Privacy Policy

AGAPE HOME MORTGAGE LLC PRIVACY STATEMENT

Privacy Policy and Notice for Agape Home Mortgage and all inferences related to Agape Home Mortgage LLC on its internet website, www.fastapproval.com

Revised March 29, 2014

I.WELCOME:

Agape Home Mortgage LLC (herein after referred to as Agape Home Mortgage) is committed to your right to privacy and to keeping your personal information private. Because our web site includes areas in which individuals can provide personally identifiable information, we have developed Agape Home Mortgage’s Privacy Policy below to inform you of our policies and practices regarding information we collect about you on this site. If you have further questions about our privacy policies or practices after reading this Privacy Policy, please contact us at the following address: 50 Kerr Parkway #41, Lake Oswego OR 97035. You also may email us at sales@fastapproval.com or phone us at (503) 243‐5626 and ask for a manager.

II.PROTECTION OF FINANCIAL INFORMATION AND GENERAL DISCLOSURE INFORMATION:

Title V of the Gramm‐Leach‐Bliley Act (“GLBA”) and the laws of the State of Oregon generally prohibit us from sharing nonpublic personal information about you with a third party unless we provide you with this notice of our privacy policies and practices describing the type of information that we collect about you and the categories of persons or entities to whom that information may be disclosed. In compliance with the GLBA and the laws of Oregon, this section notifies you of the privacy policies and practices of Agape Home Mortgage, Inc.

Agape Home Mortgage is committed to providing you with financial products and services to meet your needs and to help you reach your financial goals. Protecting the privacy and security of your personal information and ensuring the accuracy of such information is one of our top priorities. Agape Home Mortgage does not sell any of your personal information to nonaffiliated third parties. However, we may disclose that information, as provided below. While Agape Home Mortgage may offer products or services on behalf of outside companies, Agape Home Mortgage controls the information used to make those offers. This section describes how Agape Home Mortgage generally collects and uses your personal information and how we maintain the confidentiality and accuracy of such information. This policy is provided pursuant to Title V of the Gramm‐Leach‐Bliley Act (the Federal Privacy Act).

A.Information That We Collect About You.

We collect and maintain your information to serve you and administer your business relationship with Agape Home Mortgage. Specifically, we collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms received verbally, electronically, or in writing, including information such as social security numbers, addresses, e‐mail addresses, income, assets and debt. These forms include the Uniform Residential Loan Application that you may have completed as part of the loan process.

Information we receive from a consumer reporting agency, including information we receive from an outside company, such as a credit bureau providing your credit history, credit score or employment verification.

Information created as a result of your being a customer of Agape Home Mortgage.

Information about your transactions with us, our affiliates, or others, including information about your transactions or experiences, such as mortgages, insurance contracts issued to you, brokerage accounts or relationships you have, or loan or deposit balance histories.

Information received from other sources to verify the information that you provide on an application form. This may be obtained from your current or past employers, or from other institutions where you have conducted financial transactions in the past.

B.Information Use and Disclosure within the Agape Home Mortgage Family.

We may disclose all of the information that we collect, as described above, within Agape Home Mortgage for a variety of reasons, including the following:

To protect the security of your account or business relationship. For example, we use your personal information for identification purposes, to prevent unauthorized persons from accessing your accounts or records with us.

To conduct our business in a safe and sound manner. For example, we use information gathered in loan applications to insure that we underwrite loans in a prudent manner consistent with the requirements of lending and broker regulations.

To satisfy legal requirements. For example, we use your social security number for federal income tax reporting purposes.

To other companies as necessary to process your business. For example, we transmit your application information to the company that performs your appraisal. Third parties in this category are prohibited by agreement from using information about you except for the narrow purpose for which we gave it to them.

To companies who perform marketing services on our behalf or with whom we have joint marketing agreements. A company performing marketing services on our behalf would include, for example, a company that assists in a broad mailing of materials advertising our products or services. A joint marketing agreement is one where another financial institution offers a product or service jointly with us. These companies, like those in the previous category, must limit their use of the information to the purpose for which it was provided.

To other companies as necessary to process your business. For example, we transmit your application information to the company that performs your appraisal. Third parties in this category are prohibited by agreement from using information about you except for the narrow purpose for which we gave it to them.

To Realtors and Relocation Agents. To expedite processing, information on your loan’s progress may be shared with your Realtor or Relocation Specialist.

To other companies who purchase or service your mortgage. For example, if we transfer the servicing rights of your mortgage loan, we provide your file, including your loan application, credit report, and other loan documents, to the loan purchaser or servicer. Loan applicants are notified of this practice when applying for a loan from us.

