BCI Financial Mortgage Corporation, BCI Financial Corporation and their affiliates are concerned about and respect the privacy of customers’ personal financial information. We understand that our customers furnish sensitive information about themselves to the company in the course of daily business, and we are committed to treating such information responsibly. We know that our customers expect privacy and security for their personal and financial affairs.

We will take appropriate steps to safeguard sensitive information that has been entrusted to us by our customers. The following privacy policy and disclosure outlines our practices regarding personally identifiable financial information for our customers.

SAFEGUARDING CUSTOMER INFORMATION

At BCI Financial Mortgage Corporation, BCI Financial Corporation and their affiliates we protect consumer privacy by restricting access to customer information to those employees who need to know that information to provide products and services to you or as is appropriate under their job responsibilities. A financial privacy coordinator has been appointed who is responsible for maintaining internal procedures designed to ensure that our customers’ information is protected. All employees are trained on our privacy policy at least annually regarding the importance of safeguarding customer information.

TYPES OF INFORMATION WE COLLECT

At BCI Financial Mortgage Corporation, BCI Financial Corporation and their affiliates we collect nonpublic, personal information about you from many sources, including the following:

• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates, or others
• Information we receive about you from a consumer reporting agency

TYPES OF INFORMATION WE DISCLOSE

BCI Financial Mortgage Corporation, BCI Financial Corporation and their affiliates do not now, nor do we intend in the future, to disclose any personal financial information about our customers or former customers to any nonaffiliated third party, except as permitted or required by law. In order to improve service to our customers, we may share information about current or
former customers within our family of affiliated businesses. By sharing this information, we can promote efficiencies and reduce costs to our customers. The type of information that we share may include the following:

• Identification information, such as name, address, and telephone number
• Transactional information
• Loan account experience
• Information we receive from you on applications or other forms
• Information we receive from a consumer reporting agency

Examples of the types of businesses we are or may become affiliated with are listed below:

• Mortgage banking companies
• Insurance companies
• Brokerage companies
• Finance companies
• Banks

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:

• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates, or others

We will require these companies to comply with strict standards of security and confidentiality, and they are not permitted to release, use, or transfer any customer information to any other party for their own purposes.

Our Privacy Notice may be revised from time to time as necessary to reflect changes in the law or our policies. If changes are made, you will receive a revised notice. In addition, we will send our current customers an up-to-date Privacy Notice at least annually. We thank you for your trust and will work hard to maintain it. If you should have any questions, please contact BCI Financial at (203) 439-9400 Ext 422 or toll free at 1-866-224-2677 Ext 422.