When you provide personal information in order to process your transaction, you expect your data to be used only for its intended purpose and to be kept confidential. We respect your right to confidentiality and take every possible measure to ensure that your personal information remains private. In short, we work hard to earn your confidence and preserve your trust. We value your business and hope you will remain with us for many years to come. This privacy disclosure is being issued to comply with the provisions of Gramm-Leach-Bliley Act governing the privacy of consumer financial information.

INFORMATION WE COLLECT
We collect non-public personal information about you from the following sources:
Information we receive from you on application or other forms such as your name, address, social security number, assets and income.

Information about your transaction with us, our affiliates or others, such as: your account balances, payment history and parties to the transaction.

Information we receive from a consumer reporting agency, such as: your creditworthiness and credit history. Non-Public Personal Information and Affiliates. We may disclose non-public personal information we collect as described above with our affiliates.

INFORMATION WE DISCLOSE
We may disclose the following kinds of nonpublic personal information to third party companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

We do not disclose any non-public personal information about our customers or former customers to anyone except as required by law or as stated above.

Information we receive from you on applications or other loan and account forms, such as your name, address, social security number, assets and income.

Information about your transactions with us, our affiliates or others, such as your account balance, payment history, parties to transactions, and credit card usage.

Information we receive from a consumer reporting agency, such as your creditworthiness and your payment history.

When we work with third parties such as insurance agencies, investment advisors and other similar companies, they are subject to the same confidentiality policies that the Bank maintains and are required to sign confidentiality agreements.

We do NOT disclose any personal information about you to anyone, except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

CONFIDENTIALITY AND SECURITY
We restrict access to non-public personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with Federal standards to guard your non-public personal information.

IS MY INFORMATION SECURE FROM OTHERS USING
THE CLOSEMYLOAN MORTGAGE SITE?
The security of all information associated with our customers is an important concern to us. We exercise care in providing secure transmission of your information from your computer to our servers. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your information, CloseMyLoan Mortgage and its affiliates cannot ensure or warrant the security of any information you transmit to us or from our online products or services, and you do so at your own risk. Once we receive your transmission, CloseMyLoan Mortgage uses industry standard efforts to safeguard the confidentiality of your information, such as firewalls and Secure Socket Layers. However, "perfect security" does not exist on the Internet.

WHAT HAPPENS WHEN YOU LINK TO A THIRD PARTY SITE?
You should be aware that when you are on CloseMyLoan and/or its affiliates' sites you could hyperlink or be directed to other sites that are beyond our control and/or outside our service. For example, if you "click" on a banner advertisement or a www.ClosemyLoan.com search result, the "click" may transfer you off the www.ClosemyLoan.com site. These other sites may include sites of advertisers, sponsors and partners that may use CloseMyLoan and/or its affiliates' logo as part of a co-branding agreement. These other sites may send their own cookies to customers, collect data, or solicit Information.

CloseMyLoan Mortgage and its affiliates do not control such sites, and, therefore, are not responsible for their contents or the hyperlinks or advertising they choose to place on such sites CloseMyLoan Mortgage and/or its affiliates' inclusion of hyperlinks to these sites do not imply any endorsement of the material on such sites or any association with their operators. CloseMyLoan Mortgage policy does not extend to anything that is inherent in the operation of the Internet, which is beyond CloseMyLoan Mortgage and its affiliates' control.

Please keep in mind that whenever you give out information online (for example, via message boards or chat) that information can be collected and used by people you don't know. CloseMyLoan Mortgage and its affiliates strive to protect their customers' information and privacy, we cannot guarantee the security of any information you disclose online, and you disclose such information at your own risk.

COOKIES
Cookies are small pieces of information that a web site sends to your computer for record-keeping purposes. This information is stored in a file on your computer. Cookies make Web surfing easier for you by saving your preferences so that we can use the saved information to facilitate your use of our web site when you return to the site. Cookies do not tell us your individual identity unless you have chosen to provide it to us. We never save passwords or credit card information in cookies. The use of cookies is an industry standard, and as such, you'll find that most major web sites use them.

