At United Mortgage Services, L.L.C. ("UMS"), we recognize and appreciate the importance of respecting the privacy of our customers and are committed to safeguarding against unauthorized disclosure of, or access to, the information about our customers. This privacy Notice sets forth UMS’s current policies and practices with respect to nonpublic personal information of our applicants, customers and former customers. Please be aware that we may change this policy periodically.

Information We May Collect
We limit the collection, retention and use of individual customer information to the minimum amount required to deliver useful products and services and other opportunities to customers and to fulfill our business needs. We may collect nonpublic personal information about you from different sources. For example, when you inquire of us or apply to us in writing, on the phone, by e-mail or from our website, we may collect information about you, such as your assets, income and social security number, from applications or other forms. We collect information about our customers through your transactions with us, with our affiliates, or with others, which may include account balances, payment history, and parties to transactions. We also collect information from credit bureaus, including your credit history and creditworthiness. We may receive information from other sources such as providers of marketing and demographic data.

Use of Consumer Information
We may use the information we collect to provide you with products or services you have requested, to improve our marketing and promotional efforts, to statistically analyze customer use of our products and services, to improve our offerings, to contact you regarding information we believe may be useful to you, to comply with reporting or other legal requirements, and to otherwise conduct business. We believe these uses allow us to improve our services and better tailor them to meet your needs.

Information We May Share With Our Family of Affiliated Companies
UMS is residential mortgage broker offering a variety of residential mortgage products to consumers through its affiliated business units, including the companies named in this privacy Policy. The federal Fair Credit Reporting Act permits us to share among our affiliated companies your name, address, and information about your transactions and experiences with us (such as your payment history or other facts about your account). The opt-out choices described below will not apply to these types of disclosures.

Unless you instruct us otherwise, we may also share with our affiliated companies the other information that we collect about you as described under the heading “Information We May Collect” above (such as information from consumer credit reports or income and assets information from applications). We may do this to provide you with information about other products or services we offer that may interest you.

Information We May Share to Service Your Account
In order to establish, administer and manage our customers’ accounts, to provide customer service and benefits, to process account transactions and account statements, and to conduct research and analysis, we may disclose information described under the heading “Information We May Collect” to companies that work with us, including some of our UMS affiliates*, to perform services or business operations on our behalf. We may also share this information with companies that perform marketing services on our behalf or other financial institutions with which we have joint marketing agreements. Please be aware that these disclosures are permitted by law without your consent, and therefore the opt out choices described below will not apply to these types of disclosures.

Information We May Share With Other Third Parties
In certain instances, we are permitted or even required to provide information about you to third parties not affiliated with us. Examples of this type of permitted disclosure would include reporting information about your transactions with us to credit reporting agencies, responding to regulators or auditors or other legal disclosure requirements, and protecting against fraud or providing information in connection with proposed or actual business transactions involving our companies or accounts, such as mergers or portfolio sales. Additional examples are advising a creditor the status of your credit application with us, responding to prior or subsequent lenders or holders with respect to your related documents, releasing information and making inquiries to the persons you have listed on your credit application as references, for the purposes of learning your current address and telephone number, and checking your credit and employment history and asking these lenders and/or employers about their credit experience with you. Please be aware that these disclosures are permitted by law without your consent, and therefore the opt out choices described below will not apply to these types of disclosures.

Unless you instruct us otherwise, we may share all the information described under the heading “Information We May Collect” with additional categories of nonaffiliated third parties, such as other financial service providers, insurance companies, or non-financial companies such as service organizations, retailers, travel services or direct marketers.

Confidentiality and Security

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

Additional Important Information
This privacy Policy applies to nonpublic personally identifiable information that we obtain in connection with products and services relating to education lending. For different products and services, you may receive other privacy policies from us. These other policies will only apply to the products and services in connection with which they are provided. We reserve the right to change the terms of this privacy Policy at any time as permitted by law. The examples provided in this privacy Policy are intended as illustrations and are not exclusive.

Option
If you prefer that we do not disclose non-public information about you to both affiliated and non-affiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law).

If you wish to opt out of disclosures we might make to affiliates and non-affiliates, you can write to us at:
United Mortgage Services, L.L.C.
270 Sylvan Avenue, Suite L 130
Englewood Cliffs, New Jersey 07632