INTERNET SECURITY POLICY

Welcome to South Bay Equity Lending's web site. This section explains our policy regarding any personal information you might supply to us when you visit this site. Our goal is to protect your information on the Internet in the same way that we protect it in all the other ways we interact with you: in our office or on the phone.

You can visit this site and find out about our products and services, read about our company and our value-added services without giving us any information about yourself.

If you do provide personal information, such as address, e-mail, telephone and fax numbers, as well as demographic and customer identification, it will be sent to us email and this information will not be stored in any data base for your protection.

We will maintain this information, as well as your business activities and transactions, according to our usual strict security and confidentiality standards.

In order to provide better service, we may use "cookies". A cookie is a small piece of information which a web site stores on your web browser on your computer and can later retrieve. The cookie cannot be read by a web site other than the one that set the cookie. We use cookies for a number of administrative purposes, for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our site. Most cookies last only through a single session, or visit. None will contain information that will enable anyone to contact you by telephone, e-mail, or postal mail. You can set up your web browser to inform you when cookies are sent, or to prevent cookies from being set.

We reserve the right to change this policy at any time.

PRIVACY POLICY

YOUR PRIVACY IS OUR CONCERN

We recognize the importance of protecting your personal information. We collect and retain information about you to communicate with you, to process your requests for products and services, and to inform you about other financial services that may be of interest to you. Except as explained here in our Privacy Policy, we do not sell nonpublic personal information about current or former customers, nor do we share this type of information with anyone other than our affiliates. The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.

INFORMATION WE COLLECT
We collect the following types of public and nonpublic personal information about you: Information obtained from you on applications and other forms, and from other sources used to process your request for one or more of our products or services (e.g., your name, address, employment history, income, credit balances, property insurance coverage and other representations made by you).

Information arising from your transactions with us, our affiliates or others (e.g., your payment history, account balance and other transactional information).Information obtained from consumer credit-reporting agencies (e.g., your credit history and creditworthiness).

WHO WE SHARE YOUR INFORMATION WITH AND WHY
Except as discussed herein, we will only share nonpublic personal information about you with nonaffiliated third parties as permitted by law or with your consent. We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing arrangements.

SHARING INFORMATION WITH AFFILIATES
We may share information based on our transactions and experience with you - such as your name, address and payment history - with our affiliates. By sharing that information, we can better serve your financial needs and notify you of financial products and services that might interest you, such as insurance.

OUR FORMER CUSTOMERS
We treat information about our former customers in the same manner as we treat information about our current customers.

CONFIDENTIALITY AND SECURITY
We restrict access to nonpublic personal information about you to only those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information against unauthorized access or use.

Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. Please contact us at the address or phone number listed below when information concerning you changes.

UPDATES TO OUR PRIVACY POLICY
As long as you remain a customer, we will provide you with an annual notice of this policy. We will provide notice of any revised policy to current customers and those consumers whose nonpublic personal information we share as described above. We reserve the right to change this policy at any time.