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Service Agreement

Welcome to the TransUnion Interactive web site, membership.tui.transunion.com, (the "Site"). This Service Agreement

("Agreement") contains the terms and conditions upon which you ("you," or the "member") may access and use MortgEdge, TransUnion Credit Monitoring, calculators, simulators or any products through the Site (the "Products"). You understand that certain MortgEdge services will be provided by the iQualTM Corporation and its service provider(s)

(collectively, "iQual"). You agree to be legally bound by these terms. THIS AGREEMENT CONTAINS AN ARBITRATION CLAUSE AND A CLASS ACTION WAIVER. YOU, TUI AND IQUAL UNDERSTAND AND AGREE THAT ANY DISPUTES BETWEEN YOU AND TUI, OR YOU AND IQUAL, WILL BE RESOLVED THROUGH BINDING ARBITRATION. YOUR ORDER OF, ACCEPTANCE OF, USE OF, AND/OR ACCESS TO, THE PRODUCTS, RELATED WEBSITES AND CONTENT CONSTITUTE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS SET FORTH HEREIN, INCLUDING THE ARBITRATION PROVISION. YOU MUST ACCEPT THE TERMS OF THIS AGREEMENT BEFORE YOU WILL BE PERMITTED TO REGISTER FOR AND PURCHASE THE PRODUCTS.

TransUnion Interactive, Inc. ("TUI") is not a credit repair organization, or similarly regulated organization under other applicable law, and does not provide credit repair advice. We do not claim that we are able to "clean up" or "improve" your credit record, credit history or credit rating. TransUnion credit monitoring monitors only the credit file associated with the purchasing consumer, and does not monitor, compare or cross-references the credit file associated with the purchasing consumer to any other credit file(s) maintained by the applicable credit bureau(s).

IN ORDER TO DELIVER THE PRODUCTS TO YOU, WE MUST OBTAIN YOUR CONSUMER CREDIT FILE AND OTHER INFORMATION. YOU HEREBY AUTHORIZE TRANSUNION INTERACTIVE TO ACCESS YOUR CREDIT FILES FROM EACH NATIONAL CREDIT REPORTING AGENCY AND TO EXCHANGE CERTAIN INFORMATION ABOUT YOU WITH EACH SUCH NATIONAL CREDIT REPORTING AGENCY IN ORDER TO VERIFY YOUR IDENTITY AND PROVIDE PRODUCTS TO YOU. MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM CERTAIN GOVERNMENT AGENCIES. IN ADDITION, CREDIT REPORTING AGENCIES ARE REQUIRED BY APPLICABLE FEDERAL AND STATE LAW TO FURNISH YOU A COPY OF YOUR CREDIT REPORT UPON REQUEST, IN SOME INSTANCES AT NO CHARGE, OR FOR A NOMINAL FEE, SEE "FAIR CREDIT REPORTING ACT" BELOW.

Special Services

FOR CUSTOMERS WITH A GIFT CERTIFICATE CODE, OBTAINED THROUGH A THIRD-PARTY PROVIDER: YOUR GIFT CERTIFICATE ENTITLES YOU TO RECEIVE FREE PRODUCT(S) PURSUANT TO THE TERMS OUTLINED BY YOUR PROVIDER. THERE WILL BE NO CHARGE MADE TO YOU FOR THESE SERVICES, THE SERVICES WILL NOT BE RENEWED AT THE END OF THE SERVICE PERIOD AND YOUR CREDIT CARD WILL NOT BE CHARGED. IF YOU DESIRE SERVICES FROM TRANSUNION INTERACTIVE AFTER THE END OF THE SERVICE PERIOD PROVIDED BY YOUR FINANCIAL INSTITUTION THROUGH THE GIFT CERTIFICATE, IT WILL BE NECESSARY TO ORDER THE PRODUCT(S) AVAILABLE AT THE THEN MARKET RATE.

