Terms of Use

AGREEMENT BETWEEN USER AND Fairway Independent Mortgage Corporation

The Fairway Independent Mortgage Corporation Web Site is comprised of various Web pages operated by Fairway Independent
Mortgage Corporation.
The Fairway Independent Mortgage Corporation Web Site is offered to you conditioned on your acceptance without modification
of the terms, conditions, and notices contained herein.  Your use of the Fairway Independent Mortgage Corporation Web Site
constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION OF THESE TERMS OF USE

Fairway Independent Mortgage Corporation reserves the right to change the terms, conditions, and notices under which the
Fairway Independent Mortgage Corporation Web Site is offered, including but not limited to the charges associated with the use
of the Fairway Independent Mortgage Corporation Web Site.

LINKS TO THIRD PARTY SITES

The Fairway Independent Mortgage Corporation Web Site may contain links to other Web Sites (“Linked Sites”).  The Linked
Sites are not under the control of Fairway Independent Mortgage Corporation and Fairway Independent Mortgage Corporation is
not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any
changes or updates to a Linked Site.  Fairway Independent Mortgage Corporation is not responsible for webcasting or any other
form of transmission received from any Linked Site.  Fairway Independent Mortgage Corporation is providing these links to you
only as a convenience, and the inclusion of any link does not imply endorsement by Fairway Independent Mortgage Corporation
of the site or any association with its operators.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the Fairway Independent Mortgage Corporation Web Site, you warrant to Fairway Independent
Mortgage Corporation that you will not use the Fairway Independent Mortgage Corporation Web Site for any purpose that is
unlawful or prohibited by these terms, conditions, and notices.  You may not use the Fairway Independent Mortgage Corporation
Web Site in any manner which could damage, disable, overburden, or impair the Fairway Independent Mortgage Corporation
Web Site or interfere with any other party’s use and enjoyment of the Fairway Independent Mortgage Corporation Web Site.  You
may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided
for through the Fairway Independent Mortgage Corporation Web Sites.

USE OF COMMUNICATION SERVICES

The Fairway Independent Mortgage Corporation Web Site may contain bulletin board services, chat areas, news groups, forums,
communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to
communicate with the public at large or with a group (collectively, “Communication Services”), you agree to use the
Communication Services only to post, send and receive messages and material that are proper and related to the particular
Communication Service.  By way of example, and not as a limitation, you agree that when using a Communication Service, you
will not:

Fairway Independent Mortgage Corporation has no obligation to monitor the Communication Services.  However, Fairway
Independent Mortgage Corporation reserves the right to review materials posted to a Communication Service and to remove any
materials in its sole discretion.  Fairway Independent Mortgage Corporation reserves the right to terminate your access to any or
all of the Communication Services at any time without notice for any reason whatsoever.
Fairway Independent Mortgage Corporation reserves the right at all times to disclose any information as necessary to satisfy any
applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or
materials, in whole or in part, in Fairway Independent Mortgage Corporation’s sole discretion.
Always use caution when giving out any personally identifying information about yourself or your children in any
Communication Service.  Fairway Independent Mortgage Corporation does not control or endorse the content, messages or
information found in any Communication Service and, therefore, Fairway Independent Mortgage Corporation specifically
disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any
Communication Service.  Managers and hosts are not authorized Fairway Independent Mortgage Corporation spokespersons, and
their views do not necessarily reflect those of Fairway Independent Mortgage Corporation.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or
dissemination.  You are responsible for adhering to such limitations if you download the materials.

MATERIALS PROVIDED TO Fairway Independent Mortgage Corporation OR POSTED AT ANY FairwayIndependent Mortgage Corporation WEB SITE

Fairway Independent Mortgage Corporation does not claim ownership of the materials you provide to Fairway Independent
Mortgage Corporation (including feedback and suggestions) or post, upload, input or submit to any Fairway Independent
Mortgage Corporation Web Site or its associated services (collectively “Submissions”).  However, by posting, uploading,
inputting, providing or submitting your Submission you are granting Fairway Independent Mortgage Corporation, its affiliated
companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet
businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce,
edit, translate and reformat your Submission; and to publish your name in connection with your Submission.
No compensation will be paid with respect to the use of your Submission, as provided herein.  Fairway Independent Mortgage
Corporation is under no obligation to post or use any Submission you may provide and may remove any Submission at any time
in Fairway Independent Mortgage Corporation’s sole discretion.
By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise
control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for
you to provide, post, upload, input or submit the Submissions.

