501 MAIN STREET, ARKADELPHIA , AR 71923

TELEPHONE: (870 ) 246 -8081 – FAX: (870 ) 246 -2117

Dear Signing Agent: Enclosed please find the signing agent application that we require to be completed prior to completion of any work on behalf of Capstone/Pioneer Settlement Services. In order to successfully work with Capstone/Pioneer Settlement Services, it is important that signing agents are readily accessible, communicate any potential problems that arise before, during, or after each settlement, immediately report the completion of each signing, and return the documentation via our overnight shipping provider the day of each signing. We appreciate your interest in completing our application and working with us. Please note that in order to be paid as a Capstone/Pioneer Settlement Services vendor, our application, including a signed W-9 form, is required. Capstone/Pioneer Settlement Services requires the completion of the documents listed below prior to your approval to be included in our vendor network. If you have other agents working for you, each one must fill out these forms individually. If you are not permitted to provide any of these items due to state law, please make a note and omit the item.

Signed Agreement Signing Agent Application Copy of Government Issued Identification (must be current) Copy of Notary Certificate/Oath/Appointment (must be current) Copy of Notary Seal/Stamp (must be current) E & O, Surety and/or Notary Bond (provide copy – minimum $25,000) Completed Background Check Consent W-9 Schedule of Fees

FILE (office use only) __________

General Information

Company Information (if applicable):_________________________________________________________ Contact Name:______________________________________________________________________________ Company/Individual (as shown on W-9):______________________________________________________ Business Address:_____________________________________________________________________________ City:____________________________________ State:_________________________ Zip:________________ County:____________________________________________________________________________________ Billing Address: (if different from above):_______________________________________________________ City:____________________________________ State:_________________________ Zip:________________ County:____________________________________________________________________________________ Phone:____________________________________________________________________________________ Fax:_________________________________________________________________________________________ Cell (required):_____________________________________________________________________________ Alternate Phone:___________________________________________________________________________ Alternate Phone 2:___________________________________________________________________________ E-mail:_____________________________________________________________________________________ Alternate E-mail:_____________________________________________________________________________ Certifications/Additional Information:_________________________________________________________ _____________________________________________________________________________________________ ____________________________________________________________________________________________ ____________________________________________________________________________________________ ___________________________________________________________________________________________ _____________________________________________________________________________________________ ___________________________________________________________________________________________

Additional Employees and/or Subcontractors: If you have multiple agents on your staff, please list their names below and provide a completed and signed application for all that will be handling signings on behalf of Capstone/Pioneer Settlement Services. Name:_____________________________________________________________________________________ Name:_____________________________________________________________________________________ Name:____________________________________________________________________________________ Availability: DAYS: Monday Tuesday Wednesday Thursday Friday Saturday Sunday HOURS:______________________________________________________________________________________ Please list any additional languages spoken:__________________________________________________ How many years of experience do you have? _______________________________________________ How many signings have you completed? ____________________________________________________ References: Please list 3 customer references: (Name, Phone Number, Company Name) 1._________________________________________________________________________________________ 2._______________________________________________________________________________________ 3._______________________________________________________________________________________ Disciplinary Action (if you answer yes to any of the questions attach an explanation) Have you ever been the subject of a lawsuit initiated by a lender, borrower or investor? YES NO Have you ever had a claim filed against your Errors and Omissions Insurance? YES NO Have you ever been the subject of legal action related to your use of your notary? YES NO PLEASE SEND ALL ITEMS AS A PDF ATTACHMENT VIA E-MAIL TO ____________ or FAX: (870) 246-2117. Thank you very much, Capstone/Pioneer Settlement Services Vendor Management Team

