This notice is provided to you pursuant to the Privacy of Consumer Financial Information Act and the Federal Trade Commission's implementing regulation there under, 16 CFR Part 313.

1. Collection Sources:

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on application or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer reporting agency.

2. We do not disclose any nonpublic personal information about our
customers or former customers to anyone, except as permitted by law.

3. We restrict access to nonpublic personal information about you to those
employees who need to know that information to provide the requested
loan origination services to you. We maintain physical, electronic, and
procedural safeguards that comply with federal regulations to guard your
nonpublic personal information.