BRAND STANDARDS MARCH, 2013 VERSION 1.0

Transcription

1 BRAND STANDARDS MARCH, 2013 VERSION 1.0

2 INTRODUCTION Why is this brand standards guide important? The goal of this brand standards guide is to communicate Waterstone Mortgage Corporation s commitment to our values and unique identity. These standards will provide clarity and efficiency for anyone creating Waterstone Mortgage branded communications. A brand is the sum of all the attributes, tangible and intangible, that make a company unique its name, its past, its advertising, its promises and its reputation. A brand standards guide protects these assets, providing our employees and partners with a useful tool for ensuring a consistent appearance and message whenever and wherever the brand is represented. Consistency in branding is crucial. It creates a sense of confidence and familiarity among our customers. It also reflects our company s commitment to quality. A well intentioned change in phrasing, the slightest distortion in the logo s shape or the wrong shade of blue can reflect carelessness and unprofessionalism. As a leading mortgage provider, our reputation for excellence is paramount. Everything bearing Waterstone Mortgage brand elements represents our organization. The standards contained in this guide may not cover every situation encountered when creating Waterstone Mortgage communications. They provide a foundation that, combined with sound judgment, will help communications professionals make informed, responsible decisions. Please take the time to learn the specifics behind our brand strategy, creative expression and communication tools. Waterstone Mortgage Corporation Brand Standards 1

3 CONTENTS 3 Know the brand 3 Our external message 4 Our internal message 5 Waterstone Mortgage brand logo usage 5 Logo 6 Logo versions 7 Logo acceptable clear zone 8 Incorrect applications of the Waterstone Mortgage brand logo 10 Usage of team names 11 Secondary logo usage 12 Typography 12 Preferred fonts 15 Acceptable font substitutions 16 Additional typography considerations 17 Color palette 17 Corporate colors 18 Program colors 19 Customer and partner colors 20 New LO Package colors 20 Waterstone Mortgage colors 21 Web, and social media guidelines 21 Web & social media 22 Social media 23 signatures 24 Photography 24 Primary photographic style 25 Secondary photographic style 26 Staff portraits 27Team portraits 28 Brand language 28 Voice and characteristics 29 Lending language 30 Differentiators 31 About the Marketing Department Waterstone Mortgage Corporation Brand Standards 2

4 KNOW THE BRAND Know the brand: Our external message Waterstone Mortgage leads with a custom approach to how we serve first-time homebuyers and experienced borrowers. Depending on the borrower, we may deliver a personal, consultative experience that educates and sets expectations, or we may take an approach that focuses on clarity by leveraging technology and delivering real time insights. All customers benefit from our rock-solid financial strength combined with our flexibility as mortgage experts, resulting in a superior loan experience. Being the best is more important to our customers than being the biggest. We have transformed the mortgage experience by focusing every effort, technology and procedure on what our customers truly want. Mission: We take the confusion and anxiety out of the mortgage process so our customers have a clear path to their dream of homeownership. We do more than lend money to buy a home. When we take into account the loan experience, we strive for simplicity while leveraging our expertise. Residential mortgage lending is our singular focus, so we are uniquely adept at delivering individualized service to every customer. Vision: No one brings clarity and accountability to the residential lending industry like Waterstone Mortgage Corporation. Customers want to be informed during the loan process. They want to know they can trust their lender to lead them along the right path. Our representatives provide immediate response to questions and up-to-the-moment loan information so customers never have to wonder where they are in the loan process. We excel in leveraging innovative technologies and industry foresight to provide a better approach to obtaining a home loan. Waterstone Mortgage excels in new home loans, which represent 70 percent of our business vs. the national average of just 25 percent. Waterstone Mortgage believes customers deserve to enter the home loan process with a feeling of empowerment. We maintain timely, informative communication with customers while taking advantage of our extraordinary financial strength to provide the ultimate mortgage experience. Waterstone Mortgage Corporation Brand Standards 3

