LONE STAR REVERSE MORTGAGE  – TERMS OF USE By accessing LoneStarReverseMortgage.com (the “Website”), you agree to abide by these terms of use. If you do not agree with these terms, please do not access any other parts of the website. © Copyright 2016, Lone Star Reverse Mortgage and its website LoneStarReverseMortgage.com. All rights reserved. Information on this website is believed to be accurate and reliable at the time of publishing, however Lone Star Reverse Mortgage assumes no responsibility for any errors or omissions that may appear on this website. The information contained on this site is for information purposes only and is subject to change at anytime. Please call for additional information and to verify any offers or programs. Bob Worley – NMLS #211905 – TX Lic.# 50404 Debbie Worley – NMLS #211059 – TX Lic.# 67929 Lone Star Reverse Mortgage NMLS # 769381, Corporate Office – 207 Keel Way, Horseshoe Bay, Texas 78657. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

Examples of reverse mortgage cash proceeds, located throughout the Web site, represent estimates of available cash from a HECM reverse mortgage based on age, home value, county, and interest rates. These examples are not intended to be specific to you and your proceeds may vary from these examples for numerous reasons, including but not limited to, your age, your home value, your outstanding mortgages and liens, your county, current 203b limits, and interest rates at the time your reverse mortgage closes. 2. By submitting personal information for a free reverse mortgage estimate, you understand and agree that Lone Star Reverse Mortgage reverse mortgage calculator service (the “Reverse Mortgage Calculator”) assumes the accuracy and completeness of the information you supply, that the Reverse Mortgage Calculator provides only an estimate of the proceeds you might receive from a reverse mortgage and that the actual proceeds you may be offered at the conclusion of your application and underwriting process may be higher or lower than the proceeds quoted by the Reverse Mortgage Calculator. You also understand that Lone Star Reverse Mortgage does not guarantee that you will be able to successfully close your reverse mortgage at the conclusion of your application process. You also agree to indemnify Lone Star Reverse Mortgage for any liability and/or damages that Lone Star Reverse Mortgage suffers as a result of your unauthorized use of the Reverse Mortgage Calculator or our web site. By submitting personal information for a free reverse mortgage estimate, you understand and agree that Lone Star Reverse Mortgage may refer your personal information to third party companies (other than Lone Star Reverse Mortgage) so they may provide additional product offerings or services to you other than a reverse mortgages. In some instances, these additional product offerings might be offered because you may not qualify for a reverse mortgage based upon the personal information you enter. 3. By submitting an initial application (the “Application Form”), you represent that you are not doing so, directly or indirectly, for the purpose of or in connection with any attempt to solicit, sell or obtain a reverse mortgage to, for or on behalf of a third party (other than as a means of referring such third party to our services). You also agree to indemnify Lone Star Reverse Mortgage for any liability and/or damages that Lone Star Reverse Mortgage suffers as a result of your unauthorized use of the Application Form. It is your responsibility to evaluate the accuracy, completeness and usefulness of the information you’ve provided in the application. Without such, Lone Star Reverse Mortgage may not be able to help you close your reverse mortgage. 4. The Website and content may be protected by one or more of the following: copyrights, patents, database rights, trademarks, service marks and/or other intellectual property or proprietary rights that are owned by Lone Star Reverse Mortgage and/or third parties. Other service, product and company names appearing on the site may be trademarks or service marks of their respective owners. You may not remove any copyright, trademark or other proprietary notice or legend contained on (or printed from) the Web site. We may revise the Web site at any time, without notice. 5. You may not publish, broadcast, retransmit, reproduce, commercially exploit, create any derivative of or otherwise disseminate all or any portion of the website without the express prior written permission of Lone Star Reverse Mortgage and any applicable third party. You may not decompose, decompile, reverse engineer, disassemble or otherwise deconstruct all or any portion of the Web site, nor will you frame the Web site or use any robot, spider, or other device, software or process, whether manual or automatic, to monitor or copy our web pages or the content contained herein. You may reproduce quotes and information on the Website only for your own personal, non-commercial use. 6. You agree that any controversy or legal claim arising out of or relating to these Terms of Use or our services, excluding action we may take to collect fees pursuant to Paragraph #3 and/or recover damages or obtain an injunction relating to the Web site’s operations, intellectual property and our services pursuant to Paragraphs #4 and #5, shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party, unless we, in our sole discretion, consent thereto. The arbitration shall be conducted in Texas and judgment on the arbitration award may be entered in any court having jurisdiction thereof. Should either you or Lone Star Reverse Mortgage file an action contrary to this provision, the other party may recover attorneys’ fees and costs up to $10,000.

About the WebSite Unless otherwise noted, the graphic images, buttons, layout, and text contained in the Website are the exclusive property of Lone Star Reverse Mortgage, and/or its affiliates and may not be copied or distributed, in whole or in part, without the express written consent of Lone Star Reverse Mortgage Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use. Lone Star Reverse Mortgage cannot guarantee that the hyperlinks contained in the Web site will be accurate at the time of your access. Lone Star Reverse Mortgage assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. Lone Star Reverse Mortgage believes that making hyperlinks to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. Lone Star Reverse Mortgage not obligated to monitor any transmission made through the respective web pages and newsgroups. However, Lone Star Reverse Mortgage has the right, but not the obligation, to monitor any transmission made to and for the Web site. Lone Star Reverse Mortgage may use or disclose information gathered from the Web site.

Privacy This privacy notice discloses the privacy practices for Lone Star Reverse Mortgage. This privacy notice applies solely to information collected by this web site. It will notify you of the following: What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared. What choices are available to you regarding the use of your data. The security procedures in place to protect the misuse of your information. How you can correct any inaccuracies in the information. Information Collection, Use, and Sharing We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone. We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to ship an order. Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy. Your Access to and Control Over Information You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website: See what data we have about you, if any. Change/correct any data we have about you. Have us delete any data we have about you. Express any concern you have about our use of your data. Security We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment. If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 800-307-9113 or via email. With respect to security: When we transfer and receive certain types of sensitive information such as financial or personal information, we redirect visitors to a secure server. We have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at the Web site. Lone Star Reverse Mortgage does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that the Web site or the server that makes it available is free of viruses or other harmful components as such information is received by you because Lone Star Reverse Mortgage cannot control the transmissions of information over the Internet.

LIMITATION OF LIABILITY LONE STAR REVERSE MORTGAGE WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF ITS SITES. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF (OR INABILITY TO USE) THE SITES; (2) USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM ITS WEBSITES; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. FURTHERMORE, EXCEPT AS PROVIDED BELOW, WE ARE NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES-OR BOTH. HOWEVER, IN CERTAIN STATES WHERE THE LAW MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY AND YOU MAY HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR THEY ARE CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT OR ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITES. DISCLAIMER THE MATERIAL ON OUR SITES IS PROVIDED AS IS. THIS MEANS THAT LONE STAR REVERSE MORTGAGE DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITES. THIS INCLUDES, BUT ITS NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT OUR SITES, OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (4) THAT INFORMATION CONTAINED IN THE SITES IS ACCURATE AS OF ANY PARTICULAR DATE.