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Step 1: Review the Description of the Independent Representative

935 John Street, Kalamazoo, MI 49001 269-342-1488, 269-385-2089 fax Wendy@hmscredit.com I. Benefits for Independent Representative i. Independent Representative receives 50% of net revenue. (Revenue schedule available) ii. Purchase of the system provides Independent Representative with a turn key business, a stream of income and other opportunity through real estate investment clubs or similar organizations. iii. The opportunity for the Independent Representative to meet new clients in need of property management and/or brokerage services. And your existing clients will appreciate a higher screening standard. iv. Added benefit: Independent Representative receives reports for their own screening needs at a reduced fee structure. v. Educational feature. HMS Credit Services provides industry information updates to Independent Representative and it's clients via emails, website and newsletters to help maintain compliance with the FCRA and FHA. II. Benefits for Independent Representative Customers (Property Managers and Landlords) vi. Access to accurate, nation-wide, up to date and cost effective information and reports, vii. Method of protection and risk management for clients/members and their investments. viii. Educational Feature. Independent Representative and its Customers/Clients will remain in compliance with FCRA and FHA because HMSCredit provides continuing education through it's web-based conduit. III. Website Features a. HMS Credit Services will provide each Independent Representative with a direct link to the HMS site for members to request credit reports online. Once the request form is delivered to HMS, all credit reports will be delivered via email/fax directly to the member. Same day service on most reports. Email delivery is preferred. b. Direct access to background, eviction and identity reports c. Provide a desktop icon for all Independent Representative to access website. d. Updates and reminders of compliance issues/requirements and industry stats. e. Online delivery of invoice and payment through either on-line debit or check system. IV. How it works a. Independent Representative signs contract and other required documents with HMSCredit Services subject to, site approval, and verification of business status, payment of membership fees. b. Independent Representative pays to HMS Credit one time Business System buy-in fee. c. HMS conducts site compliance inspection d. Independent Representative establishes with HMSCredit a retail sales price for your market e. Independent Representative offers members reports per the business plan authorized in the original application. Business plans are flexible and we expect you to use the system for the growth and development of your organization as long as your system does not violate our contract, the FCRA or the requirements of the repositories. f. Provides to HMSCredit evidence that HMSCredit has been added to your professional Liability Insurance (E&O) as additional insured. g. Independent Representative assures compliance by: a.Maintaining a business front where the public can enter during normal business hours b.Maintain contacts with subscribing member who seek reports c.Maintain a bonified tax ID number and continue to operate business at an approved site d.Remain in compliance with the FCRA and repositories. e.Maintain file of requests from clients and signed authorization forms from prospective tenants or other real estate housing applicants. f.Immediately and permanently destroy faxed reports Independent Representative is subject to random audits conducted by either HMSCredit or the repository. V. How you get paid a. You use the PayPal, on-line check system or other purchase system that may be available on the web site to pay for annual member subscriptions and report fees. b. HMS pays back to Independent Representative ½ of the net proceeds defined as follows: retail price - report cost / 2 on the 15th of the months subject to clearing of all remittance at the bank of HMS. c. Payments are remitted to Independent Representative on the 15th and 30th of each month. d. You as Independent Representative decide if you should collect report cost at time of sale or invoice your customers.

Step 2: Review Consumer Privacy Policy

This notice is to inform you about your obligation to protect public information. Your Privacy As an end user of FCRA infomation, protecting the privacy and security of the personal and financial information you obtain is important. As your information provider, we entrust you with the care of this information. We recognize that our relationship with us is based, in part, upon trust, and keeping financial information secure is one of your most important responsibilities. The information you request from us must be used primarily for the purpose for which you are requesting this imformation. Collection of Information: We collect nonpublic personal information from the following sources: * Information we receive from district, county and federal courts * Information we receive from our affiliates, or others * Information we receive from consumer reporting agencies Protection of Information: Do not disclose any nonpublic personal information about your subject customer, client or prospective employee or your prospective, current or former tenants to anyone, except as permitted by law. Restrict access to nonpublic personal information about your subject customer, client or prospective employee or tenant to your employee(s) who need the information to make the decision for which you acquired the information. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Links: This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy policies of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information. Contact Information: If you would like to contact us about our privacy policy or how to construct yours or have any questions or concerns, please contact us immediately via telephone at 269-342-1488 or through email at service@hmsys.com . You can also print or save the above privacy policy to your computer here: Download privacy policy (MS Word Document) http://www.hmsys.com/rentals/privacypolicy.doc

