TERMS AND CONDITIONS FOR USE OF THE Main Street Home Mortgage WEB SITE BY VISITING OR USING THE Main Street Home Mortgage WEB SITE, OR ANY PAGE OF THE WWW.MSHMC.COM WEB SITE, YOU ARE AGREEING TO BE BOUND BY THESE TERMS OF USE, AND THAT SUCH AGREEMENT CONSTITUTES A BINDING CONTRACT BETWEEN YOU AND Main Street Home Mortgage. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, PLEASE DO NOT VISIT OR USE THE WWW.MSHMC.COM WEB SITE OR ANY PAGE OF THE WWW.MSHMC.COM WEB SITE. TERMS AND CONDITIONS FOR USE Definitions As used in this contract: (a) the term "Agreement" refers to this contract; (b) the terms "you" and "yours," refer to you, a visitor to the Main Street Home Mortgage web site, as well as anyone you authorize to visit the Main Street Home Mortgage web site on your behalf; (c) the terms "Main Street Home Mortgage ," "we," and "our" and "ours" refer to Main Street Home Mortgage and any affiliates of Main Street Home Mortgage whose products or services are offered on the Main Street Home Mortgage web site; and (d) the term "MSHMC.COM Web Site" refers to the web site located at www.MSHMC.COM and related pages, or any linked pages and web sites hosted or sponsored by Main Street Home Mortgage. Privacy Policy Main Street Home Mortgage is committed to maintaining the privacy and security of any and all information that you provide to Main Street Home Mortgage through the MSHMC.COM Web Site. To that end, Main Street Home Mortgage urges you to review the Main Street Home Mortgage Privacy Policy, which may be accessed by clicking on the following link:   Privacy Policy Please note that privacy policies of Main Street Home Mortgage's affiliates or third parties may apply to information you provide on the MSHMC.COM Web Site. In addition, web sites linked to the MSHMC.COM Web Site may have separate privacy policies. Use And Limitations Of The MSHMC.COM Web Site Except where we specify otherwise, Main Street Home Mortgage offers you access to the MSHMC.COM Web Site solely for your personal and non-commercial uses. You promise that you will not use the MSHMC.COM Web Site, 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 web site, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the MSHMC.COM Web Site. 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 MSHMC.COM Web Site in any manner that could damage, disable, overburden, or impair the MSHMC.COM Web Site or interfere with any other party's use and enjoyment of the MSHMC.COM 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 MSHMC.COM Web Site. If and when requested by MSHMC.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 MSHMC.COM, you agree that you will not access or attempt to access password protected, secure or non-public areas of the MSHMC.COM Web Site. You agree that Main Street Home Mortgage may in its sole discretion and at any time terminate your access to and use of the MSHMC.COM Web Site, or any part thereof, with or without notice. The MSHMC.COM Web Site contains content and information originated by Main Street Home Mortgage, affiliates of Main Street Home Mortgage or unaffiliated third parties. Main Street Home Mortgage makes available such content and information through the MSHMC.COM Web Site as a public service, for the sole purpose of aiding you, the individual consumer. Main Street Home Mortgage, 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 MSHMC.COM Web Site-including any terms and conditions necessary to obtain a loan or other products or services-are 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 Main Street Home Mortgage determination and acceptance. E-Signatures and Communications All electronic communications, including any electronic signatures or identifiers of Main Street Home Mortgage, are being transmitted solely for informational purposes. By making an electronic communication, Main Street Home Mortgage specifically does not intend to agree, bind, or otherwise consent to any matter for any purpose whatsoever, including 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. Trademarks, Service Marks And Copyright Copyright in the MSHMC.COM Web Site, and in the information and material therein and in their arrangement, is owned by Main Street Home Mortgage unless otherwise indicated. Main Street Home Mortgage and the Main