5 KNOW THE BRAND Know the brand: Our internal message Waterstone Mortgage follows a single, guiding principal: Do what s right. Since the beginning, we have understood that responsible lending leads to responsible growth. Our people demonstrate honesty and discipline with every customer, from the first interaction to the final transaction. We are proud of these values. Because we embrace technology and other customer-focused methods of delivering the ultimate lending experience, we can be incredibly responsive, efficient and respectful of the customer s time. The most successful Waterstone Mortgage employees are those who adapt well to change, embrace challenges and enjoy finding solutions. Waterstone Mortgage provides employees with a clear vision of how to do the right thing. We serve the customer s best interests with the best toolkit in the industry support, marketing, technology and a strong financial backing. We take the initiative to soar on our own or lean on team members when necessary. We bring success and stability to our families, communities and customers by simply doing the right thing. Values Expertise: a singular focus on residential lending Discipline: predictable steadiness in a rapidly changing industry/economy Innovation: service-oriented technology to maximize convenience Honesty: courageous communication at all times Simplicity: clarity and brevity for the sake of the homebuyer Responsiveness: prompt attention to customers and business partners Waterstone Mortgage Corporation Brand Standards 4

6 LOGO USAGE Brand logo usage In any visual graphic application, the Waterstone Mortgage brand name is represented in the form of a logo. Consistent, appropriate use of the logo goes far in effectively communicating our name and building recognition of who we are. The Waterstone Mortgage logo consists of specially designed artwork and type. Some of the font characters have been modified in ways not immediately evident. Therefore, the logo may not be recreated by anyone, including re-typesetting the text portion, because these subtleties may be lost. Likewise, do not relocate elements, such as placing the word Mortgage to the right of Waterstone. The logo is available to authorized users in all appropriate file formats. Consistent, appropriate use of the logo goes far in effectively communicating our name and building recognition. Waterstone Mortgage Corporation Brand Standards 5

7 LOGO USAGE Logo versions The preferred graphic treatment of the Waterstone Mortgage logo is in two colors, Pantone 541 blue and Pantone Warm Gray 8 on a white background (see color palette on page 18 for more information). Using the preferred versions creates consistency and strengthens the company s identity. Alternative versions of the logo have been provided to address different design or printing needs. Again, use these versions only when reproducing the logo - no additional liberties may be taken with the logo without the knowledge and permission of the Waterstone Mortgage marketing department. Preferred Alternate 2-color spot (with gradient) For applications, such as screen printing and promotional products, where colors cannot blend 2-color spot, solid (no gradient) For special applications, such as screen printing and promotional products, where colors cannot blend and gradients cannot be rendered CMYK For print applications where professional printing using Pantone inks is not necessary RGB For use in correspondence, Web pages and other Internet applications 1-color, blue (with gradient) Where multiple colors are not an option, this 1-color, blue version is preferred 1-color, grayscale (with gradient) Where multiple colors are not an option, this grayscale version is preferred as it contains the gradient Logo files are provided by the Waterstone Mortgage marketing department. A reasonable alternative to printing Pantone color inks is to use the CMYK match of the Pantone 541 blue and Pantone Warm Gray 8. The correct formula is presented on Page 18 of this document. 1-color, solid (no gradient) For applications where neither multiple colors nor gradients are possible, or for non-printed applications like debossing and engraving 1-color, reverse For use against dark colors or backgrounds Waterstone Mortgage Corporation Brand Standards 6

8 LOGO USAGE Logo acceptable clear zone It is highly recommended that the logo be reproduced on a solid background of light or dark (for maximum contrast) and that a clear zone be maintained around it, free from distracting graphic elements and trim. Width of W Width of W Width of W Width of W Width of W Waterstone Mortgage Corporation Brand Standards 7

9 LOGO USAGE Incorrect applications of the Waterstone Mortgage logo The purpose of showing incorrect applications or logo designs is to illustrate the damage that inconsistent logo usage can create. Obviously, not every unacceptable use can be addressed but the point is clear: altering the logo in size, shape, or any other way dramatically affects our company s image. It is the responsibility of everyone using the logo to apply it correctly. The elements of the logo are positioned in precise relationship to each other and must not be changed. The colors have been carefully chosen and must not be altered. Never narrow the logo. Never widen the logo. Never distort the logo. Never alter the relationships of elements. Waterstone Never reset type. Waterstone Mortgage Corporation Brand Standards 8

10 LOGO USAGE Incorrect applications of the Waterstone Mortgage logo Even when the size and shape of the logo are not altered, other incorrect applications of the logo can impact the professional display of our company name. The following uses violate our approved logo rules in subtle and not-so-subtle ways. Please contact the Waterstone Mortgage marketing department if you have any questions on what may or may not be acceptable. Never use incomplete. Never screen the logo back. Do not use any color Do not use the logo on an angle. combinations on the logo other than those listed as approved standards. Do not use the logo in combination with another graphic element or logo. Never use the logo on a visually competing background. Waterstone Mortgage Corporation Brand Standards 9

