CENTERPOINTE FINANCIAL INTERNET PRIVACY STATEMENT

          The following Privacy Statement is to inform you of Centerpointe Financial’s (“Centerpointe”) privacy policy and practices with respect to the use of Centerpointe’s website.  In order to help protect a user’s privacy we are explaining our practices with respect to the personal information submitted on our Websites on which this Privacy Statement is posted.  Please note, this Website may contain links to other sites and/or information which is provided by third parties.  Centerpointe is not responsible for the privacy policies or practices of any website which it does not own or operate.

            Our Websites allow users to gather information regarding financing and the mortgage/loan process, request further information regarding financing and apply online for a mortgage.  In order to comply with user inquiries, Centerpointe requests personal information from users through its Website.  Such personal information may include name, address, e-mail address, telephone number, fax number, household income and other financial information. 

            Centerpointe uses the information gathered from Website users to fulfill requests regarding mortgage qualification and our services and to suggest loan programs which we believe may be of interest to users based upon the information they provide.   In addition, the information is also used for market research purposes and development of future services.  The use of our Website after your review of this Privacy Statement constitutes your permission for such uses. 

            Centerpointe will not knowingly share information gathered or provided by its users with anyone other than its affiliates, unless otherwise disclosed to its users or as permitted by applicable law.  We do not sell information collected on our Website unless otherwise previously disclosed by Centerpointe or an affiliate of Centerpointe.  Data transmitted through Centerpointe’s Website, including all personal information you submit, is encrypted and Centerpointe uses physical, electronic, and procedural safeguards to guard your nonpublic personal information.  While it is Centerpointe’s intent not to disclose any personal information gathered from its Website users, Centerpointe can not ensure the privacy of information transmitted over the Internet, as no data transmission over the Internet can be guaranteed.

            In order to provide users with the best experience on Centerpointe’s Websites, we may send “cookies” to user’s computers.  “Cookies” are files that can identify you as a unique customer and store personal preferences and technical information.  While cookies do not contain or reveal personal information, if a user chooses to provide Centerpointe with personal information through its Website, such information may be stored in the “cookies.”  These “cookies” are temporary and only remain on user’s computers until they close the browser.  Disabling cookies or similar devices might prevent a user from accessing some of the content on Centerpointe’s Website.

            This Privacy Statement is effective as of the date written below and may be modified from time to time by Centerpointe in its sole discretion.  Accordingly, Centerpointe encourages users to review this Privacy Statement for changes and updates with respect to Centerpointes privacy practices.  If users do not agree with any provisions of Centerpointe’s Privacy Statement or any modification thereto, please do not use any of Centerpointe’s Websites.

January 30, 2006