IMPORTANT LEGAL NOTICES / PRIVACY POLICY

Centex Corporation and its subsidiaries and affiliates invite viewers to browse this Web site and the linked pages for their individual entertainment and to obtain information about the products and services of the subsidiaries and affiliates of Centex Corporation. The contents, including images and text, within http://www.centex.com/ and its related pages are copyrighted, and Centex Corporation and its subsidiaries and affiliates grant a limited license to viewers to download or print pages from the Web site for their individual use only, and not for any commercial purposes. Use of this Web site by viewers is predicated upon their agreement to abide by these terms and the other terms included under "Intellectual Property" below.

•  Equal Housing Opportunity 
•  Privacy Policy 
•  Intellectual Property 
•  Linked Sites Statement 
•  Liability Disclaimer
•  Centex Corporation

•  Centex Homes and Other Home Building Subsidiaries of Centex Corporation 
    - Centex Homes and Resolution of Differences
    - State Licensing Information of the Home Building Subsidiaries of Centex Corporation

•  CTX Mortgage 
   - CTX Mortgage Security Statement and Company Privacy
   - CTX Mortgage Customer Privacy Disclosure
   - CTX Mortgage Linked Sites Statement
   - CTX Mortgage Liability Disclaimer
   - CTX Mortgage State Licensing Information 

EQUAL HOUSING OPPORTUNITY

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.

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PRIVACY POLICY


Privacy Policy - Effective Date of August 10, 2007

Thank you for visiting a Web site owned or controlled by Centex Corporation and/or its subsidiaries and affiliates (collectively, "we," "us" or "our"). Your privacy is important to us. To better protect your privacy, we provide this notice explaining our online information practices and the choices you can make about the collection and use of the personal information you submit on the Web sites on which this Privacy Policy is posted.

The Information We Collect.  At our Web sites, you can, among other things, view our products, request information, including information about any of our specific homebuilding developments, subdivisions or other construction projects (“Projects”), and gather information about home financing, home insurance, and title and escrow services. The types of personally identifiable information that may be collected at these Web sites include: name, address, e-mail address, telephone number, fax number, household income and information about your interest in home ownership.

At our Web sites, you can also submit information about other people. For example, you might submit a person's name and e-mail address to send information about the products and services of Centex Corporation and/or its subsidiaries and affiliates. The types of personally identifiable information that may be collected about other people at these pages include: recipient's name, address, e-mail address, and telephone number.

At certain sections of our Web sites, only persons who provide us with the requested personally identifiable information will be able to obtain pricing information or otherwise participate in our Web sites’ activities and offerings. We may also collect certain non-personally identifiable information when you visit many of our Web sites, such as the type of browser you are using (e.g., Netscape, Internet Explorer), the type of operating system you are using (e.g., Windows 2000 or Mac OS), and the domain name of your Internet service provider (e.g., America Online, Earthlink).

How We Use the Information.  We may use the information you provide about yourself to fulfill your requests for our products and services, to respond to your inquiries about our offerings including information about specific Projects that you indicated an interest in, and to offer you other products, programs or services that we believe may be of interest to you.

We may use this information to communicate with you, such as to notify you when new products or services are offered or to fulfill a request by you for information.

We will also use information that you provide for market research purposes, development of prospect lists and project planning. Information on viewers gathered from inquiries at our Web sites may be used for purposes of offering you property in a Centex Homes community or other offerings of Centex Corporation or its subsidiaries and affiliates. The use of our Web sites constitutes your permission for such uses.

Except as provided in this Privacy Policy, Centex Corporation and its subsidiaries and affiliates will not knowingly share information provided by you with anyone other than its subsidiaries and affiliates unless otherwise disclosed to you by an individual subsidiary or affiliate or except as required or permitted by applicable law. We do not sell our names or lists unless otherwise disclosed to you by an individual subsidiary or affiliate. However, no data transmission over the Internet can be guaranteed to be one hundred percent secure. Accordingly, viewers should note that while it is our intent to hold private the information you transmit via our Web sites or by way of an Internet electronic mail system or service, Centex Corporation and its subsidiaries and affiliates cannot promise or ensure that such information will remain confidential or secure.

We may disclose personally identifiable information in response to legal process, for example, in response to a court order or a subpoena. We also may disclose such information in response to a law enforcement agency's request or where we believe it is necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our terms of use, or as otherwise required by law. In addition, we may transfer information about you if we are acquired by or merged with another company.

