LendingTree Broker Advertisement Disclosure (last updated July 2011):

LENDINGTREE, LLC IS A DULY LICENSED MORTGAGE BROKER, AS REQUIRED, WITH ITS MAIN OFFICE LOCATED AT 11115 RUSHMORE DR., CHARLOTTE, NC 28277, TELEPHONE NUMBER 1-800-555-8733.

For a current list of applicable state licensing & disclosures, see the LendingTree website or call for details.

NMLS Unique Identifier # 1136, AZ Mortgage Broker, License #0902469; California Dept. of Corporations, California Finance Lender, License No. 6037234; CT First Mortgage Broker Only, License #4164 - MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; DC Licensed Mortgage Broker; Georgia Residential Mortgage Licensee, License #12989; Illinois Residential Mortgage Licensee, License #0005433; Kansas licensed mortgage company, License #1999-0827; ; MA Licensed Mortgage Broker, License #MB1942 - We arrange but do not make loans; MS Mortgage Company Broker License; MO Mortgage Broker, 10805 Sunset Office Drive, Suite 300, St. Louis, MO 63127; MT Mortgage Broker, License #1097; Licensed by the New Hampshire Banking Department; NJ Licensed by the N.J. Department of Banking and Insurance, Reference # 080177; LT Technologies in Lieu of true name LendingTree, LLC, Mortgage Broker-- NYS Banking Department; OH Mortgage Broker, License #MB.802159.000 , 37812 2nd Street, Willoughby, OH 44094; OR Mortgage Lender License #ML 1862; PA Licensed First Mortgage Broker, PA Department of Banking (also licensed pursuant to the Secondary Mortgage Loan Act); Rhode Island Licensed Loan Broker; Texas Regulated Loan License #10440-10443, Entity Mortgage Broker, License #80617, 1312 Village Creek Drive Suite 900, Plano TX 75093; Virginia State Corporation Commission, License #MC-1052; WA License #510-MB-19814.

• The information and disclosures below relate to advertised terms made by or through LendingTree.
• Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated.
• LendingTree is not a lender in any transaction. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request and determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms.
• You may not be matched with the lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers either through its network of nonaffiliated lenders or though its affiliate, Home Loan Center, Inc. (doing business as "LendingTree Loans" in most states). See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.
• FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.

• Based on loan requests since inception in 1998.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.13% as of January 3, 2012) plus a margin of 2.25%.
• The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
• If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment for each loan amount would be: $1,139 for $175,000; $1,302 for $200,000; $1,464 for $225,000; $1,627 for $250,000; $2,603 for $400,000.
• There is no prepayment penalty.
• The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
• The chart below shows the interest rate, APR, and the initial monthly payments:
  
  Payment Examples

  Loan Amount	Initial Interest Rate (for 60 months)	APR	Initial Monthly Payments (for 60 months)
  $175,000	2.500%	3.253%	$692
  $200,000	2.500%	3.250%	$791
  $225,000	2.500%	3.248%	$890
  $250,000	2.500%	3.246%	$988
  $400,000	2.500%	3.240%	$1,581



Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
• The initial interest rate is fixed for 5 years. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• Interest rate and APR are variable and subject to increase
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.13% as of January 3, 2012) plus a margin of 2.25%.
• The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
• If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment for each loan amount would be: $1,139 for $175,000; $1,302 for $200,000; $1,464 for $225,000; $1,627 for $250,000; $2,603 for $400,000.
• There is no prepayment penalty.
• The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
• The chart below shows the interest rate, APR, and the initial monthly payments:
  
  Payment Examples

  Loan Amount	Initial Interest Rate (for 60 months)	APR	Initial Monthly Payments (for 60 months)
  $175,000	2.500%	3.253%	$692
  $200,000	2.500%	3.250%	$791
  $225,000	2.500%	3.248%	$890
  $250,000	2.500%	3.246%	$988
  $400,000	2.500%	3.240%	$1,581



Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
• The initial interest rate is fixed for 5 years. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• Interest rate and APR are variable and subject to increase
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.13% as of January 3, 2012) plus a margin of 2.25%.
• The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
• If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment for each loan amount would be: $1,139 for $175,000; $1,302 for $200,000; $1,464 for $225,000; $1,627 for $250,000; $2,603 for $400,000.
• There is no prepayment penalty.
• The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
• The chart below shows the interest rate, APR, and the initial monthly payments:
  
  Payment Examples

  Loan Amount	Initial Interest Rate (for 60 months)	APR	Initial Monthly Payments (for 60 months)
  $175,000	2.500%	3.253%	$692
  $200,000	2.500%	3.250%	$791
  $225,000	2.500%	3.248%	$890
  $250,000	2.500%	3.246%	$988
  $400,000	2.500%	3.240%	$1,581



Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
• The initial interest rate is fixed for 5 years. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• Interest rate and APR are variable and subject to increase
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.13% as of January 3, 2012) plus a margin of 2.25%.
• The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
• If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment for each loan amount would be: $1,139 for $175,000; $1,302 for $200,000; $1,464 for $225,000; $1,627 for $250,000; $2,603 for $400,000.
• There is no prepayment penalty.
• The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
• The chart below shows the interest rate, APR, and the initial monthly payments:
  
  Payment Examples

  Loan Amount	Initial Interest Rate (for 60 months)	APR	Initial Monthly Payments (for 60 months)
  $175,000	2.500%	3.253%	$692
  $200,000	2.500%	3.250%	$791
  $225,000	2.500%	3.248%	$890
  $250,000	2.500%	3.246%	$988
  $400,000	2.500%	3.240%	$1,581



Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
• The initial interest rate is fixed for 5 years. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• Interest rate and APR are variable and subject to increase
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.13% as of January 3, 2012) plus a margin of 2.25%.
• The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
• If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment for each loan amount would be: $1,139 for $175,000; $1,302 for $200,000; $1,464 for $225,000; $1,627 for $250,000; $2,603 for $400,000.
• There is no prepayment penalty.
• The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
• The chart below shows the interest rate, APR, and the initial monthly payments:
  
  Payment Examples

  Loan Amount	Initial Interest Rate (for 60 months)	APR	Initial Monthly Payments (for 60 months)
  $175,000	2.500%	3.253%	$692
  $200,000	2.500%	3.250%	$791
  $225,000	2.500%	3.248%	$890
  $250,000	2.500%	3.246%	$988
  $400,000	2.500%	3.240%	$1,581



Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
• The initial interest rate is fixed for 5 years. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• Interest rate and APR are variable and subject to increase
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
• The initial interest rate is 3.500% for 60 months. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• The APR is 3.672% with an initial payment of $2,246 for the first 60 months.
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.13% as of January 3, 2012) plus a margin of 2.25%.
• The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
• If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment would be $3,611 for $500,000.
• There is no prepayment penalty.
• The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.


Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors.
• The initial interest rate is fixed for 5 years. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• Interest rate and APR are variable and subject to increase
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

Savings based on a refinancing a 30-year fixed-rate mortgage with a 7.25% interest rate with one at a 5.5% interest rate. The difference in savings is approximately $100 per month for every $100,000 financed. This analysis does not consider any closing costs or the effect of possibly lengthening the term of the loan. The chart below shows sample savings for different loan amounts and is not a credit advertisement for any particular program or an offered or marketed rate:

Loan Amount	Savings at 5.5%
	Monthly	Annually
$200,000	$200	$2,400
$300,000	$300	$3,600
$400,000	$400	$4,800
$500,000	$500	$6,000

Savings based on a refinancing a 30-year fixed-rate mortgage with a 7.25% interest rate with one at a 5.5% interest rate. The difference in savings is approximately $100 per month for every $100,000 financed. This analysis does not consider any closing costs or the effect of possibly lengthening the term of the loan. The chart below shows sample savings for different loan amounts and is not a credit advertisement for any particular program or an offered or marketed rate:

