AFFILIATED BUSINESS AGREEMENT DISCLOSURE

Please be advised that you are leaving the KNBT website at www.knbt.com to access information about KNBT Abstractors, Inc. and KNBT Traditions Settlement Services, LLC, which both operate as subsidiaries of Keystone Nazareth Bank & Trust (KNBT). Because of these relationships, this referral may provide KNBT a financial or other benefit. Please note that KNBT will not furnish any service, or fix or vary consideration for obtaining a service, on the condition that you obtain some additional credit, insurance or other service from KNBT or any of its subsidiaries.

Abstractors, Inc. and Traditions Settlement Services, LLC were established to conveniently provide title insurance services for mortgage customers. You are not required to use Abstractors, Inc. or Traditions Settlement Services, LLC as a condition for the approval of your KNBT Mortgage Application. 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.

Abstractors, Inc. and Traditions Settlement Services, LLC, will provide mortgage closing and title insurance coverage for you at competitive rates.

Set forth below is a schedule of estimated Pennsylvania Policy Rates:

Amount of Insurance		Cost Factor		Plus		On Amount Over
Up to $30,000 $30,001 - $45,000 $45,001 - $100,000 $100,001 - $500,000 $500,001 - $1,000,000 $1,000,001 - $2,000,000 $2,000,001 - $7,000,000 $7,000,001 - $30,000,000		$420.00 $420.00 $528.75 $858.75 $2,858.75 $4,733.75 $7,483.75 $17,483.75		-- $7.25/$1,000 $6.00/$1,000 $5.00/$1,000 $3.75/$1,000 $2.75/$1,000 $2.00/$1,000 $1.50/$1,000		-- $30,000 $45,000 $100,000 $500,000 $1,000,000 $2,000,000 $7,000,000
* Rates set forth herein are reflective of the Manual of Rates