SPENDonLIFE.com is a registered dba of One Technologies LTD, a Delaware corporation with its corporate headquarters in Dallas, TX ("SPENDonLIFE."). SPENDonLIFE is an electronic loan request aggregator. SPENDonLIFE is not a lender, auto financier or credit card issuer, nor are we insurance brokers. SPENDonLIFE does not make loans or credit decisions in connection with loans, nor does SPENDonLIFE issue commitments or lock-in agreements. SPENDonLIFE is not an agent of you, the consumer, or any participating bank, lender or loan broker (all of these hereinafter referred to as "Lenders"). SPENDonLIFE's services are administrative and consultative only. Consumers, Brokers and Lenders should rely on their own judgment in deciding which available loan product best suits their needs and financial means. Consumers are not charged a fee to use SPENDonLIFE services and are under no obligation to use SPENDonLIFE to commence the financing process and SPENDonLIFE does not guarantee that completing a loan quote request will result in your receiving a loan from a Lender. SPENDonLIFE receives its compensation from the Lenders for the goods, facilities and services actually provided by SPENDonLIFE.

The loan quote request a consumer submits is NOT an application for credit. Rather, it is a request for a loan quotation. SPENDonLIFE does not request, obtain or review consumer credit history reports as part of our services.

Not a lender. SPENDonLIFE is not a lender and does not make loans. Loans are made only by participating lenders who are solely responsible for all aspects of their products and services. SPENDonLIFE does not make any guarantees or representations about the products or services offered by its network of participating lenders.

No obligation. You are under no obligation to use SPENDonLIFE to apply for your loan, even if you use it to research loan products from participating lenders.

No guarantee. When using SPENDonLIFE, there is no guarantee that you will be able to close a loan from any of the network of participating lenders. Each lender has its own standards for loan approval. Rates quoted are not locked until a separate agreement is made with the lender. Other lender costs are estimates; the actual cost may vary.

No direct fees. SPENDonLIFE does not charge direct fees to you, the borrower. The payment will be based on the services SPENDonLIFE provides to your lender.

Your lender will make certain disclosures to you when you complete your loan application with them. These disclosures are required by the Truth-in-Lending Act and the Real Estate Settlement Procedures Act (RESPA) and include:

• Credit cost disclosures.
• Good faith estimate of settlement costs.
• The HUD booklet, "Buying Your Home: Settlement Costs and Helpful Information."
• Disclosures about the possibility that your mortgage loan servicing may be transferred.
• Disclosures about your right to a copy of the appraisal of your home.
• Disclosures about how your loan will be serviced.