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The Financial Web, Inc., as a member of the National Association of Mortgage Brokers, observes the following Code of Ethics and Best Business Practices.

Code of Ethics

The members of the National Association of Mortgage Brokers, believing that the interests of the public and private sector are best served through the voluntary observance of ethical standards of practice, hereby subscribe to the following Cod of Ethics.

Honesty & Integrity

NAMB members shall conduct business in a manner reflecting honesty, honor, and integrity.

Professional Conduct

NAMB members shall conduct their business activities in a professional manner.

Honesty in Advertising

NAMB members shall endeavor to be accurate in all advertisements and solicitations.

Confidentiality

NAMB members shall avoid unauthorized disclosure of confidential information.

Compliance with Law

NAMB members shall conduct their business in compliance with all applicable laws and regulations.

Discolsure of Financial Interests

NAMB members shall disclose any equity or financial interest they may have in the collateral being offered to secure a loan.

Best Business Practices

I, j. Christopher Webb, a member of the National Association of Mortgage Brokers, and President of The Financial Web, Inc., a properly licensed/authorized entity, adheres to the Code of Ethics of NAMB and of my affiliated state association. Furthermore, as a requirement of NAMB membership, I hereby subscribe The Financial Web, Inc. and its employees to the following "Best Business Practices Guidelines." We will…

• Disclose accurate information in all solicitations and advertising;
• Discus and explain financing program options;
• Inform you, in writing, of lock-in options;
• Explain all documents of the loan application;
• Explain all associated costs of the loan application;
• Explain the disbursement of all loan applications;
• Explain the loan process, from application to closing;
• Charge only those fees which are disclosed or re-disclosed on your good faith estimate;
• Charge rates and fees that do not vary based on race, color, religion, natural origin, gender, marital status, age, receipt of income from public assistance programs, or good faith exercise of rights under consumer finance laws;
• Communicate with you throughout the loan process in a timely manner; 

Commit to be your financing resource before, during, and after your transaction.

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