Lauer steven portfolio_fnl - [PDF Document] (2024)

Lauer steven portfolio_fnl - [PDF Document] (1)

Steven M. Lauere-mail: [emailprotected]: 415-926-3074

Lauer steven portfolio_fnl - [PDF Document] (2)

File name: Description:

Component: Company: Client:

Flat: 19.25” x 5.5” Folded: 7.5” x 5.5” Folds: 0 x 2 Bleed: 19.5” x 5.75” Page: 1 of 2

Revision:

9-6-2013 12:53 PM

Server:Volumes:Server:Client_Jobs:Active_Clients:Wells Fargo:EnterpriseMarketing:1932-0813-Double Deposit Offer Test:Comps:1932-0813-Double Deposit Offer-SM-GD-New.indd

Cyan Magenta Yellow Black FOLDPERF

FOLD Wells Fargo Red FPO - Laser

Ink Co

lors

Activ

ity

1932-0813-Double Deposit Offer-SM-GD-New.inddDouble Deposit OfferSelfmailerWFEMDeb Havrevold

4 | | | | | | | | | |localhost

Get $100* Sample, Get $100 when you open a checking package and use your debit card to make 10 purchases or payments within the first 60 days. Hurry, this offer ends November 2, 2013. Bring this voucher to any participating Wells Fargo banking store.

Scan QR code to learn more about this offer or visit wellsfargo.com/GET100

Wells Fargo BankP.O. Box 5104Sioux Falls, SD 57117-5104A120

PRESORTEDFiRST clASS

U.S. POSTAGEPAID

WEllS FARGO

EMDD1013

cODE DATESample A. Sample12345 Any StreetAny city, XY 12345-7890

Get $100*

Special offer, details inside

$100

Find out how you can get $100 for banking with us

Special offer, details inside Done.

T:19.25”

T:5.5”

F:4.25”

F:7.5”

F:7.5”

1-800-454-8722 • UnionPlusMotorClub.com

†Your vehicle must be disabled more than 100 miles from your home address.

All benefits are subject to terms and conditions listed in the membership handbook. Benefits are applicable for automobiles and

light duty trucks only; commercial vehicles are not eligible. All benefits and services are provided by United States Auto Club,

Sign Up Today!

The Union PlusMotor Club ProgramGreat roadside assistance discounted for Union Members!24-hour Roadside Assistance

Get emergency towing, battery boost, flat tire change, lockout service and fuel

delivery – up to $125 per incident anytime you need it.Expert Opinion Access to ASE-certified mechanics for second opinions on vehicle service and repairs.

Emergency “Just-in-Case” Benefits• Up to $1,000 Emergency Travel Expense †

• Up to $75 Emergency Destination Assistance

• Up to $100 Ambulance Service • Up to $5,000 Theft RewardPersonalized Trip Routing

Easy-to-follow maps, helpful phone numbers, driving information, and other useful tips.

Concept 1

L A ND I NGP R O P E R T I E S I N C.

REDWOOD

P R O P E R T I E S I N C.

REDWOODLANDING

RL

R E DWOODL AND INGP R O P E R T I E S I N C

P R O P E R T I E S I N C.

REDWOOD

R E DWOODL AND INGP R O P E R T I E S I N C

L A ND I NGR EDWOOD

P R O P E R T I E S I N C.

LANDING

File name:

Description:

Component:

Company:

Client:

Flat: 3.5” x 9”

Folded: None

Folds: None

Bleed: 3.75” x 9.25”

Page: 1 of 2

Revision:

8-15-2013 6:16 AM

Server:Volumes:Server:Client_Jobs:Active_Clients:UnionPrivilege:1912-0713-UP Real Estate Rewards Insert:Comps:1912-0713_UP Buckslip4.indd

Cyan Magenta

Yellow Black

Ink Co

lors

Activ

ity

1912-0713_UP Buckslip4.indd

NoneInsertUPReiffenstein, Denise

3 | | | | | | | | 1| |Mikes

NEW!

Buying or

Selling a Home?

Union members:

Earn Cash Back on your

Home Sale or Purchase.

Save $100s even $1,000s with

the new Union Plus Real Estate

Rewards Program!

Buy or sell your home through

the program, and you can receive

$50 for every $10,000 in home

value after closing*.

