FH - ABAD | First Home Program | Long & Foster

Affiliated Business Arrangement Disclosure Statement

This is to give you notice that Long & Foster Real Estate, Inc. (“Long & Foster”), also doing business as Virginia Properties, Evers & Company Real Estate, and Northrop Realty,and the settlement service providers listed in the table below are part of a family of companies (the “Affiliated Companies”) owned by Berkshire Hathaway, Inc. (“Berkshire Hathaway”), and each may refer to you the services of another. Each of the Affiliated Companies is indirectly owned, in whole or in part, by a common parent, HomeServices of America, Inc. (“HSoA”), a Berkshire Hathaway affiliate. The percentage of indirect ownership interest held by HSOA in each Affiliated Company is indicated in the table. Silverton Mortgage is a whollyowned indirect subsidiary of Clayton Homes, a Berkshire Hathaway affiliate. Because of these relationships, the referral of a customer (including you) by any of the Affiliated Companies to another may provide the referring company, its affiliates, and/or their employees with a financial or other benefit

While Long & Foster Insurance Agency, Inc. (“LFIA”), an Affiliated Company, does not have common ownership with Home Buyers Resale Warranty Corporation doing business as 2-10 Home Buyers Warranty (“2-10”) or Cinch Home Services,Inc. ("Cinch Home Services"), it does advertise them for a fixed service fee

Mid-States Title Insurance Agency, Inc. (“Mid-States”), a Long & Foster affiliate, has business relationships with the following unaffiliated closing attorneys, pursuant to which Mid-States advertises these firms for a fixed service fee: Crawford and Keller, PLLC; Baird Mandalas Brockstedt, LLC; and Giordano, DelCollo, Werb & Gagne, LLC.

AFFILIATED COMPANIES
SECTION A: Settlement of Your Loan and / or Title Insurance
Guaranty Title (NC) (d/b/a of Sage Title Group, LLC) (100%) Infinity Settlements Agency (PA) (d/b/a of Sage Title Group, LLC) (100%)
Infinity Title Agency (NJ) (d/b/a of Sage Title Group, LLC) (100%) RGS Property Closing Services (PA) (d/b/a of RGS Title LLC) (100%)
Sage Premier Settlements (PA, NJ, DE, MD) (d/b/a of Sage Title Group, LLC) (100%) RGS Title LLC (VA, MD, DC, WV) (100%)
Sage Title Group, LLC (VA, MD, DC, WV) (100%) Trident Land Transfer Company LP (PA, DE) (100%)
Bon Air/Long & Foster Title Agency LLC (VA) (50%) Trident Land Transfer Company (NJ), LLC (NJ) (49%)
Attorneys Title Holdings, Incorporated (NC) (100%) Premier Service Abstract, LLC (NJ) (49%)
SECTION B: Property / Hazard / Flood Insurance
Long & Foster Insurance Agency, Inc. (100%) Trident Insurance Agency Company (d/b/a of HomeServices Insurance, Inc.) (100%)
HomeServices Insurance, Inc. (100%) HomeServices Insurance Northeast, LLC (50%)
SECTION C: Mortgage Services
Prosperity Home Mortgage, LLC (100%) Thoroughbred Mortgage (d/b/a of Silvermine Ventures LLC) (100%)
Silverton Mortgage (d/b/a of Vanderbilt Mortgage and Finance, Inc.)(100%) Trident Mortgage Company LP (100%)
SECTION D: Real Estate Services
Berkshire Hathaway HomeServices ® Fox & Roach, REALTORS (PA, NJ, DE, MD) (d/b/a of Fox & Roach LP) (100%) Berkshire Hathaway HomeServices Carolinas Realty, York Simpson Underwood Realty, Yost & Little Realty, and Pinehurst Realty Group (d/b/a of Preferred Carolinas Realty, Inc.) (NC, SC) (100%)
Houlihan Lawrence, Inc. (NY, CT) (100%)

Set forth below is the estimated charge or range of charges for each of the services listed. You are NOT required to use any of these service providers as a condition of the sale of the subject property or to obtain access to any 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.

PROVIDER SETTLEMENT SERVICE ESTIMATED RANGE OF CHARGES
Providers listed in Section A above Settlement Fees, including Document Preparation, Title Search & Exam Fees $0 - $2,000
Fees vary depending on transaction type and state
Title Charges See Title Insurance Chart below
Providers listed in Section B above Homeowner’s Insurance $300 - $10,000 plus per year; charges may vary based on coverage requested and other factors including multi-unit properties.
Flood Insurance Flood insurance is not included in this estimate but may be available for an additional fee and may be lender required.
Providers listed in Section C above Loan Origination Fee $0 - $1,945; or up to 2.75% of the loan amount
Appraisal $300 - $1,102 (may exceed for complex appraisal)
Third Party Fees $9.75 - $310
Providers listed in Section D above Real Estate Brokerage Services 3%-10% of the sales price plus up to $1,200

1Northrop Realty is also a trade name for The Northrop Team, P.C. (“Northrop”), a separate realty company that operates under Long & Foster’s real estate license. Northrop is not an “Affiliated Company” as that term is used in this Affiliated Business Arrangement Disclosure.

