PLEASE CAREFULLY READ THE FOLLOWING TERMS AND CONDITIONS OF THIS PROVIDER AGREEMENT. BY INDICATING BELOW THAT YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOU HAVE ENTERED INTO A LEGALLY BINDING AGREEMENT WITH LIFESTYLE LENDING SOLUTIONS, LLC ("LLS").

Introduction: This AGREEMENT ("the Agreement"), by and between Lifestyle Lending Solutions, LLC, a Nevada limited liability company with a principal place of business located at 10102 South Redwood Road # 95581 South Jordan, UT 84095 ("LLS"), and you, the provider with a principal place of business located at the address given within online enrollment ("Provider"). LLS and Provider are sometimes hereinafter referred to collectively as the "Parties" or, individually, as a "Party."

Program Participation. Participation in the Program is subject to Lifestyle Lending Solutions' prior approval and Your continued compliance with the Program Policies. By enrolling in the LLS program, you represent that you are authorized to sign on behalf of the Provider and enter the Provider into a legal contract.

RECITALS WHEREAS, Provider is engaged in the business of providing one or more medical or other procedures, services, or products (collectively or individually, "Provider Services"); and

WHEREAS, Provider desires to supply Provider's clients (collectively, "Clients" or, individually, a "Client") with access to loans and other financing options (collectively, "Loans" or, individually, a "Loan") to be used to facilitate payment for one or more of the Provider Services; and

WHEREAS, Provider desires to enter into a business relationship with LLS, whereby Provider will purchase a non-exclusive, revocable "Software License" to use LLS's "Software" (as such terms are hereinafter defined), thereby allowing Provider's Clients to apply for Loans through independent third party credit unions or other financial institutions (collectively, "Financial Institutions" or, individually, a "Financial Institution"),

NOW THEREFORE, in consideration of the foregoing and other good and valuable consideration, the receipt and sufficiency of which is acknowledged, the Parties hereby agree as follows: 1. Recitals: The foregoing Recitals are incorporated by this reference. 2. Term: The initial term (the "Initial Term") of this Agreement shall be for a period of three (3) months commencing upon the date of this Agreement. Upon the expiration of the Initial Term or any Renewal Term (as such term is hereinafter defined), this Agreement shall automatically renew for an additional one (1) year term (individually, a "Renewal Term" or, collectively, the "Renewal Terms") unless either Party notifies the other, in writing, of such Party's intent to terminate this Agreement at least thirty (30) days prior to the expiration of the Initial Term or the applicable Renewal Term. The Initial Term and all Renewal Terms are sometimes hereinafter referred to collectively as the "Term."

3. LLS Services: LLS hereby agrees to perform the following services (individually or collectively, the "LLS Services") during the Term:

a. Software: Subject to the terms of the Software License, LLS shall permit Provider to utilize a certain internet based software package, known commercially as 'lifestylels.net' (the "Software"), which Software is to be used in connection with facilitating the processing of loan applications (collectively, "Loan Applications" or, individually, a "Loan Application") from Provider's Clients to Financial Institutions. The Software shall be the only means through which Provider shall be entitled to cause Loan Applications to be submitted to Financial Institutions under this Agreement. Consequently and among things, Provider agrees not to facilitate Clients submitting Loan Applications to Financial Institutions by direct submission, by facsimile transmission, or by or through any other means. The use of the Software shall be subject to the terms and conditions set forth herein.

b. Training: LLS shall supply Provider with one or more copies of the Software, and will additionally provide reasonable training in the Software's use to the management and staff of Provider.

c. Access And Support; Updates: LLS shall use its good faith efforts: (i) to provide access to the Software through the internet or other web-based means, (ii) to maintain access to the Software for Provider, (iii) to provide all necessary support for user identification access and shall administer all passwords and user IDs, and (iv) to carry out any applicable updates or patches to the software online during non-operating hours. Such updates are part of the system and are included in the pricing exhibit attached hereto. Provided that it has used its good faith efforts as described herein, LLS shall not be liable for any inability to provide access to the Software, any failure to maintain access to the Software, any failure to provide support, or any like or similar matters, and shall further not be responsible for any damages, liabilities, claims, lawsuits, or causes of actions arising as a consequence of such matters.

