This AGREEMENT made this day ("Company"), and First Name collectively referred to as the "Parties."

In consideration of the mutual promises hereinafter contained, the Parties hereto promise and agree as follows:

General Principals: (YCOLFSERVICES,LLC) is not a direct lender, they are a consulting company hired to assist you, the Client, in locating personal credit lines. You agree to hold (COLFSERVICES, LLC) harmless of any unintentional misrepresentation. The company is not a lender and does not make loans or credit decisions in connection with loans. (COLFSERVICES,LLC) does not endorse or recommend the product(s) of any particular Lender. (COLFSERVICES,LLC) is not an agent of either the Client, or any participating Lender. The Company's services are administrative and consultative only. The Lender, and not (COLFSERVICES,LLC) is solely responsible for its services to the Client, and the Client agrees that (COLFSERVICES,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. The Client understands that the Lender(s) may keep the Client's loan request form whether or not the borrower is qualified for a loan with the Lender (s (COLFSERVICES, LLC) does not guarantee acceptance into any specific loan program or specific loan terms or conditions with any participating Lender; loan approval standards are established and maintained solely by an individual Lender(s), Likewise, (COLFSERVICES,LLC), does not guarantee that the loan terms or rates offered and made available by the participating Lender(s) through this agreement are the best terms or lowest rates available in the market. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock in agreement. By submitting the loan request containing the Client's signature, the Client is extending an express invitation to each Lender(s) making loan officers to contact the Client by telephone at the numbers the Client has provided, SO that the Lender(s) may assist the Client with (his/her) transaction, and the Client hereby consents to any such calls, even if (his/her) phone is on any DO NOT CALL List. By providing (COLFSERVICES,LLC), with the Client's information and/or submitting a loan request, the Client gives (COLFSERVICES, LLC), permission to make recorded calls to remind the Borrower of any deadlines or issues in connection with the Client's loan request. Client acknowledges that the Company is not liable for any decrease in Fico scores or ratings during the application process. Client also authorizes (COLFSERVICES, LLC), to order consumer credit reports and verify other credit information, including past and present references. It is understood that a copy of this contract will also serve as authorization.

The Client acknowledges that the Consulting Fee for the Company's services is offered on a contingency basis, with no fee due unless you receive funding. The Client agrees to pay the Company a consulting and loan fee equal to 10% of the total funded loan amount of each loan or line of credit/Credit Cards at time of receipt. INITIAL HERE

Client understands, because Company does not invoice client until services are rendered, Client will be confirming receipt of services at time of payment to Company. Any chargebacks issued by Client will be considered intentional fraud and reported to the local authorities.

Payment is due within 24 hours of receipt of each in voice. If payment is not received within the stated time frame, the client understands loans/credit lines may be shut down and files will be sent to collections. Client understands such activity will be reported to all credit bureaus. INITIALS HERE

This agreement will remain in effect for 180 days. During this time, you agree not to circumvent the Company by subsequently applying on your own to our recommended lending partner(s), and that you agree to pay the Company for any new loan or modification to an existing loan made between you and our recommended lending partner(s), regardless of your prior relationships or accounts with the lender. Consideration for this clause is made by our offering our fee to you on a contingency basis. INITIAL HERE:

Entire Agreement This Agreement constitutes the entire agreement between the Client and the Company and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written, or electronic, between the Client and the Company with respect to this agreement and information, software, products, and services associated with it. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved. Disclosures/Other Terms & Conditions We cannot guarantee that you will be approved for any specific amount, and the consulting fee will still be due in case the approved amount is lower that of the amount requested. 1 We will attempt to obtain installment loans and revolving lines of credit as well. Multiple credit applications may be submitted to achieve your total requested financing amount. Each credit application will result in a new inquiry on your personal credit report(s) because each lender will need to obtain your personal credit report(s) in order to underwrite your credit application. The normal range of interest rates for No Doc loans and lines of credit is 0% to 16.5% but the interest rate you receive may be higher or lower. Client agrees and understands that the Company is not responsible or liable for any credit line limits that are suspended , closed or reduced from the initial funding amount.

