At Access Loss Mitigation, we are committed to respecting and protecting our clients’ privacy. This Privacy Notice explains how we collect, use, share and protect our clients’ personal and financial information. Please read this notice carefully to understand what we do.

How We Collect and Use Your Information
The types of personal information we collect and share depends on which of our services you use. We collect this information from various sources, including:

• Information you provide on applications, forms and in other communications to us (such as your name, address, account numbers and Social Security number);
• Information from you and your lender regarding your financial situation that allows us to structure a loss mitigation solution (such as payment history, employment information, and income and expenses);
• Information from outside companies (such as a property valuation);
• Information about your transactions with us, our affiliated companies, or others (such as whether you obtain a loan modification or short sale); and
• Information we receive from a consumer reporting agency (such as your credit history and credit scores).

ALM uses this personal information for business purposes in compliance with applicable laws and regulations. We may share some or all of the information that we collect.

We disclose this information as necessary to provide the services you request from us. We may also disclose some of this data to third parties (such as our regulators). We may share some of this information with companies providing services on our behalf (such as a marketing vendor). These service providers agree contractually to keep the information confidential and not use it for another purpose. We may also provide all of this information to one or more of our affiliated companies, including affiliated investors, for marketing or other reasons. We may also share this information with other financial institutions under a joint marketing agreement to offer you other financial products or services.

When you are no longer our customer, we may continue to share information about you as described in this notice.

You Have Choices
You may limit how we share your personal information. Unless you opt out, we may share personal and financial information about you with affiliates and with outside companies we may contract with to offer other products and services. You have two opt-out choices.

(1) Opt out of information sharing outside our family of companies

This choice will stop us from sharing nonpublic personal information with our carefully screened business partners to offer other products and services to you.

(2) Opt out of information sharing within our family of companies

This choice will stop us from sharing nonpublic personal information with our affiliates.

We will honor the choices you make. Your choices will apply to every account holder. You may change your preferences at any time. If you opt out, we may continue to share nonpublic personal information with our service providers (such as companies marketing on our behalf), with third parties as required or permitted by law (such as regulators), and share transactions and experience information with our affiliates.

If you want to opt out, call us toll-free at 877-ALM-5450 ext. 595.

Notice to California Residents: When you request services from us, we will provide a separate short form notice describing the rights of California residents to opt out under California law. We will limit sharing among our companies to the extent required by applicable California law.

Security Safeguards
ALM maintains security measures to protect client information against unauthorized access and disclosure. These measures include implementing computer safeguards and securing files and buildings. ALM also trains employees on data handling and confidential treatment of client information.

Access and Correction
We strive to maintain complete and accurate information about you. If you believe that our records contain inaccurate or incomplete information about you, please notify us by calling customer service at 877-ALM-5450 ext. 595, sending us an email at privacy@accesslossmitigation.com, or writing to us at the address listed below. We will act promptly to investigate the complaint and correct any inaccurate or misleading information.

Updates to Privacy Practices
If we make material changes to our privacy practices, we will post these changes on our Website to keep you informed of how we collect, use, share and protect customer information. We will also notify you of material changes by sending an updated Privacy Notice when required by law.

For Further Information
If you have questions or concerns about our Privacy Policy or how your information is maintained and used, please contact ALM, or write to us at:

Access Loss Mitigation
Information Privacy
6837 Hayvenhurst Ave.
Lake Balboa, CA 91406

Effective Date: August 1, 2009