Rev 02/2011

FACTS
Why?

WHAT DOES THE HOMEOWNERSHIP PRESERVATION FOUNDATION (HPF) DO WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include:

What?

Social Security number employment information credit card or other debt mortgage rates and payments

income and assets income medical related debts credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information; the reasons Homeownership Preservation Foundation chooses to share; and whether you can limit this sharing. Does HPF share? Can you limit this sharing? No

Reasons we can share your personal information For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes to offer our products and services to you For joint marketing with other financial companies For our affiliates everyday business purposes information about your transactions and experiences For our affiliates everyday business purposes information about your creditworthiness For nonaffiliates to market to you

Yes

Yes Yes We do not presently have affiliates We do not presently have affiliates No

No No We don't share We don't share We don't share

Questions?

Call toll-free 1-888-995-4673 or go to http://www.995hope.org

Page 2 Who we are

Who is providing this notice? This privacy notice is being provided by the Homeownership Preservation Foundation members of our network of U.S. Department of Housing and Urban Development (HUD)-approved housing counseling agencies (identified below in Other important information).

What we do
How does Homeownership Preservation Foundation protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Also, the Homeownership Preservation Foundation and our network HUD-approved housing agencies allow employees, authorized service providers and other parties as required or permitted by law to access your information. How does Homeownership Preservation Foundation collect my personal information? We collect your personal information, for example, when you

seek housing counseling services or contact us for information about the governments Making Home Affordable Program give us your contact information seek advice about your debt, including mortgage

give us your employment and financial information, including information about your income and debts provide us your mortgage information request assistance with a lenders loan modification process

We also may collect your personal information from others, such as credit bureaus, other housing counseling agencies, mortgage servicers, and other companies. Why cant I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates everyday business purposesinformation about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

HPF does not presently have affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

HPF does not share information with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include members of our network of HUD-approved housing counseling agencies. See Other important information for details.

Page 3 Other important information

Network HUD-Approved Housing Counseling Agencies The Homeownership Preservation Foundation network of HUD-approved housing counseling agencies includes CredAbility, Consumer Credit Counseling Service of Greater Dallas, Inc., Consumer Credit Counseling Service of San Francisco, Garden State Consumer Credit Counseling, Inc. d/b/a Novadebt, GreenPath, Inc., Money Management International, Inc., Springboard Nonprofit Consumer Credit Management, Inc., and Take Charge America, Inc. This privacy notice only pertains to the housing counseling services provided to you by us. Members of our network of HUD-approved housing counseling agencies may provide other services that are not subject to this privacy notice. Ask them for details.