Effective July 14, 2007

This document sets forth the Chatham Financial Corporation Online Terms of Use (the "Terms of Use") for this Web Site, www.chathamfinancial.com (the "Site").

• Protecting Your Privacy
• Data we gather when you browse this site
• This "Site" uses cookies to customize your browsing experience
• Data you provide or receive is exchanged via secured channels

Protecting Your Privacy

Because we do recognize that protecting the privacy of the information provided as you browse this "Site" is a fundamental responsibility which we have to our clients and potential clients, we think it is important for you to understand when and why we collect personally identifiable information and how we may use it.

As a rule, we gather information from users of Chatham Financial web services, with the sole intention to offer hedging and interest risk management reports and services on par with the level of excellence our web clients have come to rely on. We therefore collect only such information which ensure that your access to your secured suite of web services is both efficient and finely customized to your specific preferences. None of the data collected is shared with a third-party.

Data we gather when you browse this site

When you visit this "Site", we gather the following information:

• your remote IP (Internet address)
• the type of browser you used
• the date and time of your visit
• the link or URL you may have used to access our site.
• your login name which is stored as a cookie on your machine ( and lasts no longer than one month) to expedite your login process the next time you access your Chatham Web services.

NOTE: Your password is NOT collected. This "Site" provides your browser a secure communication channel which allows your password to be communicated in a safe manner.
We use collected information to:

• customize your experience and streamline the body of information accessible to you when you browse this "Site"
• document and respond to any technical difficulties you may experience while navigating this "Site"
• help us provide you with online reports designed to conform to your specific proprietary business needs.

This "Site" uses cookies to customize your browsing experience

When you access the authenticated parts of this web site, this "Site" stores your login name as a cookie on your machine. A cookie is a very small lightweight file either stored on your machine or simply written to your browser memory. If stored in your browser memory, the cookie is only remembered until you close your browser. Information stored as a "cookie" is therefore either short-lived on your machine ( or lasts until you close your browser). If stored on your machine, it is set to last till a certain date and time after which your machine automatically discards it. Cookies are safe standard industry-wide machine-readable files. They are NOT executable programs. Therefore they CANNOT do any harm to your machine or any files stored on your machine, and by design only limited in size to a few kilobytes.

Web services provided to you on this "Site" are significantly customized with the aid of short-lived session cookies to meet your specific business needs and although you may choose to disable your browser's ability to accept cookies, doing so significantly degrades the degree to which you are able to access the high quality web services, our clients have come to expect from Chatham Financial Corporation.

Data you provide or receive is exchanged via secured channels

All exchange of information between your machine and this "Site" are done in a tightly secured communication channel. When you provide information, it is sent through a "secure session" established with Secure Socket Layer (SSL). This technology protects your data while it is transferred over the Internet. Further, this "Site" and our entire systems of servers conform to the SAS 70 protocols, which guarantees that all data exchange is guarded with industry-standard security technologies to protect your information from access by others.

How You Can Access Or Correct Your Information

You can access or correct any personally identifiable information that we collect online and maintain via the information found on the Contact Us pages. We use this procedure to better safeguard your information.

Our Commitment To Children's Privacy

Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our website from those we actually know are under 13, and no part of our website is structured to attract anyone under 13.

BBB OnLine Privacy Program

Your privacy is important to us. By participating in the Council of Better Business Bureau’s BBBOnLine Privacy Program we have made a commitment to meet the program’s strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at www.bbbonline.org

All BBBOnLine Privacy Program participants are required to work with the program's dispute resolution process. The Privacy Program will only accept complaints regarding the misuse of personally identifiable information by a website operator. For more information about the Privacy Program dispute resolution process visit www.bbbonline.org/privacy/dr.asp