LendingTree, LLC
11115 Rushmore Dr.
Charlotte, NC 28277

Customer Service: (888) 272-1355
Fax: (704) 541-1824
E-mail: customercare@lendingtree.com

LendingTree Disclosures
General.
LendingTree, LLC is a Delaware limited liability company with its corporate headquarters in Charlotte, North Carolina. Any reference in this Licenses and Disclosures to "we" or "us" or similar words shall refer to LendingTree, LLC unless otherwise indicated, all such entities referred to as "LendingTree". Any reference in Licenses and Disclosures to "you" or "your" means the person(s) using the LendingTree Websites (as defined in the Terms of Use Agreement), and/or the good, facilities or services of LendingTree offered through alternative methods.  LendingTree is a marketing lead generator, required to be licensed as a Mortgage Broker.  LendingTree does not take applications, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements.  LendingTree’s services are only administrative.  Any loan inquiry you submit is NOT an application for credit.  Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders.  You may have to complete an application with a Lender before they will extend an unconditional offer.  A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items.  The Lender, not LendingTree, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. LendingTree, LLC does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state (please see the Licenses and Disclosures section of the Websites), LendingTree, LLC is not an agent of you or any Lender. LendingTree, LLC's services are only administrative. You should rely on your own judgment in deciding which available loan product, terms and Lender best suits your needs and financial means. The Lender is solely responsible for its services to you, and you agree that LendingTree, LLC 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. You understand that Lenders may keep your loan request information and any other information provided by LendingTree, LLC or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications.

Fees. LendingTree does not charge you any fee for its services. LendingTree receives its compensation from the Lenders or Providers for the goods, facilities and services provided by LendingTree. LendingTree's compensation varies by product and service. Marketing lead generation fees paid by the Lender or provider may be included in your rate, points or term. Although some state licensing laws treat fees paid in exchange for marketing lead generation fees as mortgage broker fees or origination fees, this is not the case under federal law. See the Terms of Use Agreement for details.

Credit. Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from Lenders. You may have to complete an application with a Lender before they will extend an unconditional loan offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report as well as for other items. The Lender will determine the amount of any such fee(s) and should provide information to you regarding the refundability of any such fee(s).

Federal Disclosures. Any loan request will be forwarded to Lenders and these Lenders may make certain disclosures to you. These disclosures, which are required by the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and certain other federal and state laws, include details of your cost of credit; good faith estimates of your settlement costs (GFE); HUD mandated booklets "Guide to Settlement Costs" and/or "When your Home is on the Line"; notices concerning the possibility that your mortgage loan servicing may be transferred; and your right to a copy of any appraisal, if any, performed on your home. The Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The agency that administers compliance with this law varies by Lender depending on its lending authority, but may include the Federal Trade Commission, Equal Credit Opportunity, Consumer Response Center, Washington, DC 20580, or at 1-877-FTC-HELP (1-877-382-4357; TDD 1-866-653-4261; or at www.ftc.gov.

PURSUANT TO LENDINGTREE'S TERMS OF USE AGREEMENT AND THE CONSENT FOR ELECTRONIC DISCLOSURES, THE DISCLOSURES AND CONSENTS REQUIRED UNDER CERTAIN FEDERAL AND/OR STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY YOUR USE OF THE WEBSITES (AS DEFINED IN THE TERMS OF USE AGREEMENT).

State Licenses and Disclosures - LendingTree LLC’s Nationwide Mortgage Licensing System (NMLS) Identification Number is 1136

For some states, required disclosures are included above in the LendingTree Disclosures section.

Alabama
Alabama Mortgage Brokers License No. MB8694

Alaska
Alaska Mortgage Broker/Lender License No. AK1136

Arizona
Arizona Mortgage Broker License No. 0902469 (also doing business as GetSmart®)

Arkansas
Arkansas Mortgage Broker License No. 24441 (also doing business as GetSmart®, GetSmart.com)

California
California Dept. of Corporations, California Finance Lenders Law License No. 6037234 with principal office located at LendingTree, LLC, 11115 Rushmore Drive, Charlotte, NC 28277 (also doing business as GetSmart® and GetSmart.com)

LendingTree does not make mortgage loans or commitments.

If your loan request is forwarded to a Lender that makes you an offer, you should receive from the Lender a good faith estimate (GFE) required under RESPA and an initial disclosure statement required under the TILA, each within three (3) business days from the date you submit an application with the Lender. If the Lender denies your request for credit and that action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain, within sixty (60) days, a free copy of your consumer credit report from the credit reporting agency that compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly.

An applicant, if married, may apply for a separate account / credit.


THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 FAIR LENDING NOTICE

IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF:

1. TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS PRACTICE; OR

2. RACE, COLOR, RELIGION, SEX, MARITAL STATUS, NATIONAL ORIGIN OR ANCESTRY.

IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS OR NATIONAL ORIGIN COMPOSITION OF A NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A HOUSING ACCOMMODATION OR IN DETERMINING WHETHER OR NOT, OR UNDER WHAT TERMS AND CONDITIONS, TO PROVIDE FINANCIAL ASSISTANCE.

THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURPOSE OF THE PURCHASE, CONSTRUCTION, REHABILITATION OR REFINANCING OF ONE- TO FOUR-UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE- TO FOUR-UNIT FAMILY RESIDENCE.

IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE MANAGEMENT OF THIS FINANCIAL INSTITUTION OR:

Department of Corporations:

320 West 4th Street, Suite 750
Los Angeles, CA 90013-2344
Phone: (213) 576-7500

71 Stevenson Street, Suite 2100
San Francisco, CA 94105-2980
Phone: (415) 972-8559

1515 K Street, Suite 200
Sacramento, CA 95814-4052
Phone: (916) 445-7205

1350 Front St., Room 2034
San Diego, CA 92101-3697
Phone: (619) 525-4233

Toll-Free Phone (all locations): (866) 275-2677
Website: http://www.corp.ca.gov

California Department of Real Estate
DRE Licensing Call Center:  877-373-4542
2201 Broadway
Sacramento, CA 95818

Colorado
Colorado Mortgage Company Registration Regulated by the Division of Real Estate (also doing business as GetSmart®)

Connecticut
Connecticut Mortgage Broker License No. 4164
(also doing business as GetSmart® and GetSmart.com)

LendingTree is a MORTGAGE BROKER ONLY, NOT A  MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.

Delaware
Delaware Chapter 22 Licensed Lender License No. 010996 (also doing business as GetSmart® and GetSmart.com)

District of Columbia
Government of the District of Columbia Mortgage Broker License No. MLB 1136 (doing business as GetSmart®)

If your loan request is forwarded to our participating Lenders, you may be issued a financing agreement by the Lenders in accordance with D.C. Code Ann. § 26-1113. If provided, the financing agreement will provide: (A) the term and principal amount of the loan; (B) an explanation of the type of mortgage loan being offered; (C) the interest rate and, if the rate is subject to change, or is a variable rate, or is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (D) the points and fees, if any, to be paid by you; and (E) the term during which the financing agreement remains in effect. This financing agreement must be executed by the Lender and must be delivered as least 72 hours before settlement.

DISCLOSURE OF DUAL CAPACITY: LENDINGTREE HAS OFFERED TO ASSIST YOU IN OBTAINING A MORTGAGE LOAN REQUEST. IF WE ARE SUCCESSFUL IN OBTAINING A LOAN REQUEST FOR YOU, LENDINGTREE WILL RECEIVE A MORTGAGE LEAD GENERATION FEE FROM THE LENDER. IF YOU ALSO USE A REAL ESTATE PROVIDER, LENDINGTREE MAY RECEIVE AN ADDITIONAL MARKETING LEAD GENERATION FEE. LENDINGTREE DOES NOT REPRESENT ALL OF THE LENDERS IN THE MARKET, AND THE LENDERS IN LENDINGTREE'S NETWORK WHICH IT DOES REPRESENT MAY NOT OFFER THE LOWEST INTEREST RATES OR BEST TERMS AVAILABLE TO YOU. YOU ARE FREE TO SEEK A LOAN WITHOUT OUR ASSISTANCE. YOU CONSENT, ACKNOWLEDGE AND AGREE HAVING READ AND UNDERSTOOD THIS DISCLOSURE OF DUAL CAPACITY AND HAVING RECEIVED A COPY HEREOF.

Florida
Florida Mortgage Lender License No. MLD384 (also doing business as GetSmart®)

LendingTree does not make mortgage loans or commitments. Nor can LendingTree guarantee acceptance into any particular loan program by any participating Lender, or promise any specific loan terms or conditions. If your loan request is forwarded to our participating Lenders, you may receive from such Lenders, a good faith estimate (GFE)of the credit report fee, property appraisal fee, or any other third party fees required in connection with your loan. The documentation you receive will include the terms and conditions for obtaining a refund for said fees.

YOU ARE NOT REQUIRED TO PURCHASE ADDITIONAL PRODUCTS OR SERVICES FROM LENDINGTREE OR FROM ANY PERSON OR ENTITY SUGGESTED OR RECOMMENDED BY LENDINGTREE. HOWEVER, LENDINGTREE RESERVES THE RIGHT TO APPROVE THE ENTITY SELECTED BY YOU, WHICH APPROVAL MAY NOT BE UNREASONABLY WITHHELD.

Georgia
Georgia Mortgage Broker/Processor License No. 12989 (also doing business as GetSmart® and GetSmart.com)

Hawaii
Hawaii Mortgage Loan Originator Company License No. MB 1136 (also doing business as GetSmart® and GetSmart.com)

Idaho
Idaho Mortgage Broker/Lender License No. MBL-893 (also doing business as GetSmart® and GetSmart.com)

LendingTree does not act as a lender or credit provider. If your loan request is forwarded to our participating Lenders, the Lenders will contact you with additional information/offers. LendingTree does not distribute the products of all Lenders or investors in the marketplace and therefore cannot guarantee the lowest price or best terms available in the market.

LendingTree provides its services to you at no cost to you. LendingTree will not charge or seek fees of any kind from you. LendingTree will receive fees from the Lenders and may be paid based on fees for services, goods or facilities performed or provided by us to the Lenders.

This agreement remains in effect only as long as you seek to use the services offered by LendingTree. You may discontinue this relationship at any time, without notice, at no cost or penalty to you.