Call 800-284-9756

visit UnionPlus.org/RealEstate

T:3.5”

T:9”

File

name:

Descr

iption:

Compon

ent:

Com

pany:

Client:

Flat

: 14.875” x 8”

Folded:

3.75” x 8”

Fold

s: 0 x 3

Bleed: 15.125” x

8.25”

Pag

e: 1 of

2

Revision:

10-1-2013 3:40 PM

Server:V

olumes:S

erver:Cli

ent_Jobs

:Active_

Clients:

UnionPriv

ilege:1913-0713-UP M

ulti-ben

efit Movin

g Brochure:

Comps:1

913-0713-UP Multi-

benefit

Moving Broch

ure-MG.ind

d

Cyan

Magenta

Yellow

Black

Ink Co

lors

Activit

y

1913-0713-UP Multi-

benefit

Moving Broch

ure-MG.ind

d

Multi-Bene

fit Movin

g Brochure

Roll-Fol

d Brochure

UPLesl

ie William

son

3 | |

| | | | |

| | |Mikes

Back

BRO-MOVER-L0913

Union printed in the U.S.A.

Union

MeMbersespecially for

UnionPlus.org/MovingReal estate & m

oving

benefits & Discounts

Union Privile

ge

1100 First S

treet, N

E, Suite 850

Washington, D

C 20007

UnionPlus.org

Whether you’re moving or b

uying or sellin

g your

home, Union Plus h

as you covered. M

oving and

Real Estate sa

vings are only tw

o of more th

an 40

benefits available to

union members a

nd their

families, i

ncluding:

•Mo

biled

iscounts

throu

ghAT&T

•Sch

olarsh

ipsande

ducation

disco

unts

•TravelandE

ntertainm

entDiscounts

•HealthandFitness

all the

right

Moves

Union Plus benefits f

or real

estate, re

location and m

ore

Why you

should use

these benefits

Union Plus offers u

nion members m

ore than

40 different savings, d

iscounts a

nd assista

nce

progra

ms.Fo

ryou,th

atme

ansgetting

greate

rever

ydayvalueforle

ssmo

ney.T

he

purch

asingpo

werandstrength

of13millio

n

union members e

nables Union Plus

to negotiate th

ese great deals—

just for y

ou.

Moving and home mortg

ages are tw

o areas

where

Union

Plusbenefitsc

anreally

helpyou

save, so be su

re to sa

ve this b

rochure.

Tofindo

utmo

reandtotake

advan

tageo

f

more Union Plus benefits,

visit UnionPlus.o

rg.

Don’tlet

yourUnion

Plusbenefitss

itidle

.

Use them!

Get more from

Union PlUs!

T: 14.875 in

T: 8 in

F: 3.6875 in

F: 3.75 in

F: 3.75 in

F: 3.6875 in

1100 First Street, NESuite 850Washington, DC 20002

IMPORTANTreplacement materials enclosed for:

GEN1-LBL-L1013 Union printed in the U.S.A.

free materials for your union plus brochure display case.

fROM yOu sTRAIghT TO

yOuR MeMbeRs

union name1234 SomEWhErE StrEEtCity, St 12345-1234

See Details Insid

e

UNION PLUS ®

PO BOX 29402

PHOENIX AZ 85038-8996B

USIN

ESS REPLY M

AIL

FIRST-CLASS MAIL PERM

IT NO. 290 RICHMOND, VA

POSTAGE WILL BE PAID BY ADDRESSEE

GET UNION

STRENGTH,

CASH REWARDS,

AND MORE FROM

THIS CREDIT CARD

• Mail th

is reply envelope

• Call 1-800-204-4514

THREE WAYS TO APPLY:

ROUTE TO:

UNION PROCESSING

EARN UNLIMITED

ON EVERY PURCHASECASH

REWARDS

1.5%

Get Our Lowest I

ntro APR on purchases

and balance transfe

rs

Experience 24/7 U.S.-b

ased customer

service by phone

Enhanced Hardship Assistance fo

r

eligible Cardmembers

this reply e

nvelope

MAIL

1-800-204-4514

CALL

OR GO ONLIN

E

EARN UNLIMITED CASH REWARDS

1.5% ca

sh rewards

Earn cash rewards o

n every purchase,

with no lim

it to th

e amount you can earn.

COMPETITIVE RATES

Our L

owest Intro

Rate

Once approved, union members a

nd

union family members g

et a 0% Intro

APR

on purchases and balance tra

nsfers f

or 12

months from account o

pening date.

After th

at, a variable APR on purchases

and balance transfe

rs between 12.9% and

20.9% will apply.

A Balance Transfer F

ee of

3% applies to each tra

nsfer m

ade that p

osts

to your account b

y 6/22/2014.