In the event of a sale of a Centex Corporation business unit, including a specific Project, company or affiliate, your personally identifiable information held by us may be made available to the buyer or prospective buyers in order for them to evaluate any such purchase or to operate any parts of the acquired business.  Accordingly, we reserve the right to include your personally identifiable information among the assets transferred to a buyer that acquires a Centex Corporation business unit, such as the specific Project which you indicated interest in.  If we sell or assign all or part of our business, including a specific Project that you indicated an interest in, the purchaser will be able to use and disclose your personally identifiable information to the same extent and under the same conditions and purposes as Centex Corporation, as described herein.  We will require any such buyer or assignee to treat your personally identifiable information in accordance with this Privacy Policy and to use and disclose it only for the purposes for which it was collected and as otherwise permitted herein.

Agents, employees and contractors of Centex Corporation and its subsidiaries and affiliates who have access to personally identifiable information are required to protect this information in a manner that is consistent with this Privacy Policy by, for example, not using the information for any purpose other than to carry out the services they are performing for Centex Corporation and/or its subsidiaries and affiliates.

Collection of Information by Third Party Sites and Sponsors.  Our Web sites may contain links to other Internet sites, which are provided solely as a convenience to viewers and not as an endorsement of the contents of such sites. In addition, other Internet sites may link to our Web sites without our knowledge or permission. Because Centex Corporation and its subsidiaries and affiliates have no control over such linked sites, we assume no obligation to review, and are not responsible for the availability or content of, any off-site pages or any other sites linked to our Web sites. Your linking to off-site pages or other sites is at your own risk.

We sometimes may offer content (e.g., promotions, access to information concerning home financing, insurance and title) that is sponsored by or co-branded with identified third parties. By virtue of these relationships, third parties may obtain personally identifiable information that visitors voluntarily submit to participate in the site activity. We have no control over such third parties' use of this information.

Cookies and Other Technical Information.  We may send "cookies" to your computer primarily to enhance your online experience. "Cookies" are files that can identify you as a unique customer and store your personal preferences as well as technical information (including click through and click stream data). Cookies can either be permanent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser). We may also use tracking systems such as "Web beacons," which monitor your use of our Web sites. Tracking systems (Web beacons or Web bugs) are small strings of code that provide a method for delivering a graphic image on a Web page for the purpose of transferring data, such as the IP (Internet Protocol) address of the computer that downloaded the page on which the Web beacon appears, the URL (Uniform Resource Locator) of the page on which the Web beacon appears, the time the page containing the Web beacon was viewed, the types of browser that fetched the Web beacon and the identification number of any cookie on the computer previously placed by that server. When corresponding with you via HTML capable e-mail, Web beacons let us know whether you received and opened our e-mail.

On their own, cookies or Web beacons do not contain or reveal any personally identifiable information. However, if you choose to furnish one of our Web sites with personally identifiable information, this information can be linked to the data stored in the cookies/Web beacons.

Your ongoing use of our Web sites constitutes your acceptance of this Privacy Policy, and you specifically agree to our described use of cookies and Web beacons. You may adjust your browser to reject cookies from us or from any other site. Additionally, by setting your Web browser to display HTML e-mails as text only, you may be able to prevent the use of some Web beacons. Please consult the "Help" section of your browser for more information. However, certain areas of our Web sites can only be accessed in conjunction with cookies or similar devices and you should be aware that disabling cookies or similar devices might prevent you from accessing some of our content.

Notification of Changes to Privacy Policy.  This Privacy Policy is effective as of the expressed "Effective Date" written above and may be updated and modified from time to time by us in our sole discretion. By updating this Privacy Policy, Centex Corporation and its subsidiaries and affiliates will be notifying you of any material changes, updates or modifications to this Privacy Policy. Accordingly, we strongly encourage you to periodically review this Privacy Policy and our Web sites in order to keep apprised of our current privacy practices. If you do not agree to any provision of this Privacy Policy, or any update or modification thereto, please do not use our Web sites.

Children's Policy.  Our Web sites are not intended for use by children.  We do not knowingly market to or solicit data from children.

How to Contact Us.  If you have any questions or concerns about this Privacy Policy or its implementation you may email us at privacy@centex.com or, write to us at:

Centex Corporation
Attention: Loree Conrad
2728 North Harwood
Dallas, Texas, 75201

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INTELLECTUAL PROPERTY

Centex Corporation maintains this Web site as a service to Internet users, and its use is a privilege to the viewer. All information is provided without warranty of any kind, either express or implied or for non-infringement. Access and use of the Web site and all company links are subject to the terms and conditions set forth herein and to all applicable laws regulating the use of the Internet and those relating to the use of information. The use of this Web site is also subject to all applicable laws involving copyrighted materials and intellectual property. Centex Corporation reserves the right to revise the terms and conditions for access to its Web site from time to time in its sole discretion. 