Idaho Prepayment Penalty Disclosure: If you, the borrower, pay off or refinance your mortgage loan before the date for repayment stated in the loan agreement, you may be charged a prepayment penalty. A prepayment penalty charge may be significant. Prior to signing any documents, make sure you fully understand the prepayment charge provisions outlined in your loan agreement.

Interest Rate Lock Information: An interest rate that is not locked in is subject to change.  LendingTree does not lock interest rates, only a Lender may provide such action and it increase your rate and/or cause additional fees to be assessed, make sure you fully understand the interest rate lock information in your loan agreement.

Illinois
Illinois Residential Mortgage License No. MB.0005433

If your loan request is forwarded to our participating Lenders, a Borrower Information Document may be provided to you by the Lender you select pursuant to the Residential Mortgage License Act of 1987 and Rules promulgated thereunder (38 Ill. Adm. Code 1050). The purpose of that Document is to set forth those exhibits and materials you should receive or be receiving in connection with your residential mortgage loan application with the Lender based on your request to LendingTree. You may also receive from the Lender you select a list of documents and materials required to complete your loan application with the Lender.

Loan Brokerage Agreement and Broker Disclosure Statement

LendingTree is a marketing lead generator, required to be licensed as a Mortgage Broker.  LendingTree does not take applications, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements.  LendingTree’s services are only administrative.  Any loan inquiry you submit is NOT an application for credit.  Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders.  You may have to complete an application with a Lender before they will extend an unconditional offer.  A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items.  The Lender, not LendingTree, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. LendingTree, LLC does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state (please see the Licenses and Disclosures section of the Websites), LendingTree, LLC is not an agent of you or any Lender. LendingTree, LLC's services are only administrative. You should rely on your own judgment in deciding which available loan product, terms and Lender best suits your needs and financial means. The Lender is solely responsible for its services to you, and you agree that LendingTree, LLC 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. You understand that Lenders may keep your loan request information and any other information provided by LendingTree, LLC or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications.

This agreement remains in effect only as long as you seek to use our services. You may discontinue this relationship at any time, without notice, at no cost or penalty to you.

Illinois Department of Financial and Professional Regulation
Division of Banking
122 S. Michigan Avenue, Suite 1900
Chicago, IL 60603
(312) 793-3000

Indiana
Indiana-SOS Loan Broker License, No. 1136. (also doing business as GetSmart® and GetSmart.com)

Iowa
Mortgage Broker License No. 741

Kansas
Kansas Mortgage Company License No. MC.0002279

LendingTree is a Marketing Lead Generation Company registered with the Kansas Office of the State Bank Commissioner in accordance with the laws of the state of Kansas. This license does not represent an endorsement or recommendation of the licensee's products or services by the Office of the State Bank Commissioner. As a consumer, you may submit a complaint or inquiry about this mortgage business by delivering a written statement to the Office of the State Bank Commissioner, 700 Jackson, Suite 300, Topeka, KS 66603.

Kentucky
Kentucky Mortgage Loan Broker License No. MB17994 (also doing business as GetSmart®, and GetSmart.com)

LendingTree is not acting as an agent for you in your request to obtain a mortgage loan before any personal financial information may be obtained by the mortgage loan broker.

Louisiana
Louisiana Residential Mortgage Lending License No. 189 (also doing business as GetSmart® and GetSmart.com)

The state of Louisiana has not reviewed and does not approve or disapprove any loan brokerage contract. The information contained in this disclosure has not been verified by the state. If you have any questions, consult with an attorney before you sign a loan contract.

Maine
Maine Loan Broker License No. CSO6321(also doing business as GetSmart® and GetSmart.com

Maine law requires that the disclosures below be provided to consumers before any contact is signed with, and before any money is paid to, a credit services organization or third parties.

Written Agreement or Contract

Please print out this information and save it for your records. You consent, acknowledge and agree that you have reading and received a copy of this Disclosure to Consumer.

LendingTree will not act as your lender or credit provider. LendingTree provides your loan request to our Lenders and our Lenders will contact you with their conditional loan offers. While we seek to help you meet your financial needs, we do not distribute the products of all Lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market.

LendingTree provides mortgage information at no cost to you. LendingTree will not charge or seek fees of any kind from you. LendingTree receives fees from Lenders and may be paid by the Lender based on services, goods or facilities performed or provided by us to the Lender.

This agreement remains in effect only as long as you seek to use the services offered by LendingTree. You may discontinue this relationship at any time, without notice, at no cost or penalty to you.

It is important that you read and understand all contracts related to any credit services you obtain. It is also important for you to retain a copy for your records.

Escrowing of Consumer Funds

LendingTree does not accept any fees from the consumer, including third party fees.

Consumer Protection Bond

A consumer protection bond is on file with the State of Maine. If you have a claim against our company which cannot be resolved through informal means, you may institute an action to recover your loss from that bond by filing a written complaint with the Director, Office of Consumer Credit Regulation, 35 State House Station, Augusta, Maine, 04333-0035

Maryland
Maryland Mortgage Lenders License No. 4737

LendingTree does not accept or solicit any fees or payments from consumers. If you submit a loan request to LendingTree and your loan request is forwarded to our participating Lenders, you may be issued a Financing Agreement by Lenders in accordance with Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of mortgage loan being offered; (3) the interest rate and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by you; and (5) the term during which the Financing Agreement remains in effect.

