Online since April 1, 2004

Updated September, 12th 2007

If you have questions or concerns regarding this statement, you should first contact the Quality Assurance Division of Myloan1st.com by calling or toll free number at; 1-800-920-4338. or by mail at; PO Box 1851, Lindenhurst, NY 11757-6300 or by email at info@myloan1st.com.

MyLoan1st is a registered trademark owned by MyLoan1st, Inc. and The Mortgage Equities Group, LLC. Customer service is our priority, That's why we welcome this opportunity to describe our privacy policies, the steps we take to protect and maintain your information and to let you know how you can choose whether or not your customer information may be shared.

We collect information on this web site myloan1st.com and through our toll free number 1-888-MY-LOAN-1 to be able to provide you with the service of mortgage brokering. You are not obligated to us, nor are you committing to do a loan with The Mortgage Equities Group. We will provide you with a free quote after you submit your “Quote My Loan” short form, or you may submit to us the information requested on our web site, or call our toll free number 1-888-MY-LOAN-1. When we receive your information you are granting us the right, without limitation, to perform the service of providing you with mortgage loan quotes and acting for you as a mortgage broker. If you should proceed with a full application with The Mortgage Equities Group following receipt of a quote, we will assist you in completing the full application over the telephone and not on the web site. The proposed lender with whom we seek to place your loan will require additional information from you to be communicated by us to the proposed lender and, in turn, to communicate to you the terms and conditions of the proposed lender. The conditions will be determined by the lender’s underwriting guidelines and all conditions must be met. If your application and supporting documentation do not meet underwriting guidelines of the lenders with whom we place your loan, you will be denied the loan. When You submit your Quote My Loan short form, or call our toll free number for a quote from any state in the US, we reserve the right to provide this information to mortgage lenders and mortgage brokers nationwide at our own discretion to provide you with the service of mortgage loan quotes and mortgage Lending and mortgage brokering in relation to mortgage lending. The Live Chat feature does not collect personal information nor does it store the limited information used in this feature. All though the Live Chat feature is powered by a third party provider the information is only used by MyLoan1st.com.

• Information Collection We collect nonpublic personal information about you, including:

• Information we receive from you on your Quote My Loan pre-qualification form, surveys, online registrations, or other forms (such as your name, address, assets, income and debt);

 • Information about your transactions with us, our affiliates, or others (such as account balance, payment history, or information about our communications with you);

• Information about your creditworthiness, credit history and other information about you that we obtain from consumer reporting agencies.

• Information from other outside sources regarding your employment, credit or other relationship with you or verifying representations made by you, such as your employment history, loan balances or your property insurance coverage.

Protecting the Confidentiality and Security of Your Information Keeping financial information secure is one of our most important responsibilities. Only those persons who need this information to perform their job responsibilities as they relate to the purpose for which you contacted us are authorized to access your information by us. We take commercially reasonable precautions to protect your information and limit disclosure by maintaining physical, electronic and procedural safeguards. Information Use and Disclosure: Notwithstanding the foregoing, we may share information we have about you to give you superior service and to make a wider range of products available to you. We may share this information in the following ways: With Affiliates of The Mortgage Equities Group The Fair Credit Reporting Act gives you the opportunity to limit the sharing of "non-experience information" among affiliates of The Mortgage Equities Group, LLC. "Non-experience information" includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for mortgage lenders, consumer credit, insurance companies, deposit accounts, title companies, and is not related solely to your transactions or other experiences with us, including information:

• from your applications, such as your income or marital status;

• from a credit report, such as your credit history; and

• from sources used to verify representations made by you, such as your open lines of credit or employment history. Within The Mortgage Equities Group family of affiliates, we may share the customer information we collect (described in the Information Collection section) with:

• affiliate companies providing financial and other services, such as mortgage lenders, insurance agencies, title insurance companies. If you prefer that we not share non-experience information about you with an affiliate of The Mortgage Equities Group, you may opt out, that is, you may direct us not to share this information, by calling us toll-free at 1-888-744-2944 or emailing us in our Contact Us page and requesting and Opt out with Third Party Service Providers, Affiliated Companies and As Otherwise Permitted by Law In addition to the foregoing, we may disclose some or all of the information that we collect (described in the Information Collection section) as permitted or required by law. For example, we may share personal information:

