Your privacy is important to us. For each visitor to our site, our web server does not automatically recognize information regarding visitors domain or e-mail address. We collect information on what pages users access or visit and information volunteered by the users, such as specific requests for information. All information we collect is used for internal purposes and then discarded. It is used to improve the content of our web site and specifically to improve our service to individuals interested in our mortgage products. Your personal information is not shared with any other organization or third party.

Persons who supply us with their phone numbers on-line may receive telephone calls from us with information they have requested. Persons who give us their e-mail or postal mailing address on-line may receive periodic mailings from us. If you decide you do not wish to receive E-mail, postal mail or telephone calls from us after you have supplied these addresses, please let us know by contacting us at one of the addresses or telephone numbers listed at the bottom of this page.

Privacy and Trust

Earning customers trust is important to the success of any business, and for the mortgage industry, which relies on the Internet as a communication medium, it is crucial.

Two challenges

First, since the vast majority of our customer interaction is conducted over the Internet we must instill a high level of confidence that the sensitive information required to shop and apply for a loan will not be accessible to third parties.

Second, our potential customers are making one of the biggest financial decisions of their lives, we must conduct business appropriately.

Internet Security and Privacy Policy

The privacy of information on the Internet has received a lot of press lately. The U.S. Federal Trade Commission has mandated that the Internet must develop and implement a privacy policy, or they will. Netscape, Microsoft and others have joined with the World Wide Web Consortium to develop privacy mechanisms for the Internet called P3.

Doug and Texas Mortgage Concepts, LLC applauds this work, as our business relies on people trusting the security of communications on the Internet and our Web Server and Corporation in particular. Our customers' privacy has always been a major concern.

Web Site Privacy

Being an Internet enabled business, you must be able to trust our Internet based services. Potential borrowers must feel comfortable, revealing extremely sensitive information to us via our Web Server. We must be able to ensure that information is transmitted from the applicant's browser, to our server with a minimal chance of snooping. And when someone does trust us with information, we must ensure that the information does not leave us either willingly, or by force.

Below is an outline of Doug and Texas Mortgage Concepts, LLCs privacy/security policy.

• Doug and Texas Mortgage Concepts, LLC does not collect any information that is not required to accomplish the tasks that you have asked of it.

• The System does not collect information that you have not specifically told it.

• Doug and Texas Mortgage Concepts, LLC does not sell information about our specific clients/users to other organizations.