Step 3: Review your terms of Independent Representative

AFFILIATE CONTRACTOR AGREEMENT THIS INDEPENDENT CONTRACTOR AGREEMENT ('Agreement') is made as of _________, 200_ by and between, HMS Credit Services a division of Home Marketing Systems Inc. , a Michigan Corporation ('Company'), and ___, referred to herein as, ('Affiliate'). RECITALS The Company desires to engage the Affiliate as a representative to market the Company's Products. The Affiliate desires to act as the Company's representative of information services pursuant to the terms and conditions set forth herein. The Affiliate represents that neither the execution nor performance of this Agreement by the Affiliate will violate, be in conflict with, or result in a breach of any contract or agreement including, but not limited to, any restrictive covenant to which the Affiliate is a party or to which the Affiliate is bound. WITNESSETH: NOW THEREFORE, the parties hereto in exchange for the mutual covenants herein and each intending to be legally bound hereby, agree as follows; 1. Retention A. Appointment. The Company hereby appoints as an Affiliate representing a benefit exclusively available to its members, investors, partners, owners, shareholders, principals, employees, and subcontractors of . B. To conduct business under the name of Property Managers Credit Services Association (PMCSA) as it's sole and exclusive platform for conducting business. To use the contracts and forms required to subscribe and bind members to the legal requirements of the repositories and the FCRA as amended, state and local ordinances as may apply. C. Duties of the Affiliate. agrees to use its best efforts to promote to it's local market and clients the availability of PMCSA as a source of report products. Products include tenancy credit reports, eviction reports, foreclosure reports, bankruptcy reports, national and international criminal searches and such other products sold or offered by the Company, as may be added from time to time. Affiliate agrees to install a link to HMSCredit.com on it's web site and actively promote notification of legal and educational updates to it's members. D. Record Keeping. The Affiliate agrees to use the designated web site of HMSCredit to maintain records of the Affiliate's members. Each member is assigned a unique user number. All fields provided on the web site will be required for each user. All management of user fees will be conducted on the site. E. Duties of Company. HMS Credit Services agrees to use it's best efforts to (i) actively develop, support and service the Affiliate's use of the Products, to (ii)provide access to accurate, nation-wide, up to date and cost effective information reports, (iii) assist in obtaining technical advice and assistance, troubleshoot problems, (iv)provide certification and compliance educational information via website, and newsletters, (v) forward any indications of market interest, difficulties/changes with Products, or inquiries on technical matters to the Affiliate as promptly as possible, (vi) handle account management including issuance of monthly invoices for services provided to client members and collection of debt for those services, and (vii) to list the Association on the Company's web site as an affiliate. F. Non-Exclusivity. The Affiliate's appointment is on a non-exclusive basis. G. Hold Harmless. The Affiliate agrees to hold the Company harmless from any and all loss, damage, expense and liability resulting from actions and suits relating to the Company's products, policies, or claims that the Company's products infringe a patent; provided, however, the foregoing hold harmless agreement shall not apply if any such loss, damage, expense or liability results from or is alleged to have resulted from the actions or inaction, in whole or in part, of the Affiliate; and further provided, however, that the Affiliate shall give the Company prompt notice of any action or proceeding relating to the foregoing and shall provide the Company with all reasonable cooperation and information in the Affiliate's possession 2. Fees and Re-sale. A. The Affiliate agrees to pay an initial membership fee of _. B. The Affiliate agrees to pay 50% of net revenue as calculated by the retail price of the product less the repository cost. C. To pay to the Company 20% of it's annual membership fees collected from it's members. D. To set it's market pricing with prior Company approval. E. The Affiliate and it's ownership specifically understand and agree not to allow the membership to resell the product in any way, understanding that it is a violation of the Fair Credit Reporting Act and our agreement with the repositories. Failure to abide by this requirement will result in immediate termination of this agreement. D. The Affiliate agrees to advise all members, employees and affiliates of the same as part of it's ongoing educational involvement. 3. Termination. A. The Term of this Agreement shall be ongoing, subject to the right of either party to terminate the Agreement as set forth below. B. The Company may terminate the Affiliate's participation at any time, with or without cause, effective upon thirty (30) days written notice by the Company to the Affiliate. The Affiliate may terminate his/her efforts to participate, with or without cause, provided that the Affiliate serves the Company with at least thirty (30) days written notice of it's intention to terminate performing such services. C. All fees accrued to the thru the date of service remain due to the Company Upon receipt at the Affiliate's office. D. All notices required or permitted hereunder shall be sufficient if given in writing and delivered personally or by registered or certified mail, postage prepaid, or by an overnight delivery service for which a signature is required, to the following addresses, or to such other address as may be designated in writing