Option One is committed to protecting consumers’ and borrowers’ non-public personal information at all times. To that end, we employ and maintain extensive physical, electronic, and procedural safeguards to ensure your non-public personal information is protected before you become a customer, while you are a customer, and when you are no longer a customer of Option One. In addition, we monitor technical enhancements and practices in the field of Information Security and Privacy to ensure our safeguards remain an effective tool in protecting your non-public personal information.

How and Why We Collect Personal Information:
You provide nonpublic personal information to us so that we may help you try to meet your financial goals. Such information allows us to process your requests and transactions, keep you apprised of products and services that may be of interest to you, and enhance customer service by better understanding your financial needs. This information may include:

Information we receive from you on applications or other forms (such as phone, Social Security and account numbers, assets, income and employment history);

·	Information about your transactions with us, our affiliates or others (such as your loan balance, payment history and other account information);
·	Information we receive from mortgage settlement service providers (such as consumer reporting agencies);
·	Information collected from your web browser when you visit our websites (such as date, time and areas of our websites that were visited).

Information We Collect When You Browse Our Website
We do not access information about your identity while you browse our website. Although we collect information about the date, time and area of our website that you visited, you remain anonymous to us. Only if you decide to apply for a loan with us directly or through a broker, do we collect any personally identifying information about you.

Types of information that Option One Discloses:
We may disclose all of the information that we collect, as described above.

Categories of Affiliates and Non-affiliated Third Parties that Receive Information from Option One:
We may disclose nonpublic personal information about you to the following types of affiliates (within the Option One family of companies) and nonaffiliated third parties (outside the Option One family of companies):

·	Financial service providers, such as mortgage lenders, mortgage bankers, banks, securities brokerdealers, tax preparers, financial advisors and insurance agents.
·	Non-financial companies, such as retailers, direct marketers, airlines, publishers and non-profit organizations.

We may also disclose nonpublic personal information about you to affiliated and non-affiliated third parties as permitted by law. Affiliates and non-affiliated third parties that receive your nonpublic personal information agree to keep that information confidential and to use it for only the function that we ask them to perform.

Marketing Services and Agreements:
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

How We Protect Your Personal Information and Your Privacy:
We restrict access to nonpublic personal information about you to those employees and agents who we determine need to know that information to provide products or services to you, service your account, or maintain the systems that support your account. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public information.

Changes to Our Privacy Policy; Notice
We reserve the right to amend (add to, delete from, or change) the terms of this Privacy Policy from time to time. In addition to posting our Privacy Policy, as long as you are a customer, we will also provide you annually with a copy of our Privacy Policy, and we will inform you of changes as required by law.

No Action is Required By You If You Wish To Permit Information Sharing As Described Above:
Please consider that if you opt out of information sharing your name may be excluded from mailings or other communications that may be of interest to you. Examples may include information about special promotions or other direct marketing programs.

ACTION WILL BE REQUIRED BY YOU TO RESTRICT YOUR INFORMATION SHARING

How to restrict your information sharing:
You can direct us not disclose nonpublic personal information about you to affiliated parties for marketing purposes. You can also direct us not disclose any nonpublic personal information about you to nonaffiliated third parties. You may opt out of those disclosures, that is, you may direct us not to make those disclosures. However, the right to opt out does not apply to disclosures permitted by law. The manner of exercising the right to opt out is described below.

Notice to Vermont, North Dakota, New Mexico and California Residents:
The information sharing practices described above are in accordance with Federal law. State law in Vermont, North Dakota, New Mexico and California, places additional limits on sharing information. In accordance with these laws, Option One will not share information we collect except:

·	As required or permitted by law (such as in response to a subpoena) or;
·	To companies that perform services on our behalf (such as billing services) or;
·	With your authorization or consent.

How to Exercise Your Right to Opt Out From the Disclosure of Your Information:
If you wish to exercise your right to opt out from the disclosure of information to nonaffiliated third parties as described above and the disclosure of information to our affiliates as described above, you may complete the form below and send it to us at:

Option One Mortgage
Opt Out Department
P.O. Box 57054
Irvine, CA 92619

If you opt out, it will only apply to the information described above. If you have a joint account, any party on the account can exercise the right to opt out, and that opt out will apply to all parties on the account.
Once you have opted out, it will remain in effect until revoked.