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.

Recent versions of most internet browsers support the encrypted transmission of on-line documents and the data you enter on a web page. This means that instead of sending readable text, both your browser and the website's secure server encode all text using a security key. That way, personal data sent to your browser or data you send back would be extremely difficult to decode in the unlikely event it was intercepted by an unauthorized party. The key used for encoding is a random number that is unique to your session at the secure website.

There are two grades of internet security: International-grade encryption uses a 40-bit random number negotiated between your browser and the web-server. This means that only one out of about 1,000,000,000,000 possible decoding keys can be used to decipher your data. Domestic-grade encryption uses a 128-bit key, so that the number of possible keys is vastly larger. The Countrywide site uses the highest grade of encryption supported by your browser and your internet connection.

A Web beacon is a graphic image (such as a pixel tag or clear GIF) that is placed on a web page or in an e-mail message to monitor user activity (such as whether the web page or e-mail message is read or clicked). They are often invisible because they are very small in size. They are also used on many web pages for alignment purposes. We sometimes use Web beacons to provide an independent accounting of how many people visit our websites or to gather statistics about browser usage at our websites. Some of our web pages and HTML-formatted e-mail newsletters use Web beacons in conjunction with cookies. It is difficult for you to limit the use of Web beacons because there is no easy way to distinguish their use from alignment and other purposes. They may be loaded from a different web server than the rest of the page.

We sometimes use third party advertising companies to serve our internet ad banners on our site and other sites on which we advertise. If you click on one of those ads, you will be directed to one of the Countrywide Financial sites offering that particular product or service. If you view a web page where our ads appear, the advertising company may place a cookie on your computer or use a Web beacon to access a cookie they previously placed on your computer. These companies do not collect information that can identify you personally, but may use information about your visits to our sites and other sites to measure the effectiveness of ads. We do not give any personally identifiable information to these companies. Unless you are first notified, these advertising companies do not link any online actions or cookie to any information that can be used to personally identify you (such as your name, address or e-mail address). The companies that distribute our ads are prohibited by contract from using information other than for the agreed upon purpose - to help us market our products and services and to measure response rates.

Third party advertisers are subject to their own privacy policies. Currently, we use web beacons provided by Doubleclick, Yahoo!, Google and MSN. If you prefer that Doubleclick does not record your information by means of these web beacons on our website, please click here: http://www.networkadvertising.org/consumer/opt_out.asp. If you prefer that Yahoo! not record information by means of these Beacons on our website, visit Yahoo! at http://privacy.yahoo.com/privacy/us/beacons/details.html to opt out. To prevent other advertising companies from placing cookies on your computer, you may adjust the privacy settings for your browser to block or filter cookies, or visit each website individually and opt-out.

Shared secrets are the most common security method for accessing confidential information. A shared secret is something known to both the user and the holder of the confidential information. The most common shared secrets are a user ID and password. These shared secrets allow the user to log into the site of the holder of confidential information such as a financial institutions or online merchants. Shared secrets form an integral part of user authentication in today's online environment.

Your shared secrets should never be revealed in response to unsolicited e-mails. Criminals attempt to obtain individual's personal identifying information and use that information illegally such as to open and/or use credit cards, obtain phone or utility accounts, obtain loans, work, open bank accounts and/or pass fraudulent checks using a technique called "phishing". Criminals may also attempt to obtain that information over the phone posing as a survey taker, telemarketer or other unsolicited caller ("pretexting ").