Privacy Policy

Facts	What does Atlantic Bay Mortgage Group and its family of companies do with your personal information?
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 account balances Credit history and credit scores Employment information 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 Atlantic Bay Mortgage Group and its family of companies chooses to share; and whether you can limit this sharing.

All the below categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Reasons we can share your personal information	Does Atlantic Bay Mortgage Group and its family of companies share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes – information about your transactions and experiences	Yes	Yes
For our affiliates' everyday business purposes – information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	Yes
To limit our sharing	Use our online form (www.atlanticbay.com/opt-out) and our menu will prompt you through your choice(s). Please note: If you are a new customer, we can begin sharing your information thirty (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.
Questions?	Use our online form (www.atlanticbay.com/opt-out)

Who we are
Who is providing this notice?	This notice is provided by Atlantic Bay Mortgage Group and its family of companies, as listed in the section below titled, 'Other important information'.

What we do
How does Atlantic Bay and its family of companies 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 computer safeguards and secured files and buildings. Our employees are committed to safeguarding customer information and preventing its unauthorized access, disclosure, or use. In accessing your personal information, our employees are bound by the Code of Ethics Policy and our information security standards.
How does Atlantic Bay and its family of companies collect my personal information?	We collect your personal information, for example, when you: apply for a loan or deposit money open an account or pay your bills provide account information We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
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 limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies with an Atlantic Bay name and other financial companies such as mortgage companies, title agencies, and insurance agencies. For a list of our affiliates, see the section below.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include certain information regarding your experience with Atlantic Bay, such as, name, address, phone number, and email address. This information is shared with non-affiliates with whom we have a formal relationship to offer certain home ownership services to you. At no time will we share your social security number or loan information.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you: Our joint marketing partners include financial companies that may provide products or services on our behalf.

Other important information
Atlantic Bay Mortgage Group, L.L.C.; Mullinix Mortgage Group; AB Insurance LLC, Atlantic Carolinas Title LLC, and AB Title LLC; Gray Fox, LLC State and Federal Regulations: In addition to federal law, you may have other privacy protections under some state laws. We will comply with all applicable state laws as to information about you.

Other important information

Atlantic Bay Mortgage Group, L.L.C.; Mullinix Mortgage Group; AB Insurance LLC, Atlantic Carolinas Title LLC, and AB Title LLC; Gray Fox, LLC

State and Federal Regulations: In addition to federal law, you may have other privacy protections under some state laws. We will comply with all applicable state laws as to information about you.