+No purchase necessary to enter or win. A purchase will not increase your chances of winning. To enter or win, entrants must be a a legal resident of the US, at least 21 years of age, and complete a registration card and visit at least two of our models during thepromotion. Void where prohibited. Promotion begins/ends at 12:00 pm/2:00 pm ET on 2/21/15. The following prize will be awarded: (4) $50.00 VISA Gift Cards. Do not have to be present to win. For Official Rules, prize descriptions and odds disclosure, visit theTuscany model, 5409 Tuscany Drive,Waxhaw, NC 28173. Prizes are subject to respective terms and conditions. Sponsor: Standard Pacific of the Carolinas, LLC. . Prices, plans, and terms are effective on the date of publication and subject to change without notice.Map is not to scale. Graphic depiction of homes or other features are artist conceptions. Food and beverage are served on a first-come, first-serve basis and while supplies last.

Tour our newly decorated models with breathtaking outdoor living

spaces at our Public Grand Opening. Join us at Tuscany in Waxhaw,

NC, featuring new home designs and a convenient location. Tuscany

offers a variety of amenities.

Contact Leslie Loveless for more details.1-800-787-0414 or lloveless@stanpac.com

Lunch Cateredby 521 BBQ

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Driving Directions from Charlotte: Head south onNC-16 S/Providence Rd. Turn left onto New TownRd. Turn right onto Billy Howey Rd. Turn left ontoTuscany Drive. Model will be on right side.

5409 Tuscany Drive Waxhaw, NC

Wax

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Trail R

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84

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TUSCANY

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FEBRUARY 21stnoon - 2:00pm

CONTACT LAURA OBRYANT ONLINE NEW HOME SPECIALIST 980-253-2792 OR OBRYANT.LAURAS@MATTAMYHOMES.COM

WANT TO MOVE QUICKLY? THEN MOVE QUICKLYQuick Delivery Homes Now Available In Charlottes Most Desirable Addresses

COME VISIT MATTAMY HOMES immediately for your best selection of Single-Family Homes, ranging from thelow $200s-$400s plus. Choose where you want to live and how, in and around Charlotte.

MATTAMY OPENS THE DOOR TO STYLISH LIVING ENTER THE MOST DESIRED LOCATIONS IN & AROUND CHARLOTTE

SALES CENTER HOURS: Monday - Saturday 10am-6pm, Sunday 1pm-6pmMattamy Homes Limited. Builders License # 47524

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SALES CENTER:109 Waterlynn Club DriveMooresville, NC, 28117

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Learn How MovingTo Trilogy CanChange Your Life

Trilogy is a registered trademark of Shea Homes, Inc., an independent member of the Shea family of companies. Shea Homes Trilogy Lake Norman is planned to be an age-restricted community intended for occupancy by at least one person age 55 or over with selectneighborhoods intended for occupancy by people of all ages. This is not an offer of real estate for sale, or a solicitation of an offer to buy. Void where prohibited. Sales By: Shea Communities Marketing Company (#C25840), Construction By: SHALC GC, INC. 75061, Equal HousingOpportunity. Models are not an indication of racial preference. 2015 Shea Homes, Inc. All rights reserved.

WEREBRINGINGRESORTLIVINGTOCHARLOTTE

REQUEST OURE-NEWSLETTER ONLINE

Stay up to date on our GrandOpening plans, special events,exclusive invitations and more!

Introducing Trilogy by Shea

Homes, opening in the Lake

Norman area later this year.

Were excited to bring our resort

lifestyle to Charlotte, with a

community that will oer you

a whole lot more than just an

excellent Shea home.

Trilogy Lake Norman will feature

a community club, beautiful

walking trails, a state-of-the-art

tness center, dining options and

all kinds of fun things to do.

Discover why resort-style living at

Trilogy is the perfect choice for the

next chapter of your life. Welcome

to The Good Life.

+

At NewStyle Communities, webelieve time is the biggest gift wecan give ourselves. Time to spendwith our children and grandchildren.Time to travel.

Come find out about how ouraward-winning, smartly designed new homes infriendly communities minimize maintenance andmaximize first-floor living space. We look forward totaking your call and meeting you soon.

Make Now theTime of Your Life.Minimize maintenance andmaximize first floor living.

Only homes remainingFrom the mid $200sHarrisburg, NC | 704.440.6586

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Blakeney Retreat, in the Center of it All!Directions: I-485, Exit 59, S on Rea Rd, approx 2mi R on Ardrey Kell Rd, next R on Blakeney Heath Rd

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3500 Carmel Road - $450,000Top to bottom, high-end renovation of post-

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6901 Thermal Road - 285,000Fresh, fresh, fresh! Brick ranch w/curb appeal in

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4052 Arborway $960,000Fabulous outdoor living in Foxcroft. Pool,covered deck w/fireplace. Sleek, renovated

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1331 YORKDALE, ROCK HILL, country living on 1.9acres in the woods just 30 min f/Charlotte w/detachedgarage w/unfin bonus and screened porch! $230,000

550SandTrapTheGlynns@CarolinaCrossingSixKingwill build this for you!

