TRICONT P&S POLICY                                                                                                                 

this notice to you pursuant to the Privacy of Consumer Financial Information Act and the Federal Trade Commission's implementing regulation hereunder, 16 CFR Part

313.

We collect information you provide to us on applications and other forms, (such as your name, address, phone, Social Security and account numbers, assets, income

and employment history), about your transactions with us (such as your loan balance, loan terms and other account information), about your credit history from a credit

reporting agency and about you or your property from business partners and service providers (such as a property appraisal, purchase contract or membership number).

We only share your personal data outside the TFC Tricont Mortgage group of companies with your informed consent, as required by law or to protect TFC Tricont

Mortgage, its customers, or the public, or with companies that TFC Tricont Mortgage needs to fulfill its obligations with you, as well as with partners who share TFC

Tricont Mortgage's commitment to protecting your privacy and data

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. However, we may collect and

store any personal identifying information you provide on our website or provide to us in some other manner (such as your name, home or mailing address, e-mail

address, and telephone number), information about your property or  prospective property, your financial information (such as your income, assets, or debts), your Social

Security number, and personal information (such as your gender and age).

We may also periodically obtain both personal and non-personal information about you from business partners and other third parties. Examples of information that we

may receive include credit reports, information about your property and additional demographic information. However, TFC Tricont Mortgage does not pull a credit bureau

report on loan customers without express permission, except as permitted by law.

We may also collect and store personal information that you provide to us about other people (such as co-applicants), including their name, address, phone number,

We may use information that we collect about you and/or co-applicants to:

1) - Deliver the products and services you request

2) - Manage your customer relationship with us and provide you with customer support

3) - Perform research and analysis about your use of, or interest in, our products, services, or of content, offered by others

4) - Communicate with you by telephone, postal mail, email and/or mobile devices about products or services that may be of interest to you  from us, or other third parties

5) - Develop and display content and advertising tailored to your interests on our site and other websites

6) - Verify your eligibility and deliver prizes in connection with our promotions and contests

7) - Enforce our terms and conditions; manage our business and perform functions as otherwise described to you at the time of collection or as otherwise permitted by    law

We may use your financial information to verify your identify, to protect against or identify possible fraudulent transactions, otherwise as needed to manage our business,