STATE LICENSES:

Golden Shores Financial Services, Inc. ("GSFONLINE") conducts business in all jurisdictions of the United States and Mexico except Guam, Puerto Rico and the Virgin Islands. Loan programs may be limited. Some loan products may not be available in all states.

GSFONLINE currently operates in California and is licensed by the California Department of Real Estate.

Unless you apply for a loan through this Web site and enter into an interest rate lock, the information on this Web site is not an offer to enter into an interest rate lock-in agreement under Minnesota or other applicable law.

The address of Golden Shores Financial Services, Inc. is: 2522 N. Santiago Blvd. Orange, CA 92867.

This Web site is offered to you, the "User" conditioned on your acceptance without modification, of the terms and conditions contained herein. Your use of this Web site constitutes your agreement to all such terms and conditions.

AUTHORIZATION

All of the information I have provided in any inquiry or application form provided to GSFONLINE through this Web site is true and complete. I authorize GSFONLINE to obtain information regarding my credit, employment history, income, and assets. In addition, I authorize GSFONLINE to obtain my credit report and information concerning any property that may secure my loan. I understand GSFONLINE may keep all information that I provide through this Web site or that is otherwise obtained by GSF in connection with my inquiry or application.

GUARANTEED LOWEST RATES

GSFONLINE guarantees you the lowest cost loan available on the day you lock in based on the Annual Percentage Rate (APR) method.

Or GSFONLINE Will: At no cost to you transfer your loan package, including appraisals, to your lender of choice.

WEB SITE LINKS

This Web site may contain links to other Web site maintained by other parties. Such links are provided for your convenience only. Our inclusion of any link does not imply an endorsement of the site, any services or products offered thereon, or its sponsoring organization.

DISCLOSURES

GSFONLINE is a division of Golden Shores Financial Services, Inc. In originating loans through this Web site, GSF acts as the exclusive agent of Golden Shores Financial Services, Inc. This Web site and the services provided by GSFONLINE are available only in connection with (a) mortgage loans made on residential real property located in the 50 states of the United States and Mexico. GSFONLINE expressly reserves the right to discontinue, suspend or terminate the offering of any loan product through this Web site in any jurisdiction, subject to applicable law. Unless expressly stated to the contrary, nothing contained herein shall constitute an offer or promise for a loan commitment of interest rate lock-in agreement.

CALCULATORS

GSFONLINE has provided calculators to assist you with your home loan decision. These calculators are provided for estimating purposes only and do not guarantee the actual figure(s) that will apply to your specific loan.

SECURITY

GSFONLINE uses sophisticated technology to protect your data and the transmissions between you and GSFONLINE. Transmission between browsers and our web server is implemented using secure sockets layer (SSL) technology. This technology is provided by Verisign and can be verified from the Online Application page. A SSL capable browser such as MS Internet Explorer 3.0 (or later) or Netscape Navigator 2.0 (or later). Although GSFONLINE has taken these reasonable and appropriate measures to ensure that your personal information is transmitted securely. GSFONLINE cannot and does not guarantee that the personal information you provide will not be intercepted by others and decrypted.

LIMITATIONS/DISCLAIMERS

While GSF ONLINE makes every effort to ensure that the information contained on this Web site is accurate and reliable, sometimes errors occur. In addition, GSFONLINE make changes and improvements to the information provided herein at any time.

This Web site and the information, software, products and services associated with it are provided "AS IS." GSFONLINE and/or its suppliers disclaim any warranty of any kind, whether express or implied, as to any matter whatsoever relating this Web site and any information, software, products and services provided herein, including without limitation the implied warranties of fitness for a particular purpose, title, and non-infrigment. Use of the Web site is at your own risk. GSF ONLINE and/or its suppliers are not liable for any direct, indirect, punitive, incidental, special or consequential damages or other injury arising out of or in any way connected with the use of this Web site or with the delay or inability to use this Web site, or for any information. Software, products and services obtained through this Web site, whether resulting in whole or in part, from breach of contract, tortious behavior, negligence, strict liability or otherwise, even if GSFONLINE and/or its suppliers have been advised of the possibility of damages. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you.

INDEMNITY

As a condition of use of this Web site, you agree to indemnify GSFONLINE and its suppliers from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this Web site, provided that such claims allege facts that, if true, would constitute breach by you of this agreement.

GENERAL

This agreement shall be subject to and construed in accordance with the laws of the State of California, excluding its conflict of law principles. You hereby consent to the exclusive jurisdiction and venue of the courts in Orange County, California, USA, 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 which limits the effectiveness of any provision of these terms of use, including without limitation this paragraph. This agreement constitutes the entire agreement between you and GSFONLINE with respect to the use of this Web site and supersedes all prior or contemporaneous communications, whether oral, written or electronic, between you and GSFONLINE with respect to this Web site and the products and services associated with it. 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, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable remainder of the agreement shall continue in effect. A printed version of this and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon 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 are reserved. Once application is in process and appraisal is ordered, customer is responsible for all costs incurred in generating loan not to exceed Five hundred dollars.

PRIVACY POLICY

GSFONLINE.COM - Our commitment to Your Funding Privacy We understand that it is important to you to know that the information you provide us will be secure. GSFONLINE uses sophisticated technology to help ensure that the information you transmit online remains confidential and secure. Here are some of the security measures we have integrated into GSFONLINE to protect against the loss, misuse and alteration of the information you provide us:

• Your personal financial information is used solely by us for purposes of processing your loan and is not distributed to nonaffiliated companies.
• All personal information that you input online, including your credit card number, is encrypted by the Secure Sockets Layer (SSL) system that establishes a secure connection between you and GSFONLINE. Our Secure Socket Layer has been authenticated and activated by VeriSign for the strongest encryption that is commercially available. This technology requires a SSL-capable browser such as MS Internet Explorer 3.0 (or later) or Netscape Navigator 2.0 (or later).
• Transmissions between GSFONLINE and you are encrypted using public key cryptography algorithms with a minimum key size of 128 bits.
• To process your loan inquiry, GSFONLINE will obtain a credit report only after you have specifically given us authorization to do so. The information contained in the credit report is used solely for the purpose of analyzing your credit history and verifying the debt information you provide to us.
• The information you provide us is stored on GSFONLINEs' premises that are located in a secure facility with restricted access.

Questions regarding this statement should be directed tot he GSFONLINE at Info@GSFONLINE.com.