Loan Amount	Savings at 5.5%
	Monthly	Annually
$200,000	$200	$2,400
$300,000	$300	$3,600
$400,000	$400	$4,800
$500,000	$500	$6,000

Savings based on a refinancing a 30-year fixed-rate mortgage with a 7.25% interest rate with one at a 5.5% interest rate. The difference in savings is approximately $100 per month for every $100,000 financed. This analysis does not consider any closing costs or the effect of possibly lengthening the term of the loan. The chart below shows sample savings for different loan amounts and is not a credit advertisement for any particular program or an offered or marketed rate:

Loan Amount	Savings at 5.5%
	Monthly	Annually
$200,000	$200	$2,400
$300,000	$300	$3,600
$400,000	$400	$4,800
$500,000	$500	$6,000

Savings based on a refinancing a 30-year fixed-rate mortgage with a 7.25% interest rate with one at a 5.5% interest rate. The difference in savings is approximately $100 per month for every $100,000 financed. This analysis does not consider any closing costs or the effect of possibly lengthening the term of the loan. The chart below shows sample savings for different loan amounts and is not a credit advertisement for any particular program or an offered or marketed rate:

Loan Amount	Savings at 5.5%
	Monthly	Annually
$200,000	$200	$2,400
$300,000	$300	$3,600
$400,000	$400	$4,800
$500,000	$500	$6,000

• The advertised loan is a 15-year fixed rate full amortizing loan, assuming a $200,000 loan amount and a 2.875% interest rate.
• This loan has 180 monthly principal and interest payments of $1,370. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• The Annual Percentage Rate (APR) is 3.202%.


Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 30-year fixed rate fully amortizing loan, assuming a $250,000 loan amount and a 3.500% interest rate.
• This loan has 360 monthly principal and interest payments of $1,123. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• The Annual Percentage Rate (APR) is 3.680%.


Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.13% as of January 3, 2012) plus a margin of 2.25%.
• The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
• If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment would be $1,953 for $300,000.
• There is no prepayment penalty.
• The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
• The chart below shows the interest rate, APR, and the initial monthly payment:
  
  Payment Examples

  Loan Amount	Initial Interest Rate (for 60 months)	APR	Initial Monthly Payments (for 60 months)
  $300,000	2.500%	3.244%	$1,186



Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors.
• The initial interest rate is fixed for 5 years. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• Interest rate and APR are variable and subject to increase
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 30-year fixed rate fully amortizing loan for $175,000.
• The interest rate is 3.500%.
• The 360 monthly principal and interest payments are $786. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• The Annual Percentage Rate (APR) is 3.687%.


Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 30-year fixed rate fully amortizing loan.
• The interest rate is 3.500%. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• For a $200,000 loan, there is a 3.684% APR with 360 monthly principal and interest payments of $899.


Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors.
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 30-year fixed rate fully amortizing loan.
• The interest rate is 3.500%. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• For a $300,000 loan, there is a 3.677% APR with 360 monthly principal and interest payments of $1,348.


Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors.
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 30-year fixed rate fully amortizing loan.
• The interest rate is 3.500%. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• For a $400,000 loan, there is a 3.674% APR with 360 monthly principal and interest payments of $1,797.


Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors.
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
• The initial interest rate is 2.500% for 60 months. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• For a $300,000 loan, there is a 3.244% APR with an initial monthly principal and interest payment of $1,186 for the first 60 months.
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.13% as of January 3, 2012) plus a margin of 2.25%.
• The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
• If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment would be $1,953 for $300,000.
• There is no prepayment penalty.
• The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.


Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors.
• The initial interest rate is fixed for 5 years. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• Interest rate and APR are variable and subject to increase
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 30-year fixed rate fully amortizing loan.
• The interest rate is 3.500%. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• For a $250,000 loan, there is a 3.680% APR with 360 monthly principal and interest payments of $1,123.


Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 30-year fixed rate fully amortizing loan.
• The interest rate is 3.875%. The disclosed APR is based on 0 discount points, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• For a $200,000 loan, there is a 3.979% APR with 360 monthly principal and interest payments of $941.


Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 15-year fixed rate fully amortizing loan, assuming a $250,000 loan amount and a 2.875% interest rate.
• This loan has 180 monthly principal and interest payments of $1,712.
• The Annual Percentage Rate (APR) is 3.195%. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.


Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors.
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

LendingTree is confident in our product and our price. We guarantee that we will locate a LendingTree Lender to meet or beat any interest rate, discount points and lender fees offered by a competing lender on a valid refinance Good Faith Estimate for the same loan. If we are unable to provide a better rate and lender fees than what is shown in a valid Good Faith Estimate disclosure for an identical refinance loan program, we’ll gladly pay you $1000.

Program details
LendingTree guarantees that a LendingTree Lender or LendingTree Loans can meet or beat any interest rate, and Adjusted Origination Charges (shown in Box “A” of the GFE) offered by a non-LendingTree Lender (the “Competing Lender”), Such Competing Lender must provide you with a valid 2011 version Good Faith Estimate (a “GFE”) for the same loan product and loan term. Such GFE must also show a lower interest rate and lower Adjusted Origination Charges being charged at closing. This guarantee is only valid for seven (7) days after you submit your loan request with LendingTree or with LendingTree Loans.. The following terms and conditions apply to LendingTree $1000 Best Deal Guarantee offer:

1. Term of Offer – This offer is available only for loan requests submitted to LendingTree or LendingTree Loans through December 31, 2011; however, this offer may be withdrawn or changed without notice, in LendingTree’s sole discretion, at any time prior to your submission of the material required to compare offers (described below).

2. You must have submitted a completed Refinance loan request through LendingTree or LendingTree Loans.

3. You must have been matched with and received an offer from at least one lender on the LendingTree network including LendingTree Loans, the lending arm of LendingTree, LLC (each, a “LendingTree Lender”).

4. The Competing Lender’s GFE must be from a funding lender (not a mortgage broker) and must be dated the same day or later than the date of your LendingTree Lender’s GFE.

5. You must contact the LendingTree Customer Excellence Team at 1-800-913-6702 and provide a copy of the GFE from the Competing Lender within twenty-four (24) hours of receiving such GFE. LendingTree reserves the right to contact the Competing Lender to confirm the legitimacy of the offer. The Competing Lender cannot be a current lender on the LendingTree network nor LendingTree Loans.

6. LendingTree will analyze the GFE to confirm that the Competing Lender's offer meets the above requirements and provides an interest rate and adjusted origination charges that are both lower than the ones shown on the GFE from the LendingTree Lender. If so, within three (3) business days of receiving your request and the competing GFE, LendingTree will attempt to contact LendingTree Lender(s) to determine whether they can meet or beat the Competing Lender’s offer (for the same loan amount, property type, loan product, term, discount point and fee combination) or LendingTree Loans will determine whether it can meet or beat the Competing Lender’s offer.

7. If a LendingTree Lender or LendingTree Loans cannot match or beat the Competing Lender’s offer, then you must close a loan with the same Competing Lender and provide LendingTree with both a copy of the signed Note, and final HUD-1 Settlement Statement showing that the loan’s interest rate and adjusted origination charges (from line 803 of the HUD-1) were both lower than the GFE initially submitted to LendingTree (the “Required Documentation”) The closed loan must be on the same terms and for the same loan product as reflected in the LendingTree Lender’s GFE and you must close the loan within sixty (60) days of requesting the LendingTree $1000 Best Deal Guarantee.

8. If you qualify, LendingTree will send you a check for $1000 approximately 6-8 weeks after submission of the Required Documentation. All Required Documentation, along with a phone number and address where you can be reached, should be sent to LendingTree, LLC, Attn: Best Deal Guarantee, PMB 008 15105-D John J. Delaney Dr., Charlotte, NC 28277.

9. Additional restrictions apply:
a. The Best Deal Guarantee only applies to refinance home loan products, but does not include FHA, or 2nd Trust Deed loan products.
b. The Best Deal Guarantee cannot be combined with any other promotional offer or guarantee.
c. The Best Deal Guarantee is void if you have already locked in your rate with a lender before completing your loan request.

