April 12, 2010

SmartBank is please to offer special financing terms on the following property located at Cove Springs in Jefferson County:

1. 10% down payment to buyers on the 1st $1,500,000.00 of lots financed with SmartBank
2. Two years interest only or 36 months principal and interest payments based on 25 year amortization
3. 4.99% fixed up to 3 years
4. Origination fee 1⁄2%
5. Minimum credit score of 700 required for primary income provider
6. Verifiable debt-to-income of 40% or less
7. Borrower to pay all closing costs
8. Other requirements that Bank may require

This offer will expire September 30, 2010

Contact Gus Floodquist at 865-868-0679 or email at gfloodquist@smartbank.net.