Northern California Disclaimers

NORCAL – ARBOR RESIDENCES – 1.99% (5.134% APR)

Assumes a $952,420 purchase price, $761,936 loan amount on a 30-year fixed Conventional loan with 20% downpayment at 4.99% interest (5.134% Annual Percentage Rate). .875% in discount points with a 740 minimum FICO Score. Temporary Buydown – Year 1 payment of Principal, Interest, Taxes & Insurance (PITI) at $4463.32 at a 1.99% interest rate. Year 2 payment of PITI at $4859.11 at a 2.99% interest rate. Year 3 payment of PITI at $5284.07 at a 3.99% interest rate. Years 4-30 payment of PITI at $5736.44 at a 4.99% interest rate. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – ARBOR COTTAGES – 1.99% (5.141% APR)

Assumes a $754,220 purchase price, $603,376 loan amount on a 30-year fixed Conventional loan with 20% downpayment at 4.99% interest (5.141% Annual Percentage Rate). .875% in discount points with a 740 minimum FICO Score. Temporary Buydown – Year 1 payment of Principal, Interest, Taxes & Insurance (PITI) at $3534.49 at a 1.99% interest rate. Year 2 payment of PITI at $3847.91 at a 2.99% interest rate. Year 3 payment of PITI at $4184.44 at a 3.99% interest rate. Years 4-30 payment of PITI at $4542.68 at a 4.99% interest rate. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL -ARBOR VILLAS – 1.99% (5.146% APR)

Assumes a $699,190 purchase price, $530,156 loan amount on a 30-year fixed Conventional loan with 20% downpayment at 4.99% interest (5.146% Annual Percentage Rate). .875% in discount points with a 740 minimum FICO Score. Temporary Buydown – Year 1 payment of Principal, Interest, Taxes & Insurance (PITI) at $3105.58 at a 1.99% interest rate. Year 2 payment of PITI at $3380.97 at a 2.99% interest rate. Year 3 payment of PITI at $3676.66 at a 3.99% interest rate. Years 4-30 payment of PITI at $3991.42 at a 4.99% interest rate. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – LONG MEADOW – 1.99% (5.139% APR)

Assumes a $776,265 purchase price, $621,012 loan amount on a 30-year fixed Conventional loan with 20% downpayment at 4.99% interest (5.139% Annual Percentage Rate). .875% in discount points with a 740 minimum FICO Score. Temporary Buydown – Year 1 payment of Principal, Interest, Taxes & Insurance (PITI) at $3154.52 at a 1.99% interest rate. Year 2 payment of PITI at $3477.10 at a 2.99% interest rate. Year 3 payment of PITI at $3823.47 at a 3.99% interest rate. Years 4-30 payment of PITI at $4192.17 at a 4.99% interest rate. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – LONG MEADOW – 1.99% (5.143% APR)

Assumes a $715,230 purchase price, $572,184 loan amount on a 30-year fixed Conventional loan with 20% downpayment at 4.99% interest (5.143% Annual Percentage Rate). .875% in discount points with a 740 minimum FICO Score. Temporary Buydown – Year 1 payment of Principal, Interest, Taxes & Insurance (PITI) at $2906.48 at a 1.99% interest rate. Year 2 payment of PITI at $3203.71 at a 2.99% interest rate. Year 3 payment of PITI at $3522.84 at a 3.99% interest rate. Years 4-30 payment of PITI at $3862.55 at a 4.99% interest rate. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – LONG MEADOW – 1.99% (5.144% APR)

Assumes a $699,190 purchase price, $559,352 loan amount on a 30-year fixed Conventional loan with 20% downpayment at 4.99% interest (5.144% Annual Percentage Rate). .875% in discount points with a 740 minimum FICO Score. Temporary Buydown – Year 1 payment of Principal, Interest, Taxes & Insurance (PITI) at $2841.30 at a 1.99% interest rate. Year 2 payment of PITI at $3131.85 at a 2.99% interest rate. Year 3 payment of PITI at $3443.83 at a 3.99% interest rate. Years 4-30 payment of PITI at $3775.92 at a 4.99% interest rate. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – BUNGALOWS – 1.99% (5.145% APR)

Assumes a $789,395 purchase price, $631,516 loan amount on a 30-year fixed Conventional loan with 20% downpayment at 4.99% interest (5.145% Annual Percentage Rate). .875% in discount points with a 740 minimum FICO Score. Temporary Buydown – Year 1 payment of Principal, Interest, Taxes & Insurance at $3699.33 at a 1.99% interest rate. Year 2 payment of Principal, Interest, Taxes & Insurance at $4027.37 at a 2.99% interest rate. Year 3 payment of Principal, Interest, Taxes & Insurance at $4379.59 at a 3.99% interest rate. Years 4-30 payment of Principal, Interest, Taxes & Insurance at $4754.54 at a 4.99% interest rate. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – PARKS LOT 48 – 1.99% (5.140% APR)

