Forclosure Listing Service, Inc. (dba FLS). © 1998 Forclosure Listing Service, Inc. all rights reserved. FLS has obtained the information contained herein from sources which it believes to be reliable. FLS makes no representation, warranty or guarantee, express or implied, as to the accuracy or reliability of the information contained herein. DISCLAIMER & SUBSCRIBER AGREEMENT "Persons or entities listed as alleged current or original mortgagors, alleged property addresses, legal descriptions and mortgage information are based upon information furnished by taxing authorities, public records and private vendors based on public records. The information contained herein was obtained from sources believed to be reliable; however, Foreclosure Listing Service, Inc. makes no guarantees, warranties, or representations as to the accuracy thereof. The information within this publication is for the sole and exclusive use of the registered subscriber. A name or a property appearing on this list is not intended to reflect upon that person's or entity's credit worthiness. If the person or property is properly listed, there are valid reasons for foreclosure other than nonpayment of a note. The persons or entities listed as mortgagors may not have personal liability or responsibility for payment of a note. You should obtain a policy of title insurance before purchasing any property listed herein. You should consult your attorney before contacting any person or entity or contracting for any property listed herein." ------------------ Assessed values, year of construction and square footage of the building are taken from public records which are deemed reliable but are not absolutely accurate. Assessed or tax values found on the Tax Roll of a given jurisdiction are not necessarily the actual values, but only the means of assessing taxes. The values shown within this publication can be up to two years old. Square footage of a house generally is the living area, but from county to county could vary. Do not buy any property listed within this publication based solely on the contents of same. Always match the street address shown in this publication with the actual legal description as shown in the deed of trust. Always consult an attorney as well as conduct a thorough investigation as to values, size of property, age of property and encumbrances to the property. ------------------ Methodology for generating "Unpaid Balance": "Unpaid Balance" is generated for residential homes only. 1. If FLS is aware of the amount, date and interest rate of the original mortgage, then we calculate the "unpaid balance" utilizing a computerized amortization schedule. 2. If FLS is aware of the amount and date of the original loan, but the interest rate has not been reported, then FLS estimates the interest rate based on the average interest rate of homes posted within the last ten (10) years in which the loan origination date was the same month and year as that of the subject. If FLS has estimated the interest rate, an asterisk will be shown next to the unpaid balance. 3. If either the amount or date of the original loan is not reported, then the unpaid balance is not calculated. 4. It is assumed that the mortgagor has not paid on the note for six months. This is only an assumption used for the purpose of calculating the unpaid balance, not a fact. 5. The unpaid balance is representative of the estimated note balance only. It does not include unpaid taxes, attorneys fees, etc. Subscriber Agreement 1. Licensee may create printouts of data for internal use only. Licensee may not copy, download, store, publish, transmit, transfer, sell or otherwise use Foreclosure Listing Service, Inc (or FLS) data, or any portion of such data, in any form or by any means except (a) as expressly permitted by this agreement, (b) with FLS prior written permission, or (c) if not expressly prohibited by this agreement as allowed under the fair use provision of the Copyright Act (17 USC Sec. 107). Downloaded data may not be stored or used in an archival database or other searchable database except as expressly permitted by this agreement. Licensee shall not sell, license or distribute data in any form to third parties or use data as a component or as a basis for any material offered for sale, license or distribution. Use of data to create mailing or marketing lists for commercial purpose or for distribution to third parties is strictly prohibited. Licensee must keep strictly confidential the pass identification number issued to it by FLS. Licensee's pass identification number must remain within its sole possession and control at all times and may not be communicated in any manner or form to any party not authorized by FLS to have access to and use such pass identification number. Except for the license granted by this agreement, all right, title and interest in FLS data, in all languages, formats and media throughout the world, including all copyrights, are and will continue to be the exclusive property of Foreclosure Listing Service, Inc. 2. DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY. FLS data is provided "as is", without warranty of any kind, express or implied, including, but not limited to, the warranties of performance, merchantability and fitness for a particular purpose. FLS and contributors of data shall have no liability whatsoever to licensee for any claim(s) relating in any way to this agreement or their performance hereunder, regardless of the form of action, whether based in contract or negligence. In no event shall FLS or contributors of data be liable to licensee for any claim(s) relating to licensee's inability or failure to perform research or related work or to perform such research or other work properly or completely even if assisted by nor shall or contributors of data be liable for any lost profits or other consequential, exemplary, incidental, indirect or special damages, even if advised of the possibility of such damages. 3. RESPONSIBILITY FOR CERTAIN MATTERS-Subscriber shall be responsible for all access to and use of FLS data by subscriber personnel or by means of subscriber equipment or the FLS pass identification number (for subscribers), whether or not Licensee has knowledge of or authorizes such access and use. 4. RESERVATION OF RIGHTS-FLS reserves the right to modify the terms and conditions of this Agreement from time to time including, but not limited to, the right to impose access and usage limitations. Such modifications shall be effective immediately upon written notice to Account Subscriber. 5. EFFECT OF AGREEMENT-This Agreement embodies the entire agreement between the parties with respect to the subject matter hereof and supersedes any and all prior understandings and agreements, oral or written, relating thereto. FLS, may amend the terms and conditions of this Agreement by giving licensee written notice thereof. Any other amendment hereto must be in writing and signed by both parties. 6. NOTICES-All notices hereunder shall be given in writing to Foreclosure Listing Service, Inc P O Box 1007 Addison, Tx 75001. Attn George Roddy Jr. 7. GOVERNING LAW-This Agreement shall be governed by and construed under the laws of the State of Texas. By completing the form on the order page, I agree to the regulations and terms of the above stated agreement. FORECLOSURE LISTING SERVICE, INC.