TITLE INSURANCE FOR AFFILIATES

ESTIMATE OF RANGE OF CHARGES GENERALLY MADE BY PROVIDER

STATE SALES PRICE PREMIUM FOR AFFILIATES
DE First $100,000
$100,001 - $1,000,000
$1,000,001-$5,000,000
$4.60 per $1,000 of coverage
add $3.90 per $1,000 of coverage
add $3.25 per $1,000 of coverage
Enhanced policy is 120% of above rates. Simultaneous issue of Lenders’ Policy (DE) is $25. Lender required endorsements are $50 each. Closing Protection Letter (CPL) per Lender Policy is $125.
DC First $250,000
$250,001 - $500,000
$500,001 - $1,000,000
$1,000,001-$5,000,000
$6.84 per $1,000 of coverage
add $6.12 per $1,000 of coverage
add $5.40 per $1,000 of coverage
add $4.68 per $1,000 of coverage
Simultaneous issue of Lenders’ Policy (DC) is $150. Closing Protection Letter (CPL) per Lender Policy is $50.
MD First $250,000
$250,001 - $500,000
$500,001 - $1,000,000
$1,000,001- $2,000,000
$5.75 per $1,000 of coverage
add $4.90 per $1,000 of coverage
add $4.20 per $1,000 of coverage
add $3.30 per $1,000 of coverage
Simultaneous issue of Lenders’ Policy (MD) is $150.
NJ First $100,000
$100,001 - $500,000
$500,001 - $2,000,000
$5.25 per $1,000 of coverage
add $4.25 per $1,000 of coverage
add $2.75 per $1,000 of coverage
Enhanced policy is 120% of above rates. Simultaneous issue of Lenders’ Policy is $25. Lender required endorsements are $25 each. Closing Service Letter per Lender Policy is $75.
NC First $250,000
$250,001 - $500,000
$500,001 - $2,000,000
$2,000,001 - $7,000,000
$2.51 per $1,000 of coverage
add $1.96 per $1,000 of coverage
add $1.28 per $1,000 of coverage
add $0.98 per $1,000 of coverage
Enhanced policy 120% of above rates. Simultaneous issue of Lenders’ Policy is $26. Closing Protection Letter is an additional 10% if lenders’ policy issued. Premium for issuance of commitment is $15. Lender required endorsements are $20 each.
PA First $30,000
$30,001 - $45,000
$45,001 - $100,000
$100,001 - $500,000
$500,001 - $1,000,000
$1,000,001-$2,000,000
$569.00 flat fee
add $7.41 per $1,000 of coverage
add $6.27 per $1,000 of coverage
add $5.70 per $1,000 of coverage
add $4.56 per $1,000 of coverage
add $3.42 per $1,000 of coverage
Lender-required endorsements (PA) are $50-$500. Closing Protection Letter (CPL) per Lender Policy is $125.
VA First $250,000
$250,001 - $500,000
$500,001 - $1,000,000
$1,000,001- $2,000,000
$4.68 per $1,000 of coverage
$4.44 per $1,000 of coverage
$4.08 per $1,000 of coverage
$2.70 per $1,000 of coverage
Simultaneous issue of Lender’s Policy (VA) is $150. Closing Protection Letter (CPL) per Lender Policy is $20.
WV First $100,000
$100,001 - $500,000
$500,001 - $2,500,000
$4.68 per $1,000 of coverage
add $4.08 per $1,000 of coverage
add $3.60 per $1,000 of coverage
Enhanced policy is 120% of basic rates. Simultaneous issue of Lender’s Policy is $100. Title insurance commitment fee per policy will not exceed $100
CONTRACTED PROVIDERS
PROVIDER SETTLEMENT SERVICE ESTIMATED RANGE OF CHARGES
2-10 Home Buyers Warranty/Cinch Home Services Home Warranty $499 - $1,620, depending on property and optional coverage

ACKNOWLEDGEMENT: I/we have read this disclosure form and understand that the Affiliated Companies may refer me/us to purchase the above described settlement service(s) from one another and that any such referrals may provide the referring company, its affiliates, and/or their employees with a financial or other benefit. I/we also understand that LFIA receives fixed fees for advertising, and related services performed for 2-10 Home

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