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												<p>MAY 1, 2007</p>
												
												<p>These are the Terms of Service for BestLocalLenders.com.</p>
												
												<p>These Terms of Service apply to BestLocalLenders.com, and its website located at www.BestLocalLenders.com, 
												as well as all websites and URLs controlled or operated by BestContractors.com, Inc. that link to these Terms 
												of Service, unless otherwise specified. These Terms of Service also apply to the services provided by BestLocalLenders.com.</p>

												<p>You must read, agree to and accept all of the terms and conditions contained in these Terms of Service. 
												By proceeding to use the website or logging in, you expressly agree to and accept all these Terms of Use. </p>

												<p>This version of the Terms of Service is effective as of the date set forth above. By logging in to the system 
												or using the website in any way, users consent to the Terms of Service that are effective at that time. Even if 
												users have read and approved a prior version, users agree to the version that is effective as of any date that 
												they log in to the system or use the website. BestLocalLenders.com reserves the right to alter these Terms of 
												Service, as well as our website and services, at any time and without notice. All changes will become effective 
												thirty days after they are first posted on the website.</p>

												<p>This website contains links from and to other websites that are not controlled by BestLocalLenders.com. 
												BestLocalLenders.com is not responsible for Terms of Service, or any other governing terms or conditions, 
												of other websites.</p>

												<p>Please e-mail questions or concerns regarding these Terms of Service to BestLocalLenders.com at 
												<a class="defaulttexthyperlink" href="mailto:support@bestlocallenders.com">support@bestlocallenders.com.</a></p>
												
												<p>SERVICES<br />BestLocalLenders.com connects homeowners and lending professionals. In order to facilitate its services, 
												BestContractors.com, Inc. operates www.BestLocalLenders.com and related websites.</p>

												<p>In order to use BestLocalLenders.com services or website, as a homeowner or lending professional, 
												you must register. Please go to www.BestLocalLenders.com to do so. As part of the registration process, 
												you must create a username and password.</p>

												<p>Registered users may submit loan application requests to our website. Our website will then match the 
												parameters in the loan application request with suitable lending professionals in our network, and will provide 
												the requesting user with several lending professionals, if three or more lending professionals meet the 
												parameters. BestLocalLenders.com will then contact the requesting user to validate any necessary 
												information. Finally, BestLocalLenders.com will forward the loan application request to the chosen lending professionals.</p>

												<p>BestLocalLenders.com does not warrant, guarantee or represent that users will be matched with a 
												lending professional as a result of a loan application request. We may not have a lending professional in our 
												network suitable for your loan application request, or a suitable lending professional may not be willing or able 
												to meet your loan application request.</p>

												<p>BestLocalLenders.com does not warrant, guarantee or represent the work or ability of the lending 
												professionals in our network in any way, and does not endorse or make any recommendation with 
												regard to the lending professionals in our network. None of the lending professionals in our network 
												is an agent or representative of BestLocalLenders.com for any purpose whatsoever; neither is 
												BestLocalLenders.com an agent or representative of any lending professional in our network for any 
												purpose whatsoever. BestLocalLenders.com merely provides information on licensure (where applicable), 
												as well as contact information, for the lending professionals in our network. After you have selected multiple 
												lending professionals to bid on your loan application request, it is up to you to investigate whether 
												that lending professional is suitable for your loan application request and negotiate any agreement with any lending professional.</p>

												<p>If you choose to hire a lending professional from our network, you are solely responsible for 
												entering into an agreement with that professional. BestLocalLenders.com is not responsible for, and 
												does not warrant, guarantee or represent, the quality of the work, the timeliness of the services, 
												or any other aspect of the work or your relationship with a lending professional in our network. 
												Your relationship with a lending professional, should you choose to enter into one, is governed by 
												any agreement you execute with that lending professional.</p>

												<p>NO AGENCY<br />You are not an agent of BestLocalLenders.com for any purpose whatsoever; neither is 
												BestLocalLenders.com your agent for any purpose whatsoever.</p>

												<P>CHILDREN<br />Children, meaning those who are not yet 18 years old, are not eligible to use 
												BestLocalLenders.com.</P>

												<p>USE OF SERVICES<br />You represent and warrant that your use of BestLocalLenders.com's 
												services and websites is for your personal use, and is not for any commercial or advertising purpose.</p>

												<p>ASSIGNMENT OF CONTENT<br />You hereby assign any and all rights in and to the content and 
												information that you post on any BestContractors.com, Inc. websites, including all ratings, to BestLocalLenders.com 
												without compensation. You agree that all such content and information is the sole and exclusive property 
												of BestLocalLenders.com, and that you have no right to reproduce or publish such content and information, 
												or use such content and information, in any way other than your personal use relating to your use of 
												BestLocalLenders.com services and website.</p>

												<p>If you use, reproduce or publish such content and information, you hereby indemnify and hold 
												BestLocalLenders.com, its owners, directors, officers, agents, employees, representatives, users and 
												service professionals, harmless against any and all claims and demands, including costs attorneys' fees, 
												arising out of or related your use, reproduction or publication of such content and information.</p>

												<p>PRIVACY POLICY<br />In order to use BestLocalLenders.com services and website, you must 
												provide us with certain information. These information requirements, as well as how BestLocalLenders.com 
												protects and handles your information, are detailed in our Privacy Policy.</p>

