Last Updated: June 27, 2004

Notice
To: Prospective Borrower
Property: To be determined

From: US Preferred Realty, Inc. This is to give you notice that US Preferred Realty, Inc. ("US Preferred Realty") has a business relationship with AMS, Inc. ("AMS") in that US Preferred Realty and AMS share a common director on their respective Boards of Directors. Because of this relationship, this referral may provide US Preferred Realty 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 settlement of your loan on or 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 and Settlement Services

AMS, Inc. a mortgage lender and mortgage broker Charge or Range of Charges AMS, Inc. offers loans with varying interest rates and associated points ranging from 0% to 4%, and closing costs estimated at $600 to $980, or other amounts as may be appropriate. You will receive from AMS a Good Faith Estimate of the closing costs for the loan product you select. In some instances, AMS may act as a mortgage broker, for compensation ranging from $500 to $4,000.

ACKNOWLEDGMENT

I/we have read this disclosure form, and understand that US Preferred Realty is referring me/us to AMS for the above-described settlement service(s) and may receive a financial or other benefit as the result of this referral.