ANNUAL MEMBER FEE

No Annual Fee

ENHANCED HARDSHIP ASSISTANCE

FOR ELIGIBLE CARDMEMBERS

Job Loss

Grants

Helps eligible Cardmembers w

ho

have recently been laid off.

Strik

e Grants

Provides assis

tance to eligible Cardmembers

who are on strike or e

xperiencing a lockout.

Disa

bility Grants

Helps eligible Cardmembers w

ho have lost

significant in

come from a long-te

rm illn

ess

or disa

bility.

Hospitaliza

tion Grants

Aids eligible Cardmembers w

ith large,

unreimbursed hospital expenses.

After 3

months as a

Cardmember, you may

be eligible for e

nhanced hardship assistance.

All g

rants approved fo

r eligible Cardmembers

are paid as a check—and you never n

eed to

pay them back.

See th

e Benefits Limitatio

ns sectio

n within

this brochure.

3 EASY WAYS TO APPLY

U.S.-BASED CUSTOMER SERVICE

All c

alls answ

ered in the U.S.

We are proud to offe

r 24/7 U.S.-b

ased

customer se

rvice for a

ll Union Plus

Cardmembers by phone.

FRAUD LIABILITY PROTECTION

$0 Fraud Liability

Protection

If your card or a

ccount number is

stolen, you

won’t be lia

ble for fr

audulent transactio

ns.

Go online to find out a

bout our o

ther

credit card optio

n that m

ay meet your n

eeds.

Credit approval re

quired. Term

s and co

nditions a

pply.

Variable ra

tes will v

ary with th

e market b

ased on the Prim

e Rate. The In

troductory APR on credit c

ard purchases and balance tra

nsfers d

oes not a

pply to cash advances.

The Purchase and Balance Transfer A

PRs will b

e based on your creditworth

iness. Please se

e the SUMMARY O

F TERMS within th

is brochure fo

r rate, fe

e, and other c

ost inform

ation.

Family Member C

ardmembers may not b

e eligible for certa

in benefits. See additio

nal inform

ation on Cash Rewards w

ithin th

is brochure.

Competitive ra

tes & U.S.-b

ased 24/7 customer se

rvice are negotiated by Union Privilege, not the sp

ecific card term

s, rates o

r rewards.

All trademarks o

r trade names a

re properties o

f their re

spective owners.

Union Plus credit c

ards are iss

ued by Capital O

ne, N.A. (re

ferred to

as “Capital O

ne,” “we,” “us” or “our” in this brochure).

The informatio

n about th

e costs

and benefits o

f the ca

rd described in th

is applica

tion is

accurat

e as of 5

/28/2013. The informatio

n may

have ch

anged after th

at date

. To find out w

hat may

have ch

anged

call 1-800-395-2120.

© 2013 Capital One. C

apital One is

a federally re

gistered se

rvice mark. A

ll rights r

eserved.

Desig

ned to m

eet the needs o

f hard-working

union members a

nd union family members.

FPO

Union Printed in th

e U.S.A.

APPLY

TODA

Y FOR

THE

UNION

PLUS

CRED

IT CAR

D.

Desig

nedfor

union

memb

ers

anduni

onfam

ilyme

mbers

.

UNION

PLUS

www.U

nionC

ardAp

ply.co

m

Union

Plus M

asterC

ard®

(O)UP

-CTO

-APP-L

0613

VALID DATES

5412

Visit w

ww.Un

ionCa

rdApp

ly.com

Union Plus®

Auto Insurance

• Competitiverates

• Generousdiscounts

• SafeDriversavings

• Personalservice

• Rapidclaimsresponse

• 24-HourRoadsideAssistance

• Upto$250oncompleteddriver

educationcourses

• Acompanyyoucantrust

• 76,000unionmembers

haveswitchedtotheUnionPlusAuto

InsuranceProgram

• Youhavenothingtolosebycalling

foraquote

Formoreinformation,call

1-800-238-8615tollfree

Here’s one more

way it pays to

be a

union member...

Auto Insurance

Savings and service you’ll find nowhere else

Union Privilege

1100 First Street, N

E

Suite 850

Washington, DC 20002

www.UnionPlus.org

SA-21077-113

AINSBRO-L0113

Union Plus® helps working families save

every day with a wide range of benefits and

services:

•College scholarships

•Financial services

•Travel & re

creational d

iscounts

•And more

UnionPlusdiscountsandservicesareoffered

exclusivelytoworkingfamilies.Besureto

visitwww.UnionPlus.orgoften,becausenewprograms

areaddedallthetim

e!

