Disclosures, Terms and Conditions

PRE-SCREEN & OPT-OUT NOTICE

This “prescreened” offer of credit is based on information in your credit report ind icating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free at 1-888-5OPT-OUT (1-888-567-8688); or write: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123 TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505 Experian consumer Opt Out, P.O. Box 919, Allen, TX 75013

CONFIDENTIAL PROFILE DISCLOSURE INFORMATION:

Income amount shown within your confidential profile is the approximate minimum amount needed to qualify for the "Preapproved Purchase Price". This number is based on household income and can be combined with the income of other household members (spouse, family members, partner, roommate, fiancée, etc.) if applicable. All income parties would have to participate in the application process for the combined income to apply. Using average San Diego rental amounts of $2,000.00-$4,000.00 (**see source below) and by showing the household's ability to pay (based on your credit profile and rent amounts); we are determining the offer based on a rent amount that could be a similar mortgage payment for the approved purchase price. Proof of income at this amount or greater would be required for this preapproval. If income is present within the appropriate field, this information was collected by combined information sources from Equifax, TransUnion and Experian and there is no guarantee of its accuracy. HomesearchGPS.com/RSM does not guarantee this income amount is correct and does not guarantee this information is significantly accurate of any kind. Information collected from Equifax, TransUnion and Experian is subject to change at any time and cannot be guaranteed as accurate. HomesearchGPS.com/RSM does not guarantee that borrower(s) will qualify for any properties listed in the confidential profile section of Homesearchgps.com. Borrower(s) are required to have a 660 middle fico score and a 43% back end debt to income ratio calculated by using acceptable income documentation per the underwriting process as interpreted by published FHA guidelines. For loan amounts greater than the San Diego counties new loan limit of $546,250.00, recipients of this offer are required to have a 700 fico or greater and 25% verification and seasoned down payment. JUMBO loan guidelines are used to determining all eligibility for these offers. Gaps in employment or change of employer, job title or position could render this approval invalid. Verification of employment must be able to be performed by an underwriter. Jumbo loans may require proof of up to 12 months asset reserves (above and beyond seasoned down payment). A default pre-approval amount may be in place because actual income is currently unknown. Inputting or providing your actual true household income amount, will better determine the accuracy of your preapproval. Other excessive debts could render this approval invalid. These factors include, but are not limited to: your current debt, any other monthly payments, HOA or other home owner fees that may apply your FICO score and any other factors that would alter your monthly expenses or income-to-debt-ratios. Any late payments, past or present derogatory credit, or bankruptcies discharged or open, could render this approval invalid. Homesearchgps.com/RSM does not guarantee this preapproval or its accuracy of any kind within your profile.

Properties listed under the "Confidential Profile" section may be more or less than Approximate Amount Approved and may not be eligible properties for your final preapproval. HomesearchGPS.com/RSM does not guarantee conditions of availability or accessibility for any of these listings. Some borrower(s) MAY NOT qualify for the listings available for view within their profile.

Criteria for Unknown income disclosures: based on a purchase price of $225,000.00, borrower(s) would be applying for an FHA loan at $217,125.00 with an interest rate of 4.375% (4.650% APR). This rate is available as of June 21, 2011 on the published RSM rate sheet (rates subject to change daily). Based on 1 million dollar purchase price and a $750,000.00 loan amount qualifying rate for JUMBO loan programs would be 4.875% with 25% seasoned down payment with a 700 mid fico or greater to 1 million max loan mount. All income and underwriting requirements are subject to change at any time. Some investor overlays may apply. Two appraisals may also be required for JUMBO loans. The FHA loan program requires a 3.5% down payment and sufficient funds to cover fees and closing costs. In order to qualify for this loan scenario, the following criteria must be met: a middle FICO score of 660, a yearly tax amount of 1.250%, a monthly tax figure of $233.64 (may vary by state and county), "walls in" (HO 6) homeownership insurance policy of $35 monthly (may vary by insuring company, property type, coverage type and application criteria), HOA dues of $275.00 (may vary by property type, usage and HOA association fees and/or costs), private mortgage insurance monthly premium of $208.08 (may vary by purchase price, loan type, FICO score or application criteria), other total debt payments of $500.00 (for example only: amount of payments total may vary by consumer credit payments reported on credit and the true actual amounts of debts held by borrower(s) and a monthly household income of $4,800.00. Given all of these stipulations, the monthly determined payment for this individual(s) would be $1,846.63 per month. Any late payments, past or present derogatory credit, or bankruptcies discharged or open, could render this approval invalid. Loan program requires third-party approval for a private mortgage insurance company to insure this FHA loan. HomesearchGPS.com/RSM is not responsible for the outcome of this approval and the loan can still be declined if the private mortgage insurance policy cannot be obtained. To avoid payment shock, rent amounts using 12 months canceled checks as verification, must be verified, in good standing and paid on time. The monthly rent amount paid must be within 80% of final payment amount. Back-end debt ratios cannot exceed 45%. An FHA or HUD approved project and/or property would be required for this approval along with an FHA-specific issued appraisal done by an RSM HVCC approved and HUD approved appraiser. Property would need to be appraised for the actual purchase p rice of the property. Homesearchgps.com/RSM does not guarantee this preapproval or its accuracy of any kind.