												<p>SUBMISSION OF INFORMATION<br />Whenever you submit personal information to BestLocalLenders.com, 
												such as a name or e-mail address, you specifically represent and warrant that such information is true 
												and correct. To knowingly submit false information is a fraudulent matter, and will be treated as such 
												by BestLocalLenders.com. If you knowingly submit false information, including the information of anyone 
												other than yourself, you hereby indemnify and hold BestLocalLenders.com, its owners, directors, officers, 
												agents, employees, representatives, users and service professionals, harmless against any and all claims, 
												liabilities, damages and costs (including attorneys' fees) arising out of or related to your entry of false information.</p>

												<p>CONFIDENTIALITY<br />As part of your use of BestLocalLenders.com's services and website, you will 
												have access to information regarding the lending professionals in our network. Such information is strictly 
												confidential, and you hereby agree to keep such information confidential. You also agree not to use any such 
												information for any purpose whatsoever than your personal use related to your use of BestLocalLenders.com's 
												services and website.</p>

												<p>REVOCATION OF SERVICES<br />BestLocalLenders.com hereby reserves the right, in its sole discretion 
												to terminate your right to use the BestLocalLenders.com services or website at any time, for any reason, 
												and without notice. If BestLocalLenders.com determines or suspects, in its sole discretion, that you are 
												misusing, or attempting to misuse, its services or website, including using the services or website for 
												any purpose other than your personal, non-commercial use, your access to the services and the website 
												will be terminated immediately.</p>

												<p>PROVISIONS SPECIFIC TO LENDING PROFESSIONALS<br />As part of the registration process of the 
												lending professionals in our network, BestLocalLenders.com verifies that the lending professionals have met 
												all licensure requirements that are required by their business. While we verify licenses of our lending 
												professionals (where applicable) at the time of registration, we do not investigate this requirement 
												on an ongoing basis. Information contained on our website may be out-of-date or inaccurate, and we in no 
												way represent, warrant or guarantee that any information on our website including the lending professionals 
												in our network is accurate. Users must verify the accuracy of all such information before contracting with a 
												lending professional.</p>

												<p>AS IS BASIS<br />YOU ACKNOWLEDGE AND AGREE THAT BESTLOCALLENDERS.COM, AND OUR DIRECTORS, 
												OFFICERS, EMPLOYEES, AGENTS AND REPRESENTATIVES, PROVIDE OUR WEBSITES AND SERVICES ON AN 
												"AS IS" BASIS AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. 
												BESTLOCALLENDERS.COM, AND OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS AND REPRESENTATIVES, 
												SPECIFICALLY DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING THE WARRANTIES OF 
												MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. Some states do not allow the disclaimer 
												of implied warranties, so the foregoing disclaimer may not apply to you.</p>

												<p>LIMITED LIABILITY<br />IN NO EVENT SHALL BESTLOCALLENDERS.COM, OR OUR DIRECTORS, OFFICERS, 
												EMPLOYEES, AGENTS, OR REPRESENTATIVES, BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL 
												OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH OUR WEBSITE, OUR SERVICES, 
												OR THESE TERMS OF SERVICES. Some states do not allow the exclusion or limitation of incidental or 
												consequential damages, so the foregoing limitation or exclusion may not apply to you.</p>

												<p>INDEMNITY<br />You agree to indemnify and hold harmless BestLocalLenders.com, its directors, 
												officers, employees, agents and representatives, from any claim or demand, including costs and 
												attorneys' fees, made by any third party arising from or related to your breach of these Terms of Service 
												or your violation of any law or the rights of a third party.</p>

												<p>DISPUTE RESOLUTION WITH LENDING PROFESSIONALS<br />If you have a dispute with a lending 
												professional, you must address the dispute with your lending professional directly; BestLocalLenders.com 
												is not a party to your agreement with the lending professional and is not responsible for resolving your disputes.</p> 

												<p>YOU HEREBY RELEASE AND HOLD HARMLESS BESTLOCALLENDERS.COM, AND ITS OWNERS, DIRECTORS, 
												OFFICERS, AGENTS, EMPLOYEES, REPRESENTATIVES, LENDING PROFESSIONALS AND BUSINESS 
												PARTNERS, FROM ANY AND ALL CLAIMS AND DEMANDS, INCLUDING COSTS AND ATTORNEYS' FEES, OF ANY 
												KIND WHATSOEVER ARISING OUT OF OR RELATED TO ANY AGREEMENT OR DISPUTE BETWEEN YOU AND A 
												LENDING PROFESSIONAL.</p>

												<p>SUCCESSORS.<br />These Terms of Service and the rights and obligations under these Terms of Service 
												shall bind and inure to the benefit of BestLocalLenders.com's successors and assigns.</p>

												<p>GOVERNING LAW; VENUE.<br />These Terms of Service will be governed by and construed in accordance 
												with the substantive laws of the State of Colorado without regard to conflict of law provisions. You 
												hereby agree that any lawsuit or arbitration proceeding commenced pursuant to these Terms of Service 
												will be held in Denver, Colorado and the state and federal courts of Denver, Colorado will have exclusive 
												jurisdiction over all such matters that may arise. In any action filed or commenced, you hereby waive all 
												objections to personal jurisdiction or venue.</p>

												<p>SEVERABILITY.<br />If any one or more of the provisions contained in these Terms of Service, 
												for any reason, is held to be invalid, illegal or unenforceable in any respect, such invalidity, illegality 
												or unenforceability will not affect the validity and enforceability of any other provisions of these Terms of Service.</p>

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