Massachusetts
Massachusetts Mortgage Broker License No. MB1136 (also doing business as GetSmart®)

Massachusetts Small Loan Company License No. SL0533

LendingTree arranges, but does not make loans.

If your loan request is forwarded to our participating Lenders, be advised that under Massachusetts General Law ch. 184, § 17B: (1) the responsibility of the attorney for a Lender is to protect the Lender’s interests, (2) you have the right to engage your own attorney to represent your interest in the transaction, at your expense, (3) the approximate expiration date of the Note (see your Loan Information Page for the term of your loan), and (4) please be aware that as of the expiration date of the Note, the Lender may demand payment of the Note, may rewrite the Note by agreement at a greater or lesser rate of interest, or may, by agreement, allow payments to be made on the Note at the same, or a lesser or greater rate of interest.

The federal Equal Opportunity Act and comparable provisions of Massachusetts law prohibit creditors from discriminating against credit applicants on the basis of race, color, religion, creed, national origin, sex, sexual orientation, ancestry, handicap, marital status, age (provided that the applicant has the capacity to enter into a binding contract), or because all or part of the applicant’s income derives from any public assistance program. The federal Equal Credit Opportunity Act also prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The state agency that administers compliance with the state law is the:

Massachusetts Commission Against Discrimination
One Ashburton Place
Boston, Massachusetts 02108

Michigan
Michigan 1st Mortgage Broker License No. FL 0016258 (also doing business as GetSmart® and GetSmart.com)
Michigan 2nd Mortgage Broker License No. SR 0016259 (also doing business as GetSmart® and GetSmart.com)

Minnesota
Minnesota Residential Mortgage Originator License No. MN-MO-40127258 (also doing business as GetSmart® and GetSmart.com)

LENDINGTREE IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE LENDINGTREE WILL SEEK TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS AVAILABLE IN THE MARKET.

The information on this Website may not be considered by any person to be an offer to enter an interest rate lock-in agreement under Minnesota law.

Mississippi
Licensed by the Mississippi Department of Banking and Consumer Finance as a Mortgage Company Broker  License No. 1136 (also doing business as GetSmart® and GetSmart.com)

As required by Mississippi law, LendingTree has secured a bond issued by Aon Risk Services, a surety company authorized to do business in this state. A certified copy of this bond is filed with the Mississippi Commissioner of Banking and Consumer Finance.

As a borrower you are protected under the Mississippi Mortgage Consumer Protection Act.

Complaints against a licensee may be made by contacting the:

Mississippi Department of Banking and Consumer Finance
PO Box 23729
Jackson, MS 39225-3729

Missouri
Missouri Mortgage Brokers License No. 10-1261, 10805 Sunset Office Drive, Suite 300, St. Louis, MO 63127 (also doing business as GetSmart® and GetSmart.com)

Loan Brokerage Agreement and Loan Broker Disclosure Statement

NOTICE TO CONSUMER: Do not sign this agreement before you read it. You, or your attorney, are entitled to a copy of this agreement. The below is provided pursuant to the Residential Mortgage Brokers License Act and related rules. LendingTree, LLC (formerly known as LendingTree, Inc.) is regulated by the Missouri Commissioner of Finance whose phone number is (573) 751-3242. Your Lender will provide you with any additional required documentation.

LendingTree, LLC, formerly known as LendingTree, Inc., is a Delaware limited liability company with its corporate headquarters in Charlotte, North Carolina. LendingTree is a marketing lead generator, required to be licensed as a Mortgage Broker.  LendingTree does not take applications, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements.  LendingTree’s services are only administrative.  Any loan inquiry you submit is NOT an application for credit.  Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders.  You may have to complete an application with a Lender before they will extend an unconditional offer.  A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items.  The Lender, not LendingTree, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. LendingTree, LLC does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state (please see the Licenses and Disclosures section of the Websites), LendingTree, LLC is not an agent of you or any Lender. LendingTree, LLC's services are only administrative. You should rely on your own judgment in deciding which available loan product, terms and Lender best suits your needs and financial means. The Lender is solely responsible for its services to you, and you agree that LendingTree, LLC 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. You understand that Lenders may keep your loan request information and any other information provided by LendingTree, LLC or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications. 

LendingTree will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to Lenders; (3) offer you access to general educational information concerning home financing including glossaries, articles and calculators; and (4) send you the initial loan offers from Lenders responding to your loan request. If your loan request is forwarded to our participating Lenders, you will receive from the Lenders a good faith estimate of the settlement costs in connection with your loan in accordance with applicable law.

This agreement is dated as of the date you submit your loan request. Please print and retain a copy of this agreement and the Loan Information Page for your records.