Street Home Mortgage logo are federally registered service marks of Main Street Home Mortgage Corporation. Main Street Home Mortgage also claims trademark and service mark rights in other marks contained in the Main Street Home Mortgage Web Site. If you wish to inform Main Street Home Mortgage of any content that may indicate copyright infringement by any person or entity, pursuant to Title 17, United States Code, Section 512(c)(2), or trademark or service mark infringement pursuant to Title 15, United States Code, Sections 1114 and 1116, please forward your notification to: General Counsel Main Street Home Mortgage Corporation 2625 W. Harrison Street, Suite 210, Bellwood, Illinois  60104                                               

Disclaimer YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF AND RELIANCE UPON ANY AND ALL INFORMATION, INCLUDING, BUT NOT LIMITED TO, CONTENT PROVIDED BY Main Street Home Mortgage, A Main Street Home Mortgage AFFILIATE OR A THIRD PARTY THROUGH THE MSHMC.COM WEB SITE IS AT YOUR SOLE RISK. SUCH INFORMATION IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. Main Street Home Mortgage MAKES NO EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, OR GUARANTEES WITH REGARD TO THE APPROPRIATENESS, ACCURACY, SUFFICIENCY, CORRECTNESS, VERACITY, VALUE, COMPLETENESS, OR TIMELINESS OF SUCH INFORMATION. Main Street Home Mortgage EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Main Street Home Mortgage SHALL HAVE NO LIABILITY TO YOU OR ANY OTHER USER OF SUCH INFORMATION OR TO ANY THIRD PARTY FOR ANY LOSS, EXPENSE, OR DAMAGE, INCLUDING CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES AND INCLUDING LOST PROFITS OR LOST REVENUE, CAUSED DIRECTLY OR INDIRECTLY BY THE USE OR RELIANCE UPON SUCH INFORMATION. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE MSHMC.COM WEB SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. Indemnification YOU AGREE TO INDEMNIFY AND HOLD Main Street Home Mortgage AND ITS, SUPPLIERS, AFFILIATES, SUBSIDIARIES, EMPLOYEES AND AGENTS HARMLESS FROM ANY AND ALL CLAIMS AND DEMANDS, INCLUDING, BUT NOT LIMITED TO REASONABLE ATTORNEYS' FEES, MADE BY ANY THIRD PARTY DUE TO OR ARISING OUT OF ANY INFORMATION, INCLUDING, BUT NOT LIMITED TO, INFORMATION PROVIDED VIA THE MSHMC.COM WEB SITE. THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THE MSHMC.COM WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. Main Street Home Mortgage , ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE AT ANY TIME. IN NO EVENT SHALL Main Street Home Mortgage , Main Street Home Mortgage 'S AFFILIATES OR THIRD PARTIES, INCLUDING 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 MSHMC.COM WEB SITE, WITH THE DELAY OR INABILITY TO USE THE MSHMC.COM 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 MSHMC.COM WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE MSHMC.COM WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF Main Street Home Mortgage , Main Street Home Mortgage 'S AFFILIATES OR ANY THIRD PARTY 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 MSHMC.COM WEB SITES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE MSHMC.COM WEB SITE. Without limiting the foregoing, you agree to indemnify, defend and hold harmless Main Street Home Mortgage, its partners, affiliates, subsidiaries and suppliers from any liability, loss, claim and expense (including attorneys' reasonable fees) related to your violation of this Agreement. MISCELLANEOUS This Agreement is governed by the laws of the State of Illinois. You agree and consent to the exclusive jurisdiction and venue of courts sitting in Illinois, County of Cook and/or Northern District of Illinois in all disputes arising out of or relating to the use of the MSHMC.COM Web Site. Use of the MSHMC.COM 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 MSHMC.COM as a result of this Agreement or use of the MSHMC.COM Web Site. 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 you and Main Street Home Mortgage with respect to the MSHMC.COM Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Main Street Home Mortgage respect to the MSHMC.COM 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 and subject to the same conditions as other business documents and records originally generated and maintained in printed form.