The trademarks and service marks of Centex Corporation and/or its subsidiaries and affiliates are sorted alphabetically. Please click on a letter below to view a listing of trademarks used by Centex Corporation and/or its subsidiaries and affiliates as of August 29, 2006:

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Many of these trademarks and service marks are registered, or have registration applications pending, with the United States Patent and Trademark Office and/or with other countries or jurisdictions. Centex Corporation also claims trademark and service mark rights to other marks that may not be explicitly listed.

THESE MARKS ARE NOT TO BE USED WITHOUT THE EXPRESS WRITTEN PERMISSION OF CENTEX CORPORATION.

Requests for permission should be directed to the attention of Loree Conrad in the Centex Corporation Law Department, PO Box 199000, Dallas, Texas 75219-9000, or by e-mail to ip@centex.com. For all other inquiries, click on "Contact Us" and select the appropriate Centex entity.

The materials on this Web site, including without limitation, all text, graphics, charts, pictures, photographs, images, line art, icons, renditions and floor plans, are original copyrighted materials owned by Centex Corporation or its subsidiaries and/or affiliates. These materials are protected by federal law against unauthorized copying and reproduction. Use beyond the limited license granted to viewers will be prosecuted and Centex Corporation shall seek recovery of actual or statutory damages (up to $100,000 per work infringed), recovery of attorneys' fees and other remedies if Centex Corporation or one of its subsidiaries or affiliates takes action against any infringing party. The layout and presentation of this Web site are also protectable trade dress under applicable federal law. Copying of Centex Corporation's trade dress is strictly prohibited.

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LINKED SITES STATEMENT

This Web site may contain links to other Internet Web sites, which are provided solely as a convenience to viewers and not intended as an endorsement of the contents of such sites. Additionally, other Web sites may link to this Web site without our knowledge or permission. Because Centex Corporation and its subsidiaries and affiliates have no control over other linked sites, we assume no obligation to review, and are not responsible for the availability or content of any off-site pages or any other sites linked to this site. Your linking to off-site pages or other Internet Web sites is at your own risk.

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LIABILITY DISCLAIMER

The information, software, products, and services published on this Web site may include inaccuracies or typographical errors. From time to time, and regrettably so, we will make an error in the description of a floor plan, elevation, price or other important piece of information. Also, we regularly make changes and additions to the information herein. Centex Corporation and its subsidiaries and affiliates may make improvements or changes in this Web site at any time. In no event shall Centex Corporation and its subsidiaries and affiliates be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with the use of this Web site, whether based on contract, tort, strict liability or otherwise, even if Centex Corporation and its subsidiaries and affiliates have been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

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CENTEX CORPORATION

Centex Corporation is a holding company that does business only through its subsidiaries. Each reference to Centex Corporation in this notice includes, where applicable, each of its subsidiaries.

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CENTEX HOMES AND THE OTHER HOME BUILDING SUBSIDIARIES OF CENTEX CORPORATION

Centex Corporation and its home building subsidiaries, including, without limitation, Centex Homes, Centex Destination Properties, CityHomes, Fox & Jacobs Homes®, The Jones Company Homes, Lexington Homes, Marquis Homes by Centex, Real Homes, The Selective Group, Wayne Homes and Wayne Homes by Centex, invite viewers to browse this Web site and the linked pages for their individual entertainment and to obtain information about the many wonderful Centex Homes communities. The contents, including images and text, within centex.com's related pages are copyrighted, and Centex grants a limited license to viewers to download or print pages from the Web site for individual use only, and not for any commercial purposes. Use of this Web site by viewers is predicated upon their agreement to abide by these terms and the other terms included below and in the Intellectual Property statement.

Void Where Prohibited by Law.  This Web site and the related links do not constitute an offer to sell real property. Offers to sell property may only be made and accepted at the sales center for the individual Centex Homes communities. The materials provided at this site are strictly for information purposes as a service to Internet users and shall not be construed as an offer in any jurisdictions where prior registration or other advance qualification of real property is required. Inquire of the specific community to see if the property is qualified for sale in your jurisdiction. Responses will be limited if prior registration is required.

