Your Privacy Is a Priority to Us
The confidentiality of our customers' personal information is important to M.D.C. Holdings, Inc. (MDC) and its affiliates. MDC's affiliates include Richmond American Homes, HomeAmerican Mortgage Corporation, American Home Insurance Agency, Inc., AH Insurance Agency, Inc., AHI Inc., American Home Title and Escrow Company, and Lion Warranty Corporation. We are providing you with this privacy notice to help you understand how we handle personal information about you that we may obtain and under what circumstances we may disclose the information to our affiliates and other third parties. This notice also tells you how you can limit our disclosure of your personal information.

We do not sell any information about our customers to anyone. Sharing personal information within the MDC family of companies may benefit you by making it easier for you to apply for services from our related companies. In addition, sharing personal information can help you receive timely notice about additional products, services or other special offers that may be of interest to you.

How We Gather Information
As part of selling you a home, providing you with financial products or services, or both, we may obtain information about you from the following sources:

• Applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically or by any other means. This information may include your name, address, telephone number, Social Security number, driver's license number, marital status, employment information, income information, assets and credit references.
• Your transactions with us, our affiliates (members of the MDC corporate family), or others. This information may be part of your HomeAmerican loan application, your Richmond American Homes purchase contract or an application for insurance from American Home Insurance or American Home Title and Escrow.
• Consumer reporting agencies. This information may include your credit bureau reports and other information relating to your creditworthiness and credit history.
• Public sources. This information may include real estate records and telephone numbers.

Sharing Information with Our Affiliates
In the course of our business, we may share customer information with members of our corporate family.

The information we may share includes

• Information about your identity (such as name, address, phone number, Social Security or driver's license numbers);
• Information about your transactions with us (such as your account number, loan balance and repayment history);
• Certain information about your application with us (such as information about your assets or income) and
• Information about your credit report or similar information (such as information about your credit standing or other characteristics) obtained from credit bureaus.

If you do not want us to share application and credit report or similar information within the MDC corporate family, you may write or call us:

Write to us at
M.D.C. Holdings, Inc.
c/o HomeAmerican Mortgage Corporation
Customer Service Department
7595 Technology Way, Suite #200
Denver, Colorado 80237

Or call us at 800-772-8024.

Please provide the name, address, Social Security number, and loan/policy number of each customer or joint account holder who does not want us to share their information within the MDC corporate family. If you have a joint account, a request by one party will apply to the entire account. Please allow 30 days from our receipt of your request for your instructions to become effective.

Sharing Information with Nonaffiliated Third Parties
Nonaffiliated third parties are those not part of the MDC corporate family. We may share information with financial service providers such as insurance agents and non-financial companies such as retailers and direct marketers. The information we may share with these companies includes information about

1. Your identity (such as name, address, phone number, Social Security or driver's license numbers) and
2. Your transactions with us (such as your loan balance and repayment history).

If you do not want us to share your information with nonaffiliated third parties so they can market their products or services to you, you may write or call us:

Write to us at
M.D.C. Holdings, Inc.
c/o HomeAmerican Mortgage Corporation
Customer Service Department
7595 Technology Way, Suite #200
Denver, Colorado 80237

Or call us at 800-772-8024.

Please provide the name, address, Social Security number, and loan/policy number of each customer or joint account holder who does not want us to share their information with nonaffiliated third parties. If you have a joint account, a request by one party will apply to the entire account. Please allow 30 days from our receipt of your request for your instructions to become effective.

Sharing of Information in Other Circumstances
We may disclose information to nonaffiliated third parties with respect to marketing our own products and services, as well as those products or services we offer jointly with others. We may share all the information we collect for marketing purposes. The partners with whom we share this information may include

• Marketing service providers who market our products and services with whom we have joint marketing agreements and
• Other providers with whom we have entered into an agreement to jointly market products or services.

We are required to or we may provide information about you to nonaffiliated third parties outside of the MDC corporate family without your consent, as permitted by law, such as

• To respond to a subpoena or court order, judicial process or regulatory authorities;
• To consumer reporting agencies;
• In connection with a proposed or actual sale, merger, or transfer of all of or a portion of a business or an operating unit or
• To protect against fraud.

Whatever the reason for sharing information, we require confidentiality by the receiving parties and limit the use of the information to the purpose for which it was disclosed.

Former Customers
If you end your relationship with us, we will continue to treat and safeguard your information as described in this notice.

Our Security Practices and Information Accuracy
We also take steps to safeguard customer information. We restrict access to the personal and account information of our customers to those employees who need to know that information in the course of their job responsibilities. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect customer information.

We also have internal controls to keep customer information as accurate and complete as we can. If you believe that any information we have about you is not accurate, please let us know immediately.

Protecting Your Information Online
The following statement applies to all of MDC's websites. If you request information through our websites, use online tools and calculators, apply on-line for products, subscribe to online services, complete an online form or application, or conduct transactions online (e.g., Internet or wireless device), we and certain unaffiliated third parties with which we partner to deliver online products and services may retain the information you provide.

• E-mail
  If you agree to receive e-mail messages from us, we may retain the information you provide us to deliver e-mails of specific interest to you. If you choose to send us e-mails, we may retain the content of your e-mail message, your e-mail address, and our subsequent response. Please be careful about the information you provide to us by e-mail; as with any public website, this channel of communication is not necessarily secure against interception.
• Use of "Cookies"
  Our sites use "cookies" to help you personalize your online experience. One of the primary purposes of cookies is to save you time. Cookies allow you to customize our sites to match your personal preferences. You have the ability to accept or decline cookies. If you choose to decline cookies, you may not be able to fully experience the interactive features of our sites.
• Children's Online Information Privacy
  Protecting children's identities and information online is important. We do not knowingly solicit data from children online, nor do we market our online products and services to children under the age of 18 years old.

Other Information
This Privacy Policy applies to products or services provided by M.D.C. Holdings, Inc. and its affiliates. We reserve the right to change this policy at any time.