Privacy Statement

Penn Marketing Group, Inc. Policy

Our Consumer Privacy Policy is provided to help you understand how we protect your financial privacy. This Policy provides you with an opportunity to make informed choices about the management of personal information. Also, there are several convenient ways to obtain more information, including answers to commonly asked questions about privacy. You may call us toll-free at 1-866-3257366 or visit our one of PennFunding Services, Inc. two major websites: www.pfsimortgage.com or www.mortgage4all.com.

If you have already instructed us how to implement your choices under the our Privacy Policy, you do not need to contact us again. We will continue to honor the choices you have made.

Policy
Penn Marketing Group, Inc Policy on the Collection, Use, and Sharing of Personal Information.
PennFunding Services, Inc has one Privacy Policy for consumers that applies to all of the PennFunding Services, Inc family. One Privacy Policy makes it easy to understand and convenient for people to make informed choices about the management of personal information.

Information Covered by this Policy.
Our Policy applies to all personally identifiable financial information about you that is obtained by Penn Marketing Group, Inc in connection with providing a consumer financial product or service for personal, family, or household purposes ("personal information"). Our Policy will continue to cover information we may collect about you during the course of our relationship as well as after the relationship has ended.

How We Collect Personal Information.
We rely on many sources of information to understand and meet your needs. We collect personal information about you from:
your applications or in other ways when you visit us in person, over the phone, through the mail or through our websites;
your browser, when you visit our websites and your browser interacts with us;
consumer reporting agencies;
and other sources, in connection with providing you a financial product or service.

How We Keep Information Secure.
Information security is one of our highest priorities. This priority is emphasized by our internal employee Code of Conduct, this Privacy Policy, and the contracts and agreements that we sign with external suppliers and partners. Employees who violate our policies and procedures regarding privacy are subject to disciplinary action, and our partners and suppliers are bound to uphold our procedures regarding privacy under the terms of our legal contracts with them. We safeguard information by regularly assessing security standards and procedures to protect against unauthorized access to personal information.

We limit access to personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect your personal information.

Do you sell my information?
No. We do not permit list brokers, mail-order businesses, telemarketers, or other marketing firms to contact you to promote their services or products, and we do not sell, lend, or give out your information for this purpose. If you are a former customer, we maintain the confidentiality of your information as if you were still a customer.

Weblinks.
We are not responsible for the collection, use or security of information by companies or organizations that may be linked to our websites. Consumers are encouraged to read the privacy policies of websites reached through the use of links from Bank One websites.

Children’s Online Information Privacy.
We don’t knowingly collect, maintain, or use personal information from our websites about children under age 13. If a child whom we know to be under age 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent.

Our Security Statement
If you are transacting business with us over the Internet, we ensure the security of your information by:

• keeping our databases and our Web servers separate, and protecting each with an electronic and physical firewall;
• using Secure Sockets Layer (SSL) encryption technology to transmit confidential information between your browser and our Web servers; and
• participating in the ENTRUST™ program, which certifies all of our secure servers.

To use our Web sites securely, you’ll need an SSL-capable browser such as MS Internet Explorer 5.0 (or higher) or Netscape Navigator 4.7 (or higher). Performance with MSN TV cannot be guaranteed.

As of January 1, 2000, Netscape Communicator version 4.05 or earlier no longer supports SSL (it includes a root CA certificate that expired on December 31st, 1999). Please go to the address below to download Netscape Communicator 4.7 so you can proceed with a secure connection.

To download the latest version of MS Internet Explorer, please go to
http://www.microsoft.com/downloads.
To download the latest version of Netscape Communicator, please go to
http://www.netscape.com/computing/download/index.html.