Prices, plans, dimensions, specifications, material and availability are subject to change without notice. Illustrations are artists’ depictions only and may differ from completed improvements. Depicted room sizes are approximate. Any facilities labeled "proposed" or "future development" are in formative stages and there is no guarantee that they will be completed or developed in accordance with any plans or specifications, if at all. Certain neighborhood or project amenities may not be complete and completion is neither warranted nor guaranteed. In addition, an illustration shown on this Web site may depict just one of the various models of homes offered by home building subsidiaries of Centex Corporation, but that model is not necessarily available on any particular site in any particular community. You should therefore consult a sales consultant and review the plans and specifications available at the sales center for the individual community to satisfy yourself on details such as elevations, lot size, positions, etc., on any particular lot.

Despite the efforts of Centex and its home building subsidiaries to provide accurate information, it is not possible to completely ensure that the ever-changing information affecting its properties is up-to-date. The information contained on this Web site could also contain inadvertent errors or oversights. As such, neither Centex Homes nor any party involved in the creation, production or delivery of the information contained in this Web site can accept any responsibility or liability for any actions taken as a result of the use of this Web site. All information should be verified at the particular community from which information is desired. Use of the information made available is the user's own risk and Centex Homes shall not be liable for any direct, incidental, consequential, indirect or punitive damages arising from any access, use or inability to access or use the contents of this Web site or for any errors or omissions contained herein or therein.

Centex Homes and Resolution of Differences

At Centex, we are resolved to solve any misunderstandings or disagreements that detract from the enjoyment of your new home. For more information see our “Resolved to Solve” page at http://www.centex.com/resolve.asp

State Licensing Information of the Home Building Subsidiaries of Centex Corporation

State contractor’s licensing information, where applicable, for the various home building subsidiaries of Centex Corporation (including those operating under assumed names and/or trade names) are as set forth below:

Arizona – ROC231279 and ROC111596; California – 825943; Florida – CBC055301, CBC1254426, CBC058022, CGC011137, CGC1505726, CGC1506412, CGC1508651, CGC031708, CGC049689, CGC058216, CGC059264, CGC060672, CPC 1457229, CPC056968, CPC 1457372, QB22306, QB0003932, QB0009891, QB0006053, QB0009949, and QB29476; Hawaii – CT-24111; Maryland – 483; Michigan – 2102157213 and 2102151004; Minnesota – 20076737; Nevada – 0057495, 0054876, 0054877 and 0054878; New Mexico – 58344; North Carolina – 37977; Oregon – 175380; South Carolina – 112024; Tennessee – 45420; Texas – 1107 and 1108; Virginia – 2705037181 and 1705114791; Washington – CENTEH*937KD; and West Virginia – WV039128.

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CTX MORTGAGE

CTX Mortgage Security Statement and Company Privacy

You expect reasonable privacy and security for your personal financial affairs. CTX Mortgage Company and its subsidiaries have internal security procedures designed to keep your personal financial information confidential.

Any information that you send to us over the Internet is confidential and is secured against access by third parties by Secure Socket Layer (SSL) encryption technology. We regularly test and update this technology to improve the protection and integrity of customer information.

CTX Mortgage Customer Privacy Disclosure

For more than 25 years, CTX Mortgage and its affiliates have recognized and respected our customers’ right to privacy. In the course of our business, you may provide us with confidential information concerning your financial affairs and we understand and appreciate the importance of maintaining the confidentiality of that information. We strive to meet the highest standards in the conduct of our business and therefore observe both the letter and the spirit of the law surrounding customer privacy issues. Maintaining the confidentiality of the information you entrust with us is a responsibility we take very seriously. We collect, maintain, use and share information about you only where we reasonably believe that it will help administer our business or provide products, services and other opportunities to you.

This privacy statement covers individual consumers and customers of CTX Mortgage and its subsidiaries and affiliates. Our privacy statement is specifically designed for the protection of consumers, or individuals obtaining a financial product or service from us for primarily personal, family or household purposes.

Use of personal information.  We use your personal information to verify your identity, provide you with quality customer service and evaluate your request for products and/or services. We also use your personal information to contact you about offers we believe will be of value to you.

Types of Personal Information.  We collect various types of information about you during the normal course of offering and providing financial products and services. Examples of such information are:

•  Information you provide in order to obtain or maintain a service or product, such as loan application data
•  Communications from you regarding your loan(s), such as a change of address request
•  Information gathered from your transactions and account history with us, our affiliates, and others, such as your loan payment history
•  Information obtained from third parties such as consumer reporting agencies or credit bureaus, employers, depository institutions and others, that we use to evaluate a loan application
•  Information that we may gather in compliance with certain laws and regulations, such as the Home Mortgage Disclosure Act.

