Terms and Conditions of Use

ONLINE AGREEMENTS

THIS DOCUMENT CONTAINS THREE DIFFERENT AGREEMENTS, ONLY ONE OF WHICH WILL APPLY

TO YOU:

I. Client Online Program User Terms and Conditions (Receiving counseling or

education)

II. Facilitator Online Program User Terms and Conditions (Organizations or

individuals referring Clients to Administrator for Services)

III. Monitor Online Program User Terms and Conditions (specific authorized

trustees, administrators and court personnel acting in their official capacity).

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Client Online Program User Terms and Conditions

IMPORTANT-READ CAREFULLY: By accepting the terms and conditions set forth in

this Agreement (Agreement), you are agreeing to enter into a legal agreement

between yourself, an individual (User or You), the Institute for Financial

Literacy (Administrator), and the manufacturer of this software (Manufacturer)

for use of this product ("SOFTWARE"). The SOFTWARE includes Manufacturer's

computer software, and may include associated media, printed materials, "online"

or electronic documentation, and Internet based services. Note, however, that

any software, documentation, or web services that are included in the SOFTWARE,

or accessible via the SOFTWARE, and are accompanied by their own license

agreements or terms of use are governed by such agreements rather than this

Agreement. This Agreement may be modified by Manufacturer at any time, with or

without notice, without restriction.

By downloading, accessing or otherwise using the SOFTWARE, you agree to be bound

by the terms of this Agreement. If you do not agree to the terms of this

Agreement, you may not use the SOFTWARE, and you should promptly contact

Administrator for instructions.

A. CLIENT DISCLOSURES.

1. GENERAL. The Executive Office of the United States Trustees (UST) and the

Bankruptcy Administrators (BA) require the Institute for Financial Literacy

(Administrator) to disclose certain information to our clients (You or User)

about how we operate and how we are funded. If you have any questions about any

of these disclosures, please contact us at 1-866-662-4932 (toll free).

1.1 FUNDING SOURCES. Administrator is a Non-Profit, 501(c)(3) tax-exempt

organization. Administrator is funded through (1) program service fees, such as

those you are paying for counseling and/or education; (2) private donations from

individuals; (3) donations from corporations; and (4) grants by public and

private institutions.

1.2 COUNSELOR QUALIFICATIONS. Counselors employed by the Administrator are

trained by Administrator in the materials presented and in the National

Standards for Adult Financial Literacy. Initial training lasts approximately six

(6) months and includes, but is not limited to, successfully completing all

educational and counseling programs provided by Administrator to Users.

Additional training is conducted on a monthly basis to ensure You receive the

highest quality of service. Counselors employed by Administrator may be

certified by one or more independent bodies offering such certifications,

however certification by such an independent body is not a requirement of

employment by Administrator. If You have a question about the certification of a

particular Counselor you are working with, please ask that counselor for that

information, or ask to speak with a supervisor.

1.3 POSSIBLE IMPACT ON CREDIT REPORTS. Administrator does not provide any

services which can directly impact Your credit report, either positively or

negatively. Administrator will provide You with information about Your options

for dealing with Your creditors. Any of these options, if exercised by You, may

have a significant impact on your credit report, either positive or negative.

Administrator has made a good faith attempt to provide you with unbiased,

neutral information explaining the likely impact that exercising particular

options would have on your credit report, however Administrator makes no

promises, guarantees or warranties, express or implied, as to the information it

provides, or to the effects or impacts of any described options that may be

exercised by You.

1.3.1 WAIVER OF LIABILITY. You agree to waive any and all liability on the part

of Administrator, to the extent permissible by law, for any and all actions

TAKEN BY YOU as a result of the information provided to you by Administrator,

including any consequences thereof, whether foreseeable or not foreseeable. You

are NOT WAIVING liability on the part of Administrator for actions TAKEN BY

ADMINISTRATOR. This waiver also has NO EFFECT on Your rights as set forth in 11

U.S.C. Sec. 111(g) (the United States Bankruptcy Code), which requires that A

nonprofit budget and credit counseling agency [such as Administrator] that

willfully or negligently fails to comply with any requirement under [the

Bankruptcy Code] with respect to a debtor shall be liable for damages in an

amount equal to the sum of (A) any actual damages sustained by the debtor as a

result of the violation; and (B) any court costs or reasonable attorneys fees

(as determined by the court) incurred in an action to recover those damages.

