TERMS AND CONDITIONS OF THE USE OF THIS WEBSITE:

Marsfrequentflyer.com is the property of Turning Point Real Estate (“TPRE”) and provides the
materials contained on and any downloadable tools produced by TPRE for this Site (the "Site") to
our customers and visitors. TPRE requires that all visitors to the Site adhere to the following
Terms and Conditions. By accessing the Site and any of its pages or downloading any of the tools
produced by TPRE, you indicate your acknowledgement and may revise these Terms and
Conditions at any time by updating this posting, which revisions will be binding upon all visitors to
the Site. You should therefore visit this posting to review these Terms and Conditions from time to
time as you visit the Site. For purposes of these Terms and Conditions references to TPRE its
owners, affiliates, directors and employees. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST
NOT USE THE MARSFREQUENTFlYER.COM SITE.

Personal Use Only

This Site is made available only for your personal, non-commercial use. This Site provides
information based on our editorial content and information provided to us by credit card issuers.
While TPRE believes such information and advice to be reliable, we make no claims or
representations about the accuracy, reliability, timeliness, usefulness or completeness of such
information or advice. All information and advice given on this Site is intended only to assist you
with financial decisions. However, TPRE is not a certified financial planner and is not offering the
services of a financial planner. Accordingly, TPRE recommends that you get different opinions and
seek the advice of your accountant and other financial advisers who are fully aware of your
individual circumstances before making any final decisions or implementing any financial you on
any information or advice will be at your own risk.

Third Party Links and Third Party Products

TPRE is not a financial institution and is not affiliated with or responsible for the services or
products advertised by third parties on this Site. We provide links and unaffiliated third party
direct content to you only as a convenience. We do not provide, endorse, or guarantee the content,
advertising, products, services or other materials available on third party websites or in areas of
this Site for which they directly provide content. We do not control, author, edit, or monitor these
linked web pages or have any responsibility for the accuracy or availability of information
provided on them or on the areas of this Site for which content is provided by unaffiliated third
parties. TPRE does not make any representations or warranties, express or implied, regarding the
content, products or services offered by third parties. The third party links and content accessible
from our Site do not constitute or imply an endorsement, authorization, sponsorship or affiliation
by TPRE with respect to any third party or any third party products or services. By using this Site,
you acknowledge that you are responsible for viewing and abiding by the privacy statements,
service agreements and terms of use of any linked web pages.

Credit Cards Presented On This Site

Participating Credit Card issuers pay us when they receive a completed application or upon
approval of a completed application and occasionally to have their offers presented on our site.
The placement and prominence of a specific offer is subjectively determined by us based on
several considerations including; the card terms, features and benefits, the popularity of the offer
with our users, and compensation paid to us by the issuer or its affiliates.

Not an Application

Nothing on this Site constitutes an offer, promise or otherwise, either to provide a specific credit
card or that any participating credit card issuer will offer you a credit card for any purpose or on
any specific terms. If you contact a credit card issuer listed on the Site and you submit a credit
card application to such credit card issuer, your information remains between you and that
lender or broker. We shall not be responsible or liable for any products, services, information or
other materials displayed, purchased, or obtained as a result of any information or offer in or
results of any kind obtained in connection with this Site.

No Guarantees

TPRE does not guarantee and makes no representations as to the accuracy, quality, currentness,
validity or authenticity of any rates or terms posted by credit card issuers. All information is
subject to change without notice. Nothing on this Site should be construed to be an advertisement
for credit as defined by paragraphs 226.16 or 226.24 or a solicitation as defined in paragraph
226.5a of Regulation Z of the Truth in Lending Act.

Governing Laws and Regulations

User access to and use of the Site is subject to all applicable federal, state and local laws and
regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under
federal and state laws. California law and Federal law will govern the interpretation and
enforcement of these Terms and Conditions.

Copyright and Trademark Policies

The information contained at the Site, including but not limited to text and images herein (other
than certain images licensed from third parties) and their arrangement, and downloadable tools
produced by TPRE are copyright 2010, 2011 by TPRE. All rights reserved. This Site and its entire
contents are for personal use only and may not be copied, reproduced, modified, published,
uploaded, downloaded, posted, transmitted or distributed in any way, without TPRE's prior
written permission.

