Privacy Statement

IMPORTANT INFORMATION ABOUT PRIVACY

This notice is provided on behalf of the following company, which is owned or controlled by Allied Commercial Services, Inc., a commercial mortgage brokerage company: Capital Mortgage Group

We Value Your Trust. Trust is the foundation of our relationship with you. You have selected us to provide financial products and services because you trust us to act with integrity, to process your financial transactions, to handle information about you responsibly and to preserve the confidentiality of your financial affairs. We strive every day to earn your trust and confidence.

We recognize and respect your privacy expectations and are committed to protecting your privacy rights. At the outset, we want to assure you that:

• We do not sell our customer mailing lists or other customer information to outside marketing firms.
• We will continue to protect your privacy rights even after you pay your loans or become an inactive customer.

About This Notice. This notice summarizes our consumer privacy policies and practices and certain rights you have under the federal Fair Credit Reporting Act. Our consumer privacy policies and practices protect the confidentiality of information about individuals who obtain financial products or services from us primarily for personal, family or household purposes. They apply with equal force to both current and former customers. When we use the term "information" in this notice, we mean information about you that is not publicly available. The policies and practices described in this notice do not apply to or protect information about you that is publicly available. We have included examples in this notice of information we collect, how we use it, with whom we share it and what we do to protect it.

We Collect and Use Information Responsibly. We collect and use information about you to administer our business and provide you with high quality financial products and services. We collect information about you from a variety of sources, including:

• Information you provide us on applications, personal financial statements or in other oral, written or electronic communications. For example, this information may include your name, address, Social Security number, employer, assets and income. The only information we collect about you through our websites is information you voluntarily provide.
• Information we receive from consumer reporting agencies (credit bureaus). For example, this information may include your credit history, credit score and other information about your creditworthiness.

We use information about you, for example, to process your applications, determine your eligibility for products and services we offer and provide you with information about products, services and other opportunities that may interest you.

We protect Information Internally. The only people authorized to access customer information are those who have a legitimate business reason to do so in connection with their job responsibilities. Our employees are authorizes to access customer information only for legitimate business purposes and to keep information about you confidential. We emphasize this confidentiality obligation in our training and procedures and maintain appropriate disciplinary measures to enforce our employees' privacy responsibilities.

In addition, we maintain physical, electronic and procedural safeguards that comply with federal standards to prevent unauthorized access to information about you. Information you provide us through our websites is similarly protected.

With Companies that Work with Us to Serve You Better. We may use outside companies to assist us in processing your application, approve, maintaining, fund and service your loan and in the day-to-day conduct of our business. For example, we may use external companies to process your loan request, approve, fund and service your loan. In addition, we may enter into joint marketing agreements to offer you financial products and services. We may disclose any of the information we collect to companies that perform services (including marketing services) for us. However, when we do so, the company's right to use and redisclose the information we provide is limited by law or contract.

In Other Situations. We do not otherwise disclose information about you without your consent except as required or permitted by law. For example, we are permitted or required to disclose information about you to process your transactions and maintain and service your accounts with us and to report our experiences with you to credit bureaus in accordance with well-established lending practices and the federal Fair Credit Reporting Act, to protect against fraud or loss, or to respond to a subpoena or court order.

Questions. If you have any questions regarding our privacy policies and practices, please call us at 704-664-3611 or write to us at: 136 Bufflehead Drive, Mooresville, N.C. 28117. If you prefer, you may send us e-mail through our websites. Please indicate "Privacy" as the subject of your communication. Thank you for your business, we appreciate your trust.