Rev. FACTS WHAT DOES NEWREZ LLC€ DO WITH YOUR … · Rev. 09/19 FACTS WHAT DOES NEWREZ LLC€ DO...

58
Rev. 09/19 FACTS WHAT DOES NEWREZ LLC DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income credit history and credit scores account balances and payment history How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons NEWREZ LLC chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does NEWREZ LLC share? Can you limit this sharing? For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes - to offer our products and services to you Yes No For joint marketing with other financial companies Yes Yes For our affiliates' everyday business purposes - information about your transactions and experiences Yes No For our affiliates' everyday business purposes - information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes For nonaffiliates to market to you Yes Yes To limit our sharing Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) or Mail the form below Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call toll-free (888) 673-5521 or go to WWW.NEWREZ.COM ................................................................................................................................................................................................................................................................................................................................................................................................................................................................... Mail-in Form Mark any/all you want to limit: Do not share my personal information with other financial institutions to jointly market to me. Do not share information about my creditworthiness with your affiliates for their everyday business purposes. Do not allow your affiliates to use my personal information to market to me. Do not share my personal information with nonaffiliates to market their products and services to me. Name Address City, State, Zip Loan # Mail to: NEWREZ LLC ATTN: COMPLIANCE DEPT 1100 VIRGINIA DRIVE, SUITE 125 FORT WASHINGTON, PA 19034 15182.381

Transcript of Rev. FACTS WHAT DOES NEWREZ LLC€ DO WITH YOUR … · Rev. 09/19 FACTS WHAT DOES NEWREZ LLC€ DO...

Page 1: Rev. FACTS WHAT DOES NEWREZ LLC€ DO WITH YOUR … · Rev. 09/19 FACTS WHAT DOES NEWREZ LLC€ DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your

Rev. 09/19

FACTS WHAT DOES NEWREZ LLC  DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons NEWREZ LLC choosesto share; and whether you can limit this sharing.

Reasons we can share your personal information Does NEWREZ LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 or go to WWW.NEWREZ.COM ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:NEWREZ LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does NEWREZ LLC protect my personalinformation?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does NEWREZ LLC collect my personalinformation?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

**NEWREZ LLC OPERATES AS NEWREZ MORTGAGE IN ARKANSAS AND TEXAS

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTS WHAT DOES NEWREZ LLC  DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons NEWREZ LLC choosesto share; and whether you can limit this sharing.

Reasons we can share your personal information Does NEWREZ LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 or go to WWW.NEWREZ.COM ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:NEWREZ LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does NEWREZ LLC protect my personalinformation?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does NEWREZ LLC collect my personalinformation?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

**NEWREZ LLC OPERATES AS NEWREZ MORTGAGE IN ARKANSAS AND TEXAS

- BORROWER -   - DATE -

    15182.381

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Important Privacy Choices For ConsumersYou have the right to control whether we share some of your personal information.

Please read the following information carefully before you make your choices below.

Your Rights

You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies weown or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of informationnecessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includessending you information about some other products or services.

Your Choices

Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say "No," wemay share personal and financial information about you with our affiliated companies.

NO, please do not share personal and financial information with your affiliated companies.

Restrict Information Sharing With Other Companies We Do Business With To Provide FinancialProducts And Services: Unless you say "No," we may share personal and financial information about you with outsidecompanies we contract with to provide financial products and services to you.

NO, please do not share personal and financial information with outside companies you contract with to providefinancial products and services.

Time Sensitive Reply

You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise.However, if we do not hear from you we may share some of your information with affiliated companies and other companieswith whom we have contracts to provide products and services.

Name:

Account or Policy Number(s):

Signature:

To exercise your choice do the following:

1. Fill out, sign and send back this form to us (you may want to make a copy for your records); Mail to 1100 VirginiaDrive, Suite 125, Fort Washington, PA 19034, Attn: Compliance Department.

2. Call this toll-free number (888) 673-55213. Visit our website and follow the instructions at www.newrez.com/privacy-policy/.

