Residential Finance Corporation has been serving the mortgage needs of our customers since 1996.  To continue to provide innovative products and services, we collect certain personal information about you.  Safeguarding this information is a responsibility we take seriously.  This Notice of Your Financial Privacy Rights describes the types of information we collect and how we use it to better serve you. Your mortgage representative will be glad to answer any questions you may have about our use of your personal information.

Who Does This Affect? 
This Privacy Pledge applies to customers that have had as well as continue to have a relationship with us by applying for a mortgage loan (customer, you, your).

The Personal Information We Collect
Residential Finance Corporation collects personal information about you to help us fulfill your mortgage needs, provide customer service, offer new products as well as to comply with legal and regulatory requirements.  We may collect information about you from the following sources:

• Applications or other forms such as assets, debts, employment and income
• Current and/or past transactions with us, our affiliates or other parties
• Consumer reporting agencies, such as creditworthiness and credit history
• Public records, market research and demographic studies
• Via the Internet such as Web site navigation, customer contact and surveys
• Outside sources to verify employment, financial or insurance coverage information

Personal Information includes the information that we collect that is not publicly available and is personally identifiable.

The Confidentiality, Security, And Integrity Of Your Information
We maintain physical, electronic, and procedural safeguards to protect your personal information.  It is accessible only to employees who play a role in providing products or services to you, and to financial and regulatory authorities and auditors.

Sharing Of Information To Complete The Transaction
Although the Privacy Disclosure Act allows you to ask us to refrain from sharing your personal information in certain cases, it also ensures that we can always share the information when it is required to provide and coordinate the delivery of the service or product that you requested from us, to process and administer the servicing or sale of your loan, to help prevent fraud, to comply with Legal and Regulatory requirements or for reasons that are otherwise permissible by law.

Sharing Of Transaction And Experience Related Information
Likewise, you may not request that we refrain from sharing information about your transaction and experience with us, such as when we report your account balance and history to Consumer Credit Reporting Agencies.  This information may include name, address, account balances, account activity, types of accounts, parties to the transaction, and payment history.

Sharing Of Non Transaction And Experience Related Information
From time to time, Residential Finance Corporation may share your personal information with affiliates and unaffiliated parties for purposes other than to complete your transaction or to report your experience with us.  We may use and share the customer information we collect, subject to applicable law, with the following (these examples are not intended to be all-inclusive):

Our Affiliates:  In addition to using affiliates to perform services in connection with your transactions with us, we may provide information, such as identification, transaction and experience related information, to financial service affiliates, such as insurance companies or real estate appraisers, or with non-financial service providers, such as those offering consumer products or services

Others:  We report information about customers to third parties who perform services or marketing functions on our behalf.  We share the minimum amount of information with these companies, and they are contractually obligated to protect the confidentiality of information that is shared with them.  Residential Finance Corporation may also share customer information with third parties for fraud or risk control purposes or for the sale of a customer’s account; with government entities in response to subpoenas; or with credit reporting agencies.  We also disclose information about you to third parties in certain other circumstances, as permitted by law