LIABILITY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE
Fairway Independent Mortgage Corporation WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS.
CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN.  Fairway Independent Mortgage Corporation
AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE Fairway Independent Mortgage
Corporation WEB SITE AT ANY TIME.  ADVICE RECEIVED VIA THE Fairway Independent Mortgage Corporation WEB
SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU
SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
Fairway Independent Mortgage Corporation AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE
SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION,
SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE Fairway Independent Mortgage
Corporation WEB SITE FOR ANY PURPOSE.  TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL
SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS”
WITHOUT WARRANTY OR CONDITION OF ANY KIND.  Fairway Independent Mortgage Corporation AND/OR ITS
SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION,
SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR

CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-
INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL Fairway Independent
Mortgage Corporation AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL,
SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION,
DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE
USE OR PERFORMANCE OF THE Fairway Independent Mortgage Corporation WEB SITE, WITH THE DELAY OR
INABILITY TO USE THE Fairway Independent Mortgage Corporation WEB SITE OR RELATED SERVICES, THE
PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS,
SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE Fairway Independent Mortgage Corporation WEB
SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE Fairway Independent Mortgage Corporation WEB SITE,
WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF Fairway
Independent Mortgage Corporation OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF
DAMAGES.  BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF
LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO
YOU.  IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE Fairway Independent Mortgage Corporation WEB SITE,
OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING
THE Fairway Independent Mortgage Corporation WEB SITE.
SERVICE CONTACT: coralb@fairwaymc.com

TERMINATION/ACCESS RESTRICTION

Fairway Independent Mortgage Corporation reserves the right, in its sole discretion, to terminate your access to the Fairway
Independent Mortgage Corporation Web Site and the related services or any portion thereof at any time, without notice.
GENERAL To the maximum extent permitted by law, this agreement is governed by the laws of the State of Washington, U.S.A.
and you hereby consent to the exclusive jurisdiction and venue of courts in San Mateo County, California, U.S.A. in all disputes
arising out of or relating to the use of the Fairway Independent Mortgage Corporation Web Site.  Use of the Fairway Independent
Mortgage Corporation Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and
conditions, including without limitation this paragraph.  You agree that no joint venture, partnership, employment, or agency
relationship exists between you and Fairway Independent Mortgage Corporation as a result of this agreement or use of the
Fairway Independent Mortgage Corporation Web Site.  Fairway Independent Mortgage Corporation’s performance of this
agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Fairway
Independent Mortgage Corporation’s right to comply with governmental, court and law enforcement requests or requirements

relating to your use of the Fairway Independent Mortgage Corporation Web Site or information provided to or gathered by
Fairway Independent Mortgage Corporation with respect to such use.  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.  Unless otherwise
specified herein, this agreement constitutes the entire agreement between the user and Fairway Independent Mortgage
Corporation with respect to the Fairway Independent Mortgage Corporation Web Site and it supersedes all prior or
contemporaneous communications and proposals, whether electronic, oral or written, between the user and Fairway Independent
Mortgage Corporation with respect to the Fairway Independent Mortgage Corporation Web Site.  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 an d subject to the same conditions as other business documents and records
originally generated and maintained in printed form.  It is the express wish to the parties that this agreement and all related
documents be drawn up in English.

COPYRIGHT AND TRADEMARK NOTICES:

All contents of the Fairway Independent Mortgage Corporation Web Site are: and/or its suppliers.  All rights reserved.

TRADEMARKS

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.
The example companies, organizations, products, people and events depicted herein are fictitious.  No association with any real
company, organization, product, person, or event is intended or should be inferred.
Any rights not expressly granted herein are reserved.

NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States
copyright law should be sent to Service Provider’s Designated Agent.  ALL INQUIRIES NOT RELEVANT TO THE
FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE.  See Notice and Procedure for Making Claims of Copyright
Infringement.

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