Private Policy

CORPORATE HEADQUARTERS
One Old Country Road, Suite 420, Carle Place, NY 11514
Office: (516) 248-8900 Fax: (516) 248-6070

Consumer Privacy Policy
Madison Home Equities, Inc. is a Licensed Mortgage Banker who forms relationships with our consumers based on trust and honesty. It is our number one priority to protect our consumer’s private and personal financial information. As per the Gramm-Leach-Biley Act we have established policies and procedures to ensure that your confidential information is safeguarded.

Definition of Consumer Information
“Consumer Information” is defined as any record about an individual, whether in paper, electronic, or other form that is a consumer report or is derived from a consumer report and that is maintained or otherwise possessed by or on behalf of the institution for a business purpose. “Consumer Information” is also defined to mean “a compilation of such records.” The term, however, excludes from the definition any record that does not identify the individual. Therefore, the requirement concerning consumer information does not apply to aggregate information that does not identify the subjects of the consumer report.

Personal Information
Madison Home Equities, Inc. (MHE), is committed to protecting the privacy and security of our customers' personal information and ensuring the accuracy of such information. We collect and maintain information about you to enable us to complete your loan transaction, conduct our business in a manner consistent with federal and state laws and regulations, provide you with information and offers on products to meet your future needs, and satisfy legal requirements. We will give you a new Customer Privacy Statement whenever we change our privacy policies or practices. This Customer Privacy Statement describes and explains how · MHE collects and uses your personal information; · MHE maintains the confidentiality and accuracy of such information; · You can limit the communication of your non-public personal information by MHE; and · You can verify the accuracy of information regarding your transaction. This policy principally governs MHE’S use of non-public personal customer information. Non- public personal information is defined in applicable law and generally means financial information that is identified with you that is not obtainable from a public source. For example, your credit information is non-public information. In contrast, the fact that you have a mortgage loan with us or another lender is public information because your deed of trust or mortgage is available from public government records. Non-public information includes any list, description, or other grouping of customers that is created using non-public information (whether or not the list also includes public information). For example, a list of mortgage customers that includes current loan balances would be non-public. Non-public information does not include any list, description, or grouping that is created using only public information.

How We Obtain Personal Customer Information
In conducting our business, we collect and maintain various types of information about our customers. If we are unable to obtain such information from you, we may be prevented from providing you with a service and/or may be compelled to terminate a service that we are currently providing you. The types of information we collect and maintain include:
1. Information that we receive directly from you in applications and other forms that you deliver to us, and from our communications with you. This may include information such as your address, telephone number, account numbers, Social Security numbers, assets, income, debt, etc.
2. Information we compile from your transactions or experiences with us. This may include information such as your account balances, payment history, etc.
3. Information we receive from other sources regarding your employment, credit or other relationship with them or verifying information you have given us. This may include information such as your employment history, loan and/or credit card payment history, loan or credit card balances, your property insurance coverage, appraisals of your residence, etc.

CORPORATE HEADQUARTERS One Old Country Road, Suite 420, Carle Place, NY 11514 Office: (516) 248-8900 Fax: (516) 248-6070

4. Information we receive from credit bureaus regarding your credit history and creditworthiness (such as the amount of your total debt, your payment history, etc.). 5. Information we obtain from public sources. This may include information contained in federal, state and local records such as recorded liens on your property, real estate taxes and assessments, tax liens, etc. 6. In addition, we may assemble demographic or other information about you which is not assembled for the purpose of determining your eligibility for credit, insurance, employment or any other product or service you request. Also, when you visit any of our websites, we may collect information to measure the use of our site and to assist us in improving the content of our site; however, we do not collect information about visitors to our websites unless you voluntarily choose to provide it. A "cookie" is a small marker that is left on your computer which can only be read by us and helps us better service your account the next time you visit our website. A "cookie" allows MHE to know that a visit has occurred within our site, and the pages that were viewed. MHE does not retain any of these cookies or store any cookies on your hard drive. Cookies are commonly used on websites and do not harm your computer. You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser.

