Privacy Policy

Revised October 2016

WHAT DOES SIERRA PACIFIC MORTGAGE 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
• Account balances and payment history
• Credit history and credit scores

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 Sierra Pacific Mortgage chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information:

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.
Does Sierra Pacific Mortgage share? Yes
Can you limit this sharing? No

For our marketing purposes…
To offer our products and services to you.
Does Sierra Pacific share? Yes
Can you limit this sharing? No

For joint marketing with other financial companies…
Does Sierra Pacific Mortgage share? No
Can you limit this sharing? We do not share.

For our affiliates’ everyday business purposes…
—Information about your transactions and experiences
Does Sierra Pacific Mortgage share? No
Can you limit this sharing? We do not share.

For our affiliates’ everyday business purposes…
—Information about your creditworthiness
Does Sierra Pacific Mortgage share? No
Can you limit this sharing? We do not share.

For our affiliates to market to you…
Does Sierra Pacific Mortgage share? No
Can you limit this sharing? We do not share.

For non-affiliates to market to you…
Does Sierra Pacific Mortgage share? No
Can you limit this sharing? We do not share.

To limit our sharing:
Visit www.sierrapacificmortgage.com
Call: 1-800-447-3386
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.

To limit direct marketing contact:
Visit www.sierrapacificmortgage.com
Call 1-800-447-3386
Please note:
Direct marketing is email, postal mail and telephone marketing. Your telephone and postal mail opt-out choices will last for five years, subject to applicable law. Even if you limit direct marketing, we may still contact you to service your account or as otherwise allowed by law.

Questions?
Call toll-free 1-800-447-3386, or go to www.sierrapacificmortgage.com

WHO WE ARE:

Who is providing this notice?
Sierra Pacific Mortgage

WHAT WE DO:

How does Sierra Pacific Mortgage protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also contractually require third parties doing business with us to comply with all privacy and security laws.

How does Sierra Pacific Mortgage collect my personal information?
We collect your personal information, for example, when you:

• Apply for a loan or give us your income information
• Provide employment information or give us your contact information
• Provide account information

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 your creditworthiness
• Affiliates from using your information to market to you
• Sharing for non-affiliates 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 I hold 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 and nonfinancial companies.

Non-affiliates:
Companies not related by common ownership or control. They can be financial and nonfinancial companies.

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

Do Not Call Policy:
This notice is the Sierra Pacific Mortgage Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. Sierra Pacific Mortgage associates receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Sierra Pacific Mortgage will be placed on the Sierra Pacific Mortgage Do Not Call list and will not be called in any future campaigns, including those of Sierra Pacific Mortgage affiliates. If you communicate with us by telephone, we may monitor or record the call.