10. Nothing herein is or should be interpreted as an obligation by LendingTree, LendingTree Loans or any of the LendingTree Lenders to make a loan. Loans are offered by LendingTree Lenders and are subject to credit and property approval by each LendingTree Lender independently. Rates and terms are at the sole discretion of the LendingTree Lenders and are subject to change without notice. Hazard and other insurance may be required.

The average savings amount is based on LendingTree customers who were matched with and closed a rate and term refinance loan with LendingTree Loans* between July 30, 2011 and November 30, 2011 with a FICO score between 620 - 699 and a loan amount between $180,000 - $259,999. The monthly savings amount is based on a comparison of monthly payments that include both taxes and insurance. The chart below shows the average savings amount for both monthly and annual loan amounts.

*LendingTree Loans is a wholly owned subsidiary of LendingTree, LLC

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.13% as of January 3, 2012) plus a margin of 2.25%.
• The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
• If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment for each loan amount would be: $976 for $150,000; $2,278 for $350,000; $3,250 for $450,000; $5,056 for $700,000; $5,417 for $750,000; $6,862 for $950,000.
• There is no prepayment penalty.
• The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
• The chart below shows the interest rate, APR, and the initial monthly payments:
  
  Payment Examples

  Loan Amount	Initial Interest Rate (for 60 months)	APR	Initial Monthly Payments (for 60 months)
  $150,000	2.500%	3.257%	$593
  $350,000	2.500%	3.242%	$1,383
  $450,000	3.500%	3.673%	$2,021
  $700,000	3.500%	3.669%	$3,144
  $750,000	3.500%	3.669%	$3,368
  $950,000	3.500%	3.668%	$4,266



Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
• The initial interest rate is fixed for 5 years. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• Interest rate and APR are variable and subject to increase
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.13 as of January 3, 2012) plus a margin of 2.25%.
• The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
• If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment for each loan amount would be: $976 for $150,000; $2,278 for $350,000; $3,250 for $450,000; $5,056 for $700,000; $5,417 for $750,000; $6,862 for $950,000.
• There is no prepayment penalty.
• The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
• The chart below shows the interest rate, APR, and the initial monthly payments:
  
  Payment Examples

  Loan Amount	Initial Interest Rate (for 60 months)	APR	Initial Monthly Payments (for 60 months)
  $150,000	2.500%	3.257%	$593
  $350,000	2.500%	3.242%	$1,383
  $450,000	3.500%	3.673%	$2,021
  $700,000	3.500%	3.669%	$3,144
  $750,000	3.500%	3.669%	$3,368
  $950,000	3.500%	3.668%	$4,266



Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
• The initial interest rate is fixed for 5 years. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• Interest rate and APR are variable and subject to increase
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.13 as of January 3, 2012) plus a margin of 2.25%.
• The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
• If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment for each loan amount would be: $976 for $150,000; $2,278 for $350,000; $3,250 for $450,000; $5,056 for $700,000; $5,417 for $750,000; $6,862 for $950,000.
• There is no prepayment penalty.
• The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
• The chart below shows the interest rate, APR, and the initial monthly payments:
  
  Payment Examples

  Loan Amount	Initial Interest Rate (for 60 months)	APR	Initial Monthly Payments (for 60 months)
  $150,000	2.500%	3.257%	$593
  $350,000	2.500%	3.242%	$1,383
  $450,000	3.500%	3.673%	$2,021
  $700,000	3.500%	3.669%	$3,144
  $750,000	3.500%	3.669%	$3,368
  $950,000	3.500%	3.668%	$4,266



Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
• The initial interest rate is fixed for 5 years. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• Interest rate and APR are variable and subject to increase
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.13 as of January 3, 2012) plus a margin of 2.25%.
• The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
• If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment for each loan amount would be: $976 for $150,000; $2,278 for $350,000; $3,250 for $450,000; $5,056 for $700,000; $5,417 for $750,000; $6,862 for $950,000.
• There is no prepayment penalty.
• The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
• The chart below shows the interest rate, APR, and the initial monthly payments:
  
