INDY Year End Savings Event | 5/1 - 3.99% FHA ARM | 7/6 - 4.75% Conventional ARM

Choice of Mortgage Providers and Optional Mortgage Rate Buydown or Seller Paid Closing Costs Incentive. Offers for defined interest rates are available on select ready to move in homes when a noncontingent-on-sale purchase agreement is signed between 10.22.26 and 11.30.26 and closed within 60 days of the stated contract date. Offer is subject to certain terms, conditions, and restrictions, including interested party contribution limits. Interest rate buydown incentive and seller plus lender paid closing costs offer is available through specific Olthof Homes lender partner(s) only. See sales professional for details. Purchaser may choose from one of the following promotional limited offer options:

SPECIAL LIMITED TIME INCENTIVE: In the event the purchaser has selected a certain home in the Central Indiana area designated by Seller as eligible for this special offer, Olthof Homes will make this limited promotion available. A Conventional 4.75% (5.444% APR) 7/6 SOFR ARM Buydown that will adjust on the following schedule: Years 1 through 7 – 4.75% rate, Years 8 through 30 – variable based on current market rate, adjusting every 6 months. Program based on a home price of $300,000 with 5% downpayment and a minimum 780 credit score, owner occupied. Actual rate will vary based on credit score, loan program, down payment percentage, occupancy type, home type and purchase price. Purchaser is subject to qualifications for specific loan terms, occupancy, down payment, credit and underwriting requirements, and /or investor program guidelines. Not an offer to enter into an interest rate or discount point agreement and any such agreement may only be made in writing signed by both the borrower and the lender. Purchaser is free to use any lender he/she prefers; however, the promotional rate is only available with a mortgage loan obtained through the designated Olthof Homes lender partner (Mark Kuchik - CrossCountry Mortgage (mark.kuchik@ccm.com / 317-819-3910)) for this offer. Purchaser is not required to use the designated lender partner for a final mortgage loan commitment. Purchaser is free to compare and determine that he/she is receiving the best services and best rate for those services. Olthof Homes does not have an ownership interest in or an affiliation with the designated lender partner and is not receiving any consideration from the lender partner in connection with this program. Olthof Homes reserves the right to change or withdraw any offer at any time.

SPECIAL LIMITED TIME INCENTIVE: In the event the purchaser has selected a certain home in the Central Indiana area designated by Seller as eligible for this special offer, Olthof Homes will make this limited promotion available. An FHA 3.99% 5(5.671% APR) 5/1 CMT ARM Buydown that will adjust on the following schedule: Years 1 through 5 – 3.99% rate, Years 6 through 30 – variable based on current market rate, adjusting annually.  Program based on a home price of $400,000 with 5% downpayment and a minimum 680 credit score, owner occupied. Actual rate will vary based on credit score, loan program, down payment percentage, occupancy type, home type and purchase price. Purchaser is subject to qualifications for specific loan terms, occupancy, down payment, credit and underwriting requirements, and /or investor program guidelines. Not an offer to enter into an interest rate or discount point agreement and any such agreement may only be made in writing signed by both the borrower and the lender. Purchaser is free to use any lender he/she prefers; however, the promotional rate is only available with a mortgage loan obtained through the designated Olthof Homes lender partner (Mark Kuchik - CrossCountry Mortgage (mark.kuchik@ccm.com / 317-819-3910)) for this offer. Purchaser is not required to use the designated lender partner for a final mortgage loan commitment. Purchaser is free to compare and determine that he/she is receiving the best services and best rate for those services. Olthof Homes does not have an ownership interest in or an affiliation with the designated lender partner and is not receiving any consideration from the lender partner in connection with this program. Olthof Homes reserves the right to change or withdraw any offer at any time.