SIGNING AGENT (SUBCONTRACTOR) AGREEMENT AGREEMENT made as of the date set out below, between CAPSTONE/PIONEER SETTLEMENT SERVICES, located at 501 Main Street, Arkadelphia, AR 71923, hereinafter referred to as “CAPSTONE” and ________________________________________________, and its AGENTS, doing business at ______________________________________________________________________, hereinafter referred to as “SIGNING AGENT.” WHEREAS, CAPSTONE is engaged in real estate signing services for third party clients. WHEREAS, the SIGNING AGENT desired to provide real estate signing services as set out in Exhibit A (“STANDARD PROCEDURES FOR COMPLETION OF ORDERS”) to CAPSTONE clients, and is licensed to provide such services in various geographical areas as set out in Exhibit B (“SIGNING AGENT DATA SHEET”) in which CAPSTONE conducts its business. The parties agree as follows: 1. AGREEMENT AND NATURE OF SERVICES: CAPSTONE agrees to retain the SIGNING AGENT in a non-exclusive Agreement as an independent subcontractor to provide real estate signing services. SIGNING AGENT agrees to provide such services upon the terms and conditions of this Agreement. In performing the services specified in this Agreement, it is the parties’ intent that the SIGNING AGENT shall be acting solely as an independent contractor, practicing his/her profession, and will perform such services in accordance with currently recognized industry methods, standards and practices. 2. TERM: This Agreement commences on the dates set out below and will continue until terminated by either party in writing by giving thirty (30) days prior written notice to the respective party. 3. EXPENSES: The SIGNING AGENT shall pay all out-of-pocket expenses necessary in the performance of the services contracted for. These expenses shall customarily include fees and other costs associated with professional designations and organizations, and any other expenses incurred during the normal course of business by the SIGNING AGENT. The SIGNING AGENT releases CAPSTONE from any liability or payment obligation with regard to social security taxes, state disability, unemployment insurance, and workers’ compensation insurance (collectively “SIGNING AGENT costs”). It is clearly intended and agreed to by the SIGNING AGENT, that the SIGNING AGENT shall bear 100% of the SIGNING AGENT costs and the payment thereof. It is also clearly intended that the SIGNING AGENT is not an employee of CAPSTONE, and that the SIGNING AGENT is personally responsible for satisfying all federal and state employment related expenses and filings, taxes and insurance coverage. 4. FEES: All fees, which are charged or collected from third parties by CAPSTONE for the services of real estate signing services contracted for, shall be the sole and exclusive property of CAPSTONE. 5. BACKGROUND CHECK: The SIGNING AGENT agrees to allow CAPSTONE to conduct a background check on the SIGNING AGENT should they deem it necessary and the authorization attached as Exhibit C is fully executed.

Agent Name:______________________________________________________________________________ 6. PAYMENT OF SERVICES: Payment will be forwarded to SIGNING AGENT within thirty (30) days of CAPSTONE’s acceptance of a completed order. CAPSTONE will determine whether an order is satisfactorily completed based upon its sole discretion. Any dispute regarding payment must be made by written notice within sixty (60) days of the date of the purported completion of work. Completed orders will be determined in regards to work that is completed as set out in the statement of work attached as Exhibit A. 7. LIABILITY INSURANCE: The SIGNING AGENT agrees to maintain a professional errors and omissions liability insurance policy, in the minimum amount of $25,000.00 in aggregate, during the entire term of this agreement. 8. TRANSPORTATION INSURANCE: The SIGNING AGENT shall be responsible to maintain adequate transportation insurance and utilize safe vehicle transportation at all times. 9. APPEARANCE: The SIGNING AGENT will appear in professional attire, maintain an exemplary attitude, and be drug, alcohol, and hazard free. 10. NOTICE OF ABSENCE AND/OR RELOCATION: In the event that the principal named as the SIGNING AGENT will be absent or relocate from his/her primary place of business for any reason that will affect the SIGNING AGENT’S performance hereunder, the SIGNING AGENT will promptly notify CAPSTONE of such absence and/or relocation. 11. GRAMM-LEACH-BLILEY ACT: To the extent that regulations promulgated under the Gramm-Leach-Bliley Act, §15 U.S.C. 1608, et seq. (“G-L-B”) or any other relevant law requires additional or modified security, privacy, or confidentiality agreements between a financial institution and CAPSTONE as a vendor, each party including SIGNING AGENT agrees that it will execute such additional or modified agreements as required. Each party will make a good faith effort to ensure that any additional or modified agreements comply with the requirements of G-L-B, any implementing regulations, or any other relevant law, but neither party warrants that such modifications will be in legal compliance with G-L-B. 12. RELATIONSHIP BETWEEN PARTIES: Nothing contained in the Agreement shall be construed as establishing a partnership, agency, employment or joint venture between the parties. The SIGNING AGENT shall have no authority to bind CAPSTONE by any promise or representation unless specifically authorized to do so in writing by CAPSTONE. In no respect shall the SIGNING AGENT be considered, under the provisions in this Agreement or otherwise, as having an “employee” status or being entitled to participate in any plans, arrangements, or distributions by CAPSTONE pertaining to or in connection with any pensions, stock, bonus, profit sharing or similar benefits for CAPSTONE’S employees. SIGNING AGENT should consult with their local licensing authorities to determine if local regulation allows them to offer their services to CAPSTONE. 13. CONFIDENTIALITY: SIGNING AGENT on its own behalf and on behalf of its personnel, agrees that any and all Confidential Information is and shall remain the property of the Disclosing Party, shall be held in strict confidence by SIGNING AGENT and its personnel, shall not be used for the SIGNING AGENT’S own or any other person’s advantage to the disadvantage of the Disclosing Party, and shall not be used other than to perform this Agreement. SIGNING AGENT, on its own behalf and on behalf of its personnel, may disclose Confidential Information to any third person only with the prior written consent of the Disclosing Party; provided, however, that SIGNING AGENT may disclose Confidential Information to third persons in connection and in accordance with the discharge of its obligations under this Agreement. Except as required by applicable Agent Name:________________________________________________________________________________

