Zero Point Mortgage, Inc
PRIVACY NOTICE FOR OUR CUSTOMERS

Zero-Point Mortgage, Inc. understands that you expect privacy and security for your personal financial affairs. By explaining our Privacy Policy to you, Zero-Point Mortgage, Inc.'s goal is to provide you with a better understanding of our polices and explain how we collect, disclose, and handle your private information. This privacy policy explains how you can limit our disclosure of your personal information through "opting out". All provisions detailed within this policy apply to both past and current customers.

CONFIDENTIALITY
At Zero-Point Mortgage, Inc. we take our responsibility to safeguard your private information seriously. To protect you and your personal information from unauthorized use, we only allow authorized Zero-Point Mortgage Inc.'s employees process your loan application and communicate with you. We maintain strict compliance with federal standards to secure information about you from unauthorized individuals, alteration and destruction. Some examples of how we seek to protect you are:

• Zero-Point Mortgage, Inc. has company policies and procedures in place that provide maximum protection of your personal information taken during the application and processing of applications.
• Restrict physical and other access to your nonpublic, personal information to only persons with a legitimate need to know this information.
• Required third parties doing business with us to comply with all privacy and security laws.
• Provide a private computer network that is protected by firewalls and security maintenance procedures.
• We use secured internet connection to gather your information and forward to those who will act upon it.

We do not disclose any non-public information about our customers or former customers to anyone except as permitted by law. There are occasions when we enter into agreements with other companies to provide services to us or make products and services available to you. In these agreements, companies may receive information about you, but they are under an obligation to safeguard this information and may not use it for other purposes.

HOW WE GATHER INFORMATION
As part of providing you with financial services, we may obtain information from the following sources:

• Information from you through; applications, forms, via the Internet, by telephone or mail. This information includes, but is not limited to your name, address, employment, income, and credit references.
• Information from consumer reporting agencies. This includes information about your credit worthiness, and financial circumstances, including bankruptcies and foreclosures.
• Information you give to us in a telephone call, letter, or e-mail you send to us.
• Information from service providers that may include the appraised value of your home, payment records and the status of your property taxes and homeowners/flood insurance premiums. Information we gather as a result of servicing your loan that may include, payment history, property taxes and insurance records. Information provided to us when completing an on-line loan application at our website.
• From third parties to verify information you have given us.

CHANGES TO OUR PRIVACY POLICY
We may make changes to our privacy policy in the future. However, we will not make changes affecting you without first sending you a revised privacy policy describing these changes.

FORMER CUSTOMERS
Zero-Point Mortgage, Inc. treats information about our former customers the same manner in which we treat information on current customers.

INFORMATION WE SHARE
We may disclose information we have about you as permitted by law. We are required or permitted to provide information about you to third parties without your consent, as permitted by law. Examples of third parties are:

• Regulatory agencies and law enforcement officials
• Consumer reporting agencies.
• Credit Bureau
• Institutions to protect you from fraud, unauthorized transactions, claims or other liability.
• Judges or court orders; such as answering a subpoena.

Additionally we may provide information about you to service providers to help us process your applications or service your accounts. Our service providers may include lenders, investors, title and escrow companies, billing, mail, and telephone providers.

We may also disclose information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. This information includes only information we deem appropriate for these providers. We do not provide any information about you to any company unless you authorize us. Also, these companies are not permitted use of your information beyond your specific authorization.

YOUR RIGHT TO OPT OUT
If you do not want us to share your nonpublic information with nonaffiliated third parties, you can block the release of certain nonpublic personal information. This is known as your right to opt out. If you wish to opt out you may do so. Or you may contact a compliance department employee at the address and phone number listed below:

Zero-Point Mortgage, Inc.
102 S. Riverside Drive
New Smyrna Beach, FL 32168
(386) 409-3902