The following principles are applicable to all of our employees, and are supported by rigorous control policies for the protection, access, security and storage of customer information. The principles are:

• We do not share customer information with any affiliated company or other institutions. Customer information handled by our employees while administering the mortgage origination and servicing functions is conducted in accordance with strict security and privacy control standards, confidentiality policies, and with applicable banking laws and regulations.
   
• We hold our employees fully accountable for adhering to all standards, policies, and laws affecting the protection and use of customer information.
   
• We do not share information about our customers except in order to properly and ethically conduct our business, comply with applicable law, protect against fraud, or make special offers of products and services that we may feel may be of interest to customers. We may also provide information to regulatory authorities and law enforcement officials in accordance with applicable law.
   
• We have established high standards for protecting information regarding our customers from unauthorized alteration or destruction.
   
• We do not report customer information to any credit bureau. Customers should notify us if they receive information regarding their relationship with Home Loan Investment Bank that they believe to be inaccurate.

At Home Loan Investment Bank, information regarding our customers is used solely in the legitimate conduct of our business. We will continually maintain our dedication to assuring that customer information is properly used and appropriately safeguarded. Most Recent Board of Director Review November 27, 2003