INTRODUCTION
Equiant Financial Services Inc. is concerned about the privacy rights of visitors to its Web sites ("Site") and the security of their data. Accordingly, we have adopted this Privacy and Security Doctrine ("Statement") for this Site to ensure responsible use of the information you share with Equiant (the term "Equiant" includes Equiant Financial Services Inc., and all of its affiliated companies). Equiant may at any time revise this Statement by updating the Site. You are bound by any such revisions and should therefore periodically visit this page to review the then current Statement.

"Personal Data" is personal and/or confidential information that relates to you and your account, agreement, or contract with Equiant.

"Communications" are any non-confidential and non-proprietary communications information, except for Personal Data, that you transmit to the Site by electronic mail or otherwise, including data, questions, comments and/or suggestions.

"Personal Information" is any Communication where you knowingly enter your personal information such as your name, address, social security number, or telephone number.

"Non-Personal Information" is any Communication derived from your connection to the Site, such as your Internet browser, domain name and referrer link.

All Communications, except for Personal Data, will be treated as non-confidential and non-proprietary, will become the property of Equiant and may be used for purposes described herein.

WHAT INFORMATION IS COLLECTED
In general, you can visit the Site while remaining anonymous by not providing any Personal Information. In some cases, non-personal information may be automatically collected, such as your Internet Browser, computer operating system, domain name of your Internet service provider, and/or the Web site from which you linked to our Site.

Personal information about you (e.g., your name, address, telephone number, social security number, and/or email address) will not be collected unless you provide it to us voluntarily. For example, Equiant retains e-mail addresses of visitors who respond the Site's e-mail forms, online forms, registration forms, and surveys. Equiant also retains information about the frequency of Site visits, length of time of the visit, and aggregate information on which Site page visitors access.

Equiant sends all Internet visitors "Cookies". A Cookie is a small data file sent by the Site to your browser, which may then be stored on your hard drive. Equiant's cookie enables the Site to recognize you if you have a Equiant account or have utilized certain Site features. In addition, the Cookie may recall information so that you do not have to re-submit it, and also automatically update Site information. If available, you may program your browser software to notify you of attempts to send cookies and/or you may decline or delete them.

When you perform a search with Equiant's search engine, Equiant presently does not record information identifying you or linking you to the search performed. As necessary to provide service, Equiant does record limited information for every search request and uses that information only to solve technical problems with the Site, to calculate overall usage statistics, and to improve the structure and content of the Site.

Equiant will primarily use Communications to respond to your request(s). Equiant may use Personal Information for editorial and feedback purposes, marketing and promotional purposes, reproduction, disclosure, transmission, publication, broadcast or posting, and for a statistical analysis of users' behavior. Furthermore, Equiant retains the right to use ideas, concepts, know-how, or techniques contained in any Communications you send to the Site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. Non-personal Information may be aggregated for internal review and used to improve the Site's content and its structure.

Equiant does not distribute Personal Data or Communications to third parties. Equiant will not voluntarily share, rent, sell or otherwise disclose information obtained from visitors to the Site (whether Personal Data or Communications) to third parties, except to the extent appropriate for your communication. For example, it is necessary to use personal data in connection with loan or employment applications.

When you choose not to provide Personal Information. When you choose not to provide a personally identifiable Communication, we may not be able to respond to your request. You may receive an error message displayed on your browser. Further, visitors to the Site have the ability and right to exit and not continue to remain in a session if they do not agree with the Privacy and Security Doctrine.

INFORMATION SHARED WITH Equiant Equiant will take commercially reasonable steps to protect information you share with us. Whenever you provide the Site with Personal Data, Equiant will take commercially reasonable steps to establish a secure connection by requiring the use of a Netscape Navigator or Microsoft Internet Explorer browser that supports 128-bit encryption. Further, unencrypted, sensitive data is not stored on Equiant Internet servers or in its cookies.

THE SITE CONTAINS SECURED AND NON SECURED SECTIONS. INHERENT IN THE USE OF THE INTERNET AND INTERNET-RELATED TECHNOLOGIES IS SOME RISK OF DISCLOSURE OF INFORMATION, INCLUDING WITHOUT LIMITATION, PERSONAL DATA YOU SUPPLY. YOUR USE OF THE SITE AND YOUR ENTRY OF INFORMATION IS AT YOU OWN RISK. EQUIANT CANNOT ACCEPT RESPONSIBILITY AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR DAMAGE OR INJURY THAT YOU MAY INCUR OR THAT MAY RESULT FROM YOUR USE OF THE SITE OR THE INTERCEPTION OF INFORMATION YOU PROVIDE, INCLUDING WITHOUT LIMITATION, PERSONAL DATA, BY A THIRD PARTY.

LIMITATION OF LIABILITY THE SITE AND ITS CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. Equiant DOES NOT WARRANT THAT USE OF THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT EITHER THE SITE OR THE SERVER THAT MAKES IT AVAILABLE TO YOU IS FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. Equiant DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT Equiant) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION RELATED TO ANY DAMAGE, HARM, INJURY OR MALFUNCTION ASSOCIATED WITH YOUR USE OF THE SITE AND/OR ITS CONTENTS.

Under no circumstances, including but not limited to negligence by act or omission, shall Equiant or any party involved in creating, producing, or delivering the Site, be liable for any direct, incidental, consequential, indirect or punitive damages that result from the use of, or the inability to use the materials on the Site, even if Equiant or a representative authorized by Equiant has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event, however, shall Equiant's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing the Site.

LINKS TO THIRD PARTY WEB SITES If you use any links provided in the Site to Web sites not owned, maintained nor hosted by Equiant ("Off-sites"), you will leave the Site. Equiant is not responsible for any Off-site's actions, content, privacy policies or terms of use. No judgment or warranty is made with respect to the accuracy, timeliness, or suitability of the content of any Off-Sites, and Equiant takes no responsibility for such sites. A link to a service or Web site outside of the Site is not an endorsement of the service or the Web site, its content, or its sponsoring organization.

USE OF THE SITE The Site is owned and operated by Equiant. No materials found on the Site or any other site owned, operated, or licensed by Equiant may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. You may not distribute, modify, transmit, reuse, repost or use the content of the Site for public or commercial purposes, including the text, images, audio, or video without Equiant's prior written permission. Equiant neither warrants nor represents that your use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with Equiant.

TRADEMARKS, SERVICE MARKS AND COPYRIGHTS Unless otherwise specifically noted, images, trademarks, service marks, logos and icons displayed on the Site are the property of Equiant and may not be used without Equiant's prior written consent. Any unauthorized use of the images may violate copyright laws, trademark laws, privacy and publicity laws and communications regulations and statutes.

Effective Date: 01/01/2004