Privacy Policy for

Maidu Financial

Effective 5/1/07

Maidu Financial is Committed to Safeguarding Customer Information

In order to better serve your needs now and in the future, we may collect or ask you to provide us with certain information. We understand that you may be concerned about what we will do with such information particularly any personal or financial information. We agree that you have a right to know how we will utilize the personal information we collect and/or you provide to us. Therefore, we have adopted this Privacy Policy to govern the use and handling of your personal information.

Applicability

This Privacy Policy governs our use of the information which we collect and/or you provide to us. It does not govern the manner in which we may use information we have obtained from any other source, such as information obtained from a public record or from another person or entity.

Types of Information

Depending upon which of our services you are utilizing, the types of nonpublic personal information that we may collect include:

· Information we receive from you on applications, forms and in other communications to us, whether in writing, in person, by telephone, over the Internet or by any other means;

Information about your transactions, agreements, contracts, disclosures and all related Real Estate documents with us, our affiliated companies, or others; and

Information we receive from a consumer reporting agency.

Use of Information

We collect and/or request information from you for our own legitimate business purposes and not for the benefit of any nonaffiliated party. Therefore, we will not release your information to nonaffiliated parties except: (1) as necessary for us to provide the product or service you have requested of us; or (2) as permitted by law. We may, however, store such information indefinitely, including the period after which any client relationship has ceased. Such information may be used for any internal purpose, such as quality control efforts or customer analysis. We may also provide all of the types of nonpublic personal information listed above to one or more of affiliated companies. Such affiliated companies include financial service providers, such as title insurers, property and casualty insurers, and trust and investment advisory companies, or companies involved in real estate services, such as appraisal companies, home warranty companies, and escrow companies. Furthermore, we may also provide all the information we collect, as described above, to companies that perform marketing services on our behalf, on behalf of our affiliated companies, or to other financial institutions with which we or our affiliated companies have joint marketing agreements.

Former Clients, Perspective Clients, Website and/or Information line Visitors

Even if you are no longer a client, perspective client, website and/or Information line visitor our Privacy Policy will continue to apply to you.

Confidentiality and Security

We will use our best efforts to ensure that no unauthorized parties have access to any of your information. We restrict access to nonpublic personal information about you to those individuals and entities who need to know that information to provide products or services to you. We will use our best efforts to train and oversee our employees and agents to ensure that your information will be handled responsibly and in accordance with this Privacy Policy and Maidu Financials Information values. We currently maintain physical and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Websites and Information lines

Maidu Financial has created this Privacy Policy to demonstrate our firm commitment to privacy and so that you, as a visitor to MAIDUFINANCIAL.COM Websites and/or Information lines will be aware of the uses made of information that may be generated and collected as a result of you using these services.

What information is generated when you visit MAIDUFINANCIAL.COM Websites or our Information lines?

Our Websites and Information lines utilize Call-Capture and/or Data-Capture technology which automatically give us information about you, such as the phone number you are calling from, your internet connection route and/or other personal information about you or the persons phone or computer you use to access these services. Depending on how you use our Websites or Information lines, certain types of personal and non-personal information may be generated and collected. For example, you may give us your name or e-mail address when you complete a registration screen, press a key on your phone, respond to a question or submit an e-mail to us. Any personal information that we collect or you provide to us will be used by us primarily to fulfill the stated objective for which the information was requested or collected.

Another type of information that may be generated and collected when you use our Websites or Information lines is information that we consider non-personal in nature. For example we may collect the name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account); the date and time you access our Websites or Information lines and the Internet address of the Website from which you linked directly to our site. We use this information to measure the number of visitors to our Websites and Information lines and to help us make our Websites and Information lines more useful to visitors.

Use of Cookies

What is a cookie? A cookie is a data file that is created and stored on your computers hard drive when you visit a website. The typical purpose of a cookie is to make your use of the website easier and more convenient and to assist the website in tracking your use of the site. For example, a cookie may save the registration information, passwords, purchases or preferences that you create when using a website so you dont have to re-enter this information. Cookies may also tell the website which areas of the site are popular and which areas are not. Cookie technology is used by most major websites and is considered an industry standard for the Internet.

Our Websites may use cookie technology to verify user information. (Please see the section titled Advertisements for more information concerning advertisers.). Also, most Internet browsers are initially set to accept cookies. If you prefer, you may set your browser so that it refuses cookies or alerts you when cookies are being created on your hard drive. You should be aware though that by not accepting cookies, you may impair your ability to use certain areas or password protected areas of websites.

