This is to give you notice that Mountain America Credit Union (“MACU”) has a business relationship with Mountain America Insurance Services LLC. (“MAIS”); in particular, that MACU holds an ownership interest in MAIS. Because of this relationship, this referral may provide MACU a financial or other benefit.

Set forth below is the estimated charge or range of charges for the settlement services listed. You are NOT required to use the listed provider(s) as a condition for settlement of your loan on the subject property.

THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES, AND YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.

MAIS charges the consumer no fees for quotes or to sell a policy. The annual premium for property and casualty insurance varies depending on a number of factors, including home replacement cost, policy terms and various risk factors.

By way of example, an annual insurance premium on a $200,000 home might be $700. MAIS may earn a commission in the range of 5-15% of the insurance premium.

Acknowledgement:

By continuing, I acknowledge that I have read this disclosure, and understand that MACU is referring me to purchase the above-described settlement service(s) and may receive a financial or other benefit as the result of this referral.