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Terms of Use Your use of this Web site constitutes your agreement to all such
terms, conditions, and notices attached.

SECURITY POLICY
USNet Financial maintains physical, electronic, and procedural safeguards to
maintain the confidentiality, security, and integrity of visitors' personally
identifiable information.

We allow access to personally identifiable information only to persons and
entities engaging in activities permitted by this privacy policy. See Loan
origination services.

Although we strive to maintain the highest standards of privacy, no data
transmission over the Internet or any wireless network can be guaranteed to be
100% secure. USNet Financial cannot guarantee or warrant the security of any
information visitors transmit to us and visitors do so at their own risk.

Our database is separated from our web server and is protected by a physical
firewall.

Although USNet Financial has taken reasonable and appropriate measures to
ensure that your personal information is delivered and disclosed only in
accordance with your instructions, USNet Financial cannot and does not
guarantee that the personal information you provide will not be intercepted and
decrypted by others.

LOAN ORIGINATION SERVICES
You authorize USnetfinancial.com or its agents to check your credit history, and
to provide your information, to a number of mortgage lenders as decided by
USNetfinancial.com. You further authorize the mortgage lenders to complete
your loan transaction, to check your credit history and to return their decision to
you. You understand that mortgage lenders may keep this form, whether or not
you are qualified for a loan with them. USNet Financial does not endorse or
recommend the products of any particular Lender on USNet Financial. USNet
Financial is not an agent of either you or any participating Lender. USNet
Financial services are administrative and consultative only. The Lender is solely
responsible for its services to you, and you agree that USNet Financial shall not
be liable for any damages or costs of any type arising out of or in any way
connected with your use of such services.  USNet Financial is paid a fee by
participating mortgage lenders for any services provided.

This Web site and the services provided by USNet Financial are available only
in connection with mortgage loans made on real property to residents of the
United States. Mortgage lenders expressly reserve the right to discontinue,
suspend or terminate the offering of any loan product in any specific state
through this Web site. USNet Financial does not guarantee approval into any
loan program or loan terms and/ or conditions with any Lender. USNet Financial
does not guarantee that the loan terms or rates offered by participating
mortgage lenders through this web site are the best terms or lowest rates
available in the market. All loan approval standards/ requirements are decided
upon and maintained by individual mortgage lenders. Unless expressly stated in
writing, nothing contained herein shall constitute an offer or promise for a loan
commitment or interest rate lock-in agreement.

COPYRIGHT AND TRADEMARK NOTICES
All contents of this Web site are: Copyright USNetfinancial.com and/or its
suppliers or participating mortgage lenders, 210 Whitsett Street, Greenville, SC
29601. All rights reserved. Other product and company names mentioned
herein, including the names of participating mortgage lenders, may be the
trademarks of their respective owners. Any one or company using the
USNetfinancial.com name within their web site, meta tags, or any type of coding
without written consent will be prosecuted to the fullest extent of the law.

DISCLAIMER
All use by you of this website is at your own risk. You assume complete
responsibility for, and for all risk of loss resulting from, your downloading and/or
using of, or referring to or relying on, Materials, Software, or any other
information obtained from your use of this website. You agree that USNet
Financial, its suppliers, participating mortgage lenders or real estate
professionals and providers of telecommunications and network services to
usnetfinancial.com will not be liable for damages arising out of your use or your
inability to use this website, and you hereby waive any and all claims with
respect thereto, and whether based on contract, tort or other grounds.

