ROCKET LOANS TERMS OF USE

Thank you for visiting Rocket Loans! Your use of this website www.rocketloans.com and any pages thereof ("Site") is
controlled by these Terms of Use. By entering this Site and through your use of this Site, you agree to these Terms of Use
whether or not you are a registered user of our products and services (each a "Service" and collectively our "Services"). IF
YOU DO NOT AGREE WITH THESE TERMS OF USE, YOU MAY NOT USE THE SITE.

1. OWNERSHIP OF SITE. RockLoans Marketplace LLC d/b/a Rocket Loans, a Michigan limited liability company
("RocketLoans," "Rocket Loans," "we," "us," "Company," or "our") owns and operates this Site. You acknowledge and
agree that all content, web pages, source code, calculations, products, materials, data, information, text, screen,
functionality, services, design, layout, screen interfaces, "look and feel," and the operation of this website
(collectively, "Site Content") are protected by various intellectual property laws, including, but not limited to,
copyrights, patents, trade secrets, trademarks, and service marks, and you do not acquire any rights by
downloading or viewing any Site Content. You agree that Rocket Loans and all logos related to our products and
Services are our or our licensors' trademarks or registered trademarks. You may not copy, imitate or use them
without our prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are our
service marks, trademarks and/or trade dress. You may not copy, imitate, or use them without our prior written
consent.

2. ELIGIBILITY. The Site is intended solely for users who are 18 years of age or older, and any registration or use of
the Site by anyone under 18 is unauthorized and in violation of these Terms of Use. By using the Site, you represent
you are 18 or older and that you agree to and will abide by all of the terms and conditions of these Terms of Use. If
you violate any of these Terms of Use, or violate any other agreement with us, we may terminate your registration
and/or prohibit you from using or accessing our Services or the Site.

3. COMMUNICATIONS AND AFFILIATE SHARING. By accepting these Terms of Use, you expressly consent to having
Rocket Loans, our affiliates, agents, or representatives, and potentially our banking partners including Cross
River Bank contact you about your inquiry by text message, SMS, email, or phone (including use of an automatic
telephone dialing system or an artificial or pre-recorded voice) to the residential or cellular telephone number you
have provided, even if the telephone number is on a corporate, state, or national Do Not Call Registry. You do not
have to agree to receive such calls or messages as a condition of getting any services from Cross River Bank or from
Rocket Loans or its affiliates. You acknowledge that you provided us your cellular number and you provided your
cellular number during a transaction that if consummated will result in you owing a debt to Cross River Bank. You
also consent to us contacting you through the email address you have provided us. The phone number provided
must be a phone number registered to you or which you have authorization to use and not a phone number of any
third party such as a debt relief agency or other. If you want to opt out of receiving marketing information by email,
telephone, text message, and/or mail, please email support@rocketloans.com with the subject "Opt Out" or call
(800) 333-7625. If you have established an account with us, you can also change your communication preference
through editing your preferences in "My Communication Preferences" under your "My Profile" once you sign into
your account with Rocket Loans. In the event you consummate a loan you agree that you will provide a phone
number and address that is associated with you and not a third party.

By accepting these Terms of Use, you acknowledge and agree that we may share the information that you provide
us, including, but not limited to, your full name, birth date, address, telephone number, email address, and social
security number with our affiliates. You also acknowledge and agree that members of our affiliates, including
Rocket Mortgage, Rocket Homes, and Rapid Finance, among others, may share any information with us that you
have provided to them. Your information includes, but is not limited to, your full name, birth date, address,
telephone number, email address, and social security number, and any credit profile that they may have attributed
to you. You understand that our Affiliates, and/or Partners may maintain the information you submitted to us even

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 if you decide not to use their services. In the event you no longer want to receive communications from our
affiliates, or Partner, you agree to notify them directly.