Switch and save as much as

$559* or more a year

with Union Plus

Auto Insurance through

21st Century Insurance

1. CallforaFREEQuote.

2. Signuprightoverth

ephone.

1-800-238-8615

Keycode: 5EN050

Underwritten by: 21st Century Pacific

Insurance Company - AK, IA, ND,

OR, SD; 21st Century Insurance Company - AK, CA; 21st Century North

America Insurance Company - AK, C

T, KY, M

T, WA; 21st C

entury Advantage

Insurance Company - AZ, U

T; 21st C

entury Centennial Insurance Company -

AL, AK, A

R, CO, D

C, DE, F

L, GA, ID

, IL, K

S, LA, M

D, MI, M

N, MO, M

S, NC,

NH, NJ, N

M, OH, R

I, SC, T

N, TX,VA, V

T, WI, W

V, WY; 2

1st Century Premier

Insurance Company - AK, M

E, NE; 21st C

entury Indemnity Insurance Company

- PA; 2

1st Century Assurance Company - I

N, NV, O

K; 21st C

entury National

Insurance Company and 21st Century Security

Insurance Company - NY; 2

1st

Century Casualty Company - CA

F.P.O.

1-800-238-8615

SA-21077-113.indd 1

1/18/13 2:15 PM

Dear Union Leader:

Please restock your 3-pocket Union Plus display case with these updated materials.Union Plus Credit Card. Union-approved for over 25 years, we hope

the recent product innovations have continued to make this card one you’ll be

proud to share with your members. The new Union Plus Rewards Credit Card

offers straightforward, unlimited 1.5% cash back on all purchases plus competitive

rates and assistance grants in case of financial difficulty. If you’ve got any leftover

applications, discard those and replace them with the applications included here.Popular in 2013. For the other two pockets, we would also like to share

with you, materials from some of the more popular Union Plus programs in 2013.

Enclosed are Real Estate and Moving Services brochures and Auto Insurance

brochures. We think your members will like these programs too - after all these

programs are centered around savings for things your members use everyday -

their homes and their automobiles.Finally, there are also some flyers that we encourage you to post on bulletin

boards at work sites, offices, halls, etc.Get the word out. We hope these three programs are as useful for your

members as they are for many other union members. But only you can make

sure your members don’t miss out. Share these materials with your members

and remember to use the order form on the back of this letter to order more free

brochures, coupons and flyers.In solidarity,

Leslie Tolf, President President, Union Privilege®Need to find out what’s new? Visit UnionPlus.org/TriplePlay to learn more

about about the featured benefits and for easy ordering. Use PROMO CODE

C39 and you will be entered to win a prize from Union Plus.GEN1-LTR-DISP-L1013 Union printed in the U.S.A.

refresh yourunion Plus disPlay with savings for members

enClosed:New Display Materials1. Replace existing materials with the ones enclosed.

2. Order other materials using the form on the back of this letter .

3. Find out what’s new at UnionPlus.org/TriplePlay

Psssttt...

A Winning Triple Play

for Your Members!

Visit UnionPlus.org/TriplePlay

for FREE printed materials

to keep members informed.

Help your members take

advantage of Union Plus benefits!

PLEASE POST where members gather

DIRECT MaIl• Inserts • Outgoing envelopes • Letters • Posters • Self mailers • e-mail blasts • Web sites • Inserts • Logos

Lauer steven portfolio_fnl - [PDF Document] (3)

DIRECT REsponsE• email • landing page fundamentals

1AT&T: New and existing customers require a new two-year contract. Cannot be combined with any other

discounts. The 15% Union Plus AT&T wireless discount is not available on the iPad, additional lines for

family plans, unlimited plans and Unity plans. Data services: only the 5GB data plan and the shared

minutes and data for AT&T Mobile share plans are discounted. All other individual plans, data plans on

secondary lines, and text plans are not discounted.

22Auto Insurance: National average of annual savings developed from information provided by new policy-

holders from 1/01/12 - 9/30/12 that shows they saved by switching to Union Plus Auto Insurance through

21st Century Insurance and may not be inclusive of variances in coverages or benefits.

Equal Housing Lender

3Mortgage eligible individuals can receive the Wells Fargo My Mortgage GiftSM promotion after closing on a

new purchase or refinance loans secured by a first mortgage with Wells Fargo Home Mortgage. The

promotion is not available with all mortgage loan products. This promotion is void where prohibited and

subject to change or cancellation with no prior notice. Please see website for more information. Wells Fargo

Home Mortgage is a division of Wells Fargo Bank, N.A. © 2013 Wells Fargo Bank N.A. All rights reserved.

