Dear Client:

Congratulations! Based on the information furnished by you, we are pleased to inform

you that you have been pre-approved for a home mortgage loan with the following
parameters:

Account #: 061122017
Loan Amount: $410,000
Salary: $122,700
FICO Score: 620
Term of Loan: 30 years at 6.7% interest.

In order to obtain final approval of the loan, the following conditions will have to be met:

o Blueprint with Contractor Estimates

o Approval from the County in which you are building the home
o Proof of energy efficient materials and appliances used in 45% of the building,
landscaping and fixtures of the home.

Please note that your loan will need to be officially underwritten and given official
approval before funding of the property take place. This is not a commitment o lend and
you are not required to obtain a loan simply because you have received this letter. No
fees were charges in providing this letter.

If you have any questions about your account, or if we can be of further service to you,
please contact us at our customer service email, jmonk-brumfield@wcpss.net, and an
account representative will be happy to assist you. When you email, please have your
account number available so that we can expedite your request.

Thank you for opening an account with Standifer-Monk Realty & Mortgage. We
appreciate your patronage and look forward to serving you.

Sincerely,

Standifer & Monk

COO & CEO