This is to give you notice that Dickson Realty, Inc. ("Dickson Realty") has a business relationship with PINNACLE MORTGAGE, Inc. ("PINNACLE MORTGAGE") in that Dickson Realty and PINNACLE MORTGAGE share a common director on their respective Boards of Directors. Because of this relationship, this referral may provide Dickson Realty a financial or other benefit.

Set forth below is the estimated charge or range of charges for the settlement services listed. You are NOT required to use the listed provider(s) as a condition for settlement of your loan on or purchase, sale, or refinance of the subject property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.

Provider and Settlement Services		Charge or Range of Charges
PINNACLE MORTGAGE, Inc. a mortgage lender and mortgage broker		PINNACLE MORTGAGE, Inc. offers loans with varying interest rates and associated points ranging from 0% to 4%, and closing costs estimated at $600 to $980. You will receive from PINNACLE MORTGAGE a Good Faith Estimate of the closing costs for the loan product you select. In some instances, PINNACLE MORTGAGE may act as a mortgage broker, for compensation ranging from $500 to $4,000.

ACKNOWLEDGMENT

I/we have read this disclosure form, and understand that Dickson Realty is referring me/us to PINNACLE MORTGAGE for the above-described settlement service(s) and may receive a financial or other benefit as the result of this referral.

Definitions of Terms

"Dickson Realty" means Dickson Realty, the Internet real estate service operated by Dickson Realty, Inc., a Nevada corporation.

"Agent" or "Real Estate Agent" means a real estate broker, salesperson, agent, associate broker, or similar state licensed real estate professional.

"Buyer" or "Home Buyer" means a person who is buying or considering purchasing a property.

"Seller" or "Home Seller" means a person who is selling or considering the sale of a property.

"Client" is a User that has completed the registration process and has agreed to these Terms of Use.

"Prospective Purchaser or Seller" is an individual that articulated an immediate and genuine interest in the sale or purchase of real property.

"User" means a person who is either a Buyer or a Seller who accesses the Website and otherwise utilizes the services of Dickson Realty.

"Website" means the Dickson Realty Internet website currently located at the URL address www.DicksonRealty.com.

Terms of Use

1. The User must be a prospective purchaser or seller of real property in the geographic areas where Dickson Realty is licensed and operating.

1. The User must (a) provide true, accurate, and current information; (b) Maintain and update this information and ensure that it remains true, accurate, and current. By registering, the User consents to receive personalized emails, telephone calls and/or faxes from Dickson Realty.
2. To register as a Client, the User must be eighteen (18) years of age or older.
3. Any User that holds any type of real estate license, including, but not limited to a brokers, associate brokers or salespersons license must immediately advise Dickson Realty by telephone, facsimile, e-mail or chat before that User may access any password protected material including house listing data or other data compilations. Dickson Realty reserves the right to deny or terminate access to any Real Estate Agent at its discretion.
4. All home data provided is for the sole and private use of the Client and not available for distribution. The Client may not sell or use the website data for any purpose, other than the purpose of attempting to evaluate houses or properties for sale or purchase.
5. The Client must provide their own access to the World Wide Web ("www") and pay any fees associated with such access.
6. Client represents and warrants that he/she has not signed any agreement with a real estate agent or agency that would prevent the client from using Dickson Realty as his or her sole and exclusive agent. Client does not have a contract or agreement with another real estate agent or agency such as a listing agreement or a buyer broker agreement.
7. Client agrees to limit their online search to houses or properties within their anticipated purchase ability or price range and to the properties that meet their other criteria.
8. Client agrees that he or she will not contact the owner/seller of any property from information gained through the website. The Client will not attempt to enter the property or speak with an owner/seller without an appointment set by Dickson Realty.
9. Client agrees to abide by all copyright restrictions placed on the content of the Dickson Realty site including, but not limited to, any material or data compilations where Dickson Realty, Inc. or others hold the copyright.
10. The Client agrees that Broker may also represent other prospective buyers seeking to purchase properties that may meet Client's criteria.
11. To the fullest extent permitted by law, the service is provided "as is," without warranty or representation of any kind, either express or implied, as to (1) the operation of the Website, (2) the information, data, services, or products provided through or in connection with this service or (3) the ability, quality or reliability of any third party service provider accessed through or in conjunction with the use of this service.
12. Dickson Realty disclaims any and all warranties, including, but not limited to: (1) any warranties concerning the availability, accuracy, usefulness, or content of or uninterrupted access to information, products or services and (2) any warranties of title, non-infringement, merchantability or fitness for a particular purpose. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft, or destruction or unauthorized access or, alteration of or use of record in connection with the use or operation of this service, whether for breach of contract, tortuous behavior, negligence or any other cause of action.
13. Client authorizes Dickson Realty to review and provide copies of various documents in the transaction to the Client. This includes, but is not limited to home inspection reports and closing papers.
14. Neither Dickson Realty nor any of its officers, directors, investors, employees, contractors, agents, successors, assigns, affiliates, or content or service providers shall be liable to Client, User or any other third party for any direct, indirect, incidental, special, punitive or consequential damages arising out of the use of this service or inability to gain access to or use this service or out of any breach of any warranty, even if Dickson Realty has been advised of the possibility of such damages;
15. Some states do not allow the exclusion or limitation of liability for damages. Therefore, the above limitations may not apply to you. In such states, the respective liability of Dickson Realty, its officers, directors, investors, employees, contractors, agents, successors, assigns and affiliates is limited to the greatest extent permitted by such states' laws;
16. Client agrees to immediately notify Dickson Realty in the event that the Client enters into agreement with another broker.
17. Dickson Realty reserves the right to terminate User and/or Client access to the Website and/or cease doing business with any person who uses profanity, obscenity, vulgarity or offensive, threatening, unlawful, harmful, harassing, tortuous, defamatory, libelous, invasive, hateful, abusive or otherwise objectionable language, behavior or conduct in any manner towards any Dickson Realty employee, agent, contractor or customer, on the Website, in emails, in telephone conversations or messages, in writing, or in person. Additionally, Dickson Realty reserves the right to refuse to do business with any person in Dickson Realty's discretion, consistent with local, state and federal fair housing and other laws.
18. By agreeing to these Terms of Use, User acknowledges that they have read the Dickson Realty Privacy Policy and agree with its terms.