Enrollment in the Program.
By submitting the Application You are expressing Your desire to participate in the Program through which You may promote certain Dreamloans services and are compensated for the number of qualified individuals that use such services as a direct result of Your promotion. As part of the Application You must submit the principal URL of Your Web site ("Your Web Site") upon which You desire to place the Dreamloans Graphics (as defined in Section 2). Additionally, You represent and warrant that: (i) the information submitted in the Application is truthful and accurate; (ii) the person submitting the Application is at least 18 years old; (iii) in the event You are an entity, the person submitting the Application has the full right, power and authority to enter into this Agreement on behalf of such entity; and (iv) the execution of this Agreement by You, and the performance by You of Your obligations and duties hereunder, do not and will not violate any agreement to which You are a party or by which You are otherwise bound. You acknowledge that Dreamloans makes no representations, warranties or agreements related to the subject matter hereof that are not expressly provided for in this Agreement. Dreamloans will evaluate the Application and will notify You of Dreamloans acceptance or rejection of the Application in a timely manner. Dreamloans may reject the Application if Your Web Site is deemed in Dreamloans sole discretion to be unsuitable for the Program.

Use of Dreamloans Links on Your Site.
In the event Your Application is accepted by Dreamloans, You may use (to the extent provided in Section 4 below) the electronic graphic artwork and corresponding links ("Links") to the Dreamloans brand commercial online service ("Dreamloans Service") including the special promotion identifier and all HTML thereto ("Dreamloans Graphics") available at http://www.dreamloans.com.au/Affiliate Program/overview ("Reporting Site") as necessary to participate in the Program. Dreamloans will provide the HTML for such Links at the Reporting Site, including a special promotion identifier that will make possible tracking and reporting of all fully submitted Leads (as defined in Section 5) acquired through Your Web Site. It is Your responsibility to integrate the Dreamloans Graphics into Your Web Site properly in accordance with the instructions available at the Reporting Site, and Dreamloans shall not be liable to You with respect to Your failure to integrate properly the Dreamloans Graphics into Your Web Site. You agree not to modify any Dreamloans Graphics in any way without the prior written permission of Dreamloans. You may only display the Dreamloans Graphics on Your Web Site, and if You have Web sites other than Your Web Site, You must submit an Application and accept and agree to the terms of this Agreement for each such Web site to display the Dreamloans Graphics on such Web site. You may not transmit "interstitial advertising" to users as they link from Your Web Site to the Dreamloans Web Site, or otherwise interrupt such link through the use of any intermediate screen or device, including without limitation the use of an HTML pop-up window. Without limiting the foregoing, You shall not promote or otherwise announce the availability of the Dreamloans Graphics or promote the Dreamloans Service anywhere other than within Your Web Site or in opt-in email campaigns or newsletters.

Your Web Site.
You are solely responsible for, and Dreamloans hereby disclaims all liability for, the development, operation and maintenance of, and all costs associated with, Your Web Site, any content thereon and any equipment therefore. You hereby agree that Your Web Site shall not, in any way, copy or resemble the look and feel of, or create the impression that it is part of the Dreamloans Service.

Limited License to Use Dreamloans Graphics.
Dreamloans hereby grants to You a nonexclusive, revocable license to display on Your Web Site and in opt-in email campaigns and newsletters the Dreamloans Graphics solely as necessary for, and for the purpose of, promoting the Dreamloans Service associated with the Dreamloans Graphics as set forth at the Reporting Site and identifying You as a participant in the Program. To the extent that Dreamloans Graphics contain Dreamloans trademarks, service marks or trade names, You shall not use such marks in a manner that might be deemed to create a unitary composite mark. You also agree not to use the Dreamloans Graphics in a manner that is, or otherwise include materials on Your Web Site that are, disparaging of Dreamloans or any third party. Dreamloans reserves all proprietary rights in and to the Dreamloans Graphics not expressly granted herein. You agree this license can be revoked at any time for any or no reason upon notice by Dreamloans to You (regardless of termination of this Agreement) and You agree upon receipt of such notice immediately to cease using all Dreamloans Graphics.