Montana
Montana Mortgage Broker License No. 1097 (also doing business as GetSmart and GetSmart.com)

Nebraska
Nebraska Mortgage Banker License No. 1517
(also doing business as GetSmart® and GetSmart.com)

Nevada
Nevada Mortgage Broker License No. 1698
Nevada Business License No. 205299

Las Vegas Business License No. Q 16-00444060123405

New Hampshire
Licensed by the New Hampshire Banking Department. Mortgage Broker License No. 14208-MBR (also doing business as GetSmart® and GetSmart.com)

New Jersey
New Jersey Residential Mortgage Broker License No. 0801779 – Broker will not make any mortgage loan commitments or fund any mortgage loans (also doing business as GetSmart® and GetSmart.com)

New Mexico
New Mexico Mortgage Loan Company License No. 00395

New York
LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker-- NYS Banking Department License No. A004890 – Broker arranges mortgage loans with third-party providers with offices at 11115 Rushmore Dr., Charlotte, NC 28277, (also doing business as GetSmart® and GetSmart.com)

Disclosures: LendingTree does not make mortgage loans or commitments; cannot guarantee acceptance into any particular loan program, nor promise any specific loan terms or conditions; is paid by the Lender for its services; and, does not charge you any fee for its services. Certain mortgage loan products impose a prepayment penalty on the borrower and the amount of, or the formula for calculating, the prepayment penalty, if any, and the terms of the prepayment penalty, if any, will be disclosed to the borrower by the Lender as soon as they are known, but no later than the issuance of the commitment (if any), for the loan product chosen by the borrower.

You understand that you may address questions or comments about your loan request by calling 877.466.0544, or by electronic mail to customercare@lendingtree.com.

North Carolina
North Carolina Mortgage Broker License No. B-113401 (also doing business as GetSmart® and GetSmart.com)

LendingTree does not make mortgage loans or commitments. Nor can LendingTree guarantee acceptance into any particular loan program by any Lender, or specific loan terms or conditions. You may be required by the Lender to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refundability of any fees paid.

North Dakota
North Dakota Money Broker, License No. MB 100817

NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF BANKING AND FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204.THE DEPARTMENT OF BANKING AND FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER’S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF BANKING AND FINANCIAL INSTITUTIONS.

If your loan request is forwarded to one or more participating Lenders, you will receive from the Lenders detailed information about your loan, including the loan amount, interest rate, points, fees and other terms.

Ohio
Ohio Mortgage Broker License No. MB.802159.000 - 37812 2nd Street, Willoughby, OH 44094

Oklahoma
Oklahoma Credit Services Organization License No. CSO 00394

Information Statement

LendingTree, LLC Main Office
11115 Rushmore Dr.
Charlotte, NC 28277 

Oklahoma Office
1699 W 4th St. Tahlequah, OK 74464 


LendingTree is required by Oklahoma law to provide this information statement before the execution of a contract or before the receipt of any money or other valuable consideration, whichever occurs first.

1. You have the right to review any file maintained by any consumer credit reporting agency, as provided under the Federal Fair Credit Reporting Act, 15 USC Sec. 1682 through 1681t.

2. You have the right to review the above mention file at no charge if a request is made to the consumer credit reporting agency within thirty (30) days after receiving notice that credit has been denied. If credit was not denied, the approximate price to review such file is $14, as set by the credit reporting agency.

3. You have the right to dispute the completeness or accuracy of any item contained in your file which is maintained by a consumer credit reporting agency.

4. The following paragraphs describe LendingTree’s fees and services:

a. LendingTree is a marketing lead generator, required to be licensed as a Mortgage Broker.  LendingTree does not take applications, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements.  LendingTree’s services are only administrative.  Any loan inquiry you submit is NOT an application for credit.  Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders.  You may have to complete an application with a Lender before they will extend an unconditional offer.  A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items.  The Lender, not LendingTree, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. LendingTree, LLC does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state (please see the Licenses and Disclosures section of the Websites), LendingTree, LLC is not an agent of you or any Lender. LendingTree, LLC's services are only administrative. You should rely on your own judgment in deciding which available loan product, terms and Lender best suits your needs and financial means. The Lender is solely responsible for its services to you, and you agree that LendingTree, LLC 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. You understand that Lenders may keep your loan request information and any other information provided by LendingTree, LLC or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications. LendingTree will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to participating Lenders in our network; (3) offer you access to general educational information concerning home financing including glossaries, articles and calculators; and (4) send you the initial loan offers from Lenders responding to your loan request. If your loan request is forwarded to our participating Lenders, you will receive from the Lenders a good faith estimate of the settlement costs in connection with your loan in accordance with applicable law.

b. LendingTree does not charge you, the consumer, a fee to use our services. LendingTree is paid by its participating Lenders for the goods, facilities and services provided.

c. If your loan request is forwarded to our participating Lenders, you may be required by the Lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refundability of any fees paid.

d. LendingTree does not endorse, recommend or favor the products of any participating Lender. LendingTree is not an agent of you or any participating Lender. LendingTree's services are administrative and consultative only. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. You are under no obligation to use LendingTree to commence the financing process, and LendingTree, does not guarantee that completing a loan request will result in your receiving a loan from one of our participating Lenders.

e. You have the right to proceed against the bond that LendingTree is required to maintain. The name and address of the surety bond company that issued the bond is Aon Risk Services, 199 Water Street, 11th floor, New York, NY 10038.

Your submission of a loan request will serve as acknowledgement of your receipt of the above Information Statement.

Agreement

This agreement is made between you, the Buyer and LendingTree, LLC (“LendingTree”). This agreement is dated the date of your loan request to LendingTree. By submitting the loan request, you agree to the terms of this agreement.