4. LOAN REQUESTS. You may be presented with the opportunity to apply for a loan through the Site. When you apply
for a loan, you agree to provide current, complete, and accurate information about yourself. You agree that you will
not, in connection with any Services, misrepresent your identity, or describe, present, or portray yourself as a
person other than yourself. If any information you provide is untrue, inaccurate, not current, or incomplete, we
have the right to reject any application you have submitted, terminate any agreement we have with you, and
restrict your future use of the Site and our Services. We reserve the right to decline any application for a loan. You
agree that if you request a loan through our Site you will not be requesting a loan for any illegal or illicit purpose.
You acknowledge and agree that your loan request may not be funded. You agree that we will initially do a soft
credit pull and that any offer of credit to you will be contingent upon a hard credit pull which we will complete prior
to you signing the Loan Agreement to ensure your credit has not changed. You acknowledge and agree that the
terms of any offer of credit to you will change from day-to-day and to some extent hour-by-hour and if you leave
the Site or your loan application process, any rate and term information you were quoted on the Site may change.
Completed loan applications expire after 30 days unless otherwise agreed upon in writing.

5. SIGN IN AND PASSWORDS. If you apply for a loan through the Site, you will be required to create an account and
password. You agree that you will protect and maintain the confidentiality of any user identification, password, or
other identifying information you obtain through your use of the Site and will not disclose this information to any
third party. You agree that you will immediately contact Rocket Loans if you believe your user identification,
password, or identifying information has been compromised, lost, or stolen. Note that Rocket Loans will never
contact you through an unsolicited email or phone call requesting your username or password. You also
acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to
or use of this Site by any person to whom you provided your user identification, password, or other identifying
information, or by any person who has obtained such information from you, including, but not limited to, any
access to or use of this Site that may occur before you have notified us that your user identification, password, or
other identifying information has been lost, stolen, or otherwise compromised and we have had a reasonable time
to act.

6. AUTOPAY DISCOUNT. Depending upon the time of your application, you may have been eligible to select a
discounted rate if you chose autopay for your monthly payments. The autopay rate is a discount on the regular
rate. If you do not select autopay and later elect to make payments by autopay you will not be eligible for a rate
discount.

7. PERMITTED USE. You agree that:

your use of this Site is subject to and governed by these Terms of Use;
you will only access or use this Site and transact business with us if you are at least 18 years old;
you will comply with and be bound by these Terms of Use as they appear on this Site each time you access
and use this Site;
each use of this Site by you indicates and confirms your assent to and agreement to be bound by these
Terms of Use;
these Terms of Use are a legally binding agreement between you and Rocket Loans that will be enforceable
against you;
by accessing and using this Site, you are also using Google Maps API and you assent to and agree to be
bound by Google's Terms of Service. Rocket Loans does not accept any responsibility for the content of
Google's Terms of Service.

You agree that you will not use or attempt to use this Site for any purpose other than personal consumer lending
for your individual purposes with Rocket Loans as a bona fide client of Rocket Loans; you may not use or attempt
to use this Site or any part of this Site for any purpose:

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 that interferes with or induces a breach of the contractual relationships between Rocket Loans and its
employees
that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property;
that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited email,
unsolicited commercial communications;
that transmits any harmful or disabling computer codes or viruses;
that harvests email addresses from this Site;
that transmits unsolicited email to this Site or to anyone whose email address included the domain name
under this Site;
that interferes with our network services;
that attempts to gain unauthorized access to our network services;
that suggests an express or implied affiliation with Rocket Loans, its affiliates, or Cross River Bank (without
the express written permission of Rocket Loans);
that impairs or limits our ability to operate this Site or any other person's ability to access and use this Site;
that uses any methods, means, or devices to click on to this Site or cause a visit to this Site for the purpose
of manipulating the results of any Internet search engine, or for any other purpose other than conducting
consumer lending related business with Rocket Loans or Cross River Bank as a bona fide client of Rocket
Loans or Cross River Bank;
that unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity
that harms minors in any way, including, but not limited to, transmitting or uploading content that violates
child pornography laws, child sexual exploitation laws, and laws prohibiting the depiction of minors engage
in sexual conduct;
that transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful,
threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images;
that harms, threatens, harasses, abuses, or intimidates another person in any way or involves images or
content that depicts, promotes, encourages, indicates, advocates, or tends to incite the commission of a
crime or other unlawful activities
that dilutes or depreciates the name and reputation of Cross River Bank, Rocket Loans, or any of their
affiliates;
that transmits or uploads any content or images that infringes any third-party's intellectual property rights
or infringes any third-party's right of privacy; or
that unlawfully transmits or uploads any confidential, proprietary, or trade secret information

