This is to give you notice that PENZIOX has a business relationship with PENZIOX Realty, LLC ("PFR") and PENZIOX Title, LLC ("PFT"). PFR is wholly owned by PENZIOX and this referral may provide PENZIOX 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 the purchase, sale, or refinance of the subject property. 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

PENZIOX Realty, LLC/Real Estate Commission

PENZIOX Title, LLC/Title Insurance and Closing