Our Privacy Policy

LEX Edge is committed to maintaining the privacy of your personal information and that of the organization you represent. This privacy policy describes how we collect, protect and use the information you provide during a visit on our web site. We do not collect, store or use information obtained through the LEX Edge web site, except as described below, or as permitted or required by law:

Information We Collect and Store When You Visit Our Web Site

LEX Edge automatically collects and stores information about your internet connection when you visit our web site. This information includes the following:

• The date and time you access our site
• Your Log-in information
• The pages you visit
• Any listings viewed - of loans posted for sale
• If you linked to the LEX Edge site from another web site, the address of that web site
• The type of browser used to access our site
• The IP (Internet Protocol) address from which you access our site

Information We Collect and Store When You Subscribe With Us

We may collect certain information about your organization when you subscribe or become a member and user of LEX Edge. This information includes:

• The name, address and phone number of your organization (bank or mortgage company)
• Your Respondent Number (The number assigned to your organization by the federal government for HMDA reporting identification purposes)
• A contact name and their contact information (phone number and e-mail address)
• For Sellers of loans - Information regarding the loans submitted for sale, including:

• For Buyers – Information regarding loans sought for purchase, including:

How We Use The Information We Collect

In order to subscribe to LEX Edge, you will complete an application or other form, from our web site. In connection with your subscription, we may ask for a variety of information to help communicate with you, and to facilitate purchase and sale transactions that arise as a result of LEX Edge membership. Additionally, we may also obtain other information about you, for example, your credit report. This information is used to determine your eligibility for our products and services.

Use of Cookies or Other Online Technologies to Collect Information

LEX Edge uses “cookie” technology on its web site, to measure site activity and to customize information to better meet your needs. A cookie is an element of data that a web site can send to your browser, which may then store the cookie on your hard drive. So, when you come back to visit us again, we can tailor information to suit your individual preferences. The goal is to save you time and provide you with a more meaningful visit.

When you visit the LEX Edge web site, we may collect and store information about your visit on an anonymous aggregate basis. We use this information to measure site activity and to develop ideas for improving our web site. This information may include:

• The date and time you access our web site
• The length of your visit
• The web pages you view on our web site
• The type of browser used to access our site
• The IP (Internet Protocol) address from which you access our site

Sharing of Information About You or Your Organization

We do not disclose information about you or your organization to anyone without your explicit consent, unless permitted or required by law. We do not sell information about you or your organization to anyone. Additionally, any company with which we do business, including all of our subscribers, is contractually required to comply with our confidentiality standards.

Accessing, Reviewing, or Changing Information We Collect

At LEX Edge, we are committed to maintaining accurate and up-to-date information on all of our subscribers. We may provide you with access to account information in a variety of ways, for example, on-line, by telephone, fax or mail.

If you are a current LEX Edge subscriber, and have registered for online access through our web site, you may be able to update information such as your address, telephone number, contact person, e-mail address, user name and password.

If you have been unable to make changes to the information you have provided to us online, you may contact us in order to do so.

How Your Information is Protected

LEX Edge restricts access to the information obtained from our web site to our employees, agents and contractors. We maintain physical, electronic and procedural safeguards designed to protect your information and that of your organization.

Questions About This Privacy Policy

Changes to This Privacy Policy

This statement is effective January 1, 2005, and remains in effect until amended. LEX Edge reserves the right to amend this Privacy Policy or alter its privacy principles at its sole discretion without notice. Any alterations to this Privacy Policy or our privacy principles will be posted on our web site in a timely manner.