AMERICAN FINANCIAL RESOURCES, INC.

Privacy Disclosure Statement

American Financial Resources, Inc. (“AFR”) is committed to your financial well being and protecting the privacy and security of the information you share with us. When you give us your personal and financial information, we’ll handle that information with care and common sense. Only those employees who need to have access to your information to perform their jobs are authorized to have access to the information.

When you submit a loan application to us, we may ask for information that may include where you work, what you do, your income, assets, debts and obligations, your financial goals and other similar information. We use this information when evaluating your eligibility for a loan. This evaluation also requires us to obtain information about you from others such as consumer reporting agencies (also known as credit bureaus), the IRS, licensed title search companies, and your hazard and/or flood insurance company.

In addition, AFR may provide LLC or third party firms with information furnished by you, such as names, addresses and the financial information you have provided to us or that we have obtained from others about you. Any use of this information will be restricted to advancing your request for a loan, locating a home, or the marketing of other financial products AFR may offer. We will never sell information about you to any other organization.

Any third party that receives this information is not permitted to use this information for its own purposes or to give it to anyone else (unless it is to help them close your loan).

We may also provide certain information to others when legally required to do so (for instance, in response to a subpoena), to prevent fraud, or to comply with a legal request by a government agency or regulator.

We are very sensitive to your privacy concerns, and therefore, are very careful in protecting your information from unwarranted access. We comply with all federal and state mortgage and privacy laws as they relate to handling your information. Once your loan is closed or withdrawn, all non-essential credit, income, asset, and personal information is shredded by a licensed and bonded document shredding company.