11 LOGO USAGE Usage of team names In certain materials, employees may choose to include the name of their team. The team designation is always secondary to the Waterstone Mortgage logo. Teams may customize the style of their name using any of the fonts shown on pages 13 through 16. Up to two lines are available for team names. When you are ready to have your team name typeset with the Waterstone Mortgage logo, please contact the Marketing Department to have the art created and sent to you. Use of an additional logo is not permitted, as it visually competes with the Waterstone Mortgage brand. Positive Text Option Team name can use one or two lines of text and must fit within the dotted rectangle at proportionate size Team Name Line 1 Team Name Line 2 Align with right edge Reversed Text Option One-line team name reversed against PMS 541C Two-line team name reversed against PMS 541C Team Name Line 1 Team Name Line 1 Team Name Line 2 Optional color backgrounds Team Name Line 1 Team Name Line 1 Team Name Line 1 Team Name Line 1 Team Name Line 1 PMS Warm Gray 8 C PMS 429 C PMS 716 C PMS 575 C PMS 3005 C Waterstone Mortgage Corporation Brand Standards 10

12 LOGO USAGE Secondary logo usage Waterstone Mortgage is an Equal Housing Lender (EHL). The EHL logo must ALWAYS be present on marketing pieces. Size should be no smaller than.375 inches wide. Placement should be at the bottom left of the page, above the job number and next to the disclosure. See Page 17 for disclosure statement. Example shown with disclosure statement and job number: Waterstone Mortgage Corp. (NMLS #186434) is a wholly owned subsidiary of Waterstone Bank SSB (NASDAQ: WSBF) JobName-Branch-JobNumber-MDYY Waterstone Mortgage Corporation Brand Standards 11

13 TYPOGRAPHY Typography Specific typefaces, or fonts, have been selected for use in Waterstone Mortgage communications. These fonts must be used consistently to build recognition and create a cohesive look among all marketing pieces. GOTHAM - MAIN FONT FOR HEADLINES & BODY COPY Gotham is the main font used in all materials. Gotham Thin Gotham Light Gotham Book Gotham Medium Gotham Bold Gotham Light Italic Gotham Book Italic Gotham Medium Italic (continued) Waterstone Mortgage Corporation Brand Standards 12

14 TYPOGRAPHY Typography (continued) GOTHAM NARROW - SUBSTITUTE FONT FOR BODY COPY The use of Gotham Narrow is recommended on pieces with extensive body copy or where space is limited. Gotham Narrow Thin Gotham Narrow Light Gotham Narrow Book Gotham Narrow Medium Gotham Narrow Bold Gotham Narrow Light Italic Gotham Narrow Book Italic Gotham Narrow Medium Italic (continued) Waterstone Mortgage Corporation Brand Standards 13

15 TYPOGRAPHY Typography (continued) SENTINEL The use of Sentinel for subheads, pullquotes and emphasis is recommended. Sentinel Light Sentinel Light Italic Sentinel Book Sentinel Book Italic Sentinel Medium Sentinel Medium Italic Sentinel Bold Sentinel Bold Italic Waterstone Mortgage Corporation Brand Standards 14

16 TYPOGRAPHY Typography - substitutions Font substitutions for web use and when Gotham and Sentinel aren t available. Primary Choice Font substitute for Gotham is Lato. Lato Light Lato Regular Lato Bold Lato Italic Lato Bold Italic Font substitute for Sentinel is Prata. Secondary Choice Arial Regular Arial Bold Arial Italic Arial Bold Italic Waterstone Mortgage Corporation Brand Standards 15

17 TYPOGRAPHY Additional typography considerations Return address specifications The following return address information should be included below the company logo on publications that carry the return address. Example: 1/4" space Customer Service Department 1133 Quail Court Pewaukee, WI WaterstoneMortgage.com Department Name in Gotham Medium Additional info in Gotham Book Website address is optional Align with left edge of Mortgage Website address format Do not include "www" when referencing website addresses. Capitalize the "W" in Waterstone and the "M" in mortgage. Example: WaterstoneMortgage.com Phone number format separate numbers with periods, not dashes or parentheses. address format capitalize first initial, first letter of last name, the "W" in Waterstone and the "M" in mortgage. Disclosure All marketing collateral must contain the following statement, set in Gotham Book, 7 pt: Waterstone Mortgage Corp. (NMLS #186434) is a wholly owned subsidiary of Waterstone Bank SSB (NASDAQ:WSBF) * There will be additional disclosure based on branch location. Please contact Marketing for your specific branch information. Date and job number format JobName-Branch-JobNumber-MDYY, set in Gotham Book, 7pt in PMS Warm Gray 8: Example: BrandStandards-CP indd The date and job number (without the job name) should always be positioned at the bottom left of the piece, below the equal housing lender logo. If there is no space, the name of the file should stay the same. Waterstone Mortgage Corporation Brand Standards 16

