The estimated savings statement for Executive and Gold Star members is calculated over a 7-year period utilizing the following loan scenario and includes both interest and fees savings: home purchase in the state of California with a Loan-To-Value of 80%, Loan Amount= $250,000, Payment of $1,212, Interest Rate= 4.125%, Single Family, Primary Residence, FICO= 720, Term= 30yr. Executive Member APR=4.132%, Average Executive Membership level savings is $7,461 which includes the lender fees savings as of 5/21/2019. Gold Star Member APR=4.144%, Average Gold Star level savings is $7,161 which includes the lender fees savings as of 5/21/2019. Lender Fees include application, commitment, underwriting, processing fees or similar fees and PAYMENT DOES NOT include 3rd party fees, such as title insurance, appraisal, tax service, escrow and other such fees in which the lender does not profit and are passed directly through to the borrower. All fees are detailed in the Loan Estimate. Executive and Gold Star membership savings is compared to an average of national mortgage lenders in a comparative study conducted by Informa Research Services Inc. Individual savings may vary based on credit score, Loan-To-Value, location, Costco membership level, and loan amount, and is subject to loan requirements underwriting and approval. Marketing Approval Date 6/1/2019.

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 NY, and PR are originated by Berkshire Bank. Berkshire Bank is an FDIC insured Massachusetts chartered bank. Berkshire Hills Bancorp (NYSE: BHLB) is the parent of Berkshire Bank. First Choice Loan Services Inc. has no affiliation with First Choice Bank, chartered and located in California. Costco and its affiliates 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. Costco is not affiliated 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.

This website has been created and is maintained by Affinity Partnerships, LLC. (866.604.1460 or affinitypartnerships.com) under the direction and in agreement with First Choice Loan Services Inc. (NMLS #210764) and is solely responsible for its content. Affinity Partnerships, LLC is not a lender and the published results are not an offer or a loan commitment. Nothing contained herein shall be construed as legal or financial advice and we recommend you consult a qualified and licensed attorney or financial advisor as appropriate, prior to making any final decisions.

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