ADVERTISEMENT SUBMISSION FORM

Email to: admin@azhollywood.com

or Mail it to: SHUNTBILLING

AZ HOLLYWOOD

HOLLYWOOD ARIZONA AZ

1542 W. Posada Ave.

Mesa, AZ 85202

Contact No: (602)903-2079

Website:

Complete this section as your cover page

COMPANY NAME:

QUALIFIED EMPLOYEE OR COMPLIANCE PERSON:

APPROVAL/ DISAPPROVAL OF AD:

CONTACT NO:

EMAIL ADDRESS:

WEBSITE:

FACEBOOK:

TWITTER:

MUST BE THE NUMBER /EMAIL OF QE OR COMPLIANCE PERSON:

Print – submit the final proof as designed to run

[ ] Flyers and postcards – mark ‘front’ and ‘back’ or indicate number of pages of the brochure

[ ] Billboard – indicate size

[ ] Mailings – Must be submitted on company

letterhead

[ ] TV – submit in hard copy form the verbal text

and any viewed text (2 column format

suggested)

[ ] Radio – submit the verbal text exactly as will be read

[ ] Websites – send cover page with the web

Address indicated – The Division will view.

[ ] Initial Request for Approval (allow 24 – 48 hour turnaround)

[ ] Resubmitted for approval with corrections

________________________________________________________________________

MARK APPLICABLE ITEMS

[ ] Print media - please indicate type

[ ] Newspaper, magazine etc

[ ] Sales literature

[ ] Sales brochure or flyer

[ ] Newsletters*(see special instructions)

[ ] Billboard

[ ] Yellow-page listing if more than a line listing

[ ] Mass mailing of correspondence (letters only)

[ ] Radio or television advertisement

[ ] Telephone or seminar script

[ ] Website – submit the web address and times

available for the Division to review

[ ] Other – please describe

__________________________________________

Or indicate number of pages of the brochure

INSTRUCTIONS and GUIDANCE for ADVERTISING COMPLIANCE

***** DO NOT FAX THE INSTRUCTIONS WITH THE COVER PAGE TO THE DIVISION *****

1.  Name of the company as filed with the Division (logos do not need to include the name as filed with the Division; however the exact name should then be included in the address section.)

2. Address and or Address of licensed location (The location in the ad must have an effective license and include the main telephone number of the location.)

3. Main phone number of that location (Other telephone or cellular numbers may be included in addition to the main number.)

4. If a representative or QE name is in the ad, they must have an effective contract before we approve the ad; the QE or representative name must be

The QE of the company (nick names can be used in addition to the licensed name).

(DO NOT submit the ad until the company or QE license has been posted on the web site.)

______________ What advertising needs to be APPROVED?____________________

The definition of "advertising" includes commercial messages that promote the availability of products or investments offered by the company. Including to:

(a) Print media;

(b) Sales literature;

(c) Sales brochures or flyers;

(d) Billboards;

(e) Yellow-page listings if more than a line listing;

(f) Radio and television advertisements;

(g) Mass mailings; (Letters must be on the actual letterhead to be used)

(h) Telephone or seminar scripts; and

(i) Websites or other internet sites that promote or accept applications.

* NEWSLETTERS – If newsletters are purchased from a third party only the initial newsletter need to be approved. Disclosure

Wording to note that the information is purchased not written must be included in the newsletter. Suggested wording "The

Information contained in this newsletter has been prepared by (or purchased from) an independent third party and is distributed for consumer educational purposes."

* * * Advertising that does NOT need approval * * *

1. White page listings,

2. Employment recruiting announcements,

3. Office signs,

4. Banners,

5. Magnetic car signs,

6. Business cards and letterhead which contain only the name, address and telephone number.

* * * ADS WITH NONSUBSTANTIVE CHANGES DO NOT NEED TO BE SUBMITTED * * *

Non-substantive changes" include:

(a) Interest rates that are quoted in the advertisement and any corresponding annual percentage rates, compensation and pricing.

