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for our first option here it is 75 percent loan to value which is the highest loan to value for this product and 740 is the cutoff at which they do start adding loan level price adjustments so this example we have here is for a five hundred thousand dollar purchase price 375 000 loans keep in mind also all of these options the the two to eight unit mixed use as well as a five to eight unit residential that we did yesterday do require a five-year prepayment penalty