law, SIGNING AGENT, on its own behalf and on behalf of its personnel, agrees to keep any and all information confidential with respect to the pricing of services. “Disclosing Party” means CAPSTONE, an affiliate thereof or any financial institution (“Financial Institution”) which discloses Confidential Information to SIGNING AGENT. “Confidential Information” means all technical, business, personnel, taxpayer or other information, including, without limitation, Financial Institutions(s), CAPSTONE, customer, or client information; however, communicated by a Disclosing Party to SIGNING AGENT, relating to past, present or future research, development, and business activities of the Disclosing Party. Confidential Information shall not include information which (I) is or becomes available to the public other than by the acts or omissions of SIGNING AGENT or its personnel; (II) was known by SIGNING AGENT prior to the disclosure of the same by the Disclosing Party, and was not obtained from any person in violation of an obligation of confidentiality to the Disclosing Party; or (III) is required to be disclosed pursuant to applicable law or legal process. 12. PRIVACY: SIGNING AGENT acknowledges that Financial Institutions require CAPSTONE and its vendors and other subcontractors to adhere to and comply with all relevant privacy laws, including, without limitation, the Gramm-Leach-Bliley Act, 15 USC § 681, et. seq. (“G-L-B”), as may be amended from time to time (“Privacy Laws”) and privacy standards in accordance with policies adopted by such Financial Institutions (“Privacy Policies”). In performing Services pursuant to this Agreement, (I) from and after the Effective Date, SIGNING AGENT agrees to adhere to and to comply with any and all Privacy Laws and (II) from and after the date upon which CAPSTONE delivers a Privacy Policy to SIGNING AGENT, SIGNING AGENT agrees to adhere to and comply with any such Privacy Policy. 13. OWNERSHIP OF INTELLECTUAL PROPERTY: CAPSTONE expressly retains all right, title and interest in all copyrights, patents, trademarks, trade names, trade dress, trade secrets, software, know-how or other legally cognizable intellectual property rights (collectively, “Intellectual Property”) that arise out of or are in any way related to this Agreement or CAPSTONE’S provision of services to Financial Institutions and SIGNING AGENT acknowledges that all Intellectual Property is owned, solely and exclusively, by CAPSTONE. At no time during the term or any renewal term or thereafter shall SIGNING AGENT acquire any property right or other interest in, or appropriate for its own use any of, the Intellectual Property. Nothing in this Agreement shall be construed to grant SIGNING AGENT a license to use CAPSTONE’s intellectual property, and any such license may only be granted by separate written instrument. 14. Miscellaneous: The parties agree: (I) CAPSTONE may assign any of its rights under this Agreement without the consent of the SIGNING AGENT; (II) That this Agreement shall be binding upon the parties hereto, their respective heirs, legal representatives, successors and assigns; (III) That this instrument contains the entire Agreement between the parties and may not be changed orally, but only by a written Agreement signed by both parties; (IV) That the SIGNING AGENT shall at all times uphold and conduct themselves in a professional manner that reflects well on the name of CAPSTONE; (V) That Financial Institutions and their clients for whom services are procured under this Agreement are third party beneficiaries of SIGNING AGENT’S obligations under this agreement; Agent Name:______________________________________________________________________________

