INTRODUCTION
Part 573, Chapter V, Title 12 of the Code of Federal Regulation (Privacy of Consumer Financial Information) restricts the use of Consumer Financial Information and requires that certain disclosures be provided to consumers and customers.

The Fair Credit Reporting Act was implemented to assure fair, accurate and timely reporting of credit information. Among other provisions, the Act directs users of credit information as to the limitations of sharing information. There are other laws such as the Right to Financial Privacy Act that describes how and under what conditions financial institutions are obligated to provide an individual’s records to government agencies or the Bank Secrecy Act that describes under what circumstances suspicious activity must be reported.

POLICY
It is the policy of Mann Financial Inc. dba. Mann Mortgage and all its operating divisions, to respect the privacy of persons seeking information or services from us. Mann Mortgage employees are to keep customer information confidential. Mann Mortgage seeks to abide by the laws and regulations governing access to customer activity.

Mann Financial Inc. dba. Mann Mortgage recognizes how important it is to our customers that sensitive information remain confidential. Our employees have been directed to abide by a comprehensive Consumer Privacy Policy. Mann Mortgage has never sold customer lists to outside companies. Mann Mortgage has no plans to share information with any companies outside of Mann Mortgage’s immediate family of companies except as otherwise permitted by law.

A. Categories of Information We Collect
We collect non-public personal information about you from the following sources:

*Information we receive from you on applications or other forms.

*Information about your transactions with us, our affiliates, or others; and

*Information we receive from a consumer reporting agency
 

B. Web Site Privacy
www.shopthebanks.com

Persons may browse our web site anonymously. Mann Financial Inc. dba. Mann Mortgage tracks which pages of our site are visited and we note users’ ID (host) addresses (as all web sites do automatically), but this tracking does not gather information about individuals. This tracking allows Mann Mortgage to identify current usage patterns in order for us to improve the information we provide.

Mann Financial Inc. dba. Mann Mortgage has the ability to gather specific information from web site users only when web site users elect to provide information to us such as in the case of users completing and transmitting a mortgage prequalification form.

Mann Mortgage’s digital ID allows the user’s browser to verify Mann Mortgage’s Internet identity every time a user visits our site and insures that information users choose to send us will be delivered only to Mann Mortgage. In addition, Mann Mortgage’s site has encryption capabilities, making information transmissions from or to consumers secure from third party interception.

C. Sharing Customer Information
We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law.

Conducting our Business
Mann Mortgage may provide customer information to third party companies in order for Mann Mortgage to conduct its normal business of originating and servicing loans and acceptance of deposit and transaction accounts. An example of this is flood insurance companies. Customer information may be provided to assure compliance with the National Flood Protection Act. Information on accounts at Mann Mortgage may also routinely be reported to credit bureau agencies. Mann Mortgage may also provide customer information to marketing companies in order to facilitate Mann Mortgage’s own marketing endeavors.

Complying with Applicable Law
Mann Mortgage is required to comply with various laws governing consumer information. This includes, for example, an obligation to report suspicious activity involving consumer accounts. Another example includes the requirement to permit access by regulators to information in the course of routine examinations. It is the expressed policy of Mann Financial Inc. dba. Mann Mortgage to abide by the laws and regulations governing its operations. Mann Mortgage will report and allow access to consumer information only within the parameters set by the laws and regulations.

Making Available Special Products and Services
Mann Mortgage is affiliated, through common ownership, with Mann Financial Inc.. Mann Mortgage may share information regarding our customers’ accounts with our affiliates. For example, mortgage loan applicants may be asked whether they are interested in receiving a quote on insurance. Mann Mortgage will not share credit reports or third party information with our affiliates.


D. Mann Mortgage’s Customer Privacy Principles
We restrict access to non-public personal information about you to our employees who need access to the system your information is on in order to perform their job. For example, a teller does not have access to non-public personal information on your mortgage loan. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information. We will continue to update these safeguards as technology changes occur.

In recognition of the high level of trust and confidence our customers have with Mann Mortgage, the following Customer Privacy Principles have been adopted as a guide for our officers and employees to follow in the use of customer information.

*We recognize and respect our customer’s expectations of financial privacy.

*We will limit the collection and use of customer information to the minimum necessary to offer and deliver the products and services that we provide.

*We will restrict access to customer information to authorized employees.

*We will strive to maintain customer information as accurate, current and complete as possible. Mann Mortgage will be responsive to customers requests to correct errors.

*We will establish safeguard standards for the security and confidentiality of customer information.

*We will not reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties, unless (1) the information is provided to help complete a customer initiated transaction; (2) the customer requests it; or (3) the disclosure is allowed or required by law.

*Whenever we hire other organizations to provide support services, we will require those organizations to adhere to similar privacy principles.
 

A copy of this policy will be maintained at each of our branch and loan production offices and will be available to the public upon request.


Customers may address questions regarding privacy issues by writing to the Customer Service Department, Mann Mortgage, 247 Thain Rd., Suite #104, Lewiston, ID 83501 or by telephoning 208.743.1005