This document provides disclosures and notices about a pre-screened credit offer from OneWest Bank, including how to opt-out of pre-screened offers, how the applicant was selected, requirements and contingencies of the offer, costs associated with the loan, and contact information. It discloses that the applicant's information was obtained from a credit report and the offer may be withdrawn if the applicant no longer meets criteria or cannot provide collateral.

1. Disclosures
PRESCREEN & OPT-OUTNOTICE:This"prescreened"offerofcreditisbasedoninformationinyourcreditreportindicatingthatyoumetcertaincriteria.
Thisofferisnotguaranteedifyoudonotmeetourcriteria,includingprovidingacceptablepropertyascollateral.Ifyoudonotwanttoreceiveprescreened
offersofcreditfrom OneWestBankorothercompanies,calltollfree1.888.5.OPTOUT(1.888.567.8688).Youcanalsowritetothefollowingcreditreporting
agenciesattheseaddresses:
EquifaxOptions
P.O.Box740123P.O.Box740123
Atlanta,GA30374-0123
UsUseofConsumerCreditInformation:Thisofferisextendedbecauseyousatisfiedcertaincreditcriteriaderivedfrom informationcontainedina
prequalifyingconsumerreportandfrom informationbasedontheperformanceofyourcurrentOneWestBankloan.Wemustreceivearesponsefrom you
onorbeforetheofferexpirationdate.Youmustcomplywithouradditionalloanprogram requirementsandpayallapplicablefees.Afteryourespondto
thisoffer,ifyoudonotcontinuetomeetthecriteriausedtoselectyournameforthisoffer,donotmeetotherapplicablepre-selectedcriteriabearingon
youyourcreditworthinessorcannotfurnishanyrequiredcollateral,youmaynolongerqualify.Thisofferisnon-transferableandsupersedesallprioroffers.
Offeramountwasnotderivedfrom creditbureaudata.Wemustreceivearesponsefrom youonorbeforetheofferexpirationdate.Thisofferis
contingentuponourreceivingavalidandperfectedfirstlienonyourone-to-fourfamilyresidence,excludingmobilehomes,manufacturedhousingand
co-ops.Minimum andmaximum propertyvaluesandloanamountsapply.Thisofferissubjecttoverificationandqualificationofacceptablecollateral,
incomeandcredit.Youmustbeoflegalcontractage.Youmustcomplywithouradditionalloanprogram requirementsandpayallapplicablefees.We
maywithdraw ourofferentirelyif:(1)youfailtodelivertousanyrequesteddocumentationrequiredbyourcurrentunderwritingguidelines;(2)anmaywithdraw ourofferentirelyif:(1)youfailtodelivertousanyrequesteddocumentationrequiredbyourcurrentunderwritingguidelines;(2)an
updatedcreditreportorinformationinyourapplicationshowsyoudonotmeetthepre-selectedcriteriaforthisoffer;(3)youdonothavesufficient
incometorepaythenew obligation;or(4)thecollateralisinsufficient.Thisofferisnon-transferableandsupersedesallprioroffers.
Ifyourloan-to-valueratioisgreaterthan80%,youwillberequiredtopayamonthlymortgageinsurancepremium,thecostofwhichmaybesubstantial.
Ifyouchoosetofinancealloraportionofyourclosingcosts,thiswillresultinanincreaseinyourloanamountandmonthlypayment.
InterestonanyportionoftheloanthatisgreaterthanthefairmarketvalueofyourhomeisnottaxdeductibleforFederalincometaxpurposes.Youshould
consultataxadvisorforfurtherinformationregardingthedeductibilityofinterestandcharges.
OneWestOneWestBankisnotaffiliatedwiththelenderorbrokerwhotookyourrecentmortgageloanapplication.Thisofferisbasedonyourpersonalinformation
thatweobtainedfrom aconsumercreditreportingagencywithouttheknowledgeorpermissionofthelenderorbrokerwhotookyourrecentmortgage
loanapplication.
Ifyourcurrentloanhasaprepaymentfeeprovisionandtheloanisrefinancedduringtheunexpiredprepaymentfeeperiod,youwillberequiredtopaythe
prepaymentfee.
OneWestBankhasanon-refundableapplicationfeethatmustbepaidafteryourinitialdisclosuresaredeemedreceived(approximatelysevenmailing
daysafterApplication).
Experian
P.O.Box919
Allen,TX75013
TransUnion
MarketingOpt-Out
P.O.Box97328
Jackson,MS39288
ByclickingontheSENDbuttonyou
agreethatanOneWestBankLoan
Consultantmaycontactyoutodiscuss
thisspecificinquiry.Notethatany
currentorfutureDoNotCallrequeston
filewithuswillbehonoredwithregard
tounsolicitedcontact.tounsolicitedcontact.
ResetSend
PhoneNumber*:
EmailAddress*:
LastName*:
FirstName*:
Calltodaytotalktoaloanconsultantand
learnmore.
(*Required)
GetStartedToday!
Youcanchoosetostopreceiving"prescreened"offersofcreditfrom thisandothercompaniesbycallingtoll-free
888-5-OPT-OUT(888-567-8688).SeePRESCREEN&OPT-OUTNOTICEformoreinformationaboutprescreenedoffers.
DiscountPricing
DiscountedpricingisguaranteedonlybycallingtheDiscountedpricingisguaranteedonlybycallingthe
tollfreenumberprovidedorbysubmittingtheshort
form onthepreviousscreen.Forfixed-rateloans,
thepricingbenefitiseffectiveforthelifeoftheloan.
ForARM loans,thepricingbenefitappliestothestart
rateuntilthefirstrateadjustment.Discountedpricing
offerappliesonlytoexistingOneWestBankcustomers
whooriginateanew firstmortgagethroughOneWestwhooriginateanew firstmortgagethroughOneWest
$500offclosingcosts
ThThe$500OffClosingCostsofferisguaranteed
onlybycallingthetollfreenumberprovidedorby
submittingtheshortform onthepreviousscreen.
ThisofferappliesonlytoexistingOneWestBank
customerswhooriginateanew firstmortgage
throughOneWestBank.
Youareprequalifiedforalow rate!
Thinkingaboutrefinancing?
Home|GetStartedToday!Call1.000.000.0000
1.000.000.0000

2. © 2010OneWestBank,FSB.Registeredtrade/servicemarksaretheproperty
ofOneWestBank,FSBand/oritssubsidiaries.FDICInsured.Importantterms
andconditionsapply.
ResetSend
EmailAddress*:
LastName*:
FirstName*:
(*Required)
GetStartedToday!
Dear{FirstName}{LastName},
Now maybeagreattimetorefinancewithus.Based
onyourgoodcredithistory,you’vebeenprequalified
foranew loan!
Asourvaluedcustomer,youwillreceive$500off
closingcostsandexclusivediscountedpricing.
FillFilloutouronlineform orcall{TollFreeNumber}today
andoneofourexperiencedloanconsultantswillmake
sureyouunderstandtheloanprogram youchooseand
thatitsfeaturesmeetyourspecificfinancialneeds.
Welookforwardtospeakingwithyousoontoseeifa
loanrefinanceisrightforyou!
Youareprequalifiedforalow rate!
Thinkingaboutrefinancing?
1.000.000.0000