4. Lending Decisions Made By Financial Institution, Not By LLS; Clients' Rights To Pursue Alternate Financing: Provider expressly acknowledges and agrees that all lending decisions and determinations with respect to possible Loans shall be made at the sole and absolute discretion of the applicable Financial Institutions. Consequently, LLS is not providing, and cannot provide, any assurances that any particular Client, or any Clients at all, will qualify for any Loan with any Financial Institution. Further, a Financial Institution's acceptance of a Loan Application from a Client does not bind the Client to use or accept funding from such Financial Institution and does not entitle Provider to receive any payment from such Financial Institution.

5. Arrangement of Loans: Provider will act as Financial Institution's agent for the purpose of receiving loan and membership requests and documenting loan advances as specified in this Agreement and authorized by Financial Institution. Provider's authority is limited to documenting Loans for Financial Institution members according to the terms prescribed by Financial Institution. Provider shall not process any Loans without prior approval from the applicable Financial Institution.

6. Software License: LLS hereby grants, to Provider, a non-exclusive license (the "Software License") to utilize the Software in Provider's offices for the sole purpose of facilitating efforts of Provider's Clients to apply for Loans. The Software License shall be deemed to be automatically revoked and terminated upon the expiration or earlier termination of the Term.

7. Restricted Rights to Use of Software: Only individuals authorized by Provider may access and use the Software. Provider shall provide sufficient safeguards to prevent the unauthorized use of the Software, including advising all employees, agents, and representatives that the Software is not to be copied or revealed to anyone other than authorized employees of Provider. Provider shall change its password if any employee who had such knowledge is terminated.

8. One Time Set-Up Fee: In connection with LLS creating Provider's account and providing the Software, associated training, and other services related to setting up Provider's account, Provider shall pay to LLS the "Initial Set-up Fee" set forth on Exhibit A attached hereto.

9. Pricing: In addition to the One Time Set-Up Fee, Provider shall pay for the continuing use of the Software and the LLS Services as set forth on Exhibit A attached hereto, as it may be amended from time to time. Provider hereby authorizes the Financial Institutions to deliver the LLS Payment directly to LLS upon distribution of a Loan's proceeds to Provider.

10. Exclusive Arrangement; Provider Utilization Prohibitions Relating To Credit Unions: Provider agrees that the LLS Services shall be the sole and exclusive services through which Provider refers, recommends, and facilitates Clients in seeking financing from credit unions. Notwithstanding the foregoing, Provider shall not be required to refer, recommend, or facilitate the use of LLS Services with respect to Clients that seek financing from banks.

Provider further agrees that, for a period of two (2) years from the date of the termination of this Agreement for any reason, Provider shall be prohibited (the "Credit Union Financing Prohibition") from utilizing any program, means, or methods that assist Clients in seeking financing from credit unions. Amongst other things and without limitation, the Credit Union Financing Prohibition prohibits Provider (1) from using any relationship developed through or because of the LLS Services, whether such relationship is of a personal or business nature, to assist Clients in seeking financing from credit unions and (2) from using any information obtained from or because of the LLS Services to assist Clients in seeking financing from credit unions. The Credit Union Financing Prohibition does not apply to programs, means, or methods which are intended to assist Clients in seeking financing from banks. Any failure by Provider to comply with the Credit Union Financing Prohibition shall be deemed an immediate and material breach of this Agreement and will entitle LLS to institute any and all necessary action against Provider which LLS deems appropriate, including but not limited to seeking temporary and permanent injunctive relief against Provider and any other persons or entities. Furthermore, both LLS and Provider agree that it would be impracticable and extremely difficult to ascertain the amount of actual damages caused by material breach of the Credit Union Financing Prohibition. Therefore, the Parties agree that, in the event that Provider violates the Credit Union Financing Prohibition, Provider shall pay to LLC one hundred fifty dollars ($150) for each breach. The Parties further agree that this liquidated damages provision represents reasonable compensation for the loss which would be incurred by LLS due to any such breach. Nothing in this section is intended to limit LLS's right to obtain injunctive and other relief as may be appropriate.