1 116539.54 Page       of      

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Rev. 09/19

FACTS WHAT DOES NEWREZ LLC  DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons NEWREZ LLC choosesto share; and whether you can limit this sharing.

Reasons we can share your personal information Does NEWREZ LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 or go to WWW.NEWREZ.COM ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:NEWREZ LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does NEWREZ LLC protect my personalinformation?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does NEWREZ LLC collect my personalinformation?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

    15182.381

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Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

**NEWREZ LLC OPERATES AS NEWREZ MORTGAGE IN ARKANSAS AND TEXAS

North Dakota: In addition to opting-out of the sharing of information listed in this disclosure, North Dakota law (N.D. Cent. Code §§6-08.1-01 et seq.; N.D. Admin. Code §§13-02-21-01 et seq.) requires you to consent to, or "opt-in" to, the sharing of such information.

To consent to the sharing of this information, please fill out, sign, and mail back the following form:

- BORROWER -   - DATE -

Mail-in Form

Mark any/all you want to limit:Do share my personal information with other financial institutions to jointly market to me.Do share information about my creditworthiness with your affiliates for their everyday business purposes.Do allow your affiliates to use my personal information to market to me.Do share my personal information with nonaffiliates to market their products and services to me.

Your consent will be valid until                        , at which time we will desist sharing theinformation checked above.

By signing below, you hereby consent to the sharing of the information indicated above, for the time period specified.

- BORROWER -   - DATE -

Name

Address

City, State, Zip

Loan #

Mail to:NEWREZ LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Rev. 09/19

FACTS WHAT DOES NEWREZ LLC  DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons NEWREZ LLC choosesto share; and whether you can limit this sharing.

Reasons we can share your personal information Does NEWREZ LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 or go to WWW.NEWREZ.COM ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:NEWREZ LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does NEWREZ LLC protect my personalinformation?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does NEWREZ LLC collect my personalinformation?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

    15182.381

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Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

**NEWREZ LLC OPERATES AS NEWREZ MORTGAGE IN ARKANSAS AND TEXAS

We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information,financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted byVermont law, unless you authorize us to make those disclosures.Additional information concerning our privacy policies can be found at WWW.NEWREZ.COM or call (888) 673-5521.

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTSWHAT DOES CAPITAL PARTNERS MORTGAGE, LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons CAPITAL PARTNERSMORTGAGE, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does CAPITAL PARTNERSMORTGAGE, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:CAPITAL PARTNERSMORTGAGE, LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does CAPITAL PARTNERS MORTGAGE,LLC protect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does CAPITAL PARTNERS MORTGAGE,LLC collect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTSWHAT DOES CAROLINA ONE MORTGAGE, LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons CAROLINA ONEMORTGAGE, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does CAROLINA ONEMORTGAGE, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:CAROLINA ONE MORGAGE,LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does CAROLINA ONE MORTGAGE, LLCprotect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does CAROLINA ONE MORTGAGE, LLCcollect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTSWHAT DOES CONWAY FINANCIAL SERVICES, LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons CONWAY FINANCIALSERVICES, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does CONWAY FINANCIALSERVICES, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:CONWAY FINANCIALSERVICES, LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does CONWAY FINANCIAL SERVICES,LLC protect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does CONWAY FINANCIAL SERVICES,LLC collect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTSWHAT DOES GUARANTY MORTGAGE SERVICES, LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons GUARANTYMORTGAGE SERVICES, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does GUARANTY MORTGAGESERVICES, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:GUARANTY MORTGAGESERVICES, LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does GUARANTY MORTGAGE SERVICES,LLC protect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does GUARANTY MORTGAGE SERVICES,LLC collect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTSWHAT DOES LANDED HOME LOANS LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons LANDED HOMELOANS LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does LANDED HOME LOANSLLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free 877-728-1071 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:LANDED HOME LOANS LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does LANDED HOME LOANS LLC protect mypersonal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does LANDED HOME LOANS LLC collect mypersonal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTSWHAT DOES LANDED HOME LOANS LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons LANDED HOMELOANS LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does LANDED HOME LOANSLLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free 877-728-1071 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:LANDED HOME LOANS LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does LANDED HOME LOANS LLC protect mypersonal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does LANDED HOME LOANS LLC collect mypersonal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Important Privacy Choices For ConsumersYou have the right to control whether we share some of your personal information.

