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1 More Home for your money!

2 Construction Taking Homebuilding to a Whole New Level You re about to build your dream home, and it s one of the most important decisions you ll ever make. So of course, you want to make the smartest choice. You want a beautiful, comfortable home you ll be proud of, now and for years to come. You also want a well-built home that will give you a lifetime of enjoyment with family and friends. But more importantly, you want a greatlooking home that will always be a great value. See how we do all that and more at This highly-customized Tuscany model 9348 (2,084 square feet with 3 bedrooms and 2 bathrooms) features the ultimate in luxury features from appliances to lighting. Cover: This Bimini model is 3,644 square feet with 3 bedrooms and 3.5 baths, and is available in Florida.

3 Make the Smart Choice with For over 40 years, Palm Harbor Homes has been committed to building strong, energy-efficient, affordable homes for every one of our customers. Our construction is an advanced home building process that makes it possible for us to deliver more home for more satisfied customers. This is how delivers more home for less. This Gotham model 76F8 is 3,116 square feet with 4 bedrooms and 3 bathrooms. Built Better Factory-constructed precision builds stronger homes with craftsmen s quality, less waste and higher efficiency for better value. Our homes are better built than site built. Built for Quicker Move-in Our environmentally-controlled building centers prevent weather-related construction delays. Your site preparation occurs as your home is being built in our building center to allow move-in sooner than site built. This saves you time and money. Built for Value Passing along our savings to you as an efficient national homebuilder with national contracts on name brand components make a well-built, comfortable and durable customized home an affordable reality for you. Built to Own for Less Outstanding energy efficiency saves utility costs year after year, allowing you to own more home, not more energy bills. Our Gold Key Care and five year protection plan programs save you money on repair items after moving and and provide complete peace of mind that you chose the right home. Built to Satisfy You We personalize each home with the details you choose to create the beautiful home you ve been dreaming of, perfect for your lifestyle. We also offer complete customization on many of our homes, so ask your housing consultant for more information. Make the Smart Choice with!

4 An inviting porch is a bonus feature on the Americana model 65A4 with 2,467 square feet, 3 bedrooms and 2 baths as well as a customer s choice of a parent s retreat or a 4th bedroom.

5 When we were first introduced to your homes, one of the best features you mentioned was the quality of the construction and insulation, and I must admit that I was more than a little skeptical. I was fairly sure the homes could not be that good. Happily, as a homeowner, I can tell you that my skepticism was misplaced, and our home is much better than we imagined! Thank you for helping us make this dream a reality! Mike and Saundra Hamett Colorado Homeowners Precision Builds a Better Home With construction, one of the most important advantages over traditional construction is that every Palm Harbor home is built in one of our environmentally protected building centers with premium construction materials. These enclosed building facilities offer a number of unique advantages. They centralize our craftsmen and protect our construction materials from weather damage. They reduce waste and prevent theft. And they eliminate weather-related delays during construction. The most important advantage of our environmentally protected building centers is the precision tolerances they provide during construction. Because our homes are transported and sometimes even lifted into place with cranes, Palm Harbor homes must be built tighter and stronger than site-built homes, typically using 30% more construction materials. The additional reinforcement and more precise tolerances built into every Palm Harbor home mean a stronger, more durable home, with lower utility bills and a higher resale value for you. The only factory built home builder to be the Gold Award Winner of the Prestigious NAHB National Housing Award EPA s ENERGY STAR Homes Program Award Winner in 1997 and 2005 First factory-built home builder named Gold Award Winner of the U.S. Department of Energy s EnergyValue Housing Award for best practices in energy efficient home construction EPA s ENERGY STAR Partner of the Year Award in 2007

6 Precision Builds For Quicker Move-in The Olympia model 9351 is 1,832 square feet of beauty and style with 2 bedrooms, 2 bathrooms and a den. With, approximately 80% of your home is completed in a highly efficient climate controlled building center with no weather delays. This means you can move into your home much sooner than if you build with traditional site construction. Unlike traditional site built homes that must have the site preparation completed prior to beginning the home s construction, with, these two processes can take place simultaneously. While the foundation is being set, the home can be constructed in the building center where it is protected from the elements, saving valuable time and money so you move in sooner.

7 Builds Homes to Live in For Less Gold Key Care Brochure is more than the proprietary process we use to build your home, it s also your protection after the sale. At Palm Harbor, we back your new home with our Gold Key Care program that includes a 5-year protection plan and a 1-year service policy with incomparable coverage after move in. After your new Palm Harbor home is finished to your satisfaction by our company-trained Gold Key Care technicians, an independent third party agency will contact you to verify that you re satisfied with your new Palm Harbor home and your home building experience. Hand-laid ceramic tile on floors, backsplashes and showers with eye-catching inlays create a beautiful bath area that is as easy to maintain as it is durable. We take these extra measures because we want you to be completely confident in the investment you ve made and thoroughly satisfied with your new home. To us, that s just smart business. But for you, it s complete peace of mind.

