costs.

Automated Lead Delivery

A Lead, whether it is through Auto-Routing or through our Overstock Lot, is considered delivered when it is made available to you in your broker account and available to you for retrieval, regardless of any supplemental delivery method you may request. For Brokers that GoApplyLeads determines meet the technical requirements and operational and funding eligibility criteria, Leads shall be provided to your account pursuant to the parameters defined in your initial Broker Insertion Order and according to the filtering criteria you may from time-to-time select. IT IS UP TO YOU, THE BROKER TO SET AND MONITOR YOUR DELIVERY CRITERIA. We will not change or alter your settings without your permission.

Leads are delivered to you through our automated delivery system according to the price and filter criteria you choose. Broker may choose to have Leads automatically retrieved ("Auto-Routed") from your account by our automated lead delivery system and provided to you by email or by fax; however, this does not change the delivered status once in your account nor does such an election eliminate your responsibility to check your account on a regular basis to ensure your leads are being retrieved. Auto-Routed Leads are normally delivered throughout a business day during each Business Week throughout the year, as they are received into our database and cleared through our quality assurance check. GoApplyLeads shall endeavor to make Leads available as soon after submission as is practical given quality assurance testing and lead volume loads experienced. GoApplyLeads shall have no responsibility for any service or server outages or failure of Broker's email system, fax system or Internet access.

eLeadz defines a "business day" as follows:

• Each 24 hour period beginning at 12:01 A.M. Pacific Standard Time through 12:00 midnight Monday through Friday shall be considered as one business day.
• Saturday and Sunday are not considered as business days.
• With the exception of New Years Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day, all other Holidays are considered business days.
• All Leads received on non-business days shall be delivered on the next Business Day.

eLeadz defines a "business week" as comprised of five (5) consecutive business days Monday through Friday.

LEAD CONTENT AND LIMITED GUARANTEE

Auto-Routed Leads: This is the most convenient and highest level of service available. Lead costs reflected under this superior level of service are influenced by the filter choices you make. By electing this level of service, leads are automatically sent to you each business day based upon the filter criteria you choose. When reference is made on our website as to the age of a lead, that age is stated in terms of business days, not calendar days.

Leads are procured from varying commercial resources. GoApplyLeads employs internal data validation procedures and makes every effort to ensure you receive only valid leads. These efforts may include a 24 hour lock-down period to phone verify the leads before they are distributed. Nevertheless, as the actual age of the data received may be different than the date GoApplyLeads received the lead, occasionally a lead may contain information that, though consistent with our validation criteria, is no longer valid.

We offer a Limited guarantee that each Auto-Routed Lead to be a valid lead as defined in the "Definitions" section of this Agreement. Leads provided under your Initial Block Commitment that are subsequently shown to be Invalid Leads as defined in prior sections of this Agreement, will be replaced with a valid lead or be issued a store credit to your GoApplyLeads account for the cost of invalid lead up to the maximum return allowance as defined in subsequent sections of this Agreement. YOU ARE NOT ENTITLED TO ANY CASH REFUNDS FOR STORE CREDITS PROVIDED TO YOU DURING YOUR INITIAL BLOCK COMMITMENT PERIOD. For leads purchased after your initial Block Commitment period, we will issue a store credit to your GoApplyLeads account for the amount you paid for an Automatically Routed Lead that is subsequently shown to be an Invalid Lead as defined in prior sections of this Agreement according to our standard lead dispute and refund policy set forth in this Agreement.

Data provided within a lead is inputted solely by the Consumer and not GoApplyLeads or anyone affiliated with us. Consumers do not submit their contact information directly to GoApplyLeads. A lead may come to GoApplyLeads from a variety of provider commercial sources only some of which may be owned by us. WE DO NOT GUARANTEE THE AGE OF THE DATA CONTAINED IN A LEAD, THE AGE OF THE CONSUMER'S OPT-IN REQUEST OR WITH WHOM THEY ORIGINALLY SUBMITTED THEIR OPT-IN CONTACT INFORMATION OR THAT THE CONSUMER, WHEN CONTACTED, WILL REMEMBER SUBMITTING THEIR CONTACT INFORMATION ON AN OPT-IN REQUEST. WE DO NOT GUARANTEE THAT THEIR EMAIL ADDRESS IS CORRECT OR THAT THEIR STATED HOME VALUE, REQUESTED LOAN AMOUNT, CREDIT QUALITY, OR INTEREST RATE IS EXACTLY CORRECT AS THESE ARE ESTIMATES ENTERED BY THE CONSUMER WHEN COMPLETING THE APPLICATION. HOW YOU APPROACH AND HANDLE EACH LEAD IS UP TO YOU AND NOT UNDER THE CONTROL OF GoApplyLeads. AS SUCH, WE DO NOT GUARANTEE YOUR RESULTS OR THAT YOU WILL CLOSE ANY LOANS WITH OUR LEADS. Since most of our leads are non-exclusive, the Consumer may have started a loan process with another Loan Officer, so this is not a valid reason for a dispute, refund or credit. Similarly, Consumers often will change their mind after they submit a request for contact and thus may not be willing to apply for a loan with you, so this is not a valid reason for a dispute, refund or credit. We recommend contacting the Consumer as soon as you get the lead so you can be the first to earn their business.