(b) Promoting another QE in the same format of advertisement;

(c) Promoting other branch locations in the same format of advertisement;

(d) Placing links on websites that direct the user to noncommercial or consumer education websites;

(e) Direct telephone or cellular phone numbers.

_______________How to comply with SEPARATE and DISTINCT________________

􀂾 Newsprint, magazines - Example: If a real estate company and a mortgage company want to advertise jointly. The information

(Name, address, phone numbers) of each of the separate companies must be included and distinguishable as separate and distinct different companies.

􀂾 Post cards, brochures, flyers – separate by front and back, top and bottom or separate page insert.

􀂾 Verbal media (radio, telephone message, television) - Separate discussion of the activity of the company to be stated first or follow discussion of the other commercial enterprise.

Example: If a real estate agent discusses a specific home and its amenities,

The lead line could be stated, "For information on how to obtain financing on this property contact . . . . (And any discussion of the company would then follow.)

APPEARANCE OF CHECKS AND GOVERNMENT SPECIALIZED DEPARTMENT

WITHIN COMPANY.

􀂾 A check,

􀂾 A communication from a government entity, or

􀂾 An envelope containing a check or a communication from a government entity, unless:

Or the words "THIS IS NOT A CHECK," "NOT NEGOTIABLE" or "THIS IS NOT A GOVERNMENT ENTITY," as

Appropriate, appear prominently on the envelope and any material that simulates the appearance of a check or a communication from a government entity; and if the material simulates the appearance of a check, the material does

Not contain an American Bankers Association number, micro encoding or any other marks intended to create the appearance that the material is a negotiable check.

The Division will not approve correspondence that appears to be from a specialized department of the company unless that

Department exists in the corporate structure or words or logos that have the appearance of a government entity or division.

______________________INTEREST RATE TEXT GUIDELINES _______________

Regulation Z Truth in Lending and Official Staff Commentary guidelines are followed and available from the Federal Reserve System, summarized below.

size can be no smaller than other font size in the advertisement.

o If using any of the following terms, all of the items must be included in the advertisement:

o Amount or percentage of the down payment

o The number of payments or period of repayment

o Amount of any payment

o Amount of any finance charge

o Variable rates must disclose terms with a phrase such as "which is subject to change"; the terms of the variable rate; limits and

caps.

o Cannot use the phrase ‘skip a payment’, it is acceptable to indicate payments are deferred

______________________INCENTIVES AND GIVEAWAYS ________________

o Items of value cannot be advertised to be given away as an inducement to conduct business. If a drawing or a giveaway of free

item is advertised it must be available to the public and cannot be conditioned upon applying for or obtaining a loan. The

drawing date and the date on which the winner will be announced must be stated. The drawing or raffle must comply with

other regulatory rules not under the jurisdiction of the Division.

o Items stated as free (such as appraisals and credit reports) must be free and not subject to a funded loan unless stated in the ad

that it is subject to closing a loan. If free there cannot be an increase in other charges to offset the ‘free’ items.

o Other items such as gift cards or certificates cannot be conditioned to a loan closing or completion of a loan application.

____________________DISCLOSURES FOR PRIVATE MONEY _______________

Mortgage brokers who advertise for private investors must include in their advertisements the following disclosures:

Money invested through a mortgage broker is not guaranteed to earn any interest or return and is not insured.

Prior to investing, investors must be provided applicable disclosure documents.

No advertisements can state or imply a loan-to-value or appraised or comparative value, unless an appraisal is completed by a licensed appraiser.

No statements of personal guarantees can be made by borrowers, if the borrower has any affiliation with the Mortgage Company or

principal of the mortgage company.

RECORD KEEPING REQUIREMENTS

Approvals for advertising must be maintained at the location of the company and must be available for inspection for at least 1

year after the last day that the advertisement is used. The company or corportae should maintain a separate file at the location of the licensee

with all ads and the approvals received from the Division. If ads with non-substantive changes have been used, a copy of the original or electronically via email

approved ad should be maintained with all forms of the ad used.