Richland Equity Resources Corp. has always believed that the protection of your right to privacy is a fundamental part of our banking relationship. With technological advances, such as on-line banking, customers have the opportunity to transact business with Richland Equity Resources Corp. with greater comfort and easier access. With such developments, Richland Equity Resources Corp. has taken important steps to ensure that your privacy is protected throughout all of your transactions, including information that you may reveal while visiting our Website.

As with any normal banking transaction, your information and transactions remain strictly confidential. Once you logon to www.Richlandequity.com, your session will be secured using a certified 128-bit encrypted connection. All transactions and conversations take place in this encrypted environment, ensuring that the information transmitted between us is secure and remains private at all times. It cannot be read or seen by anyone else.

Richland Equity Resources Corp. adopts the Privacy Principles for U.S. Financial Institutions, which have been adopted by the American Bankers Association, the Bankers Roundtable, and the Consumer Bankers Association.

Privacy Principles

Recognition of Your Expectation to Privacy
Richland Equity Resources Corp. recognizes that when you visit our Website and engage in transactions on-line, you expect that your privacy will be protected. We will only ask you to disclose personal information if it is necessary to provide you with the services that you request, or if such information is needed to maintain your accounts with us. We maintain these standards in order to prevent the misuse of your personal information.

Collection, Use and Retention of Your Information
Richland Equity Resources Corp. will collect, use and retain your private information when we reasonably need this information in order to provide the products, services, or opportunities that you request. We will use this information about you to communicate with you, to identify you when you use our Website banking services, to comply with laws and regulations, and to prevent unauthorized access or use of your personal information. Richland Equity Resources Corp. will only obtain and use your personal information when you have knowingly provided it to us in order to facilitate your banking relationship with us.

This site does not use cookies or any other technique to store information locally on your computer. All requests for information are serviced from within a secure server environment and no information on you or your transactions is stored in the public domain.

Usage information is recorded for statistical and sites management purposes only. This information is not intended to identify individual users. No information on your usage of this site, including logs and cache, will be made available to any third party. If you have any questions or comments about the collection, use and retention of your personal information, you may contact us at our Website at www.richlandequity.com

Our Maintenance of Accurate Information
We are committed to making sure that the information, which you supply during our banking relationship, is accurate, current, and complete. We have procedures to ensure that your information is accurate, and take reasonable measures to keep your information current and complete. If you notice that any of your personal information is incorrect, or not complete, please contact us immediately at mortgage@richlandequity.com. Richland Equity Resources Corp. will take prompt action to correct any inaccurate information.

Limiting Employee Access to Your Information
We will ensure that Richland Equity Resources Corp. limits employee access to your personal financial information. Only those employees who are directly assisting you, or who have a legitimate need to know the information, in order to serve you, shall have access to your personal information. We have security procedures that assist us in keeping access to your personal information limited.

Protection of Your Information Via Security Procedures
Richland Equity Resources Corp. understands that as technological advances make access to information easier and faster, there is a heightened need for security procedures to protect your personal information. We take steps to revise and update our technology in order to ensure that your information is secure. We have security standards and procedures that are designed to prevent unauthorized access of your personal information and to guard against the unauthorized disclosure of this information.

Restrictions on the Disclosure of Your Account Information
In order to provide you with the banking services and programs that you desire, it may be necessary to share your personal information with Richland Equity Resources Corp. parent's company, affiliates, and/or third parties. These third parties include collection agencies, insurance agencies/companies, mortgage administration and revision companies, marketing companies, and security broker-dealers. We will only share personal information that you have knowingly and voluntarily disclosed. We will share this information only according to our strict confidentiality policies and applicable law.

Maintaining Your Privacy in Business Relationships with Third Parties
As stated above, in some circumstances, Richland Equity Resources Corp. may need to disclose your personal information with a third party or affiliate in order to provide you with the banking services that you desire. Your personal information may be disclosed in certain circumstances, such as when your loan needs to be serviced by a servicing company, when we need to contact credit reporting agencies to verify your information, or when we need to contact other vendors to support or service your loan. These affiliates and third parties are required to conduct their business according to applicable laws, and Richland Equity Resources Corp. requires that these entities follow the Privacy Principles of Richland Equity Resources Corp. We may also provide information to regulatory authorities and law enforcement officials in accordance with applicable law.

Disclosure of Privacy Principles to You
Richland Equity Resources Corp. has formulated these principles and displayed them on our Website to help you understand how we use your personal information while you access and communicate with this Website. Richland Equity Resources Corp. is committed to protecting your privacy and, as always, strives to provide you with top-notch service for all of your banking needs. If you have any questions about Richland Equity Resources Corp. Privacy Policies, please contact us at mortgage@richlandequity.com.
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