Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.

Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and income
• Credit history and credit scores
• Mortgage rates, mortgage payments, account balances, and payment history

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons River City Mortgage LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does River City Mortgage share?

Can you limit this sharing?

For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or service your loan

Yes

No

For our marketing purposes— to offer our products and services to you

Yes

Yes

For joint marketing with other financial companies

No

We do not share

For our affiliates’ everyday business purposes— information about your transactions and experiences

No

We do not share

For our affiliates’ everyday business purposes— information about your creditworthiness

No

We do not share

For our affiliates to market to you

No

We do not share

For nonaffiliates to market to you

No

We do not share

To limit our sharing

• Mail the form below or
• Email the form to myprivacy@RChomeloans.com

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 513-631-6400 or go to www.RChomeloans.com or email myprivacy@RChomeloans.com

Mail-in or Email-in Form

Leave Blank OR

If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below.

Mark any/all you want to limit:

•  Do not share information for marketing purposes to offer River City Mortgage products and services.

Name

Mail to:

• Apply my choices only to me

Address

River City Mortgage

4555 Lake Forest

Drive #450

City, State, Zip

Loan #

Cincinnati, OH 45242

Who we are

Who is providing this notice?

River City Mortgage LLC, 4555 Lake Forest Drive #450, Cincinnati, OH 45242

What we do

How does River City Mortgage protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Only authorized employees are allowed access to your information when needed to complete their work. Any company we work with is

required to have safeguards to protect customer information.

How does River City Mortgage collect my personal information?

We collect your personal information, for example, when you

• apply for a loan, request pre-approval or inquire about products
• provide account information, or show your drivers license
• provide income or employment information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies such as the IRS, appraisers, employers, and government sources.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposes information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account—unless you tell us otherwise.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• We do not share with nonaffiliates to market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• We do not jointly market to you.

Other important information

California Residents: The California Consumer Privacy Act Disclosure explains how River City Mortgage collects, uses and discloses personal information relating to California residents covered by the California Privacy Act of 2018 and can be found at www.rchomeloans.com

Vermont Residents: We will not disclose your personal information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, or credit report to non-affiliated third parties other than as permitted by Vermont law unless you authorize us to make those disclosures.

Do Not Call Policy: This notice constitutes River City Mortgage’s Do Not Call Policy under the Telephone Consumer Protection Act for all consumers. Rivercity Mortgage does not solicit via telephone numbers listed on the state or federal Do Not Call lists unless the law allows. Consumers who ask not to receive telephone solicitations from River City Mortgage will be placed on the River City Mortgage Do Not Call list and will not be called in any future campaigns, including those of affiliates.