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Disclosures:

1. Home equity loans and lines of credit are available through Wells Fargo Diversified Products Group, a division of Wells Fargo Bank, N.A .

2. To qualify for the $200 reward, you must close on any purchase or refinance loan, secured by a first mortgage or deed of trust through The Affinity Mortgage Program(R) with Wells Fargo Home Mortgage. The reward will be redeemable for gift card(s) of your choice from a list of participating merchants. A current merchant list can be obtained by calling 1-800-765-4438 or by going to www.hallmarkinsights.com/corp/redeem.html. This promotion and other benefits through The Affinity Mortgage Program cannot be combined with the benefits of The Relocation Mortgage Program(R) or any other program or promotion. The $200 reward is not available for assumption or modification loans, loans originated through brokers, joint ventures or other third parties, home equity loans or home equity lines of credit. Contact your mortgage consultant for additional details, including its current availability, terms and conditions. Once redeemed, the $200 reward may be reported to the IRS on a Form 1099-MISC. Please consult your tax advisor regarding your individual tax implications. The $200 reward is administered by Hallmark Insights, which is not affiliated with Wells Fargo Home Mortgage and may be withdrawn at any time without notice.

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.

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