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Privacy Disclosure IMPORTANT INFORMATION ABOUT PRIVACY FROM CITYWIDE MORTGAGE CORPORATION This notice provides information to you, our customer, about how we collect, disclose, and protect "nonpublic personal information" we obtain about you in the course of our business together. When we use the terms "nonpublic personal information" in this notice, we mean personally identifiable financial information that is not publicly available. Information we may collect. We collect non public personal information about you from you and from other sources, including the following sources:        *Information we receive from you on loan applications or other forms;        *Information about your transactions with us or others;        *Information we receive from a consumer reporting agency. We may disclose all of the information that we collect, as described above. We may disclose nonpublic personal information about our customers and former customers to companies that perform services and functions, including marketing services, on our behalf and we may disclose some of this information to other financial institutions with whom we have joint marketing agreements. You may not opt out of these disclosures. We may disclose non public personal information about our customers and former customers to third party financial service providers, such as insurance agents, who may want to offer you products and services. We may also disclose nonpublic personal information about our customers and former customers to nonaffiliated third parties as permitted by law. If you prefer that we not disclose nonpublic personal information about you to non affiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). An opt out by a joint customer will be treated as applying to all joint customers. How we protect our information. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with government regulations to guard your nonpublic personal information. This policy may change. We reserve the right to change our privacy policy and this privacy notice from time to time without prior notice to you, unless prior notice is required by law.