This website is available to all users "as is" without any representations or
warranties of any kind, either express or implied. USNet Financial makes no
representations, warranties or undertakings that this website, or the server that
makes it available, will be free from defects, including, but not limited to viruses
or other harmful elements. USNet Financial accepts no liability for any infection
by computer virus, bug, tampering, unauthorized access, intervention, alteration
or use, fraud, theft, technical failure, error, omission, interruption, deletion,
defect, delay, or any event or occurrence beyond the control of USNet
Financial, which corrupts or affects the administration, security, fairness and
integrity or proper conduct of any aspect of this website. There are certain
inherent risks in using the Internet and the World Wide Web. USNet Financial
makes no representations, warranties or undertakings about:

Any of the Materials or Software on this website (including without limitation,
their accuracy, their completeness or their merchantability, quality or fitness for
any particular purpose; or

Any content of or information on any other website referred to or accessed by
hypertext link through this website or from which this website is referred to or
accessed by hypertext link ("third party site"). USNet Financial does not endorse
or approve the content of any third party site, nor will USNet Financial have any
liability in connection with any third party site (including but not limited to liability
arising out of any allegation that the content of or information on any third party
site infringes any law or the rights of any person or entity). No judgment or
warranty is made with respect to the accuracy, timeliness or suitability of the
content of any third party site, and any and all liability which might arise out of,
or in connection with, your use or reliance on the content of or information on,
or the performance of, any third party site is excluded

USNet FInancial reserves the right to change the content, presentation,
performance, user facilities and availability of any part of this website at its sole
discretion, including these terms and conditions of use, and you should check
these terms and conditions of use regularly for any changes.

LIMITATION OF LIABILITY
To the fullest extent permitted by applicable law, neither USNet Financial nor
any of its directors, employees, affiliates or other representatives will be liable
for loss or damages arising out of or in connection with your use of, or your
inability to use, the Materials, Software and/or facilities or services offered
through this website, including, but not limited to, indirect or consequential loss
or damages, loss of data, income, profit or opportunity, loss of or damage to
property and claims of third parties, even if USNet Financial has been advised of
the possibility of such loss or damages, or such loss or damages were
reasonably foreseeable.

LINKS TO THIRD PARTIES
This Web site may contain links to Web sites maintained by third parties. Such
links are provided for your convenience and reference only. USNet FInancial
does not operate or control in any respect any information, software, products
or services available on such Web sites. The inclusion of a link to a Web site
does not imply any endorsement of the services or the site, its contents, or its
sponsoring organization.

USNet Financial is not responsible for any errors or delays in responding to a
qualification form or referral form caused by an incorrect e-mail address
provided by you or other technical problems beyond our reasonable control.

USNet Financial accepts no responsibility and is not liable for may claim or
controversy arising out of or relating to the use of this Web site, to the goods or
services provided by USNet Financial or to any acts or omissions for which you
may contend.

ALL DISPUTES BETWEEN YOU AND USNETFINANCIAL.COM WILL BE
RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO
GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP
YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS
WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR
JURY. You are entitled to a fair hearing, and the arbitration procedures are
simpler and more limited than rules applicable in court. Arbitrator decisions are
enforceable as any court order and are subject to very limited review by a court.
By using USNet Financial goods and services you consent to these restrictions.
If in the event a dispute cannot be resolved by arbitration and if either party
employs attorneys to enforce any right in connection with any dispute or lawsuit
the prevailing party shall be entitled to recover reasonable attorneys' fees.

OTHER TERMS
This Agreement constitutes the entire agreement between you and USNet
Financial and it supersedes all prior communications, promises and proposals,
whether oral, written or electronic, between you and USNet Financial with
respect to this Web site and information, software, products and services
associated with it. If any part of this agreement is determined to be invalid or
unenforceable pursuant to applicable law including, but not limited to, the
warranty disclaimers and liability limitations set forth above, then the invalid or
unenforceable provision will be deemed superseded by a valid enforceable
provision that most closely matches the intent of the original provision, and the
remainder of the agreement shall continue in effect. A printed version of this
agreement and of any notice given in electronic form shall be admissible in
judicial or administrative proceedings based upon or relating to this agreement
to the same extent and subject to the same conditions as other business
documents and records originally generated and maintained in printed form. All
rights not expressly granted herein are reserved.