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Free Trial

The terms of any free trial are specific only to the product subject to the free trial. TransUnion Interactive will verify your billing information before processing your order. An authorization will be requested from your billing account to make sure it is valid and in good standing. TransUnion Interactive will not bill your account until the relevant free trial period is completed and you have not cancelled your subscription during such trial period as provided below. If you upgrade to a new monitoring subscription during a free trial, you will lose all benefits to the trial and will be billed immediately for the upgraded service. You may cancel your subscription at any time during the trial period without charge. If you wish to continue your subscription, do nothing and your subscription will automatically continue without interruption. The monthly fee (plus sales tax, if applicable) will be charged at the conclusion of the trial period to the credit card or bank account you designated as your preference or, if you have not designated a preference, the account that was most recently used on the Site and your subscription will continue automatically, billable monthly at the prevailing rate. To cancel your subscriptions please contact our Customer Service Team. For contact information and hours of service go to https://membership.tui.transunion.com/tucm/support.page. When you become a member entitled to Credit Monitoring, you understand that it is a membership that automatically renews itself every month indefinitely without action by the member on the anniversary day of your initial purchase. The monthly membership fee will be billed to the credit, debit or bank account that you designated as your preference, or if you have not designated a preference, to the account most recently used on the Site. Should the billing fail to authorize, you will be notified via email immediately. The benefits of your membership (including, without limitation, online credit reports and daily monitoring alerts) will be suspended until payment is received provided payment is received within 25 days. If payment is not received within 25 days, your membership will be cancelled. An enrollee whose membership fee has been paid is entitled to all privileges included in the membership until the membership is canceled by the enrolled member or otherwise terminated as described later in this document. Upon cancellation, the member loses access to the areas of the Site designated for members only and loses access to the member's data and other benefits. This could include any credit data and analyses that have been displayed during the membership. A member may cancel at any time. Should you decide to cancel your subscription a Customer Service representative can arrange for all future renewal fees to be canceled. However, please note that neither full nor pro-rated refunds will be given for the current month. Any free trial is available one time only per customer. Once any free trial has been canceled all subsequent orders will be billable at the prevailing monthly subscription rate.

Membership

Credit reports, credit scores and debt analysis will be available for a period of up to one year or until you update your report, otherwise, products will be provided for the period stated in the product description. Enrollment in a monitoring program will usually occur within 24 hours but may be delayed. If TransUnion Interactive is unable to confirm enrollment for any reason, notification will be made by TransUnion Interactive to the email address we have on record for you at the time of the notice.

Memberships, such as monitoring products, automatically renew indefinitely without action by the member, and the membership fee is charged to the member at the time of renewal. An enrollee whose membership fee has been paid is entitled to all privileges included in the membership until the membership is cancelled by the enrolled member or otherwise terminated as described later in this document. Consent to obtain credit data to fulfill the benefits of subscription products shall be valid under the program until cancelled. Upon cancellation, the member loses access to the areas of the Site designated for members only and loses access to member's data and other benefits, including, any discounted 3-Bureau Credit Report and Scores separately purchased during the subscription. This could include any credit data and analyses that have been displayed during the membership. A member may cancel at any time. To cancel your membership please contact our Customer Service Team. For contact information and hours of service go to https://membership.tui.transunion.com/tucm/support.page. 4/27/2017

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When you become a member entitled to TransUnion Credit Monitoring Basic or TransUnion Credit Monitoring, you understand that it is a membership that automatically renews itself indefinitely. TransUnion Interactive will charge the membership fee (plus sales tax, if applicable) to the credit card or bank account you designated as your preference or, if you have not designated a preference, the account that was most recently used on the Site and your membership will continue automatically, billable monthly at the prevailing rate. Should your billing account fail to authorize, you will be notified via email immediately. The benefits of your membership (including, without limitation, online credit reports and credit monitoring alerts) will be suspended until payment is received provided payment is received within 25 days. If payment is not received within 25 days, your membership will be cancelled. Important Credit Monitoring Information

