PRIVACY NOTICE

FACTS	WHAT DOES GOLDEN EMPIRE MORTGAGE INC. DO WITH YOUR PERSONAL INFORMATION?
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 depends on the product or service you have with us. This information can include: Social Security Number, driver's licence number, and other identifying information Income, assets, account balances, payment history and employment information Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.
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 Golden Empire Mortgage, Inc. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Golden Empire Mortgage, Inc. 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 report to credit bureaus	Yes	No
For our marketing purposes - to offer our products and services to you	No	We Don’t Share
For joint marketing with other financial companies	No	We Don’t Share
For our affiliates’ everyday business purposes - information about your transactions and experiences	No	We Don’t Share
For our affiliates’ everyday business purposes - information about your creditworthiness	No	We Don’t Share
For our affiliates to market to you	No	We Don't Share
For our non-affiliates to market to you	No	We Don’t Share

Who we are
Who is providing this notice?		Golden Empire Mortgage, Inc. 1200 Discovery Center Drive, 3rd Floor, Bakersfield, CA 93309

What we do
How does Golden Empire Mortgage, Inc. 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 electronic safeguards, encryption, and secured files and buildings.
How does Golden Empire Mortgage, Inc. collect my personal information?	We collect your personal information, for example, when you apply for a loan provide account information or provide your mortgage information give us your income information or provide employment information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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 credit worthiness Affiliates from using your information to market to you Sharing for non-affiliates to market you State laws and individual companies may give you additional rights to limit sharing
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. *Golden Empire Mortgage, Inc. does not share with our affiliates.*
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. *Golden Empire Mortgage, Inc. does not share with non-affiliates so they can market to you.*
Joint marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. *Golden Empire Mortgage, Inc. does not jointly market with non-affiliated financial companies.*

Questions ?

Call 800-520-3724 or go to www.gemcorp.com

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