To all persons; be it known, that the undersigned as grantor hereby makes and grants a Limited and specific Power of Attorney to (COLFSERVICES, LLC) and its consultants, to act as my Attorney-in- Fact. My Attorney -in- fact shall act in my name, place and stead in any way which I, myself, could do if I were personally present, with the respect to the following matters: I.1) To the extent that I am permitted by the law to act through an agent. 2.2) To obtain any and all forms that my Attorney-in- Fact may deem necessary for the effective representation of my interest in this matter. 3.3) To request and receive any and all documents that are alleged or claimed to be my responsibility and to sign on my behalf for the completion of my business interest. This Power of Attorney shall be revoked upon: a) Resolution of the above referenced matter. b) If the grantor does not wish to be represented any longer: and/or c) If the Attorney-in-Fact does not wish to represent the grantor any longer. Disclaimers and Limitations: As a condition of use of the Company's services, the Borrower agrees to indemnify the Company and its suppliers, participating Lenders, or real estate professionals from and against any and all liabilities, expenses (including attorneys fees Definitions: 1) Consulting Fee: Fee paid to (COLFSERVICES, LLC) for the expert review, advice, preparation and submission of your credit application. 2) Submission: The forwarding of a completed credit application directly to underwriting (or in some cases directly to you, with specific instructions on how to submit it to underwriting, which may need to be done via, phone, fax, or in some cases in person, depending on the lender and the circumstances 3) Funded: Funds have been made available to you. 4) Trade lines: Active open accounts on your personal credit report. 5) Credit Inquiries: Number of requests by a lending institution, landlord or employer seeking to review an applicant's credit history.

Any claim or controversy arising out of or relating to the use of this agreement, to the goods or services provided by the Company, or to any acts or omissions for which you may contend the Company is liable, including but not limited to any claim or controversy as to arbitrarily ("Dispute"), shall be finally, and exclusively, settled by arbitration. The arbitration shall be held before one arbitrator under the commercial arbitration rules of the American Arbitration Association ("AAA") in force at that time. The arbitration shall be venue in Illinois except for Maine consumers for whom the location shall be a place reasonably convenient to the consumer. The arbitrator shall be selected pursuant to the AAA rules. Should no AAA rule regarding the selection of an arbitrator be in effect, the Company shall select an arbitrator from a panel of arbitrators acceptable to the Company. In any arbitration, the Company will pay the filing fee, plus the costs associated with the first day of arbitration, with the remaining costs of arbitration paid by the non- prevailing party. provided: however. that in Maine any cost to the Company shall be limited to the cost of filing a court case. To begin the arbitration process, a Party must make a written demand therefore. The laws of Texas shall be applied to any disputes arising out of this contract. Any judgment upon the award rendered by the arbitrators may be entered in any court of competent authority in Texas The arbitrators shall not have the power to award damages in connection with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party in-evocable waives any claim thereto except in Maine where state law will control all rights and remedies in the arbitration. The agreement to arbitrate shall not be construed as an agreement to the joiner or consolidation of arbitration under this agreement with arbitration of disputes or claims of any non- party, regardless of the nature of the issues or disputes involved.

THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN THE CLIENT AND THE COMPANY WILL BE RESOLVED BY BINDING ARBITRATION. BY SIGNING THIS AGREEMENT, THE BORROWER THUS GIVES UP ANY RIGHT TO GO TO COURT TO ASSERT OR DEFEND ANY RIGHTS. THE CLIENT ALSO GIVES UP ANY RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. THE CLIENT'S RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE

OR JURY. Arbitrator decisions are enforceable as any court order and are subject to very limited review by a court. By using the Company's goods and services the Client consents to these restrictions. Should a dispute arise, and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between the Client and the Company, the Parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Illinois If either party employs attorneys to enforce any right in connection with any dispute or lawsuit the prevailing party shall be entitled to recover reasonable attorneys' fees.

By my signature I confirm I have full authority to execute this agreement and to obligate all companies firms, corporations, partnerships, organizations, individual S, and/or entities referenced herein and certify that although (COLFSERVICES, LLC) may provide information advice and/or guidance on lender requirements for approval, the information provided to (COLFSERVICES,LLC) is truthful, accurate, and complete, and hereby release and hold (COLFSERVICES,LLC) and its principals, employees, and/or representative(s) or any and all liability or responsibility that may arise as a result of the credit application submitted by me or on my behalf, including incorrect numbers , dates, and descriptions. Limited power of attorney: I do hereby appoint (COLFSERVICES, LLC), its principals, employees, and/or representative(s), my true and lawful attorney- in -fact, for me and in my name, place, and stead, and for my use and benefit to endorse in my name, submit execute, acknowledge, and/or deliver credit applications and other documentation to potential lenders. I further give and grant unto my said attorney-in- fact full power and authority to do and perform every act as (COLFSERVICES, LLC) its principals, employees, and/or representative(s), shall deem necessary and proper to be done in the exercise of any of the foregoing powers as fully as I might or could do if personally present, with full power of substitution and revocation. Entire Agreement: I understand that this agreement is the complete and final agreement and that there are no other verbal, implied, or assumed agreements. WHEREOF; the Parties hereto have hereunder signed their names as hereinafter set forth. The Client and the Company.