Credit Monitoring (including TransUnion Credit Monitoring Basic, TransUnion Credit Monitoring, and other credit monitoring products offered on or through this site) is provided by TransUnion Interactive, Inc. Credit Monitoring monitors one or more of your credit files, depending upon the type of Credit Monitoring you purchase, which are separately owned and/or maintained by each of the applicable credit bureaus: TransUnion LLC, Experian, and Equifax. Credit Monitoring monitors the credit file most closely identified with you based on multiple identifying factors such as first, middle and last names, current and former addresses, Social Security number and date of birth. Credit Monitoring may not advise or alert you if an item of identifying information about you (including your name or address or Social Security number) is contained in the applicable credit bureau's credit file of another person, and will not provide you with any information contained in another individual's credit file. Credit Monitoring does not monitor, compare or cross- reference your credit file (s) with the credit files(s) of any other person. Please remember that there are different processing times for the commencement of monitoring at each credit reporting bureau, therefore you may not be enrolled in all of them at the same time. Monitoring with TransUnion LLC usually begins within 48 hours of enrollment. Monitoring with Equifax and Experian takes on average approximately 4 days to begin, though in some cases monitoring cannot be initiated during the trial period, (if a trial period applies). TransUnion Interactive does not control and is not responsible for the enrollment process. When you order a single bureau credit monitoring product from TransUnion Interactive, TransUnion requests that TransUnion LLC enroll you in its credit monitoring service. When you order a credit monitoring product from TransUnion Interactive that monitors credit files at three credit bureaus, TransUnion Interactive requests that each individual credit bureau enrolls you in their respective credit monitoring service. The TransUnion single bureau credit monitoring product is conditioned upon successful enrollment by TransUnion LLC in its credit monitoring service; if TransUnion LLC is not able to enroll you, your order will be cancelled and you will not be charged or you will not receive alerts or monitoring of changes to your TransUnion credit file. Your order of any three bureau credit monitoring product is conditioned upon successful enrollment by at least one credit bureau in its credit monitoring product. If no credit bureau is able to enroll you in its credit monitoring program, your order will be cancelled, and you will not receive alerts or monitoring of changes to any of your credit files. In the event that one or two credit bureaus, but not all three bureaus, are able to enroll you in their credit monitoring, credit monitoring will be provided by the bureau or bureaus that were able to enroll you; you will not receive alerts or monitoring of changes to the credit files of the bureau or bureaus that were not able to enroll you in their respective credit monitoring programs.

In the event you order a three-bureau credit monitoring product, by placing your order, you agree that, if fewer than all three credit bureaus enroll you in their credit monitoring; TransUnion Interactive is authorized to monitor only the credit files at the bureau or bureaus that enrolled you. Any such credit monitoring will be provided at the price agreed upon; you will not be eligible for a price reduction, discount or refund. TransUnion Interactive will notify you in the event that 4/27/2017

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fewer than all three credit bureaus enroll you in credit monitoring, but such notification may not occur during your trial period, if any.

General Terms

TransUnion Interactive maintains the Site to provide you with information about our memberships, products and services and to facilitate communication with us and our affiliates. From time to time we may revise these terms and conditions. Revisions will be effective when posted or as otherwise stated. Additional terms and conditions may apply to specifics of our memberships, products and services or to participate in our affiliate program, contests or surveys. The images, text, screens, web pages, materials, data, content and other information ("Content") used and displayed on the Site, including but not limited to TransUnion®, TransUnion Interactive®, TrueCredit®, TrueCredit® and Design, and Manage Your Credit Manage Your LifeTM are the property of TransUnion Interactive or its licensors and are protected by copyright, trademark and other laws. In addition to its rights in individual elements of the Content within the Site, TransUnion Interactive owns copyright or patent rights in the selection, coordination, arrangement and enhancement of such Content. You may copy the Content from the Site for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear on the pages copied. Except as provided in the preceding sentence, none of the Content may be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of TransUnion Interactive or the owner of the Content.

OUR SITE, INCLUDING ALL CONTENT, MEMBERSHIPS, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE, IS PROVIDED TO YOU "AS IS". TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER TRANSUNION INTERACTIVE NOR ITS AFFILIATES MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER AS TO THE CONTENT, MEMBERSHIPS, PRODUCTS OR SERVICES AVAILABLE ON OR ACCESSED THROUGH THE SITE, THAT A USER WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO OUR SITE, MEMBERSHIPS, PRODUCTS OR SERVICES OR THAT OUR SITE, MEMBERSHIPS, PRODUCTS OR SERVICES WILL BE ERROR-FREE. IN ADDITION, TRANSUNION INTERACTIVE AND ITS AFFILIATES DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND INFORMATIONAL CONTENT. THEREFORE, YOU AGREE THAT YOUR ACCESS TO AND USE OF OUR SITE, MEMBERSHIPS, PRODUCTS, SERVICES AND CONTENT ARE AT YOUR OWN RISK. BY USING OUR SITE, YOU ACKNOWLEDGE AND AGREE THAT NEITHER TRANSUNION INTERACTIVE NOR ITS AFFILIATES HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF OUR SITE, CONTENT, MEMBERSHIPS, PRODUCTS OR SERVICES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY INFECT YOUR COMPUTER EQUIPMENT.