• with regulatory authorities and law enforcement officials;

• to protect against fraud; • to report activity to credit bureaus;

• to respond to a subpoena; or

• to service your account with Third Parties We may disclose some or all of the information that we collect (described in the Information Collection section) with non-affiliated companies or other organizations, including:

• financial service providers, such as mortgage lenders, insurance agents, title companies, abstract companies and appraisers;These third parties are prohibited from using your personal identifiable information for any other purpose than to verify our request to meet conditions of our lenders to complete requirements of a loan commitment.

Cookies: Any cookie used on this web site is for the sole purpose of functionality and usability of this web site. No personal information or 3rd party cookies are stored or transferred on this web site.

Log Files: Log files in relation to this web site are for the purpose of security the technical support of this site. No personal information is stored in any log file.

We provide a Credit Plus Report link on our web site for the consumer to obtain a free credit report analysis of their credit rating for the sole purpose of a free mortgage quote to see if the consumer who fills out this information qualifies for a mortgage loan. We are neither affiliated with nor are we responsible for any of the services provided by or actions taken by Credit Plus. If you choose to order a free credit report from the Credit Plus Report link through on our web site, you will be redirected from the myloan1st.com web site to the web site of Credit Plus Report.com. The consumer who chooses to be redirected to the Credit Plus Report link, will have to fill out a three-line questionnaire. You will be asked to provide your name, telephone number and email address. When you submit that information, it will be sent to us in an email, and you will be redirected to the URL of Credit Plus Report a non-affiliated company to obtain a credit report at a no cost. When we are furnished with the above you are allowing us the opportunity to review this information and call you for the purpose of a mortgage loan quote. If you are denied credit you may write us to request a free copy of your credit report.

If you prefer that we not share nonpublic personal information about you with non-affiliated companies and organizations as described in this section (except information described above under Information Sharing "With Third Party Service Providers, Affiliated Companies and As Otherwise Permitted by Law"), you may opt out, that is, you may direct us not to share this information, by calling us toll-free @ 1-888-744-2944 or emailing us at optout@myloan1st.com.Maintenance of Accurate Information We have established commercially reasonable procedures designed to ensure that your personal information is as accurate and complete as possible. If you believe that our records contain inaccurate or incomplete information about you, please notify us by calling 1-888-744-2944 or sending a written inquiry to us at The Mortgage Equities Group, LLC, Attention: Quality Assurance Department, P.O. Box 1851, Lindenhurst, NY, 11757 We will take commercially reasonable steps to investigate your concerns and correct inaccurate information in a timely manner.

Former Customers

We will as to all former customers, continue to treat and safeguard your information as described in this notice. Companies Providing This Notice The Mortgage Equities Group, LLC, provides this policy. You may opt out as described in this Privacy Policy by calling or emailing us to indicate your opt out preferences as outlined below. You do not need notify us if you have decided not to opt out. It may take up to four to six weeks to process your request. If at a later time you wish to change your opt out instructions, please contact our customer service department at 1-888-744-2944 press three for a quality assurance officer.Upon contacting the customer service department at the above listed toll-free number or emailing us, your opt-out choices will be implemented as set forth below.

Please do not share non-experience information about me with an affiliate of The Mortgage Equities Group. If you opt out, you may not receive offers for other products or services from the affiliates of The Mortgage Equities Group that may be of value to you. Please do not share nonpublic personal information about you with non-affiliated companies and organizations as described in this notice (except information described above under Information Sharing "With Third Party Service Providers Affiliated Companies and As Otherwise Permitted by Law"). If you opt out, you may not receive offers for other products and services from companies and organizations not affiliated with The Mortgage Equities Group that may be of value to you. Note for Accounts with Co-Borrowers: Your opt out choices will also apply to co-borrowers.

• Changes in this Privacy Statement. If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.