Please read the following information carefully before you make your choices below.

Your Rights

You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies weown or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of informationnecessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includessending you information about some other products or services.

Your Choices

Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say "No," wemay share personal and financial information about you with our affiliated companies.

NO, please do not share personal and financial information with your affiliated companies.

Restrict Information Sharing With Other Companies We Do Business With To Provide FinancialProducts And Services: Unless you say "No," we may share personal and financial information about you with outsidecompanies we contract with to provide financial products and services to you.

NO, please do not share personal and financial information with outside companies you contract with to providefinancial products and services.

Time Sensitive Reply

You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise.However, if we do not hear from you we may share some of your information with affiliated companies and other companieswith whom we have contracts to provide products and services.

Name:

Account or Policy Number(s):

Signature:

To exercise your choice do the following:

1. Fill out, sign and send back this form to us (you may want to make a copy for your records); Mail to 1100 VirginiaDrive, Suite 125, Fort Washington, PA 19034, Attn: Compliance Department.

2. Call this toll-free number (888) 673-55213. Visit our website and follow the instructions at www.landedhomeloans.com/legal/privacy-policy/.

1 116539.54 Page       of      

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Rev. 09/19

FACTSWHAT DOES MILESTONE HOME LENDING, LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons MILESTONE HOMELENDING, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does MILESTONE HOMELENDING, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:MILESTONE HOME LENDING,LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does MILESTONE HOME LENDING, LLCprotect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does MILESTONE HOME LENDING, LLCcollect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTSWHAT DOES NEWREZ COMMUNITY LENDING LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons NEWREZ COMMUNITYLENDING LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does NEWREZ COMMUNITYLENDING LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free 877-728-1071 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:NEWREZ COMMUNITYLENDING LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does NEWREZ COMMUNITY LENDING LLCprotect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does NEWREZ COMMUNITY LENDING LLCcollect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTSWHAT DOES PARTNERS UNITED FINANCIAL, LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons PARTNERS UNITEDFINANCIAL, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does PARTNERS UNITEDFINANCIAL, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:PARTNERS UNITEDFINANCIAL, LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does PARTNERS UNITED FINANCIAL,LLC protect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does PARTNERS UNITED FINANCIAL,LLC collect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Important Privacy Choices For ConsumersYou have the right to control whether we share some of your personal information.

Please read the following information carefully before you make your choices below.

Your Rights

You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies weown or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of informationnecessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includessending you information about some other products or services.

Your Choices

Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say "No," wemay share personal and financial information about you with our affiliated companies.

NO, please do not share personal and financial information with your affiliated companies.

Restrict Information Sharing With Other Companies We Do Business With To Provide FinancialProducts And Services: Unless you say "No," we may share personal and financial information about you with outsidecompanies we contract with to provide financial products and services to you.

NO, please do not share personal and financial information with outside companies you contract with to providefinancial products and services.

Time Sensitive Reply

You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise.However, if we do not hear from you we may share some of your information with affiliated companies and other companieswith whom we have contracts to provide products and services.

Name:

Account or Policy Number(s):

Signature:

To exercise your choice do the following:

1. Fill out, sign and send back this form to us (you may want to make a copy for your records); Mail to 1100 VirginiaDrive, Suite 125, Fort Washington, PA 19034, Attn: Compliance Department.

2. Call this toll-free number (888) 673-55213. Visit our website and follow the instructions at www.partnersunitedfinancial.com/legal/privacy-policy/.