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13453WoodyPointRd.Multi-generationalestate, twohomes in one, plus cottage on

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6940MONTGOMERYRDLakeWylie Rivercabin enjoyed for generations, bigwaterw/dock, sunroom, basement. $465,000

LakeWyile 2020 Curry,Mill Creek Falls 4BRw/bonus

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16100 Sunninghill Park, Charlotte.Lovely 3BR/31/2 BA In Ballantyne area closeto I-485, shopping, dining, entertainment.Overlooks charming park. $245,000

4158 H Charlotte Hwy Lake WylieWoods 2BR Condo, beautifully

updated w/communitylake access and pool. $105,000

13424 SAGE THRASHER LOTLAKE WYLIE WATERFRONT 9.54ac THE SANCTUARY. $890,000

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The Glynns at Carolina CrossingLots on pond $39,000 and$34,000, interior lot $31,000

LAKE WYLIE WATERFRONT Only one left!3027 Willow Breeze 1.38 acre waterfront canoelot in small subdivision, Clover Schools! $55,000.

.51 Acre Jim McCarter Rd, Clover $20,000

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LAKE WYLIE Cooks Cove 5975 MorningStar 4.5Acres $65,000

1950 Meadow Rd. York 1 acre ready foryour dream home $25,000

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With 1,500 master-planned acres along Lake Wylie, Palisades makes it naturally easy to enjoy the good life. Enjoy world-

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NEW HOMES FROM THE 250s TO 700s.9 DECORATED MODEL HOMES OPEN FOR VIEWING.

Discover Pal isades, and youl l discover home.

Persons in photos do not reflect racial preference and housing is open to all without regard to race, color, religion, sex, handicap, familial status or national origin. Prices, plans, and terms are effective on the dateof publication and subject to change without notice. Depictions of homes or other features are artist conceptions. Hardscape, landscape, and other items shown may be decorator suggestions that are not includedin the purchase price and availability may vary. No view is promised. V iews may also be altered by subsequent development, construction, and landscaping growth.

PalisadesNC.comLove Where You Live.

+

Legend: The rate and annual percentage rate (APR) are effective as of 2/18/15. 2015 Bankrate, Inc. http://www.interest.com. The APR may increase after consummation and may vary. Payments do not include amounts for taxes and insurance. The fees set forth for each advertisement above may be charged to open the plan (A) MortgageBanker, (B) Mortgage Broker, (C) Bank, (D) S & L, (E) Credit Union, (BA) indicates Licensed Mortgage Banker, NYS Banking Dept., (BR) indicates Registered Mortgage Broker, NYS Banking Dept., (loans arranged through third parties). Call for Rates means actual rates were not available at press time. All rates are quoted on aminimum FICO score of 740. Conventional loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of $435,000. Points quoted include discount and/or origination. Lock Days: 30-60. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specificloan may differ from the sample used. Fees reflect charges relative to the APR. If your down payment is less than 20% of the homes value, you will be subject to private mortgage insurance, or PMI. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. VA Mortgagesinclude funding fees based on a loan amount of $165,000 with 5% down payment. Bankrate, Inc. does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. All rates, fees and other information are subject to change without notice. Bankrate, Inc. does not own any financialinstitutions. Some or all of the companies appearing in this table pay a fee to appear in this table. If you are seeking a mortgage in excess of $417,000, recent legislation may enable lenders in certain locations to provide rates that are different from those shown in the table above. Sample Repayment Terms ex. 360 monthlypayments of $5.29 per $1,000 borrowed ex. 180 monthly payments of $7.56 per $1,000 borrowed. We recommend that you contact your lender directly to determine what rates may be available to you. To appear in this table, call 800-509-4636. To report any inaccuracies, call 888-509-4636. http://charlotte.interest.com

The Charlotte OberserverCheck rates daily at http://charlotte.interest.com

Institution APR Rate / Fees Product Rate Points Fees % Down APR Phone Number / Website NMLS # / License #

15 yr fixed 3.125 1.000 $1000 5% 3.3593/1 ARM 3.000 1.000 $1000 5% 2.9465/1 ARM 3.250 1.000 $1000 5% 3.023

877-865-2298http://www.cmcu.org

Charlotte Metro Federal Credit Union

3.524%Rate: 3.500 15 yr fixed Call for Rates

20 yr fixed 3.375 0.000 $500 20% 3.4095/1 ARM 2.500 0.000 $500 20% 2.800NO CLOSING COST OPTIONS! RATE PROTECTION

877-798-7111NMLS# 789702, 509440

Points: 0.000

Fees: $500

First Landmark Bank 30yr Fixed APR % Down: 20%

3.634%Rate: 3.625 15 yr fixed 2.875 0.000 $175 20% 2.890

7/1 ARM 3.000 0.000 $175 20% 2.9655/1 ARM 2.625 0.000 $175 20% 2.795Free Prequalification Letters and Rate Quotes 7 days a week

877-493-5002Points: 0.000 LIC# 1190352Fees: $175 www.mecklenburgmortgage.com

Mecklenburg Mortgage 30yr Fixed APR % Down: 20%

3.770%Rate: 3.750 20 yr fixed 3.625 0.000 $395 20% 3.652

15 yr fixed 3.000 0.000 $395 20% 3.03410 yr fixed 2.875 0.000 $395 20% 2.925Doing business HIS way for you. Low rates and costs!

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ABBA First Mortgage, Inc. 30yr Fixed APR % Down: 20%

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Best Rate Mortgage 30yr Fixed APR % Down: 5%

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Sothebys International Realty and theSothebys International Realty logo are registered servicemarks usedwith permission.Eachoffice is independently ownedandoperated.EqualHousingOpportunity.Property information herein is derived fromvarious sources thatmay include,but not limited to county records and themultiple listing service and itmay include approximations.All information is deemedaccurate.