Program Rules

1. PROGRAM ELIGIBILITY

Any person referring business to one of our Mortgage Agents.

Referral Sources that are participating in any other Rewards Program with us are ineligible to participate in the Elite Rewards Program.

2. PROGRAM DATES

Elite Rewards Program will begin February 1, 2008.

3. EARNING POINTS

Points will be awarded based on the FUNDED mortgage amount. Participants must be enrolled in the program prior to the mortgage funding in order to earn points on a deal. Points will not be retroactive to deals funded prior to program enrollment.

4. RECEIVING POINTS

Reward Participants will receive paperless electronic rewards. Points Statements may be viewed online at the program Web site. Printed statements may also be sent to Program Participants as frequently as monthly or quarterly.

5. BONUS POINTS

Bonus Points may be offered from time to time. Please see your Mortgage Agent for details.

6. POINT LIFE

All Points issued to a Points Program Participant (the "Program Participant") will be valid for 12 months from the date of last activity. Once the Program is discontinued, the Program Participant will have 90 days to redeem Points for Rewards, unless the program is terminated for other reasons. Upon final termination, any and all unredeemed Points (and the value thereof) shall be forfeited and no reward claims shall be honored thereafter.

7. NON-TRANSFERABLE/ NO CASH VALUE

Points are not transferable and are not redeemable for cash. Program Participants may, however, designate alternative travel or merchandise recipients at the time of redemption.

8. AVAILABILITY

All rewards of merchandise, airline and hotel accommodations, and any other travel (the "Travel and Merchandise Services") included in the Rewards Program are available only to Program participants who have received Points as part of this loyalty points-based program. All Points must be redeemed through the Program Redemption Center. Reward items offered are subject to availability.

9. REWARDS PREVIEW FLYER

Please refer to your electronic Rewards Catalog for the most up-to-date details on Rewards, Point values, and Redemption Information. Information is also included in any preview flyer you have received but may be out-of-date.

Eligible Participants may redeem points only for items listed in the flyer at the designated point quantities. Should a featured reward become unavailable, a reward of equal or greater value will be substituted whenever possible.

10. QUESTIONS

All Points must be redeemed through the Program Redemption Center.

For questions regarding Merchandise Services, call the Redemption Center at 1-877-690-2080.

For questions regarding Travel Services, call the Redemption Center at 1-800-210-8539.

For any other Reward Program questions, please contact Elite Mortgage Team at 613-274-0055.

GENERAL INFORMATION

11. Any tax liability resulting from the receipt of program rewards is the sole responsibility of the Program Participant. This offer is void where prohibited by law.

12. We reserves the right to audit, alter or cancel this Program at anytime in its sole discretion, including without limitation, the Program format, Program partners, Program elements, Reward levels and Reward Rules. All such changes may be made without any prior notification to Program Participants.

13. Mortgage Brokers City Inc., its owners, agents, and employees make no guarantees, warranties, or representations of any kind, expressed, or implied, with respect to items of merchandise or travel, and shall not be liable to Program Participants or any third party for any damage, loss, expense (including, without limitation, attorneys fees), or harm of any nature which arises in whole or in part from the underlying Travel or Merchandise Services, arranged for the Program Participant in connection with the Program.

14. Mortgage Brokers City Inc. shall not be liable in the event that performance is made impossible, or by acts of God, civil or military authority, acts of public enemy, war, riots, civil disturbances, insurrections, accidents, theft, malicious damage, fire, explosions, earthquakes, floods, the elements, lightning, wind or fire resulting from any of the foregoing, strikes, labor disputes or any other causes beyond the reasonable control of Mortgage Brokers City Inc.

15. The Program Rules shall be governed by and construed in accordance with the laws of the Province of Ontario, without giving effect to the principles of conflicts of laws thereof.

16. If any provision of the Program Rules shall be declared to be invalid, unenforceable or void, such decision shall not have the effect of invalidating or voiding the remainder of the Program Rules. Upon such event, the parties shall in good faith modify or alter the remainder of the Program Rules to effectuate the original intent of the parties.