18 COLOR PALETTE Corporate color palette Accurate color matching of the Waterstone Mortgage blue and gray in all applications and communications is imperative. Professional graphic designers and printers use a color matching system called the Pantone Matching System (PMS). When possible, use Pantone inks for maximum consistency and visual recognition. 541 C PMS 541 C CMYK 100, 57, 0, 38 warm gray 8 C PMS Warm Gray 8 C CMYK 0, 9, 16, C 716 C 716 C 4625 C 256 C 272 C 525 C 0, 29, 100, 0 0, 61, 99, 0 0, 62, 100, 32 30, 72, 74, 80 9, 22, 0, 0 61, 56, 0, 0 69, 100, 4, C 429 C 339 C 341 C 575 C 2915 C 290 C 16, 11, 45, 25 21, 11, 9, 23 84, 0, 59, 0 95, 5, 82, 24 55, 9, 95, 45 59, 7, 0, 0 23, 0, 1, C 460 C 397 C 100, 31, 0, 0 2, 2, 55, 3 14, 2, 100, 15 Accurate color matching is crucial to consistently and effectively communicating our brand and building recognition of who we are. Great care must be taken when producing any piece of Waterstone Mortgage communication to match our corporate colors. Waterstone Mortgage Corporation Brand Standards 17

19 COLOR PALETTE Programs color palette Overview Government Path2Buy Jumbo FHA 203(k) VA USDA Reverse Fannie/Freddie Construction Niche/Condos HomePath HARP Investment College Bound Waterstone Mortgage Corporation Brand Standards 18

20 COLOR PALETTE Customers color palette First Time Home Buyers Refinance Prospects Partners color palette Realtors Financial Planners Waterstone Mortgage Corporation Brand Standards 19

21 COLOR PALETTE New LO Package color palette Guidelines New LO Package Waterstone color palette Process General Waterstone Mortgage Corporation Brand Standards 20

22 WEB, AND SOCIAL MEDIA GUIDELINES Web, and social media guidelines When presenting the brand through electronic media, all of the previous guidelines apply. In addition, other standards must be considered to maintain brand integrity. Web The RGB logo should be used for websites. It should not be animated or encroached upon by another animation. Do not apply visual effects such as drop shadows, bevels, reflections or highlights. If the logo is used as a hyperlink, the alt text for the logo should only say Waterstone Mortgage Corporation. Do not, for example, use a promotional statement such as, Your trusted mortgage company or any keywords intended to increase SEO for the page. Social Media Social media serves a large audience, including business contacts, coworkers, friends, family, customers, the media and many others. When information goes out to such a diverse group, it is important to remember how one message can be interpreted differently by different people. If referencing our company on social media, always use the full name, Waterstone Mortgage Corporation, to avoid confusion with Waterstone Bank or other companies that may have a similar name. Do not create unapproved messaging to go along with the post. It is acceptable to repeat verbiage that has been used in approved advertising intended for public consumption. Waterstone Mortgage Corporation Brand Standards 21

23 SOCIAL MEDIA GUIDELINES Social media guidelines (continued) Get permission in writing to use a customer s name in a testimonial, and never include last names. Avoid making recommendations that could result in a financial loss for any of your social media followers. Do not provide links to any website that contains false or misleading information, even if the link itself goes to truthful information. Keep posts professional and compliant. When in doubt, refer to the guidelines outlined at Get permission in writing to use a customer s name in a testimonial, and never include last names. Acceptable: Congratulations to Bob and Cynthia on purchasing their first home! Acceptable: (Client testimonial) Thank you, Bill, from Waterstone Mortgage Corporation, for giving us such dedicated attention! Cynthia and Bob M., Springfield Not acceptable: Congratulations to Bob and Cynthia on purchasing their first home! Party at the Millers! Avoid making recommendations that could result in a financial loss for any of your social media followers. Acceptable: Tip: Saving for your down payment? Consult a quality financial advisor who can offer you solutions based on your specific needs. Not acceptable: Tip: Don t have enough for a down payment? Try investing short term in the stock market. Do not provide links to any website that contains false or misleading information, even if the link itself goes to truthful information. Acceptable: Getting your home ready for sale? Learn the Top 10 Tips for Decorating Your Home for Prospective Buyers at Not acceptable: You can learn more about the economic factors that affect rates at Waterstone Mortgage Corporation Brand Standards 22