8. RESTRICTIONS ON USE. You agree to abide by all applicable laws and regulations in your use of the Site and our
Services. In addition, you agree that you will not do any of the following:
apply for more than one loan (if you have a loan), or apply for a loan on behalf of an individual other than
yourself or on behalf of any group or entity;
post or otherwise make available content, or take any action on the Site, that may constitute libel or slander
or that infringes or violates someone else's rights or is protected by any copyright or trademark, or
otherwise violates the law;
post or otherwise make available content that in our judgment is objectionable, such as content that is
harmful, threatening, inflammatory, obscene, fraudulent, invasive of privacy or publicity rights, hateful or
otherwise objectionable; that restricts or inhibits any other person from using or enjoying the Site; or that
may expose us or our users to any harm or liability of any type;
post or otherwise make available any unsolicited or unauthorized advertising, solicitations or promotional
materials, or any other form of solicitation;
use the information or content on our Site to send unwanted messages to any other user;
impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your
affiliation with any person or entity;
post or otherwise make publicly available on the Site any personal or financial information of any third party
solicit personal information from anyone under 18 or solicit passwords or personally identifying information

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 for commercial or unlawful purposes;
use the Site or our Services in any manner that could damage, disable, overburden, or impair the Site;
harvest or collect email addresses or other contact information of our users from the Site by electronic or
other means, including via the use automated scripts; or
post or otherwise make available any material that contains software viruses or any other computer code,
files or programs designed to interrupt, destroy, or limit the functionality of any computer software or
hardware or telecommunications equipment.

9. COPYRIGHT COMPLAINTS. If you believe that any material on the Site infringes upon any copyright that you own
or control, you may send a written notification to us via email at support@rocketloans.com, or via regular mail at
Rocket Loans, Attn: Legal Team, 1274 Library Street, 2nd Floor, Detroit, Michigan 48226. In your notification, please:
confirm you are the owner, or authorized to act on behalf of the owner, of the copyrighted work that has
been infringed;
identify the copyrighted work or works you claim have been infringed;
identify the material that you claim is infringing or is the subject of infringing activity and that is to be
removed (please include information reasonably sufficient to permit us to locate the material);
provide your contact details, including an email address; and
provide a statement that the information you have provided is accurate and that you have a good-faith
belief that use of the material in the manner complained of is not authorized by the copyright owner, its
agent or the law

10. INDEMNIFICATION. You agree to defend and hold harmless Cross River Bank, Rocket Loans, their affiliates, and
their officers, directors, employees, and third-party suppliers from and against any and all third party actions, suits,
claims and/or demands and any associated losses, expenses, damages, costs, and other liabilities (including
reasonable attorneys' fees), arising out of or relating to your submitted content, use or misuse of any aspect of the
Services or the Site, or your violation of these Terms of Use. You will cooperate as fully as reasonably required in
the defense of any such claim or demand. We and any third-party involved in creating, producing, or delivering the
Site and/or the Services reserve the right to assume the exclusive defense and control of any matter otherwise
subject to indemnification by you, at your expense, and you will not in any event settle any such matter without our
prior written consent and that of any such third-party.

11. SEVERABILITY. You agree that any provision of these Terms of Use shall be found to be unlawful or void, or for any
reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of
Use and shall not affect the validity and enforceability of such other provisions.

12. YOUR COOPERATION NEEDED. Rocket Loans generally begins processing your application upon your submission
of a full and complete application. If you submit an application, you agree to cooperate in the application process
(including submitting all required documentation in a timely manner) and if needed, to obtain information Rocket
Loans may need from third-parties such as your bank or employer, etc. In addition, you agree to notify Rocket
Loans of any changes in any information submitted in connection with your application.

13. NOTIFICATIONS. Rocket Loans may provide you with notices via email and regular mail at the most recent address
you have provided, or through posting information on this Site, as allowed under the law.

