NOTICE: An applicant to become a participant in the IDVSYSTEM LOAN PROGRAM ("Client" must be at least eighteen (18) years old age and submit proof upon request.

This AGREEMENT is effective immediately upon the “Client’s” acceptance of the Terms and Conditions of the IDVSYSTEM LOAN PROGRAM (hereinafter “IDV”) as set forth below. This AGREEMENT is entered into by and between the applicant “Client” and Cyber New World Business, Inc., a Delaware corporation having its principal offices at 425 East Colorado Boulevard, Suite 600, Glendale, California 91205 (hereinafter “CNWB”).

1. FEES — “Client” will be compensated for participation in “IDV” as set forth below:
   1. “Client” will be paid $.05 for each unique click (defined as a referred user of the “Client’s” website who is sent to the “IDV” website and chooses to “click” on the “IDV” apply button on said page).
   2. “Client” will be paid $2.00 for each user it refers to “IDV” who subsequently completes an application for the loan product offered by “IDV” and who is approved for said loan.
   3. “Client” payment will be calculated twice monthly on the 15th and 31st day of each calendar month (or the last day of the month).
   4. “Client” payouts will be processed and submitted to the “Client” for each pay period by the 7th and 22nd day of each calendar month for the period prior.

2. SERVICE DESCRIPTION — “CNWB” through its proprietary IDVSYSTEM and subject to the Terms and Conditions of this Agreement, will provide the following services to the “Client”:
   1. “Client” will be provided access to “IDV” for the purposes of submitting “Client” traffic to “IDV” to participate in the IDVSYSTEM Loan Program.
   2. “Client” will be provided with HTML code which the “Client” will utilize to forward its declined sales traffic to “IDV”.
   3. “Client” will be provided with graphics and/or artwork to be placed on the “Client’s” website(s) which “IDV” has created and approved for use as part of the advertisement and/or participation in the IDVSYSTEM LOAN PROGRAM.
   4. “CNWB” will provide electronic and/or “hard copy” reports to the “Client” that provide a summary of the amount of traffic referred by the “Client” and financial reports indicating the amount of fees due to the “Client” for its participation in “IDV” up to the time of the creation of said report.
   5. “Client’s” website(s) will be subject to periodic review by “CNWB” with the purpose of determining that aforementioned sites are in good working order.

3. TERM AND TERMINATION —This Agreement will become effective as of the date indicated above. Either party may terminate this Agreement without prior notice at any time and for any reason.

4. Assignment — “Client” may not assign or transfer this Agreement to any other party without “CNWB’s” prior written approval. CNWB may assign this Agreement and “CNWB’s” rights and obligations under it, in whole or in part, to any company. “CNWB” will notify “Client” of any such assignment. This Agreement will be binding upon, and inure the benefit of, the parties and their respective successors and assigns. “Client” agrees not to pledge, transfer or otherwise impair any of “CNWB’s” rights under this Agreement.

5. Changing This Agreement — “CNWB” may change this Agreement at any time by giving “Client” written notice at least thirty (30) days in advance of the change. If “Client” does not accept a change to the Agreement, “Client” must notify “CNWB” in writing that it does not accept the within that thirty (30) day period.

6. Indemnification — “Client” agrees to indemnify and hold “CNWB” harmless along with “CNWB’s” subsidiaries, affiliates and divisions, and each company’s respective officers, directors and employees, for all costs, damages, claims or complaints arising from “Client’s” wrongful acts or omissions in connection with the services provided to it, and from its failure to perform its duties and responsibilities, under this Agreement. “CNWB” agrees to indemnify and hold “Client” harmless, along with “Client’s” subsidiaries, affiliates and divisions, and each company’s respective officers, directors and employees, for all costs, damages, claims or complaints arising from “CNWB’s” failure to perform its duties and responsibilities under this Agreement. The terms of this Section 6 will survive termination of this Agreement.

7. Performance of Duties — Neither party shall be liable for its failure to perform under this Agreement if such failure arises out of causes beyond the control and without the fault or negligence of such party. Such causes may include, but are not limited to, acts of God, fire, wars, terrorism, or strikes.

8. Attorneys’ Fees — The prevailing party shall be entitled to recover all costs and expenses incurred, including reasonable attorneys’ fees, in any litigation or other proceeding arising from or seeking to enforce the terms of this Agreement.

9. Captions — The captions used in this Agreement are for convenience only and shall not be used in interpreting, construing, performing or enforcing this Agreement.

10. Notices — Any notice or demand required, permitted, or desired to be given under this Agreement shall be delivered to the parties at the respective addresses identified above, and shall be addressed to that party’s president or chief executive officer. Any such notice shall be sent by a nationally-recognized overnight courier, for next-day delivery, in which case such notice will be deemed to have been received one business day after deposit with that courier.

11. Governing Law — This Agreement shall be construed and enforced according to the laws of the State of California. Any dispute arising out of, or relating to, this Agreement shall be settled by binding arbitration, conducted under rules and procedures established by the American Arbitration Association, in Los Angeles County, California. Judgment on the arbitration award may be entered in any court having jurisdiction.

12. Invalid Provisions — If any provision of this Agreement is declared or determined, by any court of competent jurisdiction, to be illegal or invalid, the validity of the remaining parts, terms or provisions of this Agreement shall not be affected thereby.

13. Creation of Agency — Nothing in this Agreement shall constitute or be construed to constitute or tending to create an agency, partnership, joint venture, master-servant or employer-employee relationship between “CNWB” and “Client”, in any respect, any other provision of this Agreement notwithstanding. This Agreement defines a Sales relationship only.

14. Entirety of Agreement — Each party to this Agreement acknowledges that this Agreement constitutes the entire Agreement of the parties with regard to the subject matters addressed in this Agreement, that this Agreement supersedes all prior or contemporaneous agreements, discussions, or representations, whether oral or written, with respect to the subject matter of this Agreement, and that this Agreement cannot be varied, amended, changed, waived, or discharged except by a writing signed by all parties hereto. Each party to this Agreement further acknowledges that no promises, representations, inducements, agreements, or warranties, other than those set forth herein, have been made to induce the execution of this Agreement by said party, and each party acknowledges that it has not executed this Agreement in reliance on any promise, representation, inducement, or warranty not contained herein.

15. AFFIRMATION OF AGREEMENT — You hereby acknowledge and affirm that you have read this entire agreement and that your act of clicking on the I AGREE button below constitutes your electronic signature and AGREEMENT to be bound by all of these Terms and Conditions.