1. LendingTree is a marketing lead generator, required to be licensed as a Mortgage Broker.  LendingTree does not take applications, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements.  LendingTree’s services are only administrative.  Any loan inquiry you submit is NOT an application for credit.  Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders.  You may have to complete an application with a Lender before they will extend an unconditional offer.  A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items.  The Lender, not LendingTree, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. LendingTree, LLC does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state (please see the Licenses and Disclosures section of the Websites), LendingTree, LLC is not an agent of you or any Lender. LendingTree, LLC's services are only administrative. You should rely on your own judgment in deciding which available loan product, terms and Lender best suits your needs and financial means. The Lender is solely responsible for its services to you, and you agree that LendingTree, LLC 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. You understand that Lenders may keep your loan request information and any other information provided by LendingTree, LLC or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications. LendingTree will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to participating Lenders in our network; (3) offer you access to general educational information concerning home financing including glossaries, articles and calculators; and (4) send you the initial loan offers from Lenders responding to your loan request. If your loan request is forwarded to our participating Lenders, you will receive from the Lenders a good faith estimate of the settlement costs in connection with your loan in accordance with applicable law.

2. LendingTree does not charge you, the consumer, a fee to use our service. LendingTree is paid by its participating Lenders for the goods, facilities and services provided. If your loan request is forwarded to our participating Lenders, you may be required by the Lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refundability of any fees paid.

3. LendingTree’s agent in Oklahoma is J. Kent Rountree with an address of 1699 W 4th St., Tahlequah, OK 74464. LendingTree’s agent for service of process is NARI with an address in Oklahoma of 115 Southwest 89th Street, Oklahoma City, OK 73189. All correspondence to LendingTree should be sent to 11115 Rushmore Dr., Charlotte, NC 28277, Attn: Legal Department.

This agreement is dated as of the date you submit your loan request.

NOTICE OF CANCELLATION

You may cancel this contract, without any penalty or obligation, within five (5) days from the date the contract is signed.

If you cancel any payment made by you under this contract, it will be returned within ten (10) days following receipt by the seller of your cancellation notice.

To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or any other written notice to LendingTree, LLC, the operator of this website at 11115 Rushmore Dr., Charlotte, NC 28277 not later than midnight on the day five (5) days after the date you submit the loan request.

I hereby cancel this transaction.

Sign: ___________________
Print: ___________________
Date: ___________________

Oregon
Oregon Mortgage Lending License No. ML 1862

Pennsylvania
Pennsylvania Mortgage Broker License No. 20298 by the Pennsylvania Department of Banking (also doing business as GetSmart® and GetSmart.com)

If your loan request is forwarded to our participating Lenders, you may be required by the Lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refundability of any fees paid.

Variable Interest Rate Disclosure

On residential mortgage loans of $50,000 or less, if the Lender offers to give you a mortgage with a variable interest rate, you are entitled by law to also be offered a mortgage with an interest rate that will not change. By law, this fixed interest rate mortgage must be offered to you at reasonably competitive terms and rate. On variable interest loans, the Lender will explain to you how the interest rate can change in the future, the effect of changes in the index on the rate and term, and an explanation of the index.

Rhode Island
Rhode Island Loan Broker License No. 20062113LB (also doing business as LT Technologies, LLC, GetSmart® and GetSmart.com)

South Carolina

LendingTree, LLC
701 Easley Hwy.
Pelzer, SC 29669
803-548-4530

NMLS ID: # 234375
License No. MB-0504600

Mortgage Broker Fee Agreement for Financial Services

Notice to Prospective Borrower(s): Read this contract carefully so that you can make an informed choice. You are entitled to a copy of this contract. Accepting the terms of this contract does not obligate you to obtain a mortgage loan through this mortgage broker, nor does it constitute mortgage loan approval.

Who do I Represent?

LendingTree, as your mortgage broker, is acting as your agent in providing mortgage brokerage services. As your agent, LendingTree owes you a duty of the utmost care, honesty and loyalty, including full disclosure of all material facts. LendingTree does not have an agency relationship with any other person.

LendingTree will provide you with multiple conditional loan offers through its network of U.S. based Banks, thrifts, mortgage bankers and finance companies (“Lenders”). LendingTree is a computerized loan originator. LendingTree does not take applications, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements. LendingTree's services are only administrative. Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from these Lenders. You may have to complete an application with a Lender before they will extend an unconditional loan offer. A Lender you select may require you to pay an application fee or other fee to cover the costs of an appraisal, credit report or other items. The Lender will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee.

Services to be Provided by Mortgage Brokerage Business

LendingTree will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to Lenders; (3) offer you access to general educational information concerning home financing including glossaries, articles and calculators; and (4) provide you with the initial loan offers from Lenders responding to your loan request. Note: initial loan offers are provided only when you complete a traditional (full-form) LendingTree loan request.. If you submit a complete loan application with any of the Lenders, these Lenders will provide you with a good faith estimate of the settlement costs in connection with your loan in accordance with applicable law.