Contacting us and giving us your personal information

Like most sites on the Internet, our Websites contain features that allow you to contact us with your comments, questions or to request information from us. To use these features, there are icons on our Websites which you can click onto. When you do click these icons, a screen will prompt you to provide us with certain information, such as your first and last name, email address, phone and fax number and your address, including your city and state.

The information collected through these features is used to investigate and respond to your inquiries. If you are a client, prospective client, website and/or Information line visitor we may also use the information you provide to update our clients, prospective clients, website and/or Information line visitors records.

Links to Other Sites

In many areas of our Websites, we have included links to other Internet sites which we feel add to or improve the quality of our Websites. While we hope you find these links helpful, we cannot assume responsibility for the privacy practices or the content of any linked site. Therefore, we encourage you to investigate and determine the privacy policy and practices of any linked site prior to providing information to the linked site.

Surveys

We may from time to time create and use surveys on our Websites and Information lines. Most surveys are simple click box or Press a Key surveys where you click a box on the screen or press a number on the phone to indicate your response. However, we may from time to time ask you for your name, email address or demographic information. If a survey does ask you this information, we will use the information to complete the survey, compile statistics and update clients, prospective clients, website and/or Information line visitor records.

Contests

We may from time to time run contests on our Websites and/ or Information lines. If our contests require you to provide personal or demographic information, we will use this information primarily to complete the contest and update clients, prospective clients, website and/or Information line visitor records.

Required by Law

We may disclose information provided by you if we are legally required to do so, such as by court order or subpoena.

Security

WE DO NOT utilize secured Measures OR SERVICES on our websiteS or INFORMATION LINES! If you are concerned about the security of the Internet, our websites or our Information lines; we suggest that you DO NOT provide us with any information thru these services.

Do-not-call requests

Maidu Financial has established and implemented a written policy and procedures for maintaining a do‑not‑call list. It is our company’s intent to honor anyone’s do‑not‑call request in a systematic and timely manner. It is also our intent to fully comply with any and all applicable do‑not‑call rules as a matter of course in our routine business practices. These rules are generally set forth at sections 64.1200 et seq. of Title 47 of the Code of Federal Regulations pertaining to the Telephone Consumer Protection Act of 1991.

Other Products and Services

Although we generally collect and use information to fulfill the stated objective for which the information was requested or collected, we may also provide the information to our subsidiaries so that they may send you information regarding other products or services that may be valuable or interesting to you.

Children's Guidelines

Our Websites and Information lines do not currently attempt to collect or solicit information from persons who are under the age of eighteen. However, given the anonymous nature of the Internet and phone systems, it is possible that someone under the age of eighteen may access our Websites and/or Information Lines and provide us with personal information. If this situation occurs and it is brought to our attention, we will not use the information in any way without prior parental consent and we will take all reasonable steps to prevent it from occurring again.

Changes to Privacy Policy Statement

With the ever-changing environment of the business world and technology and to maintain our ability to improve the quality and safety of our services, we reserve the right to change this Privacy Policy at any time. In the event we make any material changes to our Privacy Policy, we will notify you by updating the Policys Effective Date and indicating the previous effective date on our website. As you use our Websites, we encourage you to periodically check back with this Privacy Policy for changes that we may make. Your continued use of our Websites and/or Information lines will constitute your agreement to any changes we make and if you do not agree with a change, please refrain from using these services.

Client, Prospective Client, Website and/or Information line Visitors Information

MAIDU FINANCIAL has created this Client, prospective client, Website and/or Information line visitor Information Privacy Policy to demonstrate its firm commitment to the privacy of clients, prospective clients, website and/or Information line visitors information and so that you, as a client, prospective client, website and/or Information visitor of MAIDU FINANCIAL, will be aware of the uses made of your clients, prospective clients, website and/or Information line visitors information by MAIDU FINANCIAL

1. Confidential Information. In general, all client, prospective client, website and/or Information line visitor information provided to MAIDU FINANCIAL by its clients, prospective clients, website and/or Information line visitors is treated as confidential and MAIDU FINANCIAL uses its best efforts to keep such information confidential and prevent unauthorized use.

