MORTGAGE PROTECTION PLANS to meet your needs and budget. OPTION 1 OPTION 2

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1 FIRST SERVICE CORPORATION Summary of MORTGAGE PROTECTION PLANS to meet your needs and budget. OPTION 1 OPTION 2 Value Priced - Mortgage Life Rates favor non-tobacco users Non-Tobacco & Tobacco user rates. Pays off scheduled insured balance of the loan up to the plan maximum if insured dies from any cause, except suicide within 2 years from the issue date. 1 or 2 borrowers can apply. 2-in-1 Life Plus Limited Benefit Life Death by NATURAL causes: Pays 24 Monthly Benefit Payments. Death by ACCIDENTAL causes: Pays off scheduled mortgage balance up to $100,000 PLUS 24 monthly benefit payments to survivors. Same low rate for all ages. OPTION 3 OPTION 4 Accidental Death Death from ACCIDENTAL causes - Pays off scheduled loan balance up to the plan maximum. Guaranteed Acceptance - No Health Questions Mortgage Disability Pays monthly benefit payments if work is missed due to a covered Sickness or Injury after 30 days of continuous disability. For a catalogue with complete information and an application, contact the mortgage department of your lender or call our insurance administrator, First Service Corporation, at either of the telephone numbers below. FIRST SERVICE CORPORATION Harper Avenue - Harper Woods, MI or info@fscinsurance.com Monday thru Friday - 9:00 am to 5:00 pm EST ND110-2

2 OPTION 1 MORTGAGE LIFE INSURANCE Benefits based on insurance amount at date of death OPTION 2 2 in 1 LIFE PLUS Limited Benefit Mortgage Life Insurance Single or Joint Coverage Available Partial Coverage Available Maximum Coverage $300,000 Minimum Coverage $10,000 Personal guarantor eligible for corporate loans One exclusion: Suicide first 2 years from coverage start date Premiums do not increase as you grow older Maximum eligible age: Thru age 69 Termination age: Age 75 Example: How to figure your monthly premium One person age 29, non-smoker Insurance $100, x $.12 = $12.00 Single Life Rates per $1000 per Month Age Non-Smoker Smoker Under 30 $0.12 $ $0.16 $ $0.20 $ $0.30 $ $0.46 $ $0.66 $ $0.96 $ $1.50 $ $2.38 $4.06 Joint coverage: Use age of older borrower. If either person has used tobacco in the last 12 months, regardless of age, use older person s Tobacco Rate. Joint Life Rates per $1000 per Month Age Non-Smoker Smoker Under 30 $0.18 $ $0.24 $ $0.30 $ $0.45 $ $0.69 $ $0.99 $ $1.44 $ $2.25 $ $3.57 $6.09 An inexpensive program to help your survivors adjust to losing you and your income but not losing their home HOW THIS PLAN PAYS BENEFITS IF DEATH BY ILLNESS, SICKNESS OR DISEASE Pays 24 monthly benefit payments to your mortgage lender giving survivors time to decide what to do with the house IF DEATH BY ACCIDENTAL CAUSES Pays off scheduled mortgage balance up to $100, PLUS Pays 24 monthly benefit payments to your survivors One or two borrowers eligible to apply Second borrower premium is discounted Choose the monthly benefit you want up to your monthly mortgage payment Maximum monthly benefit $2,000 Minimum monthly benefit $200 Personal guarantor eligible for corporate loans Premiums do not increase as you grow older Maximum entry age: Thru age 65, Coverage ends at 70 Same premium rate for all ages. Premium based on monthly benefit you choose, NOT on your loan balance or age Monthly Premium is a percentage of the monthly benefit you choose One Person - 2.5%, Two People - 4.0% HOW TO FIGURE YOUR PREMIUM Example: Monthly Benefit Chosen $600 One person: $600 x 2.5% = $15.00 Two persons: $600 x 4% = $24.00