As authorized by you. You may direct us, for example, to send your application information to a third party.

Where otherwise required by law or regulation. Examples include responses to a subpoena, court order or regulatory demand. Also, because of the nature of its industry, Agape Home Mortgage is subject to numerous state and federal regulations, and is particularly subject to state and federal audits. Agape Home Mortgage will share your information as required by those governmental agencies, and also periodically may share your information with private quality control and assessment agencies in order to assure compliance with the state and federal agencies. However, those private companies will be contractually precluded from sharing any personally identifiable information with other third parties.

C.Information Use and Disclosure with Nonaffiliated Third Parties or Affiliates.

When it comes to Agape Home Mortgage sharing its information with an outside party, we do so only as permitted or required by law and for specific purposes to provide you products and services that you've requested or already have with us. We may disclose all of the information that we collect, as described above. We share this information as needed to provide those products and services and to provide a good customer experience. We also may disclose nonpublic personal information about you to affiliates and to nonaffiliated third parties as permitted by law, including the following types of affiliates and third parties:

Financial service providers, such as companies that service your loan, provide you an insurance or securities product or relationship, mortgage insurers or payment processing, mortgage bankers, securities brokers‐dealers, and insurance agents.

Non‐financial companies, such as companies that perform services on our behalf, for example check printers, appraisers, data processing companies that prepare and mail account statements or notices and companies that help us market our own products and services to you.

Others, such as independent contractors, including technical system consultants who program our software to help us administer our products or market our own products to you.

D.Information Disclosed to Outside Parties Who Are Service Providers and Financial Institutions With Whom We Have Joint Marketing Agreements.

We may disclose all of the information we collect from customers, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Agape Home Mortgage might also disclose its own customer information to government agencies, consumer‐reporting agencies, and other outside parties as permitted or required by the Federal Privacy Act and other applicable laws. These disclosures are made for specific, limited purposes, for instance:

To verify individuals' identities (reducing fraud and identity theft).

To verify information for prompt credit approvals (meeting our customers’ immediate financial needs).

To make certain information a matter of public record (recording mortgages to let prospective buyers, title insurers, and others know about property liens).

To comply as required with subpoenas, court orders, and legal reporting requirements, such as interest reporting to the Internal Revenue Service.

To relate our experience with you to credit reporting agencies and similar organizations, such as ChexSystems.

To comply with your written consent, including when you give someone power of attorney or other authorization to act on your behalf.

To act as an agent or broker of insurance, or completing some other routine business transaction such as selling traveler's checks.

To process a proposed or actual transfer of accounts or line of business to another company.

To protect your accounts or business records against fraud and unauthorized transactions, to resolve customer disputes, and, as necessary, to our regulators, attorneys, accountants and auditors.

In no event will we share any account number or any access code to any of your Agape Home Mortgage accounts or business records with anyone, except as permitted by law.

E.Disclosure of Information about Former Customers.

It is generally unnecessary for us to disclose information about former customers of the Agape Home Mortgage to others that have a relationship with us. However, to the extent we do disclose information, we will adhere to the same policies as described elsewhere in this notice.

F.How We Protect Your Information.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. Our employees are trained in the importance of maintaining confidentiality and customer privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard our nonpublic personal information.

To obtain access to your information: You should submit a request in writing to Agape Home Mortgage LLC, 50 Kerr Parkway #41, Lake Oswego OR 97035. The request should include your name, address, social security number, telephone number, and the recorded information to which you would like access. The request should state whether you would like access in person or a copy of the information sent to you by mail. Upon receipt of your request, we will contact you within 30 business days to arrange providing you with access in person or the copies that you have requested.

To correct, amend, or delete any of your information: You should submit a request in writing Agape Home Mortgage LLC, 50 Kerr Parkway #41, Lake Oswego OR 97035. The request should include your name, address, social security number, telephone number, the specific information in dispute, and the identity of the document or record that contains the disputed information. Upon receipt of your request, we will contact you within 30 business days to notify you either that we have made the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have an opportunity to challenge.

III.SPECIAL NOTE:

This privacy policy applies to all our services, both online and off line. This notice updates and replaces any previous notices you may have received from us about the collection, use and protection of customer information. We may change this privacy notice at any time and if we do, we will notify you as required by law.

IV.

ADDITIONAL RIGHTS:

Some states may provide additional privacy protections under existing or future state laws. We are committed to complying with applicable law when we share customer information.

