YOUR PRIVACY IS OUR PRIORITY
We recognize the importance of keeping your information secure and confidential. We will not sell or share nonpublic, personal information about you with third parties either outside or within our corporate family except as explained in this Privacy Policy. This Privacy Policy covers personally identifiable information about both current and former customers who obtain financial products or services from us primarily for personal, family or household purposes, and is provided as required by the Federal Financial Privacy Law.

COLLECTING INFORMATION
When you seek to obtain financial products and services from us, we may collect nonpublic personal information about you from the following sources:

• Applications and other forms, or through other communication including information provided by mail, telephone, in person or electronically. Such information may include your name, address, employment, income, and other identifying information.
• Your transactions with us, members of our corporate family, or other sources. Such information may include, for example, your account balance and payment history.
• Consumer reporting agencies or other companies, which may include information regarding your creditworthiness or credit history.
• Other sources, which may include verification of your employment history, credit balances, property insurance coverage or other representations made by you.

SHARING INFORMATION OUTTSIDE OF OUR CORPORATE FAMILY
We may share all of the information described above with our service providers. Service providers may include, for example, insurance companies, payment processing companies, mail service companies, check-printing companies, and data processing companies. We may also share the information described above with companies that perform marketing services on our behalf. Such companies have agreed to keep confidential the information that we provide to them and to use the information only to carry out the functions we have asked them to perform. We do not share your nonpublic personal information with any company outside our corporate family for the purpose of marketing that company’s products or services. Finally, we may disclose all of the information above as permitted by law.

SHARING INFORMATION WITH AFFILIATED COMPANIES
We may also share information regarding your transaction and account experience with us, including your name and address and your payment history with us, among our affiliated financial services companies, such as our mortgage banking company. By sharing that information, we can better serve your financial needs and notify you of financial products and services that might interest you.

FORMER CUSTOMERS
If you were, but are no longer, our customer, the policies and practices described in this Privacy Policy will apply to you except as stated below in the section on "Additional Rights and Modifications."

PROTECTING CONFIDENTIALITY AND SECURITY
We restrict access to nonpublic personal information about you to only those employees whom we have determined need to know that information in the course of their job responsibilities. We maintain physical, electronic, and procedural safeguards that comply with applicable federal standards to protect nonpublic personal information.

ADDITIONAL RIGHTS AND NODIFICATIONS
You may have other privacy protections under state law. We will provide notice of our Privacy Policy to you annually, as long as you maintain a customer relationship with us. We reserve the right to change this Privacy Policy in any respect at any time, and we will inform you of changes as required by law.

IDENTITY THEFT INFORATION
If you believe you may be a victim of identity theft with regard to a transaction made through The Mortgage Store USA, please submit your written statement to 15011 North 75th Street, Scottsdale AZ 85260. If you have already filed a report with a law enforcement agency, please include a copy of the report with your correspondence. Additional information from you may be requested.

SPECIAL NOTICE TO CALIFORNIA RESIDENTS
The information sharing practices described above are designed in accordance with federal law. California law places additional restrictions on sharing information about California residents, so long as they remain California residents. If you are a California resident, you have the right to control whether we share some of your personal and financial information with our affiliated companies and other companies we do business with to provide financial products and services.

ADDITIONAL PRIVACY INFORMATION ABOUT INTERNET USE APPLIATIONS
If you apply for products or services or enroll in any banking or investment product that we make available online, you may be asked to supply personal information necessary for us to process your application. If the information you provide will be encrypted when it is sent to us, prior to completing our request for the information, you will receive a message that will advise you that the information that you send from that page will be encrypted for privacy while in transit. (Note: If you have changed the default configurations on your browser, you may not receive this message.) If this message does not appear, the information you provide to us will not be encrypted for privacy while in transit. We may retain the information you provide so we can offer you products or services related to your financial needs.

eMAILS
We retain the contents of your e-mail, your e-mail address, and our response so that we can efficiently handle any of your follow-up questions and also to meet legal and regulatory requirements. If we believe a particular Mortgage Store product or service might be of use to you, we may occasionally contact you at your e-mail address to inform you of its potential benefits and availability.

Your e-mails to us should be sent using the address listed under "Contact Us" on our website. Neither your inquiry nor our response is secure; you should not (and we will not) include confidential account information in an e-mail message. We reserve the right to determine whether to respond to you via e-mail or, depending on the circumstances, by using a more traditional method, such as the U.S. Postal Service or by telephone. You may also contact us by phone, U.S. postal mail or by visiting the nearest office of The Mortgage Store affiliate or subsidiary with which you wish to communicate.

USING "COOKIES"
To deliver better service and a more effective website, we may use "cookies" as part of our interaction with your browser. A cookie is a small text file placed on your hard drive by our Web Page server. It is not executable code and does not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted.

We use cookies to determine if a user has previously visited our website and for a number of other administrative purposes. Our cookies do not collect personally identifiable information, and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address.

OUR SURVEYS
We may post a survey or promotion on our website. Information that you provide in connection with a survey or promotion may be used for internal marketing purposes including, but not limited to, developing website information and services you may find helpful. We also may inform you of new or upgraded products and services from The Mortgage Store based on the information you give us.

OUR MORTGAGE PLANNING TOOLS
When you use any planning tools (calculators and worksheets) that we may post on our website, the calculations are not stored in our records. We have no access to the personal information you provide when using these planning tools.

ONLINE BANKING AND TRADING
In the event we make online banking available to you through our website, you may be required to provide personal information to us in order to use such services. This information may be retained in our system (or the system of any outside company that assists us in delivering such services to you).