Site Disclosures

Rates Assumptions:

• Conforming loan (Up to 417,000) Annual Percentage Rate (APR) calculations assume a fully documented rate and term refinance with a loan amount of $350,000 on an acceptable owner-occupied, detached, single family residence (SFR) with a loan-to-value ratio (LTV) of less than 60% and an impound account for taxes and insurance. Available first mortgage rates and fees may vary depending upon your property's location. Restrictions apply.
• Conforming loan (Up to 625,500) Annual Percentage Rate (APR) calculations assume a fully documented rate and term refinance with a loan amount of $500,000 on an acceptable owner-occupied, detached, single family residence (SFR) with a loan-to-value ratio (LTV) of less than 60% and an impound account for taxes and insurance. Available first mortgage rates and fees may vary depending upon your property's location. Restrictions apply.
• Jumbo loan APR calculations assume a fully documented rate and term refinance with a loan amount of $1,000,000 on an acceptable owner-occupied, detached, SFR with a LTV ratio of less than 60% and an impound account for taxes and insurance. Restrictions apply.
• Government loan APR calculations assume a fully documented rate and term refinance with a loan amount of $350,000 on an acceptable owner-occupied, detached, SFR with a LTV ratio of less than 60% and an impound account for taxes and insurance. Restrictions apply.
• Rates will be higher for loan amounts lower than $350,000 and over $417,000. Rates shown on website assume the borrower(s) FICO according to the chosen Credit Rating-Excellent 740; Good 680; Fair 620. Restrictions apply.
• Adjustable rate mortgage APR calculations are based upon the index and investor based margins.
• Subject to underwriter approval; not all applicants will be approved.

Loan Program Disclosures:

"Closing Costs Guaranteed" means that the lender's fees for your loan application will not change between the time you apply and the time you close, assuming the following: The loan amount does not change, the rate and points option you choose does not change, the loan program you applied for does not change, property value does not change, your choice to establish an escrow account does not change, and any stated items on your application, such as your income, assets, job history, address history, or any other factor that may affect the underwriting decision of the loan you applied for do not change.

"No Hidden Fees" means that Greenlight Financial Services will disclose any and all fees associated with a loan transaction. A Good Faith Estimate will be provided upon the completion of a loan application as required under applicable law.

Important Terms and Conditions Regarding our Mailer:

* The offer extends to fixed rate, conforming loan amounts up to $417,000, rate and term refinance, owner occupied, single family, non-rural, non-complex, subject property with a loan to value up to 60% with an impound account and a minimum score of 740 FICO. Loans with subordinate financing are ineligible for this offer. Loan fees are typically financed through the loan. Loans are subject to final loan approval based on verification of income, assets and appraised value. Not all applicants will be approved. Restrictions may apply. To be considered for this promotion, receipt of a bona fide Rate Lock Confirmation, Good Faith Estimate and a fully completed Uniform Residential Loan Application (1003) disclosing all loans terms from competing lender which must be dated no more than 5 calendar days from Greenlights’ tentative approval of initial credit application. These documents must be received no later than 24 hours from initial credit application. Appraisal fee must be paid in advance by the applicant. Should the loan not close for any reason the appraisal fee is non-refundable. If the appraisal fee increases due to a lender required re-inspection, the applicant is responsible for paying the additional cost. No portion of the appraisal fee or re-inspection fee will be refunded if the service has been rendered, and the loan is canceled or declined. A survey fee may be charged to the applicant if required by the lender, and will not be refunded by the lender. Home Owners Association certification fees may be charged when the subject property is a Condominium or PUD, and will not be refunded by the lender. Vesting changes may result in additional fees, and will not be refunded by the lender. Fees charged by applicant’s current lien holder will not be refunded by the lender. Rates and terms subject to change based on market conditions and borrower eligibility. Rate and fees are subject to change for properties located outside of California. Consult your tax advisor for deductibility of interest and loan fees. NMLS Unique Identifier #2140. Greenlight Financial Services also operates under the name Greenlight Financial Services, Inc., Greenlight Financial Services, (Inc.), Greenlight Financial Services, Greenlight Financial. Not licensed in all 50 states. Products and services offered are not available to residents of states in which Greenlight is not licensed. Greenlight Financial Services reserves the right to discontinue the offer at any time.

Informa Rate Comparison Banner:

Rate Comparisons are provided by Informa Research Services, Inc., Calabasas, CA. www.informars.com. Although the information has been obtained from the various institutions themselves, the accuracy cannot be guaranteed.

Guaranteed Lowest Rate and Fees Disclosures:

Greenlight Financial Services will beat any competitor's rate (Annual Percentage Rate) and fees. We guarantee the lowest rate and fees. If the applicant believes Greenlight cannot beat the rate and fees from a competitor, the applicant must provide to Greenlight Financial Services a copy of the competing lender's complete system generated Good Faith Estimate (or other evidence of the competing lender's Annual Percentage Rate and fees). The Good Faith Estimate must include the lender's name and be dated the same day that Greenlight Financial Services provided an interest rate and fees quote for a loan greater than $100K with the same terms and conditions as the competitor's quote.

Upon receipt of the competing Lender's Good Faith Estimate, Greenlight Financial Services will verify the accuracy of the Annual Percentage Rate and Fees noted on the Good Faith Estimate. Once confirmed that the competing Lender's Good Faith Estimate shows a lower Annual Percentage Rate and fees combination for an identical loan program offered by Greenlight Financial Services, then Greenlight Financial Services will beat the lender's fees by $ 50.00.

This Lowest Rate and Fees offer is valid for 1st mortgage loans only. Loans must be secured by properties located in the United States, primary residences only, excludes rental properties.

Fee comparisons for this offer will not include interim interest or funds designated to set up an impound (escrow) account. Title insurance and escrow fees will not be included in the comparison for purchase transactions. All other fees will be part of the comparison.

Applicants must complete a mortgage loan application and provide authorization for Greenlight Financial Services to pull a credit report. Based upon these items, Greenlight will determine which loan products you meet all qualification requirements and provide you with the best rate and fees.

This lowest rate and fees offer expires December 31, 2012 and may be withdrawn at any time upon the sole discretion of Greenlight Financial Services.