TERMS AND CONDITIONS

NOTICE: PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

The Restate, Inc. website includes various Web pages operated or maintained by Restate, Inc. and its subsidiaries (collectively, the "Restate, Inc. Websites").

Copyrights And Trademarks

All of the pages and screens on the Restate, Inc. Websites are owned and controlled by Restate, Inc., except as otherwise expressly stated, and are protected by U.S. copyright laws. The Restate, Inc. logo is a service mark of Restate, Inc. Helping You Achieve More is a registered service mark of Restate, Inc. Other featured words used on the Restate, Inc. Websites to identify the source of goods and services are trademarks and service marks owned by Restate, Inc. or owned by third parties. You may not use, copy, display, distribute, modify, or reproduce any of the trademarks or service marks found on the Restate, Inc. Websites except as authorized in this paragraph or pursuant to a written license agreement.

Web Content And Materials

The information maintained on the Restate, Inc. Websites and Mobile Apps is to provide users with information about Restate, Inc.'s products and services and is directed at, and made available to, persons in the United States only. Through your use of the Restate, Inc. Websites and Mobile Apps, you represent and warrant that you are not located in any European Union jurisdiction. You agree that we may take active steps to prohibit the access to Restate, Inc. Websites and Mobile Apps by users located in the European Union. The information and material maintained on the Restate, Inc. Websites and Mobile Apps is subject to change without notice. Not all of the products or services described on the Restate, Inc. Websites and Mobile Apps are available in all geographic areas. Your eligibility for particular products or services is subject to final determination by and the approval of Restate, Inc. No solicitation is made by Restate, Inc. to any person to use any information, materials, products, or services in any jurisdiction where the provision of such information, materials, products, and services is prohibited by law. These terms and conditions are intended to supplement the information contained in "Important Legal Notices"; however, in the event of contradiction or inconsistency, the provisions and/or terms hereof shall supersede and govern.

Electronic Documents (Paperless)

Paperless is the convenient way to receive all your account-related documents and messages. By registering for Paperless, you agree to receive account communications electronically by email. This includes, but is not limited to:

• Notifications that statements are ready to be viewed or downloaded by signing into your Restate, Inc. online account

• Statement notifications include billing, escrow, year-end tax statements, etc.

• Modification-related documents

• Notices and letters regarding your account

There is no fee to enroll in Paperless. You may cancel at any time and go back to receiving communications via the U.S. Postal Service. To cancel, sign into your account online. Look for "Settings," click "Communication Settings," and select "Paperless" to change your preference. Or you may call Customer Service at 888-383-5170. It may take up to one billing cycle for changes to your Paperless preference to become effective.

In order to receive Paperless and access your documents electronically, you must have:

• A valid email address

• Adobe Acrobat Reader software 6.0 or higher

• Compatible operating systems

Cellular Phone Contact Policy

By providing us with a telephone number for a mobile device, including a number that you later convert to a mobile device number, you are expressly consenting to receiving communications—including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system—from us and our affiliates and agents at that number, about any product or services offered by Restate, Inc. or its affiliates. This express consent applies to each such telephone number that you provide to us now or in the future. Calls and messages may incur access fees from your mobile services provider. You understand that you need not provide this consent as a condition of obtaining goods or services from Restate, Inc., and that you may decline to provide or revoke your consent at any time.

Mobile Terms And Conditions

Restate, Inc. Alerts

Receive special text offers and deals from Restate, Inc. Alerts through your mobile device. Message and data rates may apply.

By opting in to this service, you consent to receive mobile text alerts using an automatic telephone dialing system. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services.

By signing up, you are confirming you are over the age of 13.

STOP Information

Text STOP to stop receiving Restate, Inc. Alerts messages from Restate, Inc. (you will receive a confirmation text).

HELP Information

For additional information, contact support@restatehomes.com or 669-221-1735.

Supported carriers are:

AT&T, Sprint, T-Mobile®, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, ACS Wireless, Appalachian Wireless, Bluegrass Cellular, Carolina West Wireless, Cellcom, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Cincinnati Bell Wireless, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), Illinois Valley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, iWireless, Mobi PCS (Coral Wireless LLC), Mosaic, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, nTelos, Panhandle Telecommunications, Peoples Wireless, Pioneer, Plateau, Revol Wireless, Rina - Custer, Rina - All West, Rina - Cambridge Telecom Coop, Rina - Eagle Valley Comm, Rina - Farmers Mutual Telephone Co, Rina - Nucla Nutria Telephone Co, Rina - Silver Star, Rina - South Central Comm, Rina - Syringa, Rina - UBET, Rina - Manti, South Canaan / CellularOne of NEPA, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush.

We take your privacy seriously. If you have any questions regarding privacy, please read our privacy policy.

No Unlawful Or Prohibited Use

As a condition of your use of the Restate, Inc. Websites, you warrant to Restate, Inc. that you will not use the Restate, Inc. Websites for any purpose that is unlawful or prohibited by the applicable terms, conditions, and notices. You may not use the Restate, Inc. Websites in any manner that could damage, disable, overburden, or impair the Restate, Inc. Websites or interfere with any other party's use and enjoyment of the Restate, Inc. Websites. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Restate, Inc. Websites.

Submissions

Restate, Inc. does not claim ownership of the materials you provide to Restate, Inc. (including feedback and suggestions) or post, upload, input, or submit to any Restate, Inc. Website or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing, or submitting your Submissions, you are granting Restate, Inc., its affiliated companies, and necessary sublicensees permission to use your Submissions in connection with the operation of their Internet businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your Submissions. Please note that specific terms and conditions provided on the web page describing a particular feature or offer may supersede this provision. Any information and documents you submit in support of a Restate, Inc. loan application will be available to view and potentially download or print by any co-borrowers listed on the application.

Linked Site Statement

Links to websites other than Restate, Inc. Websites are provided solely as pointers to information on topics that may be useful to users of the Restate, Inc. Websites, and Restate, Inc. has no control over the content on such websites. If you choose to link to a website not controlled by Restate, Inc., Restate, Inc. makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose, nor does Restate, Inc. warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Restate, Inc. does not guarantee the authenticity of documents on the Internet. Links to non-Restate, Inc. websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information, or services offered at such sites, or any representation regarding the content at such sites.

No Warranty

THE INFORMATION AND MATERIALS CONTAINED IN RESTATE, INC. WEBSITES, INCLUDING TEXT, GRAPHICS, LINKS, OR OTHER ITEMS ARE PROVIDED "AS IS." RESTATE, INC. DOES NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS, OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, FITNESS FOR ANY PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

Limitation Of Liability

IN NO EVENT WILL RESTATE, INC. BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, LOSSES, OR EXPENSES (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) TO THE USER AND/OR ANY THIRD PARTY, ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE, EVEN IF RESTATE, INC., OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES. The user's access to and use of the Restate, Inc. Websites, and the terms of this disclaimer are governed by all applicable Federal laws and the laws of the state of Delaware.