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IMPORTANT NOTICE

This is to give you notice that Colorado State Bank and Trust, N.A. ("the Bank") has a business relationship with CSBT Mortgage Group ("the Mortgage Group"). The Bank and the Mortgage Group are wholly owned subsidiaries of BOK Financial Corp. Because of this relationship, this referral may provide the Bank a financial or other benefit.

Listed below is the estimated charge or range of charges by the Mortgage Group for the following settlement services:

Origination 0 to 1% of mortgage amount
Discount 0 to 3% of mortgage amount
Underwriting $495

You are not required to use CSBT Mortgage Group as a condition for purchase, sale or refinance of the 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.

ACKNOWLEDGEMENT

I/We have read this disclosure form and understand that Colorado State Bank and Trust, N.A. is referring me/us to purchase the above-described settlement services from CSBT Mortgage Group and may receive a financial or other benefit as the result of this referral.



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