PRIVACY AT CAPSTONE DIRECT

Our goal is to maintain your trust and confidence when handling personal information.

This notice is provided to you pursuant to the Privacy Consumer Information Act and the Federal Trade Commission’s implementation of the regulation thereunder, 16 CFR Part 313.

1. Collection Sources:

We collect nonpublic information from the following sources:

· Information we receive from you on applications or other forms;

· Information about you transactions with us or with others;

· Information we receive from a consumer-reporting agency.

2. We do not disclose any non public personal information about our customers or former customers to anyone, except as permitted by law.

3. We restrict access to nonpublic personal information about you to those employees who need to know that information, to provide the requested loan origination services to you. We maintain physical, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.