January 1, 2001

We Respect Your Privacy
We understand that your privacy is very important to you. We share your concern that the information you provide to us will be safeguarded. Accordingly, McMillin Mortgage has adopted these privacy principles, guidelines and systems. We value the trust you place in us and are committed to maintaining that trust and confidence.

The Information We Collect
When you browse our Website, you do so as an anonymous visitor. No information of a personal nature is transferred to us unless you authorize it to be provided on our Website by your creating a username and password. Our Website does record the number of visitors to our site, but does not track any information about you unless you log in and save the information which you provide. When you log in, any personal information you provide on a Pre-qualification or Loan Application will be transferred to us by a secure transmission, as described in the following section. In your online Pre-qualification or Loan Application, we only ask for information that is necessary in order to process your mortgage loan application and to comply with necessary legal and regulatory requirements. We do not ask you for information that is not necessary in order to properly complete and process your Loan Application and to obtain the best possible loan for your needs.

How We Use Your Personal Information
We value and respect the trust that you place in us when providing us with personal information. In order to process a mortgage loan application, we must share this information with others. However, we only share this information within our directly-affiliated companies and with contracted third-party vendors, such as businesses or service companies hired by us to provide support services that are a necessary part of your loan processing, approval and process. These third-party vendors and support service companies have signed written agreements in which they agree to protect your personal information. They are also governed by laws regarding the safeguarding of your personal information. To further protect your personal information, we restrict access to this information by our employees to only those employees having a legitimate business reason to have such information. You should be aware, however, that there may be circumstances where we are legally required to disclose information about you, such as the compliance with a subpoena or in connection with the auditing or investigation by State or Federal regulators or other government agencies.

Our Security System
McMillin Mortgage offers you the ability to select sophisticated encryption and authentication technologies if supported by your PC configuration. Our Digital ID from VeriSign, Inc. allows your browser to verify McMillin's identity every time you visit our Website, and ensures that the information you send to our Internet address will be delivered only to us. In addition, our Digital ID enables us to use Secure Sockets Layer (SSL) encryption capabilities, making information transmissions between your browser and our server as secure as possible. Additionally, McMillin's Website has been tested and certified by the International Computer Security Association (ICSA). For additional information on browser security and how McMillin uses current technology to insure your privacy, visit McMillin's browser security information page.

Contacting us
McMillin is committed to providing the best possible customer service. We welcome your comments, suggestions and questions regarding our Website and any of the services provided by McMillin Mortgage, or any of our affiliated companies, via the Internet or otherwise. Feel free to contact us at webtech@mcmillinrealty.com, or by calling 619-336-3600. Our corporate mailing address is: McMillin Real Estate & Mortgage Company, Inc., 2727 Hoover Avenue, National City, California 91950.