Spears Creek Village

*Advertised monthly payment assumes a sales price of $131,240 and includes principal, interest, taxes, insurance and estimated private mortgage insurance premium only; any other fees such as HOA not included. Scenario assumes borrower qualifies for an FHA 30-year fixed rate mortgage loan of $129,531 with an interest rate of 7% / 7.070% APR. Also assumes buyer pays down payment of 3% of the sales price and pays all applicable closing costs. Scenario assumes the buyer has good credit, sets up a tax & insurance escrow account, and provides full documentation. Rates effective 10/10/2008 and subject to change without notice. This offer subject to underwriting guidelines and is available only for owner-occupied homes; non-owner-occupied homes are subject to additional restrictions and qualifying requirements. This offer is only available through Countrywide KB Home Loans, LLC. However, financing may be obtained through any other lender. Countrywide KB Home Loans, LLC and KB Home are independently responsible for the products and services each company offers. Equal Housing Lender. ©2008 Countrywide KB Home Loans, LLC. Countrywide KB Home Loans, LLC is an operating subsidiary of Bank of America, N.A. Member FDIC. All trademarks are the property of Countrywide KB Home Loans, LLC, Countrywide Bank, FSB, Bank of America, N.A., or their respective affiliates and/or subsidiaries. Countrywide and the associated house logo are registered trademarks. Some products may not be available in all states where Countrywide KB Home Loans, LLC operates. Credit and collateral are subject to approval. Terms and conditions apply. Monthly payments, prices, terms, interest rates, APR, taxes, insurance, specifications, calculations and all assumptions are only estimates which are subject to change without notice and are not guaranteed. Monthly payments will differ depending upon many factors, including, without limitation, differing prices, down payment amounts, increases in tax rates, private mortgage insurance costs (if required by lender), and insurance rates, as well as insurance deductibles, home replacement values and other insurance terms for flood, property hazard and other insurance. Additional restrictions, terms, conditions and limitations apply.

Prices and terms are subject to change, prior sale, selected lot premiums and/or predetermined options. Prices shown refer to the base house and do not include any optional features. Photos and/or drawings of homes show upgraded landscaping and may not represent the lowest-priced homes in the community. KB HOME reserves the right to make changes to its home designs and to build more or fewer homes than currently planned. All renderings and floor plans in these materials are an artists' conceptual drawings and will vary from the actual plans and homes as built. Square footage numbers are approximate and may vary depending on the standard measurement used.

Virtual Tours and photos show model homes displaying options/upgrades and upgraded landscaping which may be available at predetermined stages of construction for additional charges. If construction cut-off deadlines have passed, certain options/upgrades may no longer be available. Models also display many decorator items and furniture which are not available for purchase even upon additional payment. Visit the community for detailed lists of options/upgrades and decorator items and for additional important disclosures. Colors and images may vary from models. All renderings and floor plans in these materials are an artists' conceptual drawings and will vary from the actual plans and homes as built. KB HOME reserves the right to make changes to its home designs at any time without notice.