  Payment Examples

  Loan Amount	Initial Interest Rate (for 60 months)	APR	Initial Monthly Payments (for 60 months)
  $150,000	2.500%	3.257%	$593
  $350,000	2.500%	3.242%	$1,383
  $450,000	3.500%	3.673%	$2,021
  $700,000	3.500%	3.669%	$3,144
  $750,000	3.500%	3.669%	$3,368
  $950,000	3.500%	3.668%	$4,266



Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
• The initial interest rate is fixed for 5 years. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• Interest rate and APR are variable and subject to increase
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.13 as of January 3, 2012) plus a margin of 2.25%.
• The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
• If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment for each loan amount would be: $976 for $150,000; $2,278 for $350,000; $3,250 for $450,000; $5,056 for $700,000; $5,417 for $750,000; $6,862 for $950,000.
• There is no prepayment penalty.
• The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
• The chart below shows the interest rate, APR, and the initial monthly payments:
  
  Payment Examples

  Loan Amount	Initial Interest Rate (for 60 months)	APR	Initial Monthly Payments (for 60 months)
  $150,000	2.500%	3.257%	$593
  $350,000	2.500%	3.242%	$1,383
  $450,000	3.500%	3.673%	$2,021
  $700,000	3.500%	3.669%	$3,144
  $750,000	3.500%	3.669%	$3,368
  $950,000	3.500%	3.668%	$4,266



Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
• The initial interest rate is fixed for 5 years. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• Interest rate and APR are variable and subject to increase
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term.
• After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.13 as of January 3, 2012) plus a margin of 2.25%.
• The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5% above the initial interest rate.
• If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment for each loan amount would be: $976 for $150,000; $2,278 for $350,000; $3,250 for $450,000; $5,056 for $700,000; $5,417 for $750,000; $6,862 for $950,000.
• There is no prepayment penalty.
• The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
• The chart below shows the interest rate, APR, and the initial monthly payments:
  
  Payment Examples

  Loan Amount	Initial Interest Rate (for 60 months)	APR	Initial Monthly Payments (for 60 months)
  $150,000	2.500%	3.257%	$593
  $350,000	2.500%	3.242%	$1,383
  $450,000	3.500%	3.673%	$2,021
  $700,000	3.500%	3.669%	$3,144
  $750,000	3.500%	3.669%	$3,368
  $950,000	3.500%	3.668%	$4,266



Disclosure Assumptions
• Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
• The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
• The initial interest rate is fixed for 5 years. The disclosed APR is based on 1 discount point, 1% origination fee and $500 in additional prepaid finance charges due at closing.
• Interest rate and APR are variable and subject to increase
• Not available in all states.
• Rates are subject to change daily without notice.
• Payment amounts shown do not include taxes or insurance.

The average savings amount is based on LendingTree customers who were matched with and closed a rate and term refinance loan with LendingTree Loans* between November 30, 2010 and November 30, 2011 with a FICO score between 620 - 699 and a loan amount between $180,000 - $259,999. The average monthly savings amount is based on a comparison of monthly payments that include both taxes and insurance.

*LendingTree Loans is a wholly owned subsidiary of LendingTree, LLC

• Veterans;
• Active duty personnel;
• Certain National Guard members and Reservists;
• Surviving spouses of person who were killed in the line of duty or as a result of a service-connected disability;
• Certain spouses of active duty personnel who are (a) missing in action, (b) captured in line of duty by a hostile force, (c) or forcibly detained by a foreign government or power; and
• Certain other qualified members. See more on eligibility at www.benefits.va.gov/homeloans/lp.asp

• No Down Payment and 100% Financing if the sales price does not exceed the appraised value;
• No Private Mortgage Insurance;
• Limits on the amount you can be charged for closing costs;
• No early pre-payment penalty; and
• The maximum guaranty amount (for loans over $144,000) is 25% of the 2012 VA Loan Limits shown at www.benefits.va.gov/homeloans/loan_limits.asp