By showing how and when customers use a site, cookies help us see which areas are popular and which are not. Many improvements and updates to the site are based on such data as total number of visitors and pages viewed. This information is most easily tracked with cookies. We use the information from cookies to provide services better tailored to our customers' needs.

Most cookies expire after a defined period of time, or you can delete your cookie file at any time. Most browsers are initially set up to accept cookies. You can reset your browser to refuse all cookies or indicate when a cookie is being sent. However, note that some parts of www.closemyloan.com and/or its affiliates' services will not function properly or may be considerably slower if you refuse cookies. For example, without cookies, you will not be able to set personalized preferences, and/or may have difficulty completing marketing transactions.

CloseMyLoan Mortgage and/or its affiliates have two primary uses for its cookies. First, we use them to specify a customer's preferences. Second, we use cookies to track customers' web site usage trends and patterns. This helps us understand our customers' needs better and improve areas of CloseMyLoan Mortgage and/or its affiliates services that our customers find valuable. While both of these activities depend on the use of cookies, you have the option of disabling the cookies via your browser preferences.

You may occasionally get cookies from our advertisers. CloseMyLoan Mortgage and/or its affiliates do not control these cookies. The use of advertising cookies sent by third-party servers is standard in the Internet industry.

WITH WHOM DOES CLOSEMYLOAN MORTGAGE SHARE MY PERSONAL INFORMATION?
As a general rule, CloseMyLoan Mortgage will not disclose any specific personal information that you submit to us in a manner that connects you with that personal information. Exceptions may include: when we have your permission, under special circumstances in which we believe in good faith that the law requires it.

HOW CAN YOU CONTROL THE USAGE OF INFORMATION?
In case you change your mind or some personal information changes (such as your zip code or
e-mail address), we will try to provide a way to correct, update or remove the personal information that you give us. We also give you the opportunity to control the communications we direct to you. We offer customers the opportunity to "opt out" of having personal information shared with parties outside of CloseMyLoan Mortgage and/or its affiliated companies. If a customer wishes to update personal information or objects to any usage provided herein for any reason, he/she may e-mail the requested change to: support@closemyloan.com

THIRD PARTY & AGGRREGATE DATA
From time to time, you may be offered the opportunity to receive materials or special offers from third parties. If you opt to receive information from these third parties CloseMyLoan Mortage will, with your permission, share your name and e-mail address with such third parties. Under confidentiality agreements, CloseMyLoan Mortgage may match personal information with third party data. CloseMyLoan Mortgage may keep track of what portions of the web site customers are visiting and other customer statistics.  CloseMyLoan Mortgage may aggregate this information to help create a better experience for users of our web site. This is all done without knowing your name or other personal information in order to describe our viewers and services to prospective partners, advertisers, and other third parties, and for other lawful purposes.

USE OF INTERNET PROTOCOL ("IP") ADDRESS
An IP address is a unique number that is automatically assigned to your computer whenever you're surfing the Internet so that your computer can be identified by the main computers, known as Web servers, that "serve up" web pages.

CloseMyLoan Mortgage and/or its affiliates collect IP addresses for the purposes of system administration, to report aggregated information to our advertisers, and to audit the use of our site. When customers request pages from CloseMyLoan Mortgage and/or its affiliates' sites, our servers log the customers' IP addresses. We do not normally link IP addresses to anything personally identifiable, which means that a customer's session will be logged, but the customer will remain anonymous to us. We can and will use IP addresses to identify a customer when we feel it is necessary to enforce compliance with our site terms of use or terms of service or to protect our service, site, customers or others.

YOUR ACCEPTANCE OF THIS PRIVACY POLICY
By using this site, you signify your agreement to CloseMyLoan Mortgage Privacy Policy. IF YOU DO NOT AGREE WITH THIS POLICY, PLEASE DO NOT USE THIS SITE. Your continued use of CloseMyLoan Mortgage and/or its affiliates' sites following the posting of changes to these terms will mean you accept those changes.

ANY QUESTIONS OR COMMENTS?
If you have any concerns regarding our privacy policy or wish to report any potential misuse of your personal information, please contact the Office at
425-893-9700.