**Source for San Diego Housing Rental Averages – From RentalHousehunter.com. Pulled the week of June 13, 2011, from http://www. rentalhousehunter.com/RENT/Apartments-For-Rent/Avg-Rental-Price-Tool.cfm?Location=CA-San+Diego&Submit=View+Avg.+Prices

ELIGIBILITY REQUIREMENTS:

This offer is contingent upon you acquiring a valid and perfected first lien on an owner occupied primary residence (excluding mobile homes, manufactured housing and Co-Ops). Minimum and maximum property values and loan amounts apply. This offer is subject to verification and qualification of acceptable collateral, income and borrower(s) credit. You must be of legal contract age. You must comply with additional loan program requirements and pay all applicable fees. The amount of your loan will be determined based upon the information obtained in the processing of your loan application and loan requirements. This offer may be withdrawn entirely if: (1) you fail to deliver any requested documentation required by current underwriting guidelines; (2) an updated credit report or information in your application shows you do not meet the criteria established for this offer; or (3) you do not have sufficient income to repay the new obligation.

RSM: FEDERAL FAIR HOUSE REGULATIONS APPLIED IN ALL RIGHT START PROGRAMS:

Title VIII of the Civil Rights Act of 1968 (Fair Housing Act), as amended, prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing related transactions, based on race, color, national origin, religion, sex, or familial status. Right Start Mortgage (RSM) 124 N. First Ave., Arcadia, CA 91006; 4875 Viewridge Ave. San Diego, CA 92123 California Department of Real Estate DRE License No. 01044799, NMLS# 35960; CO License LMB#10034174, 124 N. First Ave., Arcadia, CA 91006; WA Department of Financial Institutions WA License #CL-35960, 4875 Viewridge Ave., San Diego, CA 92123; OR License No. ML-1434, 124 N. First Ave., Arcadia, CA 91006. RSM is not a State or Federal Government agency. This product or service has not been approved or endorsed by any government agency and this offer is not being made by any agency of the government. RSM is a approved lending institution of the U.S department of Housing and Urban Development © Copyright 2008 you can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll free 1-888-567-8688. See PRESCREE N & OPT-OUT NOTICE for more information about prescreened offers.

IMPORTANT ADDITIONAL INFORMATION:

Other restrictions and/or limitations apply. Interest rates are subject to change. The amount of your new loan payment and the amount you may pay may vary.

Legal Notices/Copyright Notices

The works of authorship contained in Homsearchgps.com, including but not limited to all design, text and images are owned, except as otherwise expressly stated, by Homsearchgps.com or one of its affiliates, including Homesearchgps.com/RSM, Global Realty, AMA Capital, and Advecor INC., and may not be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, altered, stored for subsequent use or otherwise used in whole or in part in any manner without Homesearchgps.com/RSM’s prior written consent, except to the extent that such use constitutes “fair use” under the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and except for one temporary copy in a single computer ’s memory and one unaltered permanent copy to be used by the vie wer for personal and non-commercial use.

You may link to this site, provided that (1) the appearance, pos ition and other aspects of the link do not damage or dilute the goodwill associated with Homesearchgps.com/RSM’s name and trademarks, (2) the link and/or website that is bein g linked does not violate Homesearchgps.com/RSM’s or any third-party’s intellectual property rights, (3) no aspect of the link, including the appearance and position of the link, may create the appearance that an entity is associated with or sponsored by Homesearchgps.com/RSM when association or sponsorship does not exist, (4) the link, when activated by a user, must display the Site web page in its entirety and not within a “frame” on the linked website, and (5) Homesearchgps.com/RSM reserves the right to revoke its consent to the link at any time at its sole discretion.

