INDEMNITY STATEMENT

As a condition of use of this Web site, the User agrees to indemnify us and its suppliers from and against any and all liabilities, expenses (including attorneys' and experts' charges) and damages arising out of claims resulting from User's use of this Web site, including without limitation any claims alleging facts that if true would constitute a breach by User of these terms and conditions.

TERMS OF USE

Between “User” and “Lakewood Lending Group, LLC”

Please read this agreement ("Agreement") carefully before accessing or using this Web site ("Site"). By accessing or using the Site, you agree to be bound by this Agreement. Lakewood Lending Group, LLC and its suppliers provide the information and services on this Site to you, the user, conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this Site constitutes your agreement to all such terms, conditions, and notices.

The information and services offered on this Site are provided with the understanding that neither Lakewood Lending Group, LLC nor its suppliers or users are engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site.

Lakewood Lending Group, LLC and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, services, or other material on this Site. While Lakewood Lending Group, LLC and its suppliers strive to keep the information on this Site accurate, complete, and up-to-date, Lakewood Lending Group, LLC and its suppliers cannot guarantee, and will not be responsible for any damage or l Lakewood Lending Group, LLC loss related to, the accuracy, completeness, or timeliness of the information.

PERSONAL AND NONCOMMERCIAL USE LIMITATION: PROHIBITED USES

You may access, download, and print materials on this Site for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other Web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site. The foregoing prohibition expressly includes, but is not limited to, the practices of "screen scraping" or "database scraping" to obtain lists of users or other information. If and when requested by Lakewood Lending Group, LLC, you agree to provide true, accurate, and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of Lakewood Lending Group, LLC, you agree to refrain from accessing or attempting to access password protected, secure, or nonpublic areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site may be subject to prosecution.

PROPRIETARY RIGHTS

All materials on this Site (as well as the organization and layout of the Site) are owned and copyrighted or licensed by Lakewood Lending Group, LLC and its affiliates or its suppliers.  Copyright Lakewood Lending Group, LLC, 2009. All rights reserved. No reproduction, distribution, or transmission of the copyrighted materials at this Site is permitted without the written permission of Lakewood Lending Group, LLC.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this Site, you warrant to Lakewood Lending Group, LLC that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. If you violate any of these terms, your permission to use the Site automatically terminates.

LIABILITY DISCLAIMER

You use this Site at your own risk. If your use of this Site or the materials therein results in the need for servicing or replacing property, material, equipment, or data, neither Lakewood Lending Group, LLC nor its affiliates are responsible for those costs.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. LAKEWOOD LENDING GROUP, LLC, ITS AFFILIATES, AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS, OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL LAKEWOOD LENDING GROUP, LLC, ITS AFFILIATES, AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF LAKEWOO LENDING GROUP, LLC, ITS AFFILIATES, OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Lakewood Lending Group, LLC, its affiliates, and suppliers from any liability, loss, claim, and expense (including attorneys' reasonable fees) related to your violation of this Agreement.

LINKS TO THIRD PARTY SITES

Outside Links — While on this Web site, you may be led to other Web sites operated by parties other than Lakewood Lending Group, LLC or its affiliates. Inclusion of hyperlinks by Lakewood Lending Group, LLC to Web sites does not imply any endorsement of the material on such Web sites or any association with their operators, and you access and use such sites, including information, material, products, and services therein, solely at your own risk. We are not responsible for the quality or results or any product or service provided by these companies. Review their products and services carefully. Furthermore, because the Lakewood Lending Group, LLC privacy policy is applicable only when you are on our Site, once linked to another Web site, you should read that site's privacy policy before disclosing any personal information. Their own privacy policies may be different than ours. We are not responsible for the use of the information that you give these third parties.

CHANGES TO AGREEMENT LAKEWOOD LENDING GROUP, LLC

Lakewood Lending Group, LLC may modify this Agreement at any time and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the Agreement periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.

HOME MORTGAGE DISCLOSURE ACT NOTICE

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; race, gender, and income of applicants and borrowers; and information about loan approvals and denials. You may inquire about our HMDA data at the following address:

Attn: Jeremiah M. Wean
Lakewood Lending Group, LLC
10218 Windward Pass

Fishers, IN 46037

1.866.566.1951

Equal Credit Opportunity Act (ECOA)

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capability to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the consumer credit protection act. If you have any questions regarding your rights, or if you wish to file a complaint, please contact the management of this financial institution or:

The Federal Trade Commission
Equal Credit Opportunity
Washington, DC 20580

THE FAIR HOUSING ACT

The Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988.

It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status (having one or more children), or national origin:

·                     In the sale or rental of housing residential lots.

·                     In advertising the sale or rental of housing.

·                     In the financing of housing.

·                     In the appraisal of housing.

·                     In the provision of real estate brokerage services

Blockbusting is also illegal.

Anyone who feels he or she has been discriminated against should send a complaint to:

U.S. Department of Housing and Urban Development
Assistant Secretary for Fair Housing and Equal Opportunity
Washington, DC 20410

State of California: The Housing Financial Discrimination Act of 1977 Fair Lending Notice / The Holden Act

It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

·                     Trends, characteristics, or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid unsafe and unsound practice, or

·                     Race, color, religion, sex, marital status, national origin, or ancestry. It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance.

These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one-to-four unit family residences occupied by the owner. In addition, these provisions govern financial assistance for the improvement or rehabilitation of an owner-occupied or investor-owned one-to-four unit dwelling.

If you have questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or:

Department of Corporations
320 West 4th Street, Suite 750
Los Angeles, CA 90013-1105

LICENSING

Lakewood Lending Group, LLC offers home purchase loans, mortgage refinance, and home equity loan financing and debt consolidation mortgages in Indiana.  Indiana License # 132141.  These services are not available to subject properties located in any States outside of Indiana.

MISCELLANEOUS

This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed by and construed in accordance with the laws of California without giving effect to any principles of conflicts of law. Failure by Lakewood Lending Group, LLC or its affiliates to insist upon strict enforcement of any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. Any legal action or proceeding between Lakewood Lending Group, LLC and/or its affiliates and you related to this Agreement shall be brought exclusively in federal district court.

GENERAL

We reserve the right to make any and all changes to this Web site at its sole discretion without notice to the User.

This Agreement includes ail other notices, policies, disclaimers, and other terms contained in this Web site; provided, however, that in the event of a conflict between such other terms and the terms of this Agreement, this Agreement controls.

This Agreement is governed by the laws of our State. User consents to the exclusive jurisdiction and venue of the governing courts in all disputes arising out of or relating to the use of this Web site. Use of this Web site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

Our performance of this Agreement is subject to existing laws and legal process and nothing contained in this Agreement is in derogation of our right to comply with law enforcement requests or requirements relating to the User's use of this Web site or information provided to or gathered from us with respect to such use.

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, the invalid or unenforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.

This Agreement constitutes the entire Agreement between the User and our company with respect to this Web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the User and our company with respect to this Web site. A printed version of this Agreement and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to the Agreement to the same extent and subject to the same conditions as other business documents, and records originally generated and maintained in printed form.

Any rights not expressly granted herein are reserved.