George M. Cappello, Ltd's Privacy Polley:

Effective December 1, 2005

At George M. Cappello, Ltd., one of our most important responsibilities to you, our client, is the safekeeping of the nonpublic personal ("confidential") information you have entrusted to us and using this information in a rnsponsible manner. Appropriate use of the confidential information you provide us is also at the heart of our ability to provide you with exceptional personal service.

We are providing you with this important notice to inform you of how George M. Cappello, Ltd. uses and protects your confidential information. We encourage you to read and retain this notice, and to call or visit us if you have any questions. You do not have to respond to this notice in any way.

George M. Cappello, Ltd.'s pledge protects clients who have obtained legal services from us. This pledge also applies to former clients, and to clients who have provided confidential information to us but have not entered into an attorney-client relationship, for as long as information is retained.

The following is our continuing commitment to the responsible use and protection of your confidential information:

A. Collection, Use and Retention of Confidential Information

We limit the collection, use and retention of confidential information to what we believe is necessary to administer our business, to provide you with exceptional quality service and to comply with the Rules of Professional Responsibility which govern the practice of law by attorneys here in Rhode Island.

B. Information Collection

We may collect information about you from the following sources:

• information we receive for you on lender applications, forms, or other information that you provide to us-for example, your identification information, your income, where you work and the accounts you have with othP-r financial institutions; information we obtain at your request-for example, your fax number, cell phone number, mortgage payoffs, credit card payoffs or information that we need to complete a transaction that you authorized; information we receive from external sources, including from a consumer reporting agency-such as your creditworthiness, your employment verification, or your payment history; and
• information we may receive from others, including insurance, real estate records and telephone numbers.

C. Our Protection of Confidential Information

We will safeguard, according to prudent security standards, your confidential information. A fundamental element of safeguarding your confidential information is to provide protection against unauthorized access or use of this information, We maintain physical, electronic and procedural safeguards to guard your confidential information against unauthorized access or use, Our employees are limited in the access they have to information about you to what is reasonably necessary to complete their responsibilities and to complete a transaction that you authorized.

George M. Cappello, Ltd. will continue to enhance and maintain prudent security standards and procedures to protect against unauthorized access or use of your confidential information and records.

George M. Cappello, Ltd. encourages you to help us protect your information and to keep your information accurate. Please do not disclose your social security number, your account numbers, your access codes, or personal identification number (PIN) to your accounts to anyone with whom you are not familiar or would not trust with this information,

D. Sharing Information with Third Parties outside our Family of Companies

We will not share your confidential information with any company or third party except as required or permitted by law.