Prospect graphic standards - Secure-DX Support

PROSPECT MORTGAGE GRAPHIC STANDARDS

For Professional Use Only

CONTENTS

Logo Versions ................................................................................ ............................ 3 Logo Colors .................................................................................... ............................ 4 Type Faces (for logos and text) ................................................................................. 5 Logo Placements .........................................................................................................6 Logo Do's & Don'ts ......................................................................................................7 Disclaimers ................................................................................................................. 8

Prospect Mortgage Graphic Standards has been developed to establish and ensure consistency in branding our company name and corporate identity. By maintaining standardization in style, layout and overall presentation, we communicate to everyone our image and product which is to deliver excellent customer service and cement strong relationships with our clients. This first edition of our graphic standards manual covers basic guidelines and layout designs when using the Prospect Mortgage corporate identity. For special considerations or questions regarding usage of our logos or disclosure requirements, please contact Prospect Mortgage Marketing Department at 1-800-464-2484.

2 Prospect Mortgage Graphic Standards

LOGO VERSIONS

THE PROSPECT MORTGAGE LOGO

The Prospect Mortgage logo consists of three parts: The rounded square insignia with four swoops within the icon, the main text of the company name, and the tagline. The insignia design is geared to meeting the objective of showing a breakthrough and perseverance in going forward in all directions, maintaining the company's strenghs, uniformity and expansion nationwide. It represents the symbolism of movement, speed and direction.

Though we would prefer to use the logo in Diagram A, for certain promotional items and signs, you can typeset the logo as show in Diagrams B, C or D, in that order of preference. If the letters in the word `Mortgage' needs to be enlarged, that would be fine as a last resort (see Diagram E).

Besides color variations (as discussed on page 4 of this manual), only these versions of the Prospect Mortgage logo are authorized for use. No other variations are acceptable unless approved by Prospect Marketing Department senior management.

Diagram A

Insignia

Diagram B Diagram C Diagram D

Diagram E

or

Prospect Mortgage Graphic Standards 3

LOGO COLORS

CORPORATE COLORS

The Prospect Mortgage logo insignia color uses the Pantone Matching System? for consistency. The insignia, the word `Prospect' and the line are Pantone? 294. The word `Mortgage' is 50% black. For printing purposes, PMS? 294 can be converted into their process colors using the CMYK color scheme. For viewing on the computer monitor or for other software programs, the RGB equivalent can be used. The only other acceptable color when PMS? 294 is unavailable is PMS? Reflex Blue. Whether to use the coated or uncoated versions of the PMS? colors should be based on paper stock type or vendor recommendation.

Other Solid Colors The only other colors acceptable for the entire logo is silver and black. Silver should only be used for special occasions and events, such as our internal Circle of Excellence and Excellence in Operations invitations and other marketing materials.

Reversed Logo Our logo can be entirely white while sitting on a solid background, also known as reversed. Acceptable background colors are PMS? 294 (or its equivalent), silver and black.

These are the only variations in color that should be used. Any execeptions should be authorized and approved by Prospect Marketing Department senior management.

PMS 294

PMS Cool Gray 9

C10050M0Y10K

50K

PMS? 294

100% C 50% M 0% Y 10% K

0 - R 103 - G 172 - B

Black

Silver

20% C 10% M 10% Y 30% K

143 - R 149 - G 148 - B

Reversed

PMS? CG 9

0% C 0% M 0% Y 50% K

145 - R 145 - G 145 - B

4 Prospect Mortgage Graphic Standards

TYPE FACES

CORPORATE FONTS

The type faces used for Prospect Mortgage consists of fonts that reflects a strong, nationally based and friendly organization. With various treatments of capitalizations and small caps and the use of italics, a corporate yet contemporary feel is portrayed. The weight of the fonts adds to Prospect' stability and the ease in readership carries the intended "friendliness." They also indicate movement, action and going forward.