1.4 COSTS OF SERVICES. The following price schedule represents the only possible

charges that you will incur from Administrator for counseling and education. If

ANY INDIVIDUAL OR ORGANIZATION, whether or not such individual or organization

is an employee or representative of Administrator, seeks payment for the

Administrators services which are not included on the fee schedule below, which

are greater than the amounts set forth on the fee schedule below, or for which

you have already paid, please contact Administrator IMMEDIATELY at 207-879-0389

or 1-866-662-4932 (toll free) and request to speak with the Director of

Operations.

1.4.1 FEE SCHEDULE.

Description of Service Fee Single User Credit Counseling $50.00 Financial

Education Program $50.00 Joint (User and spouse) Credit Counseling $50.00 Post

Filing, Pre-Discharge Education $50.00 Additional Textbook (only if requested by

client) $15.00 Additional S&H for additional Textbook $ 5.00

1.5 HOW FEES/COSTS ARE TO BE PAID. You are solely responsible for the payment of

these fees, except as otherwise required under 11 U.S.C. Sec. 111(c)and (d) (the

United States Bankruptcy Code), which requires that if a fee is charged for

counseling services [or the instructional course], [Administrator must] charge a

reasonable fee, and provide services without regard to ability to pay the fee.

If You have placed payment for Administrators services in the custody of a

Facilitator prior to requesting Administrators services, You authorize us to

collect those funds directly from that Facilitator.

1.6 REFUND/RETURN OF PAYMENT. In the event You are not satisfied with the

program for any reason within 90 days of registration, You may request, in

writing, a full refund of any fees paid. The written request should be mailed

to:

Institute for Financial Literacy

ATTN: CLIENT REFUNDS

PO Box 1842

Portland, ME 04104-1842

1.7 OTHER DISCLOSURES. Administrator does not take, request nor accept funds or

money belonging to User, or owed to Users creditors, under any circumstances. If

any employee or representative of Administrator attempts to collect such funds,

contact the Administrator IMMEDIATELY at 207-879-0389 or 1-866-662-4932 (toll

free) and request to speak with the Director of Operations.

CLIENT END USER AGREEMENT

A. INTENDED PURPOSE. The purpose of this agreement, SOFTWARE and any written

materials provided by Administrator is to provide one or more of the following

services to You, at your option: (1) credit counseling through the Internet, (2)

a certificate of completion for credit counseling, (3) a personal financial

management instructional course as required by the United States Bankruptcy Code

(11 U.S.C. 109(h), 11 U.S.C. 111, 11 U.S.C. 727 and 11 U.S.C. 1328), and/or (4)

a certificate of completion for a personal financial management instructional

course.

B. PAYMENT. You are solely responsible for the payment of these fees, except as

otherwise required under 11 U.S.C. Sec. 111(c) and (d) (the United States

Bankruptcy Code), which requires that if a fee is charged for counseling

services [or the instructional course], [Administrator must] charge a reasonable

fee, and provide services without regard to ability to pay the fee. If You have

placed payment for Administrators services in the custody of a Facilitator prior

to requesting Administrators services, You authorize us to collect those funds

directly from that Facilitator.

C. DEFINITIONS.

1. Administrator, when used in this Agreement, refers to the Institute for

Financial Literacy.

2. Facilitator, when used in this Agreement, refers to an entity or individual

that refers You for services through an online web portal. This Facilitator may

or may not collect the Administrators fee, hold it in trust and remit it to

Administrator upon request. If the Facilitator collects the Administrators fee

and holds it in trust, the Facilitator may not charge You more than the

Administrators published fees, and the Administrator may neither pay nor receive

a referral fee to that Facilitator or any other individual or organization.

