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WHEREAS, Broker is in the business of originating mortgage loans secured by residential or commercial property (each, a "Loan") by taking and processing loan applications from prospective applicants (each, a "Loan Applicant "or "Borrower"); and Lender is in the business of accepting, underwriting and, upon approval of the Loans, funding such Loans, all in accordance with the terms and conditions set forth below and, in the Guidelines, (as hereinafter defined).


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NOW THEREFORE, in consideration of the mutual promises set forth herein, Lender and Broker agree as follows:

BROKER DUTIES

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1. Registration of Loan Application Packages; Guidelines.

Broker may register with and deliver to Lender for approval and funding application packages ("Loan Application Packages") for Loans originated by Broker, including any policies and procedures contained in program announcements, bulletins, memoranda, or other similar communications delivered to Broker or posted on Lender's website (www.lendzfinancial.com), as the same may be amended from time to time (collectively, as so amended, shall be referred to as the "Guidelines"), all of which are hereby incorporated herein by reference as if they were fully set forth herein. Broker acknowledges that any Guidelines posted on Lender's website may be amended from time to time by Lender without notice to Broker and Broker hereby agrees to review the material posted on Lender's website from time to time to stay current therewith.


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2. Loan Application Package Review and Loan Approval.


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Loan Application Packages solicited by Broker shall be submitted to Lender, which shall, in its sole and absolute discretion, determine the acceptability to Lender of the proposed terms, the creditworthiness of the Loan Applicant and the adequacy of the real estate intended as security for the Loan. Prior to the approval of a Loan Application Package by Lender, Broker shall not make any representations that Broker is authorized to approve a Loan Application Package on Lender's behalf.


Broker Compensation Addendum ("Addendum") is entered into by and between Reliable Holdings Manager, LLC DBA Lendz Financial ("Lendz Financial") and ("Broker"). This Addendum amends and supplements Wholesale Broker Agreement ("Agreement") entered into by and between Reliable Holdings Manager, LLC DBA Lendz Financial and Broker.

WHEREAS, the Agreement describes the compensation to be received by Broker and additional representations and warranties from the Broker to Lendz Financial;

WHEREAS, Lendz Financial and Broker have agreed upon the terms to be included in this Addendum as in the best interests of the parties.

NOW THEREFORE, in consideration of the mutual undertakings and covenants set forth in this Addendum, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows:

If completed and returned, this Addendum restates and supersedes all prior Broker Compensation Addenda to the broker Lending Agreement between the parties.

Lendz Financial and Broker agree that this Addendum will be effective for all mortgage loans registered on or after the date of this Addendum. Lendz Financial and Broker agree that the compensation levels specified below shall be effective until amended in writing by the Broker and received by Lendz Financial. Any change to this Addendum will be effective on the lst day of the following calendar Month and will remain in effect for a minimum of one calendar quarter. If Lendz Financial does not receive any change request by the end of each calendar quarter, the prior period compensation Tier will automatically renew for a calendar quarter, until further change requests are received. Lendz Financial and Broker agree that the compensation provisions of the Agreement will be supplemented as follows:

a.Compensation paid by the Borrower

Lendz Financial limits compensation paid by the Borrower to a maximum of 300 basis points on owner occupied transactions and 400 basis points on business purpose transactions. The broker may submit "Borrower-Paid Compensation" loans to Lendz Financial with any compensation level up to the maximum allowed. Borrower-Paid Compensation is an agreement of compensation between the Broker and the Borrower and is agreed to prior to submitting the file to Lendz Financial. By choosing this Borrower-Paid Compensation broker is being compensated for it's services only by Borrowers, and agrees to submit payment within ten (10) days of receipt of such notice. If payment is not timely received by Lendz Financial, the amount owing may be offset against any amount due Broker, or an affiliated Broker as determined by Lendz Financial, from Lendz Financial.

By signing below, we certify that:

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The Broker Company is in compliance with the Federal Reserve Board's Loan Officer Compensation, Anti- Steering, and Safe Harbor Final Rule as published in12 CFR Part 226 Regulation Z;

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We agree to this Broker Compensation Addendum to Wholesale Broker

Agreement and understand that payment of this compensation must be properly disclosed per all legal and regulatory requirements.

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We understand that this Broker Compensation Addendum to Wholesale

Broker Agreement impacts all loans submitted to Lendz Financial from all our office locations.

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Broker's compensation is not based on a transaction term or a proxy for a transaction term;

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Any compensation that Broker will pay to its individual loan originator employee(s) for originating the loan will not be based on a transaction term or a proxy for a transaction term, and such employee(s)s will not receive compensation from any other source.

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IN WITNESS, WHEREOF, the parties have caused this Addendum to be executed by their duly authorized representative who, by signing below, represent and certify as having the authority to bind the respective party to this