Exceeding Expectations...

BRIAN KERANEN

714.655.0191

NATE KUCHERA

949.633.6464

MINA AZARIANI

949.999.7925

DAVID BEHM

949.201.8266

THUY CUNG

714.227.8137

TIM CHRISTENSEN

714.803.2433

LILLY MCBEE

714.348.5978

CATHY NGHIEM

714.785.8522

BENY RABUCHIN

310.488.3200

DIANE UEHLINGER

213.422.4734

30 Year Fixed, NO Points, 3.625% (3.660% APR), $1,500,000

1

New Payment: Payments 1-360: $6,840

30 Year Fixed, NO Points, 3.375% (3.480% APR), $417,000

2

New Payment: 1-360: $1,843

Dear Neighbors,

As an FDIC insured National Bank, BANK OF MANHATTAN has access to a significant amount of capital over what traditional warehouse line funded mortgage companies have available. With an experienced mortgage management team, they understand what it takes for loan officers to be successful by setting high service standards, competitive pricing and offering alternatives in addition to the commoditized mortgages of the big banks. Local presence ensures our clients will have peace of mind in knowing their loan officers have personal relationships with their BANK OF MANHATTAN underwriting, processing, and closing team – ensuring a seamless mortgage experience.

TODD GODFREY, VP, Branch Manager 949.939.1717 | www.bankofmanhattan.com BOM is an equal opportunity employer; for confidential consideration for employment please send your resume to Todd Godfrey: tgodfrey@bankofmanhattan.com

Payment examples do not include taxes and insurance; actual payment will be greater.Example #1 assumes aloan of $1,500,000 loan amount financed at the rate, APR, term noted above at maximum 80% loan-tovalue, 34% DTI, with a740 credit score and 1year prepayment penalty may apply.Example #2 assumes apurchase or refinance loan of $417,000 loan amount financed at the rate, APR, term noted above at maximum 75% loan-to-value, 45% DTI, with a740 credit score and no prepayment penalty.Nothing herein is or should be interpreted as acommitment to lend. All loans are subject to credit and property approval. Rate and Annual Percentage Rate (APR) stated above are as of 12/10/2012. The payments noted above are principal and interest payment. Terms may vary, conditions and restrictions apply. Actual rate for the loan is determined at time of rate lock based upon program and terms requested. Rates and terms are subject to change without notice. NMLS# 401422 ©2012 Bank of Manhattan, N.A.