(VI) Severability: If any provision of this Agreement is found by a proper authority to be unenforceable or invalid, such unenforceability or invalidity will not render this Agreement unenforceable or invalid as a whole; rather, this Agreement will be construed as if not containing the particular invalid or unenforceable provision or portion thereof, and the rights and obligations of the parties hereto will be construed and enforced accordingly. In such event, the parties will negotiate in good faith a replacement provision that would best accomplish the objectives of such unenforceable or invalid provision within the limits of applicable law or applicable court decisions;

(VII) Publicity: Unless otherwise specified in writing by CAPSTONE, SIGNING AGENT will not advertise that CAPSTONE is a customer of SIGNING AGENT and will not use the name “Capstone/Pioneer Settlement Services” or any mark, logo or trade name owned or used by CAPSTONE; and,

(VIII) Heading: Headings of particular sections are inserted only for convenience and are not to be considered a part of this Agreement or be used to define, limit or construe the scope of any term or provision of this Agreement. Should any provision of this Agreement require judicial interpretation, the parties agree that the court interpretation or construing the same will not apply a presumption that the terms and conditions of this Agreement will be more strictly construed against one party than against the other party.

(X) Choice of Law / Forum Selection: The parties agree that this Agreement was made and entered into in Clark County, Arkansas. This Agreement shall be construed and interpreted under Arkansas law, and any dispute arising under or in connection with this Agreement or related to any matter which is the subject of this Agreement shall be subject to the exclusive jurisdiction of the Circuit Court of Clark County, Arkansas. IN WITNESS WHEREOF, the parties have signed this Agreement as of the date set out below. SIGNING AGENT/SUBCONTRACTOR CAPSTONE/PIONEER SETTLEMENT SERVICES _________________________________________ Authorized Signature __________________________________________ __________________________________________ Authorized Signature Date __________________________________________ __________________________________________ Date of Approval Printed Name

Exhibit A: Standard Procedures for Completion of Order

In assigning orders to our approved signing agents, we consider quality of the signing agent’s past experience, location, pricing, and communication. Below you will find the procedures we expect you to follow in order to receive payment in a timely fashion: 1. The signing agent agrees to complete each request in accordance with client requirements, all laws, regulations, and standard practices of the real estate signing services industry. 2. The signing agent agrees to inform Capstone/Pioneer Settlement Services of any periods of absence or vacation, and of any changes or updates to their contact information, address, or licensure status. 3. Capstone/Pioneer Settlement Services uses e-mail (or fax transmission if necessary) to place signing orders with signing agents. 4. Signing Agents must promptly accept and provide status updates on orders. This can be performed by an e-mail receipt and acknowledgement. 5. Always wear business casual attire when attending appointments. 6. Always be punctual for each appointment. Allow for a client to be up to 30 minutes late. 7. When arriving at the appointment, always identify yourself to the client immediately. Attend the appointment alone. Your children, friends, or pets should never attend an appointment with you, even if they remain in your vehicle. 8. Always politely answer client questions but do not provide legal or financial advice, even if you are licensed to do so. Please do not state your opinion or engage the homeowner in conversation on any topic other than information needed to complete the signing. 9. Upon completion of the settlement the signing status must be reported by calling the number on the confirmation. 10. The results of all closings must be reported immediately following the signing, as you are leaving. Failure to report the appointment status on the day of the signing will result in payment penalties. 11. The tracking information for returned documents must be provided, even if the cutoff for the next day delivery is missed due to the time of signing (Signings prior to 3 PM must be dropped same day). 12. If the settlement is not going to be completed you must call Capstone/Pioneer Settlement Services using the numbers provided as well as any lender or broker contact provided prior to leaving the signing location. Signing Agent Signature:_______________________________________________ Date:_______________

