DebtMarket connects Buyers and Sellers of loan portfolios.

DebtMarket, Inc Terms of Use

PLEASE READ THESE IMPORTANT LEGAL NOTICES AND DISCLOSURES

Updated March 10,2010

Updates to Terms of Use on March 10, 2010

A record of all changes to the Terms of Use and the date of the changes will be recorded at the end of this document for future reference.

Debtmarket.com is owned and operated by DebtMarket, Inc. None of the information displayed represents a public offer to buy or sell any securities. DebtMarket, Inc. enables its registered and approved members, who are sophisticated buyers and sellers of whole loans and/or retail installment contracts, to view information on loan portfolios containing either whole loans and/or retail installment contracts. DebtMarket, Inc. provides a forum and transactional management service for the interaction of buyers and sellers, who have met the qualifications of the DebtMarket, Inc’s approval criteria.

DebtMarket, Inc. provides sample legal forms online to give buyers and sellers a guide for their interaction. DebtMarket, Inc. does not (i) advise its users on the merits of a particular transaction, (ii) assist in the negotiation, transaction or financial dealings between buyers and sellers, (iii) provide legal or transactional advisory services to its members, or (iv) participate or invest in any way or allow its employees to invest in or participate in any way in buy-sell transactions between its members. No transaction is processed or cleared by DebtMarket, Inc.

DebtMarket, Inc. is not a registered broker-dealer or registered securities exchange. DebtMarket, Inc. is not registered as an Investment Advisor with the Securities and Exchange Commission or any state authority. The use of this site is governed by the Terms of Use and Privacy Policy. Your use of the site, or any of DebtMarket’s properties, serves as your acknowledgement and acceptance of these terms, conditions and the general disclaimer.

DebtMarket, Inc.’s Terms of Use Agreement (“Agreement”)

Date Last Revised: July, 2009

This Agreement sets forth the terms and conditions that apply to your access and use of this internet web site owned and operated by DebtMarket, Inc., a California corporation (“DM”), and located at www.Debtmarket.com. By using DM you agree to be bound by the terms and conditions of this Agreement and of DM’s Privacy Policy, as they may be amended from time to time in the future (see “Modifications” below). In this agreement, you understand that DebtMarket, Inc, DM, DebtMarket and Debtmarket.com are used interchangeably.

1. Accepting these Terms of Use

By using the website, information, tools, features and functionality located on www.Debtmarket.com or any DebtMarket, Inc. owned and operated websites (together the “Sites”), you agree to be bound by this Agreement, whether you are a “Visitor” (which means that you simply browse the Site) or you are a “Member” (which means that you have registered with DM and/or Debtmarket.com). The term “you” or “User” refers to a Visitor or a Member. If you wish to become a Member, communicate with other Members, and make use of the Service, you must first register at https://my.debtmarket.com

You may not use the Service and you may not accept this Agreement if you are not of a legal age to form a binding contract with DM. By accepting this Agreement, you represent that you have the capacity to be bound by it or if you are acting on behalf of a company or entity that you have the authority to bind such entity.

2. Privacy

For information about DM’s information and data protection practices, please read DM’s Privacy Policy. This policy explains how DM treats your personal information, and protects your privacy. The policy may be updated from time to time at our discretion. Changes will be effective upon posting to the site, or as otherwise specified upon posting.

3. Debtmarket.com Application

At DM, we provide a platform for members that will result in greatly enhanced transparency and liquidity for whole loan and retail installment contract portfolios in various asset classes. Buyers and sellers that would not otherwise have found one another will be able to transact and pricing will be set by the dynamics of the open market.

4. Information from Third Parties

DM may work with one or more third parties to provide certain online information in connection with the Service. Unless otherwise indicated, DM does not endorse or guarantee any such third-party information for any purpose, including but not limited to accuracy, legality or non-infringement. DM is not responsible for the products and services offered by third parties, or on third-party sites.