Sharing of personal information with other Centex companies.  We may share information about you, as a current or former customer, within our Centex family of companies in order to provide you with better service and information about financial or other products that may interest you. For example, we may share transaction and account experience information about you within our family of companies. However, we do not share personal financial information obtained from applications or credit reports with another Centex company unless it is helping us respond to your request or service your existing relationship with us, such as helping us evaluate your application or review your existing loan.

Sharing of personal information with third parties.  Individuals or companies outside of the Centex family of companies are considered third parties. Mortgage lenders are permitted (and sometimes even required) to share customer information with third parties for certain purposes, such as servicing customer relationships, fraud and risk management, and responding to transaction requests.

We may share personal information with a third party company in order to offer or support a product or service that we provide to you. For example, we share payment information with the third party service provider that creates monthly statements for us.

We may also disclose personal information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements to offer you a particular product or service. We have confidentiality agreements with such parties that prohibit them from using customer information in any way other than as we direct.

In the event that CTX Mortgage or another Centex Company obtains personal non-public information about you and contemplates sharing such information in a manner inconsistent with this policy, you will be notified and provided with an opportunity, prior to such disclosure, to elect to exclude your information from being shared.

We also share personal information as legally required. We may share personal information with law enforcement agencies or other third parties to prevent or investigate suspected fraudulent activities.

We also provide personal information regarding our customers’ accounts to credit bureaus for credit reporting purposes. If you believe we have provided inaccurate information to a credit bureau, please contact us in writing with your account number and other pertinent information at: National Compliance Department, CTX Mortgage, P.O. Box 199000, Dallas, Texas 75219-9000.

Sharing of personal information with marketing companies.  We do NOT sell customer or former customer lists or personal information to list brokers, marketing firms or to other third parties.

How we keep information private.  We have internal policies and procedures designed to keep customer information safe. These include:

•  Allowing access to customer information only to authorized employees performing specific job responsibilities necessitating such access
•  Maintaining physical, electronic and procedural safeguards that comply with federal regulations to protect customer information
•  Training employees on privacy and disciplining any employees who violate our procedures

Medical and health information.  We do NOT share any medical or health information among our family of companies or with third parties, except to process transactions or to provide services you have requested or initiated.

Reporting incorrect information.  If you believe any information we have about you or your relationship with us is incorrect, please notify us at once. We will take prompt action in making the appropriate corrections. You may contact us in person, by phone at our toll free Customer Service number, 800-666-5363, or at the following address: National Compliance Department, CTX Mortgage, P.O. Box 199000, Dallas, Texas 75219-9000.

Questions regarding privacy.  If you have additional, questions about privacy please contact us in writing at the following address: National Compliance Department, CTX Mortgage, P.O. Box 199000, Dallas, Texas 75219-9000.

CTX Mortgage Linked Sites Statement

CTX Mortgage and its subsidiaries and affiliates have not reviewed the Internet sites linked to this Web site, and are not responsible for the content of any off-site pages or any other Internet Web sites linked to this Web site. Your linking to off-site pages or other Internet Web sites is at your own risk.

CTX Mortgage Liability Disclaimer

The information, software, products, and services published on this Web site may include inaccuracies or typographical errors. Changes are periodically added to the information herein. CTX Mortgage and its subsidiaries and affiliates may make improvements or changes in this Web site at any time. In no event shall CTX Mortgage and its subsidiaries and affiliates be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with the use of this Web site, whether based on contract, tort, strict liability or otherwise, even if CTX Mortgage and its subsidiaries and affiliates have been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

CTX Mortgage State Licensing Information

Arizona Mortgage Banker License #BK-0901064. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. Licensed by the California Department of Real Estate (916) 227-0931, License #00886180. Georgia Residential Mortgage Licensee, License #6215 at 2728 N. Harwood Street, Dallas, Texas 75201. Illinois Residential Mortgage License #M00414, at 2728 N. Harwood Street, Dallas, Texas 75201. Massachusetts Mortgage Lender License #0837. Not an offer to enter into an interest rate or discount point agreement under Minnesota Statute 47.206. New Hampshire Mortgage License #6827MHL for first mortgages and #6826MB for second mortgages. Licensed Mortgage Banker, New Jersey Department of Banking. New York loans are made by CTX Mortgage Company, Inc., a Licensed Mortgage Banker - NYS Banking Department, located at 6 Jeanne Drive, Newburgh, New York 12550. Licensed by the Pennsylvania Department of Banking. Rhode Island Licensed Mortgage Lender.

CTX Mortgage Company does not lend in Alaska, Hawaii, Louisiana, Mississippi, North Dakota, South Dakota and West Virginia.

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