AGREEMENT DESIGNATION and SUBMITTAL INSTRUCTIONS:

Contract must be SIGNED, DATED, scanned and emailed to your funding agent, or to YOUR EMAIL or faxed to Also Required with Contract Package Are:

1) Clear color copy of valid state issued identification card (front & back 2) Clear color copy of Social Security card (front & back

I hereby accept this contract and all the terms/conditions as stated above.

Key Details and Instructions You understand you will be obtaining business funding, in some cases personal funding. The credit lines extended to the Client will be in the Client's personal name and a business name. But will not report to your personal credit report in most cases.

NOT REPRESENTING AS A THIRD PARTY.

You understand that (COLFSERVICES, LLC) will be applying to banks / lenders on your behalf and

You will have multiple credit inquiries as a result of the Services. It is of critical importance that you do not make any additional credit inquiries before or during the term of the Consulting Agreement, unless authorized by (COLFSERVICES,LLC

PAYMENTS ARE DUE WITHIN 24 HOURS OF RECEIPT OF

EACH LINE regardless of whether you use the funding obtained by (COLFSERVICES,LLC) Separate Fees: Cash lines may have a fee, charged separately by the lender, for liquidating the funds. Most banks charge a 3% cash advance and/or balance transfer fee. (COLFSERVICES,LLC) does not guarantee an approval or a minimum amount to be approved with any individual lender. Multiple lenders are required to meet your funding requests in most cases. You may be required to communicate directly with some lenders and follow their loan submission procedures. Please try to avoid communication with the lenders while we are applying, unless we ask you to contact them. If you are requested, by (COLFSERVICES,LLC) to make a call to a bank, we will need you to do this within 24 hours. Some banks will require additional verification of identity. You agree to immediately notify and fax or email (COLFSERVICES,LLC) all approval/denial notices that you receive from each lender. You understand that for this process to work efficiently you may encounter additional fees for updated credit reports from your subscribed credit monitoring service. Access to current credit reporting is required throughout the entire process. With revolving lines , there is a possibility a lending institution may perform a "soft" credit pull after Client receives a line of credit from such a lending institution. Replacement Funds Policy on next page

I have read and understand the above Key Details and Instructions for personal funding. Signature Date the Client receives a line of credit from such a lending institution. Replacement Funds Policy on next page (Please see our obtained with assistance from (COLFSERVICES,LLC) be utilized within 45 days of approval. You certify that you are the applicant and all information you have provided is true and accurate. You agree to hold all representatives of (COLFSERVICES,LLC) Consulting harmless from any misrepresentation.

In the event a credit line obtained for a client is closed or limit is lowered, (COLFSERVICES,LLC) agrees to replace funds that were unused within 45 days of the lender approval date, subject to the following terms: 1. All written instructions delivered to the client by (COLFSERVICES,LLC), or its affiliates, have been followed by the client without alteration. Instructions are delivered via email.

2. No changes have been made to client's credit outside the activity placed by (COLFSERVICES,LLC) (address changes, additional inquiries, late payments, etc

3. No fraud alerts have been placed with any of the three credit bureaus. 4. Credit monitoring account must be active and accessible to (COLFSERVICES.COM)

5. Funds were not used for fraudulent charges.

6. There are no outstanding fees owed to (COLFSERVICES.COM) from the client. 7. (COLFSERVICES,LLC) has 45 days from the date of notification to replace the unused

I have read, understand, and agree to the Replacement Funds Policy.

Credit Card Authorization Form

During the funding process, it may be required to establish a checking, savings, or credit union account with a specific lender. This gives us the opportunity to apply for credit with that lender. When an account is opened, a minimum deposit is required, which can range from $5 to $100 per lender. The purpose of this form is to have a credit card on file that we can use to make the initial deposit where an account is opened.

Please upload a picture of your CC for your file. 

Client authorizes (COLFSERVICES,LLC) and/or its affiliates, to charge the credit card, which information is provided above for the purposes of initial deposits to checking or savings accounts with potential lenders. The number of lenders requiring accounts with initial deposits shall not exceed five.

Access to All 3 Credit Bureaus at www.identityiq.com

-Color copy of Your Drive r's License (front & back) -Copy of Your Social Security Card (front & back) -Utility Bill (recent within 30 days/no cell phone bill s) -Fraud Alerts or Credit Freezes Are NOT Reporting to Any One Bureau

***Please note: Your file will NOT be started until all documents are received. If you happen to have lost certain items, please contact your sales representative for acceptable replacements.

Have you or any family members served in the US Military?

If yes, who served? (relationship to applicant only)