Our approach to one-stop shopping is built on client satisfaction and convenience. By purchasing your home through William Raveis Real Estate, financing it through William Raveis Mortgage, insuring it through William Raveis Insurance, obtaining title insurance from Kelsey Title Company* and real estate closing services from the William Raveis Attorney Network**, you are entitled to any combination of bonuses through our exclusive William Raveis Rewards Program as itemized below. Most importantly however, you are assured of efficient, streamlined home-buying and closing transactions as a direct result of the communication and established synergies among the William Raveis family of companies.

• Pre-approval in minutes!
• Hundreds of loan programs including 15-30 year conventional fixed, FHA/VA loans, CHFA loans, adjustable rate mortgages, jumbo & super jumbo loans, blend first/second mortgages, construction loans, no income-no asset verification and much more
• Competitive rates
• Experienced Executive Mortgage Bankers available to meet with you in their office, your home, at work, evenings or weekends
• Full processing, underwriting, and closing staff to ensure a smooth transaction
• Guaranteed closing date. For details, contact your William Raveis Executive Mortgage Banker

• Partnerships with major insurance companies including Chubb, The Hartford, Progressive, Encompass, Travelers, Fireman’s Fund, and American Reliable
• Full Service coverage including Homeowners, Renters, Auto, Flood, Valuable Items, Watercraft, Life, Worker’s Compensation and Employment Practices Liability, to name a few

• One-stop shopping service: clients satisfy their mortgage, closing, homeowners, and title insurance requirements in a single, consolidated, and stress-free closing experience
• Experienced closing attorneys available at competitive rates
• Streamlined closing transactions as a direct result of the communication and established synergies between William Raveis Real Estate, Mortgage, Insurance, Kelsey Title Company* and the William Raveis Attorney Network**

If you elect to take advantage of our one-stop shopping offerings and you are approved for a William Raveis Rewards Card, you will be eligible for the following bonus points§

Platinum Level* - 10,000 William Raveis Rewards Bonus Points.

Use of William Raveis Mortgage, William Raveis Insurance, and Kelsey Title Company

Silver Level - 5,000 William Raveis Rewards Bonus Points.

Use of William Raveis Mortgage and William Raveis Insurance or Kelsey Title Company*

Bronze Level - 2,500 William Raveis Rewards Bonus Points. Earned by:

• Utilizing William Raveis Mortgage only
• Utilizing William Raveis Insurance only
• Utilizing Kelsey Title Company* only
• Listing or selling your home through William Raveis Real Estate & Home Services
• Referring a customer to the William Raveis Rewards Card (Call our customer service representative at 1.877.698.5809)

To start earning your rewards today, click here for an online application or contact our Customer Service Representative at 877.698.5809 or via email at rewardspoints@raveisre.com

*Not available in Massachusetts
**In Connecticut, legal services are provided through The Kelsey Company

§ To be eligible for William Raveis Rewards Bonus Points, you must have a William Raveis Rewards American Express^® Card and be a Cardmember in good standing. You must have the William Raveis Rewards Card within 90 days of qualifying for William Raveis Real Estate Platinum, Silver or Bronze Level. All William Raveis Platinum Level qualifiers are defined as, and will be eligible to receive 10,000 Points for the purchase and use of William Raveis Mortgage, William Raveis Insurance and the Kelsey Title Company*. All William Raveis Silver Level qualifiers will be eligible to receive 5,000 Points for the purchase and use of William Raveis Mortgage and William Raveis Insurance or the Kelsey Title Company*. All William Raveis Bronze Level qualifiers will be eligible to receive 2,500 Points for the purchase and use of one (1) of the following: William Raveis Mortgage, William Raveis Insurance, the Kelsey Title Company* or by listing or selling your home through William Raveis Real Estate. There is no annual fee for the William Raveis Rewards American Express Card. This offer does not apply to any other William Raveis service/products not outlined in this disclosure and is void where prohibited. William Raveis Rewards Cardmembers are eligible to receive 2,500 Bonus Points for referring an applicant to the to the William Raveis Rewards American Express^® Card. Referred applicant must be approved by FIA Card Services, N.A. for points to be awarded. Validation of referral is subject to approval by William Raveis Real Estate & Home Services. Bonus Points available for services completed/closed and referrals to the William Raveis Rewards American Express Card made on or after May 17, 2006. William Raveis Rewards Points ("Points") will be credited to your account within 10 to 12 weeks after registering your account with William Raveis Real Estate Customer Service Representative, who can be contacted by calling 877-698-5809 Monday through Friday from 9:00 am to 5:00 pm Eastern Standard time. For additional information about the William Raveis Rewards Card visit www.raveis.com or call 877-698-5809.

Terms and Conditions apply to benefits and features. See Cardmember Guide to Coverage for more details.The William Raveis Bonus Points program is sponsored by William Raveis Real Estate & Home Services. This Credit Card program is issued and administered by FIA Card Services, N.A. The WorldPoints program is managed in part by independent third parties, including a travel agency registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87890286); Washington (Reg. No. 6011237430) and other states, as required. American Express is a federally registered service mark of American Express and is used by issuer pursuant to a license. WorldPoints, the WorldPoints design, Bill Pay Choice, and “Everyday life has its own rewards” are registered trademarks of FIA Card Services, N.A. Intersections and Identity Theft Recovery Unit are service marks of Intersections, Inc.