Lighthouse Real Estate Solutions

We Want You to Know

Lighthouse Real Estate Solutions is committed to protecting your privacy. We've prepared this policy to help you understand what information we collect about you, as well as when we may disclose your information. The policy also contains important information about the safeguards we maintain to protect your personal information and about establishing your communication preferences.

This privacy policy is from Lighthouse Real Estate Solutions Inc. and their subsidiaries ("we", "our" or "us") for our applicants and customers ("you" or "your"). This privacy policy is applicable to all financial services and products we offer. It replaces our previous privacy policy.

Personal Information We Collect
When you submit personally identifiable information ("personal information") about yourself to us, such as in a returned form on our Web site, that information is covered by this policy. We collect and maintain personal information primarily to provide products and services to you and administer your relationship with us. We collect and maintain the following types of personal information about you from the following sources:

Information you provide to us on applications or other forms, such as your name, address, social security number.
Information about your transactions with us, our affiliates, or others, including completed transaction history.
Information we receive from consumer reporting agencies, which include such information as your credit history
Information we obtain from outside sources to verify information provided by you or from marketing research and information companies, such as demographic and other information for marketing purposes
Information about your visits to our Web site, including the pages of our site you view or the Web site from which you linked to our site (see the Information we collect about your visit to our Web site section below)
Information provided by you about your bank account, if you choose our automated payment option

What we do with your personal information
We use your personal information with the goal of providing you products and services we believe you may be interested in, and to give you better service and understand your needs.

Information we collect about your visit to our Web site
We may set and access cookies on your computer or use other methods to gather information about your visit to our Web site ("cookies"), such as your Internet Protocol address, operating system or browser. We may collect information about which site referred you to us, the time you spent on our site or the pages you viewed.

Personal Information We Disclose
We do not disclose any personal information about our customers or former customers to anyone, except as permitted or required by law. Some examples of disclosures of your personal information that we may make include the following:

Disclosures that you authorize or that are necessary to provide you a loan or other product or service that you request, such as disclosures to fund your loan or sell your loan to another lender or an investor
Disclosures we make with your consent or at your direction
Disclosures to other companies which may be involved in collecting your account
Disclosures to protect the security or confidentiality of our records or to protect against fraud or unauthorized transactions
Disclosures to law enforcement or other government authorities when we suspect a crime may have been committed
Disclosures in conjunction with credit reporting, including disclosures to a credit reporting agency
Disclosures in connection with compliance, regulatory or financial audits of our records, including requests for information and audits by our lenders
Disclosures to comply with a legal requirement such as a court order or subpoena

Service Providers and Financial Institutions to Whom We Disclose Personal Information
We may disclose all of the personal information we collect, as described in the Personal Information We Collect section above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Some examples of how we may disclose your personal information in such cases are as follows:

We may hire another company to provide services for us and we may provide those companies information about you, such as a mailing company or e-mailing company to send you new product offers or legally required notices on our behalf
We may use research companies that help us maintain our record of current addresses for our customers or help us better serve our customers' needs by providing demographic or other information
Former Customers
After you complete services for us, if you stop doing business with us for some reason, your personal information will continue to be covered by this policy to the extent we continue to maintain your personal information in our records.

Communication Preferences
We will send communications to your e-mail or mailing address to maintain your loan. In addition, we want to help you learn more about products or services we offer, so we may send you information about additional products and services or an occasional newsletter. We may also offer products or services provided by other companies. However, if you do not want to receive marketing and general-interest communications from us, you will be provided with a means to opt out. This option is available beginning the day you submit any application.

Security
We restrict access to your personal information to those employees who need to know that information to provide products or services to you. We train our employees to understand the importance of consumer confidentiality and require each employee to sign a written privacy pledge. We maintain physical, electronic and procedural safeguards to protect customer personal information. We regularly test, review, and update our technology and procedures for protecting personal information in accordance with this policy. Currently, we use technology called SSL, or Secure Sockets Layer, to protect the security of your personal information, to encrypt your communications to us, and to certify to you that you are logged on to our Web site. Whether you are supplying information on our site or one of our partners' sites, SSL provides protection for your personal information even though some partner sites do not display the secured site indication.

What you can do
You can do your part to protect the privacy of your personal information by taking a few simple steps: Sign off and close your Internet browser when you are finished, keep all passwords secret, and use our secure Account Services function when you need to give us more information or update your information in our files. If you are uncomfortable with cookie technology, you can set your Web browser or use security software to help you control the placement of cookies on your computer.

How to Contact Us
If you have questions regarding this statement, please e-mail us at privacy@lrescorp.com or write to us at Lighthouse Real Estate Solutions Inc. , 765 The City Drive South Suite 300, Orange, California 92868 Attention: Chief Privacy Officer.

Additional Information
This policy is available on our Web site at www.lrescorp.com/privacy.htm. You may also contact us as described in How to Contact Us above to obtain a printed copy of our policy. We reserve the right to update or amend this policy at any time and will notify you of changes as required by law.

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