Privacy Policy

PacificFirst Mortgage Privacy Notice

At PacificFirst Mortgage we value the trust you have placed in us, and we are committed to earning and maintaining your confidence. We understand there is certain information you do not want to share with everyone, and we are just as concerned about safeguarding the information you provide to us. This Privacy Policy is provided to you by each of the companies within the PacificFirst Mortgage family that are listed at the end of this Privacy Policy. For convenience, these companies and the reference to "we," "us," "our," "ours," shall be referred to as "PacificFirst Mortgage." The words "you," "your," or "yours" refer to each individual who is one of our customers or former customers and other individuals who obtain or request a financial product or service from us.

Information Collection

This Privacy Policy describes the types of information we collect, how we use that information and the limited circumstances under which we will share it. We collect information about you that we believe will be necessary or useful in processing or administering products or services that you have requested from us.

Maintenance of Accurate Information

PacificFirst Mortgage works hard to ensure that your information is as accurate, current and as complete as possible. If you ever find that our records are inaccurate or not current, please contact us at the telephone number provided, if the record is within our control, we will correct any inaccurate or incomplete information.

Security Procedures to Protect Customer Information

Access to our systems containing non-pubilc personal information is only provided to those employees and agents with whom we determine need it for the purpose of providing products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.

Information Sharing Within Our Affiliated Family of Companies

There are times when we will share a portion of your non-public personal information with our affiliated companies that either currently exist or that we may create or acquire in the future. However, we will only do so in order to provide you with superior service, inform you of product and service opportunities that may be of interest to you, improve and develop our products and services, or perform other business functions. An "affiliated company" or "affiliate" is any member of our family of companies or any company that PacificFirst Mortgage owns or controls.

Affiliated companies may be any of the following:

• Financial service providers, such as consumer lending and mortgage banking companies, insurance agencies, trust companies, and companies that provide settlement services, such as title agencies, escrow companies and appraisal firms.

We may disclose all of the information we collect (described In Information Collection, above) to our affiliates. The types of information we may share with our affiliates include (i) identifying information, (ii) information about our experiences and transactions with you, such as loan balance and/or payment history (we call this Experience Information), and (iii) information about you or the products or services you obtain from us other than Identifying Information or Experience Information. You will be given the choice of restricting our sharing of certain information about you with our affiliates.

Information Sharing with Unaffiliated Third Parties

Unlike some other financial institutions, we do not sell customer lists or other information about our customers to unaffiliated third parties. We may share non-public personal information about you with unaffiliated third parties as described below. In order to efficiently and cost-effectively market our own products, we contract with companies providing marketing and solicitation services, such as printers, marketing fulfillment firms and other companies. As part of these activities, we may provide limited Information about our customers to such parties. In such cases, PacificFirst will always be identified in the joint marketing materials or solicitation.

Our Former Customers

Rest assured that even if you are no longer a customer of PacificFirst, we will continue to treat the information we have with the same level of confidentiality. We appreciate your business and want you to understand our commitment to maintaining the privacy of your personal information, as expressed in this Privacy Policy. This Privacy Policy applies to individual consumers. We reserve the right to amend this Privacy Policy at any time.

Notice Regarding Rights Under State Laws

We will also comply with applicable State laws that provide you with greater privacy rights, to the extent not pre-empted by Federal law.

Notice to Vermont Residents: It is not necessary for you to exercise the privacy choices that follow to protect your privacy rights under applicable State law.

Your Rights

You have rights to restrict the sharing of personal and financial information with our affiliates and outside companies that we do business with. You also have the right to limit our affiliates from marketing their products and services to you based on information that we share with them. Nothing prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about additional products or services.

Our Family of Companies

Pacific First Mortgage, Pacific First Escrow Services, Pacific Investment Financial Inc., Pacific Investment Properties