TERMS OF USE

Home Loan Website Terms and Conditions

Please read our Terms and Conditions carefully, since they govern the use of Home Loan's website. We refer to Home Loan's website as "Website" in these Terms and Conditions.

Access to Website

Home Loan maintains this site to provide you with information about our mortgage loan products and services. From time to time we may make revisions to the Website Terms and Conditions.

By accessing this site you indicate your acknowledgement and acceptance of our Terms and Conditions. If you do not agree to our Terms and Conditions, please do not access this site or any of the pages herein.

Transmissions and communications to and from this website, even if done with the use of a secure Internet browser, may be monitored and intercepted by third parties, including firms that provide Internet security services and intrusion monitoring. Each user of this Website agrees that any information submitted to Home Loan shall be and remain the property of Home Loan, and that Home Loan is free to use this information for any legal purpose associated with mortgage lending.

Safeguarding of Website and Protection of Information

Home Loan maintains strict policies and procedures designed to protect the privacy, confidentiality and protection of all non-public personal financial information that we collect. Submission of information in loan applications is accorded the highest level of protection. We strictly govern access to all information on a need-to-know basis, and we maintain a comprehensive Information Security Risk Program. Home Loan's use of customer information is governed by strict regulatory guidelines and includes written plans and procedures for access control, customer account protection, security breach prevention and incident response, disaster preparedness, and guidelines for intrusion detection. (See Customer Privacy Statement).

Information Collected in Connection with Visits to Website

When you visit our Website, Home Loan may use standard website tracking software to collect non-identifying information about consumer site visits. This is done through using an information management tool referred to as a "cookie". A cookie consists of a small amount of data that is transmitted between your computer and our server whenever you click on a link with our Website. Cookies provide a way for our server to recognize a previous request made by your web browser. Cookies do not provide any personally identifiable information about you, such as your name or e-mail address, but only provide us with general information about the dates and times our site was accessed, the web browser used, and the assigned numeric Internet Protocol (IP) address of each session. This information helps to provide us with summary statistics as to the level of interest in our Website, including which products, features, and web pages are the most popular with consumers.

Copyright and Trademark Notice

The images, text, screens, design, and web page displays appearing on this Website are owned by Home Loan, or others as indicated, and are protected by law. You agree not to copy, display, distribute, download, license, sub-license, modify, repost, reproduce, reuse, sell, transmit, create any derivative work from, or otherwise use for public or commercial purposes, any information or materials from Home Loan's Website without the express written permission of Home Loan. Unless otherwise noted, all other trademarks, service marks, and logos used on this site are the property and trademark, service mark, or logo of Home Loan, or others as indicated.

Indemnity

Each user of this Website agrees to indemnify Home Loan, any affiliate or subsidiary companies, its management, employees, agents, and/or directors harmless from and against all claims and expenses, including attorneys' fees, arising out of the use of this Website and the content herein.

USA Patriot Act Statement

To assist the government in prohibiting the funding of terrorism and money laundering activities, we are required to verify information that identifies each person who opens an account. When you apply for a mortgage loan, your name is required to be matched against a computerized list of persons wanted by the U.S. Department of Treasury's Office of Foreign Assets Control (OFAC). Home Loan conducts this review at the time the credit report is obtained, so as to prevent any inconvenience to consumers. We thank you for your understanding and for joining us in securing a safer tomorrow.