Online Privacy Policy

Effective Date: July 1, 2008

This Online Privacy Statement describes globally how Wakefield and Associates collects and uses your personal information ("Information") that we obtain when you visit and/or use any of our Web sites.

INFORMATION WE COLLECT

Wakefield and Associates collects information about you from a variety of sources including those listed below.You consent to the collection, transfer and storage of this information by computers or other transfer or storage devices, including transfer and retention of your data outside of the country where you may have accessed the Web site. For specific practices please refer to the country's Privacy Statement.

We collect information you supply:(a) provided to us by Wakefield's Clients (b) when you submit information on applications or other forms to us or our Affiliates; or (c) when you otherwise submit information to use via our Website or other payment activity.

We collect information about your transactions with Wakefield and Associates, our clients or others. We collect Information about you from a variety of third-party sources such as our business customers, government agencies and consumer reporting agencies and other suppliers of public information, including information on the basis of mathematical statistical methods from varies sources in order to verify any of the information you provide in order to effect, administer and enforce transactions. We may collect Information about you from a variety of third-party sources such as our business clients, government agencies and consumer reporting agencies and other suppliers of information. We collect information about the domain and host from which you access the Internet; your computer's Internet address; the browser and operating system software you use; the date and time you access our Web site and the Internet address of the site from which you linked to our Web site when you visit us. We also collect information on your online activity as described in the paragraph below titled "INTERNET TECHNOLOGY."

INTERNET TECHNOLOGY

We use Internet technologies like cookies and Web beacons for a variety of purposes, including, but not limited to, those identified below:

- To assist us in providing services to you;

- To allow you to change Web pages during your visit without having to re-enter your password;

- To temporarily track activity on our Website;

- To determine whether you came to our Website from a banner ad or an Affiliate Web site; or

- To deliver information specific to your interests on additional Websites.

A "cookie" is a text file placed on your computer's hard drive by a Web site. Your Web browser uses it to guide you to sites based on your interest. "Web beacons" are transparent electronic images placed in the Web code that collect non-personal data while visiting a Web site. Cookies and Web beacons can usually be disabled by changing your browser preferences. This will limit the performance of Wakefield and Associates's Web site on the computer you are using. Your browser usually has documentation on how to disable cookies and Web beacons.

INFORMATION WE DISCLOSE

Subject to your consent or as otherwise permitted by law, we may disclose the information we collect in the paragraphs titled, "INFORMATION WE COLLECT" and "INTERNET TECHNOLOGY" to our Affiliates and to unaffiliated third parties as described below.
We may disclose information with Wakefield and Associates Affiliates within or outside of country when the data was collected to effect, administer and complete transactioincluding:
- We may disclose information with Wakefield and Associates withinor outside of the country when the data was collected to effect, administer and complete transactions including:

Those working within Wakefield and Associates and clients that use our services;
Banks, credit card companies, brokerage houses, mortgage lenders and mortgage originators;
Government agencies; as permitted or required by law; and,
Legal, regulatory, security, government and processing organizations applicable to us or our Affiliates or service provider.

- We may disclose information about current and former consumers to thefollowing types of third parties, which are subject to your consent such as:

Non-financial companies such as retailers, and other providers of goods and services;
Advertising and direct marketing companies; and,
Other financial institutions with which we have joint marketing arrangements.

CONFIDENTIALITY AND SECURITY

We endeavor to maintain physical, electrical and procedural safeguards that comply with applicable government regulations to guard your information. We also endeavor to restrict information access to our employees, agents, clients and representatives that need to know it. Despite our efforts, and as you probably know, third parties may unlawfully intercept or access transmissions sent to us or may wrongly instruct you to disclose information to them while posing as Wakefield and Associates.

PERSONAL CHOICE

To better serve you and provide communications regarding new services or promotions, you will need to instruct Wakefield and Associates on your choice regarding disclosure. Your choice may be for disclosures of information to our Affiliates only, or to disclose your information to nonaffiliated third parties as well as our Affiliates. Your choice can be submitted to us during the registration or transaction process or you can contact us using the information provided in the "Contact Us" section below.

Some disclosures are not subject to your consent. These include, among others, disclosures necessary to effect, administer or enforce a transaction you request; disclosures to our authorized service providers (including Wakefield and Associates Agents); disclosures: i) as permitted or required by law; ii) for public safety; iii) to prevent fraud; or iv) in connection with other illegal activities.

Wakefield and Associates maintains your choice and transaction history based on our record retention policies. If you do not perform another transaction within the retention time period, your information, as well as your choice will be removed.

ACCURACY OF INFORMATION

We permit consumers, if possible, to dispute or correct any erroneous or out-of-date information. We reserve the right to independently verify claims made.
To protect your privacy, we also will take reasonable steps to verify your identity before making corrections. Where permitted by law, we reserve the right to assess a service charge for providing you any information in connection with
your request.

EXTERNAL WEB SITES

Wakefield and Associates's Web site may be linked to or from client or third party Web sites. Wakefield and Associates is not responsible for the content or privacy practices employed by Web sites that are linked to or from our Web site.

CHANGES

Wakefield and Associates reserves the right to modify this Privacy Statement. Updated Privacy Statements will be posted at this Web site when amendments occur. We urge you to review this Privacy Statement when you visit to obtain the most current statement. You may change your choices at any time.

This Online Privacy Statement was last amended on July 1, 2008.

CONTACT US

Please contact us by email phone if you have questions about our privacy practices or information we maintain about you. We also accept questions by regular mail and by telephone at the locations identified below or
as posted on your local country's Privacy Statement:

BY MAIL:

Wakefield and Associates
P.O. Box 50250
Knoxville, TN 37950

BY TELEPHONE:
800-939-1994