3. You, Your, Client and User, when used in this Agreement, all refer to you,

the individual who is seeking credit counseling and/or educational services

through this program.

4. Program, when used in this Agreement, refers to the online computer program

as well as all content and written materials provided to You, or some portion

thereof.

D. GRANT OF LICENSE BY ADMINISTRATOR

5. GRANT OF LICENSE BY ADMINISTRATOR. Administrator grants you the following

rights, provided you comply with all of the terms and conditions of this

Software Product License, or End User License Agreement (EULA):

5.1 USE. Except as otherwise expressly provided in this EULA, you may use,

access, display and run this program and its components via the internet for

only the intended purpose. You may also use any written materials provided to

you by Administrator for only the intended purpose. Any written materials may

not be copied, reproduced or distributed to third parties without the written

consent of Administrator.

5.2 CONSENT TO COLLECTION, USE AND DISCLOSURE OF PERSONAL DATA. You agree that

Administrator may collect, use and disclose information as described below. Such

information may be gathered by the SOFTWARE or as part of the customer support

services provided to you and related to the SOFTWARE, if any.

(a) Facilitator. If You were referred for Administrators services through a

Facilitator, You hereby authorize us to disclose the following information to

that Facilitator: Your Name, Your Address, Your Phone Number, Your Fax Number,

Your Email address and other contact information that You may provide to us. You

also authorize us to disclose to that Facilitator budget information You have

submitted to Administrator, copies of Your certificates of completion issued by

Administrator, and whether or not You have completed the services for which you

were referred by Facilitator.

(b) Executive Office of the United States Trustee or Bankruptcy Administrator.

If you decide to file a bankruptcy petition, You hereby authorize us to disclose

to the following information to the Executive Office of the United States

Trustee or Bankruptcy Administrator upon their request: Your Name, Your Address,

Your Phone Number, Your Fax Number, Your Email address and other contact

information that You may provide to us. You also authorize us to disclose copies

of Your certificates of completion issued by Administrator, and whether or not

You have completed the services for which you engaged Administrator.

You hereby authorize us to disclose to the following information to the standing

bankruptcy trustee upon their request: Your Name, Your Address, Your Phone

Number, Your Fax Number, Your Email address and other contact information that

You may provide to us. You also authorize us to disclose copies of Your

certificates of completion issued by Administrator, and whether or not You have

completed the services for which you engaged Administrator.

(d) Bankruptcy Courts. If you decide to file a bankruptcy petition, You hereby

authorize us to disclose to the following information to the bankruptcy courts

upon their request: Your Name, Your Address, Your Phone Number, Your Fax Number,

Your Email address and other contact information that You may provide to us. You

also authorize us to disclose copies of Your certificates of completion issued

by Administrator, and whether or not You have completed the services for which

you engaged Administrator.

(e) authorized members of the respective staff(s) of the above parties, in

accordance with the limitations set forth above; and

(f) any other individuals or entities as may be required by statute, court order

or governmental regulation.

This information shall not be provided or sold to parties not disclosed above

without Your express written consent. If You believe Your information has been

provided or sold to parties not disclosed above, please contact Administrator

IMMEDIATELY at 207-879-0389 or 1-866-662-4932 (toll free) and request to speak

with the Director of Operations.

5.3 CONSENT TO COLLECTION, USE AND DISCLOSURE OF DEMOGRAPHIC AND STATISTICAL

DATA. You agree that Administrator may collect, use and disclose demographic,

statistical and assessment information, gathered in any manner by the SOFTWARE

or as part of the customer support services provided to You and related to the

SOFTWARE, if any, to any third party for the purposes of research and analysis,

but not in any form that personally identifies You. You also agree that such

information may be published, but not in any form that personally identifies

You.

5.4 DISCONTINUED SERVICES. Administrator reserves the right to discontinue the

use of SOFTWARE and any Internet-based services provided to You or made

available to You if You violate the terms and conditions of this Agreement.