Lender Payments to Broker Disclosure

I understand that, as compensation for its services, LendingTree will be paid as follows:

LendingTree does not charge you a fee to use its service. LendingTree receives a marketing lead generation fee, paid for by the Lender, of up to $215  and if you close a home equity loan with the lender, a computerized loan originator fee of up to $550 for the goods, facilities and services provided.

Co-Brokering

LendingTree does not co-broker loans in South Carolina. 

Borrower Payments to Broker Disclosure

I understand that I am required to pay the following fees in connection with my Loan Request to LendingTree:

____ Application Fee                         $ N/A
____ Appraisal Fee                            $ N/A
____ Credit Report Fee                      $ N/A


This Mortgage Broker Fee Agreement for Financial Services is dated as of the date you submit your loan request and is valid for ninety (90) days. For loan request information, including your name, the requested loan amount, lien priority and the date of your loan request, please see the Loan Information Page displayed prior to the submission of your loan request, which is incorporated herein by reference. For interest rates and fees applicable to your loan request, please see the Lender responses to your request.

Agency to Receive Borrower Complaints

The following agencies are designated to receive complaints or inquiries about the origination and making of your mortgage:

Street Address      South Carolina Department of Consumer Affairs
                             2221 Devine Street, 2nd Floor
                             Columbia, SC 29205
Mailing Address   P.O. Box 5757
                            Columbia, SC 29250
Phone                   803-734-4200 or toll free in SC only 1-800-922-1594

Please print and retain a copy of this Mortgage Broker Fee Agreement for Financial Services and the Loan Information Page for your records.

Applicant: Do not sign this form if spaces are left blank.

I acknowledge by submission of my loan request that I have received these disclosures during the submission of  my loan request and that I understand these disclosures or will contact LendingTree if I have questions about these disclosures. I understand that a copy of this disclosure will be maintained by LendingTree. I voluntarily enter into this mortgage transaction.

This Mortgage Broker Fee Agreement for Financial Services is dated as of the date you submit your loan request form through LendingTree’s website.  By submitting your loan request form, you acknowledge receipt of and that you have read and understood this Mortgage Broker Fee Agreement for Financial Services.

Attention Borrowers: Know Your Rights!
This may be the largest and most important loan you get during your lifetime. You should be aware of certain rights before you enter into any loan agreement.

1. You have the RIGHT to shop for the best loan for you and compare the charges of different mortgage brokers and lenders.
2. You have the RIGHT to be informed about the total cost of your loan including the interest rate, points and other fees.
3. You have the RIGHT to ask for a Good Faith Estimate of all loan and settlement charges before you agree to the loan and pay any fees.
4. You have the RIGHT to know what fees are not refundable if you decide to cancel the loan agreement.
5. You have the RIGHT to ask your mortgage broker to explain exactly what the mortgage broker will do for you.
6. You have the RIGHT to know how much the mortgage broker is getting paid by you and the lender for your loan.
7. You have the RIGHT to ask questions about charges and loan terms that you do not understand.
8. You have the RIGHT to a credit decision that is not based on your race, color, religion, national origin, sex, marital status, age, or whether any income is from public assistance.
9. You have the RIGHT to know the reason if your loan was turned down.
10. You have the RIGHT to ask for the HUD settlement costs booklet “Buying Your Home”.
11. You have the RIGHT to request a copy of your settlement statement (Form HUD-1 or 1-A) one day prior to your loan closing.


Buying Your Home and other helpful information is available at HUD’s WEB site:  http://www.hud.gov/offices/hsg/rmra/res/respa_hm.cfm
For other questions call 1-800-569-4287.

South Dakota
South Dakota Foreign Corporation Entity No. FL002607

Tennessee
Tennessee Mortgage License No. 109266 (also doing business as GetSmart® and GetSmart.com)

At this time, LendingTree does not accept loan requests for auto, credit card or personal loans from Tennessee residents, nor does LendingTree accept loan requests for home equity loans secured by Tennessee property.

Texas
Texas Mortgage Company License No. 1136
Mr. Shan Guo’s Residential Mortgage Loan Originator No. 300978
Address: 1312 Village Creek Drive Suite 900, Plano, TX  75093

RESIDENTIAL MORTGAGE LOAN ORIGINATOR DISCLOSURE

Designated Representative: Shan Guo 

The information in this disclosure is provided to clarify the nature of our relationship, my duties to you, and how I am to be compensated as a Residential Mortgage Loan Originator. This disclosure is a requirement of the Texas Mortgage Broker License Act. Since I am working for LendingTree, LLC, references to "we" or "us" refer to me and LendingTree, LLC.

Duties and Nature of Relationship

You, the applicant(s), have requested assistance in obtaining a residential mortgage loan. We will submit your loan request to a participating Lender which we may from time to time contract upon such terms as you may request or a Lender may require. In connection with this mortgage loan, we are acting as an independent contractor and not as your agent. We will enter into separate independent contractor agreements with various Lenders. While we will seek to assist you in meeting your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest or best terms available in the market.

How LendingTree, LLC will be compensated

LendingTree, LLC will not charge you a fee to use its services. LendingTree, LLC receives its compensation from the Lender for the goods, facilities and services actually provided by LendingTree, LLC.
These fees are paid by the Lender and are not refundable under any conditions.
The estimated fee which LendingTree, LLC will receive at closing will be as shown on the good faith estimate which the Lender will provide to you within three (3) days of application with such Lender in accordance with the requirements of the Real Estate Settlement Procedures Act and its implementing regulations.