For example, we offer our members the option of funding portfolio purchase transactions through Wells Fargo® escrow services. If you choose this service, you understand that in order to open the escrow, the Company will disclose confidential Member information to Wells Fargo® and you agree that we may share such information including without limitation Member telephone numbers, copies of regulatory licenses or similar documentation as necessary to open escrow. We expressly disclaim any warranties with respect to any delays or errors in the transmission or delivery of any information, materials, or services through Wells Fargo® escrow services or any other third party involved in the funding process (such as a third party courier service or a bank) and you agree that we are not responsible or liable for any such delays or errors. Currently, both parties must use Wells Fargo® escrow service and both parties must be approved by Wells Fargo®. However, we reserve the right to offer the buyer and seller different escrow servicing options or direct wiring as long as those options are approved by both the buyer and seller or seller and bidder of a specific transaction.

5. Third Party Links and Services

Some parts of the platform may be supported by sponsored third party links and displayed offers that may be custom matched to you based on information stored in the Service, queries made by members through the Service or other information.

In connection with any such offers, the Service may provide links to other web sites belonging to DM partners, advertisers and other third parties. DM does not endorse, warrant or guarantee the products or services available through any such offers (or any other third-party products or services advertised on or linked from our site), and DM is not an agent or broker or otherwise responsible for the activities or policies of third party web sites.

6. Your Registration Information

You agree and understand that you are responsible for maintaining the confidentiality of your password, which, together with your Login ID, allows you to access the platform. That Login Id and password, together with any mobile number, email address, business information or other contact information you provide on your “Registration Information” or “Membership Request.”

By providing us with your e-mail address, you agree to receive all required notices electronically, system alerts, password retrieval requests, member communications to that e-mail address. It is your responsibility to update or change that address, as appropriate. Notices will be provided in HTML (or, if your system does not support HTML, in plain-text) in the text of the e-mail or through a link to the appropriate page on our site, accessible through any standard, commercially available internet browser.

If you become aware of any unauthorized use of your Registration Information, you agree to notify DM immediately at the email address – security [Email address: security #AT# Debtmarket.com - replace #AT# with @ ].

7. Your Use of the Platform

Your right to access and use Debtmarket.com is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Platform for lawful purposes.

In order for the Platform to function effectively, you must also keep your Registration Information up to date and accurate. If you do not do this, the accuracy and effectiveness of the Platform to you may be affected.

Your access and use of Debtmarket.com may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance, or repair of Debtmarket.com or other actions that DM, in its sole discretion, may elect to take. DM cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain data or loss of data, personalization settings or other service interruptions. DM cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personalization settings.

8. Confidential Information

You understand that “Confidential Information” means the nonpublic and proprietary information revealed by or about the Company, the System, and its members. You understand that you will have access to or will receive Confidential Information and agree that you will keep all information acquired from the System, whether in connection with your use or otherwise, confidential. You agree that you will only use the Confidential Information for the purposes of evaluating the selected portfolio and will only permit access to employees or other designated individuals who are assisting with the evaluation. Further, you agree that you will not use the information and will not disclose to any third party other than as permitted through use of the System or as required by law.

You agree to comply with all data privacy and protection laws, rules, and regulations applicable to the use of the DebtMarket or to any data or information provided therein. Further, you represent and warrant that you will comply with federal and state laws relating to the acquisition, use, and handling of nonpublic personal information including, without limitation, information subject to the Fair Credit Reporting Act, 15 USC § 1681 et seq. and the Gramm-Leach-Bliley Act, § 6801-6810 et seq. and all applicable regulations. The Company agrees to hold the described nonpublic personal information in confidence and not to intentionally disclose such information to any third party or use it for any purpose other than as necessary to carry out the DebtMarket services or as permitted by law. We also agree to maintain all physical, technical, and administrative safeguards required by law to protect nonpublic personal information from unwarranted, accidental or unauthorized access, disclosure, modification or destruction.

9. Online and Mobile Alerts

DM may from time to time provide automatic alerts and voluntary account-related alerts.

Automatic alerts may be sent to you following certain changes made online to your DM account, such as a change in your Registration Information. You do not need to activate these alerts. Although you may have the option to suppress some of these automatic alerts, we recommend that you do not since they may be security-related.

Voluntary account alerts may be turned on by default as part of the Service. DM may add new alerts from time to time, or cease to provide certain alerts at any time upon its sole discretion. Each alert may have different options available, and you may be asked to select from among these options upon activation of your alerts service.

Any such electronic alerts will be sent to the email address you have provided as your primary email address for DM. If your email address or your mobile device’s email address changes, you are responsible for informing us of that change. Changes to your email address will apply to all of your alerts.

