Disclosures

Mortgage Assistance Relief Services Disclosure

The following disclosures are provided voluntarily by ClearMark in the interest of consumer transparency. While PMI cancellation assistance may not fall within the scope of the Mortgage Assistance Relief Services Rule (12 C.F.R. Part 1015), ClearMark provides the following consumer protections:

1. ClearMark, LLC is not associated with the government, and our service is not approved by the government or your lender.
2. Even if you accept this offer and use our service, your lender may not agree to change your loan, including by cancelling your PMI.
3. You may stop doing business with ClearMark at any time. You may accept or reject the outcome of our service. If PMI is not successfully removed, you do not have to pay us. If PMI is successfully removed, you will have to pay the service fee described in your Service Agreement.
4. You have the right to contact your mortgage servicer directly to request PMI cancellation at no cost under the Homeowners Protection Act (12 U.S.C. Section 4901 et seq.). ClearMark's service is optional, and your rights under the Homeowners Protection Act exist independently of any agreement with ClearMark.

No Affiliation with Lenders or Government

ClearMark, LLC is not affiliated with your lender, mortgage servicer, mortgage insurer, any government-sponsored enterprise (GSE), or any government agency. We are an independent service provider that helps homeowners navigate the PMI cancellation request process.

Pursuant to the Utah Consumer Sales Practices Act (Utah Code Section 13-11-4.1), ClearMark, LLC is not sponsored by or affiliated with any financial institution that holds your mortgage account. ClearMark is an independent service provider. ClearMark's name, address, and contact information are:

ClearMark, LLC
7533 S Center View Ct #5755, West Jordan, UT 84084
Email: support@clearmarkhome.com

No Guarantee of PMI Cancellation

PMI cancellation is not guaranteed. Results depend on:

• Your servicer's evaluation and investor guidelines
• Current property value (which may differ from automated estimates)
• Loan-to-value (LTV) ratio
• Loan seasoning requirements (time since origination)
• Payment history and current standing
• Loan type (conventional, FHA, VA, etc.)
• Applicable federal and state regulations

ClearMark's eligibility analysis is based on publicly available data, third-party valuation models, and information provided by you. Actual property value may differ from automated valuation estimates. A formal appraisal, if required, may yield a different value.

Note: ClearMark's service applies to conventional mortgage loans with private mortgage insurance (PMI). FHA loans have mortgage insurance premiums (MIP), which are governed by different rules. VA loans do not carry PMI. If you have an FHA or VA loan, ClearMark will advise you during the eligibility screening process.

Estimates are informational and not guaranteed.

Not Legal, Tax, or Financial Advice

ClearMark's services do not constitute legal, tax, or financial advice. The information and services we provide are for informational and documentation coordination purposes only. We are not licensed attorneys, tax professionals, or financial advisors. You should consult with appropriate professionals for advice specific to your situation.

Nothing in our communications, website content, or documentation should be construed as legal, tax, or financial advice.

Fee Structure Disclosure

• Service Fee: $1,500 (or $1,400 if the pay-in-full option is selected)
• When Charged: Only after your servicer confirms PMI has been removed ("Confirmed PMI Removal"). No advance fee is collected.
• Appraisal Costs: ClearMark pays for the property appraisal (typically $350–$500). This cost is included in the service fee — you pay nothing additional.
• Credit Card Surcharge: A 3% surcharge applies to monthly credit card payments, as disclosed at the time of payment method selection. This surcharge does not apply in states where credit card surcharges are prohibited (Connecticut, Massachusetts, Maine) or where lower caps apply (Colorado, 2%).
• No Hidden Fees: There are no other fees, charges, or costs beyond what is described above.

Results May Vary

Results may vary based on property condition, servicer requirements, investor guidelines, and market conditions. Factors that may affect results include:

• Current condition and maintenance of your property
• Recent improvements or renovations
• Local real estate market conditions and comparable sales
• Your servicer's and investor's specific appraisal and LTV requirements
• Changes in property values since loan origination

Past performance or results achieved by other customers should not be interpreted as a guarantee of similar results for your situation.

Third-Party Valuation Data

Our preliminary valuations are based on data from third-party providers and automated valuation models (AVMs). These valuations are estimates and may differ from a formal appraisal conducted by a licensed appraiser. The formal appraisal may result in a different property value than our preliminary estimate.

Homeowners Protection Act (HPA) — Your Independent Rights

Under the Homeowners Protection Act of 1998 (12 U.S.C. Section 4901 et seq.):

• You may request PMI cancellation when your loan-to-value ratio reaches 80% of the original property value, provided you meet payment history and other requirements.
• Your servicer must automatically terminate PMI when your loan-to-value ratio reaches 78% of the original property value based on the original amortization schedule.
• These rights exist independently of ClearMark's service. You may exercise them directly with your servicer at any time, at no cost.

ClearMark's service focuses on helping homeowners who may be eligible for PMI removal based on current property value (which may be higher than the original purchase price due to market appreciation), rather than waiting for the default amortization schedule.

Current-value-based cancellation is not governed by the HPA itself, but by your servicer's and loan investor's guidelines (such as Fannie Mae Servicing Guide B-8.1-04 and Freddie Mac Guide Section 4701.5). These guidelines generally require: (a) a current loan-to-value ratio of 80% or less (or 75% for loans seasoned 2–5 years), and (b) a property appraisal ordered through the servicer.

Data Breach Notification

In the event of a security breach involving your personal or financial information, ClearMark will notify affected individuals within thirty (30) calendar days of discovery, in accordance with applicable federal and state law.

Complaints and Regulatory Contacts

If you have a complaint about ClearMark's services, please contact us first at support@clearmarkhome.com. If you are not satisfied with our response, you may contact:

• Consumer Financial Protection Bureau (CFPB): consumerfinance.gov/complaint or 1-855-411-2372
• Utah Division of Consumer Protection: consumerprotection.utah.gov or 1-801-530-6601
• Your state attorney general's office — contact information is available at naag.org

Contact Us

If you have questions about these disclosures, please contact us at:

ClearMark, LLC
7533 S Center View Ct #5755, West Jordan, UT 84084
Email: support@clearmarkhome.com