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The following are design requirements for advertorial submissions.These design rules will help expedite the process for Scotsman Guide approval of creative advertorial. For information about what constitutes an advertorial, visit wikipedia.org/wiki/advertorial

Questions? Please contact your account executive.

Scotsman Guide reserves the right to change or edit these require-ments at any time. As per our published guidelines, Scotsman Guide also reserves the right to refuse advertising from any individual or company.

• Maximum dimensions for advertorial copy are the live area defined in “Scotsman Guide Advertising Specifications and Requirements” document; please contact production@scotsmanguide.com for a copy. We do not allow bleed advertorials.

• Advertiser logo(s) must be included in the advertorial and meet a minimum size. For example, the minimum size for a full-page advertorial is 2.5 inches in width. In instances where advertorials are wider, logos may be required to be wider.

• Advertisers may not include an ad within an ad. This includes page styles commonly seen in Scotsman Guide, including a junior-page ad surrounded by editorial content. On a case-by-case basis, in a similar style ad, the logo must be included in the outer area.

• Typefaces and layout should bear no resemblance to standard editorial templates in Scotsman Guide publications. This includes, but is not limited to, fonts, font size, leading, layout, style, illustration style and color. Specific fonts that cannot be used in body copy or subheads are: Century, Meta and Myriad font families. Body copy that is 9.75 points, with 12 point leading, cannot be used unless the font is considerably different from SG template fonts.

• Scotsman Guide will add the text “PAID ADVERTISEMENT” at the top of each page of every ad deemed an advertorial. The text size depends on the ad size. For a full-page or multiple-page spread, the text will be 13-point Helvetica Bold.

• No ad deemed advertorial will receive a folio treatment at the bottom of the page.

• No reference to Scotsman Guide or Scotsman Guide Media can be included in the headline or main body text.

• No pull-quotes are allowed with similar look to Scotsman Guide templates. This includes font and use of SG template colors.

- By Layne Sapp, CEO MILA - Mortgage Investment Lending Associates

MILA In Your Office™ Has Just Taken On A Whole New Meaning.Leading online mortgage provider shows the way to total access and total control of the loan process.

Here’s what it means - you make more money and you save more time. Let’s suppose you have a borrower that doesn’t cleanly t a conventional loan package. Or, you need to close a loan by Friday – and this is Thursday. Or you’re expanding your business, offering both conforming and non-conforming paper. Or, even better, you work with a lender that has a process that you absolutely love. Their lending process is quick and effortless, ensuring you have a steady stream of happy borrowers as referral sources. But the lender specializes in only one type of loan product. Great news! MILA In Your Of ce™ now meets your every need. Forget about needing one lender for one type of loan, and another lender for a different loan. The result is less stress, quicker lending and happier borrowers. Sound good? Read on.

A complete end-to-end system that will enable you to manage your entire business from point-of-sale through closing to increase revenues (make more money), decrease over-head (save time and resources) and have ultimate power over the loan process.

Freedom from having to keep track of too many lenders and loan products with too many different processes, and too many different un-derwriting criteria. Most importantly, MILA In Your Of ce means freedom from unnecessary paperwork, hassle, time and effort.

Products, products, products! More loan products meeting the needs of more borrowers means more business for you. Now you can use our industry-leading AccessPoint system for every kind of loan product. You may have thought of us as just a non-prime lender, but MILA now of-fers a full spectrum of loan products. Of course, that means that we’ve added Alt-A, jumbo, conforming/prime, pay option ARMs, MI and impounds to our portfolio of products. Having more mortgage products allows you to attract a wider pool of borrowers, increase referrals and make more money. You can expand your market without having to keep track of multiple lenders and use different processes. Now you can meet the individual needs of

any type of borrower without jumping around from lender to lender or from process to process. MILA is now the single lender for competitive products and rates for any type of loan. We even allow you to “shop” the loan through our system, offering your borrowers the highest LTV and lowest rate products in non-conforming, Alt-A and conforming – all in one place! And we give it to you in a side-by-side menu so you and your borrower can pick and choose the loan that’s just right. So, the best news of all is that you can now use MILA’s effortless AccessPoint system for the better, quicker, easier loan process in every loan product area.

You get a pre-qual from the lender. You send in your loan le. With most lenders, this is where the “fun” starts. “You can have that program, if you… and you… but you don’t qualify for…” What a waste of time. At MILA, you get an approval upfront – not a silly pre-qual that 9 times out of 10 your borrower will never actually qualify for. And while we’re at it, we’ll give you the conditions speci c to your loan so you know upfront what you need. You satisfy the condition that’s on the approval, your loan closes. No ifs, ands or buts.

