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PURCHASE REFINANCE



PROTECTION OF THE PRIVACY OF PERSONAL NON-PUBLIC INFORMATION

User Privacy

Information the Companies Collect

Newrez LLC and its subsidiary lenders, Capital Partners Mortgage, LLC, Carolina
One Mortgage, LLC, Conway Financial Services, LLC, Guaranty Mortgage Services,
LLC, Homeowners First Mortgage, LLC, Landed Home Loans, LLC, Milestone Home
Lending, LLC, Mission Mortgage LLC, Newrez Community Lending LLC, Partners
United Financial, LLC, Plus Relocation Mortgage, LLC, Preferred Lending
Services, LLC, Sanctuary Home Mortgage LLC, Shelter Home Mortgage, LLC, Shelter
Lending Services, LLC, Shelter Mortgage Company, LLC, Summit Home Mortgage, LLC,
Synergy Home Mortgage, LLC, and Your Home Financial LLC (each individually,
“Company” or, collectively, the “Companies”) may collect certain types of
information from you, such as information you voluntarily provide via forms,
surveys, applications, etc. when you visit the Companies’ sites. The Companies
may also collect information about you from your online browsing and
transactions, including your preferences, pages visited, technical information
regarding your computer and operating systems, such as your Internet Protocol
(IP) address, domain name and system configuration and settings.

What are Cookies?

Cookies are pieces of information stored directly on the computer you are using.
The Companies, or any of the Companies’ third-party advertising service
providers, may place cookies or similar files on your hard drive for security
purposes, to facilitate site navigation and to personalize your experience while
visiting the Companies’ sites. Cookies allow the Companies to collect technical
and navigational information, such as browser type, time spent on its respective
site and pages visited. Cookies allow the Companies to select which of its
advertisements or offers are most likely to appeal to you and display them while
you are on the Companies’ websites. The Companies may also use cookies in online
advertising to track consumer responses to the Companies’ advertisements and may
use cookies or other files to track your use of other websites. Cookies and
other technologies provide the Companies the capability to monitor the use of
the Companies’ websites so the Companies can continually improve the design and
functionality to better serve you. Cookies and similar files do not contain or
capture unencrypted personally identifiable data.

If you do not accept these cookies, you may experience some inconvenience in
your use of some online options. You also may not receive advertising or other
offers from the Companies that are relevant to your interests and needs. The
Companies use web-browsing cookies to display information more effectively to
you and to gather data about the usage of the Companies’ websites.

At times, the Companies may use other technologies to capture customer specific
data to help understand how customers use the Companies’ sites and to assist us
with resolving customers' questions regarding the use of the Companies’ sites.

Advertising

The Companies advertise on pages within the Companies’ websites as well as on
other websites not affiliated with the Companies. The Companies contract with
other companies to advertise to you through the use of cookies and web beacons.

Information collected through cookies and web beacons includes the number of
people who look at each of the pages on the Companies’ websites, search engine
referrals, browsing patterns within the Companies’ websites, and responses to
advertisements and promotions on the Companies’ websites. Information collected
may also include other trends and activity on the Companies’ websites, basic
information about whether you have visited the sites before, your Internet
connection and computer settings, such as your browser, your IP address and your
time zone.

From time to time, consumers will experience 'Pop Ups' from other companies
while visiting the Companies’ sites. Pop Ups are generated by 'Adware' placed on
your computer when other sites have been visited. The Companies do not
participate in the use of Adware.

Advertising on the Companies’ websites

The Companies advertise their respective products and services, on pages within
the Companies’ websites. These advertisements may take the form of banner ad,
and other formats.

Advertising on other websites

The Companies contract advertising with other companies to advertise the
Companies’ accounts and services on websites not affiliated with the Companies.
If you click on one of the Companies’ ads, you link to the particular Company
website that offers the advertised service. These ads may contain cookies that
allow tracking of your response to the Company’s advertisements. These cookies
do not identify you personally. The Companies prohibit any company that places
the Companies’ ads from using this information for any purpose other than to
assist the Companies in measuring the effectiveness of the Companies’ ads.

