Our privacy policy authorizes us to release nonpublic personal information as permitted by law. The information that may be released may come from:

- Information obtained from you through your mortgage application and other items collected from you in connection with the processing, underwriting and servicing of your loan,

- Information obtained from non-affiliated third parties in connection with the above purposes; and

- Information obtained from consumer reporting agencies. Information obtained from the sources described above include items such as the following:

- Name, address, social security number, assets and liabilities;

- Account payment history, account balances, hazard insurance amounts and due dates;

- General credit history, appraisal reports.

We are permitted by law to provide this information to nonaffiliated third parties that perform services for our institution or functions on our institution’s behalf. Prior to providing such information, our company will enter into a contractual arrangement with such entities to prohibit them from disclosing or using the information for other than its intended purpose. Our company has one such arrangement for the periodic solicitation of optional mortgage insurance. The company who provides this joint marketing service, Monumental Life Insurance Company, has signed a confidentiality agreement.

Other types of joint marketing and third party nonaffiliated servicers for which information listed above may be disclosed include insurance agencies performing joint marketing services and other financial institutions performing joint marketing services.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.