DisclosuresPRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report indicating that you met certain criteria. This offer is not guaranteed if you do not meet our criteria, including providing acceptable property as collateral. If you do not want to receive prescreened offers of credit from OneWest Bank or other companies, call toll free 1.888.5.OPTOUT (1.888.567.8688). You can also write to the following credit reporting agencies at these addresses:

Equifax OptionsP.O. Box 740123P.O. Box 740123Atlanta, GA 30374-0123

UsUse of Consumer Credit Information: This offer is extended because you satisfied certain credit criteria derived from information contained in a prequalifying consumer report and from information based on the performance of your current OneWest Bank loan. We must receive a response from you on or before the offer expiration date. You must comply with our additional loan program requirements and pay all applicable fees. After you respond to this offer, if you do not continue to meet the criteria used to select your name for this offer, do not meet other applicable pre-selected criteria bearing on youyour creditworthiness or cannot furnish any required collateral, you may no longer qualify. This offer is non-transferable and supersedes all prior offers.

Offer amount was not derived from credit bureau data. We must receive a response from you on or before the offer expiration date. This offer is contingent upon our receiving a valid and perfected first lien on your one-to-four family 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 credit. You must be of legal contract age. You must comply with our additional loan program requirements and pay all applicable fees. We may withdraw our offer entirely if: (1) you fail to deliver to us any requested documentation required by our current underwriting guidelines; (2) an may withdraw our offer entirely if: (1) you fail to deliver to us any requested documentation required by our current underwriting guidelines; (2) an updated credit report or information in your application shows you do not meet the pre-selected criteria for this offer; (3) you do not have sufficient income to repay the new obligation; or (4) the collateral is insufficient. This offer is non-transferable and supersedes all prior offers.

If your loan-to-value ratio is greater than 80%, you will be required to pay a monthly mortgage insurance premium, the cost of which may be substantial. If you choose to finance all or a portion of your closing costs, this will result in an increase in your loan amount and monthly payment.

Interest on any portion of the loan that is greater than the fair market value of your home is not tax deductible for Federal income tax purposes. You should consult a tax advisor for further information regarding the deductibility of interest and charges.

OneWestOneWest Bank is not affiliated with the lender or broker who took your recent mortgage loan application. This offer is based on your personal information that we obtained from a consumer credit reporting agency without the knowledge or permission of the lender or broker who took your recent mortgage loan application.

If your current loan has a prepayment fee provision and the loan is refinanced during the unexpired prepayment fee period, you will be required to pay the prepayment fee.

OneWest Bank has a non-refundable application fee that must be paid after your initial disclosures are deemed received (approximately seven mailing days after Application).

ExperianP.O. Box 919Allen, TX 75013

TransUnionMarketing Opt-OutP.O. Box 97328Jackson, MS 39288

By clicking on the SEND button youagree that an OneWest Bank LoanConsultant may contact you to discussthis specific inquiry. Note that anycurrent or future Do Not Call request onfile with us will be honored with regardto unsolicited contact. to unsolicited contact.

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You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 888-5-OPT-OUT (888-567-8688). See PRESCREEN & OPT-OUT NOTICE for more information about prescreened offers.

Discount PricingDiscounted pricing is guaranteed only by calling the Discounted pricing is guaranteed only by calling the

toll free number provided or by submitting the short

form on the previous screen. For fixed-rate loans,

the pricing benefit is effective for the life of the loan.

For ARM loans, the pricing benefit applies to the start

rate until the first rate adjustment. Discounted pricing

offer applies only to existing OneWest Bank customers

who originate a new first mortgage through OneWest who originate a new first mortgage through OneWest

$500 off closing costsThThe $500 Off Closing Costs offer is guaranteed

only by calling the toll free number provided or by

submitting the short form on the previous screen.

This offer applies only to existing OneWest Bank

customers who originate a new first mortgage

through OneWest Bank.

You are prequalified for a low rate!Thinking about refinancing?

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Dear {First Name} {Last Name},

Now may be a great time to refinance with us. Based on your good credit history, you’ve been prequalified for a new loan!

As our valued customer, you will receive $500 off closing costs and exclusive discounted pricing.

FillFill out our online form or call {TollFreeNumber} today and one of our experienced loan consultants will make sure you understand the loan program you choose and that its features meet your specific financial needs.

We look forward to speaking with you soon to see if a loan refinance is right for you!

You are prequalified for a low rate!Thinking about refinancing?

1.000.000.0000