11. Non Disclosure/Confidentiality: The Parties acknowledge and agree that the Software and other means and methods through which the LLS Services are provided and performed consist of and comprise proprietary software, materials, documents, methods, information, matters, and the like (collectively, "Proprietary Matters"), which are commercially valuable in their own right. The Parties recognize that the continued value of such Proprietary Matters depends upon the preservation and enforcement of the confidentiality of such Proprietary Matters, and that the disclosure of such Proprietary Matters will cause immediate, material, and irreparable harm to LLS, its business and operations. As a consequence, Provider covenants to take all steps and efforts necessary to keep the Proprietary Matters confidential (the "Confidentiality Covenant"). Consistent with the foregoing, Provider also agrees to strictly limit access, use, dissemination, disclosure, reproduction, and distribution of the Proprietary Matters in accordance with the purposes set forth in this Agreement. Any failure by Provider to keep the Proprietary Matters strictly confidential shall be deemed an immediate and material breach of this Agreement and will entitle LLS to institute any and all necessary action against Provider which LLS deems appropriate, including, but not limited to, seeking temporary and permanent injunctive relief against Provider and any other persons or entities.

12. Data Security And System Integration: Provider understands that transmitting consumer information that includes, but is not limited to, credit data, social security numbers, and other personal information, as well as storage of such data outside of the Software, poses a security risk. Provider agrees to take all precautions necessary to ensure that no sensitive data obtained from the Software is transferred via an insecure method nor stored on an insecure computer, database, server, or any other machine or equipment. Provider agrees that LLS shall not be responsible for problems or damages relating to the integration and functioning of software, applications, and other third party systems.

13. Document Destruction: Upon the request of LLS or a Financial Institution, Provider will destroy, by shredding or burning, any Loan documents in its possession, including without limitation original signed agreements between Financial Institutions and Clients.

14. Late Charges: A late charge of one and one-half percent (1.5%) per month will be added on balances thirty (30) days past due.

15. Termination: This Agreement may be terminated in accordance with the following terms and conditions:

a. Immediately and automatically upon the expiration of the Initial Term or any Renewal Term, provided that either Party has notified the other, in writing, of such Party's intent to terminate this Agreement at least thirty (30) days prior to the expiration of the Initial Term or the applicable Renewal Term, in accordance with Section 2 of this Agreement.

b. By LLS upon ten (10) days written notice to Provider after the occurrence of a breach or default by Provider hereunder.

c. Immediately upon termination, all amounts due and owing by Provider to LLS will be deducted and processed for payment to LLS.

The Confidentiality Covenant and the Credit Union Financing Prohibition shall survive any termination of this Agreement.

16. Representations, Warranties, And Covenants Of Provider: Provider hereby represents, warrants, and covenants to LLS as follows, upon which representations, warranties, and covenants LLS has expressly relied in entering into this Agreement and agreeing to engage in the transactions described herein and contemplated hereby:

a. Provider is currently, and throughout the Term shall continue to be, duly organized, validly existing, and in good standing under the laws of the state(s) in which Provider conducts business, and has and shall have, as applicable, full power and authority and, if required, all licenses and permits necessary or appropriate to carry on its business as now conducted and to own and operate its assets, properties, and businesses.

b. The execution and delivery of this Agreement by Provider and Provider's performance of the transactions contemplated hereunder, have been duly and validly authorized, and this Agreement is binding and enforceable against Provider in accordance with its terms. There are no investigations pending or, to the best of Provider's knowledge, threatened against Provider by any regulatory body having jurisdiction over Provider regarding Provider's business, licenses, permits, or assets.

c. Provider covenants that, at no time during the Term will Provider knowingly communicate to any Financial Institution any incorrect or inaccurate information of any kind or nature.

d. Provider has, and will continue to have throughout the Term, legal capacity to perform and provide the Provider Services.

e. All information provided to any Financial Institution concerning prospective Loans shall be obtained by Provider directly from the applicable Clients or from third parties with such Clients' consent. All information provided to any Financial Institution by Provider concerning the Provider Services shall be true and correct in all material respects.

