← ONLINE PRIVACY STATEMENT

Visitors to the www.MyMidlandMortgage.com website can browse our site anonymously by choosing not to provide us with personally identifiable information.

Midland Mortgage Co. ("Midland") does not use "cookies" to collect personal data. "Cookies" are pieces of information about your internet usage stored directly on your computer. We use "session cookies" in some instances in order to ensure that you remain on the same server during your browsing session, in order to facilitate your www.MyMidlandMortgage.com browsing experience. Even though "session cookies" don't collect personal information, we set them to expire within a day of usage, and no personal data is collected or retained.

A website visitor may choose to provide us with personally identifiable information by applying online for a product or service offered by Midland's affiliate MidFirst Bank, by logging on to view account information, by completing online surveys or entry forms that may be available to website visitors from time to time, or by contacting us via email. Information provided to us by website visitors who are not current customers may be used (1) for the purpose for which the information was entered; (2) to provide the visitor with additional information about products and services offered by Midland's affiliate MidFirst Bank; and (3) if the visitor has a continuing business relationship with Midland Mortgage Co., as provided in our Privacy Notice For Customers Of Midland Mortgage Co. We may share information entered by website visitors with service providers with whom we have a business relationship or with other third parties as necessary in order to process the transaction or request, or as permitted or required by applicable law.

Midland may offer the opportunity to link to other websites from the www.MyMidlandMortgage.com website. For example, there may be links on our website to merchant websites offering special discounts or incentives to Midland customers, or to informational websites. Websites that are linked to www.MyMidlandMortgage.com or websites that offer products and services to Midland customers may or may not use "cookies" to collect personal data. If the web address (URL) does not begin with "www.MyMidlandMortgage.com," then you are on a third party website and you should carefully review the privacy policy or online practices information for that website to learn how cookies are used, and to learn how personal information of visitors is collected, shared and used.

Please review our "Terms of Use" for further information about this website.

Midland does not knowingly market or solicit information from children under 13 without parental consent.

This policy is effective as of 8/6/2004, and may updated from time to time on this website.

← PRIVACY NOTICE FOR MIDLAND MORTGAGE CO. CUSTOMERS

Federal law requires that we provide a copy of our privacy notice every year. If you have already notified us of your privacy preferences, you do not have to notify us again, unless you wish to make a change.

We Respect Your Privacy

Our customers care about privacy, and we share that concern. This notice describes how "nonpublic personal information" is collected, secured and used by Midland Mortgage Co., as the entity which services your loan, and its parent MidFirst Bank, as the owner of the servicing rights to your loan. Information practices for products and services offered by MidFirst are discussed in a separate MidFirst Bank privacy notice.

Information Accuracy

Keeping your information accurate and up to date is important. Please call or write to us if your name, address, e-mail address or phone number change or if your account information is inaccurate.

Collecting Information

As permitted by law, we collect "nonpublic personal information" about you from the following sources:

• Completed forms such as your mortgage loan application, which includes your name, address, phone number, and/or date of birth;
• Your transactions with us, our affiliates, or others, including your original loan amount, current balance, date the account opened, and/or payment history;
• Consumer reporting agencies, for creditworthiness or credit history; and
• Other sources of information, such as surveys.

Securing Information

We maintain physical, electronic, and procedural safeguards to reasonably guard your nonpublic personal information. We restrict access to employees who have a business reason to use that information. Finally, we maintain procedures whereby parties with whom customer information is shared are required to maintain that information in a secure manner and use the information only for the purpose for which it was provided.
With respect to accidental disclosure of customer information to disguised intention (pretext) callers or other unrelated third parties, we maintain verification procedures designed to limit disclosure of account information to (1) those individuals named on the account; (2) those individuals for whom we have been given express authorization by an account holder; and (3) other third parties who are legally entitled to the information, such as government officials, in compliance with the federal and state Financial Privacy Acts.

Managing Information

We may share certain information we collect among companies related to us by common ownership or control, in compliance with the Fair Credit Reporting Act and other applicable laws. This enhances our ability to serve you and may save you time in opening new accounts. To the extent that we receive medical or health information about you, we will not share it among our affiliated companies except as necessary to maintain accounts, process transactions or provide services that you have requested or initiated.

We may share all types of information we collect with other companies as permitted or required by applicable law.

Often these include companies that perform services on our behalf as part of our servicing responsibility, for example, data processing and other technology services, and mail services. These companies are also required to keep the information secure.

Other examples of instances in which we may share all types of information we collect as permitted by law include the sharing of information (1) with your consent, including the case where you have given someone your power of attorney or other written authorization to act on your behalf; and (2) in connection with a subpoena or other appropriate government request for information, a fraud investigation or other legal process; and (3) furnishing of information to a credit bureau as permitted by the Fair Credit Reporting Act.

We may also use the information to inform you about valuable opportunities such as life insurance, discount membership programs and other products and services that we do not currently offer, but may be of interest to you. In doing this, we may provide information to companies with which we have agreements to jointly market those products and services, including financial service providers, such as insurance providers; and non-financial companies, such as direct marketers of discount membership programs and warranty programs. This information includes: (1) information about you, including your name, address, telephone number, and/or date of birth; and (2) your transactions with us, our affiliates, or others, including your original loan amount or outstanding balance, date of account opening, and/or payment history.

Other than as described in this section or as otherwise permitted by law, we do not sell customer lists or share your nonpublic personal information.

Your Preferences

You may direct us not to share information about you with third parties, other than as permitted or required by law. If you have already directed us not to share information about you with third parties other than as permitted by law, then it is not necessary to notify us of your preferences unless you wish to receive such information in the future. If the law of your home state requires financial institutions to obtain your express permission before sharing your information with third parties for the purpose of informing you about certain products or services, then we will not share your personal information with nonaffiliated third parties except as permitted by the law of your home state.

Privacy Preferences

If you prefer that we do not share your information other than as permitted by law, you may not receive notice of new products, services, or discounts. We will comply with instructions from either the Primary Borrower or the Co-Borrower.
You can notify us of your preference by:

1. Using our toll-free system at 1-800-654-4566, choose option 5 (Other Information) and press 1.
2. Using the Internet at www.MyMidlandMortgage.com through My Mortgage account access.
3. Mailing a completed Privacy Preferences form to: Midland Mortgage Co., Attn: Privacy Preferences, P.O. Box 26648, Oklahoma City, OK 73126-0648

After your loan is paid in full or your relationship with us is otherwise terminated, we will continue to adhere to the information practices described in this and subsequent notices.

It may take up to 60 days to fully process your preferences.