GLBA Privacy Notice

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 depend on the product or service you have with us. This information can include: - Social Security Number and income - Employment information and assets - Credit history and credit scores - Property information and transaction history - Account balances and payment history 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 NetRate Mortgage chooses to share; and whether you can limit this sharing.

Contact us at: - Phone: 303-444-5251 - Email: david@netratemortgage.com - Mail: NetRate Mortgage LLC, 357 South McCaslin Blvd., Suite 200, Louisville, CO 80027 Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Who is providing this notice? NetRate Mortgage LLC, NMLS #1111861.

How does NetRate Mortgage 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: - AES-256 encryption for data at rest and in transit - Secure access controls with role-based authentication - Physical safeguards for paper records (locked storage) - Regular review of data protection practices - Employee/contractor training on information security - Secure disposal of consumer information (cross-cut shredding, secure digital deletion) How does NetRate Mortgage collect my personal information? We collect your personal information when you: - Apply for a mortgage loan - Provide information on a loan application (Uniform Residential Loan Application / Form 1003) - Authorize us to obtain credit reports - Submit documents for income, asset, or employment verification - Visit our website or use our online tools We also collect your personal information from others, such as: - Credit bureaus - Employers and income verification services - Appraisal management companies - Title companies - Other financial institutions - Government agencies (tax transcripts, flood certifications) 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 creditworthiness) - Affiliates from using your information to market to you - Sharing for nonaffiliates 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. What happens when I am no longer your customer? We retain your information in accordance with federal and state law and our retention schedule (generally two to seven years depending on the record type and state) and continue to share it only as described in this notice.

Colorado: Under the Colorado Privacy Act (CPA), you may have rights to access, correct, and delete your personal data, and to opt out of targeted advertising. Contact us to exercise these rights. Texas: Texas residents may contact us to inquire about our privacy practices and to exercise opt-out rights under applicable Texas law. Oregon: Oregon residents have additional rights under Oregon consumer protection laws. Contact us for details. California: California residents may have rights under the California Consumer Privacy Act (CCPA/CPRA), including rights to know, delete, and correct personal information, subject to GLBA's exemption for financial data. Contact us to exercise these rights.

Affiliates: Companies related by common ownership or control. NetRate Mortgage LLC has no affiliates. Nonaffiliates: Companies not related by common ownership or control. NetRate Mortgage does not share with nonaffiliates for marketing purposes. Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. NetRate Mortgage does not jointly market.

NetRate Mortgage LLC 357 South McCaslin Blvd., Suite 200 Louisville, CO 80027 Phone: 303-444-5251 Email: david@netratemortgage.com NMLS #1111861