To: ________________________________

Property: ________________________________

From: The AgentOwned Realty Company

Sales Associate/Loan Officer/Title Agent: _____________________________   Date: __________

The AgentOwned Realty Company ("AgentOwned Realty") provides residential real estate, mortgage financing, title insurance services and home warranty plans to its customers and markets to its customers the homeowners insurance services of an insurance agency. AgentOwned Realty is a licensed realty firm that assists its customers with the purchase and sale of residential real estate. AgentOwned Realty is also licensed as a mortgage broker to assist you in obtaining mortgage financing in connection with the purchase or refinancing of your property. AgentOwned Realty is also a licensed title insurance agency that can assist you in obtaining title insurance for your property. AgentOwned Realty can also assist you in obtaining a home warranty plan. AgentOwned Realty is also a marketing firm for an insurance agency, in which it has a 50% ownership interest, that can assist you in obtaining homeowners insurance. AgentOwned Realty receives a financial or other benefit for providing or marketing these services to you.

Set forth below is the estimated charge or range of charges by AgentOwned Realty and the marketed insurance agency for the services listed. You are NOT required to use AgentOwned Realty or its marketed insurance agency as a condition for purchasing or selling property, mortgage financing, title insurance, home warranty plan or homeowners insurance. 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.

REALTY SERVICES
Normally, the listing broker offers to pay us an approximately 3% real estate commission for the sale of improved property and approximately 5% for unimproved property. However, you as a buyer can choose to pay us all or a portion of this fee. The amount and terms of such an arrangement would be specified in a buyer's broker agreement.

MORTGAGE BROKERAGE SERVICES

Your Loan Amount		Our Broker Fee
Up to $150,000		The lesser of $2,400 or 2% of the Loan Amount plus $150.00
Over $150,000		1.5% of the Loan Amount plus $150.00

TITLE INSURANCE SERVICES
Binder: $75.00
Simultaneous Issue: $75.00
Minimum Premium: $75.00

HOME WARRANTY PLANS
One year coverage for $350-$450. The deductible and coverage varies according to the warranty company.

HOMEOWNERS INSURANCE SERVICES
Premium: Varies according to the amount of coverage purchased, deductible selected, age of dwelling, type of construction, and location of home among other factors such as, loss history and financial stability of the insured. However, for illustrative purposes, if the median value of homes sold in this area is $125,000, the corresponding average premium for a standard HO3 policy with replacement cost would be approximately $680.00 per year. The average premium in the example cited above could further be reduced by a variety of discounts ranging from new home discounts (extended to homes less than 10 years of age), protective devices, multi-policy and retired discounts among others.

ACKNOWLEDGMENT
I/we have read this disclosure form and understand that AgentOwned Realty is marketing to me/us the above-described settlement services and AgentOwned Realty receives a financial or other benefit for providing or marketing these services to me/us.

Rev 2/01/06