PRIVACY NOTICE.

YOUR INFORMATION IS SECURE.
Homeland Federal Mortgage knows that you expect privacy and security for your personal financial information. This privacy policy is designed to inform you of the type of information we collect from our customers, how we use that information, and the circumstances under which we will share it with third parties.

HOMELAND FEDERAL MORTGAGE RESPECTS YOUR PRIVACY AND IS COMMITTED TO TREATING YOUR INFORMATION RESPONSIBLY.
We believe many customers appreciate receiving offerings of products and services that may be useful to them. At the same time, we understand the need to safeguard sensitive information you have provided to us and that you expect privacy and security for your personal and financial affairs.

HOMELAND FEDERAL MORTGAGE WILL COLLECT ONLY THE INFORMATION THAT IS NEEDED.
We collect non-public personal information about you only where we reasonably believe the information will be necessary or useful in processing or administering your loan, or providing products and services that we think will be of interest to you. In this notice, the term non-public personal information refers to information about you that we received from the sources described below and that is not otherwise lawfully available to the general public.

We collect non-public personal information about you from the following sources: (1) information you provided on applications or other forms, (2) information about your transactions with us, our affiliates or others, and (3) information we receive from consumer reporting agencies.

INFORMATION LOCK BOX.
Homeland Federal Mortgage does not disclose any non-public personal information about our customers or former customers to anyone, except as required or permitted by law.

MAINTAINING ACCURATE INFORMATION.
We have established procedures designed to ensure that your non-public personal information is as accurate and complete as possible, in accordance with reasonable commercial standards. If you believe that our records contain inaccurate or incomplete information about you, please notify us by calling 918.445.3535 or sending a written inquiry to us at Homeland Federal Mortgage 5800 E Skelly Dr, STE 1100, Tulsa OK 74135. We will take commercially reasonable steps to investigate your concerns and correct inaccurate information in a timely manner.

OUR LIPS ARE SEALED.
We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you and business affiliates that are directly used to provide with services you have requested (i.e. banks, title companies etc.)..

We maintain physical, electronic, and procedural safeguards to comply with federal standards to guard your non-public personal information.

WE APPRECIATE YOUR BUSINESS.
We appreciate your business and want you to understand our commitment to maintaining the privacy of your non-public personal information, as expressed in this Privacy Policy. This Privacy Policy is effective as of April 1, 2003. We reserve the right to amend the policy at any time. If you have questions about his Privacy Policy, please contact Dan Newberry.