This privacy statement covers the http://www.greatoaklending.com/ web site where we exercise the highest standards of protection.

INFORMATION COLLECTION AND USE

Information Collection

During the application process, you'll provide Great Oak Lending Partners with: contact information (your name, address of your property, telephone number, etc.); personal information; and financial history (current employer, annual income, etc.)

Information Use

Great Oak Lending Partners will use the information you give us to:

• Contact you about services you've requested
• Provide information to potential mortgage lenders
• Track generic statistical information

Great Oak Lending Partners is the sole owner of the information collected on the http://www.greatoaklending.com/ web site and that data isn't shared with any parties not directly involved in providing mortgage loans to consumers. Your information isn't sold, shared or otherwise distributed to any party other than lending institutions specifically involved in obtaining a mortgage loan that meets your needs. We exercise the highest standards when it comes to protecting your rights of financial and personal privacy.

Third Party Intermediaries

Great Oak Lending Partners partners with third party lenders to acquire mortgage selections that meet your specific needs. The information you provide will be shared with these partners in a secure and private format.

Legal Disclaimer on Sharing of Information

We make every effort to preserve your privacy but we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our web site.

SECURITY

Information you submit is protected both on-line and off-line: it's collected over a secure link and stored on secure servers.

The Encrypted 1003 utilizes secure socket layer (SSL), frequently referred to as "Netscape" encryption. This allows both Netscape and Microsoft Explorer browsers to communicate with our server in a secure SSL encrypted session. It is often used to securely transfer credit card numbers and other sensitive information.

The Internet does not provide built-in security. This is why our 1003 residential loan application is not e-mailed. To increase security and privacy, we will be notified via e-mail of your completed 1003 application and we are required to access the completed 1003 via encryption, username, and password. The SSL protocol delivers server authentication, data encryption, and message integrity.

Great Oak Lending Partners protects your sensitive information off-line as well. The information you provide is restricted within our offices and shredded when no longer needed. Our employees are knowledgeable about security and privacy practices and are individually responsible for protecting your information. Finally, the servers that store information are located in a secure environment.

COMMUNICATION

Customer Service

Great Oak Lending Partners will communicate with our customers to provide requested services via phone, at a convenient time as requested by you the borrower, or within 24-48 hours.

OTHER INFORMATION

Notification of Changes to Our Privacy Policy and/or Procedures
If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected.

Contact Information

If you have any questions regarding this privacy policy, contact us:

1-800-544-8584

info@greatoaklending.com

Fax: (443) 524-2326

by mail: Great Oak Lending Partners, 1920 Greenspring Dr., Timonium, MD 21093

We are proud members of the Maryland Better Business Bureau.

You can view our profile with the BBB and our satisfactory record by clicking on the BBB icon below.