by the respective parties hereto for this purpose: If to the Company: HMS Credit Services a division of Home Marketing Systems Inc. 935 John St, Kalamazoo, MI 49001 If to the Affiliate: 3. Liability. A. The Affiliate shall be solely responsible for all personal injuries, and damage incurred in the conduct of the Affiliate's business. The Association does hereby indemnify and hold the Company harmless from all such injuries, liabilities, damages, losses claims and/or expenditures of any kind whatsoever, together with costs of suit and reasonable attorneys? fees related thereto, which arise out of the conduct of the Affiliate's business, or any other activities, and shall carry adequate public liability and property damage insurance covering all of the Affiliate's activities and operations including, but not limiting to, the operation of any vehicles (on land, in or on the sea, and in the air) in connection herewith. The Affiliate shall be responsible for complying with all applicable federal, state and local laws and regulation where Affiliate's business is being conducted or in which Affiliate transacts business. B. Confidential Information. The Affiliate acknowledges that in serving as a representative, the Affiliate will have continuing possession of or access to Confidential Company Information (as that term is defined below), the disclosure of which to competitors of the Company would cause the Company to suffer substantial and irreparable damage. Affiliate recognizes, therefore, that it is in the Affiliate's legitimate business interests to continue to restrict Affiliate's use of Confidential Company Information for any purposes other than the discharge of the Affiliate's duties to the Company under this Agreement, and to limit any potential Appropriation of Confidential Company Information by the Affiliate for the benefit of the Company's competitors and to the detriment of the Company. Therefore, the Affiliate agrees as follows: (1) During and after the Term of this Agreement, the Affiliate will not disclose to any other person or entity, nor use for Affiliate's own personal benefit, except as may be necessary in the performance of the Affiliate's duties as a representative of the Company, any Confidential Company Information disclosed to Affiliate or of which Affiliate becomes aware by nature of the Affiliate's relationship with the Company. (2) Affiliate agrees that upon the termination of this Agreement The Affiliate will not take with him/her or retain without written authorization of the Company any documents, files or other property of the Company, and that the Affiliate will return promptly to the Company any and all such documents, files or property in the Affiliate possession or custody. In connection with this Agreement, the Affiliate recognizes that all documents, files and property which Association has received and will receive from the Company or from the Company's customers relating to the business of the Company, including but not limited to, customer lists, handbooks, pricing data, quotations, orders, memoranda, policy manuals, product specifications and other materials, are for the exclusive use of the Company and its agents who are discharging their responsibilities on behalf of the Company, and that Association has no claim or right to the continued use, possession or custody of such documents, files or property following the termination of Affiliate's relationship with the Company. (3) Agreement Not to Compete. The Affiliate agrees that during the time it is engaged as a representative for the Company, the Affiliate will not, directly or indirectly, in any capacity, render services to, or engage or have a financial interest in, any business that (i) competes directly with any of those business activities in which the Company is engaged during the period of an active contract agreement with the Company, including but not limited to the sale or distribution of Products of the type sold by the Company. The Affiliate will not, directly or indirectly, in any capacity, render services to, or engage or have a financial interest in, any business that is engaged in the sale or distribution of Products of the type sold by the Company. (4) This Agreement shall be governed by the laws of the State of Michigan without regard to any choice of law provisions. The parties agree that all disputes rising out of this Agreement will be resolved by the District Court, Kalamazoo County, Michigan or the Federal District Court of Southwestern District of Michigan. The parties hereby consent to the jurisdiction of such courts. (5) This Agreement may be executed in any number of counterparts, each of which shall be considered an original and be effective as of the dale first written above. (6) If any provision of this Agreement or application thereof to anyone under any circumstances is adjudicated to be invalid or unenforceable in any jurisdiction, such invalidity or unenforceability shall not affect any other provisions or applications of this Agreement which can be given effect without the invalid or unenforceable provision or application and shall not invalidate or render unenforceable such provision in any other jurisdiction. BOTH, THE COMPANY AND ASSOCIATION ACKNOWLEDGE THAT THE AFFILIATE HAS READ AND UNDERSTANDS THE PROVISIONS OF THIS AGREEMENT, THAT HE/SHE HAS BEEN GIVEN AN OPPORTUNITY FOR HIS/HER LEGAL COUNSEL TO REVIEW THIS AGREEMENT AND THAT HE/SHE AGREES THAT THE PROVISIONS OF THIS AGREEMENT ARE REASONABLE AND ENFORCEABLE. THE AFFILIATE AGREES AS AN INDUCEMENT TO DO BUSINESS WITH THE COMPANY, TO ALLOW THE COMPANY TO CONDUCT A BACKGROUND AND CREDIT SCREENING ON THE PRICIPALS OF THE AFFILIATE. IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as of the date first written above. HMS Credit Services BY: _ _________ Michael Fleckenstein, President

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