1st American Freedom Mortgage, llc, recognizes the sensitive nature of your non-public personal information and understands how important privacy is to our customers. Therefore, we are committed to maintaining the confidentiality, integrity and security of your non-public personal information. This Privacy Policy describes our efforts to meet these objectives and how your non-public personal information is used.

Information We Collect

1ST AMERICAN FREEDOM MORTGAGE, LLC collects non-public personal information about you from the following sources:

• Application Information - information that you provide to 1ST AMERICAN FREEDOM MORTGAGE, LLC on applications and through other means. Examples include your assets, income and debt;
• Transaction and Experience Information - information about your transactions and account experience with 1ST AMERICAN FREEDOM MORTGAGE, LLC;
• Consumer Eligibility Information - information from a consumer report. Examples include your creditworthiness and credit history; and
• Information from Outside Sources - information from outside sources regarding your employment, credit and other relationships. Examples include your employment history, loan balances, credit card balances, property insurance coverage and other verifications.

Information We Disclose

From time to time, 1ST AMERICAN FREEDOM MORTGAGE, LLC may share your non-public personal information with an 1ST AMERICAN FREEDOM MORTGAGE, LLC corporate affiliate or a non-affiliated third party if we believe that corporate affiliate or non-affiliated third party can offer a product or a service of possible interest to you (please see opt out instructions below). For example, we may disclose non-public personal information about you to the following types of third parties:

• Financial service providers, such as mortgage bankers, securities broker-dealers, credit card providers, insurance agents and underwriters;
• Non-financial companies, such as retailers, direct marketers, airlines, and publishers; and
• Others, such as non-profit organizations.

1ST AMERICAN FREEDOM MORTGAGE, LLC may also disclose non-public personal information about you to non-affiliated third parties as permitted by law. Examples of when 1ST AMERICAN FREEDOM MORTGAGE, LLC is legally permitted to share non-public personal financial information with non-affiliated third parties include, but are not limited to, the following situations:

• To process a transaction at the request of a customer;
• With the consent or at the direction of a customer;
• To protect the confidentiality and security of a customer's information;
• To prevent fraud;
• For institutional risk control or resolution of customer disputes;
• To consumer reporting agencies;
• In compliance with other laws or regulations or in accordance with legal process, such as a subpoena; and
• To companies that perform services on our behalf or to other financial institutions and non-affiliated third parties with whom we have joint marketing agreements.

Your Right to Opt Out of Disclosure of Credit Eligibility Information to 1ST AMERICAN FREEDOM MORTGAGE, LLC Corporate Affiliates and/or Non-Public Personal Information to Non-Affiliated Third Parties

We respect your choices related to privacy. You may tell us not to share credit eligibility information with 1ST AMERICAN FREEDOM MORTGAGE, LLC corporate affiliates and/or not to share non-public personal information with non-affiliated third parties. If you wish to opt out of such information sharing, please inform us as follows:

• Call us toll-free at 678-924-0780;
• Send a letter in an envelope addressed to 1st American Freedom Mortgage, llc., Attn: Opt Out Notification, 2775 Cruse Road suite 2602, Lawrenceville, GA 30044. Please include your full name, Social Security Number, loan number, address and telephone number.

Please be advised that your opt out will take effect as soon as reasonably practicable.

Note: Even if you exercise your right to opt out as discussed above, 1ST AMERICAN FREEDOM MORTGAGE, LLC may share information about you with its corporate affiliates and with non-affiliated third parties as permitted by law. For example, corporate affiliates are permitted to share with each other information about their respective transactions and experiences with you (such as your account balance and your payment practices).

Employee Access to Customer Information and Security Procedures

1ST AMERICAN FREEDOM MORTGAGE, LLC understands that the protection of your non-public personal information is of the utmost importance. Therefore, 1ST AMERICAN FREEDOM MORTGAGE, LLC maintains physical, electronic and procedural safeguards in order to maintain the security, confidentiality and integrity of your non-public personal information. We continually review our policies and procedures, monitor our computer networks, and test our security to ensure the safety of customer information. 1ST AMERICAN FREEDOM MORTGAGE, LLC restricts access to your non-public personal information to only those employees who have a legitimate business reason to know such information, and we educate our employees about the importance of confidentiality and customer privacy. Employees who violate 1ST AMERICAN FREEDOM MORTGAGE, LLC's Privacy Policy will be subject to disciplinary action which may include immediate termination of employment.

Quality Assurance Notice

To ensure that our customers receive quality service, 1ST AMERICAN FREEDOM MORTGAGE, LLC randomly selects telephone calls for monitoring. These telephone calls, between our customers and employees, are evaluated by supervisors in order to guarantee that prompt, consistent assistance and accurate information is delivered in a professional manner.

USA PATRIOT ACT Notice

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who obtains an extension of credit.

What this means for you:

When you submit an application for credit, 1ST AMERICAN FREEDOM MORTGAGE, LLC is required to ask for your name, date of birth, residential address, mailing address (if different), social security number and other information that will allow us to identify you. 1ST AMERICAN FREEDOM MORTGAGE, LLC may also ask to see your driver's license or other identifying documents and use resources such as credit bureaus or other means to verify this identity information.

How You Can Help Protect Your Privacy

You can help protect the confidentiality of your personal information and your account with us by following a few basic guidelines. Remember that 1ST AMERICAN FREEDOM MORTGAGE, LLC will never call and ask you for personal account information that we already know. If you call us, we will ask you to confirm personal information to establish your identity before we release information about your account. Contact us at 678-924-0780 to report any unusual or suspicious request for confidential information from someone who claims to be an employee of 1ST AMERICAN FREEDOM MORTGAGE, LLC. If you receive one of these requests, ask the caller for their name and telephone number, hang up and call 1ST AMERICAN FREEDOM MORTGAGE, LLC to confirm the identity of the caller. Never give out account information, credit card or social security numbers, mother's maiden name or other personal information to someone you do not know, unless you initiate the contact. Be sure you receive and review your account statements on a timely basis. Fraud can involve attempts to change your address so you never see the fraudulent transactions on your account statement. Make sure that you have authorized all the charges made to your account and report any discrepancies. Visit the federal government's website www.consumer.gov to learn more about privacy, fraud and identity theft.