Alerts may include your Debtmarket.com Login ID and some information about your accounts. Anyone with access to your email will be able to view the content of these alerts. At any time you may disable future alerts.

10. Alert Disclaimer

You understand and agree that any alerts provided to you through the Service may be delayed or prevented by a variety of factors. DM does its best to provide alerts in a timely manner with accurate information. However, we neither guarantee the delivery nor the accuracy of the content of any alert. You also agree that DM shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.

11. Rights You Grant to Us

As the owner of any and all portfolio summary information, any portfolio/loan wanted requests, any detailed portfolio/loan data, passwords, usernames, and other log-in information, materials or other content (collectively, “Accounts Content”) you provide to us through the Service, you are licensing, free of any charge, to DM solely for the purpose of providing the Service. DM may use such Accounts Content, but only to provide the Service to you and to collect aggregate and anonymous information to be used at DM’s discretion. By submitting Accounts Content, you represent that you are entitled to submit it to DM for use for this purpose, without any obligation by DM to pay any fees or other limitations.

You hereby authorize and permit DM to use information submitted by you to the Service (such as account passwords and users names) to configure the Service so that it is compatible with the third party sites upon your agreement and acceptance.

12. DM’s Intellectual Property Rights

The contents of DM and www.Debtmarket.com, including its “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including html-based computer programs) and other material are protected under United States and other applicable copyright, trademark and other laws. The contents of DM belong or are licensed to DM or its software or content suppliers. DM grants you the right to view and use DM subject to these terms. You may download or print a copy of information provided on DM for your personal, internal, and non-commercial use only. Any distribution, reprint, or electronic reproduction of any content from DM, in whole or in part, for any other purpose is expressly prohibited without our prior written consent.

13. Access and Interference

You agree that you will not:

1. Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tool, program, algorithm or methodology to access, acquire, copy or monitor DM or any portion of DM, without DM’s express written consent, which may be withheld in DM’s sole discretion;

2. Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate www.Debtmarket.com, other than the search engines and search agents available through the Service and other than generally available third-party web browsers (such as Microsoft Explorer);

3. Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of DM or the Service; or

4. Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of DM or the Service.

5. Rules for Posting to Bulletin Boards, Blogs or Elsewhere on the Service.

As part of the Service, DM allows Members to post content on blogs, portfolio listings and/or at various other available locations on DM that are solely accessible by other approved and registered DM Members.

1. You are responsible for the accuracy of all content you submit to DM.

2. By submitting content to us, you represent that you have all necessary rights and hereby grant us a perpetual, worldwide, non-exclusive, royalty-free, sub-licenseable and transferable license to use, reproduce, distribute, prepare derivative works of, modify, display, and perform all or any portion of the content in connection with DM and our business, including without limitation for promoting and redistributing part or all of the site (and derivative works thereof) in any media formats and through any media channels. You also hereby grant each User a non-exclusive license to access your posted content through DM, and to use, reproduce, distribute, prepare derivative works of, display and perform such content as permitted through the functionality of DM and under this Agreement.

3. You may not post or transmit any message which is libelous or defamatory, or which discloses private or personal matters concerning any person. You may not post or transmit any message, data, image or program that is indecent, obscene, pornographic, harassing, threatening, abusive, hateful, racially or ethnically offensive; that encourages conduct that would be considered a criminal offense, give rise to civil liability or violate any law; or that is otherwise inappropriate.

4. You may not post or transmit any message, data, image or program that would violate the property rights of others, including unauthorized copyrighted text, images or programs, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion.

5. You may not interfere with other Users’ use of the Service, including, without limitation, disrupting the normal flow of dialogue in an interactive area of DM, deleting or revising any content posted by another person or entity, or taking any action that imposes a disproportionate burden on the Service infrastructure or that negatively affects the availability of the Service to others.

6. You may not post or transmit charity requests; petitions for signatures; franchises, distributorship, sales representative agency arrangements, or other business opportunities (including offers of employment or contracting arrangements); club memberships; chain letters; or letters relating to pyramid schemes. You may not post or transmit any advertising, promotional materials or any other solicitation of other users to use goods or services.