8 is Custom-Built Comfort Without the Cost When you re building a new home, you want it to reflect your personality and style. That s why we offer countless features and high-quality options that will help you personalize your new home to uniquely fit your tastes and lifestyle. If you require complete customization, talk with your local housing consultant about our special services. Rest assured, our skilled craftsmen will use their experience and training to personalize your home just the way you want it. Because we never forget that it s your new home. We make sure it s the one place you ll always be glad to come home to. Our personalization doesn t begin or end with your home. At Palm Harbor, we ll generate an extremely attractive finance package as well as a comprehensive insurance plan as part of a complete homeownership package to fit your unique needs. From design to completion, roof to foundation, financing to insurance, personalizes your entire home buying process with just one stop.

9 Why It Matters Unparalleled Value As a national homebuilder with large, highly respected suppliers, we buy in enormous quantities so our building costs are lower and we pass those savings on to you. The Personal Touch Our spacious, carefully designed floor plans are enhanced by computer-aided engineering plans and specifications for the most precise construction. Our housing consultants can also work with you to customize the features you want, just the way you want them on many of our models. Quality Craftsmanship Our skilled craftsmen are our own employees never subcontractors. And we thoroughly check and recheck every detail of your home with over 200 quality checks throughout the construction process. The Carthage model 9236 delivers the ultimate in charm and functionality in 1,720 square feet with 2 bedrooms, 2 bathrooms and a generous living area. Strength & Durability Our homes are built using state-of-the-art machinery and technology to provide the precision, beauty and durability our customers want, as well as the value they demand. Energy Efficiency As an ENERGY STAR 2007 Partner of The Year, we offer our homes with special energy-saving features in our Energy Management System. This feature allows energy savings up to 38% over similar homes built to the 1995 Model Energy Code. Full ENERGY STAR construction is also available on many homes.

10 Save Green While You Live Green Go To Brochure Yes! It can actually cost less to own a Palm Harbor home. Our factory-controlled construction delivers a better-built home with more precise tolerances, tighter construction and additional thermal sealing. With fewer gaps to leak energy, Palm Harbor delivers a home that simply costs less to own, all year long. Our exclusive Energy Management System is another unique feature that produces homes so much more efficient than the industry norm that it can save you up to 38% on energy. Palm Harbor also proudly offers homes that qualify for the ENERGY STAR label, the highest efficiency level available from homebuilders. At Palm Harbor we ve focused on building strong, high quality homes for our homeowners for more than 40 years. Our innovative designs and manufacuring techniques have saved our customers money, while conserving resources and protecting the environment. These are just some of the ways supports green living: Energy-Efficient Windows and Heating Systems Sealed Duct Systems Low-Toxin Construction Materials and Finishes Recycled Building Materials Super-Tight Tolerance Home Construction Extensive Recycling Programs for Reduced Building Material Waste Controlled Room Ventilation Ask your housing professional for more information about Palm Harbor green building programs in your area. While all Palm Harbor homes are energy efficient, not all Palm Harbor homes are ENERGY STAR qualified. To secure the coveted ENERGY STAR rating on your Palm Harbor home, talk to your housing professional about availability in your area and installing the correctly-sized heating and cooling elements and the programmable thermostat and requesting an ENERGY STAR inspection.

11 Since 1997 we ve been proud to partner with ENERGY STAR, building homes with superior energy efficiency that will save you money on heating and cooling costs month after month. I get a present every month when I open my electric bill. I am amazed at the utility costs of this home. We have 4 kids and a household of six. Just think of how many clothes we dry in our electric dryer each week. In our previous 1,900 square foot brick home, our electric bills averaged $230/month with annual spikes to over $300 during the hot south Texas summers. So you can imagine the way I feel when I open my electric bill now in our new 2,500 square feet SmartPlus home and the bill is half of what it used to be! I tell you, if I didn t see it every month, I would doubt the difference, but I have the bills to prove it! The Jacksons Texas Homeowners Palm Harbor also proudly supports our many suppliers who provide green construction materials that may provide points for LEEDs certification for your home. We continue to work with our suppliers to promote the use of eco-friendly environmentally healthy, sustainable building materials. Here is a partial list. Moen Bathroom fixtures Broan Ventilation Owens Corning Insulation Shaw Flooring Floor covering National Gypsum Wall board Congoleum Sheet flooring Leggett & Platt Carpet cushioning Alkorcell Cabinet materials ICI Dulux Paints Paint Bluelinx Wood products The Palm Harbor EnerGmiser home has been awarded the coveted energy efficiency award, the ENERGY STAR by the U.S. Environmental Protection Agency (EPA).