Type Faces The fonts used for the logo and company marketing materials are listed on the right. The main font for all Prospect Mortgage marketing pieces is Myriad Pro. For all other of our Joint Ventures, the other listed fonts can be used. There is a measure of flexibility as far as deciding to use italized, bold, or shadowing effects to the fonts. For flyers, brochures, ads and other marketing pieces, the following rule of thumb should be followed:

Header: Myriad Pro Black Subheading: Myriad Pro (Bolded) Body Text: Myriad Pro Snipe/Call Out: Any Myriad Pro font Legal Disclaimer: Arial or Arial Narrow Loan Officer Customization: Myriad Pro fonts

Trade and Service Marks The trade or service mark is placed on the following phrases as used by Prospect Mortgage:

Even though these are our standard fonts, other fonts can be used based on each project.

Font Type: Minion Pro Medium

Font Type: Minion Pro Semi Bold

ABCabc123 Arial ABCabc123 Arial Narrow ABCabc123 Franklin Gothic Book

ABCabc123

Franklin Gothic Heavy

ABCabc123

Franklin Gothic Meduim

ABCabc123

Helvetica

ABCabc123

Helvetica 65 Medium

ABCabc123

Helvetica 95 Black

ABCabc123

Myriad Pro

ABCabc123

Myriad Pro Black

ABCabc123

Myriad Pro Black Condensed

ABCabc123

Times New Roman

Prospect Mortgage Graphic Standards 5

LOGO PLACEMENTS

PLACING THE LOGO

In order to obtain the best possible image of Prospect Mortgage, the logo should be placed in an area on a marketing piece that is located along the top or bottom portion of the page. This becomes especially important when typesetting along with personalized information. Sometimes the logo would be used in the postcard return address.

When Standing Alone Depending on the piece, the logo is usually standing alone either left, right or center justified in relation to the header or personalization. Usually, the logo will be located near the bottom of the marketing piece.

When Used on Joint Marketing Pieces When typesetting for more than one individual, such as a shared marketing piece, the logo placement can vary depending on the room available, amount of personalization information and whether their are headshot photos included.

These examples are standard placements, and any execeptions should be authorized and approved by Prospect Marketing Department senior management.

REO Home Financing

We are an approved HomePath lender!

If you've decided a bank-owned ("REO") property is the right choice for your new home, then I can help you with your home financing!

Here's what I can do for you: T Guide you through the complex financing of REOs T Work with your selling agent T Help you figure out how much home you can qualify for when shopping for a home T Offer you reduced closing costs

Call me today to learn more about financing this REO property or any home!

John Doe Loan Consultant Direct: (XXX) XXX-XXXX Fax: (XXX) XXX-XXXX jdoe@ johndoe.

Equal Housing Lender. Prospect Mortgage is located at 15301 Ventura Blvd., Suite D300, Sherman Oaks, CA 91403. Prospect Mortgage, LLC is a Delaware limited liability company licensed by the CA Dept. of Corps. under CRMLA and operates with the following licenses: AZ Mortgage Banker License #BK0903027, #BK0909362, #BK0908046, #BK0908050, #BK0908056, BK#0908057, #BK0908058, #BK0908731, BK#0903112, BK#0903912, BK#0906650, BK#0906913; To check the license status of your CO mortgage broker, visit dora.state.co.us/real-estate/index.htm; GA Residential Mortgage License #16984; IL Residential Mortgage Licensee #6424; MA Mortgage Lender/Broker License #MC2011; MS Licensed Mortgage Co.; MT Residential Mortgage Lender Licensee #120; Licensed by the NH Banking Dept.; Licensed Banker-NJ Dept. of Banking and Insurance #9932415; OH Mortgage Broker #MB803629; OR Mortgage Lender Licensee #ML-2006; PA Dept. of Banking license #1740; RI Licensed Lender #20021343LL, Broker #20041643LB; licensed by the VA State Corp. Commission as MC-2195. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and pricing are subject to change at any time and without notice. This is not an offer to enter into a rate lock agreement under MN law, or any other applicable law. *Always consult your tax advisor for tax information and advice. 0202-08

JOHN O'FFICER Your Home Loan Expert

Experience: Lorem ipsum dolor sit amet, consectetur

Areas of Expertise: Adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna

Languages Spoken: Ut enim ad minim veniam, quis nostr

Geographic Areas Served: Ut enim ad minim veniam, quis nostr

Education/Affiliations: Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat

Hobbies/Interests: Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur, enim ad minim veniam, quis ullamco laboris nisi ut aliquip ex ea commodo consequat. sint occaecat cupidatat non, sunt in culpa qui officia deserunt mollit anim id est laborum