V.CONFIDENTIALITY AND SECURITY:

We consider all information we have about you to be confidential, including the fact that you are a customer (unless you tell us otherwise). Your information is only to be handled in the manner described in this notice. We restrict access to information about you to those employees and authorized agents who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with

federal standards to maintain the confidentiality of your information. We also regularly assess new technology and developments in this area and upgrade these safeguards as appropriate.

VI.

YOUR RIGHT TO OPT OUT:

As we have described, we want to share the information we have about you in‐house to enhance our ability to provide or offer you services or products, which would be of value to you. If you prefer that we limit the sharing of this information only to that permitted or required by law, we will respect your choice. All you need to do is call us at (503) 243‐5626 or e‐mail us at sales@fastapproval.com and provide your name, property address and social security number.

You can make this choice now or at any time in the future. For customers holding joint mortgages with us, we will accept a decision from either individual. This decision will apply to both parties named in the loan documents.

VII. CHILDREN’S PRIVACY:

Agape Home Mortgage recognizes that children, including young teens, may not be able to make informed choices about personal information requested online.

Accordingly, Agape Home Mortgage does not target children or teenagers (younger than eighteen years of age) for collection of information online. Agape Home Mortgage does not solicit or collect customer identifiable information targeted at children and teenagers under eighteen and does not allow anyone else to do so on an Agape Home Mortgage site.

Agape Home Mortgage encourages parents to take an active role to protect the privacy and security of their children and to prevent the inappropriate use of information about their children. Agape Home Mortgage supports the development of technologies that help parents to control the collection and use of personal information from children who use online services in their households.

Agape Home Mortgage complies with all Federal laws and regulations, including the Children's Online Privacy Protection Act, which requires the consent of a parent or guardian for the collection of personally identifiable information from children under 13 without the consent of a parent or guardian. If Agape Home Mortgage determines that anyone under 13 has submitted information to us without the consent of a parent or guardian, that information will be deleted from our database.

VIII. HEALTH INFORMATION:

Special Safeguarding of Health Information (if applicable). Unless we are required to do so by law, if you have provided us with any personal medical or health information, we will not disclose or share this information with our corporate family members or third parties without your authorization, and only then to facilitate obtaining for you a product or service you have requested. Agape Home Mortgage does not as a general rule gather individually identifiable health information.

IX.

THIRD PARTY SITES:

Please be aware that other web sites that may be accessed through our site may collect personally identifiable information about you. This privacy statement does not cover the information practices of those third‐party web sites linked to fastapproval.com.

You are solely responsible for maintaining the secrecy of your passwords or any account information. Please be careful and responsible whenever you're online. If you post personal information online that is accessible to the public, you may receive unsolicited messages from other parties in return. While we strive to protect your personal information, Agape Home Mortgage cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk.

X.COOKIES:

A cookie is a small data file that a Web site transfers to a user's hard drive when a user visits the Web site. A cookie file can contain information such as a user ID that the site uses to track the pages visited. The only personal information a cookie can contain is that which a user supplies. A cookie can't read data off a hard disk or read cookie files created by other sites. Agape Home Mortgage does not use cookies to store passwords or any other personal information about a user.

XI. SECURITY:

We use the Verisign Global Server ID or technologically equivalent software to protect your confidential information. Secure Sockets Layer (SSL) encrypts information and keeps the data private and confidential between your machine and Agape Home Mortgage. This technology makes it safe to transmit your personal information over the Internet. Look for two security icons, the "s" after "http" in the address line and the lock in the top menu bar and bottom status bar of your internet browser.

XIII. LICENSES:

Agape Home Mortgage is only licensed in the states listed on our licensing page at http://www.fastapproval.com.

XIV. AMENDMENT:

Agape Home Mortgage reserves the right to amend its privacy policy at any time without notice. We will post any changes to this Privacy Policy 30 days before their effective date so you will always know what information we collect, how we use it, and under what circumstances, if any, we disclose it. You are responsible for periodically checking our web site for changes to this Privacy Policy. You may opt‐out of any posted change to our collection, use or disclosure of your personal information by sending an e‐mail to sales@fastapproval.com

XV. BOTTOM LINE:

Sometimes we want personal information from you so that our partners and we can send you some material we think might be of interest to you if you have so opted.

We promise to be upfront and honest with you when we obtain this information. We always tell you up front what we're going to do with the personal information you have provided, and we always give you a chance to say "no thanks." Our goal is to have customers for life, and our privacy policy is intended to promote that goal.

XVI. CONTACT US:

If you have any questions regarding this Privacy Notice, please contact us at (503) 243‐5626 and ask to speak with a manager. You also may email us at sales@fastapproval.com.


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