NMLSR ID 399801.

Union Privilege - Provider of Union Plus Benefits

1100 First Street, NE, Suite 850, Washington, DC 20002

1100 First Street, NE, Suite 850, Washington, DC 20002

[emailprotected]

Copyright © 2013 Union Privilege. All rights reserved.

If you no longer wish to receive Union Plus commercial emails or would like to update

your account settings, please use this link or respond to this email with "REMOVE" as

the subject line.

AT&T Wireless Discount

Members get a 15% discount1 on

select wireless plans from the

ONLY national unionized wireless

provider. Plus special rebates from

Union Plus.

21st Century Auto 21st Century Auto

InsuranceMembers who’ve switched have

saved an average of $5652 annually

on car insurance. Plus driver

education grants and more.

Wells Fargo MortgageMortgage protection for members in Mortgage protection for members in

case of financial hardship. Plus a

$500 My Mortgage GiftSM award3

from Wells Fargo after closing.

Learn more

Dear Union Leader,

Did you get the latest Union Plus Leader Mailing

about the Union Plus Triple Play – Mortgage,

Insurance, and AT&T?

Remember to Remember to order materials as needed or request a

brochure display and we will send you quarterly refill

materials to help you provide information to your

members.

Three Ways to Help Members Save

Union Plus offers a Mortgage, an Auto Insurance and

Union Plus offers a Mortgage, an Auto Insurance and

a Wireless Discount Program specifically designed

for union members. These programs help stretch

their hard-earned paychecks and are packed with

extra benefits exclusively for working families.

Don’t Let Your Members Miss Out

Do you have comments about the mailing? Let us

Do you have comments about the mailing? Let us

know how our materials and mailings are helping you

keep your members informed or how we can serve

your needs better.

Sincerely,

Leslie TolfPresident, Union Privilege

Union Plus Triple Play! Order your free materials today.

Order your materials today

Leslie Tolf, Union Plus Benefits <[emailprotected]>

Lastname, First <[emailprotected]>

Monday, October 7, 2013 10:00 AM

Reminder: Three essential benefits for your members

Sender:

Recipient:

Date:

Subject:

Lauer steven portfolio_fnl - [PDF Document] (4)

GaMInG• design • packaging • prototyping

Lauer steven portfolio_fnl - [PDF Document] (5)

JA44/ Berry Bowl

(pk4) 2”H, 5.5”W (10oz) Sugg. Retail $26 each JA36/W Sm. Footed Compote (Ice Cream/Sorbet)

(pk4) 5”H, 5.5”W (10oz) Sugg. Retail $36 each

JA14/W Salt and Pepper Shakers

(pk2 pair) 3.5”H Sugg. Retail $56 each pair JMOD/W Open Condiment Dish

(pk4) 1”H, 2.5”W Sugg. Retail $13 each

JA42/W Votive Pair (pk1 pair) 2.5”H Sugg. Retail $32 each pair

JA53SET/W Heart Canapé Plates Set/4

(pk1 set) 6.5” W Sugg. Retail $89 each set

36

JA51/W Scallop Sauce Boat Stand (w/indent)

(pk1) 7.75”W, 10.5”L Sugg. Retail $30 each

JA29/W Butter Dish & Cover (pk1) 3.5”W, 8”L Sugg. Retail $72 each

W CB IB Y PG

W

W

W

W

W

W

W

Small oval platter not included, see page 38

JA11/W Round Serving Bowl

(pk1) 6”H, 9.5”W (120oz) Sugg. Retail $80 each

W

JA30/W Sauce Boat (pk1) 3”H, 8.5”W (9oz) Sugg. Retail $62 each

W

Small oval platter not included, see page 38

Isabella Tulip see page 8

RETaIl• 92 pg Catalogue

One cannot think well, love well, sleep well,

if one has not dined well.Virginia Woolf

possibly the most beautiful tableware in the world

Lauer steven portfolio_fnl - [PDF Document] (6)

RETaIl phoTo aRT DIRECTIon• On-figure • Off-figure • Group shots • Home furnishings

Lauer steven portfolio_fnl - [PDF Document] (7)

hIGh TECh • Newspaper • Digital board

Lauer steven portfolio_fnl - [PDF Document] (8)

L e t y o u r s k i l l s s h i n e t h r o u g h .