12 Our Palm Harbor went through Hurricane Charley with winds of about 160 mph, even better than they said it would. Bob & Carol Clements Florida Homeowners Our home didn t get a scratch from Hurricane Katrina. Our home is just great! Thanks for caring. Cliff Ashbridge Louisiana Homeowner Our Palm Harbor was supposed to withstand 130 mph winds. It withstood far more than that. I just can t say enough good things about our home and how it was built. Tom & Carol Trakas Florida Homeowners JEANINE DENNIS KATRINA RITA WILMA COMPETITOR S HOME Weathering PALM HARBOR S HOME The Storm Mother Nature s destructive fury is never more evident than in the powerful hurricanes that rock the coastal states. With wind gusts of more than 175 miles an hour, the ravages of hurricanes are felt by industrial and commercial buildings, site-built and factory-built homes alike. However, after the storms have cleared, Palm Harbor homeowners have been thrilled to return and find that their homes have proven themselves strong enough to weather the storm time and time again. Here are a few of their stories as they have shared them with us. PALM HARBOR S HOME Watch Video I would not own any other brand home than Palm Harbor. Our neighbors who owned other brands had their homes destroyed by Hurricane Andrew, and they will be switching to Palm Harbors because of the way Palm Harbors held up. Art & Donna Fowler Florida Homeowners COMPETITOR S HOME When we got back we found our home in fine shape. We re living just like we did before we left. Bill & Joan Cox Florida Homeowners Hi. I am a satisfied customer letting you know that not only did our home survive Katrina, it also survived the high winds and rains from Rita. Great Home! Keep up the good work! Pat Kowalewski Louisiana Homeowner I would definitely invest in another Palm Harbor home. Richard & Judy Selle Florida Homeowners ANDREW FLOYD CHARLEY IVAN JEANNE

13 is Built into Our Newest Discovery Discovery Custom Homes, our signature line of modular homes, features construction at its finest. Each Discovery home has been designed for beauty and efficiency, featuring multiple elevation options, floor plan variations and the highest quality amenities. Discovery also offers the Discovery Designer Series made up of modular homes architecturally designed for maximum exterior appeal, comfortable living patterns and affordability. Each home in the Designer Series offers an impressive array of standard features and personalization options. Ask your housing consultant if Discovery Custom or the Designer Series homes are available in your area. This Designer Series Katherine model is 2,320 square feet with 4 bedrooms and 2.5 bathrooms. Discovery modular homes like the Bimini (above, 3,644 square feet with 3 bedrooms and 3.5 baths) and the Buckeye (right, 1,809 square feet with 3 bedrooms and 2 bathrooms) demonstrate the broad variety of appealing elevations available in the versatile, award-winning Discovery Custom line.

14 With construction, we build every Palm Harbor home to meet or exceed federal or local building codes in your area. Whatever your development needs niche infill, single or multifamily residential Palm Harbor has the experience and the ability to build to your specific situation. We work with you to help determine the exact floor plan, amenities and construction method that best meet the needs of your project and zoning regulations. For more information on developing with us, visit Builds a Better Home For Everyone, Anywhere This attractive street of Discovery homes demonstrates the timeless style and design that make these homes particularly well-suited for scattered lot and urban infill projects. Any Customer Any Code Any Lot The Buckeye Cape (below), a Discovery custom modular home, provides 2,073 square feet on the first floor and 1,385 square feet of expandable living space on the second floor. First-time home buyers Families Retirees Local building code Modular building code Factory-built (HUD) building code Commercial building code Scattered sites Community developments Urban infill Coastal Resort 55+ communities

15 Construction See Our Strength Energy Efficiency Full coverage attic insulation up to R-38 High quality wall and floor insulation up to R-22 Low-E vinyl insulated dual pane windows available in most regions Wired for digital programmable thermostat Sealed duct system on all manufactured homes The things you cannot see in your new home are as important as those you can see. Ask about our exclusive Energy Management System to save on your utility costs over the life of your home. We also offer ENERGY STAR construction and other green options available on many of our homes. Kitchen & Bath Features Roof System Floor System Premium name brand faucets Convenient water shutoffs for whole house and fixtures Name brand kitchen appliances Computer-designed and crafted cabinetry Wall System Structural grade sheathing Keyed-alike locks on front and back doors Wall systems are glued and mechanically secured Oriented strand board (OSB) roof sheathing Engineered truss system The strength of our engineered truss system and roofing materials form a protective barrier from natural elements while trapping heated and cooled air inside for higher energy efficiency. Mechanically fastened tongue-and-groove floor decking Hand-laid ceramic tile floors available in most areas Name brand floor coverings Our wall and floor systems are glued and mechanically secured to provide maximum strength and durability for the life of your home. Because Palm Harbor Homes has a continuous product updating and improvement process, specifications are subject to change without notice or obligation. Construction and design specifications, as well as features presented, may not be offered in all series or models. Insulated R-Values vary per geographic location due to thermal zone requirements.

16 CALL TOLL FREE For a model center near you More Home For Your Money! Dallas Parkway Suite 800 Addison, TX Phone: (972) Copyright by Palm Harbor Homes, Inc. All Rights Reserved. Unless otherwise stated, the people depicted in photographs within this brochure are models and are being used for illustrative purposes only.

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