2. Clients, prospective clients, website and/or Information line visitors Communications. From time to time, MAIDU FINANCIAL will use your preferred contact information to send you regular and special communications and publications. For example, clients, prospective clients, website and/or Information line visitors of MAIDU FINANCIAL may receive property information and we will need to access and use your preferred mailing address and/or Email address to send you this information. Preferred contact information as used in this section and the remainder of this privacy policy is the information pertaining to your name, email address, mailing address, telephone and facsimile numbers which you indicate as your contact information to receive communications. For example, you may have indicated your business address as your preferred mailing address and your home telephone number as your preferred telephone number.

3. Clients, prospective clients, website and/or Information line visitors Requests. From time to time, you may contact MAIDU FINANCIAL and make requests. In order to respond to your request, we may need to access and use your clients, prospective clients, website and/or Information line visitors information. For example, we may need to access your mailing address to send you the information you requested.

4. Request from the Public. If the public contacts MAIDU FINANCIAL and requests information regarding one of our clients, prospective clients, website and/or information line visitors we may check our clients, prospective clients, website and/or Information line visitors database and verify to the public whether the person(s) is in fact a client, prospective client, website and/or Information line visitor of MAIDU FINANCIAL We may also provide the public with the name and telephone number of the firm that the client, prospective client, website and/or Information line visitor is affiliated with, however, in no event will we provide personal information to the public, such as your home address and telephone number, unless required by a subpoena, search warrant or other legal process or in the case of imminent physical harm to the public or other clients, prospective clients, website and/or Information line visitors.

5. Listservs. From time to time, MAIDU FINANCIAL may create and maintain a listserv for a particular topic or subject of interest to its clients, prospective clients, website and/or Information line visitors. A listserv is a program that sends emails to the addresses on the listservs list. If you provided your email address to MAIDU FINANCIAL, your email address may be used on a listserv. In other situations, the listserv may only be available if you affirmatively sign up to participate. In any event, if you decide you do not want to participate in a particular listserv you may to opt out of the service. To be removed from this service please feel free to email us at Service@MaiduFinancial.com or write us at 543 G St. Lincoln, CA 95648 , Attn: MAIDU FINANCIAL, Service Dept.

6. Choice/Opt Out. MAIDU FINANCIAL recognizes the importance of your privacy. If you do not want your client, prospective client, website and/or Information line visitor information displayed or used in one or more of the manners described above, please read the following instructions: (Please note that due to the nature of financial and related transactions, disclosures, contracts and/or agreements we may not be able to fully grant your request.)

To opt out of having your contact information included in our database please email us at: Service@MaiduFinancial.com or write us at: 543 G St. Lincoln, CA 95648, Attn: MAIDU FINANCIAL Service Dept. Please be sure to specify in your email or writing that you want to be removed from the database of MAIDU FINANCIAL To insure your request is processed timely and accurately, please provide the following information with your request: first name, last name and telephone number. MAIDU FINANCIAL will process your request as quickly as possible; however, your information may continue to remain in our database until the request is ultimately processed. MAIDU FINANCIAL apologizes in advance for any inconveniences this may cause.

To opt out of having your preferred contact information provided to third parties, please email us at: Service@MaiduFinancial.com or write us at: 543 G St. Lincoln, CA 95648, Attn: MAIDU FINANCIAL Service Dept. To insure your request is processed timely and accurately, please provide the following information with your request: first name, last name and telephone number. MAIDU FINANCIAL will process your request as quickly as possible; however, you may continue to receive third party communications until the request is ultimately processed. MAIDU FINANCIAL apologizes in advance for any inconveniences this may cause.

7. Corrections/Updates. If there is client, prospective client, website and/or Information line visitor and/or property information which needs to be corrected or updated, please email us at Service@MaiduFinancial.com or write us at 543 G St. Lincoln, CA 95648, Attn: Service Dept.

8. Contacting MAIDU FINANCIAL If you have any questions about this Privacy Policy, please feel free to email us at Service@MaiduFinancial.com or write us at 543 G St. Lincoln, CA 95648 Attn: Service Dept.

9. Changes in This Policy. From time to time, MAIDU FINANCIAL may need to change this privacy policy to better meet the needs of its prospective clients, clients, website and/or Information line visitors. As such, we reserve the right to change this privacy policy at any time. Such changes may be made without prior notice so we encourage you to periodically check this privacy policy statement for changes that we may make. Changes to this policy will be effective when posted on MAIDUFINANCIAL.COM website unless determined otherwise by the MAIDU FINANCIAL Board of Directors.

Thank You!