MASTER BROKER AGREEMENT

The Company provides a technology platform (1smtg.com) to assist mortgage brokers in managing loan operations, communication, and workflows.

The Company is not a lender, broker, or underwriter.

Broker is an independent business and is not an employee, partner, or agent of the Company.

Broker is solely responsible for:

Licensing

Compliance

Business operations

Broker is solely responsible for:

Loan structuring and submissions

Compliance with all federal and state laws (RESPA, ECOA, TILA, etc.)

Accuracy of all loan data and documentation

All borrower communications

Obtaining required disclosures and consents

Broker agrees:

Loans must follow Company workflow through 1smtg.com

Broker may not bypass internal process where required

Rate locks and submissions must follow approved procedures

Platform subscription and usage fees apply

Add-ons billed separately

All fees are non-refundable once service begins

Broker owns their client data

Company owns platform, workflows, and system infrastructure

Broker agrees:

All loan activity must be handled within the platform

No unauthorized data extraction or misuse

Broker is responsible for:

TCPA compliance (calls, SMS, AI communication)

Marketing compliance (CAN-SPAM, advertising laws)

Recording disclosures where required

Broker agrees:

All loan-related risk remains with Broker

Broker is solely responsible for:

Repurchase demands

Regulatory penalties

Investor or lender disputes

Broker acknowledges:

Third-party services (credit, telecom, AI, etc.) may be used

Company does not guarantee third-party performance

Broker is responsible for associated costs and compliance

Broker agrees to indemnify and hold harmless the Company from:

Any loan-related claims

Regulatory violations

Misuse of the platform

Communication or marketing violations

Month-to-month agreement

30-day cancellation notice

Company may terminate immediately for:

Non-payment

Compliance risk

Misuse or fraud

To the maximum extent permitted by law:

Services are provided "as-is"

The Company is not liable for:

Financial loss

Business interruption

Regulatory penalties

Third-party failures

Total liability is limited to fees paid in the previous 30 days.

This Agreement is governed by the laws of the State of Texas.

Jurisdiction: Fort Bend County, Texas.

By using the platform, Broker acknowledges that they have read, understand, and agree to the terms and conditions outlined in this Agreement.