Disclosures and Licensing

Legal Disclaimer:

Title agency and escrow services are provided by licensed entities in the applicable jurisdictions, as further detailed below. Spruce, through its licensed subsidiaries, provides services to customers that are regulated by State and Federal agencies. Spruce is committed to providing compliant services and should it be required to make changes to its services due to a federal or state requirement, it will do so with or without notice to you. Programs, products and advertised rates are based upon currently available information, and are deemed to be reasonably accurate at the time of publication, but are subject to change without notice. All services are subject to underwriting approval and additional verifications. We do not provide legal or tax advice; consult your legal or tax advisor(s) for legal or tax information.

Affiliated Business Arrangement Disclosure

This is to give you notice of business relationships among the following providers. Zillow, Inc. (“ZINC” which operates Zillow.com); Zillow Group Marketplace, Inc. (“ZGMI”); Zillow Home Loans, LLC (“ZHL”); Spruce Land Services LLC (“Spruce”); Spruce Land Services West LLC (“Spruce West”); Spruce Land Services Southwest LLC (“Spruce Southwest”); Spruce Land Services of Louisiana, LLC (“Spruce Louisiana”); Spruce Land Services of Alabama, LLC (“Spruce Alabama”); Zillow Closing and Escrow Services CA, Inc. (“ZCS CA”); and Zillow Insurance Services, Inc. (“ZIS”) are affiliated companies and each may refer to you the services of another. ZINC, ZGMI, ZHL, Spruce, Spruce West, Spruce Southwest, Spruce Louisiana, Spruce Alabama, ZCS CA, and ZIS (collectively, the “Zillow Companies”) are each indirectly wholly owned by Zillow Group, Inc. (“Zillow Group”), through one or more subsidiaries. Because of these relationships, any referrals of you by any of the Zillow Companies may provide the referred company, its direct or indirect parent (including Zillow Group), and their respective employees with a financial or other benefit.

Licensing

Zillow Closing Services Holdco, LLC is licensed in the following states:

Alabama

Spruce Land Services of Alabama, LLC

3000960787

Alabama

Spruce Land Services of Alabama, LLC

3000960787

Alaska

Local Agent Referral

N/A

Alaska

Local Agent Referral

N/A

Arizona

Spruce Land Services Southwest LLC

3000470399 (title) EA-0950306 (escrow)

Arizona

Spruce Land Services Southwest LLC

3000470399 (title) EA-0950306 (escrow)

Arkansas

Underwriter Partner

N/A

Arkansas

Underwriter Partner

N/A

California

Spruce Title Company

N/A

California

Spruce Title Company

N/A

Colorado

Spruce Land Services LLC

538565

Colorado

Spruce Land Services LLC

538565

Connecticut

CT Attorney Partner

N/A

Connecticut

CT Attorney Partner

N/A

Delaware

Spruce Land Services LLC

3000043207

Delaware

Spruce Land Services LLC

3000043207

District of Columbia

Spruce Land Services LLC

3000070103

District of Columbia

Spruce Land Services LLC

3000070103

Florida

Spruce Land Services LLC

W373451

Florida

Spruce Land Services LLC

W373451

Georgia

Spruce Land Services LLC

195927

Georgia

Spruce Land Services LLC

195927

Hawaii

Local Agent Referral

N/A

Hawaii

Local Agent Referral

N/A

Idaho

Underwriter Partner

N/A

Idaho

Underwriter Partner

N/A

Illinois

Spruce Land Services LLC

TA.36.4002836 & TA.08.4006806 & TA.15.4007383 & TA.13.4008699

Illinois

Spruce Land Services LLC

TA.36.4002836 & TA.08.4006806 & TA.15.4007383 & TA.13.4008699

Indiana

Spruce Land Services LLC

3206750

Indiana

Spruce Land Services LLC

3206750

Iowa

Underwriter Partner

N/A

Iowa

Underwriter Partner

N/A

Kansas

Spruce Land Services LLC

371833804-000

Kansas

Spruce Land Services LLC

371833804-000

Kentucky

Spruce Land Services LLC

No License Required

Kentucky

Spruce Land Services LLC

No License Required

Louisiana

Spruce Land Services of Louisiana

908334

Louisiana

Spruce Land Services of Louisiana

908334

Maine

Spruce Land Services LLC

AGN279205 (title) RSA411 (RESA)