Assumes a $909,405 purchase price, $727,524 loan amount on a 30-year fixed Conventional loan with 20% downpayment at 4.99% interest (5.140% Annual Percentage Rate). .875% in discount points with a 740 minimum FICO Score. Temporary Buydown – Year 1 payment of Principal, Interest, Taxes & Insurance at $3700.93 at a 1.99% interest rate. Year 2 payment of Principal, Interest, Taxes & Insurance at $4078.85 at a 2.99% interest rate. Year 3 payment of Principal, Interest, Taxes & Insurance at $4484.62 at a 3.99% interest rate. Years 4-30 payment of Principal, Interest, Taxes & Insurance at $4916.56 at a 4.99% interest rate. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – LONG MEADOW LOT 87 – 1.99% (5.146% APR)

Assumes a $776,265 purchase price, $621,012 loan amount on a 30-year fixed Conventional loan with 20% downpayment at 4.99% interest (5.146% Annual Percentage Rate). .875% in discount points with a 740 minimum FICO Score. Temporary Buydown – Year 1 payment of Principal, Interest, Taxes & Insurance at $3154.52 at a 1.99% interest rate. Year 2 payment of Principal, Interest, Taxes & Insurance at $3477.10 at a 2.99% interest rate. Year 3 payment of Principal, Interest, Taxes & Insurance at $3823.47 at a 3.99% interest rate. Years 4-30 payment of Principal, Interest, Taxes & Insurance at $4192.17 at a 4.99% interest rate. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – COTTAGES LOT 105 – 1.99% (5.148% APR)

Assumes a $735,170 purchase price, $588,136 loan amount on a 30-year fixed Conventional loan with 20% downpayment at 4.99% interest (5.148% Annual Percentage Rate). .875% in discount points with a 740 minimum FICO Score. Temporary Buydown – Year 1 payment of Principal, Interest, Taxes & Insurance at $3445.23 at a 1.99% interest rate. Year 2 payment of Principal, Interest, Taxes & Insurance at $3750.73 at a 2.99% interest rate. Year 3 payment of Principal, Interest, Taxes & Insurance at $4078.76 at a 3.99% interest rate. Years 4-30 payment of Principal, Interest, Taxes & Insurance at $4427.95 at a 4.99% interest rate. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotio776n, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – BUNGALOWS LOT 27 – 1.99% (5.156% APR)

Assumes a $771,590 purchase price, $617,272 loan amount on a 30-year fixed Conventional loan with 20% downpayment at 4.99% interest (5.156% Annual Percentage Rate). .875% in discount points with a 740 minimum FICO Score. Temporary Buydown – Year 1 payment of Principal, Interest, Taxes & Insurance at $3615.89 at a 1.99% interest rate. Year 2 payment of Principal, Interest, Taxes & Insurance at $3986.54 at a 2.99% interest rate. Year 3 payment of Principal, Interest, Taxes & Insurance at $4280.81 at a 3.99% interest rate. Years 4-30 payment of Principal, Interest, Taxes & Insurance at $4647.30 at a 4.99% interest rate. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – RESIDENCES LOT 256 – 1.99% (5.139% APR)

Assumes a $936,265 purchase price, $749,012 loan amount on a 30-year fixed Conventional loan with 20% downpayment at 4.99% interest (5.139% Annual Percentage Rate). .875% in discount points with a 740 minimum FICO Score. Temporary Buydown – Year 1 payment of Principal, Interest, Taxes & Insurance at $4387.61 at a 1.99% interest rate. Year 2 payment of Principal, Interest, Taxes & Insurance at $4776.69 at a 2.99% interest rate. Year 3 payment of Principal, Interest, Taxes & Insurance at $5194.44 at a 3.99% interest rate. Years 4-30 payment of Principal, Interest, Taxes & Insurance at $5639.14 at a 4.99% interest rate. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – VILLAS LOT 34 – 1.99% (5.154% APR)

