Legal Disclaimer

PRIVACY POLICY DISCLOSURE

AND

INTERNET SECURITY

Internet Security Policy

This section explains our policy regarding any non-public personally identifiable financial information which you may voluntarily supply to us when you visit this site. If you do provide any personal information, such as your address, e-mail, telephone and/or fax numbers, it will be sent to us over a secure connection using Secure Sockets Layer (SSL) technology.

We will maintain this information, as well as any business activities and/or transactions you may enter into with us, according to our usual strict security and confidentiality standards.

When you visit our site, we may collect and store information about your visit. This information may include your computer’s domain name and Internet Protocol (IP) address, the time and length of your visit, the pages you view on our site, the last site you visited before coming to ours and the name of your internet service provider. We use this data to examine our traffic in aggregate, to investigate misuse of our network or its users and to cooperate with law enforcement.

In order to provide better service, we may use “cookies.” A cookie is a small piece of information which a web site stores in the web browser on your computer and can later retrieve. The cookie cannot be read by a web site other than the one that sent the cookie. We may use cookies for a number of administrative purposes, for example, to store your preferences for certain kinds of information.

Most cookies last only through a single session or visit. None will contain information that will enable anyone to contact you by telephone, e-mail or postal mail. You can set up your web browser to inform you when cookies are sent, or to refuse cookies.

For the convenience of visitors, our web site may contain links to one or more web sites we believe may offer useful information. The polices and procedures described here do not apply to those sites. You should contact those sites directly for information on their privacy, security, data collection and distribution policies.

We may update this web site Privacy Policy from time to time. When the policy is updated, the updated policy will be available on this page for your convenience.

Your Privacy Rights

Privacy Policy

Respecting and protecting customer privacy is vital to our business. By explaining our Privacy Policy to you, we trust that you will better understand how we keep our customer information private and secure while using it to serve you better. Keeping customer information secure is a top priority, and we are disclosing our policies to help you understand how we handle the personal information about you that we collect. The provisions of this notice will apply to former customers as well as current customers unless we state otherwise. This Privacy Policy was last updated on September 22, 2010.

Our Privacy Policy Explains the Following:

● Protecting the confidentiality of our customer information;

● Who is covered by the Privacy Policy;

● How we gather information; and,

● The types of information we share, why and with whom.

Protecting the Confidentiality of Customer Information:

We take our responsibility to protect the privacy and confidentiality of customer information very seriously. We maintain physical, electronic and procedural safeguards that comply with state and federal standards to store and secure information about you from unauthorized access, alteration and destruction. Our control policies, for example, authorize access to customer information only by our employees who need access in order to do their work.

Who is Covered by the Privacy Policy:

We provide our Privacy Policy to customers when they conduct business with our company. We reserve the right to change our Privacy Policy in any respect at any time, and we will inform you of changes as required by law. This Privacy Policy applies to consumers who are current customers or former customers.

How We Gather Information:

As part of providing you with financial products or services, we may obtain information about you from the following sources:

● Applications, forms and other information that you provide to us or authorize, whether in writing, in person, by telephone, electronically or by any other means. This information may include your name, address, employment information, income and credit references;

● Your transaction with us. This information may include account balances, payment histories and other related information;

● Consumer reporting agencies. This information may include account information and information about your credit worthiness;

● Public sources. This information may include real estate records, employment records, telephone numbers and addresses.

Information You May Choose to Provide Us:

We gather and retain personal information about you only when voluntarily submitted by you. For example, you may provide us your name, e-mail address, telephone number, address, information about whether you plan on buying and/or selling property, home search criteria and/or other information related to the sale, purchase and/or financing of real property when you complete a registration screen, respond to a questionnaire, submit a form, input search criteria or submit an e-mail to us.

Information We Share:

We do not share or disclose non-public personally identifiable information about you with anyone, except as allowed by law. We may share publically available information with third party associates, such as Realtors, who have products or services we believe may be of interest to you.

We may disclose information we have about you as permitted by law. We are required to or we may provide information about you to third parties without your consent, as permitted by law, such as:

● To regulatory authorities and law enforcement officials;

● To protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liability;

● To respond to a subpoena or court order, judicial process or regulatory authorities; and,

● In connection with a proposed or actual sale, merger or transfer of all or a portion of our business.

In addition, we may provide information about you to our service providers to help us process your applications or service your needs. Our service providers may include credit reporting companies, lenders, investors, title and escrow companies, appraisal companies and others involved in providing settlement services relative to mortgage loan originations.