3 MORTGAGE ACCIDENTAL DEATH Pay off mortgage loan balance for death by accident An accidental death is one that results from an external bodily injury that occurs unexpectedly and suddenly without the insured person s intent but includes smoke inhalation and drowning. No health questions or physical exams Eligibility: Everyone under age 70 automatically qualifies Coverage ends at age 75 Insure the whole mortgage balance or any part of it. One or Two borrowers can be insured for their loan Premium discount for second insured Personal guarantor eligible for corporate real estate loans Maximum coverage $300,000 Monthly rates per $1,000: One borrower.20 Two borrowers.30 The following are examples of an accidental death: 1. Drowning 2. Accidental smoke inhalation 3. Choking on gum or food 4. Motorcycle accidents 5. Gun shot wound 6. Accidental hanging 7. Electrocution 8. Commercial airline crash EXCLUSIONS OPTION 3 9. Pedestrian hit by an automobile 10. Farm tractor overturn 11. Kitchen grease fire 12. Crushed by a falling tree 13. Hunting accidents 14. Stab wound 15. Bath tub accidents This coverage does not pay for the death of any Insured Mortgagor caused by or contributed by, or as a consequence of or resulting from: (1) suicide or any attempted suicide while sane or insane; (2) sickness or disease of any kind; (3) bacterial infections, except pyogenic infections, which shall occur through an accidental cut or wound; (4) injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as a passenger, pilot or crew member of a regularly scheduled commercial aircraft used for the transportation of passengers; (5) declared or undeclared war and any act thereof; (6) service in the military, naval or air service of any country; (7) hernia; or (8) narcotics or drugs, except when administered on the advice of a physician. (See an insurance certificate for specific details.) MORTGAGE DISABILITY INSURANCE HOW THIS INSURANCE PLAN WORKS FOR YOU Your total monthly disability benefit payment will be the amount you apply for on your application for coverage. However, it cannot exceed the total amount of your monthly mortgage payment at the time you apply or the maximum noted below. INSURANCE DEFINITION OF BEING DISABLED You are considered totally disabled when you are under a doctor s regular care for an injury or illness other than mental, emotional, or nervous disorders; alcoholism; or drug addiction (subject to policy exclusions) that prevents you from performing the substantial duties of your occupation Coverage available for one or two mortgagors. Eligibility ages 18 thru 60 Coverage ends at 65 Maximum monthly benefit $1,500 Benefits begin after 30 days of continuous disability, starting with the 1st day. 1/30th of the insured benefit will be paid for each successive day of disability while under a doctor s care. The maximum benefit for each separate disability is 12 monthly insured benefit payments. Payments do not continue after your mortgage is paid-in-full or otherwise discharged. The monthly premium is based on a percentage of the monthly benefit to be insured. Age: Monthly Rate: 3.50% 4.00% 6.50% 9.00% EXAMPLE: AGE 35 BENEFIT $ Monthly Rate Total Monthly Mortgage Payment Monthly Cost 4.00% X $ = $20.00 EXCLUSIONS OPTION 4 There is no coverage for any disabilities caused by pregnancy or childbirth; elective abortion; intentionally self-inflicted injury; active participation in a riot; participation in the commission of a felony; flight in any device for aerial navigation other than as a passenger on an airplane operated by a government authorized commercial airline regularly flying scheduled routes; mental, emotional or nervous disorder; alcoholism or drug addiction; war or act of war, declared or undeclared. In addition if you have received medical advice, consultation or treatment for a sickness, disease or physical condition within 12 months before your enrollment, you are not covered for a disability due to that specific condition unless the disability occurs after you have been insured for 12 months or while receiving unemployment compensation from any State or Government related agency.

