PRIVACY NOTICE

Introduction – Paul M. Johnson TS&LD# 21313 DBA - Texas State Mortgage Consulting brokerages mortgage products through and TS&LD Lic held by American Homefront Mortgage. And as such each party know that you expect privacy and security for your personal financial information. This privacy policy is designed to inform you of the type of information we collect from our customers, how we use that information, and the circumstances under which we will share it with third parties.

We Respect Your Privacy – Both Texas State Mortgage Consutling and American Homefront Mortgage respects your privacy and is committed to treating your information responsibly. We believe many consumers appreciate receiving offering if products and services that may be useful to them. At the same time, we understand that we need to safeguard sensitive information that you have provided to us and that you expect privacy and security for your personal and financial affairs,

Information Collection - Both Texas State Mortgage Consutling and American HomeFront Mortgage will collect nonpublic personal information about you only where we reasonably believe the information will be necessary or useful in processing or administering your loan, or providing products, services and other opportunities that we think will be of interest to you. In this notice, the term non-public personal Information refers to information about you that we receive from the sources described below and that is not otherwise lawfully available to the general public.

We collect non public personal Information about you from the following sources: (1) Information we receive from you on application and other forms, (2) information about your transactions with us, our affiliates or others, and (3) information we receive from consumer reporting agencies.

Information Sharing - Both Texas State Mortgage Consutling and American Homefront Mortgage does not disclose any non-public personal information about our customers or former customers to anyone, except as required or permitted by law.

Maintenance of Accurate Information - We have established procedures designed to ensure that your nonpublic personal information is as accurate and complete as possible, in accordance with reasonable commercial standards. If you believe that our records contain inaccurate or incomplete information about you, please notify us by calling 512-326-2186 with Attention to Paul M. Johnson We will take reasonable steps to investigate your concerns and correct inaccurate information in a timely manner.

Confidentiality and Security - We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

We maintain physical, electronic and procedural safeguards to comply with federal standards to guard your nonpublic personal information.

We appreciate your business and want you to understand our commitment to maintaining the privacy of your nonpublic information, as expressed in this Privacy Policy. This Privacy Policy applies only to individual consumers. The Privacy Policy is effective as of March 1, 2005. We reserve the right to amend the policy at any time. If you have questions about this Privacy Policy, please contact Paul M. Johnson

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