24 WEB, AND SOCIAL MEDIA GUIDELINES signature guidelines Many people like to use a company logo in their signature. Waterstone Mortgage has developed four signature templates approved for use in correspondence. Make sure the logo file is a part of the being sent, if applicable. Send a test to someone who does not have the same logo file on his or her computer. If the logo doesn t appear in the signature portion of the , consult someone who understands the software you use and how to embed a graphic in your signature. Name Here Job Title NMLS #REQUIRED office cell direct fax WATERSTONE MORTGAGE CORPORATION 1133 Quail Court Pewaukee, WI WaterstoneMortgage.com Arial bold 14pt Arial regular 10pt ARIAL REGULAR 10pt ALL CAPS Arial regular 10pt SMALL CAPS Arial regular 10pt SMALL CAPS ARIAL REGULAR 8.5PT ALL CAPPS Arial regular 10pt Arial regular 10pt Arial regular 10pt Option 1 Name Here Job Title NMLS #REQUIRED office cell direct fax WaTERSToNE MoRTgagE CoRpoRaTIoN 1133 Quail Court pewaukee, WI WaterstoneMortgage.com Waterstone Mortgage corporation is a Wholly owned subsidiary of Waterstone bank ssb (nasdaq: Wsbf) Option 2 Name Here Job Title NMLS #REQUIRED office cell direct fax WaTERSToNE MoRTgagE CoRpoRaTIoN 1133 Quail Court pewaukee, WI WaterstoneMortgage.com Waterstone Mortgage corporation is a Wholly owned subsidiary of Waterstone bank ssb (nasdaq: Wsbf) Option 3 Name Here Job Title NMLS #REQUIRED WaTERSToNE MoRTgagE CoRpoRaTIoN 1133 Quail Court pewaukee, WI office direct cell fax WaterstoneMortgage.com Option 4 Name Here Job Title NMLS #REQUIRED WaTERSToNE MoRTgagE CoRpoRaTIoN 1133 Quail Court, pewaukee, WI WaterstoneMortgage.com Waterstone Mortgage Corporation Brand Standards 23

25 PHOTOGRAPHY STYLE Photography style Primary photographic style Whenever possible, use images like these shown below, which depict the dream of homeownership. Note the sunny environments and unique perspectives. These lifestyle images portray the joy that our customers experience after achieving their dream with the help of Waterstone Mortgage. Notice how the images are not dominated by ubiquitous, smiling people. Waterstone Mortgage Corporation Brand Standards 24

26 PHOTOGRAPHY STYLE Photography style (continued) Secondary photographic style There may be times when the primary photographic style does not fit a particular application. In that event, utilize this secondary style, which portrays happy homeowners. Take particular note of the bright lighting and the happy, easy-going nature of the models in these photos. Choose images that put the customer in the foreground. These lifestyle images show the joy that our customers experience after achieving their dream with the help of Waterstone Mortgage. Waterstone Mortgage Corporation Brand Standards 25

27 PHOTOGRAPHY STYLE Photography style (continued) Staff portraits These portrait styles demonstrate how we depict our professional yet friendly and approachable Waterstone Mortgage staff. Keep the background clear of clutter. Create distance between the subject and the background so the associate is in focus and the background falls out of focus. Keep poses simple and friendly; notice how each of these models is smiling and relaxed. Waterstone Mortgage Corporation Brand Standards 26

28 PHOTOGRAPHY STYLE Photography style (continued) Team portraits These portrait styles demonstrate how we depict our professional yet friendly and approachable Waterstone Mortgage teams. Keep the background clear of clutter. Create distance between the group and the background so the associates are in focus and the background falls out of focus. Keep poses simple and friendly; notice how each of these models is smiling and relaxed. Team leaders can be placed in the front of the group if preferred. If needed, the photographer can shoot while perched on a ladder to fit the entire group. Waterstone Mortgage Corporation Brand Standards 27

