THE FOLLOWING USER AGREEMENT DESCRIBES THE TERMS ON WHICH BEYER MORTGAGE SERVICES INC. (THE "COMPANY") OFFERS YOU ACCESS TO THE COMPANY'S INTERNET SITE AND SERVICES. This Agreement describes the terms and conditions applicable to your use of our services at the beyermortgage.com Internet site and telephony systems. About the Company The beyermortgage.com Internet site is owned and operated by Beyer Mortgage Services Inc. The Company was incorporated in British Columbia in 1998 and is a registered mortgage broker under the "Mortgage Brokers Act" of British Columbia. Beyer Mortgage Services Inc. offers mortgage services to customers applying for a mortgage through the beyermortgage.com site. Applications submitted through the beyermortgage.com Internet site or telephony systems are securely routed to a licensed mortgage consultant, who deals with consumers in compliance with local, Provincial, and Federal regulations and laws. Fees and Services Use of the beyermortgage.com site is offered by Beyer Mortgage Services Inc. to applicants free of charge. There are no fees relating to the mortgage application, or application for any other product or service, through beyermortgage.com. However a fee may be charged under certain circumstances directly to the applicant by a mortgage lender or the Company if the applicant decides to proceed with their application. Our mortgage consultants will advise you of any applicable broker or lender fees prior to proceeding with the application. Mortgage Brokers - Fees and Services Mortgage brokers act as intermediaries between borrowers and a wide variety of mortgage lenders including banks, trust companies, credit unions and life insurance companies. Mortgage lending financial institutions pay mortgage brokers "placement" fees for originating and underwriting new mortgage loan business on their behalf. In the vast majority of cases a mortgage broker is paid by the lender and therefore does not charge the borrower. However, in some cases where the application is complex or mortgage financing is difficult to arrange, the mortgage broker may charge a fee to the borrower for services rendered. Ask your broker about any applicable fees, and then decide whether to proceed or cancel your application. Limitation of Liability Beyer Mortgage Services Inc. provides the beyermortgage.com Internet site and services "as is" to the user without any warrant y or condition, express, implied or statutory. Beyer Mortgage Services Inc. disclaims any implied warranties of title, merchantability, non-infringement of intellectual property or fitness for any particular purpose. Except as may be otherwise expressly provided by written agreement between the Company and the user, the Company will have no tort, contract or any other liability to the user and/or any third party arising in connection with the use of this Internet site, or any web browser, including any damages you may suffer if you transmit confidential or sensitive information to us or if we communicate such information to you at your request over the Internet, or reliance on any information or services provided at this Internet site. The Company will under no circumstances be liable to the user and/or any third party, regardless of the form of action, for any lost profits or lost opportunity, or any indirect, special, consequential, incidental or punitive damages whatsoever, even if the Company has been advised of the possibility of such damages. Beyer Mortgage Services Inc. does not endorse the services or products of its Affiliates. Access to Affiliates through the Company's website by way of link or otherwise is for convenience of the user only. The Company advises interested or concerned applicants to contact the applicable regulatory authorities responsible for governing the nature of their business in their Province. The following Internet sites may provide more detailed information: Financial Institutions Commission Canadian Association of Home Inspectors The Law Society of British Columbia Real Estate Council of British Columbia Security Beyer Mortgage Services Inc. will not be liable for any delay, difficulty in use, inaccuracy of information, computer viruses, malicious code or other defect in this Internet site, or for the incompatibility between this Internet site and files and the user's browser or other site accessing program. Nor will the Company be liable for any other problems experienced by the user due to causes beyond the Company's control. No license to the user is implied in these disclaimers. Unencrypted email communications over the Internet are not secure. We do not encourage anyone to send personal financial information to us using unencrypted email. Beyer Mortgage Services Inc. uses industry-standard security measures such as SSL for on-line mortgage applications. Please note though that no transmission over the Internet can be absolutely secure. A more secure means of communicating with us over the internet is available to customers using the beyermortgage.com "Apply Online" service. However, users should be aware that this online mortgage application has also been designed specifically to omit the necessity of the applicant having to provide sensitive information. Applicants acknowledge that it is their responsibility to protect their sensitive