5.5 LIMITATIONS ON REVERSE ENGINEERING, DECOMPILATION AND DISASSEMBLY. You may

not reverse engineer, decompile, or disassemble the SOFTWARE, except and only to

the extent that such activity is expressly permitted by applicable law

notwithstanding this limitation.

5.6 TERMINATION. Without prejudice to any other rights, You may cancel this EULA

at any time with written notice to Administrator. In such event, You will be

denied access to the SOFTWARE. Such written notice must be sent to

Institute for Financial Literacy

ATTN: EULA TERMINATION

PO Box 1842

Portland, ME 04104-1842

5.7 TRADEMARKS. This EULA does not grant you any rights in connection with any

trademarks or service marks of Administrator or its suppliers.

5.8 INTELLECTUAL PROPERTY RIGHTS. All title and intellectual property rights in

and to the SOFTWARE CONTENT (including but not limited to any images,

photographs, animations, video, audio, music, and text, incorporated into the

SOFTWARE), the accompanying printed materials, and any copies thereof, are owned

by Administrator or its suppliers. The SOFTWARE CONTENT is licensed, not sold.

All title and intellectual property rights in and to the content that is not

contained in the SOFTWARE, but which may be accessed through use of the SOFTWARE

is the property of the respective content owner and may be protected by

applicable copyright or other intellectual property laws and treaties. Use of

any on-line services which may be accessed through the SOFTWARE may be governed

by the respective terms of use relating to such services.

5.9 PRODUCT SUPPORT. Support for the SOFTWARE and SOFTWARE CONTENT is provided

by Administrator.

5.10 U.S. GOVERNMENT LICENSE RIGHTS. All SOFTWARE and SOFTWARE CONTENT provided

to the U.S. Government pursuant to solicitations issued on or after December 1,

1995 is provided with the commercial rights and restrictions described elsewhere

herein.

5.11 ADMINISTRATORS DISCLAIMERS, LIMITATION OF DAMAGES, AND SPECIAL PROVISIONS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SOFTWARE AND ANY

TECHNICAL SUPPORT SERVICES (IF ANY) RELATED TO THE SOFTWARE ARE PROVIDED AS IS

AND WITH ALL FAULTS. ALL OTHER DISCLAIMERS, LIMITATION OF DAMAGES, AND SPECIAL

PROVISIONS PROVIDED BELOW SHALL APPLY. SUCH LIMITED WARRANTIES, LIMITATION OF

LIABILITY AND SPECIAL PROVISIONS ARE AN INTEGRAL PART OF THIS EULA.

5.11.1 WARRANTY AND SPECIAL PROVISIONS FOR THE UNITED STATES OF AMERICA AND ANY

OTHER COUNTRY

LIMITED WARRANTY

5.11.2 LIMITED WARRANTY. Administrator warrants that the SOFTWARE and SOFTWARE

CONTENT will perform substantially in accordance with its stated purpose.

5.11.3 CUSTOMER REMEDIES AGAINST ADMINISTRATOR. You agree to waive any and all

liability on the part of Administrator, to the extent permissible by law, for

any and all actions TAKEN BY YOU as a result of the information provided to you

by Administrator, including any consequences thereof, whether foreseeable or not

foreseeable. You are NOT WAIVING liability on the part of Administrator for

actions TAKEN BY ADMINISTRATOR. This waiver also has NO EFFECT on Your rights as

set forth in 11 U.S.C. Sec. 111(g) (the United States Bankruptcy Code), which

requires that A nonprofit budget and credit counseling agency [such as

Administrator] that willfully or negligently fails to comply with any

requirement under [the Bankruptcy Code] with respect to a debtor shall be liable

for damages in an amount equal to the sum of (A) any actual damages sustained by

the debtor as a result of the violation; and (B) any court costs or reasonable

attorneys fees (as determined by the court) incurred in an action to recover

those damages.