Personal: Ut enim ad minim veniam, quis nostr kdksk kdls jdklsldk kfjfslkdkdklldlldlk kdjd lsk dk lskdkjd kdjlsjdklgjglgl

Established in 2006, Prospect Mortgage is a privately-held national mortgage banking firm licensed in all 50 states. We are backed by Sterling Partners, a multi-billion dollar equity investment group, with a 25-year history in funding worldclass organizations

Prospect Mortgage is part of a family of companies that is renowned for providing clients with superior customer service. One of its affiliates, Metrocities Mortgage, is a three-time consecutive winner of the prestigious CustomerSAT ACE Award*, consistently achieving customer satisfaction ratings in the 90th percentile -- well above industry average

A vast array of loan programs are available including First-Time Homebuyer, Jumbo, Conventional, Construction, FHA, and VA

Technology designed to help find the best loan and rate for your specific needs

*CustomerSat, Inc. is the leader in real-time, multi-channel feedback solutions for building customer satisfaction and loyalty. Visit for more information.

For additional information about our loan programs, please contact:

John Doe

Senior Loan Consultant

Direct: 909.731.6609 Mobile: 818.817.4713

Fax: 888.785.1399 john.doe@



15301 Ventura Blvd., Suite D300 Sherman Oaks, CA 91403

Equal Housing Lender. Prospect Mortgage Company is a division of Metrocities Mortgage, LLC (Metrocities), located at 15301 Ventura Blvd., Suite D300, Sherman Oaks, CA 91403. Metrocities is a Delaware limited liability company licensed by the CA Department of Corporations under CRMLA. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. 0811CPRORUSFNP21C

BUY A HOME FOR ONLY 3% DOWN!

Fannie Mae's new HomePath REO Loan

Fannie Mae, the agency sponsored by the U.S. government to help make housing more affordable to all Americans, now offers HomePath, a special new home loan to finance the sale of its current realestate owned [REO] properties across the country.

Prospect Mortgage is among a select group of mortgage lenders nationwide who can offer the HomePath loan to get you into one of these homes!

Here are the key benefits of a HomePath Mortgage Loan: Only 3% down required on a primary residence property No mortgage insurance required No property appraisal required Only 10% down on 1-2 unit investment properties Get up to 6% in seller concessions on primary residence properties Allows investors to finance up to ten properties

In addition to being one of the few lenders approved to offer the HomePath loan, we're experts with REO transactions. I have been specially trained to handle the specific requirements of an REO transaction. I'll keep the process smooth and stress-free.

Search for Fannie Mae REO properties eligible for HomePath financing at: reosearch.reosearch/

Contact me today to learn more about the HomePath program!

John Doe Realtor?

Direct: (XXX) XXX-XXXX johndoe@

Jane Doe Senior Loan Consultant Direct: (XXX) XXX-XXXX jdoe@

Equal Housing Lender. Prospect Mortgage Company is a division of Metrocities Mortgage, LLC, located at 15301 Ventura Blvd., Suite D300, Sherman Oaks, CA 91403. Metrocities is a Delaware limited liability company licensed by the CA Department of Corporations under CRMLA. Based on a 30-year Fixed Rate Loan and a loan amounts of $350,000 at a 3% down payment, with monthly payments of $1,932.71 based on an interest rate of 5.25% and 5.339% APR, quoted as of 01-12-09. No Mortgage Insurance and zero points. Available in Fixed Rate or Adjustable Rate loans. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. All calculations are approximations. All rates, fees, and programs are subject to change and/or withdrawals from the market without notice. 1008-66A

6 Prospect Mortgage Graphic Standards

LOGO DO'S & DON'TS

SHAPE/ICONS & LOGOS

The Prospect Mortgage logo needs to stay proportionate in its dimensions and should not contain any other taglines, icons or logos. Drop shadows are allowed depending on the design of the marketing piece.

Shape The logo should not be stretched, distorted or altered in its orientation in any way. Contrain the logo proportionately when enlarging or shrinking.

