YOU MUST CAREFULLY READ AND AGREE TO THE FOLLOWING TERMS OF USE AND DISCLAIMERS BEFORE ACCESSING OR USING THE FRANKLIN CREDIT MANAGEMENT CORPORATION WEBSITE. These Terms of Use, along with the Website Privacy Policy (the "Policy"), govern your use of this Website. By accessing, browsing, or using this Website, you acknowledge that you have read, understand, and agree to be bound by these terms. If you do not agree to these terms, or the terms of the Policy, then please do not use this Website. Franklin Credit Management Corporation ("Franklin Credit") reserves the right, at any time, to modify, alter, or update these Terms of Use and you agree to be bound by such modifications, alterations or updates. The control and operation of this Website are maintained by Franklin Credit. Claims relating to, including the use of, this Website and the materials contained herein are governed exclusively by the laws of the State of New York, without resort to any conflict of law provision, and you consent to the exclusive jurisdiction and venue of the courts of the State of New York and federal courts located in New York, New York for all disputes arising out of or relating to your use of this Website. If you do not agree, please do not use this Website. If you choose to access this Website from another location, you do so on your own initiative and, in all events, are responsible for compliance with all applicable laws. In the event any portion of these Website Terms of Use are found to be unenforceable, the remainder of these Website Terms of Use shall remain in full force and effect.

Copyright © Franklin Credit Management Corporation 2025. All Rights Reserved.

The material displayed on this Website, including all design, images, illustrations, designs, photographs, video or audio clips, writings, text, graphics, interfaces and other materials, and the selection and arrangements thereof, that appear herein are copyrighted and owned, controlled or licensed by Franklin Credit.

All trademarks, service marks, trade dress, logos and trade names used and displayed on this Website are proprietary to Franklin Credit or other respective owners that have granted Franklin Credit the right and license to use such marks, and may not be used without the prior written permission of the respective owner.

Hypertext linking to this Website and framing of this Website without the prior written permission of Franklin Credit is strictly prohibited. Inquiries to obtain permission for such linking should be directed to Franklin Credit Management Corporation: GeneralCounsel@franklincredit.com.

Franklin Credit grants you permission to view this Website and to display, copy, download, and print in hard copy portions of this Website solely for your personal use as an information resource, provided you do not modify this Website and that you retain all copyright and other proprietary notices contained in the material on this Website.

Except in connection with using this Website as an internal information resource as stated above, or in connection with your use of Submit a Pool discussed below, no content or material on this Website (whether photographic, graphic, textual or other) may be copied, reproduced, distributed, republished, downloaded, displayed, posted electronically or mechanically, transmitted, recorded, mirrored, photocopied or reproduced in any manner without the prior written permission of Franklin Credit or the applicable copyright owner. Inquiries should be directed to Franklin Credit Management Corporation: GeneralCounsel@franklincredit.com.

Please note that the permission granted herein terminates automatically if you breach any of these Terms of Use. Any other use of the material on this Website, including any reproduction, modification, distribution, or republication for purposes other than as noted above, may violate copyright, trademark or other intellectual property laws, and is strictly prohibited unless you obtain the prior written permission of Franklin Credit.

Franklin Credit may, from time to time, post job opportunities on this Website. You are encouraged to review these job opportunities and, if suitable, forward your resume in accordance with the instructions posted on that portion of this Website.

The acceptance of your resume on-line is only to assist Franklin Credit in evaluating the qualifications of potential employees and does not constitute an offer of employment. Franklin Credit exercises reasonable efforts to maintain the confidentiality of resumes from prospective employees. However, Franklin Credit exercises no control over the transmission of e-mailed communications before they are received by it and assumes no obligation and shall incur no liability with respect to such transmissions.

THE INFORMATION, SERVICES, PRODUCTS AND MATERIALS CONTAINED WITHIN THIS WEBSITE ARE PROVIDED BY FRANKLIN CREDIT ON AN "AS IS", “AS AVAILABLE” BASIS, AND FRANKLIN CREDIT, ITS AFFILIATES AND SUBSIDIARIES, AND ITS AND THEIR SUPPLIERS, CONSULTANTS, DIRECTORS AND EMPLOYEES (COLLECTIVELY THROUGHOUT THIS SECTION, "FRANKLIN CREDIT") MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WITH REGARD TO SUCH INFORMATION, SERVICES, PRODUCTS AND MATERIALS, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, WITHOUT LIMITATION, WARRANTIES OR CONDITIONS OF TITLE, NONINFRINGEMENT, FREEDOM FROM COMPUTER VIRUS OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. FRANKLIN CREDIT DISCLAIMS ALL RESPONSIBILITY OR LIABILITY FOR ANY DAMAGES, LOSSES OR EXPENSES CAUSED BY VIRUSES CONTAINED AT OR WITHIN THIS WEBSITE OR WITHIN ANY ELECTRONIC FILES SENT FROM FRANKLIN CREDIT OR FROM THIS WEBSITE.

