All user-supplied Materials are referred to collectively as “User Materials”. All Materials provided by MONEYHOUSE are referred to collectively as “MONEYHOUSE Materials”. “Services” means all services and resources offered or enabled via the Site by MONEYHOUSE and users of this Site, including download areas, developer tools services, product and other information services and communications services such as bulletin boards, calendars, chat areas, communities, e-mail, forums (including lab and user to user forums), newsgroups, personal webpages, photo albums and other message or communication facilities designed to enable you to communicate with others (collectively, “Communications Venues”). white papers, press releases, datasheets, FAQs, etc.), communications, downloads, files, text, images, photographs, graphics, videos, webcasts, publications, content, tools, resources, software, code, programs and products made available or enabled via the Site by MONEYHOUSE or users of this Site. “Materials” means all information, data, documents (e.g. MONEYHOUSE, its affiliates and agents (“MONEYHOUSE”) make this Web site and all other websites of MONEYHOUSE with links to the Terms of Use (collectively, the “Site”), and the Materials and Services, available for your access and use subject to the Terms of Use. If you breach any of the Terms of Use, your authorization to access or use this Site, Services and Materials automatically terminates, and any Materials downloaded or printed from the Site in violation of the Terms of Use must be immediately destroyed. Please regularly check the “Terms of Use” link on the home page of MONEYHOUSEUS.COM to view the then-current Terms. Your access and use of the Site, Materials and Services will be subject to the most current version of the Terms of Use, rules and guidelines posted on the Site at the time of such use. Your continued access or use of the Site, or any Materials or Services, constitutes your acceptance of the changes. MONEYHOUSE may change the Terms of Use and other guidelines and rules posted on the Site from time to time at its sole discretion. If you do not agree to all of the terms and conditions contained in the Terms of Use, do not access or use this Site.

FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT TERMS OF USEīy accessing or using this Site in any way, including using any Services, downloading Materials or merely browsing the Site (capitalized terms defined below), you agree to and are bound by the terms and conditions set forth in this document and in any changes thereto that The Money House, Inc., (“Moneyhouse”) may publish from time to time (collectively, the “Terms of Use”).

A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. COMPLAINT FOMONEYHOUSE AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-87. IN TEXAS – CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. Borrowers must qualify at closing for all benefits. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. does not discriminate against any applicant on the basis of race color religion creed national origin ancestry sex marital status familial status (number and age of children) sexual orientation age (provided that the applicant has the capacity to enter into a binding agreement) medical history disability physical condition military status because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA) that all or part of a consumer’s income derives from a public assistance program or any other basis prohibited by law. In accordance with the Equal Credit Opportunity Act, The Money House, Inc. TERMS OF USE AND END USER LICENSING AGREEMENT “EULA” REGARDING THIS SITE

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