• Information provided by you on loan applications and other forms, including identifying information such as address, telephone number, e-mail address, social security number, date of birth, and other credit information such as income and employment.
• Information obtained through your transactions and relationship with us, our affiliates STANDARD Mortgage® Insurance Agency, SMC Title Company, Brightline Reinsurance and others, such as items purchased, payments, payment method, and information provided on customer service and counseling calls.
• Information provided by credit bureaus and similar companies, such as your account and payment history with other lenders.
• Information provided by other third parties, such as demographic firms, in connection with marketing programs.
• Information obtained on line, including from “cookies” (small pieces of data stored by your Internet browser on you computer) or other technology that may be used to remember passwords for you, to track your website usage with us, and to provide you with customized content, among other things.

• STANDARD Mortgage® Corporation and its affiliates: To assist you, we may provide application information about you, your account number, and other information, to our affiliates for use as permitted by law. This information might be used to enable their associates to answer questions about your account, or to look up your account number for you.
• Service Providers: We provide information to our affiliates and other companies to help us in servicing your account, like preparing billing statement and promotional materials, and respond to customer inquiries. We also may use marketing firms, such as modeling companies, to assist us in our own marketing efforts.
• Joint Marketing: We may provide information about you and your account to another financial institution to jointly offer financial services and/or products, such as loan products or life and credit insurance.
• Other Affiliates: Our affiliates are other companies in the STANDARD Mortgage® Corporation corporate family, (i) In addition to using affiliates to perform services in connection with your account; we may provide information to nonfinancial services affiliates, such as those offering consumer products, (ii) For some programs, we also may provide such affiliates with information from your application used to determine your eligibility for credit (e.g. income) and from credit bureaus, such as your credit score or credit history (collectively, “Consumer Report Information” which does not include identification information or our transaction and experience information). 
• Third-Party Offers: We may work with carefully screened non-affiliated outside companies to develop special offers for you, which many of our customers find valuable. For example, we may disclose information, either directly or through our affiliates, to financial services providers, such as companies offering insurance or other loan products and to non-financial companies, such as those offering card registries, clubs tailored to your interests (like travel clubs), and other consumer products and services. The information we disclose may include name, address, and telephone numbers, as well as account performance history. 
• Others: We report account information, such as credit balances and payment information, to credit bureaus. In addition, we may buy and sell assets, lines of business and/or accounts. When this occurs, customer information generally is disclosed to bidders and is one of the transferred business assets. We also disclose information about you to third parties in certain other circumstances, as permitted by law.

STANDARD Mortgage® Insurance Agency, and Brightline Reinsurance