THIS IS THE PRIVACY NOTICE FOR UNITED WHOLESALE MORTGAGE CUSTOMERS.

At United Wholesale Mortgage we understand that you expect privacy and security for your personal financial affairs. Be assured, we are committed to treating your information responsibly. We appreciate your trust and confidence in us, and we will reward that trust by protecting your nonpublic personal information and honoring your choices. These policies describe the standards we follow in handling information about you.

Our Quick qualification request form requires you to provide some personal information. To protect you and this information from unauthorized use, each applicant is transferred to a secured site (identified by a padlock in the status bar of your browser and an 's' following the letters 'http' in the URL), where this information is gathered and transferred to us via a secured computer connection. Only authorized United Wholesale Mortgage employees who process your loan application and communicate with you will have access to this nonpublic personal information.

Protecting Private Information and Your Loan Application or Credit Report

When providing us required information to act upon your application or requests, you provide us with certain nonpublic personal information. This notice is intended to explain how we gather and protect your nonpublic personal information and what we utilize this information for. Examples of how we protect your nonpublic personal information include:

• Our implementation of policies and procedures to provide maximum protection of your nonpublic personal information.
• Restricting physical and other access to your nonpublic personal information to only those persons with a legitimate need to know.
• Requiring third parties doing business with us to comply with all applicable privacy and security laws.
• Providing a private computer network that is protected by firewalls and security maintenance procedures.
• Using secured Internet connections to gather your nonpublic personal information and forward to those who will act upon it.

Although we strive to maintain the highest standards of privacy, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As such, United Wholesale Mortgage cannot guarantee or warrant the security of any information consumers transmit to us over the Internet and consumers do so at their own risk.

Information We Collect

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

• Information from you, on applications, forms, via the Internet, by telephone and/or mail.
• Information from consumer and/or credit reporting agencies, including information about your credit worthiness and financial circumstances, as well as any bankruptcies and foreclosures.
• Information you provide to us in a telephone call, letter or e-mail you send to us.
• Information from service providers which may include a survey of your home, the appraised value of your home, prior mortgage payment history and the status of your property taxes and homeowners/flood insurance premiums.
• Information we gather as a result of servicing your loan that may include payment history, property taxes and insurance records.
• Information which we receive from third parties in order to verify information you have given us, such as your employment status and bank account balances.

Information Disclosed To Third Parties

United Wholesale Mortgage may disclose nonpublic personal information about you the following types of third parties:

• Financial service providers such as insurance agents.
• Non-financial companies, such as security alarm companies, retailers, and direct marketers.
• Third parties who perform marketing services on our behalf or others with whom we have joint marketing agreements or arrangements.

Right to Opt Out of Information Sharing.

Opt-Out Request Form

*requires Adobe Acrobat Reader

If you prefer that we not disclose nonpublic personal information about you to non-affiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to non-affiliated third parties, you may: (a) print, complete and mail our Opt Out Form; and return the completed form to us at United Wholesale Mortgage, 555 S. Adams Rd, Birmingham, MI 48009 — attention Compliance Department. Even if you elect to opt out, United Wholesale Mortgage may nevertheless disclose nonpublic personal information about you to non-affiliated third parties as permitted or as otherwise required by law as well as to carefully selected companies and independent contractors who perform work for us and who are legally or contractually obligated to keep the information which we provide to them confidential, and to use such information only to perform or provide the services we ask them to perform for you or us, such as payment and data processing, check and/or statement preparation and printing, mailing, and fulfilling your service requests.

Changes to Our Privacy Policy

United Wholesale Mortgage reserves the right to change the terms of its Privacy Policy at any time. United Wholesale Mortgage will prominently post the current version of its Privacy Policy on this website. To ensure that you are aware of our current privacy practices, we recommend that you check this site periodically. United Wholesale Mortgage will post changes to its privacy policy on this website thirty days (30) days before they take effect.

Change In Control

Your non-public personal information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether assets, stock or otherwise) of all or a portion of the business of United Wholesale Mortgage. You will have the opportunity to opt out of further secondary use of your nonpublic personal information following any such change in control.

Privacy Resources

To reduce the amount of advertising you receive from other companies, individuals can contact the following agencies:

Be sure to include the required name(s), address, telephone number and e-mail address you would like excluded. If you have moved or changed your telephone number within the last year, you should include your former address or number as well. In addition, if you would like to have your name taken off all pre-approved credit solicitations, you can call 1-888-567-8688.

United Wholesale Mortgage
555 S. Adams Road
Birmingham, MI 48009
1-800-981-8898