We strive to safeguard your data. We do this by:

• setting policies and procedures for carefully handling your information;
• limiting employee access to sensitive information;
• protecting against unauthorized access to customer data using data encryption, authentication, and virus detection technology;
• requiring service providers who do business with Countrywide to comply with privacy laws;
• auditing company security practices;
• monitoring our websites through recognized online privacy and security organizations such as Cybertrust Corporation; and
• conducting background checks on all employees and providing privacy training.

Our systems automatically switch to "secure" mode when you are asked to enter personal information on a Countrywide website (such as your loan number, account number or social security number). To keep your data safe, we use:

• Encryption and authentication technology
• Website design that blocks or limits online display of customer information when not necessary to the transaction
• IDs and passwords to protect customer information

For more details on Internet security, please see our "About Internet Security" section

We design many features of our website so new visitors may anonymously learn about our products and services, view todays rates and use our educational tools without revealing their identity. For new visitors, we use "cookies" and Web beacons to collect limited data (such as the date, time and areas of our website visited and the website the new visitor came from). When you select one of our products or services, review your accounts online or respond to marketing materials sent to you directly, we will try to identify your browser and may combine information from "cookies," Web beacons and other information collected online with any other data we maintain about you. By improving the marketing and content of our website and making your online experience more convenient, we are able to better serve our customers' financial needs.

To make products and services available, often at a savings to you, we may prudently share some customer and former customer non-public personal information with business partners under an agreement requiring the partner to keep the information confidential and only use it for those offers.

1. Continue receiving valuable and convenient product and service offers
   You can enjoy the benefits of valuable product and service offerings without taking any action.
2. Opt out of information sharing outside the Countrywide family of companies
   This choice would stop us from sharing non-public personal information with our carefully screened business partners. This may limit our ability to inform you of valuable and convenient products and services from partner companies.
3. Opt out of information sharing within the Countrywide family of companies
   This choice would stop us from sharing non-public personal information within the Countrywide family of companies. This may limit our ability to offer conveniences such as a tailored savings quote on homeowners insurance, a custom financial investment plan, and other financial service offers.

We honor our customers' privacy choices across the family of companies. For loans to multiple borrowers, we will apply an opt out by any borrower to all borrowers on the loan. If you opt out, we will continue to share non-public personal information with our service providers (such as the vendor who prepares our monthly statements), with third parties as required or permitted by law (such as credit reporting agencies or regulators), and share transaction and experience information (such as your loan balance or payment history) within the Countrywide family of companies.

During the application process, you will receive a privacy notice that includes a toll-free telephone number to call if you want to opt-out. Please have your account and billing information available when you call. If you have any questions about our privacy policy, please send an e-mail message to privacypolicy@countrywide.com.

In today's dynamic market, opting out may mean missing timely information about products and services that help you accomplish your homeownership and other financial goals. It's something to think about carefully. We don't want you to miss out on any opportunities.

Please review the website privacy notices of the companies listed below for state-specific information of other members of the Countrywide family:

Some companies in the Countrywide family have different information sharing practices. Please see their websites for more information.

Countrywide websites may contain links to other companies not in the Countrywide family for your convenience and information. If you access those links, you will leave the Countrywide website. We encourage you to review the privacy policy of any company before submitting your personal information.