Assumes a $645,205 purchase price, $516,164 loan amount on a 30-year fixed Conventional loan with 20% downpayment at 4.99% interest (5.154% Annual Percentage Rate). .875% in discount points with a 740 minimum FICO Score. Temporary Buydown – Year 1 payment of Principal, Interest, Taxes & Insurance at $3023.62 at a 1.99% interest rate. Year 2 payment of Principal, Interest, Taxes & Insurance at $3291.75 at a 2.99% interest rate. Year 3 payment of Principal, Interest, Taxes & Insurance at $3579.63 at a 3.99% interest rate. Years 4-30 payment of Principal, Interest, Taxes & Insurance at $3886.09 at a 4.99% interest rate. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL- RIDGEVIEW LOT 474 – 4.99% (5.049% APR) – CONVENTIONAL:

Assumes a $1,399,885 purchase price, $1,119,908 loan amount on a 30-year fixed rate Conventional loan at 4.99% interest rate (5.049% Annual Percentage Rate) with 20% downpayment, monthly $7,556.61 Principal, Interest, Taxes and Insurance (PITI) payment. 680 minimum FICO Score. Other limitations and restrictions apply. Limited time only until funds run out and not available on all properties. Not all borrowers will qualify. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL- VALLEY OAK LOT 34 – 4.99% (5.062% APR) – CONVENTIONAL:

Assumes a $895,830 purchase price, $716,664 loan amount on a 30-year fixed rate Conventional loan at 4.99% interest rate (5.062% Annual Percentage Rate) with 20% downpayment, monthly $4,843.18 Principal, Interest, Taxes and Insurance (PITI) payment. 680 minimum FICO Score. Other limitations and restrictions apply. Limited time only until funds run out and not available on all properties. Not all borrowers will qualify. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL- LONG MEADOW LOT 87 – 4.99% (5.067% APR) – CONVENTIONAL:

Assumes a $776,265 purchase price, $621,012 loan amount on a 30-year fixed rate Conventional loan at 4.99% interest rate (5.067% Annual Percentage Rate) with 20% downpayment, monthly $4,192.17 Principal, Interest, Taxes and Insurance (PITI) payment. 680 minimum FICO Score. Other limitations and restrictions apply. Limited time only until funds run out and not available on all properties. Not all borrowers will qualify. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL- ARBOR LOT 34 – 4.99% (5.075% APR) – CONVENTIONAL:

Assumes a $645,205 purchase price, $516,164 loan amount on a 30-year fixed rate Conventional loan at 4.99% interest rate (5.075% Annual Percentage Rate) with 20% downpayment, monthly $3,487.24 Principal, Interest, Taxes and Insurance (PITI) and payment of 0.875% in discount points. 740 minimum FICO Score. Other limitations and restrictions apply. Limited time only until funds run out and not available on all properties. Not all borrowers will qualify. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL-LONG MEADOW 4.99% (5.070% APR) – CONVENTIONAL:

Assumes a $726,905 purchase price, $581,524 loan amount with a 4.99% interest rate (5.070% Annual Percentage Rate) on a 30-year fixed rate Conventional loan with 20% downpayment. $3,925.60 Principal, Interest, Taxes and Insurance (PITI) and payment of .875% in discount points. Minimum 740 FICO to qualify. Select properties only. Limited time offer until funds run out. Not all applicants will qualify. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL-LONG MEADOW 4.99% (5.071% APR) – CONVENTIONAL:

Assumes a $715,230 purchase price, $572,184 loan amount with a 4.99% interest rate (5.071% Annual Percentage Rate) on a 30-year fixed rate Conventional loan with 20% downpayment. $3,862.55 Principal, Interest, Taxes and Insurance (PITI) and payment of .875% in discount points. Minimum 740 FICO to qualify. Select properties only. Limited time offer until funds run out. Not all applicants will qualify. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – ARBOR RANCH – 4.99% (5.061% APR)

Assumes a $931,265 purchase price, $745,012 loan amount on a 30-year fixed rate Conventional loan at 4.99% interest rate (5.061% Annual Percentage Rate) with 20% downpayment, monthly $5,609.03 Principal, Interest, Taxes and Insurance (PITI) and payment of 0.875% in discount points. 740 minimum FICO Score. Other limitations and restrictions apply. Limited time only and not available on all properties. Max loan amount of $806,500.  For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – 4.99 (5.069% APR)

Assumes a $737,170 purchase price, $589,736 loan amount with a 4.99% interest rate (5.069% Annual Percentage Rate) on a 30-year fixed rate Conventional loan with 20% downpayment. Monthly $3,981.05 Principal, Interest, Taxes and Insurance (PITI) payment. Minimum 740 FICO to qualify. Select properties only. Not all applicants will qualify. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – 4.99 (5.065% APR)

