BankONE-TIME CLOSE CONSTRUCTION LOANA constructionloan designed foryour convenience?Yes. We understand there's a lot to juggle whernbuilding or renovating a home. That's why wemake the financing process easy -every step ofthe wayInterest-only payments during construction and fullyamortizing loan after construction is completed5/1, 7/1, 10/1 and 15/1 ARMs from $250K intothe millionsFinancing new construction, tear down and rebuild orexisting home renovationRate locks up to 360 daysKen KaminsHome Lending Sales ManagerKen Kamins@TIAABank.comKenKamins.comNMLS ID #611751Contact me to learn more818-606-55981. For TIAA Bank Preferredortfolio l0ans on ·Loan min mum o S250 000 for new construction. For renovation loans, loan must have a mi mum of S250,000 in improvements. Contractorand project review and approval required. Our construction loan is only available in certain states. For full details and a list of states where available, please go to TIAABank.com/lendingoonstruction-loan. Other restrictions and limitations may apply. Contact us for more information about this product.2. During the construction Phase, we will disburse the total loan proceeds by making several advances, and you will make monthly payments of interest only on the amount disbursed. During thePermanent Phase, your monthly payment will increase because you must pay back the principal in addition to the interest. Contact us for more details on this product, including the interest onlyfeature.3. Not available on all property types.4. The rate lock progams may not be available for all loan types or for all transactions. The longer the rate lock peñiod, the higher the interest rate. Please contact us for more details regardingterms and conditionsSubject to credit and property approval Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Otherrestrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant's credit history, and other financialcircumstances that may apply.IAA Bank is a division of TIAA FS8.02018,AA, FSB. 18ERM5095.06 TAA, FSB NMLS ID: 399805BUILT TO PERFORMCREATED TO SERVE

Date: August 4, 2018

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Bank ONE-TIME CLOSE CONSTRUCTION LOAN A construction loan designed for your convenience? Yes. We understand there's a lot to juggle whern building or renovating a home. That's why we make the financing process easy -every step of the way Interest-only payments during construction and fully amortizing loan after construction is completed 5/1, 7/1, 10/1 and 15/1 ARMs from $250K into the millions Financing new construction, tear down and rebuild or existing home renovation Rate locks up to 360 days Ken Kamins Home Lending Sales Manager Ken Kamins@TIAABank.com KenKamins.com NMLS ID #611751 Contact me to learn more 818-606-5598 1. For TIAA Bank Preferred ortfolio l0ans on ·Loan min mum o S250 000 for new construction. For renovation loans, loan must have a mi mum of S250,000 in improvements. Contractor and project review and approval required. Our construction loan is only available in certain states. For full details and a list of states where available, please go to TIAABank.com/lending oonstruction-loan. Other restrictions and limitations may apply. Contact us for more information about this product. 2. During the construction Phase, we will disburse the total loan proceeds by making several advances, and you will make monthly payments of interest only on the amount disbursed. During the Permanent Phase, your monthly payment will increase because you must pay back the principal in addition to the interest. Contact us for more details on this product, including the interest only feature. 3. Not available on all property types. 4. The rate lock progams may not be available for all loan types or for all transactions. The longer the rate lock peñiod, the higher the interest rate. Please contact us for more details regarding terms and conditions Subject to credit and property approval Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant's credit history, and other financial circumstances that may apply. IAA Bank is a division of TIAA FS8. 02018,AA, FSB. 18ERM5095.06 TAA, FSB NMLS ID: 399805 BUILT TO PERFORM CREATED TO SERVE

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