1 116539.54 Page       of      

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Rev. 09/19

FACTSWHAT DOES PARTNERS UNITED FINANCIAL, LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons PARTNERS UNITEDFINANCIAL, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does PARTNERS UNITEDFINANCIAL, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:PARTNERS UNITEDFINANCIAL, LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does PARTNERS UNITED FINANCIAL,LLC protect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does PARTNERS UNITED FINANCIAL,LLC collect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

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Rev. 09/19

FACTSWHAT DOES PLUS RELOCATION MORTGAGE, LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons PLUS RELOCATIONMORTGAGE, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does PLUS RELOCATIONMORTGAGE, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:PLUS RELOCATIONMORTGAGE, LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does PLUS RELOCATION MORTGAGE, LLCprotect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does PLUS RELOCATION MORTGAGE, LLCcollect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

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Important Privacy Choices For ConsumersYou have the right to control whether we share some of your personal information.

Please read the following information carefully before you make your choices below.

Your Rights

You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies weown or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of informationnecessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includessending you information about some other products or services.

Your Choices

Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say "No," wemay share personal and financial information about you with our affiliated companies.

NO, please do not share personal and financial information with your affiliated companies.

Restrict Information Sharing With Other Companies We Do Business With To Provide FinancialProducts And Services: Unless you say "No," we may share personal and financial information about you with outsidecompanies we contract with to provide financial products and services to you.

NO, please do not share personal and financial information with outside companies you contract with to providefinancial products and services.

Time Sensitive Reply

You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise.However, if we do not hear from you we may share some of your information with affiliated companies and other companieswith whom we have contracts to provide products and services.

Name:

Account or Policy Number(s):

Signature:

To exercise your choice do the following:

1. Fill out, sign and send back this form to us (you may want to make a copy for your records); Mail to 1100 VirginiaDrive, Suite 125, Fort Washington, PA 19034, Attn: Compliance Department.

2. Call this toll-free number (888) 673-55213. Visit our website and follow the instructions at www.plusrelocationmortgage.com/legal/privacy-policy/.

1 116539.54 Page       of      

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Rev. 09/19

FACTSWHAT DOES PLUS RELOCATION MORTGAGE, LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons PLUS RELOCATIONMORTGAGE, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does PLUS RELOCATIONMORTGAGE, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:PLUS RELOCATIONMORTGAGE, LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does PLUS RELOCATION MORTGAGE, LLCprotect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does PLUS RELOCATION MORTGAGE, LLCcollect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTSWHAT DOES PREFERRED LENDING SERVICES, LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons PREFERREDLENDING SERVICES, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does PREFERRED LENDINGSERVICES, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:PREFERRED LENDINGSERVICES, LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does PREFERRED LENDING SERVICES,LLC protect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does PREFERRED LENDING SERVICES,LLC collect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTSWHAT DOES SHELTER HOME MORTGAGE, LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons SHELTER HOMEMORTGAGE, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does SHELTER HOMEMORTGAGE, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:SHELTER HOME MORTGAGE,LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does SHELTER HOME MORTGAGE, LLCprotect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does SHELTER HOME MORTGAGE, LLCcollect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTSWHAT DOES SHELTER LENDING SERVICES, L.L.C.  DO WITH YOURPERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons SHELTER LENDINGSERVICES, L.L.C. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does SHELTER LENDINGSERVICES, L.L.C. share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:SHELTER LENDINGSERVICES, L.L.C.ATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does SHELTER LENDING SERVICES,L.L.C. protect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does SHELTER LENDING SERVICES,L.L.C. collect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTSWHAT DOES SHELTER MORTGAGE COMPANY, L.L.C.  DO WITH YOURPERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons SHELTER MORTGAGECOMPANY, L.L.C. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does SHELTER MORTGAGECOMPANY, L.L.C. share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:SHELTER MORTGAGECOMPANY, L.L.C.ATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does SHELTER MORTGAGE COMPANY,L.L.C. protect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does SHELTER MORTGAGE COMPANY,L.L.C. collect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTSWHAT DOES SHELTER MORTGAGE COMPANY, L.L.C.  DO WITH YOURPERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons SHELTER MORTGAGECOMPANY, L.L.C. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does SHELTER MORTGAGECOMPANY, L.L.C. share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:SHELTER MORTGAGECOMPANY, L.L.C.ATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does SHELTER MORTGAGE COMPANY,L.L.C. protect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does SHELTER MORTGAGE COMPANY,L.L.C. collect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Important Privacy Choices For ConsumersYou have the right to control whether we share some of your personal information.

