Customer service is very important to all of us. As we continue to improve and expand our services, we recognize our customers' need and desire to preserve their privacy and confidentiality. Safeguarding our customers' privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers' nonpublic personal information. The following Statement affirms our continued efforts to safeguard customer information.

Information We Collect

We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples of information we receive from you include your name, address, telephone number, social security number, credit history and other financial information.
• Information about your transactions with us or others. Examples of information relating to your transactions include payment histories, account balances and account activity.
• Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness.
• From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income or deposits.

SMS / Text Messaging and Mobile Information

If you provide your mobile number and check the SMS consent box on one of our forms — or otherwise opt in with us or your loan officer — Cross State Funding Corp. may send you recurring text messages related to your mortgage inquiry or loan, including application and status updates, document and verification requests, appointment and closing reminders, and related customer-care messages. Consent to receive text messages is not a condition of any purchase or of obtaining mortgage brokerage services.

Message frequency varies. Message and data rates may apply. Reply STOP to unsubscribe at any time. Reply HELP for help. Carriers are not liable for delayed or undelivered messages.

No mobile information is shared with third parties or affiliates for their marketing or promotional purposes. Mobile information obtained through SMS consent or our text-messaging program is not sold, rented, or shared with third parties for marketing. We share mobile information only with service providers that help us operate the text-messaging program (for example, our messaging-platform provider), and only as needed to deliver the messages you have requested.

Information We Disclose

Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.

By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website.

We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.

All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.

We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.

To discuss Cross State Funding's privacy practices, feel free to reach out anytime to the main office phone number at (877) 234-1898.