The word "Difference?" appears on-screen against a white background. A dot rolls off the question mark and transforms into a circle that rolls up an animated hill against a blue background.

>>What's the difference between pre-approval and pre-qualification?

The word "High level" now appears on an animated sky with the circle on top of the letter 'i' where it then jumps off.

>>Pre-qualification involves a high-level overview of your finances.

The circle now drops down and bounces between graphic icons representing finances. Then it falls down the screen, splashing into water where it becomes the letter 'o' in the word "Self Reported."

>>Because this information is self-reported, lenders can't commit to giving you a mortgage.

The period moves across the screen and forms a question mark with the word "ESTIMATE" written on it.

>>All they can offer is an estimated loan amount you're likely to qualify for.

Five graphic icons enter the screen representing a house, a piggybank, bank card, dollar sign and a banking form. These circle icons flip over to reveal approval checkmarks.

>>SureStart<sup>®</sup> Pre-approvals involve an underwriter's review of your application and documents you provide to verify that information.

The circles roll into a single circle and off-screen transitioning to the words "The big difference." The circle bounces off the letter 'i' and onto a scene of an animated house and tree. The circle now becomes the sun above the house.

>>The big difference is that you get a firm written commitment and will receive final approval to close after you find an acceptable property, so long as your financial situation hasn't changed.

The circle rolls off-screen onto the next where there is another lighter blue circle. They combine and transform into a heart.

>>This is why real estate agents and sellers love SureStart<sup>®</sup> Pre-approval: because it says you're serious about buying and offers proof that you can right now.

The screen expands to reveal that the circle is now the tire on a moving truck.

>>There's also no charge for a SureStart<sup>®</sup> Pre-approval, but standard fees may apply once a property is chosen. It's our way of helping you get into your new home.

The screen transitions to the word "Citi" with the words "Welcome what's next" below.