f. Each Loan transaction will be, to the best knowledge of Provider, entered into by the applicable Clients in good faith, with all Loan Applications and other documents relating to such Loans having been actually signed by the applicable Clients. Each Loan and all of the other transactions described in the documents relating thereto shall, to the best knowledge of Provider, be binding upon the applicable Clients who are the borrowers with respect thereto.

g. Each borrower has, and will continue to have, legal capacity to enter into a loan transaction, and such transaction is, and will continue to be, legally enforceable against the borrower. The borrower named in any such transaction is either (i) a member of the applicable Financial Institution or (ii) is entitled to become a member of such Financial Institution and has executed an application for Financial Institution membership and the application for membership and supporting initial deposit have been delivered to Financial Institution.

h. There are no defenses to any Loan.

i. The statements in this Agreement are true and are offered for the purpose of inducing Financial Institution to make Loans under this Agreement.

17. Default; Remedies: In addition to all other breaches and defaults described herein, the occurrence of any one or more of the following shall constitute a breach and default under and in connection with this Agreement:

a. Provider's failure to fully and timely pay any amounts at any time due and owing to LLS under this Agreement;

b. The failure of either Party to fully and timely perform any duty or obligation under this Agreement within ten (10) days of receiving written notice of such failure;

c. Either Party ceases to do business as a going concern, dissolves, becomes insolvent, files for bankruptcy, or has a receiver appointed for any portion of such Party's property or assets;

d. If any representation or statement made or furnished by or on behalf of Provider to LLS or any other person or entity is or was false or inaccurate when made. In the event of any breach or default hereunder, the non-defaulting Party shall be entitled to exercise any right or remedy available to such non-defaulting Party, whether at law, in equity, or by agreement.

18. Mutual Indemnifications: Each Party shall indemnify and hold harmless the other Party from, of, against, and with respect to any and all losses, claims, demands, liabilities, costs, damages, and expenses (including attorneys' fees) that such other Party may incur by reason of any negligent or wrongful act of or by such Party in the performance of its duties under this Agreement or arising from any breach hereof by such Party. Each Party agrees to provide the other Party with prompt notice of any claim or suit within the scope of the indemnities contained in this Agreement, and to furnish all relevant facts in such Party's possession or control, cooperate fully with the other Party hereto in its defense of any such action, and not to settle any such matter without the other Party's prior written consent, unless any such settlement contains an unconditional release from liability of the other Party.

19. Provider's Obligations to Provider's Clients: Provider further agrees promptly to fulfill all obligations to Provider's Clients as required by the loan agreement, underlying sales transaction, manufacturer's warranty, or otherwise.

20. Third Party Beneficiaries: For all purposes of this Agreement, each Financial Institution that contracts with LLS to provide loans through the Software shall be expressly deemed to be an intended third party beneficiary of this Agreement and shall have the right to enforce applicable terms and conditions of this Agreement.

21. Provider Indemnification Of Financial Institutions; Provider Guaranties In Limited Events: As a consequence of Financial Institutions being intended third-party beneficiaries under this Agreement, Provider hereby expressly agrees that, in addition to all other indemnification obligations set forth herein, Provider shall indemnify, defend, and hold harmless all Financial Institutions from, of, against, and with respect to any and all actions, claims, defenses, losses, or liabilities, including attorneys' fees, asserted against such Financial Institutions by Provider's Clients as a result of or arising out of any claim or defense that is or could be asserted against Provider, regardless of whether such claim or defense is related to the quality of the service provided or the condition of the products sold, whether such claim or defense existed at the time the Loan became effective or arose thereafter, or whether the claim or defense is true or false or brought in good faith. The foregoing agreements to indemnify, defend, and hold harmless shall survive full payment of the Loan and termination of this Agreement.

Notwithstanding any provision herein to the contrary, Provider unconditionally guaranties full performance of each Loan made by a Financial Institution when and if Provider, without the applicable Financial Institution's prior written consent, modifies the documents related to the Loan or makes any settlement or arrangement with Provider's Client contrary to the terms of such Loan documents, or if Provider's Client fails to make required payments because of any breach of Provider's duties related to the quality of the services provided by Provider or the condition of the products sold by Provider.