LENDINGTREE, LLC IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. ANY CONSUMER WISHING TO FILE A COMPLAINT AGAINST LENDINGTREE, LLC SHOULD COMPLETE, SIGN, AND SEND A COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEB SITE LOCATED AT http://www.sml.texas.gov OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY MAIL AT THE ADDRESS ABOVE, BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE AT 1-877-276-5550, BY FAX AT (512) 475-1360, OR BY E-MAIL AT SMLINFO@SML.TEXAS.GOV.
THE DEPARTMENT MAINTAINS THE MORTGAGE BROKER RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN TYPES OF JUDGMENTS AGAINST A MORTGAGE BROKER OR LOAN OFFICER. NOT ALL CLAIMS ARE COMPENSABLE AND A COURT MUST ORDER THE PAYMENT OF A CLAIM FROM THE RECOVERY FUND BEFORE THE DEPARTMENT MAY PAY A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT SUBCHAPTER F OF THE MORTGAGE BROKER LICENSE ACT ON THE DEPARTMENT’S WEB SITE REFERENCED ABOVE.

Utah
Utah Mortgage Entity License No. 5489470-MLCO

Vermont
Vermont Mortgage Broker License No. 0055 MB

LendingTree is acting in a brokerage capacity and will provide the following services in connection with your loan: making loan requests available to you; transmitting your completed loan request to participating Lenders in our network; offering you access to general educational information concerning home financing including glossaries, articles and calculators; sending you the initial loan offers from Lenders responding to your loan request.

LendingTree represents your interests in the following ways: (1) LendingTree shall accurately transmit the information provided by you in the loan request form to Lenders that are authorized to conduct business in Vermont, (2) LendingTree shall comply with applicable state and federal equal credit opportunity and fair credit reporting acts, and (3) LendingTree shall safeguard the privacy of your personal identifying information by adhering to our privacy policy as published on our website. LendingTree does not otherwise represent the interests of you or the participating Lenders. Our service is consultative only and you should rely on your own judgment in deciding which loan product best suits your needs and financial means. You are not relying on LendingTree to select a loan product for you.

LendingTree does not charge you a fee to use the LendingTree service.

LendingTree receives fees from our participating Lenders for transmitting your loan request to the Lenders and for closed loans that were originated through the LendingTree service.

Virginia
Licensed by the Virginia State Corporation Commission. (also doing business as LendingTree of Delaware, LLC)


Washington
Washington Mortgage Broker License No. MB1136.  (also doing business as GetSmart® and GetSmart.com)

You are not required to use LendingTree's computerized loan services to obtain a residential mortgage loan; and that the full range of loans available as offered by Lenders may not be listed on LendingTree's computerized loan services system, and different terms and conditions, including lower rates, may be available from others not listed on the system.

If your loan request is forwarded to one or more participating Lenders you may receive from the Lenders a good faith estimate of settlement costs under RESPA and an initial disclosure statement required under the TILA.

The interest rate quoted in connection with the loan you select is subject to change without notice unless and until an interest rate lock-in agreement has been made between you and the Lender. LendingTree does not offer lock-in agreements and does not guarantee any rate of interest quoted by a participating Lender. If you enter a lock-in agreement with the Lender and are required to pay a lock-in fee, the terms and conditions under which the lock-in fee may be refunded, if any, will be set by the Lender.

LendingTree will not collect any fees from you in connection with your completion of a loan request. All fees will be collected from and payable by the Lender. If the Lender is licensed under the Mortgage Broker Practices Act, the fees paid by you for third-party provider services (such as an appraisal or credit report), may be held in a trust account and any moneys remaining after the payment to third-party providers will be refunded to you.

If you are unable to obtain a loan for any reason, the Lender, if licensed under the Mortgage Broker Practices Act, will, within five (5) days of a written request by you, give copies to you of any appraisal, title report, or credit report paid for by you, and transmit the original appraisal, title report, or credit report to any other mortgage broker or lender to whom you direct. Transmission of these reports includes the right to use these reports. You are also entitled to receive a copy of any appraisal paid for by you, pursuant to the federal Equal Credit Opportunity Act.

Washington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color, national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with this law.

West Virginia
West Virginia Mortgage Brokers License No. MB-20020

Wisconsin
Wisconsin Mortgage Broker License No. 2630BR

LendingTree provides mortgage services at no cost to you. LendingTree will not charge or seek fees of any kind from you. This agreement remains in effect only as long as you seek to use the services offered by LendingTree; you may discontinue this relationship at any time, without notice, at no cost or penalty to you. This agreement does not create an exclusive relationship.

LendingTree does not act as a lender or credit provider. LendingTree will forward your loan request to participating Lenders and one or more Lenders will provide you with their loan product offers. LendingTree does not distribute the products of all lenders in the market and cannot guarantee the lowest price or best terms available in the market.

LendingTree receives fees from participating Lenders and may be paid services, goods or facilities performed or provided by us to the Lender.

Wyoming
Wyoming Residential Mortgage Lender/Broker License No. 838 (also doing business as GetSmart® and GetSmart.com)

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.