4 Administrative Office: Prairie Village, Kansas GROUP INSURANCE APPLICATION TO INDIVIDUAL ASSURANCE COMPANY, LIFE, HEALTH & ACCIDENT PLEASE PRINT BE SURE ALL QUESTIONS ARE ANSWERED NAME MORTGAGOR #1 NAME MORTGAGOR #2 #1 APPLYING FOR: MORTGAGE LIFE ACCIDENTAL DEATH #2 APPLYING FOR: MORTGAGE LIFE ACCIDENTAL DEATH 2-IN-1 LIFE PLUS DISABILITY Mo. Payment $ 2-IN-1 LIFE PLUS DISABILITY Mo. Payment $ MAILING ADDRESS - NUMBER & STREET MAILING ADDRESS - NUMBER & STREET CITY - STATE - ZIP CODE CITY - STATE - ZIP CODE TELEPHONE NUMBER TELEPHONE NUMBER HOME: ( ) CELL: ( ) HOME: ( ) CELL: ( ) ADDRESS (IF ADDITIONAL INFORMATION IS NEEDED) ADDRESS (IF ADDITIONAL INFORMATION IS NEEDED) DATE OF BIRTH AGE STATE OF BIRTH HEIGHT WEIGHT DATE OF BIRTH AGE STATE OF BIRTH HEIGHT WEIGHT FT. IN. LBS. FT. IN. LBS. OCCUPATION DESCRIBE DUTIES OCCUPATION. DESCRIBE DUTIES SECOND BENEFICIARY NAME RELATIONSHIP SECOND BENEFICIARY NAME RELATIONSHIP 1. To the best of your Knowledge or belief have you within the last (5) years have you been treated for or diagnosed as having Heart Trouble; Diabetes; Tumor; Cancer; High Blood Pressure; A Mental Disorder; Epilepsy; Rheumatic Fever; Alcoholism; Drug Addiction; Disorder of the Lungs; Stomach; Liver; Kidneys; Brain; Stroke; Nervous System; Back; Neck; Joints; or Acquired Immune Deficiency Syndrome (AIDS); AIDS Related Complex (ARC); or HIV Positive? YES NO If Yes circle condition(s) above and give details below 2. During the last (5) years have you consulted any doctor or other medical facility for any illness, injury or any other physical condition other than disclosed in 1 above? YES NO If YES give details below 4. Have you used tobacco in the last 12 months? YES NO 5. ANSWER THIS QUESTION IF APPLYING FOR DISABILITY: Are you now employed outside your home and regularly working in the occupation shown above on the basis YES NO of 30 hours or more per week or more? If NO explain in space below 1. To the best of your Knowledge or belief have you within the last (5) years have you been treated for or diagnosed as having Heart Trouble; Diabetes; Tumor; Cancer; High Blood Pressure; A Mental Disorder; Epilepsy; Rheumatic Fever; Alcoholism; Drug Addiction; Disorder of the Lungs; Stomach; Liver; Kidneys; Brain; Stroke; Nervous System; Back; Neck; Joints; or Acquired Immune Deficiency Syndrome (AIDS); AIDS Related Complex (ARC); or HIV Positive? YES NO If Yes circle condition(s) above and give details below 2. During the last (5) years have you consulted any doctor or other medical facility for any illness, injury or any other physical condition other than disclosed in 1 above? YES NO If YES give details below 4. Have you used tobacco in the last 12 months? YES NO 5. ANSWER THIS QUESTION IF APPLYING FOR DISABILITY: Are you now employed outside your home and regularly working in the occupation shown above on the basis YES NO of 30 hours or more per week or more? If NO explain in space below If you have answered Yes to question 1 or 2 or if you have answered No to question 5, give details below. USE REVERSE SIDE IF MORE SPACE IS NEEDED. Ailment Treatment Dates Medications Ailment Treatment Dates Medications Doctor's name Complete mailing address Doctor's name Complete mailing address Tel. No. ( ) Fax No. ( ) Tel. No. ( ) Fax No. ( ) All answers are true and complete to the best of my knowledge. To determine my insurability, or for claim purposes, I authorize any medical practitioner, insurance company, the Medical information Bureau, Inc., or a consumer reporting company to release any information about me or my physical or mental condition (including drug or alcohol abuse) to underwriting, medical or other representative of the insurance company shown at the top of this application. I understand that information will not be given to any person or organization except the following: reinsurers; the Medical Information Bureau, Inc.; or any other people or organizations who perform business or legal service in connection with this Application. This authorization is valid for 30 months from the date I sign it. A photocopy may be used as a legal document. I know that a consumer report may be needed to complete the processing of this Application. I may ask to be interviewed and to have this interview be used as part of this report. If I ask for it in writing, I may receive a copy of the report. I authorize my lender to collect the appropriate insurance premium(s) in accordance with its usual procedure. I have read this authorization and the Consumer Privacy Notice attached and understand that I or my representative can have copies. I have read and kept the brochures accompanying this form. THE FOLLOWING APPLIES ONLY TO DISABILITY COVERAGE: I UNDERSTAND THAT THE COVERAGE APPLIED FOR WILL NOT PAY BENEFITS FOR ANY LOSS INCURRED DURING THE FIRST TWELVE MONTHS AFTER THE ISSUE DATE CAUSED BY A DISEASE OF PHYSICAL CONDITION FOR WHICH I RECEIVED MEDICAL TREATMENT OR ADVICE DURING THE 12 MONTHS IMMEDIATELY PRIOR TO THE EFFECTIVE DATE OF THIS COVERAGE. X X Signature - Mortgagor #1 Date Signature - Mortgagor #2 Date MASTER POLICYHOLDER - CREDITOR-BENEFICIARY FOR INSURANCE INFORMATION CONTACT: Meijer Credit Union ACH FIRST SERVICE CORPORATION HARPER AVENUE HARPER WOODS, MICHIGAN (313) or Toll-Free GROUP # FS INFO@FSCINSURANCE.COM FSC 2008 THIS SECTION TO BE COMPLETED BY MORTGAGE LENDER MORTGAGEE Loan OFFICER LOAN NO. DATE LOAN NEW LOAN EXISTING LOAN I.D. OPENED TERM INITIAL CURRENT TOTAL REFINANCED FROM REMAINING INTEREST LOAN $ LOAN PAYMENT $ LOAN NO. MOS. RATE % BALANCE INCLUDING ESCROW COVERAGE(S) & AMOUNT DESIRED MORTGAGE LIFE (VALUE PRICED) 2 IN 1 LIFE PLUS ACCIDENTAL DEATH DISABILITY MORTGAGOR #1 $ $ BENEFIT $ $ MORTGAGOR #2 $ $ BENEFIT $ $ BENEFIT BENEFIT NOTICE: Any person who knowingly and with intent to injure, defraud, or deceive any insurance company or other person files an application for insurance containing any materially false, incomplete or misleading information, or conceals for the purpose of misleading. Information concerning any fact material thereto, is guilty of insurance fraud, which is a crime and may subject such person to civil and/or criminal penalties. IAC MC-1018 MI (REV 03 09)

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