Call me for the Best Jumbo Rates around!

Payment and APR based on current index and the following prepaid items: $225 Origination fee, $325 Appraisal fee,

$75 Tax Service fee, $10 Flood Cert. fee, $300 Settlement fee, $50 Courier fee & 29 days of interest.

Program Rate Points APR $100,000 Payment

30 Year Fixed Up to $417,000 6.375% 0 6.507% P&I: $623.87

6.125% 1 6.352% P&I: $607.62

Interest First (120/240) 6.625% 0 6.747% Int. Only: $552.09

1^st Time Home Buyer 6.125% 0 6.255% P&I: $607.62

Investment Property 6.875% 0 7.011% P&I: $656.93

JUMBO $417,001 to $1,000,000 6.500% 0 6.633% P&I: $632.07

JUMBO $1,000,001to $1,250,000 6.625% 0 6.759% P&I: $640.32

15 Year Fixed 5.875% 0 6.169% P&I: $841.88

5.500% 1 5.943% P&I: $821.47

5/1 ARM 5.875% 0 6.003% P&I: $591.54

(Caps:2/5 Margin:3.00%) 5.625% 1 5.845% P&I: $575.66

Interest First (60/300) 6.125% 0 6.235% Int. Only: $558.96

JUMBO $417,001 to $1,000,000 6.000% 0 6.129% P&I: $599.56

7/1 ARM 6.000% 0 6.129% P&I: $599.56

(Caps:5/2/5 Margin:3.00%) 5.875% 1 6.098% P&I: $591.54

Interest First (84/276) 6.250% 0 6.361% Int. Only: $567.74

JUMBO $417,001 to $1,000,000 6.125% 0 6.255% P&I: $607.62

3 Year ARM 5.750% 0 6.065% P&I: $583.58

(Caps:2/6 Margin:3.00%) 5.500% 1 6.094% P&I: $567.79

Rates apply for PRIMARY, SECONDARY & DUPLEX add .50% for INVESTMENT.

Pre-Approved Condotels: Prim/Sec add .25% for Invest add .50% to Invest rate.

Minimum Down Payment: Primary 5%; Secondary Homes 10%; Investment: 20%

ABOVE RATES ARE AVAILABLE FOR BORROWERS W IT H EXCELLENT CRED IT HISTORY.

ACTUAL INTEREST RATE AND FEES WILL BE BASED ON CRED IT HISTORY.

Josie Henry

Mortgage Account Executive

(Formerly Underwriter/AVP of Mortgage Lending)

Always FREE Pre-qualification

1-800-771-7990 Ext. 1124

FAX: 609-398-6670 (24hrs.7days a week)

EMAIL: jhenry@ochome.com

ANYTIME CELL: 609-226-1040

I’ll be there for you!

OCHB Fees Only $735.00

$100.00 Application Fee

$325.00 Appraisal Fee

$225 Flat Orig. Fee

$75.00 Tax Service Fee

10.00 Flood Cert. Fee

$735.00 Total

Did You Know?......................................................Ocean City Home Bank Offers:

Construction to Permanent Financing with 1X closing. Lock-in NOW for end loan rate.

Same low rates for residential units in commercial mixed use complex.

6 month or 12 month lock-in on NEW Construction.

40 Year Mortgages.

Special Program for Low to Moderate Income homebuyers!

1031 Tax Deferred exchange on 2^nd home or Reverse 1031 exchange OK!

Construction Only & Land Only Financing OK!

Second Home Duplex-Rental Income OK! – No Heat OK!

Bi-Weekly available! Same Rate and NO Fees!

Duplex, Triplex or Quad as Second Home OK!

LLC, Trust or Partnership ownership OK!

Interest Only Bridge Loans available!

COMMERCIAL LOANS including mortgage terms up to 25 years; Installment loans;

Line of Credit; Construction loans and Equipment Leasing all available!

IN HOUSE UNDERWRITING FOR QUICK APPROVAL!

We also service all of our loans!

Visit the On-Line Mortgage Center and Apply at www.ochome.com

(Just remember to click on Josie Henry as referral and I’ll be sure to quickly get back to you.)

If you wish to STOP receiving this rate sheet, please call, fax or e-mail me anytime!

The Info. provided in this circular is for the dissemination to & the use of real estate business entities only & is not an advertisement for the extension of credit to consumers.

RE = Residential

LD = Land

CI = Commercial

MF = Multi-Family

CN = Condominium

DOM = Days on Market

Market Statistics All MLS

Statistics for: Class=RE,LD,CI,MF,CN,RN AND Date Range=07/01/2007-07/31/2008 AND Area=Margate NJ AND Board=-1; As Of: 8/26/2008

Class Bedrooms Current Active Avg List Price Avg DOM All All 385 $862,526 153 RE All 177 $1,192,105 152 RE 1 bedroom 1 $299,900 231 RE 2 bedroom 10 $712,580 95 RE 3 bedroom 63 $733,192 157 RE 4 bedroom 58 $1,117,593 143 RE 5 bedroom 45 $2,057,008 168 LD All 18 $1,005,050 225 CI All 12 $960,566 208 MF All 22 $687,563 179 CN All 156 $489,269 139 CN 1 bedroom 46 $245,230 137 CN 2 bedroom 58 $406,087 162 CN 3 bedroom 36 $801,185 126 CN 4 bedroom 16 $790,606 94 CN 5 bedroom 0 $0 0 RN All 0 $0 0 RN 1 bedroom 0 $0 0 RN 2 bedroom 0 $0 0 RN 3 bedroom 0 $0 0 RN 4 bedroom 0 $0 0 RN 5 bedroom 0 $0 0