14. NO WARRANTY; ERRORS; DISCLAIMERS. ALTHOUGH WE WILL USE REASONABLE EFFORTS TO PROVIDE AN
ACCURATE SITE AND SERVICES, THE SITE AND OUR SERVICES ARE PROVIDED "AS IS" AND WITHOUT ANY
REPRESENTATION OR WARRANTY, WHETHER EXPRESS OR IMPLIED. WE AND OUR AFFILIATES, OFFICERS,
DIRECTORS, EMPLOYEES, AND THIRD PARTY SUPPLIERS (COLLECTIVELY, THE "ROCKET LOAN PARTIES") DISCLAIM
ANY AND ALL REPRESENTATIONS, WARRANTIES, OR GUARANTEES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR
STATUTORY, RELATING TO THE SITE, THE SERVICES, ANY DOCUMENTATION PROVIDED OR MADE AVAILABLE TO
YOU AND ANY OTHER PRODUCTS AND RELATED MATERIALS AND/OR SERVICES PROVIDED TO YOU BY ANY OF THE

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 ROCKET LOANS PARTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES: (I) AS TO TITLE, MERCHANTABILITY,
FITNESS FOR ORDINARY PURPOSES, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM
INTEGRATION, AND WORKMANLIKE EFFORT; (II) AS TO THE QUALITY, ACCURACY, TIMELINESS, OR COMPLETENESS
OF THE SITE OR THE SERVICES OR ANY ASPECT THEREOF; (III) ARISING THROUGH COURSE OF DEALING, COURSE OF
PERFORMANCE, OR USAGE OF TRADE; (IV) RELATING TO THE SITE OR SERVICES CONFORMING TO ANY FUNCTION,
DEMONSTRATION, OR PROMISE BY ANY ROCKET LOANS PARTY; AND (V) THAT ACCESS TO OR USE OF THE SITE
AND/OR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE. ANY RELIANCE UPON THE
SITE AND/OR SERVICES IS AT YOUR OWN RISK AND THE ROCKET LOANS PARTIES MAKE NO WARRANTIES.

15. LIMITATION OF LIABILITY. You agree that all access and use of the Site and its contents and your use of the
Services are at your own risk. Neither we nor any Rocket Loans party involved in creating, producing, or delivering
the Site and/or the Services has or will have any responsibility for any consequences relating, directly or indirectly,
to any action or inaction that you may take based on the Site and/or the Services, or any aspect thereof. You agree
that you, and not Rocket Loans, will bear the entire cost of all servicing, repair, correction, or restoration that may
be necessary for your data, software programs, or computer equipment because of any viruses, errors, or other
problems you may have as a result of using or visiting this Site.

WE WILL NOT BE HELD LIABLE FOR ANY DEFECTS, FAULTS, INTERRUPTIONS, OR DELAYS IN THE OPERATION OR
TRANSMISSION OF ANY PRODUCT, AND/OR ANY INACCURACIES, ERRORS OR OMISSIONS IN THE INFORMATION
CONTAINED IN THE SITE AND/OR THE SERVICES. UNDER NO CIRCUMSTANCES WILL ANY OF THE ROCKET LOAN
PARTIES BE HELD LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR
OTHER DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, ARISING OUT OF, BASED ON, RESULTING
FROM, OR IN CONNECTION WITH THE SITE AND/OR THE SERVICES OR ANY PRODUCTS, THESE TERMS OF USE OR
YOUR USE OR INABILITY TO USE ANY OF THE FOREGOING, EVEN IF THE ROCKET LOANS PARTIES HAVE BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

ALL OF THESE LIMITATIONS APPLY REGARDLESS OF THE CAUSE OR FORM OF ACTION, WHETHER THE DAMAGES
ARE CLAIMED UNDER THE TERMS OF A CONTRACT, TORT, OR OTHERWISE, AND EVEN IF WE OR OUR
REPRESENTATIVES HAVE BEEN NEGLIGENT OR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NO
ACTION ARISING OUT OF OR PERTAINING TO THESE TERMS OF SERVICE MAY BE BROUGHT MORE THAN ONE (1)
YEAR AFTER THE CAUSE OF ACTION HAS ARISEN.

16. ACCESS TO SITE. Rocket Loans reserves the right at all times, in its sole discretion and without notice to you, to
deny your access to and use of the Site.

17. LINKING. The Site may, from time to time, provide links to other websites. Rocket Loans does not endorse,
approve, sponsor, or control, and we are not in any way responsible for, any of the content, services, calculations,
information, products, or materials that you may receive through any website where we may have provided a link.
Through use of this Site, you acknowledge and agree that Rocket Loans will not be responsible for or liable to you
or any other person for any damages or claims that might result from your use of such content, services,
calculations, information, products, or materials.

