PRIMELENDING LEGAL

Legal

All loans subject to credit approval. Rates and fees subject to change. Mortgage financing provided by PrimeLending, a PlainsCapital Company. Equal Housing Lender. © 2013 PrimeLending, a PlainsCapital Company. 

PrimeLending, a PlainsCapital Company (NMLS: 13649) is a wholly owned subsidiary of a state-chartered bank and is an exempt lender in the following states: AK, CO, DE, FL, GA, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NV, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WI, WY. Licensed by: AL State Banking Dept–consumer credit lic no. MC21004; Arkansas Securities Dept.- combination mortgage banker-broker-servicer lic no. 105190; AZ Dept. of Financial Institutions–mortgage banker lic no. BK 0907334; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act- lender lic no. 4130996.; CT Dept. of Banking–lender lic no. ML-13649; D.C. Dept. of Insurance, Securities and Banking–dual authority lic no. MLB13649; Hawaii Mortgage Loan Originator Company License- license no. HI-13649; IL Dept. of Financial and Professional Regulation–lender lic no. MB.6760635; IN Dept. of Financial Institutions–sub lien lender lic no. 11169; ME Dept. of Professional & Financial Regulation–supervised lender lic no. SLM8285; MD Dept. of Labor, Licensing & Regulation–lender lic no. 11058; Massachusetts Division of Banking–lender & broker license nos. MC5404, MC5406, MC5414, MC5450, MC5405; MI Dept. of Labor & Economic Growth–broker/lender lic nos. FR 0010163 and SR 0012527; Licensed by the New Hampshire Banking Department–lender lic no. 14553-MB; NJ Dept. of Banking and Insurance-lender lic no. 0803658; NM Regulation and Licensing Dept. Financial Institutions Division–lender license no. 01890; ND Dept. of Financial Institutions–money broker lic no. MB101786; NY– NY Banking Department – Lic. Mort. Banker – NYS Dept. of Fin. Svcs. Lic no. B500999 (2000 Winton Road Bldg. 1 #102 Rochester, NY 14618); OR Division of Finance and Corporate Securities- mortgage lending lic no ML-5260; RI Division of Banking–lender lic no. 20102678LL and broker lic no. 20102677LB; VT Dept. of Banking, Insurance, Securities and Health Care Administration–lender lic no. 6127 and broker lic no. 0964MB; WA Dept. of Financial Institutions-consumer lender lic no. CL-13649; WV Div. of Financial Institutions–lender license ML31704 and broker license MB-31703. V121013. Privacy Policy

Website Privacy Policy

Visitors to the PlainsCapital website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

• Date and time our site was accessed
• IP address
• Web browser used
• City, state and country

We use this information to create summary statistics and to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information via email, online registration forms or our guest book. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations. Some areas of our website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages the visitor uses within the site and to know if the site has been visited previously.

See our Privacy Policy

Patriot Act

In accordance with Section 326 of the USA PATRIOT Act of 2001, PrimeLending is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act.

Sharing with Nonaffiliated Companies

From time to time, we will share customer information with those companies, which are not affiliated with our corporation, in order to provide the products and services that you have requested or already have with us. These companies may include (but are not limited to) financial service providers such as insurance companies, payment or data processing companies, check printing companies, retailers, non-profit organizations, etc. These companies assist us in fulfilling and maintaining your service requests, processing your transactions, or mailing account statements. We make sure that each company is contractually obligated to keep our customer's information confidential, and use of the information is strictly limited to providing the services we have asked them to perform for you and us.

Affiliate Sharing Opt-Out

The Fair Credit Reporting Act allows you the opportunity to limit the sharing of "non-experience" information within the PlainsCapital family of companies. Such information includes information that is used, expected to be used or collected for the purpose of establishing your eligibility for consumer credit and related products and services and is not related solely to your transactions or other communications with us. Examples of non-transaction, non-experience information could include data contained in a consumer credit report or application information such as income and assets.