5.11.4 CUSTOMER REMEDIES AGAINST ADMINISTRATORS SUPPLIERS. Administrator's

suppliers' entire liability and your exclusive remedy against such suppliers

shall be, at supplier's option, either (a) return of the price paid, or (b)

repair or replacement of the SOFTWARE or SOFTWARE CONTENT that does not meet

this Limited Warranty and which is documented to Administrator and/or its

suppliers. This Limited Warranty is void if failure of the SOFTWARE or SOFTWARE

CONTENT has resulted from accident, abuse, or misapplication. Any replacement

SOFTWARE or SOFTWARE CONTENT will be warranted for the remainder of the original

warranty period or thirty (30) days, whichever is longer.

5.11.5 NO OTHER WARRANTIES BY ADMINISTRATORS SUPPLIERS. To the maximum extent

permitted by applicable law, Administrators suppliers disclaim all other

warranties, either express or implied, including, but not limited to implied

warranties of merchantability and fitness for a particular purpose, with regard

to the SOFTWARE, SOFTWARE CONTENT, and the accompanying written materials (if

any). This limited warranty gives you specific legal rights. You may have others

which vary from state/jurisdiction to state/jurisdiction.

5.11.6 NO LIABILITY FOR CONSEQUENTIAL DAMAGES AGAINST ADMINISTRATORS SUPPLIERS.

To the maximum extent permitted by applicable law, in no event shall

Administrators suppliers be liable for any damages whatsoever (including without

limitation, special, incidental, consequential, or indirect damages for personal

injury, loss of business profits, business interruption, loss of business

information, or any other pecuniary loss) arising out of the use of or inability

to use this product, even if Administrators suppliers have been advised of the

possibility of such damages. In any case, Administrator's suppliers' entire

liability under any provision of this agreement shall be limited to the amount

actually paid by you for use of the SOFTWARE, SOFTWARE CONTENT, and any

accompanying written materials. Because some states/jurisdictions do not allow

the exclusion or limitation of liability for consequential or incidental

damages, the above limitation may not apply to you.

5.11.7 CHOICE OF LAW. If you acquired the SOFTWARE in the United States of

America, this Software License Agreement and Warranty are governed by

the laws of the State of Maine, U.S.A. If you acquired the SOFTWARE outside the

United States of America, local law may apply.

E. SOFTWARE PRODUCT LICENSE

6. GRANT OF LICENSE BY MANUFACTURER. Manufacturer grants You the following

rights, provided You comply with all of the terms and conditions of this

Software Product License, or End User License Agreement (EULA):

6.1 USE. Except as otherwise expressly provided in this EULA, you may use,

access, display and run this program and its components via the internet for the

intended purpose only.

6.2 CONSENT TO COLLECTION AND USE OF TECHNICAL DATA. You agree that Manufacturer

and its affiliates may collect and use technical information gathered in any

manner by the SOFTWARE or as part of the product support services provided to

you, if any, related to the SOFTWARE. Manufacturer and its affiliates may use

this information solely to improve their products, and will not include any

personal identifying information. Any technical information so collected will

not be distributed to non-affiliate third parties.

6.3 DISCONTINUED SERVICES. Manufacturer reserves the right to discontinue the

use of SOFTWARE and any Internet-based services provided to you or made

available to you.

6.4 LIMITATIONS ON REVERSE ENGINEERING, DECOMPILATION AND DISASSEMBLY. You may

not reverse engineer, decompile, or disassemble the SOFTWARE, except and only to

the extent that such activity is expressly permitted by applicable law

notwithstanding this limitation.

6.5 TERMINATION. Without prejudice to any other rights, Manufacturer may cancel

this EULA if you do not abide by the terms and conditions contained herein. In

such event, you will be denied access to the SOFTWARE.

6.6 TRADEMARKS. This EULA does not grant you any rights in connection with any

trademarks or service marks of Manufacturer or its suppliers.

6.7 INTELLECTUAL PROPERTY RIGHTS. All title and intellectual property rights in

and to the SOFTWARE (including but not limited to any images, photographs,

animations, video, audio, music, text and "applets," incorporated into the

SOFTWARE), the accompanying printed materials, and any copies of the SOFTWARE,

are owned by Manufacturer or its suppliers. The SOFTWARE is licensed, not sold.

All title and intellectual property rights in and to the content contained in

the SOFTWARE, is the property of the respective content owner and may be

protected by applicable copyright or other intellectual property laws and

treaties. Use of any on-line services which may be accessed through the SOFTWARE

may be governed by the respective terms of use relating to such services. If

this SOFTWARE contains documentation that is provided only in electronic form,

you may print one copy of such electronic documentation.

6.8 PRODUCT SUPPORT. SOFTWARE support for the SOFTWARE is not provided by

Manufacturer or its affiliates. For product support, please contact

Administrator.

6.9 MANUFACTURERS DISCLAIMERS, LIMITATION OF DAMAGES, AND SPECIAL PROVISIONS. TO

THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SOFTWARE AND ANY SUPPORT

SERVICES (IF ANY) RELATED TO THE SOFTWARE ARE PROVIDED AS IS AND WITH ALL

FAULTS. ALL OTHER DISCLAIMERS, LIMITATION OF DAMAGES, AND SPECIAL PROVISIONS

PROVIDED BELOW SHALL APPLY. SUCH LIMITED WARRANTIES, LIMITATION OF LIABILITY AND

SPECIAL PROVISIONS ARE AN INTEGRAL PART OF THIS EULA.

6.10.1 WARRANTY AND SPECIAL PROVISIONS FOR THE UNITED STATES OF AMERICA AND ANY

OTHER COUNTRY

LIMITED WARRANTY

6.10.2 LIMITED WARRANTY. Manufacturer warrants that the SOFTWARE will perform

substantially in accordance with its stated purpose for a period of ninety (90)

days from the date of receipt. Any implied warranties on the SOFTWARE are

limited to ninety (90) days. Some states/jurisdictions do not allow limitations

on duration of an implied warranty, so the above limitation may not apply to

you.

6.10.3 CUSTOMER REMEDIES. Manufacturer's and its suppliers' entire liability and

your exclusive remedy shall be, at Manufacturer's option, either (a) return of

the price paid, or (b) repair or replacement of the SOFTWARE that does not meet

this Limited Warranty and which is documented to Manufacturer. This Limited

Warranty is void if failure of the SOFTWARE has resulted from accident, abuse,

or misapplication. Any replacement SOFTWARE will be warranted for the remainder

of the original warranty period or thirty (30) days, whichever is longer.

6.10.4 NO OTHER WARRANTIES. To the maximum extent permitted by applicable law,

Manufacturer and its suppliers disclaim all other warranties, either express or

implied, including, but not limited to implied warranties of merchantability and

fitness for a particular purpose, with regard to the SOFTWARE, the accompanying

written materials (if any). This limited warranty gives you specific legal

rights. You may have others which vary from state/jurisdiction to

state/jurisdiction.

6.10.5 NO LIABILITY FOR CONSEQUENTIAL DAMAGES. To the maximum extent permitted

by applicable law, in no event shall Manufacturer or its suppliers be liable for

any damages whatsoever (including without limitation, special, incidental,

consequential, or indirect damages for personal injury, loss of business

profits, business interruption, loss of business information, or any other

pecuniary loss) arising out of the use of or inability to use this product, even

if Manufacturer has been advised of the possibility of such damages. In any

case, Manufacturer's and its suppliers' entire liability under any provision of

this agreement shall be limited to the amount actually paid by you for use of

the SOFTWARE. Because some states/jurisdictions do not allow the exclusion or

limitation of liability for consequential or incidental damages, the above

limitation may not apply to you.

6.10.6 CHOICE OF LAW. If you acquired the SOFTWARE in the United States of

America, this Software License Agreement and Warranty are governed by the laws

of the State of Maine, U.S.A. If you acquired the SOFTWARE outside the United

States of America, local law may apply.

[End Client Online Program User Terms and Conditions]

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Facilitator Online Program User Terms and Conditions

IMPORTANT-READ CAREFULLY: By accepting the terms and conditions set forth in

this Agreement (Agreement), you are agreeing to enter into a legal agreement

between yourself, a Facilitator (User or You), the Institute for Financial