PRIVACY FOR CONSUMERS AT RYAN MORTGAGE GROUP

Our goal is to maintain your trust and confidence when handling personal information about you.

YOU HAVE CHOICES

As a Ryan Mortgage Group customer, you have the opportunity to make choices about how personal information about you may be shared. As you consider this, we encourage you to make choices that enable us to provide you with quality products and services that help you meet your financial needs and objectives.

SECURITY OF PERSONAL INFORMATION

The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet or exceed applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.

Internet Privacy Policy

We would like you to understand what personally identifiable information (“personal information”) may be collected through the website that brought you to this notice and how this information may later be used or disclosed:

We do not collect personal information from non-customers other than applicants for our mortgage products.

We collect information about customers through the applications we receive and from other sources. If you are a customer, additional details about the information we collect and how it may be disclosed is contained in Our Privacy Notice, which is provided to you when your mortgage is closed, or shortly thereafter. If you wish to review information provided on online applications, you can contact us to request a copy of the personal account information you provided. To protect your privacy, proof of identity or other authentication is required.

The personal information we collect about you comes from the following sources:

• Information we receive from you, such as your name, address, and telephone number;
• Information about your transactions, such as your account balances, payment history, and account activity; and
  
• Information we receive from consumer reporting agencies and other sources, such as your credit bureau report and other information relating to your creditworthiness.

If you wish to review personal information provided on online applications, you can contact us to request a copy of the personal account information you provided. To protect your privacy, proof of identity or other authentication is required.

From time to time, we may change this Internet Privacy Policy. The effective date of this policy, as stated below, indicates the last time this policy was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.

This policy was last modified 10/30/06

COOKIE USE

“Cookies” are small pieces of information that are stored by your browser on your computer’s hard drive. Our cookies do not contain any personally identifying information, but they do enable us to provide features such as remembering the information you enter during your visit to our site. Most Web browsers automatically accept cookies, but you can usually change your browser to prevent that. Without a cookie, you will NOT be able to use our site.