7. You agree that any employment or other relationship you form or attempt to form with an employer, employee, or contractor whom you contact through areas of DM that may be designated for that purpose is between you and that employer, employee, or contractor alone, and not with us.

8. You may not copy or use personal identifying or business contact information about other Users without their permission. Unsolicited e-mails, mailings, telephone calls, or other communications to individuals or companies whose contact details you obtain through the Service are prohibited.

14. Disclaimer of Representations and Warranties

THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH DM OR PROVIDED THROUGH THE SERVICE ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. DM MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF DM OR OF THE SERVICE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

DM MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON DM OR OF THE SERVICE, WHETHER SUCH CONTENT IS PROVIDED BY DM OR BY A USER OF THE SERVICE, AND DM EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. DM MAKES NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICE IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA, OR PERSONAL INFORMATION.

15. Non-circumvention Agreement.

You understand and agree that upon acceptance of Portfolio purchase terms, you will not at any time attempt to in any manner to circumvent us or the System or otherwise exploit our services or the System or deal directly with other Member in connection to the subject Portfolio Listing(s) without our approval. In the event of a direct circumvention by you, we may be entitled to damages in the amount of the DM transaction fee that would have been payable absent your circumvention, as well as any other remedies available to us at law or at equity.

16. Legal

No Legal Advice. The Company does not provide legal services or engage in the practice of law. You understand and agree that no information provided on the Site or posted in connection with DM is intended to constitute, or constitutes, legal advice. You agree that standardized documents and provisions (including without limitation, the DM Portfolio Purchase Agreement) offered on the Site or in connection with the System should not be used as a substitute for legal advice and should be reviewed by your own counsel.

You understand that the Company is not responsible for any verification or legal review of the Portfolio Listings or related documentation and acknowledge that Company does not warrant compliance with state or federal law or the enforceability of any document maintained in the Vault. You understand and agree that it is your responsibility to evaluate and confirm the validity and legality of the portfolio listings and related documentation.

Legal Compliance. You agree to comply with all applicable laws, statutes, and regulations with respect to your use of the System. You further agree to obtain and maintain during the term of this Agreement all regulatory approvals, authorizations, licenses, permits, and other permissions, consents, and authorities whatsoever needed to use the System.

Warranty and Disclaimer.

• Each party warrants that it has the power and authority to execute and deliver this Agreement. The Company warrants that its services performed in connection with this Agreement to maintain the Site will be performed in a professional and workmanlike manner. DM IS MADE AVAILABLE TO YOU ON AN ‘AS IS’ AND ‘AS AVAILABLE’ BASIS. EXCEPT FOR THE PRECEDING WARRANTIES, THE COMPANY MAKES NO OTHER WARRANTIES UNDER THIS AGREEMENT, AND EXPRESSLY DISCLAIMS TO THE EXTENT PERMITTED BY LAW ALL OTHER REPRESENTATIONS OR WARRANTIES UNDER THIS AGREEMENT, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.
• IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING FOR LOSS OF USE, DATA, BUSINESS OR PROFITS, AND CLAIMS FOR SUCH DAMAGES BY A THIRD PARTY) RELATED TO OR ARISING OUT OF THIS AGREEMENT, HOWEVER CAUSED, ON ANY THEORY OF LIABILITY, WHETHER IN AN ACTION IN CONTRACT, STRICT LIABILITY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, AND WHETHER OR NOT THE PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THE COMPANY’S LIABILITY TO YOU UNDER ANY PROVISION OF THIS AGREEMENT, OR ANY TRANSACTION CONTEMPLATED BY THIS AGREEMENT, SHALL BE LIMITED TO THE AMOUNT OF FEES ACTUALLY PAID.

17. DM is Not a Registered Exchange, Financial Planner, Broker-Dealer, Investment Adviser or Tax Advisor

NEITHER DM NOR THE SERVICE IS INTENDED TO PROVIDE LEGAL, TAX, INVESTMENT OR FINANCIAL ADVICE.

• DM is not a registered exchange under the Securities Exchange Act of 1934. Rather, DM and www.Debtmarket.com is a technology platform for the use of its registered members.
• DM is not a registered broker or dealer under the Securities Exchange Act of 1934.
• DM is not a registered investment adviser under the Investment Advisers Act of 1940.
• DM is not a financial or tax planner, and does not offer legal advice to any user of the service.

