CONSUMER PRIVACY ALERT

Countrywide has become aware that personal information about some of our mortgage customers may have been sold without authorization to a third party. We deeply regret this incident and apologize for any inconvenience or concern it may cause our customers. We take our responsibility to safeguard personal and account information very seriously and will not tolerate any actions that compromise the privacy or security of our customers' information.

Customers, whose information has been exposed, will be notified directly by mail of the steps we are taking and what they can do to protect themselves. Any customer who has received a notification letter from Countrywide is encouraged to enroll in the complimentary two-year credit monitoring product offered in the letter.

Please review the following for answers to frequently asked questions:

Questions and Answers
Q. I received a notification letter and would like Countrywide to provide credit monitoring to the co-borrower on my loan and whose personal information was included on our loan application. Can you assist me?
A. Customers whose information may have been sold will be notified directly by mail of the steps we are taking and what they can do to protect themselves. The loan information that may have been involved did not include copies of complete loan files or applications, but instead were portions of data from these sources. Therefore, our investigation and notification process has been based on the individual, not the loan. In some cases, only one borrower on a co-signed loan may have had their information exposed. If joint borrowers on a loan were impacted, then each individual will receive a separate letter and offer of credit monitoring. Letters may arrive at different times, and a co-borrower may receive notification at a later date.

Q. If I have not received a letter, should I call to find out if my data may have been compromised as well?
A. No. If we determine that additional customers may be at risk, we will contact those customers promptly and offer them two years of the free credit-monitoring product and other assistance.

Q. What information may have been provided to the third parties?
A. Information may have included name, address, Social Security number, loan account number, and various other loan and application information.

Q. What is considered "various other loan and application information?"
A. This could include contact information - such as phone number and email address - and application and loan information - such as a notified customer's income information, monthly debt, employment information, credit score, interest rate, and loan amount and balance.

Q. What can I do to reduce the risk of identity theft?
A. Customers should take some or all of these precautionary measures:

Completely destroy or shred all papers with personal information before throwing them out. Be careful who you give your information to over the phone. Never give out your Personal Identification Number (PIN) or passwords. Report lost or stolen credit cards, checks or identification immediately. Shop online only with reputable merchants in secured areas. Never write your Social Security Number or driver's license number on your checks. Never leave your mail in an unsecured mailbox.

Q. What should I do if I become a victim of identify theft or fraud?

Contact the three nationwide credit bureaus listed below. Ask them to send you a copy of your credit report and instruct them to place a fraud alert on your record. The three nationwide consumer reporting companies have toll-free numbers for placing a fraud alert; a call to one company is sufficient. Equifax Information Service, LLC. P.O. Box 105069 Atlanta, GA 30348 1-800-525-6285 www.equifax.com Experian P.O. Box 9554 Allen, TX 75013 1-888-397-3742 www.experian.com TransUnion Fraud Victim Assistance Division P.O. Box 6790 Fullerton, CA 92834-6790 1-800-680-7289 www.transunion.com Placing a fraud alert entitles you to a free copy of your credit report from each of the three nationwide consumer reporting companies. Look for inquiries from companies you haven't contacted, accounts you didn't open, and debts on your accounts that you can't explain. Close accounts that have been tampered with or opened fraudulently. Ask the issuer to promptly clear your credit record. Call your local police or sheriff's department to file a police report and remember to get a copy of the report. Your creditors may require it for documentation. Plus, a police report will help you get information from creditors about fraudulent accounts. File a complaint with the Federal Trade Commission at ftc.gov/idtheft or call 1-877-ID-THEFT (438-4338). Reporting your complaint can help law enforcement officials across the country with their investigations. To learn more about ID theft and how to deter, detect and defend against it, visit ftc.gov/idtheft.