PFS, Inc. respects your right to privacy. In our business, you may provide us with confidential information
about your financial affairs, and we understand and appreciate the importance of maintaining that
information's confidentiality. We collect, maintain, use and share information about you only where we
reasonably believe that it will help administer our business or provide products, services and other
opportunities to you. We use your personal information to verify your identity, provide you with quality
customer service and evaluate your request for products and/or services.

Types of personal information
We collect various types of information about you during the normal course of offering and providing
financial products and services. Examples of such information: Information you provide to obtain or maintain
a service or product, such as loan application data., communications from you regarding your loan, such as a
change of address request Information gathered from your transactions and account history with us, our
affiliates, and others, such as your loan payment history. Information obtained from third parties such as
consumer reporting agencies or credit bureaus, employers, depository institutions and others, which we use
to evaluate a loan application information that we may gather in compliance with certain laws and
regulations, such as the Home Mortgage Disclosure Act.

Sharing of personal information with third parties
Individuals or companies outside of PFS, Inc. are considered third parties. Mortgage lenders are permitted
(and sometimes even required) to share customer information with third parties for certain purposes, such
as servicing customer relationships, fraud and risk management, and responding to transaction requests.

We do NOT sell customers or former customers lists or personal information to list brokers, marketing firms
or to other third parties.

How we keep information private
We have internal policies and procedures designed to keep customer information safe. These include
allowing access to customer information only to authorized employees performing specific job
responsibilities, maintaining physical, electronic and procedural safeguards that comply with federal
regulations to protect customer information and training employees on privacy and procedures.

If you believe any information, we have about you or your relationship with us is incorrect, please notify us at
once. We will take prompt action in making the appropriate corrections.

Contact PFS, Inc. at (800) 242-4056 or (203) 452-3590 with questions regarding this policy.