DEAR VALUED CUSTOMER,

AT QUALITY LENDERS INC.,

WE UNDERSTAND THAT YOU EXPECT US TO RESPECT AND PROTECT THE INFORMATION YOU PROVIDE TO US. WE HAVE ALWAYS TREATED OUR CUSTOMER'S PRIVILEGED INFORMATION WITH UTMOST CONFIDENTIALITY. THIS STATEMENT DESCRIBES THE TYPES OF NONPUBLIC PERSONAL INFORMATION ABOUT YOU THAT WE COLLECT AND THE ACTIONS WE TAKE TO PROTECT THE CONFIDENTIALITY AND SECURITY OF THIS INFORMATION.

OUR PRIVACY POLICIES AND PRACTICES

WE COLLECT NONPUBLIC PERSONAL INFORMATION ABOUT YOU FROM THE FOLLOWING SOURCES:

•INFORMATION RECEIVED FROM YOU ON APPLICATIONS OR OTHER FORMS YOU COMPLETE, SUCH AS YOUR NAME, ADDRESS, AND SOCIAL SECURITY NUMBER, EMPLOYMENT INFORMATION, E-MAIL ADDRESS AND OTHER SUCH INFORMATION.
•INFORMATION WE RECEIVE FROM OTHER PARTIES, SUCH AS REFERENCE INFORMATION AND EMPLOYMENT INFORMATION.
•INFORMATION ABOUT YOUR TRANSACTIONS WITH US, OUR AFFILIATES OR OTHERS.
•INFORMATION WE RECEIVE FROM CONSUMER REPORTING AGENCIES.

WE WILL NOT DISCLOSE ANY NONPUBLIC PERSONAL INFORMATION ABOUT OUR CUSTOMERS OR FORMER CUSTOMERS TO ANYONE, EXCEPT AS PERMITTED BY LAW.

WE MAY DISCLOSE THIS INFORMATION TO NON-AFFILIATED THIRD PARTIES AS PERMITTED BY LAW. IN GENERAL, OUR DISCLOSURES ARE TO PARTIES THAT PROVIDE SERVICES FOR US SO THAT WE MAY MORE EFFICIENTLY PROCESS THE TRANSACTIONS AND SERVICES YOU REQUEST.

WE MAY ALSO DISCLOSE NONPUBLIC PERSONAL INFORMATION ABOUT YOU TO THOSE EMPLOYEES WHO NEED TO KNOW THAT INFORMATION IN ORDER TO PROVIDE PRODUCTS OR SERVICES TO YOU. WE MAINTAIN PHYSICAL, ELECTRONIC, AND PROCEDURAL SAFEGUARDS THAT COMPLY WITH FEDERAL REGULATIONS TO GUARD YOUR NONPUBLIC INFORMATION.

ANY CONTROVERSY OR CLAIM ARISING OUT OF OR RELATING TO OUR PRIVACY POLICY, OR THE BREACH THEREOF, SHALL BE SETTLED BY ARBITRATION IN ACCORDANCE WITH THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION, AND JUDGMENT UPON THE AWARD RENDERED BY THE ARBITRATOR(S) MAY BE ENTERED IN ANY COURT HAVING JURISDICTION THEREOF.

IF YOU HAVE ANY QUESTIONS OR COMMENTS REGARDING OUR PRIVACY POLICY, PLEASE LET US KNOW, REST ASSURED THAT PRIVATE INFORMATION PROVIDED TO US IS TREATED WITH THE UTMOST CONFIDENTIALITY.

SINCERELY,

QUALITY LENDERS INC.