TransUnion Interactive is not responsible for any overdraft/over-the-limit charges or bank fees triggered by your order being processed or billed. We suggest using a credit card rather than a debit card. Refunds will not be issued if we have successfully located and delivered your order to you. Fraud Resolution Services

If you are a credit monitoring member, TransUnion Interactive will provide you with certain fraud resolution services outlined below (the "Fraud Resolution Services") during the period that you are a member. TransUnion Interactive and 4/27/2017

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its third party service providers are obligated only to provide services in the United States to members domiciled in the United States. The Fraud Resolution Services are provided by Trans Union, LLC, the parent of TransUnion Interactive, under an agreement with TransUnion Interactive.

In no event shall TransUnion Interactive or Trans Union, LLC be liable for consequential damages, for any delay in Fraud Resolution Services, or for loss of use of funds during the period that your service request is being processed. TransUnion Interactive and TransUnion, LLC shall not be obligated to provide Fraud Resolution Services, nor shall it be liable, if you have not provided complete, accurate and current information relating to your service request. TransUnion Interactive and Trans Union, LLC are not obligated or responsible for providing Fraud Resolution Services for any service request based on (a) an act of fraud, deceit, collusion, dishonesty or criminal act by you or any person acting in concert with you, or by any authorized representative of you, whether acting alone or in collusion with you or others, (b) authorized charges that you have disputed based on the quality of goods or services, (c) authorized account transactions or trades that you have disputed, or are disputing, based on the execution (or non-execution) of electronic transfers, trades or other verbal or written instructions or directions, (d) losses, damages or expenses arising out of any business pursuits, (e) any losses, damages or expenses that were incurred or commenced prior to your credit monitoring membership commencement, and (f) theft or damages of traveler's checks, tickets of any kind, negotiable instruments, cash or its equivalent, circulating currency, passports, documents, real property, animals, living plants or consumable items, motorized vehicles of any type, watercraft, aircraft, and items intended for storage, transport, display or habitation.

TRANSUNION INTERACTIVE AND TRANSUNION EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THIS AGREEMENT OR FRAUD RESOLUTION SERVICES HEREUNDER. TRANSUNION INTERACTIVE AND TRANSUNION DISCLAIM ALL IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, AND FITNESS FOR A PARTICULAR PURPOSE. TRANSUNION INTERACTIVE AND TRANSUNION DO NOT WARRANT THAT ANY FRAUD RESOLUTION SERVICES PROVIDED PURSUANT TO THIS AGREEMENT ARE NON-INFRINGING, THAT THEY WILL MEET YOUR REQUIREMENTS OR THAT THEIR OPERATION WILL BE UNINTERRUPTED OR ERROR FREE. TRANSUNION INTERACTIVE AND TRANSUNION'S LIABILITY IS LIMITED TO THE SERVICES EXPLICITLY SET FORTH IN THIS AGREEMENT. IN NO EVENT SHALL TRANSUNION INTERACTIVE OR TRANSUNION BE LIABLE FOR ANY DAMAGES OF ANY KIND INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, (WHICH SHALL INCLUDE WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR OTHER PECUNIARY LOSS). IN NO EVENT SHALL TRANSUNION INTERACTIVE OR TRANSUNION BE LIABLE FOR ANY LOSS ARISING OUT OF TRANSUNION INTERACTIVE OR TRANSUNION'S PERFORMANCE OR NON-PERFORMANCE OF ITS SERVICE. IN NO EVENT SHALL TRANSUNION BE LIABLE FOR ANY DELAY IN PROVIDING SERVICES, OR DAMAGES RESULTING FROM ANY DELAY IN SERVICES. IN NO EVENT SHALL TRANSUNION INTERACTIVE OR TRANSUNION HAVE ANY ADDITIONAL LIABILITY TO YOU EXCEPT AS STATED HEREIN. IN NO EVENT SHALL THE LIABILITY OF TRANSUNION INTERACTIVE AND TRANSUNION EXCEED THE FEES YOU PAID FOR THE FRAUD RESOLUTION SERVICES IN THE PRECEDING TWELVE MONTHS.

