Privacy Principles - We do not sell customer information. We do not provide customer information to persons or organizations outside the STANDARD Mortgage® family of companies who are doing business on our behalf, for their own marketing purposes. We contractually require any person or organization providing products or services to customers on our behalf to protect the confidentiality of STANDARD Mortgage® customer information.

Information We Collect - We collect personally identifiable information about you, other consumers, and customers, for many reasons, including to help identify you, evaluate your applications, service your account, and expand our relationship by offering you products or services that you may find valuable. We collect this information from several sources, including the following:

• Information provided by you on loan applications and other forms, including identifying information such as address, telephone number, e-mail address, social security number, date of birth, and other credit information such as income and employment.
• Information obtained through your transactions and relationship with us, our affiliates STANDARD Mortgage® Insurance Agency, SMC Title Company, Brightline Reinsurance and others, such as items purchased, payments, payment method, and information provided on customer service and counseling calls.
• Information provided by credit bureaus and similar companies, such as your account and payment history with other lenders.
• Information provided by other third parties, such as demographic firms, in connection with marketing programs.
• Information obtained on line, including from “cookies” (small pieces of data stored by your Internet browser on you computer) or other technology that may be used to remember passwords for you, to track your website usage with us, and to provide you with customized content, among other things.

Information We Share with Others - We may use and share all of the information described above, subject to applicable law, with the following (these examples are not intended to be all-inclusive):

• STANDARD Mortgage® Corporation and its affiliates: To assist you, we may provide application information about you, your account number, and other information, to our affiliates for use as permitted by law. This information might be used to enable their associates to answer questions about your account, or to look up your account number for you.
• Service Providers: We provide information to our affiliates and other companies to help us in servicing your account, like preparing billing statement and promotional materials, and respond to customer inquiries. We also may use marketing firms, such as modeling companies, to assist us in our own marketing efforts.
• Joint Marketing: We may provide information about you and your account to another financial institution to jointly offer financial services and/or products, such as loan products or life and credit insurance.
• Other Affiliates: Our affiliates are other companies in the STANDARD Mortgage® Corporation corporate family, (i) In addition to using affiliates to perform services in connection with your account; we may provide information to nonfinancial services affiliates, such as those offering consumer products, (ii) For some programs, we also may provide such affiliates with information from your application used to determine your eligibility for credit (e.g. income) and from credit bureaus, such as your credit score or credit history (collectively, “Consumer Report Information” which does not include identification information or our transaction and experience information). See “It’s Your Choice” for details on how to be excluded from our sharing of such Consumer Report Information.
• Third-Party Offers: We may work with carefully screened non-affiliated outside companies to develop special offers for you, which many of our customers find valuable. For example, we may disclose information, either directly or through our affiliates, to financial services providers, such as companies offering insurance or other loan products and to non-financial companies, such as those offering card registries, clubs tailored to your interests (like travel clubs), and other consumer products and services. The information we disclose may include name, address, and telephone numbers, as well as account performance history. See “It’s Your Choice” for details on how to be excluded from these programs.
• Others: We report account information, such as credit balances and payment information, to credit bureaus. In addition, we may buy and sell assets, lines of business and/or accounts. When this occurs, customer information generally is disclosed to bidders and is one of the transferred business assets. We also disclose information about you to third parties in certain other circumstances, as permitted by law.

Security Procedures - The security of customer information is very important to us and we take steps to safeguard it. We maintain physical, electronic, and procedural safeguards that comply with industry standards to guard nonpublic personal information about you. We limit access to personal and account information to those employees and agents who assist us in providing products and services to you. Employees who fail to follow our established standards are subject to disciplinary action. We also require third parties to whom we disclose nonpublic personal information to adhere to our Privacy Policy and Practices.

Your Access to Information - We provide you access to information about your account in several ways. For example, we send you statements outlining transactions, escrow analysis, and other account information. You may also call our customer service telephone number if you have questions about your account. For instructions on how to dispute account information or loan history information we have reported to a credit bureau, please contact our customer service help desk or any credit bureau.

How This Policy Applies to You - The examples contained in the Privacy Policy and Practices are illustrations only, and are not intended to be all-inclusive. If you decide to payoff your loan(s), or if we close or suspend you account, we will continue to adhere to the privacy policies and practices described in this notice to the extent we retain information about you. We may amend this Privacy Policy and Practices at any time, and we will inform you of changes as required by law. You may have other privacy protections under state and federal laws and we will comply with applicable state laws when we disclose information about you.

We are providing this Privacy Notice also on behalf of:

SMC Title Agency, LLC, STANDARD Mortgage® Insurance Agency, and Brightline Reinsurance

IT’S YOUR CHOICE

It’s Your Choice - Many customers appreciate receiving information about products or services offered by other companies that may be of interest to them. However, we want you to have a choice.

Please call us toll-free at 1-800-448-4190, or write to us at: Privacy Notice, STANDARD Mortgage® Corporation, 701 Poydras Suite 300 Plaza, New Orleans, Louisiana 70139.

If you would like to request the following:

“Please do not share information about me with companies outside of the STANDARD Mortgage® Family, other than with those permitted by law. And please do not share Consumer Report Information about me with companies within the STANDARD Mortgage® Family.”

Please understand that, even if you select this choice, we also will continue to share information with joint marketing partners and service providers as described in this policy, and as otherwise permitted by law.

Important notes About Your Choice:
If you have joint account, a request by one party will apply to all parties. We will process your request promptly. However, it may take us several weeks to ensure that all records are updated with your preference. We will continue to provide you with mail notices of special offers and new benefits.