How the Companies use and share information

Unless otherwise described in this policy, the Companies will use and share any
information that the Companies collect from or about you that is covered by this
policy in accordance with the Customer Privacy Policy below.

The Companies may also share aggregated or anonymous data about the Companies’
customers and visitors to the Companies’ websites with advertising service
providers and with companies that help the Companies understand how you use the
Companies’ websites.

Linking to other sites

The Companies may provide links to other companies, such as credit bureaus or
merchants. If you choose to link to websites not controlled by the Companies,
the Companies are not responsible for the privacy or security of these sites,
including the accuracy, completeness, reliability or suitability of their
information. If you are asked to provide information on one of these websites,
you are strongly urged to carefully study their privacy policies before sharing
your information.

Looking out for children

The Companies do not knowingly market to or solicit information from children
under 13 without parental consent. The Companies recognize that protecting
children's identities and privacy online is important, and that the
responsibility to do so rests with both the online industry and with parents.
While the Companies work to protect your personal information, you also have
responsibility.

Internet safety for children. The Internet is a public network. Children's
access to the Internet can allow them to visit inappropriate websites and be
exposed to unwanted risks. COPPA, the Children's Online Privacy Protection Act,
protects children under the age of 13 from the online collection of personal
information. Learn more about COPPA on the Federal Trade Commission's website.
Parents can be proactive by installing filtering software that gives them more
control over their family's Internet experience.

The Companies recommend that minors 13 years of age or older ask their parents
for permission before sending any information about themselves to anyone over
the Internet.

Customer Privacy

Respecting and protecting customer privacy is vital to each Company’s business.
By explaining the Company’s Customer Privacy Policy to you, the Company trusts
that you will better understand how it keeps customer information private and
secure while using it to serve you better. Keeping customer information secure
is a top priority, and the Company is disclosing the Customer Privacy Policy to
help you understand how it handles the personal information about you that the
Company collects and discloses. This notice explains how you can limit the
Company’s disclosure of personal information about you. The provisions of this
notice will apply to former customers as well as current customers unless
otherwise stated.

The Customer Privacy Policy explains the Following:

 * Protecting the confidentiality of customer information.
 * Who is covered by the Customer Privacy Policy.
 * How information is gathered.
 * The types of information that is shared, why, and with whom.
 * Opting Out - how to instruct a Company not to share certain information about
   you or not to contact you.

Protecting the Confidentiality of Customer Information:

The Company takes its responsibility to protect the privacy and confidentiality
of customer information very seriously. Each Company maintains physical,
electronic, and procedural safeguards that comply with federal standards to
store and secure information about you from unauthorized access, alteration, and
destruction. The Company’s control policies, for example, authorize access to
customer information only by individuals who need access to do their work.

From time to time, the Company may enter into agreements with other companies to
provide services to the Company or make products and services available to you.
Under these agreements, the companies may receive information about you but they
must safeguard this information, and they may not use it for any other purposes.

Who is Covered by the Customer Privacy Policy:

Each Company provides its Customer Privacy Policy to customers when they conduct
business with the Company. If changes are made to the Customer Privacy Policy to
permit the Company to share additional information it has about you, as
described below, or to permit disclosures to additional types of parties, you
will be notified in advance. This Customer Privacy Policy applies to consumers
who are current customers or former customers.

How the Company Gathers Information:

As part of providing you with financial products or services, the Company may
obtain information about you from the following sources:

 * Application, forms, and other information that you provide to the Company,
   whether in writing, in person, by telephone, electronically, or by any other
   means. This information may include your name, address, employment
   information, income, and credit references;
 * Your transaction with the Company, its affiliates, or others. This
   information may include your account balances, payment history, and account
   usage;
 * Consumer reporting agencies. This information may include account information
   and information about your credit worthiness;
 * Public sources. This information may include real estate records, employment
   records, telephone numbers, etc.

