We know there is certain information you do not want to share with everyone. And we are just as concerned about protecting the information you provide to us. That is why Beverly Hills Mortgage and Realty, Inc. (hereupon known as Beverly Hills Mortgage) and our associates have adopted these privacy guidelines. We value your trust in us and are committed to earning and maintaining your confidence.

This privacy policy describes the kinds of information we collect from our customers, how we use that information, and the limited situations under which we will share it with third parties.

Beverly Hills Mortgage will only collect information about you that we reasonably believe will be necessary or useful in processing or administering products or services that you have requested from us. We will also collect information in order to notify you about products; services and other opportunities we think will be of interest to you.

This information may be collected from a variety of sources, such as the following: (1) information provided by you in connection with obtaining financial products and services such as mortgage loans (2) information obtained from non-affiliated third parties such as a credit bureau which provides your credit history or employment verification, and (3) information about your transactions with us, our affiliates or others.

We strive to ensure your information is as accurate, current and complete as possible. If you ever find that our records are inaccurate or not current, please contact us at the telephone number: 310-858-5550.

Access to our systems containing nonpublic personal information is only to those employees who need it for the purpose of providing products or services to our customers. In addition, we maintain physical, electronic, and procedural safeguards that are designed to comply with federal guidelines concerning the security of nonpublic personal information.

Unlike some other institutions, Beverly Hills Mortgage does not sell customer lists or other information about our customers to unaffiliated parties. Moreover, we do not in any manner share customer information with unaffiliated third parties except as described below or as otherwise expressly permitted by law.

In order to efficiently and cost-effectively market our own products, we contract with companies providing marketing and solicitation services, such as printers, marketing fulfillment firms and other companies. As part of these activities, we may provide limited information about our customers to such parties. In addition, we may occasionally engage in joint marketing with unaffiliated financial institutions for various financial products and services (such as credit life and disability insurance) that Beverly Hills Mortgage does not offer on its own, but we think will be of interest to our customers. In such cases, Beverly Hills Mortgage will always be identified in the joint marketing materials or solicitation. We may disclose all of the information we collect (described in "Information Collection" above) to the companies that perform marketing services on our behalf or to other financial institutions that have joint marketing agreements with us. Our agreements with these companies are subject to confidentiality provisions and restrictions that prohibit using the information beyond the performance of the specified services or in connection with the jointly marketed product or service.

The USA PATRIOT Act, a federal law, requires all financial institutions to obtain sufficient information to verify your identity when creating a new banking relationship. You may be asked several questions including your name, address and date of birth, and to provide one or more forms of identification to fulfill this requirement. In some instances, we require other identifying documents and/or use a third party information provider for verification purposes. Of course, our established Privacy Policy helps protect your personal information.

Beverly Hills Mortgage will protect the privacy of your personal and financial information. To guard your nonpublic personal information, we maintain physical, electronic, and procedural safeguards that comply with federal regulations.

Specifically, we have designed our systems to ensure that your Personal Identification Number (PIN), password and other access codes are always private and confidential. For your protection, only you know your access codes - our employees cannot gain access to them and they will not ask you to reveal them.

The length of time we retain information varies depending on the product or service and the nature of the information. This period may extend beyond the end of your relationship with us but only for so long as it is legally necessary for us to have sufficient information to respond to any issue that may arise at a later date or as required by other regulatory agencies. When your information is no longer needed for the purposes explained to you, we have procedures to destroy, delete, erase or convert it to an anonymous form.

We update and test our technology regularly to ensure we maintain commercially reasonable standards in securing your financial privacy.

To provide better service and a more effective Web site, we use "cookies" as part of our interaction with your browsers. A "cookie" is a small text file placed on your hard drive by our Web Page Server. Our cookies cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your e-mail address. Cookies are commonly used on Web sites and do not harm your system.

We may use cookies to record information about

• Visitors' preferences
• User sessions on our web sites
• What pages users access or visit on our web sites
• Past activity at a site in order to provide better service when visitors return to our site, or to accomplish the following purposes:
• Alert visitors to new areas that we think might be of interest to them when they return to our site
• Ensure that visitors are not repeatedly sent the same banner ads
• Customize Web page content based on visitors' browser type or other information that the visitor sends

We use cookies in places where you need to register, such as Internet banking, or where you are able to customize the information you see. Recording a cookie at such points makes your online experience easier and more personalized.

Our cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. However, if you configure your web browser so that "cookies" are turned off, our website may not be able to process your transaction. If this happens, please turn your cookies back on and log onto our site again.

Your password, information relating to your accounts and your enrollment are scrambled using some of the strongest forms of encryption commercially available for use over the World Wide Web.

How does encryption work?

Everything that travels through the Internet during your online session becomes a string of unrecognizable numbers before entering the Internet. Both Beverly Hill Mortgage's computers and the browser you use to surf the Web understand the mathematical formulas, called algorithms, which turn your information into numeric code and back again into meaningful information.

These algorithms serve as locks on the doors of your account information. And while Beverly Hill Mortgage and your computer can easily translate this code back to meaningful language, this process would be a daunting, almost impossible task for unauthorized intruders. That's because there are billions of possible keys that could potentially solve each formula; but only one that will work. Every time you begin an online information session, your computer and Beverly Hill Mortgage's systems agree on a random number that serves as the key for the rest of the conversation. What that random number is depends largely on the strength of encryption used by your browser.

Beverly Hill Mortgage ensures that all information transmitted via the internet is encrypted. If for any reason your secure session ends, your information session terminates.

For maximum protection, Beverly Hill Mortgage encourages you to use browsers offering 128-bit encryption. This is also known as high or strong encryption. It means there are 2128 possible keys that could fit into the lock that holds your account information. In other words, a hacker attempting to get to your account information would need to use a computer with exponentially more processing power than for 40-bit or 56-bit encryption to find the correct key.

All browsers provide detailed information on security levels. See your browser's help or documentation for more information.

How do I know if my information session is encrypted?

You can determine if encryption is being used on a given Web page by looking for the following icons in the lower portion of your browser:

Browser	Secure	Not Secure
Netscape Navigator or Communicator 4.0 or later
Microsoft Internet Explorer (any version)		No Icon