PRIVACY POLICY

E-LOAN is dedicated to protecting the privacy of your information. E-LOAN is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to enable individuals and organizations to establish trusting relationships based on respect for personal identity and information by promoting the use of fair information practices. This privacy statement covers the site www.eloan.com. Because E-LOAN wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

This Privacy Policy covers the information provided to us when you call or visit the E-LOAN website http://www.eloan.com and seek to obtain financial products or services. Products and services are intended for U.S. Residents over 18 years of age.

Please be aware that other websites that you may access through our site may collect personally identifiable information about you. Our Privacy Policy does not cover those third party websites, and we encourage you to read their privacy policies prior to providing them with your personal information. To assist you with reading through our Privacy Policy, we have provided answers to questions you may find most important, and have created the following sections:

• How does E-LOAN collect and use my information?
• Does E-LOAN share my personal information with third parties?
• What information is shared on savings and CD products?
• Can I opt-out of communications from E-LOAN?
• Can I access my information?
• How does E-LOAN safeguard my personal information?
• How long will my information be stored?
• Who can I contact for privacy related issues?
• Will this Privacy Policy change?

E-LOAN may collect and use your personal information to respond to your requests for our financial products and services or to provide you with information about products or services that may be of value to you. Certain personal information E-LOAN collects about you may be publicly available via government records, telephone books, and other widely available media (i.e. the Internet). However, we treat all information you provide to us as non-public.

1. Information you provide

   E-LOAN collects the personal information you provide when you:

   • Contact E-LOAN with a question or suggestion

   Savings Account or Certificate of Deposit
   We collect certain information from you when you open a savings account or certificate of deposit. This includes personal information such as name, address, social security number, and bank account and routing numbers. This allows you to transfer money between accounts and lets us facilitate the transactions.

   Contacting E-LOAN
   When you contact E-LOAN with a question or suggestion we collect your name, email address, and telephone number. We only use personal information we collect to respond to and/or resolve your question or concern.

2. Information collected from other sources

   E-LOAN may also collect information about you from the following sources:

   • Consumer reporting agency: We use this information to process your account.
3. Technical information

   We use technology to:

   • Gather technical information from your Web browser (IP address, operating systems);
   • Set persistent cookies on your computer; and
   • Collect anonymous, non-personally identifiable information about your navigation throughout our website by using "action tags" or invisible "gifs" placed on our website by E-LOAN or our business partners.

   We use this information for routine Website maintenance; to establish that you are a unique user and/or for purposes of assessing the effectiveness of our Website, products and services.

4. Third Party Advertisements

   E-LOAN does NOT use third party advertising companies to provide advertisements on the E-LOAN website.

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E-LOAN may share your personal information:

• With companies involved in the loan or savings account process.

  Examples: Credit reporting agencies are a necessary part of the banking transaction. Therefore, we must provide some of your information to these companies in order to process your account.

• With companies that perform services on our behalf.

  Examples: We sometimes use service providers to assist us with specific processes or functions such as distributing our emails for us or collecting survey information from our customers. We require the service providers we use to sign business agreements that restrict their use of your information to fulfilling the contracted service.

• As required by law.

  Examples: We may need to share your information with law enforcement or government agencies in response to a subpoena, state/federal audit or other similar circumstances.

  The E-LOAN website may link you to other companies' websites that offer services that may be of interest to you. These companies do not obtain any specific information about you or your transaction on the E-LOAN website. You may also access the E-LOAN website from another company's website. We may collect Web traffic statistics from you and other consumers' Web browsers, and we may share this aggregated information with outside companies to assist them with assessing the effectiveness of their website content. No personal information is shared in this aggregated information.

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When you open a savings account or certificate of deposit through E-LOAN, we create an account for you with our parent company, Banco Popular North America (BPNA), a New York state chartered bank. These deposit accounts are FDIC insured through BPNA. BPNA will use your information solely to provide services on these accounts.

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E-LOAN always provides you with the opportunity to opt-out of communications that offer our products and services. You can opt-out of marketing communications at anytime by clicking on the following link: https://savings.eloan.com/optout and completing the applicable section(s).

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E-LOAN uses Secure Sockets Layer (SSL) technology supporting up to 128-bit encryption to prevent unauthorized parties from viewing any personal information transmitted to or from E-LOAN during your session. We have also obtained a digital certificate from VeriSign for www.eloan.com and its subdomains.

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Federal and state agencies require that E-LOAN provide aggregated demographic and loan funding information about our loan applicants. We maintain electronic and hardcopy loan application information for funded/declined/withdrawn loans for a period of at least 7 years in accordance with federal and state laws.

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Please fill out the form below to report any known or suspected privacy or security breaches or to submit privacy-related questions or complaints. If your question or complaint is not handled to your satisfaction, then you may contact the Better Business Bureau at www.oakland.bbb.org. If you do not receive acknowledgment of your inquiry or your inquiry is not satisfactorily addressed, you may contact TRUSTe through the TRUSTe Watchdog Dispute Resolution Process. TRUSTe will serve as a liaison with the website to resolve users concerns.

E-LOAN, Inc.
Attn: Privacy
P.O. Box 690547
Orlando, FL 32869-0547

To accommodate changes on the website, changing technology, and legal developments, E-LOAN may change this Privacy Policy from time to time. We will notify you in writing of significant changes to our information privacy practices, and will prominently post the current version of the Privacy Policy at the E-LOAN website.

Last revision date: February 1, 2009

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