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Privacy Notice – Axcell Financial Mortgage Corp.

This privacy notice serves to inform you on how financial companies collect and share your personal information. Axcell Financial takes online privacy seriously. This statement is one way of confirming your trust in our company, our products, and our services. Federal law allows consumers the right to limit some, but not all sharing. Federal law also requires financial companies to inform you on how we collect, share and protect your personal information. Please read this notice carefully to understand how we use information we collect.

Information we collect:

When you fill out an application or any other form, we ask for information, which helps us communicate and evaluate your need(s), and to determine eligibility for products or services. All financial companies need to share customers’ personal information to run everyday business. We collect personal information when you apply for a loan, including information about income, employment, current mortgage, if any, and contact information, captured from your government-issued ID. We also collect your personal information from others, such as credit bureaus, affiliates and other companies. We restrict access to the information obtained from our web site and web pages only to our employees and only those parties needed to process your information. We log all website activity and we periodically review activity in order report malicious, and/or inappropriate activity to the appropriate law enforcement authorities. We maintain physical, electronic, and procedural safeguards designed to protect your personal information. To protect your 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.

In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Axcell Financial chooses to share; and whether you can limit this sharing.

We can share your personal information for:

Everyday business purpose- Such as to process your loan application, service your, report to credit reporting agencies and respond to court orders and legal investigations.

Share - YES

Can you limit this sharing? NO

Marketing purposes- To offer our products and services to you.

Share - YES

Can you limit this sharing? NO

Joint marketing with other financial companies-

Share - YES

Can you limit this sharing? NO

Affiliate business purposes- Information about your transactions and experiences.

Share - YES

Can you limit this sharing? NO

Affiliate’s everyday business purposes- Information about your creditworthiness.

Share - YES

Can you limit this sharing? YES

Affiliate to market you-

Share - YES

Can you limit this sharing? YES

Non-affiliates to market to you-

Share - YES

Can you limit this sharing? We do not share

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. (See below for more on your rights under state law.)

You can contact us at any time to limit our sharing. If you have Questions about This Privacy Statement, contact Axcell Financial at: This email address is being protected from spambots. You need JavaScript enabled to view it. – 908.964.0010– 2444 Morris Avenue, Union – NJ, 07083.

To limit sharing

• Call 908-964-0010
• Visit us online at axcellfinancial.com
• Complete and Mail this Opt-Out page

TO OPT OUT, MAIL IN THE FOLLOWING INFORMATION:

Mark any/all you want to limit

____Do not share information about my credit worthiness with your affiliates for their everyday business purposes

____Do not allow your affiliates to use my information to market to me

____Do not share my personal information with non-affiliates to market their goods and services to me

Your choice will apply individually unless you tell us otherwise. Any account holder may express a privacy preference on behalf of the other joint account holders.

Last Name: (Please Print) ____________________________________________

First Name: (Please Print) ____________________________________________

Loan Account Number: _______________________________________________

Street Address: _____________________________________________________

City: _______________________State: ______________ Zip: ________________

Mailing Address: (If different than street address)__________________________

City: _______________________State: ______________ Zip: _________________

Signature: _______________________________________ Date:_______________

Mail To:

Axcell Financial Mortgage

2444 Morris Avenue

Union, NJ 07083.

Attn: Production Support – RE: Privacy/Information Sharing Opt-Out

Will Axcell Financial. Make Changes To This Privacy Statement?

This statement remains in effect until amended. Axcell Financial reserves the right to amend this Privacy Statement or alter its privacy principles at its sole discretion without notice to you. Any alterations to this Privacy Statement or our privacy principles will be updated on our web site.

Important Notice About Credit Reporting: Please note that we report information about you to consumer reporting agencies. Late payments, missed payments or other defaults on your account may be reflected on your credit report.

The Mission

WWe are confident that your association with our Company anf fellow employees will be an enjoyable one. For years, we have worked together to provide our customers with quality products and services. We have enjoyed steady growth largely due to the enthusiasm and dedication of our employees. You will find a warm welcome here.

Personalized Programs

AAt Axcell Financial Mortgage DBA AFM Mortgage Corp., we know that purchasing a home is the most important investment you will make. It may also be the most important decision you will make in your life. Why risk having an individual or institution, whose main concern is filling quotas, provide you with only a “yes” or “no” option. We have various programs to suit all your mortgage needs. Our knowledge of existing programs makes it easy for us to find a loan that will match your credit criteria. No matter what your situation may be, we are professionals who take pride in giving our customers the best options. You no longer have to fear being turned down for a loan. We understand that credit is not always perfect and can guide you towards taking the appropriate steps in obtaining your home. With over 50 years of combined experience, our friendly and knowledgeable staff is willing and ready to sit with you one on one. AFM Mortgage is always ready to accommodate our clients loan related needs.