Internet Security Policy

Welcome to the Homestead Financial Services, Inc. web site. This section explains our policy regarding personal information you might supply to us when you visit this site. Our goal is to protect your information on the Internet in the same way that we protect it in all the other ways we interact with you.

You can visit this site and find out about our products and services, read about our company, check on career opportunities, get a news update, or other value-added services without giving us any information about yourself.

If you do provide personal information, such as address, e-mail, telephone and fax numbers as well as demographic and customer identification, it will be sent to us over a secure connection using Secure Sockets Layer (SSL) technology.

We will maintain this information, as well as your business activities and transactions according to our usual strict security and confidentiality standards.

In order to provide better service, we use “cookies”. A cookie is a small piece of information which a web site stores on your web browser on your computer and can later retrieve. The cookie cannot be read by a web site other than the one that set the cookie. We use cookies a number of administrative purposes, for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit out site.

Most cookies last only through a single session, or visit. None will contain information that will enable anyone to contact you by telephone, e-mail, or postal mail. You can set up your browser to inform you when cookies are sent, or to prevent cookies from being set.

Consumer Privacy Policy

Privacy is Our Concern
We recognize the importance of protecting you personal information. We collect and retain information about you to communicate with you, to process you requests for products and services, and to inform you about other financial services that may of interest to you. Except as explained here in our Privacy Policy, we do not sell nonpublic personal information about current or former customers, nor do we share this type of information with anyone other than our affiliates. The examples in this Privacy Policy are illustrated only and are to be exclusive.

Information We Collect
We collect the following types of public and nonpublic personal information about you:

• Information obtained from you on applications and other forms, and from other sources used to process your request for one or more of our products or services (e.g. your name, address, social security number, employment history, income, credit balances, property insurance coverage and other representations made by you)
• Information arising from your transactions with us, our affiliates or others (e.g. payment history, account balance and other transactional information.
• Information obtained from consumer credit-reporting agencies (e.g., your history and creditworthiness.)

Sharing Information with Affiliates
We may share information based on our transactions and experience with you such as your name, address and payment history-with our affiliates. By sharing that information we can better serve your financial needs and notify you of financial products and services that might interest you, such as insurance.

Our Former Customers
We treat information about our former customers in the same manner as we treat information about our current customers.

Confidentiality and Security
We restrict access to nonpublic personal information about you to only those employees who need to know that information to provide products or services to you. We maintain physical electronic and procedural safeguards that comply with federal standards to guard your nonpublic information against unauthorized access or use.

Maintaining the accuracy of your information is shared responsibility. We maintain the integrity of the information you provide us and will update your record when you notify us of a change. Please contact us at the address or phone number listed below when information concerning your changes.

Update to Our Privacy Policy
As long as you remain a customer, we will provide you with an annual notice of this policy and we will provide notice of any revised policy to current customers and those consumers whose nonpublic personal information we share as described above. We reserve the right to change this policy at any time.

Terms and Licensing

Web Site Terms
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE OR ANY PAGES THEREOF.

Copyright 2004 Homestead Financial Services, Inc. All Rights Reserved.
Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by Homestead Financial Services, Inc. unless otherwise indicated.

Trademarks
Homestead Financial Services, Inc. are registered trademark services marks. Homestead Financial Services, Inc. may also claim trademark and service mark rights in other marks contained in the pages.

Use of Information and Materials
The information and materials contained in these pages- and the terms, conditions, and descriptions that appear- are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final Homestead Financial Services, Inc. determination and acceptance.

Use of Calculators/Estimated Payments
Although your borrower’s aggregate monthly debt payment decrease, this loan may increase both your borrower’s aggregate number of monthly debt payments and the aggregate amount paid by your borrower over the term of the loan.

No Warranty
The information and materials contained in this site, including text, graphics, links or other items-are provided "as is,” “as available”. Homestead Financial Services, Inc. does not warrant the accuracy, adequacy or completeness of this information and materials expressly disclaim liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

Limitation of Liability
In no event will Homestead Financial Services, Inc. be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Homestead Financial Services, Inc., or representatives thereof, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, accuracy opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by Homestead Financial Services, Inc.

Submissions
All information submitted to Homestead Financial Services, Inc. via this site shall be deemed and remain the property of Homestead Financial Services, Inc., and shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides Homestead Financial Services, Inc. through this site. Homestead Financial Services, Inc. shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Homestead Financial Services, Inc., entity having the direct customer relationship or as otherwise specifically agreed or required by law.

Links/Limitations of Liability
Periodically, links may be established between this web site and one or more we sites operated or content provided by third parties. For purposes of these Terms and Conditions, the term “link” includes both outbound links (hypertext links to external web sites or content) and inbound links (hypertext links which draw material from other sources into this web site). Homestead Financial Services, Inc., is not responsible for the contents of any linked site or any line contained in a linked site, or any updates or changes to such sites. The hyperlinks contained within our site are provided as a service to our users and do not necessarily imply endorsement by Homestead Financial Services, Inc. of the site. We will attempt to provide accurate and up to date information on our site, but make no warranties or representations as to the accuracy of the information. By using the site, you acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected wit your access to or use of the site, (even if we have been advised of the possibility of such damages) including liability associated with any viruses which may infect a user’s computer equipment.

E-Signature
Neither Homestead Financial Services, Inc., nor any officer, employee or agent of Homestead Financial Services, Inc. is authorized to enter into any agreement or other obligation for Homestead Financial Services, Inc. by e-mail, facsimile or any other electronic means without specific authorization. Such authorization has not been granted in the case of any e-mail communication or the transaction or matter to which it relates. Any e-mail message and all other related communications may not be relied upon by the recipient for any purpose, and are not legally binding, valid or enforceable pursuant to the federal e-sign act or state counterpart.