Privacy Notice.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security Number and Income
• Account Balances and Payment History
• Account Transactions and Credit Scores
• Contact Information (e.g., name, sex, age, date of birth, email address, mailing address, telephone number, driver’s license, passport, and/or other government issued ID numbers)

When you are no longer our customer, we continue to share your information as described in this notice.

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

Furthermore, annual information security training is provided to all employees.

We collect your personal information, for example, when you:

• Open an Account or Apply for a Loan
• Pay your bills or pay us by check
• Give us your income or provide employment information
• Give us your contact information

We also collect your personal information from other companies.

Federal law gives you the right to limit only:

• Sharing for affiliates’ everyday business purposes—information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

• Midwest Loan Services does not share with our affiliates

• Midwest Loan Services does not share with non-affiliates so they can market to you

• Midwest Loan Services doesn’t jointly market

State law – You may have other privacy protections under state laws; we will comply with all applicable state laws with regard to our information sharing practices. We don’t allow unauthorized publishing or disclosure of people’s non-public contact information.

• California residents only – In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by California law. For details on the privacy rights of California residents, you can request a copy of the California Privacy Rights Act (CPRA) Policy by sending an email to information@university-bank.com, by writing us at University Bank 2015 Washtenaw Ave Ann Arbor, MI 48104; or by calling us at 1-800-368-7987.
• Nevada residents only – We are providing you this notice under state law. You may be placed on our internal Do Not Call List by calling Customer Service at the phone number shown below. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; email: aginfo@ag.nv.gov. For further information contact: Midwest Loan Services, P.O. Box 209, Hancock, MI 49930; Phone number: 800-262-6574 or go to our website midwestloanservices.com.
• New Mexico, North Dakota and Vermont residents only – Per state law, we have automatically opted you out of the sharing of your information.
• Vermont residents only – In accordance with state law, we obtain your consent before accessing your credit report and use it only for the purpose for which you consented. We do not share your health and medical information, except to process transactions or to provide services made in connection with an insurance transaction that you have initiated.

Note: Midwest Loan Services operates as a division of University Bank and maintains records for each mortgage loan for the periods prescribed by applicable federal and state laws and regulations. All loan records are stored in a secure manner. Confidential records are destroyed at the end of their retention period in a secure and confidential manner.