Accordingly, before making any final decisions or implementing any transaction, you should consider obtaining additional information and advice from financial and/or legal advisers who are fully aware of your business’s circumstances.

18. Limitations on DM’s Liability

DM SHALL IN NO EVENT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFIT, REVENUE OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO DM, YOUR USE OF THE SERVICE OR THIS AGREEMENT, EVEN IF DM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, DM’S LIABILITY TO YOU FOR ANY CAUSE WHATEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT OF FEES YOU HAVE ACTUALLY PAID TO DM WITHIN THE PAST ONE-YEAR, IF ANY, WHICHEVER AMOUNT IS GREATER.

YOU AGREE THAT ANY CAUSE OF ACTION ARSING OUT OF OR RELATED TO YOUR USE OF THE DM’S SERVICE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE ACCRUES – OTHERWISE, ANY SUCH CAUSE IS PERMANENTLY BARRED.

1. Your Indemnification of DM

You shall defend, indemnify and hold harmless DM and its affiliates, officers, directors, shareholders, employees, agents, consultants and advisers, from and against all claims and expenses, including but not limited to attorneys fees, in whole or in part arising out of or attributable to any breach of this Agreement by you.

2. Ending your relationship with DM

This Agreement will continue to apply until terminated by either you or DM.

If you want to terminate your legal agreement with DM, you may do so by closing your account for the Service.

Please use the directions below to cancel your account:

1. Login to your DM account.
2. Go to “My Profile”.
3. Locate the “Delete Account” option
4. Select “Delete my Account”.
5. Enter in the password for your DM account.
6. Select “Yes”
7. Your DM account completely removed.
8. If you wish to re-gain access to the system, you will have to go through the sign-up and approval process like a new member.

DM may at any time, terminate its legal agreement with you:

1. if you have breached any provision of this Agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this Agreement);
2. if DM in its sole discretion believes it is required to do so by law (for example, where the provision of the Service to you is, or becomes, unlawful); or
3. for any or no reason, in DM’s sole discretion, immediately upon notice to the e-mail address provided by you as part of your Registration Information.

3. Modifications of this Agreement

DM may modify this Agreement from time to time. You will be notified of any and all changes to this Agreement through a prominent notice on the www.Debtmarket.com site. In addition, the Agreement will indicate the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you visit the www.Debtmarket.com website and/or use the Service after those changes are posted.

4. Governing Law and Venue for Disputes

This Agreement, and your relationship with DM under this Agreement, shall be governed by the laws of the State of California without regard to its conflict or choice of law provisions. Any dispute with DM, or its affiliates, officers, directors, shareholders, employees, agents, consultants and advisers, arising under or in relation to this Agreement shall be resolved exclusively within the county of Los Angeles, California, except with respect to imminent harm requiring temporary or preliminary injunctive relief in which case DM may seek such relief in any court with jurisdiction over the parties. You understand that, in return for agreement to this provision, DM is able to offer the Service at the terms designated, without charge to you, and that your assent to this provision is an indispensable consideration to this Agreement.

You also acknowledge and understand that, with respect to any dispute with DM, its affiliates, officers, directors, shareholders, employees, agents, consultants, and advisers, arising out of or relating to your use of the Service or this Agreement:

* YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and

* YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT INVOLVING ANY SUCH DISPUTE.

5. Miscellaneous

If any portion of this Agreement is deemed unlawful, void, or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be stricken from this Agreement.

You agree that if DM does not exercise or enforce any legal right or remedy which is contained in the Agreement (or which DM has the benefit of under any applicable law), this will not be taken to be a waiver of DM’s rights and that those rights or remedies will still be available to DM.

All covenants, agreements, representations, and warranties made in this Agreement shall survive your acceptance of this Agreement and the termination of this Agreement.

This Agreement (including the incorporated Privacy Policy), along with the Member Agreement entered into by a user if applicable, represents the entire understanding and agreement between you and DM regarding the subject matter of the same, and supersedes all other previous agreements.

Changes to the Terms of Use:

Date of Change: March 10, 2010

1. DebtMarket, Inc. is now the registered name of the Corporation.  DebtMarket, Inc (“DM”) replaced all references to Global Debt Network, Inc and (“GDN”).