People change their minds.Your borrower wants an interest-only instead of an interest-and-principal. Or the customer wants to put more on a down payment. Or they decide to add a co-borrower to the loan. In

AccessPoint, with just a couple of toggles and clicks you can change your AccessPoint approval. No re-entering your application, no back and forth with the lender, no hassles. Even if you have already submitted your le, a phone call to our help desk can modify your loan while you’re still on the phone. Now that’s real-time!

At MILA, technology means more to us than a lending platform. It means providing you with tools, services and communication through technology that no other lender is willing to provide. Like our help desk. One call or email does it all. Stop wasting time calling multiple contacts to get help. Have an underwriting question? Need a loan scenario? Need help with the application? You don’t have three different places to contact for answers. We’ve put it all together in a one-stop problem-solving destination. No matter what you need, the answer is at Help@MILA. Call or email and get answers to your ques-tions in real-time, real quick.

Or maybe you’d like to chat? Within 4 seconds, you can be chatting “live” with a MILA Associate with our new Live Chat feature. No more playing phone tag! Get your questions answered in an instant and never have to leave your loan application.

MILA’s mix of technology and the human touch is unsurpassed in the industry. Another exciting new way we help you is to come right alongside you while you’re working through your

loan app. We call it “co-browsing,” you’ll call it amazing. You’ll think MILA In

Your Of ce just popped a little person in your computer. If you’re logged into AccessPoint and need help, go to live chat and our help desk will practically jump right into your desktop with you and walk you through your own loan application right in front of your eyes. It’s only at your invitation.

The summer months at MILA are heating up. We’ve just entered Florida (a big, warm welcome to the Sunshine State!). Georgia and the rest of Southeast are not far behind. MILA Will Soon Be a National Lender. That’s right, no matter where you serve borrowers in this country, MILA will be there to serve you. MILA will of cially become a national lender by the end of this year, operating in the contiguous

We’ve spent millions building new products and perfecting our technology. Now we are investing in you. Products and technology are great, but if you don’t know all the great time-saving and revenue-producing secrets of AccessPoint, or can’t keep up with our product development, what’s the point? That’s why we developed “The AccessPoint Power” Tour. Take “The Tour” online to unleash the power! A simple 30-minute session will not only show you the ins and outs of the system, but will show you the time-saving, money-making features only AccessPoint provides. After your session, you’ll be a certi ed power user, which gives you a signi -cant competitive edge.

Freedom. To make more money and save more time.

Get more details on your future with MILA in our new, free booklet, “Secrets to Lending Free-dom” Inside, top brokers share their personal secrets. Don’t miss this! Available online at www.mila.com/sgfreedom.

Equal Housing Lender. ©2006 MILA, Inc. 6021 224th Street SW, Mountlake Terrace, WA 98043. AZ: License # BK 0018602; CA: Licensed by Dept of Corporations under CRMLA License # 4130256 and CA Dept of Corporations under CFL License #6038748; Illinois Residential Mortgage License #5036; Kansas Supervised Loan License #1997-3606; MN: Not an offer to enter an interest rate lock-in agreement under MN law. MO: Exempt under Missouri Residential Lending Act; OH: Dept of Com-merce Cert #6526; RI: Lender License # 20041738LL; WA: Consumer Loan License #520-CL-17862. Also licensed in CO, CT, FL, IN, IA, KY, ME, MD, MI, MT, NC, ND, NE, NV, OK, SC, SD, TN, TX, UT, & W I . In Illinois, Michigan, Nebraska, Oklahoma

and Texas, MILA, Inc., is doing business as Mortgage Investment Lending Associates. Some products may not be available in all states. Rates and programs are subject to change without notice. All loans subject to credit approval. This is not a commitment to lend. Program restrictions apply. All rights reserved. Provided to mortgage professionals for information only and not intended or authorized for consumer or public distribution as de ned by §226.2 of Regulation Z, which implements the Truth-in-Lending Act. www.MILA. com is a website domain registered to MILA, Inc. Trade/service marks are the property of MILA, Inc. This information accurate as of June 20, 2006.

Mila in your office.™ the better, quicker, easier loan process.

United States.

PAID ADVERTISEMENT PAID ADVERTISEMENT

• Each advertorial ad should include at least one headline that is 18-point type or larger.

• On a case-by-case basis, advertorials may be required to include a minimum 1-point black keyline around the edge of the ad, set at the live area or as specified, or further within the page — especially as it relates to advertisements of junior-page size or smaller.