Effective December 2011 (replaces all previous programs)

PROGRAM NO. 1

To provide short term financing for a Buyer paying in US dollars who want to pay off the remaining balance quickly. This program requires:

• Not less than a 50% down payment.
• 60 month loan amortization at 7.0% interest.
• Principal and interest, paid monthly.

PROGRAM NO.2

To provide long term financing for a Buyer paying in US dollars. This program requires:

• not less than a 30% down payment.
• 240 month loan amortization at 8.5% interest with no penalty for prepayment.
• principal and interest, paid monthly.

PROGRAM NO.3 (For Mexican Nationals only)

To provide long term financing to Mexican Nationals paying in pesos. An exchange rate will be determined at the signing of the Contract. At the end of the first year of the financing period, and each subsequent year, the average exchange rate for that year as posted in the Mexican Government Official Diary will be compared to the prior year's rate of pesos to the dollar and 50 % of the difference (plus or minus) will be used to adjust the rate of exchange for the coming year.

This program requires:

• Not less than a 30% down payment
• 240 month loan amortization at 9.5% interest with no penalty for prepayment.
• Principal and interest, paid monthly. Adjusted each annual period.