At Bank of Montreal, diversity is reflected in ourbusiness and in our employment practices.Workplace equality is the cornerstone of all ourhuman resources policies. Committed to creatingan inclusive, supportive workplace where everyindividual can stand out and be valued, we benefitfrom diversity in all its forms. Our policy on work-place accommodation provides support for peoplewith disabilities in their day-to-day employmentactivities.

We firmly believe that each employee has uniquestrengths to contribute to the team. So let your talentsshine with an organization that will recognize andreward your unique abilities and help you reach yourfull potential.

For current vacancies, please visit our Web siteat: www.bmo.com/careers/, and forward yourresume, indicating appropriate reference number, to:Workplace Equality, Human Resources, Bank ofMontreal, 55 Bloor Street West, 6th Floor, Toronto,Ontario, M4W 3N5. Fax: (416) 927-5555.E-mail: [emailprotected]

® Registered Trademark of Bank of Montreal

FInanCIal• Postcard • Trade ad • Newspaper

Lauer steven portfolio_fnl - [PDF Document] (9)

REal EsTaTE• Billboard • Floorplans

Lauer steven portfolio_fnl - [PDF Document] (10)

FInanCIal• Booth display • Web design

Welcome to

Lauer steven portfolio_fnl - [PDF Document] (11)

Vous pouvez quand même avoir des rêves de grandeur pour ce qui est de posséder une maison.

Bureau central : 3100 boulevard le Carrefour, Bureau 650, Laval QC H7T 2K7 MC Marque de commerce d’Intelligence Hypothécaire Inc. ® Marque déposée d’Intelligence Hypothécaire Inc. © Intelligence Hypothécaire Inc., 2006. Tous droits réservés.

Vous possédez une petite entreprise.

Vous avez déjà pris d’excellentes décisions quant aux professionnels qui travaillent pour vous. En fait, vous avez choisi quelqu’un qui compte également parmi nos amis et collègues respectés. Vous avez bien fait !

Nous aimerions que vous choisissiez aussi notre équipe Intelligence Hypothécaire. Vous avez peut-être déjà entendu parler de nous ; après tout, nous sommes la plus grande chaîne de consultants en prêts hypothécaires professionnels du Canada. Les gens qui dirigent les bureaux d’Intelligence Hypothécaire que vous voyez dans tant de villes canadiennes sont des gens d’affaires... comme vous.

C’est pourquoi nous comprenons la situation des propriétaires d’entreprise. Lorsque vous téléphonez

au consultant Intelligence Hypothécaire de votre localité, vous obtenez de précieux renseignements sur des centaines de prêts hypothécaires de plus de vingt-cinq prêteurs, y compris les produits novateurs de Financement résidentiel GMAC conçus spécialement pour les propriétaires d’entreprise comme vous.

Vous rêvez d’une nouvelle maison ? Communiquez avec nous. Nous pouvons vous aider à élaborer une solution hypothécaire qui cadre avec la grandeur de vos rêves, et non celle de votre entreprise.

Communiquez avec nous dès maintenant...

SUSAN SMITHConsultant(e) en prêts hypothécaires (555) 555-5555

consultant@intelligencehypothecaire.cawww.intelligencehypothecaire.ca/consultant

B2B• Magazine • Trade ad • Direct mail • Postcard

™ Trademark of Mortgage Intelligence Inc. ® Registered trademark of Mortgage Intelligence Inc. © 2007, Mortgage Intelligence Inc., all rights reserved.

www.mortgageintelligence.ca

In Good CompanyTHE EVOLUTION OF THE ENTREPRENEUR BY MORTGAGE INTELLIGENCE

There’s a reason why more than 1,000 independent consultants and associates across Canada have joined forces withMortgage Intelligence: they maintain the independence they value and gain the support and expertise they need to take theirbusiness to the next level.

Find out how Mortgage Intelligence can help you take your career to the next level.

Call us at 1.877.667.5483 or visit on the web.

These are just a few of the benefits enjoyed by our Mortgage Intelligence network:

• Critical mass with large lendersto maximize volume bonus potential

• Unique mortgage and insurance products

• Expert business planning and consulting support

• Use of marketing materials to support customer relationship management

• Customized incentive programs

• Access to commission and compliance processing

Lauer steven portfolio_fnl - [PDF Document] (12)

