YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

HERE ARE THE DETAILS: †You raise a first mortgage for 85% of the price from your bank or building society. We lend you the remaining 15%, which is secured upon your home, for up to 10 years through MiWAY at 0% interest for 5 years, 3% per annum interest for the remaining term, 5.4% APR typical. Interest will be payable in one lump sum along with your repayment of 15% of the value of your home when you sell or transfer it or after 10 years. You must repay your first mortgage before you repay your MiWAY loan. If the value of your home falls there may not be enough sales proceeds to repay both loans. The MiWAY scheme is plot specific and subject to status. The MiWAY loan cannot be used in conjunction with any other offer. Miller Homes reserves the right to withdraw the MiWAY scheme at any time. *Subject to qualification. **A 5% minimum deposit may be required by lender. More may be required dependent on circumstances and your lender’s lending criteria. Credit provided by Miller Homes Limited of Miller House, 2 Lochside View, Edinburgh EH12 9DH. Subject to Miller Homes’ standard terms and conditions. See our website for full details.

††To claim your reward a Recommend a Friend voucher must be completed in full, signed by all parties and given to the Sales Adviser. £1000 will be paid to the named referrer only upon legal completion of the homebuyer’s purchase. In the event of the completion not taking place due to either party pulling out for any reason the £1000 payment will not be honoured. Please allow four weeks after the completion date for receipt of the monies. Only one Recommend a Friend voucher can be used per home purchase. Subject to Miller Homes’ standard terms and conditions. This scheme is only available to UK residents over the age of 18. This scheme is not available to employees of Miller Homes, any person connected or related to such an employee, Miller Homes’ agents or any person either connected professionally with this scheme or offer or acting in a business capacity. The £1000 payment is not exempt from income tax or capital gains tax. The recipient of the £1000 is responsible for declaring and paying any tax that may be due on this payment. This scheme will run from 1st January 2010 to 31st December 2010 inclusive. The Recommend a Friend scheme cannot be used in conjunction with any other offer. Miller Homes reserves the right to withdraw the Recommend a Friend scheme at any time. Promoter: Miller Homes Limited of Miller House, 2 Lochside View, Edinburgh Park, Edinburgh, EH12 9DH. Prices and availability correct at time of going to print. Photography represents a typical Miller Homes’ exterior and interior.

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