FRANKLIN CREDIT DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION, SERVICES, PRODUCTS AND MATERIALS ACCESSIBLE ON OR THROUGH THIS WEBSITE ARE ACCURATE, COMPLETE, ADEQUATE OR CURRENT AND FRANKLIN CREDIT HEREBY DISCLAIMS LIABILITY FOR ANY ERRORS OR OMISSIONS THEREIN. FRANKLIN CREDIT IS NOT RESPONSIBLE FOR AND HEREBY DISCLAIMS ALL RESPONSIBILITY OR LIABILITY FOR ANY DAMAGES, LOSSES, OR EXPENSES WHATSOEVER ARISING FROM RELIANCE ON, USE OF, OR THE INABILITY TO USE THE INFORMATION, SERVICES, PRODUCTS AND MATERIALS ON THIS WEBSITE. USE OF INFORMATION, SERVICES, PRODUCTS AND MATERIALS ON THIS WEBSITE IS SOLELY AT YOUR OWN RISK. ANY INFORMATION, SERVICES, PRODUCTS AND MATERIALS PROVIDED ON THIS WEBSITE, ARE SUBJECT TO CHANGE WITHOUT NOTICE.

IN NO EVENT SHALL FRANKLIN CREDIT BE LIABLE FOR DIRECT, INDIRECT, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES, LOSSES, OR EXPENSES WHATSOEVER, INCLUDING BUT NOT LIMITED TO, LOSS OF USE, DATA, OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, OR OTHER TORTUOUS ACTIONS, ARISING OUT OF OR IN CONNECTION WITH THE USE OR INABILITY TO USE THIS WEBSITE, THE CONTENTS OF THIS WEBSITE, OR THE COPYING OR DISPLAY THEREOF, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

THIS WEBSITE MAY CONTAIN DATA FEEDS OR REFER TO OR PROVIDE LINKS TO OTHER EXTERNAL WEBSITES. FRANKLIN CREDIT MAKES NO ENDORSEMENTS, PROMISES, REPRESENTATIONS OR WARRANTIES OF ANY KIND CONCERNING THE INFORMATION, SERVICES, PRODUCTS AND MATERIALS, OR APPROPRIATENESS OF THE INFORMATION ON SUCH DATA FEEDS OR EXTERNAL WEBSITES. FRANKLIN CREDIT HEREBY DISCLAIMS ALL RESPONSIBILITY OR LIABILITY FOR ANY DAMAGES, LOSSES, OR EXPENSES WHATSOEVER ARISING FROM RELIANCE ON, USE OF, OR THE INABILITY TO USE THE INFORMATION, SERVICES, PRODUCTS AND MATERIALS ON ANY SUCH DATA FEEDS OR EXTERNAL WEBSITES AND THE USER OF THIS WEBSITE HEREBY IRREVOCABLY WAIVES ANY CLAIM AGAINST FRANKLIN CREDIT RELATED THERETO.

You agree that any material and information that you transmit to this Website or otherwise provide to Franklin Credit is hereby transferred and assigned to Franklin Credit and shall be and remain Franklin Credit’s property. Franklin Credit shall be free to use any such material and information including without limitation the ideas, concepts, know-how, or techniques contained in such material or information for any purpose whatsoever. Franklin Credit shall not be subject to any obligations of confidentiality regarding any such submitted material or information except as required by applicable law. Nothing contained herein shall be construed as affecting Franklin Credit’s responsibilities.

In addition, you agree, and are hereby put on notice, that you are prohibited from posting or transmitting to or from this Website any unlawful, threatening, libelous, defamatory, inflammatory, pornographic, obscene or profane material or information or any other material or information that could give rise to any civil or criminal liability under law. You are solely responsible for the content of any comments you make and shall indemnify and hold harmless Franklin Credit, its affiliates and subsidiaries, and its and their, officers, directors, and employees, for any actions arising out of any comments that you make.

This Website is not intended for display in, distribution to, or use by, any person or entity in any country or jurisdiction where such display, distribution or use would violate or contradict applicable law, rule or regulation.

Sections and pages of this site may contain additional terms and conditions. In the event of a conflict between the terms set forth herein, and such additional terms and conditions, the additional terms and conditions shall control with regard to the subject to which they apply.

Franklin Credit may revise these terms of use by updating this posting. By using this Website you agree to be bound by any such revisions and you agree, therefore, to periodically visit this Website to determine the then-current terms of use to which you are bound.