Costco Connection - April 2007

Costco member benefits are not available through Lending Tree.com. Lending Tree is a duly licensed real estate broker and mortgage broker as required. Home loan programs are available in all states in which Costco operates except as follows: Mortgage and Refinancing is not available in Alabama. Home Equity Financing is not available in Alabama or Tennessee. For a current list of applicable state licensing disclosures, see the Web site or call for details. LendingTree is required to disclose the following licenses by state la w (current as of May 1, 2006): AZ Mortgage Broker License #MBBR-0102663; Licensed Real Estate Broker, CA Department of Real Estate, (916) 227-0931, License #01230150; CA Finance Lender; CT Mortgage Broker (not a CT Mortgage Lender); GA Residential Mortgage Licensee; IL Residential Mortgage Licensee, License #5433; KS Licensed Mortgage Co., #99-827; Licensed Mortgage Lender, MD Department of Labor, Licensing and Regulation, License #4737; MA Licensed Mortgage Broker, License #MB1942; MS Licensed Mortgage Co.; MO mortgage broker license 05-1261 with an office at 10805 Sunset Office Drive, Suite 312, St. Louis, MO 63127; Licensed by the New Hampshire Department of Banking; LT Technologies, in lieu of true name Lending Tree, Inc., Registered Mortgage Broker - NYS Banking Department; Licensed Mortgage Broker - NJ Department of Banking and Insurance; OH Mortgage Broker Registrations, MB 3006 & MB 3007, 37812 Second St., Willoughby, OH 44094; Licensed First Mortgage Broker, PA Department of Banking (also licensed pursuant to PA Secondary Mortgage Loan Act); RI Licensed Broker; Licensed by the Virginia State Corporation Commission MB-1120. In California, this solicitation is made by Costco Financial Services, Inc., which is licensed by the California Department of Real Estate (License #01235998). Costco and its affiliates do not negotiate, arrange or make loans or list or sell homes.

¹Incentive is based on home price and a 6% commission, split 50/50 between buying and selling agent. Commissions vary between areas, companies and agents. Be sure to verify with your real estate agent what the commission percentage is on your transaction as this will affect the amount of your incentive. Not available in AK, IA, KS, LA, MO, MS, NJ and OK and available in modified terms in AL, OR, SD and TN. Savings based on ne w incentive schedule effective 3/29/07. See the Web site for details. ²$1,500 savings based on historical comparison of rates, fees and points for a $185,000 30-year fixed rate loan, comparing loans obtained by Costco members through Lending Tree from January 1, 2007, to January 31, 2007, to the national average provided in the Freddie Mac Primary Mortgage Market Survey (PMMS) for the same period. Individual member savings may vary. The $1,500 savings is not a cash incentive. ³To receive the additional $150 Cash Card you must ( 1) submit a mortgage refinance, purchase or home equity request and a Find a REALTOR^®request via the Costco program available through Lending Tree.com; ( 2) use the same membership number for both transactions and ( 3) close both transactions within 45 days of each other. Not available in AK, IA, KS, LA, MO, MS, NJ and OK, and available on modified terms in AL, OR, SD and TN. See the Web site for details. Costco Cash cards will be received 6-8 weeks after closing.