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PRIVACY POLICY

PURPOSE OF NOTICE

Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits mortgage brokers and others
from the sharing (disclosure) of nonpublic personal information about you with nonaffiliated third parties unless the company provides you with a notice of its privacy policy and practices, such as the type of information collected about you and the categories of persons of entities to whom it may be disclosed. In compliance with GLBA, we are providing you with this notice of our privacy policies and practices.

USE OF INFORMATION

We may collect nonpublic information about you (the customer) from the following sources:

1. Information we receive from you, verbal or written, such as on applications, settlements or financial statements, other forms or other information concerning your transaction.

2. Information about your transactions we secure from our files or others such as appraisals, credit reports, escrow account balances and account numbers to complete and facilitate the transaction.

3. Information that we receive from you or others involved in your transaction, such as the real estate agent, lender, attorney, settlement or escrow agent or others in order to complete and facilitate the transaction.

4. Information that we may receive from or incidental to an examination of instruments or other documents in the public records and taxing authority.

Unless specifically directed or consented to in writing by you, no additional non-public personal
information will be collected about you.

USE OF INFORMATION

The information we obtain is not shared with anyone other than those affiliates, agents or nonaffiliated third parties required to facilitate your transaction and provide the product and services requested by you or your lender or in other ways permitted by laws. We may disclose any of the above information that we collect about our customers or former customers to our affiliates, agents or to nonaffiliated third parties as
permitted by laws.

WE DO NOT DISCLOSE ANY NON-PUBLIC INFORMATION ABOUT YOU WITH ANYONE FOR
ANY PURPOSE THAT IS NOT SPECIFICALLY PERMITTED BY LAW.

PROTECTION OF INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with law to guard your non-public personal information.