To learn more, contact us at HomesearchGPS.com.

Trademark/Service Mark Notices

The following is a list of trademarks of HomesearchGPS.com/Right Start Mortgage. (Homesearchgps.com/RSM). This list may be updated at any time without notice.

The HomesearchGPS.com/RSM service marks or trademarks or registered trademarks in the U.S. and/or other countries. All Rights Reserved. All other trademarks used on this site are property of their re spective owners.

The absence of a name, logo, or other service mark on this list does not constitute a waiver of any and all intellectual prope rty rights that Homesearchgps.com/RSM has established in any of its products, services, programs, features, service marks, service names, or logos.

Third-parties may not use HomesearchGPS.com/RSM. Marks in any manner which suggest or hint at affiliation with, sponsorship of, or endorsement by, Homesearchgps.com/RSM without prior written permission which allows for and specifies the marks and type of use, is prohibited.

Disclaimer

HomeserachGPS.com/RSM, its affiliates and third-party providers, are not responsible for any errors or omissions in the information contained on or accessed through this Site. All such information in this Site is provided “as is”. HomesearchGPS.com/RSM, its affiliates and third-party providers make no warranties or representations and disclaim all express, implied and statutory warranties of any kind to the user and any third-party, including, but not limited to, any warranties of accuracy, timeliness, completeness, merchantability, noninfringement and fitness for any particular purpose.

Except for claims that cannot be excluded by the applicable local law, HomesearchGPS.com/RSM, its affiliates and third-party providers shall not have any liability, including but not limited to, tort, contract or any other lia bility to user or any third-party arising as a result of use of or access to this Site.

HomesearchGPS.com/RSM, its affiliates or third-party providers shall not be liable to user or any third-party for lost profits or lost opportunity, direct, indirect, special, consequential, incidental or punitive damages whatsoever, even if HomesearchGPS.com/RSM, its affiliates or third-party providers have been advised of the possibility of such damages.

Some jurisdictions do not allow for the exclusion or limitation of implied warranties or liability for incidental or consequential damages. Therefore, the above limitations may not apply to you, or there may be applicable laws which supersede the above. Any clause of this disclaimer declared invalid by the appropriate authority in each jurisdiction shall be deemed severable and shall not affect the validity or enforceability of the remainder of this disclaimer. The terms of this disclaimer are governed by the laws of the St ate of California. HomesearchGPS.com/RSM reserves the right to amend the document at its discretion at any time without notice.

RSM: Federal Fair House Regulations Applied in All RightStart Programs:

Title VIII of the Civil Rights Act of 1968 (Fair Housing Act), as amended, prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing related transactions, based on race, color, national origin, religion, sex, or familial status. Right Start Mortgage (RSM) 124 N. First Ave., Arcadia, CA 91006; 4875 Viewridge Ave. San Diego, CA 92123 California Department of Real Estate DRE License No. 01044799, CFL No.603B067; NMLS# 35960; CO License LMB# 10034174, 124 N. First Ave., Arcadia, CA 91006; WA Department of Financial Institutions WA License #CL-35960, 4875 Viewridge Ave., San Diego, CA 92123; OR License No. ML-1434, 124 N. First Ave., Arcadia, CA 91006. RSM is not a State or Federal Government agency. This product or service has not been approved or endorsed by any government agency and this offer is not being made by any agency of the government. © Copyright 2008 You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE for more information about prescreened offers.

IMPORTANT ADDITIONAL INFORMATION:

Other restrictions and/or limitations apply. Interest rates are subject to change. The amount of your new loan payment and the amount you may pay will vary by loan amount and purchase price. Other restrictions and/or limitations apply. Interest rates are subject to change.

The amount of your new loan payment and the amount you may qualify for may vary. Interest rate used in example is a 30 year amortized fixed FHA loan program and a seasoned down payment purchase transaction. Interest rate and payments are subject to change per market conditions. Calculated rate and savings on this offer is based on a loan amount of «amount per offer». Calculated APR is «ActualAPR» and based on a 96.5% loan to value ratio of an owner occup ied, one unit SFR, CONDO or PUD. No prepayment penalties or balloon payments apply to this offer. Borrower(s) are required to have a 660 mid fico score and a 43% back end debt to income ratio calculated by using acceptable income documentation per the underwriting process as interpreted by published guidelines. Third party mortgage insurance is required to complete this purchase transaction. RSM is not responsible for this approval or its process and cannot ensure the outcome of this approval.