Class Bedrooms Total Listed Num Sold Pct Sold Avg List Price Sold Avg Sale Price Sold Sale Price/List Price Ratio Avg DOM Sold Avg List Price Unsold Pct Expired All All 738 258 34.96% $705,682 $638,931 90.54% 132 $864,075 27.37% RE All 404 165 40.84% $853,082 $771,015 90.38% 118 $1,178,314 22.52% RE 1 bedroom 1 0 0.00% $0 $0 0.00% 0 $484,000 0 RE 2 bedroom 18 5 27.78% $392,380 $356,600 90.88% 85 $429,928 22.22% RE 3 bedroom 131 54 41.22% $572,064 $528,120 92.32% 108 $755,766 18.32% RE 4 bedroom 151 69 45.70% $824,934 $751,479 91.10% 112 $957,613 22.52% RE 5 bedroom 103 37 35.92% $1,377,964 $1,217,945 88.39% 148 $2,150,820 28.16% LD All 26 4 15.38% $611,750 $525,000 85.82% 115 $807,105 19.23% CI All 16 1 6.25% $575,000 $550,000 95.65% 189 $1,037,527 31.25% MF All 33 4 12.12% $712,225 $603,250 84.70% 170 $675,467 39.39% CN All 259 84 32.43% $421,864 $387,664 91.89% 158 $464,654 33.98% CN 1 bedroom 89 35 39.33% $271,391 $247,602 91.23% 151 $247,868 38.20% CN 2 bedroom 98 33 33.67% $442,558 $409,765 92.59% 153 $415,644 31.63% CN 3 bedroom 64 14 21.88% $681,392 $633,785 93.01% 162 $729,095 26.56% CN 4 bedroom 8 2 25.00% $897,000 $751,250 83.75% 319 $849,740 75.00%

Market Statistics All MLS

Statistics for: Class=RE,LD,CI,MF,CN,RN AND Date Range=07/01/2006-07/31/2007 AND Area=Margate NJ AND Board=-1; As Of: 8/26/2008

Class Bedrooms Current Active Avg List Price Avg DOM All All 385 $862,526 153 RE All 177 $1,192,105 152 RE 1 bedroom 1 $299,900 231 RE 2 bedroom 10 $712,580 95 RE 3 bedroom 63 $733,192 157 RE 4 bedroom 58 $1,117,593 143 RE 5 bedroom 45 $2,057,008 168 LD All 18 $1,005,050 225 CI All 12 $960,566 208 MF All 22 $687,563 179 CN All 156 $489,269 139 CN 1 bedroom 46 $245,230 137 CN 2 bedroom 58 $406,087 162 CN 3 bedroom 36 $801,185 126 CN 4 bedroom 16 $790,606 94 CN 5 bedroom 0 $0 0 RN All 0 $0 0 RN 1 bedroom 0 $0 0 RN 2 bedroom 0 $0 0 RN 3 bedroom 0 $0 0 RN 4 bedroom 0 $0 0 RN 5 bedroom 0 $0 0

Class Bedrooms Total Listed Num Sold Pct Sold Avg List Price Sold Avg Sale Price Sold Sale Price/List Price Ratio Avg DOM Sold Avg List Price Unsold Pct Expired All All 871 256 29.39% $722,233 $657,853 91.09% 132 $770,360 32.03% RE All 441 147 33.33% $891,675 $807,742 90.59% 121 $987,813 32.43% RE 1 bedroom 1 0 0.00% $0 $0 0.00% 0 $0 0.00% RE 2 bedroom 28 12 42.86% $400,708 $375,666 93.75% 119 $473,585 53.57% RE 3 bedroom 158 58 36.71% $666,184 $607,708 91.22% 89 $670,479 31.65% RE 4 bedroom 171 55 32.16% $956,060 $865,181 90.49% 143 $996,466 30.99% RE 5 bedroom 83 22 26.51% $1,592,990 $1,427,181 89.59% 150 $1,684,608 30.12% LD All 22 4 18.18% $361,750 $302,500 83.62% 175 $933,493 27.27% CI All 14 1 7.14% $1,995,000 $1,665,000 83.46% 60 $535,075 57.14% MF All 37 5 13.51% $623,580 $563,900 90.43% 110 $845,675 24.32% CN All 357 99 27.73% $477,328 $444,221 93.06% 149 $506,231 31.65% CN 1 bedroom 111 24 21.62% $272,180 $248,312 91.23% 168 $270,072 35.14% CN 2 bedroom 136 51 37.50% $442,113 $406,529 91.95% 136 $485,884 29.41% CN 3 bedroom 83 21 25.30% $745,552 $710,401 95.29% 162 $765,899 37.35% CN 4 bedroom 27 3 11.11% $839,600 $789,000 93.97% 118 $795,321 11.11% CN 5 bedroom 0 0 0.00% $0 $0 0.00% 0 $0 0.00%

RE = Residential

LD = Land

CI = Commercial

MF = Multi-Family

CN = Condominium

DOM = Days on Market