The following is the Terms and Conditions of A-BC Loans Inc, DBA First Plus Financial. In this document the words we, us, our and ours refer to A-BC Loans Inc, DBA First Plus Financial. The words you, your, or yours refer to each individual who is one of our customers, former customers, and/or other individuals who obtain or wishes to request a loan or other financial product or service from us.

Please read this entire agreement carefully before accessing or using this website(Site). By accessing or using the Site, you agree to be bound by this agreement. A-BC Loans Inc, DBA First Plus Financial provides the information and services on this site to you, the user, conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of this site constitutes your agreement to all such terms, conditions and notices.

The information and services offered on this site are provided with the understanding that A-BC Loans Inc, DBA First Plus Financial is not engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site.

A-BC Loans Inc, DBA First Plus Financial Mortgage and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, services or other material on this Site. While A-BC Loans Inc, DBA First Plus Financial Mortgage and its suppliers, strive to keep the information on this Site accurate, complete and up-to-date, A-BC Loans Inc, DBA First Plus Financial Mortgage, and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.

PERSONAL AND NONCOMMERCIAL USE LIMITATION: PROHIBITED USES

You may access, download and print materials on this Site for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site. The foregoing prohibition expressly includes, but is not limited to, the practices of "screen scraping" or "database scraping" to obtain lists of users or other information. If and when requested by A-BC Loans Inc, DBA First Plus Financial Mortgage, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of A-BC Loans Inc, DBA First Plus Financial Mortgage, you agree to refrain from accessing or attempting to access password protected, secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site may be subject to prosecution.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this Site, you warrant to A-BC Loans Inc, DBA First Plus Financial Mortgage, that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. If you violate any of these terms, your permission to use the Site automatically terminates.

LIABILITY DISCLAIMER

You use this Site at your own risk. If your use of this Site or the materials therein results in the need for servicing or replacing property, material, equipment or data, A-BC Loans Inc, DBA First Plus Financial Mortgage, is not responsible for those costs.

The information, software, products, and services published on this site may include inaccuracies or typographical errors. Changes are periodically added to the information herein. A-BC Loans Inc, DBA First Plus Financial Mortgage may without prior notice make improvements and/or changes in this site including but not limited to the information, services, products or other material at any time. All information, products, and services are provided “as is” without warranty of any kind. In no event shall A-BC Loans Inc, DBA First Plus Financial Mortgage be liable for any direct, indirect, special or consequential damages arising our of or in any way connected with the use of this site, or for any information, products, material and/or service obtained through this site, whether, based on contract, tort, strict liability or otherwise.

CHANGES TO AGREEMENT

A-BC Loans Inc, DBA First Plus Financial Mortgage may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the Agreement periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.

MISCELLANEOUS

This website is applicable to and should only be used by persons 18 years of age or older located within the United States of America. Access and use of this website by persons under the age of 18 or from locations other than the United States is prohibited.

Terms For The Guarantee:

A-BC Loans Inc, DBA First Plus Financial guarantees that we will beat any written, approved deal or we will pay you $500!

You will need to Submit a competing offer from a Mortgage Broker in the form of a Good Faith Estimate dated within 24 hours of the date that you present the competing offer to A-BC Loans Inc, DBA First Plus Financial. The offer must show the loan amount, interest rate, margin, caps, term, origination and discount points, and all Lender, Broker and third party fees.

A-BC Loans Inc, DBA First Plus Financial will run your credit, pre-qualify your application and make an offer to you. If we beat the Brokers offer, you must lock your rate with A-BC Loans Inc, DBA First Plus Financial Lending and put your application into process. If we cant beat their deal, then you may close your loan with your Mortgage Broker. Please submit a copy of the Hud-1 Settlement Statement and the note to us. If you closed according to the terms quoted in the competing offer, we will send a check to you for $500 within 30 days. Please refer to the list of conditions in order to qualify for this guarantee.

1. The Offer applies only for Applicants with a FICO Score of 500 to 600
2. The Subject Property must be located in the State Of California
3. The competing offer must come from a California Mortgage Broker
4. The competing offer must be dated within 24 hours of date of submission to A-BC Loans Inc, DBA First Plus Financial.
5. Competing Offer must be on the first mortgage loan product.
6. If you close your loan with other mortgage broker, your loan application must close within 21 days of submitting to the qualifying offer to A-BC Loans Inc, DBA First Plus Financial. The terms of the transaction must be identical to the terms submitted to A-BC Loans Inc, DBA First Plus Financial as the competing offer.
7. Subject to Income, employment verification, final appraisal value and final underwriting guidelines.
8. Only one competing offer per household.
9. The Annual Percentage Rate on the .25% Interest Only Loan is 8.65%. Rates subject to change without prior notice, final Underwriting guidelines may apply.
10. By submitting your information to us does not guarantee a loan or promise of a loan approval. It is merely information which will facilitate us in finding available loan programs. No verbal promises; express or implied of any kind will be honored unless it is in writing by A-BC Loans Inc, DBA First Plus Financial and or its authorized representatives.

Expires December 31, 2007