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Elmwood CHL Agreement

Affiliated Business Arrangement Disclosure

This is to give you notice that Elmwood Homes, LLC ("Elmwood Homes") has a business relationship with Twin Tree Mortgage, LLC ("Twin Tree"). MSEM Lending, LLC ("MSEMm) has a 49% ownership in Twin Tree. Elmwood Homes and MSEM have common ownership. Because of these relationships, this referral may provide Elmwood Homes and their common owners with 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 as a condition for the purchase or sale 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.

Service ProviderSettlement ServiceCharges or Range of Charges
Twin Tree Mortgage, LLCBrokering, Loan Processing1.750 - 3.000% of the principal loan

Acknowledgement
I/We have read this disclosure form and understand that Elmwood Homes is referring me / us to purchase the above described settlement service(s) and may receive a financial or other benefit as a result of this referral.

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