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

1) Collection Sources:

We collect nonpublic information about you from the following sources:

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 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.

A copy of this notice is included with all of our loan applications.