When purchasing a home that has been built with the cooperation of the National City

Community Development Corporation, it makes senses to consider our N.C.A.M.P. Loan.

It provides low interest mortgage lending to purchasers of single family, owner occupied

homes. The N.C.A.M.P. is an affordable mortgage program offered exclusively through

National City.

N.C.A.M.P. Product Description:

Eligible Property:                        LELAND LOFTS

Loan Purpose:                            PURCHASE OWNER OCCUPIED ONLY

Term:                                       15 or 30 years

Maximum Loan to Value:             95% for loans up to $322700

                                                (Jumbo loan terms

                                                For loans above this amount)

Pricing:                                     Fixed rate is lower than conventional financing

                                                (Currently 1 1/2 % below market rate)*

Down Payment:                         You can own a home with just 5% down payment

                                                Standard Fees incl. Appraisal, credit, processing,

                                                Closing, doc prep, title insurance, flood cert, tax

                                                Service, recording. Can be paid with a gift from a

                                                Relative.

Prepayment Penalties:                      None

Private Mortgage Insurance:            Required on loans in excessive of 80% LTV.**

                                                (**Piggybank home equity loans are available

                                                For up to 15% additional funds for down payment

                                                To Qualified buyers based upon credit and Debt ratio only.)

Lock Policy:                               Interest Rate will be locked 60 days prior to

                                                Completion of construction.

NOTE: SPECIAL TAX ABATEMENTS MAY BE AVAILABLE TO OWNER OCCUPANT

BORROWERS AND SHOULD BE CONFIRMED WITH THE DEVELOPER AND/OR REALTOR.

For further information on the N.C.H.A.M.P. loan contract Roz Gietzen, Asst.

Vice President, Detroit Sales Manager, National City Mortgage Services at

313-596-8015.

*Rates used are for sample purpose only and are subject to change on a daily basis.