22. Use of Financial Institutions' Intellectual Property: Without the prior written consent of the applicable Financial Institution, Provider shall not use such Financial Institution's name, logo, or any other identifying mark or slogan in any advertising, promotional material, press release, or indirect discussions or correspondence with Clients or potential Clients.

23. Choice of Law: This Agreement shall be governed and construed in accordance with the laws of the United States and the State of Utah, and the Parties consent to the sole and exclusive jurisdiction of the state courts and U.S. federal courts having jurisdiction in Salt Lake County, Utah, for any dispute arising out of this Agreement. No action by LLS or Provider arising under this Agreement may be brought at any time more than two (2) years after the occurrence of the facts upon which such cause of action is based.

24. Notices: Any notice required or permitted hereunder shall be in writing and shall be deemed to be delivered either: (i) upon personal delivery to the Party to whom such notice is addressed, or (ii) three (3) days after being deposited in the United States Mail, postage prepaid, certified mail, return receipt requested, addressed to the respective Party at such Party's address set forth below, or at such other address as may be subsequently designated by such Party in writing to the other Party hereto and delivered in accordance with this Section:

LLS: Lifestyle Lending Solutions, LLC
PO Box 95581
South Jordan, UT 84095


25. Assignability: This Agreement is not assignable or delegable by Provider without LLS's prior written consent, which consent may be withheld for any or no reason. It is acknowledged and agreed by Provider that LLS may assign its rights hereunder at any time and without notice to Provider.

26. General: This Agreement is binding upon the successors, heirs, personal representatives, and assigns of the Parties, and constitutes their entire agreement with respect to the matters discussed herein. All oral representations or prior negotiations are deemed to have been merged into this Agreement. Any Party which breaches any of such Party's warranties, representations, covenants, obligations, or responsibilities herein shall pay all legal fees and other expenses incurred by any non-breaching Party as a consequence of such breach. If any provision of this Agreement is held to be invalid or unenforceable, this Agreement shall be considered divisible as to such provision and such provision shall thereupon be inoperative and shall not be part of the consideration moving between the Parties. The remaining provisions of this Agreement shall, however, continue to be valid and binding and of like effect as though such provision were not included herein. No waiver by a Party of any of such Party's rights, or any breach or default of another Party shall operate as a waiver of any other right, breach, or default, or of the same right, breach, or default in the future.

27. ACH Agreement:
a. Provider hereby gives LLS Authorization for Automatic Credit & Adjustments:
     1. Provider herby authorizes financial institutions participating under Lifestyle Lending Solutions' agreements to initiate credit entries for payment of fees owed to Provider by said financial institutions to Provider's account on record with LLS.
     2. Provider agrees to deliver to the financial institutions within 48 hours of request by the financial institutions a check to cover any adjustments for credits made in error by the financial institutions.
b. Provider hereby gives LLS Authorization for Automated Billing Authorization:
     1. Provider herby Authorizes Lifestyle Lending Solutions to initiate debit entries for payment of fees owed to Provider to LLS from Provider's account at the depository named upon enrollment.

The ACH authorization is to remain in effect until LLS has received written notification from Provider of its termination in such time and manner to afford company reasonable opportunity to act on it.

LLS's performance under this agreement is subject to interruption and delay due to causes beyond its reasonable control such as acts of God, acts of any government, war or other hostility, civil disorder, the elements, fire, explosion, power failure, equipment failure, industrial or labor dispute, inability to obtain necessary supplies and the like.

This Agreement may be amended from time to time by LLS upon thirty (30) days prior written notice to the Provider. After the effective date of LLS's amendment, Provider's failure to terminate this Agreement before the effective date of such amendment shall be deemed to be Provider's agreement to an acceptance of LLS's amendment. Should Provider not agree to abide by such amendment, Provider must terminate this agreement by providing LLS with written notice of its decision to terminate this Agreement. Such notice must be sent by facsimile to LLS, attention President & CEO; the original of such notice must be sent by U.S. Mail, return receipt requested.