To Whom It May Concern:

Skylight Financial^® recognizes the need to deploy strategic controls within and around its information systems to prevent unauthorized access and to protect customer privacy of information and the integrity of its data. Skylight Financial has deployed the BorderShield suite of security services to accomplish these objectives.

The BorderShield Seal represents that Skylight Financial has established an effective defensive perimeter mitigating the threats of unauthorized access to systems from the Internet. In addition to a defensive perimeter using state of the art technology being deployed, Skylight Financial has also established proactive measures to further defend itself, its customers and its business partners from malicious activity common to the Internet.

A BorderShield Internet Security Assessment is performed on a quarterly basis to verify that none of the more than 1200 known system vulnerabilities, security weaknesses and methods of attack would be effective strategies for gaining unauthorized access or interrupting service to Skylight Financial's corporate networks. Any security exposures identified by these tests are quickly repaired or patched to eliminate the risks.

As an additional step to secure company data and customer privacy, Skylight Financial's Internet access point is being monitored by BoderShield's Security Operations Center on a 24x7 basis. All network traffic is analyzed for suspicious and malicious behavior and any anomalies are investigated by security engineers. A detailed incident response procedure is utilized to resolve any security events that are encountered on the system.

In summary, Skylight Financial takes seriously its corporate responsibility to protect itself and its business partner's systems from unauthorized access, interruption of service and other security threats common on the Internet. The deployment of the BorderShield security Suite helps fulfill Management's commitment to secure its system environment and meet its corporate responsibility to protecting this information from malicious users and unauthorized access. We are confident that the steps described in this document significantly mitigate the risks posed by Internet connectivity utilized by the organization.

Sincerely,
The BorderShield Security Team
www.bordershield.com