Mortgage Access Corp.

PRIVACY POLICY

Mortgage Access Corp. has always been dedicated to meeting the needs of our customers. Our relationship with you is based on respect and trust. We believe that the privacy of your personal information is very important and cannot be compromised. With this guiding principle in mind, we have established standards to ensure that all personal information of our customers and former customers is secure and confidential. We are pleased to share with you our Privacy Policy for the collection, use, retention and security of information provided to us by customers. This Privacy Policy can be also found on the Internet at http://www.mortgageaccess.com/privacy/.

• We collect: (i) the information we receive from you in your application and supporting documentation, such as your name, address, social security number, assets, employment and income; (ii) the information we receive from your experiences with us, with other Mortgage Access Corp. affiliates, and with other service providers, such as your payment history, transaction parties, insurance policy coverage and premium amount; and (iii) the information we receive from consumer reporting agencies, such as your creditworthiness and credit history. We maintain strict physical, electronic and procedural safeguards that comply with federal regulations to protect all of this personal information ("Information"). We restrict access to this Information to only those persons who need to know it in order to provide you with products or services.
• We share Information regarding our customers and former customers among Mortgage Access Corp. affiliates only in accordance with these strict security standards and confidentiality policies, and applicable laws. We hold our employees and agents fully accountable for adhering to these standards, policies and laws.
• We also may share Information with non-financial strategic business partners with whom we have agreements to help provide customers with Mortgage Access Corp. One Stop Shopping Services, and with other companies which help us to conduct business, including for example, credit bureaus and businesses which provide account maintenance, analysis and servicing. We may also provide Information to other non-affiliated companies, regulatory authorities and law enforcement officials in accordance with applicable law.
• From time to time opportunities arise that we believe will benefit our customers and former customers. On a selective basis, we may share your name, address and telephone number with unrelated financial service providers, such as insurance agencies, home warranty companies and tax service providers, and with unrelated non-financial companies, such as record storage companies, moving companies, and other businesses that provide services to home owners, to market financial and non-financial products and services that may interest you. We will only provide this information to companies making these offers available to you under strict confidentiality agreements. If you do not want to participate in these opportunities, please refer to the Opt Out Notice section below to learn how to opt out.

Legal Disclosure. We may also provide Information to other non-affiliated companies, regulatory authorities and law enforcement officials in accordance with applicable law. We may also disclose account information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating the Privacy Policy, or may be causing injury to or interference (either intentionally or unintentionally) with any of our rights or property, our customers, or anyone else We may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services.

Privacy Policy Changes. We reserve the right to change the Privacy Policy at anytime. Any revisions to this Privacy Policy are effective upon the posting of the changes on our web site.

Corrections. To correct or update your information, the following options are available for changing and modifying information previously provided: (i) email info@mortgageaccess.com (ii) call the following telephone number: 1-877-556-3722; or (iii) write us at the address below.

Contacting Mortgage Access Corp. If you have any questions about this Privacy Policy, the collection of Information, or your dealings with us please contact us at:

Mortgage Access Corp.
225 Littleton Road
Morris Plains , NJ 07950
Attention: Dawn Stevens

Opt Out Notice. You may ask us not to share Information, that we receive in your mortgage application or in your report from credit bureaus, with other Mortgage Access Corp. affiliates. If you don't want such Information shared, you may do one of the following:

1. Write us at:
   
   Mortgage Access Corp.
   225 Littleton Road
   Morris Plains, NJ 07950
   Attention: Loan Administration
   
   
2. Go online to http://www.mortgageaccess.com/privacy/ and complete the online opt out form.
   
   
3. Complete the attached Opt Out Form.

Please provide your name, address and account number(s). Your request not to share such Information does not include Information that we are permitted by law to share, such as Information related to our experiences and transactions with you. Your request not to share Information does not include Information that we are permitted by law to share, such as with our strategic business partners with whom we have joint marketing or service agreements.