Affiliated Business Arrangement Disclosure

This is to give you notice that Forward Home Lending, LLC dba Sage Mortgage and each of the entities listed below are part of a family of affiliated companies and each may refer to you the services of another. Because of these relationships, any referrals of you by any of these companies may provide the referred company, its direct or indirect parent, and their respective employees with a financial or other benefit.

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 of the purchase or sale of the subject property, for the settlement of any loan, or to obtain access to any other settlement service.

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

Entity: Bankrate, LLC

Settlement Service: Mortgage Broker, Lead Generator

Charge or Range of Charges: $0

Entity: Forward Home Lending, LLC dba Sage Mortgage

Settlement Service: Mortgage Broker & Mortgage Lender

Charge or Range of Charges: 0-3% of the loan amount.

Entity: Sage Home Loans Corporation

Settlement Service: Mortgage Broker & Mortgage Lender

Charge or Range of Charges: 0-3% of the loan amount.

Entity: BR Tech Services, Inc.

Settlement Service: Mortgage Broker, Real Estate Broker, Lead Generator

Charge or Range of Charges: $0

Entity: Coverage.com, LLC

Settlement Service: Insurance Producer (NPN: 19966249)

Charge or Range of Charges: $0

Entity: Homeinsurance.com, LLC

Settlement Service: Insurance Producer (NPN: 8781838)

Charge or Range of Charges: $0

Entity: Nexuss Lender Services of Alabama, LLC

Settlement Service: Title Company

Charge or Range of Charges: 0-2% of the loan amount.

Entity: Nexuss Lender Services of Arkansas, LLC

Settlement Service: Title Company

Charge or Range of Charges: 0-2% of the loan amount.

Entity: Nexuss Lender Services, LLC

Settlement Service: Title Company

Charge or Range of Charges: 0-2% of the loan amount.

Entity: Texas Premier Settlement Services, LLC

Settlement Service: Title Company

Charge or Range of Charges: 0-2% of the loan amount.

ACKNOWLEDGEMENT

By clicking to accept or exit this disclosure, I/we acknowledge that I/we have read this disclosure form and understand that the entities above may refer me/us to purchase the above-described settlement service(s) from one another and that any such referrals may provide the referred company, its direct or indirect parent, and their respective employees with a financial or other benefit.