At Mortgage Option Associates one of our most important responsibilities to you, our customer, is safekeeping the confidential information you have entrusted to us and using this information in a responsible and appropriate manner. This notice will help you understand how Mortgage Option Associates responsibly uses and protects your nonpublic personal information. For purposes of this notice, nonpublic personal financial information means customer information that you provide to us or that is obtained by us in connection with financial products and services provided primarily for personal, family or household purposes that is not publicly available. The following is our continuing commitment to the responsible use and protection of your confidential information:

The Nonpublic Personal Information We Collect In connection with providing financial products or services to you, we collect nonpublic personal information about you from the following sources:
• Information we may receive from you on applications, disclosures, forms or documents that you provide to us - for example, your employer, your income, your accounts and balances with other financial institutions.
• Information concerning your transactions with us.
• Information we receive from a consumer reporting agency - such as your creditworthiness and payment history.

The Personal Nonpublic Information We Share, Why We Share and With Whom Mortgage Option Associates limits the use and sharing of your confidential information to what we believe is necessary to provide you with the financial products or services you have requested, to provide you with exceptional customer service, to detect or prevent fraud, to make available to you other financial products or services that may be of interest to you, or to share with nonaffiliated third parties as otherwise required or permitted by law. Mortgage Option Associates may be required to or may share some or all of the information that we collect about you, described above, to the following third parties or for the following purposes:
• To investors and other financial institutions to whom we may broker or sell our loans.
• To third parties in order to process, assist or service a financial product or service for us that you have requested or authorized - such as appraisers, attorneys and mortgage insurance companies.
• To other financial institutions with whom we have joint marketing agreements to enhance our financial product or service offerings - such as providing mortgage loan account information to MF&T Insurance Agency, who offers Property & Casualty Insurance to our customers on our behalf.
• To respond to a subpoena, court order or judicial process.
• To our regulators and auditors.
• To pursue a proposed or actual sale, merger or transfer of all or a portion of our business or operating units.

Whenever other companies or third parties provide marketing or support services on our behalf, we require them to adhere to our confidentiality and security procedures. All joint marketing and outside service provider agreements contain a confidentiality agreement that requires those third parties to use the confidential information only to provide a product or service on our behalf. Mortgage options of America, Inc. limits the sharing of confidential information to sharing arrangements that are exempt from customer opt-out requirements. This means the customer cannot opt-out of these sharing arrangements.

Security of Nonpublic Personal Information
We restrict access to nonpublic personal information to our employees and subcontractors who need this information to provide our products or services to you. We maintain physical, electronic and procedural safeguards that comply with applicable federal standards to guard your nonpublic personal information.

Nonpublic Personal Information of Former Customers
This notice applies to our former customers.

Changes to Privacy Notice and Practices
Mortgage Option Associates may choose to modify this notice at any time. We will notify customers and/or consumers of any modifications through the issuing of a new privacy notice, if required by law. Mortgage Option Associates privacy notice and practices