If you would prefer that we not share "non-experience" information within the PlainsCapital family of companies, you may exercise your opt out provision below. If you opt out of our sharing "non-experience" information within the PlainsCapital family, we may still share information with our affiliates relating solely to your transactions or other communications with us as disclosed in our Privacy Policy

Important Information

PlainsCapital Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against PlainsCapital Bank should contact the Texas Department of Banking through one of the means indicated below.

In person or by U.S. Mail:
2601 North Lamar Blvd., Suite 300
Austin, Texas 78705-4294
Phone: 877-276-5554
Fax: 512-475-1313

Email: consumer.complaints@banking.state.tx.us
Website: www.banking.state.tx.us

Family of Companies

The following is a list of affiliated companies of PlainsCapital Corporation and PlainsCapital Bank, as of January 2009, to which this privacy policy applies:

• PrimeLending, A PlainsCapital Company
• PrimeLending Ventures, LLC
• PlainsCapital Mortgage Services
• Hester Capital Management
• PlainsCapital Equity Partners
• PlainsCapital Securities
• PlainsCapital Leasing
• First Southwest Holdings

Completing Online Forms

When you complete a form online, such as an online mortgage application, PrimeLending has programs in place to protect it. The information you supply is encrypted and then decoded to begin processing when it arrives to PrimeLending. If you would like to feel more secure as you work with your confidential information online, you can look for a couple features in your web browser that will provide you assurance that your information is protected. First, you can look for a lock icon, typically found in a lower corner of your web window or at the end of the window where the web address appears. Also, within the web address, you can look for it to read https:// at the beginning of the URL. With it typically reading https://, the addition of the "s" means the site you are visiting is secure. With PrimeLending, you are covered!

Emailing

When emailing your PrimeLending contacts, please keep in mind the security settings from which you are transmitting this information. While information we share via email within our organization is guarded and secure, messages emailed in from outside providers cannot be guaranteed. When communicating with your PrimeLending contents, please be sure only to send confidential information (account numbers, social security numbers, etc…) from secure email services. If you are not sure of the security settings of your email, it is often safer to provide confidential information via the postal system, by calling or through visiting the office location.

Home Mortgage Disclosure Act

Enacted by Congress in 1975, the Home Mortgage Disclosure Act legislates the reporting of loan data by lending institutions. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. This data is reported by the lending institutions on the first of March for loans and applications of the previous calendar year. If requested, lenders need to have the information available within 30 days of the request but not earlier than March 31st.
To receive a copy of these data send a written request to:
PrimeLending, A PlainsCapital Company
Compliance Department
18111 Preston Road, Suite 900
Dallas, TX 75252

The Federal Equal Credit Opportunity Act

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the bases of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because all or part of the applicants income derives from any public assistance program; or, because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Security Policy

PrimeLending, A PlainsCapital Company, places a high priority on protecting your personal and confidential information. We make every effort to guard the information you provide us, no matter how we receive it.

Completing Online Forms

When you complete a form online, such as an online mortgage application, PrimeLending has programs in place to protect it. The information you supply is encrypted and then decoded to begin processing when it arrives to PrimeLending. If you would like to feel more secure as you work with your confidential information online, you can look for a couple features in your web browser that will provide you assurance that your information is protected. First, you can look for a lock icon, typically found in a lower corner of your web window or at the end of the window where the web address appears. Also, within the web address, you can look for it to read https:// at the beginning of the URL. With it typically reading https://, the addition of the "s" means the site you are visiting is secure. With PrimeLending, you are covered!

Linking Outside of the PrimeLending Website

PrimeLending is not held responsible for any information or content found on websites linked to or from our company website. Any link that might be provided is for the potential benefit of the visitor to our site; however, the accuracy of the third party's site's content is not guaranteed. Third party sites also operate under different privacy and security policies which may be different from those of PrimeLending.