Information the Company Shares:

The Company may disclose information it has about you as permitted by law. The
Company is required to or the Company may provide information about you to
third-parties without your consent, as permitted by law, such as:

 * To regulatory authorities and law enforcement officials.
 * To protect against or prevent actual or potential fraud, unauthorized,
   claims, or other liability.
 * To report account activity to credit bureaus.
 * To consumer reporting agencies.
 * To respond to a subpoena or actual sale, merger, or transfer of all or a
   portion of a business or an operating unit, etc.
 * In connection with a proposed or actual sale, merger, or transfer of all or a
   portion of a business or an operating unit, etc.

In addition, the Company may provide information about you to its service
providers to help the Company perform marketing services. This information
provided to these service providers may include the categories of information
described above under "How the Company Gathers Information" limited to only that
which the Company deems appropriate for these service providers to carry out
their functions and enable the Company to market to you.

This policy is subject to change.

Opting Out

You may choose to Opt Out of direct marketing by a Company at any time. You may
also limit the contact from a Company. You may Opt Out of the following:

 1. No Telephone Calls from the Company;
 2. No Email from the Company;
 3. No Direct Mail from the Company;
 4. Information Sharing with the Company’s affiliates;
 5. Information Sharing with non-affiliates of the Company.

To Opt Out please contact the respective Company as follows:

Newrez LLC: Unsubscribed_OptOuts@newrez.com or send a letter to: Newrez LLC,
Attn: Compliance Dept., 1100 Virginia Drive, Suite 125, Fort Washington, PA
19034

Capital Partners Mortgage, LLC: Unsubscribed_OptOuts@capitalpartnersmtg.com or
send a letter to: Capital Partners Mortgage, LLC c/o Newrez LLC, Attn:
Compliance Dept., 1100 Virginia Drive, Suite 125, Fort Washington, PA 19034

Carolina One Mortgage, LLC: Unsubscribed_OptOuts@CarolinaOneMTG.com or send a
letter to: Carolina One Mortgage, LLC c/o Newrez LLC, Attn: Compliance Dept.,
1100 Virginia Drive, Suite 125, Fort Washington, PA 19034

Conway Financial Services, LLC: Unsubscribed_OptOuts@ConwayFinancial.com or send
a letter to: Conway Financial Services, LLC c/o Newrez LLC, Attn: Compliance
Dept., 1100 Virginia Drive, Suite 125, Fort Washington, PA 19034

Guaranty Mortgage Services, LLC: Unsubscribed_OptOuts@guarantymortgage.com or
send a letter to: Guaranty Mortgage Services, LLC c/o Newrez LLC, Attn:
Compliance Dept., 1100 Virginia Drive, Suite 125, Fort Washington, PA 19034

Homeowners First Mortgage, LLC: Unsubscribed_OptOuts@homeownersfirst.com or send
a letter to: Homeowners First Mortgage, LLC c/o Newrez LLC, Attn: Compliance
Dept., 1100 Virginia Drive, Suite 125, Fort Washington, PA 19034

Landed Home Loans, LLC: Unsubscribed_OptOuts@landedhomeloans.com or send a
letter to: Landed Home Loans, LLC c/o Newrez LLC, Attn: Compliance Dept., 1100
Virginia Drive, Suite 125, Fort Washington, PA 19034

Milestone Home Lending, LLC: Unsubscribed_OptOuts@MilestoneHL.com or send a
letter to: Milestone Home Lending, LLC c/o Newrez LLC, Attn: Compliance Dept.,
1100 Virginia Drive, Suite 125, Fort Washington, PA 19034

Mission Mortgage LLC: Unsubscribed_OptOuts@MyMissionloan.com or send a letter
to: Mission Mortgage LLC c/o Newrez LLC, Attn: Compliance Dept., 1100 Virginia
Drive, Suite 125, Fort Washington, PA 19034