Referral Fees.
On a monthly basis, within thirty (30) days after the end of each calendar month, Dreamloans agrees to pay You a marketing referral fee each time (but no more than once, per product, in a 12 month period) a unique customer ("Customer") who, after having used the Dreamloans Links on Your Web Site, fully submits the required fields for a particular Type of Dreamloans Service with valid information.

• Valid Information: To the best of Your knowledge (1) each referral is competent and had full legal capacity request Dreamloans services at the time they completed the request form; (2) No referral has been obtained by fraud or fraudulent representations; (3) the information provided is complete and true; (4) none of referrals are deceased.

• For referral fee information contact our Manager of Business Development on 1300 780 050 or email johnp@dreamloans.com.au.

If during any month the Referral Fees due are less than fifty ($50), Dreamloans will defer payment until the Referral Fees accrued during a month are at least fifty ($50), or (if earlier) until the Agreement is terminated. Upon earning Referral Fees in excess of fifty ($50) during a month, Dreamloans will send a cheque for all Referral Fees due and owing, including the Referral Fees for the prior month or months during which the Referral Fees did not exceed fifty ($50).

For the purposes of this Agreement, Leads means a Customer who (i) directly accesses the Dreamloans Web Site from Your Web Site using the Links, and (ii) registers with Dreamloans using a unique e-mail address, telephone number and name not previously received by Dreamloans. We attribute a Customer to the affiliate it was first associated with.

You acknowledge that Dreamloans Advertiser's performs all actions, services and processing of loans and applications offered through the Dreamloans Advertiser's Web sites ("Dreamloans Web Sites") and all other matters relating thereto, including but not limited to (i) the solicitation of loans, (ii) the processing of loans and other loan related documentation, (iii) the collection of closing costs, and (iv) all other broker functions and activities (collectively, the "Broker Activities"). The parties intend that the compensation payable by Dreamloans to You under this Agreement shall not constitute an loans commission, and the parties agree that You are not, by providing the Links, engaged in any Broker Activities, and Dreamloans shall not pay any Referral Fee to You based upon the condition that a Customer closes a loan with an Dreamloans Advertiser. Dreamloans agrees that such compensation shall at all times be in compliance with applicable federal and state laws and regulations, including without limitation, all states insurance laws and regulations. In furtherance of this objective, the parties agree to negotiate in good faith an alternative compensation arrangement with substantially similar economic benefits if Dreamloans reasonably determines that such compensation arrangement is no longer in compliance with applicable federal, state or other laws and regulations.

Dreamloans, in its sole discretion, may choose to offer You a higher Referral Fee for a particular period of time or for particular types of services offered by Dreamloans. Dreamloans will either provide You notice of such higher Referral Fee to the e-mail address in Your Application or will post notice of such higher Referral Fee on the Reporting Site. You acknowledge that Dreamloans may offer a Referral Fee to other participants in the Program that is higher than the Referral Fee You receive. Nothing in the foregoing shall limit Dreamloans ability to lower the Referral Fee in accordance with Section 7.

Reporting.
Dreamloans, will provide You with access to a password-protected site to view reports summarizing Your Web Site activity. The form and content of the reports may vary from time to time at Dreamloans discretion. To permit accurate tracking, reporting, and Referral Fee accrual, You must ensure that the Links between Your Web Site and the Dreamloans Web Site are properly formatted. Failure to properly format and use the Links may result in a reduction of the amounts, which would otherwise be paid to You pursuant to the terms hereof, or the termination of this agreement.

You will not receive and/or have access to any personally identifiable consumer information that may be collected through the Program. Dreamloans agrees that personally identifiable information will be collected pursuant to a privacy policy that is substantially similar to the privacy policy posted on the Dreamloans Web Site, as it may be amended from time to time.