Life and Loan privacy policy for consumers
Keeping your financial information secure is one of our most important responsibilities

Life and Loan online practices privacy policies
Read about how we manage the privacy and security of your personal and Loan information online.

Summary of the Online Practices Privacy Policy
The Online Practices Privacy Policy explains how we may collect information from you online when you visit Life and Loan Web site. The Online Practices Privacy Policy, effective as of Nov 1, 2006, is for general guidance and subject to change. Please review periodically. Customer information means personally identifiable information about a consumer or a consumer's current or former customer relationship with Life and Loan.

Browsing our site
You can browse our sites anonymously by choosing not to provide us with any personally identifiable information, such as your name or e-mail address, during your visits to our sites. When you browse this way, we won't be able to link your online activity with the accounts you have with us.

Browsing anonymously after you've identified yourself involves setting your browser to disable cookies and similar files or by deleting the cookies and similar files that you have accepted from us. To do this, you'll need to follow your browser's instructions for disabling cookies or deleting cookies. Please note that the use of certain online products, such as Online Banking, do require the acceptance of cookies or similar files.

Cookies and Similar Files
In all cases, cookies and similar files that we place on your computer do not contain any personal information unless encrypted, and we never use cookies or other files to track your use of other web sites. We may place cookies or similar files on your hard drive for security purposes, to facilitate site navigation, and to personalize your experience while visiting our site. Our cookies do not identify you as an individual or by account number.

If you do not accept these cookies or similar files, you may experience some inconvenience in your use of some online products. For example, for Online Banking we will not be able to recognize your computer and you will need to answer a challenge question each time you log on.

Cookies are pieces of information stored directly on the computer you are using. Life and Loan uses cookies in two ways:

• Web Browsing Cookies : Cookies used for Web Browsing can contain a variety of information, such as a simple count of how often you visit a Web site or information that allows customization of a Web site for your use. Life and Loan uses cookies to display information more effectively to you and to gather data about the usage of our Web site. Cookies allow us to collect technical and navigational information such as browser type, time spent on our site, and the pages visited. They do not contain or capture customer specific data. We may also use cookies in online advertising to track consumer responses to advertisement. This provides us the capability to monitor the use of our site so we can continually improve the design and functionality to better serve you.

• Similar Files : Some web sites use technologies similar to cookies to store information. For example, Life and Loan also uses files called Flash Objects in connection with Online Banking. This is used to help assure security as part of our SiteKey service. As with cookies, we never store personal information unless encrypted, and we never use to track your use of other web sites.

Collecting information
When you visit our website, we may collect the following information in order to service your accounts, save you time and money, and better respond to your needs:

• Application information. Information that you provide to us online in applications and other forms. Examples include your assets, income and debt.
• Identification Information. Information that identifies you such as name, address, telephone number and e-mail adress.

Changes to the Online Practices Privacy Policy
If we make changes to the Online Practices Privacy Policy or make any material changes to our online services, we will revise the Online Practices Privacy Policy to reflect such changes and revise the policy's effective date.