FILE (office use only) __________

Exhibit B Signing Agent Quick Data Sheet

Contact Name:______________________________________________________________________________ Document Shipping Address_________________________________________________________________ City:______________________________________________ State:_______________ Zip:_______________ County:___________________________________________________________________________________ Please number the Phone number in the box with the order in which you would like them called. (1-4) Phone:___________________________ Cell (required):________________________________ ALT Phone:_______________________ ALT Phone 2:__________________________________ E-mail:__________________________________ ALT E-mail________________________________________ Fax:_______________________________________________________________________________________ Please list any additional languages spoken:_________________________________________________ Years of experience do you have?_____________ No. of signings completed?__________________ Can you accept and print a PDF file? YES NO Can you complete an e-Sign transaction? YES NO Coverage Area: How far are you typically willing to travel for available settlements? ______________________miles. Please attach coverage areas or complete as much of the following as possible: ZIP CODE COUNTY CITY MEMO

ZIP CODE COUNTY CITY MEMO Signing Agent Signature_________________________________________ Date:_____________________

501 MAIN STREET, ARKADELPHIA , AR 71923

TELEPHONE: (870 ) 246 -8081 – FAX: (870 ) 246 -2117

NOTE: Exhibit C below is a background check authorization form. If due to your state, membership or other certification’s requirements you already have a background check please disregard this request and note the application. If it is available please attach it to the completed application. If you elect to not allow this authorization please simply omit it from the completed package at this time.

Exhibit C

Background Check Consent/Authorization

I, the independent subcontractor signing below, hereby give consent to Capstone/Pioneer Settlement Services to make a thorough investigation of my past employment and work-related activities. I release from liability all persons, companies and corporations supplying information about me to Capstone/Pioneer Settlement Services in this context. In addition, I agree to indemnify Capstone/Pioneer Settlement Services from and against any and all liability that might result from making such an investigation. I agree that Capstone/Pioneer Settlement Services may obtain a criminal background check. I understand that any false answer, statements or implications made by me in the application or other required documents shall be considered sufficient cause for denial or discharge of any relationship as an independent contractor. I understand that nothing contained in the application is intended to create a contract between Capstone/Pioneer Settlement Services and me for contract work or any benefit of employment. No promises regarding approval as an independent contractor have been made to me and I understand that no such promise or guarantee is binding upon Capstone/Pioneer Settlement Services. If a subcontractor relationship is established, I understand that I have the right to terminate such relationship at any time, and the Capstone/Pioneer Settlement Services retains a similar right, with or without cause. ___________________________________________________ ___________-___________-____________ Applicant Name Date of Birth* (xx-xx-xxxx)

__________-__________-__________ Social Security Number (xxx-xx-xxxx) ____________________________________________________________________________________________ Alias/Maiden Name(s) Current Address____________________________________________________________________________ City:___________________________________________ State:__________________ Zip:_______________ Driver’s License Number & State:____________________________________________________________ Applicant’s Signature____________________________________________ Date:____________________ *Date of birth is being requested in order to obtain accurate retrieval of records.

Suggested Schedule of Fees

The pricing below is simply a guideline, and your own pricing schedule can be attached and returned with the completed application. Standard Overnight Documents $70.00 - $90.00 E-mail Documents $80.00 - $100.00 Re-sign Documents <50 pages (Not Signing Agent Error) $30.00 Re-sign Documents >50 pages (Not signing Agent Error) $50.00 Additional Loan (2nd loan; closing simultaneously) $25.00

(added to amount above)

If the signing agent has a closing, but the borrower is not available or does not show up for the appointment after the signing agent arrives at the subject property, or the file does not close, Capstone/Pioneer Settlement Services will pay the signing agent a $30.00 trip fee. Capstone/Pioneer Settlement Services reserves the right to make reductions from fees for unsatisfactory service should the signing agent not complete the agreed upon services, arrive tardy, document errors, incomplete work, or other unprofessional acts. Capstone/Pioneer Settlement Services will not pay to have signing agent go back to a customer to fix the signing agent’s own error. ••Any signing fee can be changed/negotiated with permission/approval in writing prior to the service performed. It must be confirmed in writing on the confirmation sent to the signing agent. This confirmation must be produced should Signing Agent Dispute payment•• Signing Agent Signature_______________________________________________ Date:________________