No Advertising / No Links. Rocket Loans does not permit third-party advertising on this Site. Except with the express
written permission of Rocket Loans, you agree that you will not create links from any website or webpage to this
Site or any webpage within this Site.

18. REVISIONS AND MODIFICATIONS. We reserve the right to temporarily or permanently modify or discontinue the
Site, or any portion of the Site, for any reason, without notice to you. We may also change these Terms of Use from
time to time without notice to you. Please review these Terms of Use often because your continued access or use of
the Site after any modifications have become effective shall be deemed your conclusive acceptance of the modified
Terms of Use. You agree and acknowledge that Rocket Loans may temporarily or permanently revise or change

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 these Terms of Use at any time, without notice to you, and you agree that you will be bound by the provisions of
these Terms of Use as they appear on this Site at the time you access this Site. Because these Terms of Use may
change, we encourage you to refer back often to these Terms of Use. In addition, you agree and acknowledge that
all other content, services, products, and materials on or available through this Site are subject to updating and
revision without notice to you. You further acknowledge and agree that individual modifications to the Terms of
Use may not be altered by contract, unless permitted in writing by Rocket Loans.

19. FOR SOUTH DAKOTA RESIDENTS ONLY. If you have any comments or concerns about any improprieties in making
the loan or in loan practices, you can refer those concerns to the South Dakota Division of Banking, 1601 N Harrison
Ave, Suite 1, Pierre SD 57501 Phone: 605-773-3421 email: banking@state.sd.us

20. FOR WISCONSIN RESIDENTS ONLY. For married Wisconsin residents, by submitting your application you are
confirming that this loan (if granted) is being incurred in the interest of your marriage and your family. No provision
of a marital property agreement, unilateral statement under §776.59 of the Wisconsin Statutes or court order
under §776.70 of the Wisconsin Statutes adversely affects the interests of a lender unless the lender, prior to the
time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the
adverse provision when the obligation to the lender is incurred. If the loan for which you are applying is granted,
you will notify the lender if you have a spouse who needs to receive notification that credit has been extended to
you.

21. FOR MAINE RESIDENTS ONLY. Do not sign these Terms of Use before you read them. You are entitled to a copy of
these Terms of Use. Maine law requires that these disclosures be provided to you before any contract is signed
with, and before any money is paid to, Rocket Loans or to third parties. Rocket Loans has a $25,000 consumer
protection bond on file with the State of Maine. If you have a claim against Rocket Loans that cannot be resolved
through informal means, you may institute an action to recover your loss from that bond by filing a written
complaint with the Superintendent, Bureau of Consumer Credit Protection, 35 State House Station, Augusta, Maine
04333-0035.

To the extent you originate a loan with Cross River Bank and if you default under the terms of the underlying
agreement and the APR exceeds 12.25%, then we will not seek payment of attorney's fees or collection costs. If the
APR is 12.25% or less, we will not seek payment of collection costs and will not seek payment of attorney's fees in
excess of 15% of the unpaid debt after default and referral to an attorney who is not a salaried employee of ours.

22. FOR CALIFORNIA RESIDENTS ONLY. This section details your rights under the California Consumer Privacy Act.

Data Collection and Data Sharing

These are the types of data we might collect about you:
Identifiers
Any personal data described in subdivision (e) of Section 1798.80 of the California Consumer Privacy Act
Characteristics of protected classifications under California or federal law
Commercial data
Biometric data (for employees only as required by law)
Internet or other electronic network activity data
Geolocation data
Sensory data
Professional or employment data
Education data
Inferences drawn from any of the data used to create a customer profile

Sources of collected data:

Information collected through our websites

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 Information you provided when getting a product or a service from us
Information you provided when signing up for communications from us
Information you provide when entering promotions or sweepstakes
Information you provided through telephone or web-based surveys, online chat, customer service
correspondence or general feedback
Information you provided when applying for a position with us
Information provided by third parties such as lead buy partners, data brokers and credit bureaus
Information collected using web technologies

Ways we might use your data:

Marketing (unless you've opted out)
Auditing
Fraud detection
Debugging
Providing services
Quality control

Reasons we might share your data with third parties:

Business purposes
Auditing
Detecting fraud
Debugging
Providing services
Internal research
Quality control

With your consent, we might share your personal data with third parties, including our affiliates, mortgage partners
and service providers, for these reasons:
Business purposes
Marketing
Analytics
Pre-populating your information to make your experience easier

22.1 Sale of Data

We may sell your personal information to affiliates or trusted business partners. You have the right to opt-out of
the sale of your data to third parties.
To exercise this right, please contact us.

22.2 Your Privacy Rights

If you’d like to review, access, revise or delete personal data we’ve collected about you, please contact us.

22.3 Right to Know

You have a right to know what personal data we’ve collected about you, what data we’ve sold, who we’ve sold your
data to, and what data we’ve shared for business purposes.
To exercise this right, please contact us.

22.4 Right to Access

You have the right to see what specific pieces of data we have about you, and to get this data in a portable and
easily accessible format.
To exercise this right, please contact us.

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 22.5 Right to Delete
You have the right to request that we delete your data. We’re legally required to keep some data about you, but
we’ll delete everything we can. Keep in mind that we might reacquire some of your data if we purchase data from a
third party.
To exercise this right, please contact us.

22.6 How We Process Your Privacy Rights

First we'll verify your identity using your personal info. Then we'll process your request according to company
guidelines. You can usually expect a response within 45 days.

22.7 Authorized Agent

If you're an authorized agent (such as power of attorney) making a request on behalf of someone else, please
contact us.

22.8 Right to Non-Discrimination For The Exercise Of Your Privacy Rights

You won't be discriminated against for exercising your privacy rights.

22.9 How to Contact Us About Your Data

Call us at (855) 503-0462
Send an email to Privacy@RocketLoans.com
Visit RocketLoans.com and log into your account

23. GOVERNING LAW AND DISPUTE RESOLUTION. You agree that these Terms of Use shall be governed by and
construed in accordance with the laws of the State of Michigan, without giving effect to any principles of conflicts of
law. You understand and agree to resolve through final and binding arbitration the following claims, disputes, or
controversies arising between you and Rocket Loans, and its parents, affiliates, subsidiaries, or related companies:
all claims, disputes, or controversies arising from the Telephone Consumer Protection Act of 1991 (“TCPA”), or state
law claims similar to the TCPA. You will arbitrate TCPA claims between you and Rocket Loans at a location the
arbitrator will determine in compliance with Rocket Loans’ Governing Law provision. The arbitrator, not the court,
will resolve the issue of arbitrability. Any state or federal court having jurisdiction thereof may enter judgment of
any award the arbitrator renders. This arbitration contract is made under a transaction in interstate commerce, and
the Federal Arbitration Act (“FAA”) will govern its interpretation, application, enforcement, and proceedings. As the
Governing Law provision indicates, the laws of the State of Michigan govern the enforceability of this arbitration
provision as a contract, but not the scope of this provision. Neither you nor Rocket Loans are entitled to join or
consolidate claims in arbitration by or against other consumers or to arbitrate any claim as a representative or
member of a class or in a private attorney general capacity. The parties voluntarily and knowingly waive any right
they have to a jury trial for TCPA-related matters which, based on the above, will be arbitrated. You agree that any
other action(s) at law or in equity arising out of or relating to these Terms of Use or the use of this website shall be
filed only in the state or federal courts located in Wayne County, Michigan, and you hereby consent and submit to
the personal jurisdiction of such courts for the purposes of litigating.

24. MISCELLANEOUS. Because Michigan law controls this Site, all record keeping and data gathering is based on
Eastern Standard Time; as such, if you consent, acknowledge, or e-sign a document through this Site, such
consents, acknowledgment, and signature will be time-stamped based on Eastern Standard Time even though you
may physically be in a different time zone.

25. Your obligations under these Terms of Use are binding on your successors, legal representatives, and assigns. You
may not assign or transfer (by operation of law or otherwise) your right to use the Site and/or the Services or any
aspect thereunder, in whole or in part, without our prior written consent.

26. Please contact us via email at support@rocketloans.com with any questions regarding these Terms of Use.

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09.14.21 Rev. 9

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