Please read the following information carefully before you make your choices below.

Your Rights

You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies weown or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of informationnecessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includessending you information about some other products or services.

Your Choices

Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say "No," wemay share personal and financial information about you with our affiliated companies.

NO, please do not share personal and financial information with your affiliated companies.

Restrict Information Sharing With Other Companies We Do Business With To Provide FinancialProducts And Services: Unless you say "No," we may share personal and financial information about you with outsidecompanies we contract with to provide financial products and services to you.

NO, please do not share personal and financial information with outside companies you contract with to providefinancial products and services.

Time Sensitive Reply

You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise.However, if we do not hear from you we may share some of your information with affiliated companies and other companieswith whom we have contracts to provide products and services.

Name:

Account or Policy Number(s):

Signature:

To exercise your choice do the following:

1. Fill out, sign and send back this form to us (you may want to make a copy for your records); Mail to 1100 VirginiaDrive, Suite 125, Fort Washington, PA 19034, Attn: Compliance Department.

2. Call this toll-free number (888) 673-55213. Visit our website and follow the instructions at www.sheltermortgage.com/legal/privacy-policy/.

1 116539.54 Page       of      

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Rev. 09/19

FACTSWHAT DOES SUMMIT HOME MORTGAGE, LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons SUMMIT HOMEMORTGAGE, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does SUMMIT HOMEMORTGAGE, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:SUMMIT HOME MORTGAGE,LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does SUMMIT HOME MORTGAGE, LLCprotect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does SUMMIT HOME MORTGAGE, LLCcollect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381

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Rev. 09/19

FACTSWHAT DOES SYNERGY HOME MORTGAGE, LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons SYNERGY HOMEMORTGAGE, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does SYNERGY HOMEMORTGAGE, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:SYNERGY HOME MORTGAGE,LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does SYNERGY HOME MORTGAGE, LLCprotect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does SYNERGY HOME MORTGAGE, LLCcollect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

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Rev. 09/19

FACTSWHAT DOES SYNERGY HOME MORTGAGE, LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons SYNERGY HOMEMORTGAGE, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does SYNERGY HOMEMORTGAGE, LLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:SYNERGY HOME MORTGAGE,LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

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Page 2

What we do

How does SYNERGY HOME MORTGAGE, LLCprotect my personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does SYNERGY HOME MORTGAGE, LLCcollect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -  - DATE -

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Important Privacy Choices For ConsumersYou have the right to control whether we share some of your personal information.

Please read the following information carefully before you make your choices below.

Your Rights

You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies weown or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of informationnecessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includessending you information about some other products or services.

Your Choices

Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say "No," wemay share personal and financial information about you with our affiliated companies.

NO, please do not share personal and financial information with your affiliated companies.

Restrict Information Sharing With Other Companies We Do Business With To Provide FinancialProducts And Services: Unless you say "No," we may share personal and financial information about you with outsidecompanies we contract with to provide financial products and services to you.

NO, please do not share personal and financial information with outside companies you contract with to providefinancial products and services.

Time Sensitive Reply

You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise.However, if we do not hear from you we may share some of your information with affiliated companies and other companieswith whom we have contracts to provide products and services.

Name:

Account or Policy Number(s):

Signature:

To exercise your choice do the following:

1. Fill out, sign and send back this form to us (you may want to make a copy for your records); Mail to 1100 VirginiaDrive, Suite 125, Fort Washington, PA 19034, Attn: Compliance Department.

