This policy is effective as of January 1, 2008.

Privacy Policy Keeping Your Information Safe and Secure
Lender Name: Mortgage Consultants of America

We value the trust you have placed in us. You can count on us to provide you with the responsive, professional service you deserve, and to protect your privacy and security along the way.

In this document you'll find details about how we use and protect your customer information. We believe that protecting your privacy is an integral part of the customer service we provide to you. This is the reason why we do not share customer information with outside parties who may wish to market their products to you.

We value your relationship and we work diligently every day to honor the trust you place in us.

Highlights Of Our Commitment To You

• We do not sell customer information to third parties.
  
  
• We do not share customer information with outside parties who may wish to market their products to you. You do not have to take any action or instruct us to keep your information confidential. We will protect your privacy automatically.
  
  
• We safeguard your customer information carefully. You have choices about how your information may be shared and used. We have made it easy to communicate your privacy preference to us. See the "You Have Choices" response form on the next page for details.
  
  
• We are committed to protecting your customer information in every transaction, at every level of our organization. For this purpose, we have designed procedures, standards and technology, which are described in this document.
  
  
• We are committed to helping you protect your privacy every day. In this document, you'll find tips to help you protect yourself from identity theft, and limit direct marketing from outside companies.

How We Protect And Use Customer Information

We begin by safeguarding the security and integrity of customer information. We are committed to protecting the security and integrity of customer information through procedures and technology designed for this purpose.

For example:

• We limit employee access to customer information to those who have a business reason to know this information. Employees are required to honor our code of conduct, which includes standards to protect customer confidentiality. They are subject to disciplinary action if they fail to do so.
  
  
• We maintain policies and procedures covering the proper physical security of workplaces and records.
  
  
• Our physical, electronic, and procedural safeguards meet or exceed federal standards regarding the protection of customer information.
  
  
• We require independent contractors and outside companies who work with us to adhere to strict privacy standards through their contracts with us.
  
  
• We use technological means (such as backup files, virus detection and eradication software, firewalls, and other computer software and hardware) to protect against unauthorized access or alterations to customer data.

We collect and maintain customer information as part of servicing your account and your customer relationship. In the course of serving you, we collect information about you from a variety of sources, such as:

• Information you provide to us on applications or forms, such as your income and accounts with others;
  
  
• Information we receive from an outside company, such as a credit bureau, regarding your credit history or employment status; or
  
  
• Information about your transactions or experiences with companies affiliated with us.

The customer information we collect is used to serve your accounts and meet your financial needs.

Information may be used internally, as well as with authorized third parties (described in section 4), for a number of purposes, such as:

• To protect your accounts from unauthorized access or identity theft.
  
  
• To process your requests such as loan applications, purchases, and ATM withdrawals.
  
  
• To service your accounts by issuing checks, ATM cards, and account statements.
  
  
• To keep you informed about financial services of interest to you.

We do not share information with outside parties who may wish to market their products to you. We may disclose the information we collect, as described above, with nonaffiliated third parties that are acting on our behalf, including:

Companies that perform support services for us, such as data processors, technical systems consultants and programmers, check printers, or companies that help us market our products to you.

We may also share certain information with companies that help us conduct surveys or marketing research.

There are other situations when we may disclose to third parties the customer information we collect as permitted or required by law. Third parties could include government entities, courts or other entities (in response to subpoenas and other legal processes), and those with whom you have requested us to share information.

Important Notice about Credit Reporting: We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.

It is important to note that we do not share customer information with other companies for the purpose of marketing their products to you, unless you specifically request in advance that we do so. It is not necessary for you to instruct us not to share information with these outside companies, because we will automatically keep your information confidential.

Within our organization, we share information so that we can work together to serve you. We may disclose all of the information we collect, as described above, including:

Our administrative and service units which, for example, service your accounts or prepare your account statements.

Affiliated companies that provide financial and other services. These include consumer bankers, mortgage lenders, consumer lenders, securities broker-dealers, insurance agencies, and real estate brokerage companies. By law, information that help us identify you or is derived from your transactions and experiences with us may be shared among affiliated companies (a) for purposes other than direct marketing, and (b) unless you instruct us otherwise, for direct marketing purposes. You can instruct us not to share other personal financial information about you with affiliated companies. In addition, if you select that option, we will not share any information about you with our affiliates for direct marketing purposes. Indicate your preference in the "You Have Choices" section of this document.

Important contact information for current customers.
Please note that if you choose not to receive solicitations by mail or any other channel, you may continue to receive marketing information by mail about our products or services or receive survey calls. Marketing information may be included in regular account mailings and statements.

Trust Accounts, State Laws.
Trust accounts, for which we or our affiliates are the trustee, are protected under special rules of confidentiality and trust account information is not shared for marketing purposes without specific consent. Some state laws may impose additional restrictions on disclosure of information about customers for certain purposes in those states.

You Have Choices
We do not sell customer information or share it with outside third parties who may wish to market their products to you. We will protect your privacy automatically. If you choose to express a privacy preference (information sharing or solicitation preference) it will remain in effect as long as you are a customer. If you have already recorded a privacy preference with us, there is no need to do so again. You may change your instructions at any time.

How To Communicate Your Preference To Us
- Call us at 1-866-599-9159
- Mail this response form to:
Operations Center, MAC #N9777-111, P.O. Box 5277, Sioux Falls, SD 57117-5277