R E S M O Rt r u s t

Rate and Finders FeeInsured High Ratio AAA+

Finders Fee

Finders Fee

Insured High Ratio A

Insured 2nd Mortgage*

Insured Low Doc

Insured Low Doc ARM

ResMor 100%

Equity 75

Unconventional C65

Unconventional C75

Conventional AAA+

Conventional A

1 yr5 yr4 yr3 yr2 yr

ARM

P-0.6006.390 6.140 6.140 6.140 5.990

8050 50 75 75 80

P-0.1006.890 6.640 6.640 6.640 6.540

80

80

50 50 100 100 1258.250 8.150 8.050 7.950 7.94075 100 100 100 1006.140 6.140 5.99075 75 80

P-0.600

5.99080

P-0.2507.000 7.150 7.150 7.150 7.190

8050 50 100 100 1108.500 8.650 8.650 8.650 8.69050 50 100 100 1108.000 8.150 8.150 8.150 8.19050 50 100 100 110

P-0.6006.390 6.140 6.140 6.140 5.990

8050 50 75 75 80

P-0.1006.890 6.640 6.640 6.640 6.540

8050 50 75 75 85

* Second mortgages also offer a 6 to 12 months term at the one year rate and finders fee.

Conventional Product Rate Classification CriteriaAAA+Averaged minimum Beacon 640 (immediate family).No major derogatory credit within the last 12 months.Bankruptcy must be discharged minimum 4 years, minimum 12 months A1 re-established credit.This product allows the borrower to have a TDSR up to 50% depending upon the LTV. See below

AAveraged Minimum Beacon600 - 639 (immediate family)No major derogatory credit within the last 12 months.Bankruptcy must be discharged minimum 2 years,minimum 12 months A1 re-established credit.

Rate Hold 160 Days

1 (866) 333.7030

Rate SheetMay 1, 2008

Finders Fee

Finders Fee

Finders Fee

Finders Fee

Finders Fee

Finders Fee

Finders Fee

Finders Fee

Finders Fee

LTV

TDSR

42%

45%

50%

65% - 75%

0% PremiumN/A +

N/A

50% - 65%

0% Premium0.25%

N/A

‹ 50%

0% Premium+ 0.25%

+ 0.50%

Insured Product Rate Classification CriteriaAAA+Averaged minimum Beacon 6.10 (all applications).Minimum 6 months credit reporting (under 12 months add 0.25% to rate).No bankruptcies, judgements last 4 years.

Rate Premium for AAA+Resmor Trust will add 0.25% to theapplicable rate when: - Co-borrower Release clause is requested - Mortgage Balance is under $50,000 or over $600,000 - Proprety is a Mobile Home

AAveraged Minimum Beacon UNDER 6.10 (all applicants)Discharged Bankruptcy and Satisfied Judgements last 4 yearsClients must have 12 months re-established credit after bankruptcy

Broker Discretion PricingA 20 bp reduction in Finders Fee equals a 5 pb reduction in Rate

R E S M O Rt r u s t

2425 Matheson Blvd., 7th FloorMississauga, Ontario L4W 5K4Toll-Free: (866) 444-8615Mobile: (416) 844-2299www.resmor.com

R E S M O Rt r u s t

2425 Matheson Blvd., 7th FloorMississauga, Ontario L4W 5K4Toll-Free: (866) 444-8615Mobile: (416) 844-2299www.resmor.com

R E S M O Rt r u s t

Discover the Resmor AdvantageRercing ex ea facil ilit in vel utpat acc*msan volore del ute dolor se-qui blamcon ullandre tie delendit praesequipit inissim amet augait velisit irit, quat esecte consenim quamconse magna am ing exer secte dionsecte ea conu

Please call

John Smith403-555-555Calgary, ON A5T M9T

Rercing ex ea facil ilit in vel utpat acc*msan volore del ute dolor sequi blamcon ullan-dre tie delendit praesequipit inissim amet augait velisit irit, quat esecte consenim quamconse magna am ing exer secte di-onsecte ea conuDelent wisim iustio er sum eugiatu mmodolore dunt in heniscing ero do conullaorem zzril etumsaRo dolorpe rilisse quamconsed el ulputat ueriliquat volobor percillaor aliquat luptat. Ut augue velendio erat nonsectet aliquis alis adit dolor sum elendrem ver aut ute tinit dunt ipis nit praesequi bla feum irilisit wiscipsusto dolor si bla consecte commy nos nullamcon hent lorper sumsan ea at.

