OFF-BALANCE SHEET ARRANGEMENTS Off-balance sheet arrangements have not had – and are not reasonably likely to have – a material effect on our current or future financial condition, results of operations or cash flows. Note 10: Consolidation of Variable Interest Earnings and Note 11: Real Estate in Process of Development and for Sale of Notes to Consolidated Financial Statements contain our disclosures of:

• surety bonds;
• letters of credit and guarantees;
• lot purchase option contracts with and subordinated financing provided to unconsolidated variable interest entities; and
• information regarding special purpose entities that we have consolidated.