Information Sharing Within Our Affiliated Family of Companies
There are times when we will share a portion of your nonpublic personal information with our affiliated companies that either currently exist or that we may create or acquire in the future. However, we will only do so in order to provide you with superior service, inform you of product and service opportunities that may be of interest to you, improve and develop our products and services, or perform other business functions. An "affiliated company" or "affiliate" is any member of our family of companies or any company that we own or control. Affiliated companies may be any of the following: · Financial services providers, such as consumer lending and mortgage banking companies, life and casualty insurance companies, insurance agencies, securities brokerage firms, trust companies, and companies that provide settlement services, such as title agencies, escrow companies, and appraisal firms; and · Others, such as non-profit organizations. We may disclose all of the information we collect (described in "Information Collection," above) to our affiliates. The types of information we may share with our affiliates include (i) identifying information, such as your name, address and social security number (we call this "Identifying Information"), (ii) information about our experiences and transactions with you, such as your deposit balance, investment history, loan balance and/or payment history (we call this "Experience Information"), and (iii) information about you or the products or services you obtain from us other than Identifying Information or Experience Information, such as information we receive from your applications and information from consumer reporting agencies (we call this "Other Information"). You will be given the choice of restricting our sharing of certain information about you with our affiliates.

Information Sharing with Unaffiliated Third Parties.
Unlike some other financial institutions, we do not sell customer lists or other information about our customers to unaffiliated third parties. We may share nonpublic personal information about you with unaffiliated third parties as described below. We may also disclose nonpublic personal information about you as permitted by law. In order to efficiently and cost-effectively market our own products, we contract with companies providing marketing and solicitation services, such as printers, marketing fulfillment firms and other companies. As part of these activities, we may provide limited information about our customers to such parties. In addition, we may engage in joint marketing with unaffiliated financial institutions for various financial products and services (such as credit life and disability insurance) that we do not offer on our own, but we think will be of interest to our customers. In such cases, MHE will always be identified in the joint marketing materials or solicitation. We may disclose all of the information we collect to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. CORPORATE HEADQUARTERS One Old Country Road, Suite 420, Carle Place, NY 11514 Office: (516) 248-8900 Fax: (516) 248-6070

Our agreements with these companies are subject to confidentiality provisions and restrictions that prohibit using the information beyond the performance of the specified services or in connection with the jointly marketed product or service. You will be given the choice of restricting our sharing of certain information about you with our affiliates.

How to Limit Our Use or Disclosure of Your Personal Information
As discussed above, from time to time, MHE will share your personal information with non- affiliated companies. If you would prefer that we not communicate your non-public personal information (other than transaction and experience information, which we are authorized to do under the Fair Credit Reporting Act), or that we not communicate your non-public personal information with non-affiliated parties, you may instruct us not to do so ("Opt Out Request") by: calling us toll-free at 1-(800)-666-2347, or by sending us a written request addressed to: Nadine Malone-President Madison Home Equities One Old Country Road, Suite 420, Carle Place, NY 11514 Office: (516) 248-8900 Fax: (516) 248-6070 Please allow us about 60 days to process your request, after receipt. Your request will not apply to: (a) disclosures of information regarding our experience with you, to the extent such disclosures are permitted by law (for example, information about your payment history disclosed to a credit bureau or lender purchasing your loan); (b) disclosures required by law; or (c) any specific disclosures which you consent to in writing. Your Opt Out will remain effective until revoked by you.

Our Former Customers
Rest assured that even if you are no longer a customer of MHE, we will continue to treat the information we have with the same level of confidentiality. We appreciate your business and want you to understand our commitment to maintaining the privacy of your personal information, as expressed in this Privacy Policy. This Privacy Policy applies to individual consumers. We reserve the right to amend this Privacy Policy at any time.

Security
A message to our customers: At Madison Home Equities we are dedicated to upholding a strict code of ethics and business practices. In doing so, we work hard to respect and protect our customers’ privacy and security. To do so, we employ industry recognized security measures to help protect the personal information that you have provided to us from loss, misuse and unauthorized distribution. Whenever you transmit your personal financial information to us through our web site, we provide you access to our server, which encrypts your data as it is transmitted to us. We work to protect personally identifiable information stored on the site's servers from unauthorized access using commercially available computer security products such as firewalls, as well as carefully developed security procedures and practices. We use both internal and external resources to review the quality of our security safeguards on a regular basis.