Agnit, consequam venim ea faccum qui bla commolo rercillut lortis do dolutpat. Ut adit nit laore magnissenim do el ulpute enim quate el ut ad molore ming eniam, veliquis nullam dolobor si.Uguero ent adignim inis enim volutat wis-mod moluptat praessit, conse ming eros

R E S M O Rt r u s t

R E S M O R

t r u s t

2425 Matheson Blvd., 7th FloorMississauga, Ontario L4W 5K4Toll-Free: (866) 444-8615Mobile: (416) 844-2299www.resmor.com

R E S M O Rt r u s t

R E S M O Rt r u s t c o m pa n y

Darren E. Thompson, AMPVice President

2425 Matheson Blvd.., 7th FloorMississauga, Ontario L4W 5K4

Toll-Free: (866) 444-8615Mobile: (416) 844-2299

Email: [emailprotected]

PMS 872

PMS Cool Gray 5

PMS 877

PMS 295

REsIDEnTIal FUnDInG• Corporate Identity package

Lauer steven portfolio_fnl - [PDF Document] (13)

phaRMaCEUTICal • Kit Folder • Journal ad • Patient handbook • Dose card

Lauer steven portfolio_fnl - [PDF Document] (14)

Laura McCain Jensen

Founding Chair

Michèle Bosc

Co-chair

Barry Katzman

Co-chair

Sandra Wilkes

Executive Director,

SCGH Foundation

Bluma Appel, OC

Linda Bramble, Ph.D.

Steven Elphick

Douglas Hernder

Douglas Hunter

Sue-Ann Staff

Donna Scott, OC

T: (905) 323-FUND (3863)

F: (905) 684-3226

W: www.scghfoundation.com

E: [emailprotected]

142 Queenston Street,

St. Catharines, Ontario

Canada, L2R 7C6

November 14, 2004NameCompany NameAddress

City

Postal Code

Telephone

FaxReserve

@$225/pp tables @$2225/tableI am unable to attend your event,

please accept my tax receiptable donation of $Payment: ____VISA _____MC ______AMEX ______ cheque (enclosed)

Card #

Expiry

Cardholder nameSignature

Please make cheques payable to

The St. Catharines General Hospital Foundation.

RSVP

Contributing Wineries/Grape Growers

Angels Gate Winery Château des Charmes Colio Estate Wines Creekside Estate Winery Henry of Pelham Family Estate Winery

Inniskillin Wines Jackson-Triggs Niagara Estate Winery

Legend Estates Winery Pillitteri Estates Winery Stoney Ridge Estate WineryThomas & Vaughan Vineland Estate Winery Willow Heights Estate Winery

Forrer Farms George Farms Huebel Grape Estates Hunter Farms Hernder Vineyards Neumann Farms Quarry Vineyards

Great Niagara Barrel Auction Committee

Laura McCain Jensen Founding ChairMichèle Bosc Co-chair

Barry Katzman Co-chair

Sandra Wilkes Executive Director, SCGH FoundationBluma Appel, OC

Linda Bramble, Ph.D. Steven Elphick Douglas Hernder

Douglas HunterSue-Ann Staff

Donna Scott, OC

A Tradition Begins November 14, 2004

non pRoFIT• Logo design • Stationary

Lauer steven portfolio_fnl - [PDF Document] (15)

ManUFaCTURInG• Catalogue • Product chart

Lauer steven portfolio_fnl - [PDF Document] (16)

Quality Control Engineering Manufacturing Engineering Stationary Engineers (Level Two) Information Systems

Please send your resume, indicating position of interest, to:

Toyota Motor Manufacturing Canada Inc.,

Human Resources, 1055 Fountain Street North,

P.O. Box 5002, Cambridge, Ontario N3H 5K2.

Fax: (519) 653-5558. E-mail: [emailprotected]

(quoting position in subject line).

RECRUITMEnT• Newspaper • Trade ad

Lauer steven portfolio_fnl - [PDF Document] (17)

aUxIlIaRy• 130 pg Magazine

Lauer steven portfolio_fnl - [PDF Document] (18)

Steven M. Lauere-mail: [emailprotected]: 415-926-3074

Lauer steven portfolio_fnl - [PDF Document] (2024)
Top Articles
Latest Posts
Article information

Author: Duane Harber

Last Updated:

Views: 6567

Rating: 4 / 5 (71 voted)

Reviews: 94% of readers found this page helpful

Author information

Name: Duane Harber

Birthday: 1999-10-17

Address: Apt. 404 9899 Magnolia Roads, Port Royceville, ID 78186

Phone: +186911129794335

Job: Human Hospitality Planner

Hobby: Listening to music, Orienteering, Knapping, Dance, Mountain biking, Fishing, Pottery

Introduction: My name is Duane Harber, I am a modern, clever, handsome, fair, agreeable, inexpensive, beautiful person who loves writing and wants to share my knowledge and understanding with you.