Maine

Spruce Land Services LLC

AGN279205 (title) RSA411 (RESA)

Maryland

Spruce Land Services LLC

3000106833

Maryland

Spruce Land Services LLC

3000106833

Massachusetts

Spruce Land Services LLC

No License Required

Massachusetts

Spruce Land Services LLC

No License Required

Michigan

Spruce Land Services LLC

111164

Michigan

Spruce Land Services LLC

111164

Minnesota

Spruce Land Services LLC

40503440

Minnesota

Spruce Land Services LLC

40503440

Mississippi

Spruce Land Services LLC

15030721

Mississippi

Spruce Land Services LLC

15030721

Missouri

Spruce Land Services LLC

8420204

Missouri

Spruce Land Services LLC

8420204

Montana

Spruce Land Services LLC

3000037245

Montana

Spruce Land Services LLC

3000037245

Nebraska

Spruce Land Services LLC

100260594

Nebraska

Spruce Land Services LLC

100260594

Nevada

Spruce Land Services Southwest LLC

3387692

Nevada

Spruce Land Services Southwest LLC

3387692

New Hampshire

Spruce Land Services LLC

2356482

New Hampshire

Spruce Land Services LLC

2356482

New Jersey

Spruce Land Services LLC

1622704

New Jersey

Spruce Land Services LLC

1622704

New Mexico

Underwriter Partner

N/A

New Mexico

Underwriter Partner

N/A

New York

Spruce Land Services LLC

TLA-1439646

New York

Spruce Land Services LLC

TLA-1439646

North Carolina

Spruce Land Services LLC

1000507121

North Carolina

Spruce Land Services LLC

1000507121

North Dakota

Spruce Land Services LLC

3000043538

North Dakota

Spruce Land Services LLC

3000043538

Ohio

Spruce Land Services LLC

1132172

Ohio

Spruce Land Services LLC

1132172

Oklahoma

Spruce Land Services LLC

100276876

Oklahoma

Spruce Land Services LLC

100276876

Oregon

Spruce Land Services West LLC

201229147 (escrow); Underwriter Partners (title)

Oregon

Spruce Land Services West LLC

201229147 (escrow); Underwriter Partners (title)

Pennsylvania

Spruce Land Services LLC

798279

Pennsylvania

Spruce Land Services LLC

798279

Rhode Island

Spruce Land Services LLC

3000042877

Rhode Island

Spruce Land Services LLC

3000042877

South Carolina

Spruce Land Services LLC

1911782810

South Carolina

Spruce Land Services LLC

1911782810

South Dakota

Underwriter Partner

N/A

South Dakota

Underwriter Partner

N/A

Tennessee

Spruce Land Services LLC

2357692

Tennessee

Spruce Land Services LLC

2357692

Texas

Spruce Land Services Southwest LLC

2396770

Texas

Spruce Land Services Southwest LLC

2396770

Utah

Underwriter Partner

License in Process

Utah

Underwriter Partner

License in Process

Vermont

Spruce Land Services LLC

3190913

Vermont

Spruce Land Services LLC

3190913

Virginia

Spruce Land Services LLC

140863 (title/RESA)

Virginia

Spruce Land Services LLC

140863 (title/RESA)

Washington

Spruce Land Services Southwest LLC

1040901

Washington

Spruce Land Services Southwest LLC

1040901

West Virginia

Spruce Land Services LLC

100233114

West Virginia

Spruce Land Services LLC

100233114

Wisconsin

Spruce Land Services LLC

18055953

Wisconsin

Spruce Land Services LLC

18055953

Wyoming

Underwriter Partner

N/A

Wyoming

Underwriter Partner

N/A

Spruce® is a registered trademark of MFTB Holdco, Inc.

©2024 Zillow Closing Services Holdco, LLC; All Rights Reserved.

Spruce® is a registered trademark of MFTB Holdco, Inc.

©2024 Zillow Closing Services Holdco, LLC; All Rights Reserved.

Spruce® is a registered trademark of MFTB Holdco, Inc.

©2024 Zillow Closing Services Holdco, LLC;

All Rights Reserved.