I am all for an exclusivity rule, the rat race of first with signed docs causes not only an organizational disaster with the lender, but its inevitable that you'll have ISOs pissed off at losing "their" deal or ISOs that think they got screwed and will be on DF blasting the lender as stealing their deals because their not a "big shop" and dont get the same respect or service. And finally, you'll have a merchant thats been given X amount of offers from the same lender from X amount of ISOs who all explained the deal differently and some who promised things that are not accurate. Merchant gets funded, and 30 days later calls the lender pissed off because he cant renew at 10% paid in like one of the brokers promised him. And day 31 is an R08.