Newrez Community Lending LLC: Unsubscribed_OptOuts@NPCommunityLending.com or
send a letter to: Newrez Community Lending LLC c/o Newrez LLC, Attn: Compliance
Dept., 1100 Virginia Drive, Suite 125, Fort Washington, PA 19034

Partners United Financial,
LLC: Unsubscribed_OptOuts@partnersunitedfinancial.com or send a letter to:
Partners United Financial, LLC c/o Newrez LLC, Attn: Compliance Dept., 1100
Virginia Drive, Suite 125, Fort Washington, PA 19034

Plus Relocation Mortgage,
LLC: Unsubscribed_OptOuts@PlusRelocationMortgage.com or send a letter to: Plus
Relocation Mortgage, LLC c/o Newrez LLC, Attn: Compliance Dept., 1100 Virginia
Drive, Suite 125, Fort Washington, PA 19034

Preferred Lending Services, LLC: Unsubscribed_OptOuts@FLPLS.com or send a letter
to: Preferred Lending Services, LLC c/o Newrez LLC, Attn: Compliance Dept., 1100
Virginia Drive, Suite 125, Fort Washington, PA 19034

Sanctuary Home Mortgage LLC: Unsubscribed_OptOuts@sanctuaryhomemortgage.com or
send a letter to: Sanctuary Home Mortgage LLC c/o Newrez LLC, Attn: Compliance
Dept., 1100 Virginia Drive, Suite 125, Fort Washington, PA 19034

Shelter Home Mortgage,
LLC: Unsubscribe_OptOutsShelterHomeMortgage@sheltermortgage.com or send a letter
to: Shelter Home Mortgage, LLC c/o Newrez LLC, Attn: Compliance Dept., 1100
Virginia Drive, Suite 125, Fort Washington, PA 19034

Shelter Lending Services,
LLC: Unsubscribed_OptOutsShelterLendingServices@ShelterMortgage.com or send a
letter to: Shelter Lending Services, LLC c/o Newrez LLC, Attn: Compliance Dept.,
1100 Virginia Drive, Suite 125, Fort Washington, PA 19034

Shelter Mortgage Company, LLC: Unsubscribed_OptOuts@ShelterMortgage.com or send
a letter to: Shelter Mortgage Company, LLC c/o Newrez LLC, Attn: Compliance
Dept., 1100 Virginia Drive, Suite 125, Fort Washington, PA 19034

Summit Home Mortgage, LLC: Unsubscribed_OptOuts@summithomemtg.com or send a
letter to: Summit Home Mortgage, LLC c/o Newrez LLC, Attn: Compliance Dept.,
1100 Virginia Drive, Suite 125, Fort Washington, PA 19034

Synergy Home Mortgage, LLC: Unsubscribed_OptOuts@Synergyhm.com or send a letter
to: Synergy Home Mortgage, LLC c/o Newrez, LLC, Attn: Compliance Dept., 1100
Virginia Drive, Suite 125, Fort Washington, PA 19034

Your Home Financial LLC: Unsubscribed_OptOuts@Yourhomefinancial.com or send a
letter to: Your Home Financial LLC c/o Newrez, LLC, Attn: Compliance Dept., 1100
Virginia Drive, Suite 125, Fort Washington, PA 19034

--------------------------------------------------------------------------------

Click here for the Privacy Notices for all entities

Click here for the Newrez Servicing Privacy Notice

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Newrez LLC NMLS #3013

1100 Virginia Drive, Suite 125
Fort Washington PA 19034

1-888-673-5521

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Doing business as Newrez Mortgage LLC in the state of Texas. Alaska Mortgage
Lender License #AK3013. Arizona Mortgage Banker License #919777. Licensed by the
Department of Financial Protection & Innovation under the California Residential
Mortgage Lending Act. Loans made or arranged pursuant to a California Finance
Lenders Law license. Massachusetts Lender #ML-3013. Licensed by the N.J.
Department of Banking and Insurance. Licensed Mortgage Banker-NYS Banking
Department.

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