Identity Theft Insurance

Credit Lock

In the event you purchase a product that includes Credit Lock, you acknowledge that some of the features of Credit Lock may be available to you under the laws of certain states. In the event you cancel any subscription that includes Credit Lock as a benefit you will cease receiving Credit Lock upon cancellation. 4/27/2017

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You acknowledge that Credit Lock will only prevent delivery of your TransUnion credit report. It will not apply to your Equifax or Experian credit report. Remember that while a credit lock prevents most third party access to your credit report, a third party may access a locked report in certain instances that are considered a low risk for identity theft, such as official government investigations, collection activities and insurance underwriting and claims administration. TransUnion Mobile

TransUnion Mobile. The Products may offer features and services that are available to you, and delivered by us, through your mobile phone. These features may include, without limitation, the ability to upload Product content to your mobile phone, receive Product messages on your mobile phone, download applications to your mobile phone or access the Product's features on your mobile phone (collectively, "TransUnion Mobile"). Standard messaging, data and other fees may be charged by your carrier to utilize TransUnion Mobile. Fees and charges will appear on your mobile bill or be deducted from your pre-paid balance. Your carrier may prohibit or restrict certain features of TransUnion Mobile and certain features may be incompatible with your carrier or mobile device. Contact your carrier with questions regarding these issues.

Terms of TransUnion Mobile. You hereby agree that TransUnion Mobile may send communications to your mobile device. You also agree that, we may collect information related to your use of TransUnion. If you have registered for TransUnion Mobile, you agree to notify TransUnion of any changes to your mobile number and update your account to reflect any such change.

Registration and Accurate Information

If you decide to register on our Site, become a member of one of our membership programs, purchase our products or services or participate in our affiliate program, contests or surveys, you may be required to register, provide personal information, and select a user name and password. You agree to provide accurate information in your registration and not to share your password with third parties. You agree not to impersonate another person or to select or use a user name or password of another person. You agree to notify TransUnion Interactive promptly of any unauthorized use of your account and of any loss, theft or disclosure of your password. Failure to comply with these requirements shall constitute a breach of these terms and conditions and shall constitute grounds for immediate termination of your TransUnion Interactive account and your right to use the Site. Online access to consumer credit report information is subject to verification of the identity of the user. MortgEdgeTM

The MortgEdge service ("MortgEdge") is partially provided by iQual. The MortgEdge service provides education about mortgages and self-management methods for preparing to apply for a mortgage home loan, including a 20-minute telephone session with a MortgEdge Specialist (a "MortgEdge Specialist Session"). We shall make the MortgEdge Specialist Session available to you on a one-time basis. To participate in a MortgEdge Specialist Session, you must make an appointment. You may create, change or cancel an appointment online from the member website or by calling iQual at 877-***-****. Members who sign up for MortgEdge will receive certain email, telephone and optional text communications from iQual that are directly tied to their enrollment in MortgEdge and their participation in the MortgEdge Specialist Session. Prior to your MortgEdge Specialist Session, you may access an optional presentation from the member website that you can view during your call. iQual and TUI are not responsible for your ability to view or access the presentation. If you do not have access to the presentation when your MortgEdge Specialist calls for you appointment you agree to forgo its use.

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The MortgEdge Specialist will call you within +/- 15 minutes of your appointment time. Your MortgEdge Specialist Session call may last up to a maximum of 20 minutes. The MortgEdge Specialist will attempt to include as much information as possible during that time. You may elect to spend more time during your call on a specific related topic. If you make this choice, you may not receive all the information that is normally presented during the MortgEdge Specialist Session.

You understand and agree that you shall be billed Fees (plus sales tax, if applicable) by TUI (or its assignee) for the Product(s) rendered, without regard to any specific result or outcome. TUI will charge your credit card or bank account when you sign up for the Product(s).

