CONSUMER PRIVACY POLICY
HOLIDAY BEACH RESORT Phase II

Our Consumer Privacy Policy is provided to help you understand how we protect your financial privacy. This Policy is provided to you jointly by the Holiday Beach Resorts, Condominium Management Services, Inc. and any other companies listed at the end of this Policy. To obtain more information, you may call us at 1-850-479-7676, visit our website at www.condosinc.com or email us at Condosinc@aol.com.

Our Policy on the Collection, Use, and Sharing of Personal Information.
All of our related companies follow the same Privacy Policy for consumers.

Information Covered by this Policy.
Our Policy applies to all personally identifiable financial information about you that is obtained by Holiday Beach Resort in connection with providing a consumer product or service for personal or family purposes ("personal information"). Our Policy will continue to cover information we may collect about you during the course of our relationship as well as after the relationship has ended.

How We Collect Personal Information.
We rely on many sources of information to understand and meet your needs. We collect personal information about you from:

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Any application for credit that you may have completed during a financed purchase of a timeshare unit/week;
Other ways when you visit us in person, over the phone, through the mail or through our website;
Your transactions with any of the companies in the Holiday Beach Resort family;
Information obtained from consumer reporting agencies; and
Any other sources, in connection with providing you a financial product or service.

How We Keep Information Secure.
Information security is one of our highest priorities, as described in our internal employee Code of Conduct, this Policy, and the contracts and agreements that we sign with external suppliers and partners.

We limit access to personal information about you to those employees and agents who need to know the information to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to protect your personal information and we regularly review our security standards and procedures to protect against unauthorized access to personal information.

Information Sharing Within the Holiday Beach Resort Family
To provide you with the best possible service and products, we may share any of the personal information that we collect about you among companies within the Holiday Beach Resort family as permitted by law; however, no information will be shared with sources outside of the Holiday Beach Resort Family.

The Fair Credit Reporting Act gives you the opportunity to limit the sharing of "non-experience information" within the Holiday Beach Resort family. "Non-experience information" includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for consumer credit and is not related solely to your transactions or other experiences with us, including information:

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From your applications, such as your income or marital status;
From a credit report, such as your credit history; and
From sources used to verify representations made by you, such as open lines of credit or employment history.

The companies within the Holiday Beach Resort family that may receive non-experience information will receive that information for service evaluation purposes only and the information will not be shared with any outside entities.

Information Sharing Outside the Holiday Beach Resort Family
We do not intend to share personal information about you with companies and organizations outside the Holiday Beach Resort family.

Other Information Sharing.
We may share personal information about you with companies or other organizations outside of the Holiday Beach Resort family only as required by or permitted by law. For example we may share personal information to protect against fraud, respond to a subpoena or service your account.

Weblinks
We are not responsible for the collection, use or security of information by companies or organizations outside of the Holiday Beach Resort family that may be linked to our website. We encourage you to read the privacy policies of websites reached through the links from the Holiday Beach Resort website.

Holiday Beach Resort Companies Providing This Notice.
This policy is provided by the Holiday Beach Resort companies listed below. Separate disclosures of additional information may be provided to you if required under applicable state law.

Destin Holiday Beach Resort Condominium Association, Inc.
Condominium Management Services, Inc.
HBR Development II, Ltd.
Bank of Pensacola (as its interest may appear from time to time)