financial information by declining to transmit it on the secure application or in the accompanying notes submitted. Those applicants that are hesitant to provide personal information over the Internet are encouraged to select the "Download and Fax Back" option or the "Arrange a Call Back" option and thereby proceed with their application conventionally by phone, fax or in person with their mortgage broker. Web Content and Materials The information and materials contained in the Company's Internet site - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Furthermore, the information and materials contained in the Company's Internet site are not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard. Beyer Mortgage Services Inc. makes all reasonable efforts to ensure that the information is complete, reliable and accurate, but does not warrant the accuracy of any data or quotation. Beyer Mortgage Services Inc. may discontinue or make changes in the information, products or services described herein at any time. Any dated information is published as of its date only, and the Beyer Mortgage Services Inc. does not undertake any obligation or responsibility to update or amend any such information. Beyer Mortgage Services Inc. reserves the right to terminate any or all Internet offerings without prior notice to the user. Furthermore, by offering information, products or services via this Internet site, no solicitation is made by Beyer Mortgage Services Inc. to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law. Not all products and services are available in all geographic areas. Mortgage Rates Mortgage Rates as posted on the Company's internet site and telephony services are subject to change without notice to users at any time, and the internet site and telephony services may not immediately reflect such changes. All mortgage rates quoted are subject to credit approval (O.A.C). Software Backup While every effort is made to ensure that all software provided at this web site, is suitable for use on a wide variety of computer systems, you should take reasonable and appropriate precautions to scan for computer viruses, and ensure compatibility of the software with your specific computer system. You should also ensure that you have a complete and current backup of the information contained on your computer system prior to installing such software. Links to Other Sites Links to non- Beyer Mortgage Services Inc. Internet sites are provided are for convenience only and are provided solely as pointers to information on topics that may be useful to users of the Company's Internet sites, and the Company has no control over the content on such non-Company Internet sites. If you choose to link to an Internet site not controlled by the Company, Beyer Mortgage Services Inc. makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does the Company warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. The Company does not guarantee the authenticity of documents on the Internet. Links from or to non-Company sites do not imply any endorsement of, any association with their operators, or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. Copyright Notices All information in this Website is protected under the copyright laws of Canada and/or other countries. The works of authorship contained in this Internet site, including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by Beyer Mortgage Services Inc. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without Beyer Mortgage Services Inc.'s prior written consent. Certain names, graphics, logos, icons, designs, words, titles or phrases at this web site may constitute trade names, registered or unregistered trade-marks or service marks of Beyer Mortgage Services Inc. Trademarks may be registered in Canada and in other countries as applicable. The display of trademarks on pages at this web site does not imply that a license of any kind has been granted. Any unauthorized downloading, re-transmission or other copying or modification of trademarks and/or the contents herein may be a violation of federal or common law, trademark and/or copyright laws and could subject the violator to legal action. Use of this Site The user's access to and use of the Beyer Mortgage Services Inc. Internet site, and the terms disclaimer are governed in all respects by the laws of the Province of British Columbia as such laws are applied to agreements entered into and to be performed entirely within the Province of British Columbia between British Columbia residents. We do not guarantee continuous, uninterrupted or secure access to our services, and operation of our Internet site may be interfered with by numerous factors outside of the Company's control. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. This Agreement sets forth the entire understanding and agreement between the Company with respect to the subject matter hereof. Establishing a Link to Our Site If you are interested in establishing a link from your website to our home page, or if you wish to incorporate our name, or our products names within another site, please contact us for permission. Inquiries about permission should be directed to: Ron Beyer Beyer Mortgage Services Inc. 202 – 1075 Pendergast Street Victoria, BC V8V 0A1 250-592-9711 legal@beyermortgage.com