Ownership of Materials

Except as otherwise indicated, this Site and its entire contents including, but not limited to, the
text, information, material, software and graphics contained on this Site (the "Materials"), are
owned by TPRE and its affiliates. The Materials are protected by copyright, trademark and other
intellectual property laws and treaties. TPRE makes no proprietary claim to any third-party
names, trademarks or service marks appearing on this Site. Any third-party names, trademarks,
and service marks are the properties of their respective owners.

The Materials may not be copied, reproduced, modified, published, uploaded, downloaded,
posted, transmitted, or distributed in any way without TPRE's prior written permission.

By posting a message or contributing in any way to this Site, including, but not limited to, sending
comments and e-mail, to this Site, you expressly grant TPRE a perpetual, worldwide,
non-exclusive, royalty-free right and license to use, reproduce, display, perform, adapt, modify,
distribute, have distributed and promote such content in any form, in all media now known or
hereinafter created, anywhere in the world, and for any purpose.

TPRE reserves the right to change, update, discontinue, or restrict or prevent access to this Site
orthe Materials at any time without notice.

Disclaimer and Limitation of Liability

BY USING THIS SITE, YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THIS SITE
AND THE INTERNET GENERALLY. THE INFORMATION IS PROVIDED "AS IS," WITHOUT ANY
EXPRESS OR IMPLIED WARRANTY OF ANY KIND. IN NO EVENT SHALL TPRE BE LIABLE FOR
ANY DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION ANY SPECIAL, INDIRECT, OR
CONSEQUENTIAL DAMAGES, AND DAMAGES RESULTING FROM LOSS OF USE, DATA, OR
PROFITS, OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE OF OR INABILITY TO USE
THE MATERIALS OR ANY HYPERLINKED SITE, EVEN IF TPRE OR ITS AFFILIATES HAVE BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

This Site is intended to assist readers by providing financial data, resources and editorial
information on financial products. TPRE is not responsible for any errors or omissions in the
Materials or information provided on this Site, any articles or postings for hyperlinks embedded
in messages, nor for any loss or damage caused by your reliance on information obtained on this
Site or in a hyperlinked site.

This Site may provide chat rooms, bulletin boards and other means for the public to contribute
information and make statements. TPRE does not make any endorsements of these statements
nor representations that the statements are true and accurate. TPRE reserves the right to edit
statements made within these forums. We also reserve the right to limit or restrict access to
users
who abuse these forums. You should be cautious when acting on information provided by
contributors to these chat rooms. You should not rely solely upon the information and opinions of
the chat rooms or bulletin boards.

Governing law and Jurisdiction

User access to and use of the Site is subject to all applicable federal, state and local laws and
regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under
federal and state laws. These terms and conditions of use shall be governed by and construed in
accordance with the laws of the United States of America and the state of California, without
giving effect to any choice of law or conflict of law provision or rule (whether of the state of
California or any other jurisdiction) that would cause the application of the laws of any
jurisdiction other than the United States or the state of California. By using this Site, you consent
to the jurisdiction of the state and federal courts of San Diego County, California, U.S.A. for any
action or proceeding arising under or relating to these Terms of Use, this Site or the use of, or
reliance on, this Site.

This Site is directed at and made available only to persons who reside in countries where the
products or services advertised by the credit card issuers or other financial service providers are
permitted under applicable local law.

Miscellaneous

These Terms of Use constitute the entire agreement between the parties with respect to the
subject matter hereof and supersede and replace all prior or contemporaneous understandings
or agreements, written or oral, regarding such subject matter. The section titles in this Agreement
are for convenience only and have no legal or contractual effect. The failure of TPRE to exercise or
enforce any right or provision of these terms shall not constitute a waiver of such right or
provision. If any provision of this Agreement is found by a court of competent jurisdiction to be
invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties'
intentions as reflected in the provision, and the other provisions of these terms remain in full
force and effect.
Terms and Conditions
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