eLeadz reserves the right to change or adjust this policy without prior notice to you. You are therefore encouraged to periodically review this Terms of Service Agreement.

Overstock Lot Leads: Under this option, you must manually choose the leads you wish to purchase each time you log into your account. Lead costs are discounted for this level of service and leads may range in age from one (1) business day to fourteen (14) business weeks old. Since these leads are non-exclusive and these Leads tend to be older than the leads provided under the Auto-Routed Leads option stated above, there is a chance the Consumer may already be working with another Loan Officer so this is not a valid reason for you to dispute the lead. However, we find that brokers still have a great return on their investment with our older leads.

Overstock Lot leads older than two business days are sold "As-Is" and no warranty or guarantee is expressed or implied and you assume all risks relating to that lead and your use of it. NO REFUNDS OR STORE CREDITS WILL BE GIVEN ON ANY OVERSTOCK LOT LEAD OLDER THAN TWO (2) BUSINESS DAYS FROM ITS MAKING -NO EXCEPTIONS.

Data provided within a lead is inputted solely by the Consumer and not GoApplyLeads. WE DO NOT GUARANTEE THE AGE OF THE DATA CONTAINED IN A LEAD OR THAT THEIR EMAIL ADDRESS IS CORRECT OR THAT THEIR STATED HOME VALUE, REQUESTED LOAN AMOUNT, CREDIT QUALITY, OR INTEREST RATE IS EXACTLY CORRECT AS THESE ARE ESTIMATES ENTERED BY THE CONSUMER WHEN COMPLETING THE APPLICATION. WE DO NOT GUARANTEE THAT THE CONSUMER HAS NOT CHANGED THEIR MIND OR THAT THEY HAVE NOT ALREADY REFINANCED WITH ANOTHER BROKER. These leads are discounted to accommodate for such circumstances. As they are older leads and likely previously distributed leads, these situations are likely to occur. How you approach and handle each Lead is up to you and not under the control of GoApplyLeads. As such, WE DO NOT GUARANTEE YOUR RESULTS OR THAT YOU WILL CLOSE ANY LOANS WITH OUR LEADS.

eLeadz reserves the right to monitor your disputes and returns to determine their validity. GoApplyLeads reserves the right to verify your dispute rationale and in our sole discretion, determine if your dispute is valid. In the event your dispute is determined to be without merit, the charge for the valid lead will stand against your account, no credit will be issued, and a dispute validation penalty will automatically be charged to your account according to the terms set fort in our Lead Return Policy. You will be notified via your account report of our actions to accept or deny your dispute within ten (10) working days of receipt of your dispute. ABUSE OF THIS RETURN POLICY WILL NOT BE TOLERATED. In the event we determine in good faith that your dispute is without merit according to our lead return policy and that you are abusing our return policy based upon the number or frequency of disallowed returns, in addition to not receiving a credit of the lead cost, your account will automatically be charged a dispute validation fee of $10 for each disputed lead proven to be without merit. In addition to all other remedies under this contract and in law, GoApplyLeads reserves the right to terminate your account if abuse of this Lead Return Policy is proven to exist.

Lead Locator Leads: This option allows you to purchase a large number of non-exclusive real property and consumer data files at severely discounted rates. This data is NOT collected in real time but rather is compromised of publically available consumer real estate data sourced from a variety of title and tax sources. Lead Locator Leads are formulated to facilitate traditional Direct Mail marketing campaigns. Lead Locator Leads are NOT pre-scrubbed against any state or federal Do-Not-Call Registry therefore we do not recommend these leads for telemarketing campaigns without you first ensuring your compliance with all State and federal Do-Not Call regulations.