Assumes a $1,044,460 purchase price, $835,568 loan amount with a 4.99% interest rate (5.065% Annual Percentage Rate) on a 30-year fixed rate Conventional loan with 20% downpayment. $5,646.72 monthly Principal, Interest, Taxes and Insurance (PITI) payment. Minimum 740 FICO to qualify. Select properties only. Not all applicants will qualify. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – 4.99 (5.121% APR)

Assumes a $428,990 purchase price, $343,192 loan amount with a 4.99% interest rate (5.121% Annual Percentage Rate) on a 30-year fixed rate Conventional loan with 20% downpayment. $2,319.27 monthly Principal, Interest, Taxes and Insurance (PITI) payment. Minimum 740 FICO to qualify. Select properties only.  Not all applicants will qualify. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – 4.99 (5.055% APR)

Assumes a $1,454,885 purchase price, $1,163,908 loan amount with a 4.99% interest rate (5.055% Annual Percentage Rate) on a 30-year fixed rate Conventional loan with 20% downpayment. $7,853.49 monthly Principal, Interest, Taxes and Insurance (PITI) payment. Minimum 740 FICO to qualify. Select properties only. Not all applicants will qualify. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – 4.99 (5.067% APR)

Assumes a $783,395 purchase price, $626,716 loan amount with a 4.99% interest rate (5.067% Annual Percentage Rate) on a 30-year fixed rate Conventional loan with 20% downpayment. $4,234.13 monthly Principal, Interest, Taxes and Insurance (PITI) payment. Minimum 740 FICO to qualify. Select properties only. Not all applicants will qualify. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – 4.99 (5.070% APR)

Assumes a $735,170 purchase price, $588,136 loan amount with a 4.99% interest rate (5.070% Annual Percentage Rate) on a 30-year fixed rate Conventional loan with 20% downpayment. $4,427.95 monthly Principal, Interest, Taxes and Insurance (PITI) payment. Minimum 740 FICO to qualify. Select properties only. Not all applicants will qualify. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – 4.99 (5.101% APR)

Assumes a $427,990 purchase price, $342,392 loan amount with a 4.99% interest rate (5.101% Annual Percentage Rate) on a 30-year fixed rate Conventional loan with 20% downpayment. $2,577.78 monthly Principal, Interest, Taxes and Insurance (PITI) payment. Minimum 740 FICO to qualify. Select properties only.  Not all applicants will qualify. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – ARBOR RANCH – HOMESITE 23 – 4.99 (5.962%) APR

Assumes a $789,395 purchase price, $775,096 loan amount on a 30-year fixed rate FHA loan with 3.5% down payment at 4.99% interest rate (5.962% Annual Percentage Rate). Monthly payment of $6,039.22 Principal, Interest, Taxes and Insurance (PITI) at 4.99% interest rate. 780 Minimum FICO score. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – LONG MEADOW 4.99% (5.967% APR):

Assumes a $695,000 purchase price, $682,411 loan amount on a 30-year fixed rate FHA loan with 3.5% down payment at 4.99% interest rate (5.967% Annual Percentage Rate). Monthly payment of $4,884.36 Principal, Interest, Taxes and Insurance (PITI) at 4.99% interest rate. 780 Minimum FICO score. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – LONG MEADOW 4.99% (5.765% APR):

Assumes a $715,230 purchase price, $702,274 loan amount on a 30-year fixed rate FHA loan with 3.5% down payment at 4.99% interest rate (5.765% Annual Percentage Rate). Monthly payment of $4,912.27 Principal, Interest, Taxes and Insurance (PITI) at 4.99% interest rate. 780 Minimum FICO score. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – LONG MEADOW 4.99% (5.764% APR):

Assumes a $737,170 purchase price, $723,817 loan amount on a 30-year fixed rate FHA loan with 3.5% down payment at 4.99% interest rate (5.764% Annual Percentage Rate). Monthly payment of $5,062.96 Principal, Interest, Taxes and Insurance (PITI) at 4.99% interest rate. 780 Minimum FICO score. Limited time offer until funds run out. Not all borrowers or properties will qualify. Subject to other terms and restrictions. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.

NORCAL – ARBOR 4.99% (5.046% APR):

Assumes a $881,415 purchase price, $850,565 loan amount on a 30-year fixed rate FHA loan with 3.5% down payment at 4.99% interest rate (5.046% Annual Percentage Rate). Monthly payment of $4,560.82 Principal, Interest, Taxes and Insurance (PITI) at 4.99% interest rate. 780 Minimum FICO score. Limited time offer until funds run out and only certain properties will qualify. For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.ulc.com prior to submitting offer to qualify for the Promotion; (2) and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria (each, an “Eligible Home”). Seller reserves the right to modify the Promotion’s terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must finance through Affiliated Lender to receive the above finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines.