Disclaimer

1. Nature of the transaction. This transaction is designed to help you avoid losing your home to foreclosure.

2. SidCo does not offer legal or financial advice. Your decision to engage in this transaction is your decision alone. SidCo does not offer legal or financial advice, and you should engage your own legal or financial advisors if you have questions about this transaction. By signing this Addendum, you represent that you have had an opportunity to seek advice from legal, financial or other advisors. There may be tax consequences if you receive a reduction in debt from your previous lender

3. SidCo is not acting as your agent. SidCo is not acting as your agent in this transaction, and it does not undertake any fiduciary duties on your behalf.

4. SidCo makes no representations about the value of the property. SidCo does not act as an appraiser, and it makes no representations about the value of the property You are purchasing. You warrant that You have evaluated the price of the property You are purchasing, and You believe the price is fair.

5. SidCo will be compensated for its work. You understand that SidCo may make a profit on its purchase and sale of the property you are purchasing.

6. YOU WILL BE REQUIRED TO ARBITRATE ANY DISPUTES. ANY DISPUTES BETWEEN YOU AND SIDCO MUST BE SUBMITTED TO ARBITRATION BEFORE THE AMERICAN ARBITRATION ASSOCIATION.