Privacy Notice.

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
• Account Balances and Payment History
• Account Transactions and Credit Scores
• Contact Information (e.g., name, sex, age, date of birth, email address, mailing address, telephone number, driver’s license, passport, and/or other government issued ID numbers)

When you are no longer our customer, we continue to share your information as described in this notice.

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.

Furthermore, annual information security training is provided to all employees.

We collect your personal information, for example, when you:

• Open an account or apply for financing
• Give us your income or provide employment information
• Provide your mortgage information
• Give us your contact information

We also collect your personal information from other companies.

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

• Midwest Loan Services does not share with our affiliates

• Midwest Loan Services does not share with non-affiliates so they can market to you

• Midwest Loan Services doesn’t jointly market

State law – You may have other privacy protections under state laws; we will comply with all applicable state laws with regard to our information sharing practices. We don’t allow unauthorized publishing or disclosure of people’s non-public contact information.

• California residents only – In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by California law. For details on the privacy rights of California residents, you may obtain a copy of the California Privacy Rights Act (CPRA) Policy by visiting our website university-bank.com; by writing to us at Midwest Loan Services, a division of University Bank 2015 Washtenaw Ave Ann Arbor, MI 48104 ATTN: Privacy Department; or by calling us at 1-800-368-7987.
• Nevada residents only – We are providing you this notice under state law. You may be placed on our internal Do Not Call List by calling Customer Service at the phone number shown below. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; email: aginfo@ag.nv.gov. For further information please contact: Midwest Loan Services, a division of University Bank 2015 Washtenaw Ave Ann Arbor, MI 48104 ATTN: Privacy Department; Phone number: 1-800-368-7987; or go to our website university-bank.com/contact-us.
• New Mexico, North Dakota and Vermont residents only – Per state law, we have automatically opted you out of the sharing of your
• Vermont residents only – In accordance with state law, we obtain your consent before accessing your credit report and use it only for the purpose for which you consented. We do not share your information, except to process transactions or to provide services you have requested.

Note: Midwest Loan Services operates as a division of University Bank and maintains records for each mortgage loan for the periods prescribed by applicable federal and state laws and regulations. All loan records are stored in a secure manner. Confidential records are destroyed at the end of their retention period in a secure and confidential manner.

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
• Account Balances and Payment History
• Account Transactions and Credit Scores
• Contact Information (e.g., name, sex, age, date of birth, email address, mailing address, telephone number, driver’s license, passport, and/or other government issued ID numbers)

When you are no longer our customer, we continue to share your information as described in this notice.

University Bank dba Midwest Loan Services

P.O. Box 209 Hancock, MI 49930

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.

Furthermore, annual information security training is provided to all employees.

We collect your personal information, for example, when you:

• Open an account or apply for financing
• Give us your income or provide employment information
• Provide your mortgage information
• Give us your contact information

We also collect your personal information from other companies.

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

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

Our affiliates include Ann Arbor Insurance Centre, Inc., UIF Corporation, University Home Loan, LLC and Hyrex Servicing, LLC.

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

Non-affiliates we share with can include financial services companies such as LPL Financial, LLC, Credit Union Trust, and others as well as non-financial companies.

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

Our joint marketing partners include financial services companies such as LPL Financial, LLC, Credit Union Trust and others.

State law – You may have other privacy protections under state laws; we will comply with all applicable state laws with regard to our information sharing practices. We don’t allow unauthorized publishing or disclosure of people’s non-public contact information.

• California residents only – In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by California law. For details on the privacy rights of California residents, you may obtain a copy of the California Privacy Rights Act (CPRA) Policy by visiting our website www.university-bank.com by writing to us at University Bank dba Midwest Loan Services 2015 Washtenaw Ave Ann Arbor, MI 48104 ATTN: Privacy Department; or by calling us at 1-800-368-7987.
• Nevada residents only – We are providing you this notice under state law. You may be placed on our internal Do Not Call List by calling Customer Service at the phone number shown below. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; email: aginfo@ag.nv.gov. For further information contact: University Bank dba Midwest Loan Services 2015 Washtenaw Ave Ann Arbor, MI 48104 ATTN: Privacy Department; Phone number: 1-800-368-7987; or go to our website www.university-bank.com/contact-us.
• New Mexico and North Dakota residents only – Per state law, we have automatically opted you out of the sharing of your
• Vermont residents only – In accordance with state law, we obtain your consent before accessing your credit report and use it only for the purpose for which you consented. We do not share your information, except to process transactions or to provide services you have requested.

Mark any/all you want to limit:

 Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

 Do not allow your affiliates to use my personal information to market to

 Do not share my personal information with non-affiliates to market their products and services to me.To Limit Our Sharing

Name_______________________________________________________

Address_____________________________________________________

City, State, Zip________________________________________________

Mail to:

University Bank dba Midwest Loan Services
2015 Washtenaw Ave Ann Arbor, MI 48104