This privacy policy notice is designed to inform you of the types of information Select Portfolio Servicing, Inc. ("Company") may maintain or collect during the course of our relationship with you. It also explains the safeguards we have in place to protect that information and the circumstances under which we may share that information with other companies.

We maintain and collect nonpublic personal information about you as necessary to service your loan. We also may maintain or collect information about you to enable us to provide products, services, and other opportunities that we believe may be of interest or benefit to you. The following are examples of the types of nonpublic personal information we maintain or collect:

• Information that you provided in writing or verbally in connection with your loan or applications, or other forms, such as your name, address, social security number, income, or assets and liabilities.
• Information about your transactions with us, our affiliates, or other parties, such as your payment history, account balance, and parties to transactions.
• Information we receive from consumer reporting agencies, such as your credit worthiness and credit history.

To provide you with efficient service and inform you of opportunities that may be of interest to you, we may share all or part of the personal information that we maintain or collect, as described in Section 1, with nonaffiliated companies. We may share this information with the following types of nonaffiliated companies, among others, UNLESS YOU TELL US NOT TO DO SO, BY EITHER SIGNING AND RETURNING THE FORM PROVIDED OR CLICKING ON THE OPT-OUT BOX PROVIDED BELOW:

• Financial service providers such as credit card issuers, finance companies, insurance companies, banks, and mortgage companies; and
• Non-financial companies such as retailers, airlines, marketing companies, manufacturers, and publishers.

PLEASE NOTE THAT WE MAY ALSO SHARE NONPUBLIC PERSONAL INFORMATION ABOUT YOU, AS DESCRIBED IN SECTION 2, TO COMPANIES THAT PERFORM SERVICES ON OUR BEHALF, OR TO COMPANIES WITH WHICH WE HAVE JOINT MARKETING AGREEMENTS, EVEN IF YOU SIGN AND RETURN THE OPT-OUT FORM PROVIDED OR CLICK THE OPT-OUT BOX BELOW. WE RESERVE THE RIGHT TO DO SO, NOTWITHSTANDING YOUR OPT-OUT, WHERE SUCH SHARING IS INCIDENTAL TO SERVICING YOUR LOAN OR THE PROVISION OF OTHER PRODUCTS OR SERVICES TO OUR INDIVIDUAL CUSTOMERS.

Under the federal Fair Credit Reporting Act, there is certain information about you that we may not share with our affiliates if you tell us not to by signing and returning the form provided or clicking on the opt-out box below. This information may include, among other things, the following:

• Information we obtain from your loan application, such as your income, assets and liability information, and marital status;
• Information we obtain from a consumer report, such as your credit score or credit history;
• Information we obtain to verify representations made by you, such as other financial obligations you may have; and
• Information we obtain from a person or company regarding that person’s or company’s employment, credit or other relationship with you, such as your current employment relationship or what debts you owe.

The categories of affiliated companies who may receive the above information include:

• Financial service providers, such as an insurance agency; and
• Non-financial companies, such as companies that perform property evaluation services.

Please note that even if you direct us not to share the information described in Section 3, we are permitted to share with our affiliates information about transactions or experience between you and us.

Under law, we may disclose nonpublic personal information about you that we maintain or collect, as described in Section 1, to companies that perform services on our behalf or to other financial institutions with which we have joint marketing agreements. The categories of third parties providing these services may include, among others the following:

• Financial service providers such as credit card issuers, finance companies, insurance agencies or companies, banks and mortgage companies; and
• Other service providers such as tax vendors, print vendors, software programmers, reconveyance companies, mortgage insurance providers and property evaluation companies

We restrict access to nonpublic personal information about you to those employees who need to know that information and to those companies or individuals that provide services to us, and in order to provide or offer products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Our privacy policy for nonpublic personal information about former customers is the same as our policy for current customers.

You may opt-out and thereby limit our use of your personal non-public information detailed above in one of two ways:

By printing, completing, and returning this form, you may opt out and direct us not to disclose nonpublic personal Information about you, except as permitted by law, to:

• Nonaffiliated third parties as described in Section 2, and
• Affiliated third parties as described in Section 3.

We will consider an opt-out by any joint customer as an opt out by all customers. If you have previously indicated your desire to opt out, you do not need to respond again.

Select Portfolio Servicing, Inc. automatically collects and / or tracks (or reserves the right to collect or track):

• The home server domain names, e-mail address, type of client computer, and type of Web browser of visitors to this site,
• The e-mail address of visitors that communicate with Select Portfolio Servicing, Inc. via e-mail, post messages to Select Portfolio Servicing, Inc.'s chat groups or rooms,
• Information knowingly provided by the visitor in on-line forms, registration forms and surveys (“Registration Data”), and
• A user specific information on what page visitors access

Select Portfolio Servicing, Inc. also places or reserves its right to place Internet cookies on visitor’s hard drives. Internet cookies save the visitor’s name, password, user-name, screen preference, the page of the Company’s website viewed by the visitor, and the advertisements (if any) or links viewed or clicked by the visitor. When the visitor revisits Select Portfolio Servicing, Inc.'s website, the Company will recognize the visitor by the Internet cookie and may customize the visitor’s experience accordingly. Internet cookies are stored on the visitor’s hard drive and are not stored, in any form, by Select Portfolio Servicing, Inc. Visitors may decline the Internet cookie by using the appropriate feature of the Web client software, if available.