Privacy Notice
We may collect non-public personal information about you from the following sources:

• Information that you provide to us, such as on applications or other forms;
• Information about your transaction with us or others, and;
• Information from others, such as credit bureaus, real estate appraisers and employers

We do not disclose any non-public information about you to anyone, except as permitted by law.

To maintain security of customer information, we restrict access to your personal and account information to persons who need to know that information to provide your products or services. We maintainphysical, electronic and procedural safeguards that comply with federal standards to guard your non-public personal information.

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policiesand practices as described in this notice.

ECOA Notice
The Federal Equal Opportunity Act prohibits creditors from discrimination against credit applicants on the basisof race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income is derived from a publicassistance program; or because the applicant has in good faith exercised any rights under the ConsumerCredit Protection Act. The Federal Agency that administers compliance with this law concerning this creditor is: Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Fair Credit Reporting Act
An investigation will be made as to the credit standing of all individuals seeking credit in this application.The nature and score of any investigation will be furnished to you upon written request made within a reasonable period of time. In the event of denied credit due to an unsatisfactory score,you will be advised of the identity of the consumer reporting agency making such report and of the right to requestwithin sixty (60) days the reason for the adverse action, pursuant to provisions of section 615(b) of the Fair Credit Reporting Act.

Disclosures - Legal/State Licensing

Applicable state disclosure regulations require the following licenses to be explicitly disclosed:

• Illinois Residential Mortgage Licensee MB0006760, D. Lorenzo Padron, Commissioner of Banks, 310 S. Michigan Avenue, Suite 2130, Chicago, Il 60604, Telephone (312) 793-3000
• In Massachusetts and Wyoming, business is conducted under the name of Madison First Financial, MA Mortgage Lender license number MC2319.
• New Hampshire Banking Department, License Numbers 9555 MBB and 10467-MHL
• Licensed by the New Jersey Department of Banking and Insurance, License Number L044618
• Pennsylvania Department of Banking Licensee, License Number 12268
• Minnesota: License Number 20455791, This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of MN. Stat. Section 47.206 (3) and (4)
• Some products might not be available in all states.
• This is not a commitment to lend.
• Restrictions apply.
• All rights reserved.

©2004 Madison First Financial
Trade/Service marks are the property of Madison First Financial, Inc. and/or its subsidiaries

Madison First Financial, Inc.
801 Springdale Drive
Exton, PA 19341

Equal Housing Opportunity Lender