General Program Disclosures: Mortgage lead generation, and/or originations are provided by or through Berkshire Bank (NMLS# 506896) and its wholly
owned subsidiary First Choice Loan Services Inc. (NMLS #210764), located at One Tower Center, Floor #18, East Brunswick, NJ 08816. Berkshire Bank and
First Choice Loan Services Inc. are licensed, registered, or exempt from state licensing in the states in which they originate mortgage loans or lines of credit.
First Choice Loan Services Inc. is licensed by the N.J. Department of Banking and Insurance, and licensed by the Department of Business Oversight under the
California Residential Mortgage Lending Act. AZ BK #0918586. Loans in AR, NY, and PR are originated by Berkshire Bank. First Choice Loan Services Inc. has
no af;liation with First Choice Bank, chartered and located in California. Costco and its af;liates do not take loan applications, offer, negotiate, arrange or make
mortgage loans or lines of credit. Costco does not guarantee products or services offered by First Choice Loan Services Inc. Berkshire Bank is an FDIC
insured Massachusetts chartered bank. Berkshire Hills Bancorp (N YSE: BHLB) is the parent of Berkshire Bank. Costco is not af;liated with First Choice
or any participating lender. Costco does not endorse and is not responsible for any of the activities of First Choice or any of the participating lenders.
NMLS# 210764 SVC000455 0318
MORTGAGE: PURCHASE & REFINANCING
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