29 BRAND LANGUAGE Brand language It is important to understand Waterstone Mortgage s brand voice. This is a set of verbal descriptors to help you understand the verbiage, tone and personality used in our messaging. Waterstone Mortgage Corporation remains our corporate name. We represent and brand ourselves within the industry as Waterstone Mortgage. Within body copy, always use the full corporate name, Waterstone Mortgage Corporation, in the first reference In subsequent references, use Waterstone Mortgage Employer voice Inspiring NOT sermonizing Appreciative NOT accommodating Forward-thinking NOT trendy Cultivating NOT controlling Empowering NOT enabling Challenging NOT testing Brand voice Simple NOT patronizing Straightforward NOT blunt Reliable NOT promising Advanced NOT trendy Strong NOT posturing Flexible NOT obliging Confident NOT superior Knowledgeable NOT pretentious Preemptive NOT reactive Consultative NOT instructing On-brand characteristics Waterstone Mortgage excels in new home loans and readily competes with national players. We are proud of our record of responsible growth in an otherwise volatile industry. When developing effective messaging for our customers, the following characteristics can be used to describe our company: Responsible prudent about which loans we will approve Safe and stable owned and backed by a publicly traded bank Transparent we provide customers with clear, timely and honest communication throughout the loan process Innovative driven to innovate and meet the needs of today s tech-adoptive consumer, and equally in tune with the traditional borrower Waterstone Mortgage Corporation Brand Standards 28

30 BRAND LANGUAGE Brand language (continued) Lending language Our customers have many lending options, so we need to establish differentiation in our messaging. Headlines and copy should position the subject matter as a consumer benefit in the context of the Waterstone Mortgage brand. Key words to establish that positioning can be found in the mission, values and the Why statement sections of the Waterstone Mortgage Brand Compass. Copy doesn t need to use language directly from these sections, but it should reflect the spirit of the ideas contained therein. Here are some examples: Off-Brand Headline: Stop wasting money on rent and invest in a home today. (Generic message, doesn t differentiate Waterstone Mortgage.) On-Brand Headline: The expertise you need for the best investment you ll ever make. (Speaks to the expertise value, mission and Why statement.) Off-Brand Headline: The right loan for your needs. (Doesn t put Waterstone Mortgage in the equation.) On-Brand Headline: We ll help you find the right loan for your needs. (Speaks to the spirit of the mission and Why statement.) Speaking in generalities in body copy might be necessary at times, and that s okay. But be sure to circle back to the Waterstone Mortgage positioning as a consumer benefit once the point has been established. Here s an example: Off-Brand Copy: Now is a great time to buy, if you re in the right position. But if you re not, it s also a great time to get yourself in the right position. It s a great time to get on the Path2Buy. (Speaks in generalities, doesn t differentiate Waterstone Mortgage.) On-Brand Copy: Now is a great time to buy, if you re in the right position. But if you re not, we'll work together to help you get there with Path2Buy. (Speaks to the spirit of the mission and Why statement.) Waterstone Mortgage Corporation Brand Standards 29

31 BRAND LANGUAGE Brand language (continued) Differentiators Sometimes, our communications must draw a comparison to our competition. It helps to know where we excel. Here are just a few examples: Quick to act while big players move slowly Prefer to educate customers rather than hold back information Communicate regularly rather than make customers wait for status updates Financially sound and secure because we are owned by a bank Employees Waterstone Mortgage chooses its employees based on their ability to embrace our culture and live the brand. The following language describes the type of people who succeed at Waterstone Mortgage. Do the right thing primarily for the customer, in turn for the company Are incredibly responsive, efficient and respectful of the customer s time Create a customer experience of certainty and confidence Adapt well to change Are self disciplined yet team oriented Embrace challenges and enjoy finding solutions Our professionals deliver responsible loan options so they can tell the customer yes, we can and mean it. Waterstone Mortgage Corporation Brand Standards 30

32 About the Marketing Department Our creative team of professionals develops marketing and communication solutions for Waterstone Mortgage through collaboration with branches and corporate staff. This office produces or supervises all production of official Waterstone Mortgage materials. Contact the Marketing Department Waterstone Mortgage Corporation Marketing Department 1133 Quail Court Pewaukee, WI Phone: Fax: Office Hours: Monday Friday, 8 a.m. 4 p.m. CST Waterstone Mortgage Corporation Brand Standards 31