LEGAL, PRIVACY AND SECURITY

EQUAL HOUSING LENDER

We do Business in Accordance with Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

• Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or deny any loan secured by a dwelling; or
• Discriminate in fixing the amount, interest rate, duration, application procedure, or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, DC20410
Or call 1-800-669-9777/1-800-927-9275 (TDD)
For processing under the Federal Fair Housing Act

AND TO

FDIC Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, Missouri64108
For processing under the FDIC Regulations

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

• On the basis of race, color, national origin, religion, sex, marital status, or age;
• Because income is from public assistance; or
• Because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

FDIC Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, Missouri64108

HOME MORTGAGE DISCLOSURE ACT (HMDA) NOTICE

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 901 Corporate Center Drive, Ste. 401, Monterey Park, CA 91754 regarding the location where HMDA data may be inspected. To receive a copy of the data, send a written request to:

Geo-Corp, Inc.
Attn: Compliance Department
901 Corporate Center Drive, Ste. 401
Monterey Park, CA 91754

USA PATRIOT ACT NOTICE

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN

To help us prevent fraud and to help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for and/or obtains a mortgage loan.

What this means for you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

PRIVACY

Geo-Corp, Inc. is concerned about and respects the privacy of our customers’ personal financial information.  We understand that our customers furnish sensitive information to us in the course of daily business, and we are committed to treating such information responsibly.  We know that our customers expect privacy and security for their personal and financial affairs.

We will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our customers.  The following privacy policy and disclosure outlines our practice regarding personally identifiable financial information for consumers and those consumers who become our customers.

TYPES OF INFORMATION THE LENDER COLLECTS:
We collect nonpublic personal information from many sources.  We collect nonpublic personal information directly from consumers on various applications and forms, for example, loan applications, and requests for information about products and services.

We collect information as a result of transactions between us and our customers and as a result of providing a product or service to our customers.  This includes transaction information from other loans between us and our customers.

We collect information from credit reporting agencies.

Nonpublic personal information does not include that which we obtain from government records, widely distributed media, or government-mandated disclosures.

TYPES OF INFORMATION THE LENDER DISCLOSES:

We do not disclose any nonpublic personal financial information about our current or former customers to nonaffiliated third parties except as permitted by law. 

PROTECTION OF SOCIAL SECURITY NUMBERS

Social Security numbers are classified as “Confidential” information under the Geo-Corp, Inc. Security Policy.  As such, Social Security numbers may only be accessed by and disclosed to Geo-Corp Team Members and others with a legitimate business “need to know” in accordance with applicable laws and regulations. Social Security numbers, whether in paper or electronic form, are subject to physical, electronic and procedural safeguards and must be stored, transmitted and disposed of in accordance with the provisions of the Information Security Policy applicable to Confidential information. These restrictions apply to all Social Security numbers collected or retained by Geo-Corp in connection with customer, employee or other relationships.