2. Call this toll-free number (888) 673-55213. Visit our website and follow the instructions at www.synergyhm.com/legal/privacy-policy/.

1 116539.54 Page       of      

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Rev. 09/19

FACTSWHAT DOES YOUR HOME FINANCIAL LLC  DO WITH YOUR PERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit somebut not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This informationcan include:

Social Security number and incomecredit history and credit scoresaccount balances and payment history

How? All financial companies need to share customers' personal information to run their everyday business. In the section below,we list the reasons financial companies can share their customers' personal information; the reasons YOUR HOMEFINANCIAL LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does YOUR HOME FINANCIALLLC share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes Yes

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limitour sharing

Call toll-free (888) 673-5521 -our menu will prompt you through your choice(s) orMail the form below

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you areno longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free (888) 673-5521 ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Mail-in Form

Mark any/all you want to limit:Do not share my personal information with other financial institutions to jointly market to me.Do not share information about my creditworthiness with your affiliates for their everyday business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

City, State, Zip

Loan #

Mail to:YOUR HOME FINANCIAL LLCATTN: COMPLIANCE DEPT1100 VIRGINIA DRIVE,SUITE 125FORT WASHINGTON, PA 19034

    15182.381

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Page 2

What we do

How does YOUR HOME FINANCIAL LLC protectmy personal information?

To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings.

How does YOUR HOME FINANCIAL LLC collectmy personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income informationprovide account information or provide employment informationshow your driver's license

We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about yourcreditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account Ihold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Our affiliates include companies with a SHELTER MORTGAGE COMPANY,L.L.C., SHELTER LENDING SERVICES, L.L.C., PREFERREDLENDING SERVICES, LLC, GUARANTY MORTGAGE SERVICES,LLC, CAPITAL PARTNERS MORTGAGE, LLC, SUMMIT HOMEMORTGAGE, LLC, NEWREZ LLC, CAROLINA ONE MORTGAGE,LLC, PARTNERS UNITED FINANCIAL, LLC, CONWAYFINANCIAL SERVICES, LLC, NEWREZ COMMUNITY LENDINGLLC, SHELTER HOME MORTGAGE, LLC, SYNERGY HOMEMORTGAGE, LLC, MILESTONE HOME LENDING, LLC, PLUSRELOCATION MORTGAGE, LLC; YOUR HOME FINANCIAL LLC;LANDED HOME LOANS LLC name; and nonfinancial companies, such asAVENUE 365 LENDER SERVICES, LLC, SHELLPOINTINSURANCE, LLC, AND ESTREET APPRAISAL MANAGEMENTCOMPANY.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates we share with can include FINANCIAL SERVICESCOMPANIES, MORTGAGE COMPANIES, INSURANCE COMPANIES,DIRECT MARKETING COMPANIES, AND NON-PROFITORGANIZATIONS.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Our joint marketing partners include MORTGAGE LENDERS, HOMEWARRANTY COMPANIES, PAYMENT ACCELERATOR SERVICECOMPANIES, INSURANCE COMPANIES, AND MAINTENANCEREFERRAL SERVICES.

Other important information

FOR VERMONT AND CALIFORNIA RESIDENTS ONLY: THE INFORMATION PRACTICES WE HAVE DESCRIBED ABOVECOMPLY WITH FEDERAL LAW. VERMONT AND CALIFORNIA LAWS PLACE ADDITIONAL LIMITS ON SHARINGINFORMATION ABOUT THEIR RESIDENTS. IF YOU ARE A VERMONT OR CALIFORNIA RESIDENT, WE WILLAUTOMATICALLY LIMIT THE DISCLOSURE OF YOUR INFORMATION WITHIN AND OUTSIDE OUR FAMILY OFCOMPANIES AS PERMITTED OR REQUIRED BY APPLICABLE LAW OR REGULATION.

- BORROWER -   - DATE -

    15182.381