By signing up for MortgEdge, you acknowledge and agree that TUI may (i) charge the account you provided for the applicable fees (the "Fees"), and (ii) verify your account information. You understand and agree that all Fees are nonrefundable. You acknowledge and agree that iQual may assign or transfer its rights and obligations under this Agreement to any vendor that is authorized by iQual and TUI to provide the MortgEdge Specialist Session. You expressly consent to any such assignment or transfer and acknowledge and agree that any such assignment or transfer shall not entitle you to any changes in terms or refunds of Fees. You acknowledge and agree that you will provide accurate information to iQual and TUI, and that iQual may be unable to offer the MortgEdge Specialist Session to you if the information you provide to TUI and iQual online or during your MortgEdge Specialist Session is inaccurate. You acknowledge that this Agreement was entered into electronically over the internet and you agree that TUI and iQual may accept your electronic acceptance of the terms, and that an electronic or facsimile transmission of this fully executed Agreement shall constitute an original and legally binding document. You acknowledge and agree that neither iQual nor TUI are offering credit or providing credit repair services to you, and that MortgEdge, the MortgEdge Specialist Session and the Products are not lending or credit repair programs. For the MortgEdge service, iQual is not a credit repair organization, or similarly regulated organization under other applicable law, and does not provide credit repair advice. iQual does not claim that it is able to "clean up" or "improve" your credit record, credit history or credit rating. iQual is not a "debt adjuster" and does not offer debt adjustment services. iQual and the MortgEdge Specialists session are not, however, mortgage lenders or brokers and do not take applications or make or refer mortgage loans or loans of any kind. iQual and TUI make no guaranties, promises, representations or warranties whatsoever as to any specific outcome or results for Members, including without limitation, qualification for loan approval. MortgEdge and the MortgEdge Specialist Session are not designed to achieve any modification of your credit report or improvement to your credit score. You acknowledge and agree that neither your enrollment in MortgEdge nor your participation in the MortgEdge Specialist Session ensure or guarantee that your loan qualification capabilities will be improved or that you will qualify for any mortgage or extension of credit iQual may use your personal information to the extent necessary to provide the MortgEdge Specialist Session, including, without limitation, recording any phone conversations. By signing up for MortgEdge, you acknowledge receipt of the TransUnion Privacy Policy and agree to its terms and conditions, which iQual has adopted to provide MortgEdge and the MortgEdge Specialist Session to you. iQual's name and principal business address are as follows: iQual Corporation 9445 Fairway View Place - Suite 210 Rancho Cucamonga, CA 91730 Phone: 877-***-**** iQual's Agent for Service of Process in Illinois is set forth below: National Registered Agents, Inc. 818 West Seventh Street Suite 930 Los Angeles, CA 90017 (Los Angeles County) Copy to: iQual Corporation, 9445 Fairway View Place - Suite 210, Rancho Cucamonga, CA 91730 Calculators

As part of your subscription and/or membership, you may be provided with access to certain calculators, which may provide you with information to calculate, for instance: the income you may have or need for retirement; the amount you 4/27/2017

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may accrue in interest on a credit card; the amount that you may have to pay back in the event that you take out a student loan or a personal loan (collectively, the "Calculators"). THESE CALCULATIONS ARE ONLY ESTIMATES AND ARE FOR EDUCATIONAL USE ONLY. THE CALCULATORS ARE PROVIDED TO YOU AS A COURTESY TO MONITOR YOUR CREDIT HEALTH AND TO MAKE INFORMED CREDIT DECISIONS ON YOUR OWN BEHALF. TRANSUNION AND ITS SUSBIDIARIES AND AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE CALCULATORS, NOR DO TRANSUNION AND ITS SUBSIDIARIES AND AFFILIATES MAKE ANY GUARANTIES WITH REGARD TO THE CALCULATORS OR AN INDIVIDUALS USE OF THE CALCULATORS. THE CALCULATORS ARE NOT AN OFFER OF CREDIT.

No personal information or data is recorded or stored in the Calculators. The information that you enter into the calculators does not impact your credit score(s).

Our Privacy Policy

By using our Site, becoming a member of one of our membership programs, or purchasing any of our products or services, you agree that we may use and share your personal information in accordance with the terms of our Privacy Statement. In the event you indicate that you want to receive offers from TransUnion Interactive, your information may be used to serve relevant ads to you when you visit the site. Our privacy statement can be reached from the link at the top of this page.

Fair Credit Reporting