Internet Security We devote considerable resources to the maintenance of secure Internet communications to help ensure that your transactions with us are conducted in a safe environment. Our goal is to protect your information on the Internet in the same manner that we protect you in all other ways of interaction with you. You may visit our website and obtain information on our company, products and services or other valued added services without providing us with any information about you. About our Website If you do provide personal information, such as address, e-mail, telephone and/or fax numbers, as well as demographic and customer identification, this information will be sent to us via a secured connection using Secure Sockets Layer (SSL) technology. We will maintain this information, as well as your business activities and transactions, according to our usual stringent security and confidentiality standards. Our systems automatically switch to "secure" mode when you are asked to enter personal information on any of our application forms. To keep your data safe we use: Advanced authentication technology. Website designs that blocks or limits online display of customer information when unnecessary to the transaction. Monitoring our websites through recognized online privacy and security companies such as StarField Technologies, which offers REAL 128-bit SSL encryption. SSL ensures online visitors that credit card account numbers and other confidential information cannot be viewed, intercepted, and/or altered. How do I know if security is properly operating? Your internet session is encrypted if your security-enabled browser is connected to a website using the Secure Hypertext Transport Protocol. URL strings beginning with "HTTPS://" instead of the usual "HTTP://" is an indication that the secure protocol is in effect. For example, Netscape Navigator may display the icon in the lower left hand corner of your screen in secure mode. If 128-bit security is in effect, it displays the icon. Microsoft Internet Explorer displays an icon in either case. Most browsers may be programmed to provide a pop-up announcement when you enter or leave a secure web page. For example, in Netscape, these settings are on the Security Preferences "General" tab. In your Internet Explorer, the setting is on the "Advanced" tab when you select "Options" on the View menu. Cookies In order to provide better service, we use "cookies." A cookie is a piece of information, which a web site stores, on your web browser so you may later retrieve it. The cookie cannot be read by a web site other than the one that set the cookie. We use cookies for a number of administrative purposes, for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our site. Your Privacy Policy The following is the Privacy Policy of Americross Mortgage, Inc. (“AMI”). In this Privacy Policy the words “AMI”, “we”, “us”, “our” and “ours” refer to Americross Mortgage,Inc. The words “you”, “your”, or “yours” refer to each individual who is one of our customers, former customers, and/or other individuals who obtain or request a loan or other financial product or service from us. Respecting and protecting customer privacy is vital to our business. By explaining our Privacy Policy to you, we trust that you will better understand how we maintain our applicant and customer information private and secure while utilizing your information to serve you better. We recognize and appreciate the importance of keeping your information secure and confidential. Therefore, we will not sell or share your non-public personal information with third parties either outside or within our company except as explained in this Privacy Policy. The policy, as required by federal privacy law, covers former and current customers who obtained or seek to obtain financial products or services from us for personal, family or household purposes. We are pleased to provide you with the following details regarding the privacy and security of your nonpublic personal information: The categories of information we collect about you and your borrowers; The categories of information we disclose about you and your borrowers; The protection measures we use to safeguard nonpublic personal information; and,The impact of this Notice on you and your borrowers. How we collect your information To fund and service your loan, comply with government regulations, improve our products and services, and better understand your financial needs, we collect and maintain customer and former customer data. We may collect non-public personal information about you from the following sources. Applications and other forms, or through other communication including information provided by you via mail, telephone, personally, or electronically. Such information may include your name, address, employment, income, social security, and other identifying information. Your transactions with us. Such information may include, for example, your loan balance, payment history and other account information; Consumer reporting agencies or other companies that may include information regarding your creditworthiness or your credit history; Other sources from third parties concerning your credit, deposit, employment and other relationships. Such information may include, but is not limited to, property appraisal, and other representations made by you. Who we disclose your information to: We may disclose or share some or all of the information described above with our service providers (third parties) as permitted by law, whose services may include, for example, preparing and mailing monthly account statements and preparing marketing services on our behalf. Service providers may include, but are not limited to, credit reporting agencies, marketing companies, Mortgage Companies operating in any state other than those in which we are licensed to do business, regulators, and third parties as directed by you. Such companies have agreed to keep confidential the information that we provide to them and to use your information only to carry out the functions we have asked them to perform and as agreed upon by you. We do not share your nonpublic personal information with any company, persons, or entities outside our corporate family for the purpose of marketing that company’s products or services. Finally, we may disclose any and all information above as permitted by law. These service providers have agreed to keep the information we provide to them confidential and to use the information only to carry out the functions we have asked them to perform. The service providers do not use the confidential information for any other purposes. Former customers If you once were, but no longer are our customer, the policies and practices described in this Privacy Policy will also apply to you except as stated below in "Additional Rights and Modifications." How to confirm accuracy of your information We are committed to maintaining accurate and most current information on all of our customers. You may review the personally identifiable information we maintain and make any corrections to the information if you believe your information is inaccurate and or outdated by contacting us at the address below. Safeguard of your non-public information We restrict access to your nonpublic personal information to those employees who require and or seek your information in order to provide products or services to you during the course of their job. We maintain electronic, physical, and procedural safeguards that comply with federal regulations to protect your nonpublic personal information. Rights and modifications; changes to your Privacy Policy; Notice We reserve the right to amend (add, delete, and/or change) the terms of this Privacy Policy from time to time and you will be notified of the changes as required by law. By electing to become one of our customers or by receiving our products and related services, we will provide a copy of our Privacy Policy to you annually as long as you remain in a customer relationship with us, unless you indicate to us in writing otherwise to our address. COMPANY TERMS & CONIDITIONS SECURITY & PRIVACY SITE MAP CONTACT US

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