Taglines Presently, there are no tagline that should be part of the logo. No other tagline or snipe should be placed as part of the logo except for the address of the Prospect Mortgage Loan Center.

OTHER ICONS AND LOGOS No other logos can be used as part of the Prospect Mortgage logo except for a few alliance and internal usages. The icon can be used along with headers or as bullets. The Prospect icon of the house roof can be made as Pantone 294 or shades thereof for use along with a header or as a background.

Any other use other than what is stated above must be approved by Prospect Marketing Department senior management.

Yes No

Yes

123 Main Street ? Anytown, ST 01234

No

"We Make It Happen"

"Your Resource For Loans"

Yes

My Presentation

A vast array of loan programs Direct lender

No ACME Co.

Prospect Mortgage Graphic Standards 7

DISCLAIMERS

Compliance Issues

In order to remain compliant with the Equal Credit Opportunity Act and federal Truth-in-Lending Act, there are necessary emblems and disclosures that need to be incorporated into every marketing piece when distributing to the public. If distributing to business professionals only, then include at the bottom any of the following statements:

"For Professional Use Only" "For Internal Use Only" "For Real Estate Professionals Only"

Equal Housing Lender Icon To show that we as a lender guarantee that credit is equally available to all creditworthy customers, we must display the Fair Housing Emblem (see examples).

Disclosures The federal Truth-in-Lending Act under Regulation Z Advertising regulates disclosure of the terms and costs of credit in consumer credit transactions. If an advertisement states a finance charge rate, it must state the rate as an annual percentage rate (APR). Also, the advertisement must not state any rate other than the simple annual rate or periodic tate that is applied to the unpaid balance. Finally, if the APR may be increased after the credit transaction is consummated, the advertisement must state that fact. In addition, other terms may trigger the need for additional disclosures if the advertisement contains any of the following terms:

Business Disclaimer Format

Prospect Mortgage, LLC, is a Delaware limited liability company. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and pricing are subject to change at any time and without notice. For Professional Use Only.

Font: Arial Narrow (6 pt size, 7 leading, must be readable)

National Disclaimer Format

Equal Housing Lender. Prospect Mortgage is located at 15301 Ventura Blvd., Suite D300, Sherman Oaks, CA 91403. Prospect Mortgage, LLC is a Delaware limited liability company licensed by the CA Dept. of Corps. under CRMLA and operates with the following licenses: AZ Mortgage Banker License #BK0903027, #BK0909362, #BK0908046, BK#0908050, #BK0908056, #BK0908057, #BK0908058, #BK0908731, #BK0903112, #BK0903912, #BK0906650, #BK0906913; To check the license status of your CO mortgage broker, visit dora.state.co.us/real-estate/index.htm; GA Residential Mortgage Licensee #16984; IL Residential Mortgage Licensee #6424; MA Mortgage Lender/Broker License #MC2011; MS Licensed Mortgage Co; MT Residential Mortgage Lender Licensee #120; Licensed by the NH Banking Dept; Licensed Banker - NJ Dept of Banking and Insurance #9932415; NV Mortgage Banker 1173; NV Mortgage Broker 3095; Licensed Mortgage Banker ? NYS Banking Dept.; OH Mortgage Broker #MB803629; OR Mortgage Lender Licensee #ML-2006; Licensed by the PA Dept of Banking license #1740; RI Licensed Lender #20021343LL, Broker #20041643LB; Licensed by the Virginia State Corporation Commission as MLB-786. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and pricing are subject to change at any time and without notice. This is not an offer to enter into a rate lock agreement under MN law, or any other applicable law.

Equal Housing Lender. Prospect Mortgage, LLC, is a Delaware limited liability company licensed by the . or Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend.

(Must be large enough to read)

? The amount or percentage of any down payment

? The number of payments or period of repayment

? The amount of any payment ? The amount of any finance charge

If any of these terms are triggered, then the following must also be included as additional terms disclosed in the adverstising:

? The amount or percentage of the down payment

? The terms of repayment ? The annual percentage rate (must use the

exact term) ? The amount of any increase in annual

percentage rate after the transaction is consummated.

8 Prospect Mortgage Graphic Standards

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