National Note Website Terms and Conditions of Use.

Your use of this website constitutes agreement to our terms and conditions of use.

Terms and Conditions of Use For NationalNote.com and Affiliated Web Sites

National Note of Utah, its subsidiaries and affiliates ("NNU") requires that all the visitors to NationalNote.com or any of our other site(s) on the World Wide Web (the "Site") adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions.

LAWS AND REGULATIONS

User access to and use of the Site is subject to all applicable international, federal, state and local laws and regulations.

COPYRIGHT/TRADEMARKS

The trademarks, logos and service marks ("Marks") displayed on the Site are the property of NNU and other parties. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of NNU or such third party which may own the Marks. All information and content including any software programs available on or through the Site ("Content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.

HYPERLINKING

THIS SITE MAY PROVIDE A LINK TO OTHER SITES BY ALLOWING THE USER TO LEAVE THIS SITE TO ACCESS THIRD-PARTY MATERIAL OR BY BRINGING THE THIRD-PARTY MATERIAL INTO THIS SITE VIA "INVERSE" HYPERLINKS AND FRAMING TECHNOLOGY (A "LINKED SITE"). NNU HAS NO DISCRETION TO ALTER, UPDATE, OR CONTROL THE CONTENT ON A LINKED SITE. THE FACT THAT NNU HAS PROVIDED A LINK TO A SITE IS NOT AN ENDORSEMENT, AUTHORIZATION, SPONSORSHIP, OR AFFILIATION WITH RESPECT TO SUCH SITE, ITS OWNERS, OR ITS PROVIDERS. THERE ARE INHERENT RISKS IN RELYING UPON USING, OR RETRIEVING ANY INFORMATION FOUND ON THE INTERNET, AND NNU URGES YOU TO MAKE SURE YOU UNDERSTAND THESE RISKS BEFORE RELYING UPON, USING, OR RETRIEVING ANY SUCH INFORMATION ON A LINKED SITE.

NO WARRANTIES

ALL CONTENT, PRODUCTS, AND SERVICES ON THE SITE, OR OBTAINED FROM A WEBSITE TO WHICH THE SITE IS LINKED (A "LINKED SITE") ARE PROVIDED TO YOU "AS IS" WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY.

NNU DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR (A) THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE THROUGH THE SITE BY ANY PARTY OTHER THAN NNU, (B) ANY CONTENT PROVIDED ON LINKED SITES OR (C) THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE.

OTHER THAN AS REQUIRED UNDER APPLICABLE CONSUMER PROTECTION LAW, UNDER NO CIRCUMSTANCE WILL NNU BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A USER'S RELIANCE ON INFORMATION OBTAINED THROUGH THE SITE OR A LINKED SITE, OR USER'S RELIANCE ON ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE SITE, OR OBTAINED FROM A LINKED SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC OPINION, ADVICE, PRODUCT, SERVICE, OR OTHER CONTENT.

LIMITATION OF LIABILITY FOR USE OF THE SITE AND LINKED SITES

THE INFORMATION, SOFTWARE, PRODUCTS AND DESCRIPTIONS OF SERVICES PUBLISHED ON THE SITE OR A LINKED SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND NNU SPECIFICALLY DISCLAIMS ANY LIABILITY FOR SUCH INACCURACIES OR ERRORS. NNU DOES NOT WARRANT OR REPRESENT THAT THE CONTENT ON THE SITE IS COMPLETE OR UP-TO-DATE. NNU IS UNDER NO OBLIGATION TO UPDATE ANY CONTENT ON THE SITE. NNU MAY CHANGE THE CONTENT ON THE SITE AT ANY TIME WITHOUT NOTICE. NNU MAY MAKE IMPROVEMENTS OR CHANGES TO THE SITE AT ANY TIME.

YOU AGREE THAT NNU, ITS AFFILIATES AND ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS WILL NOT BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY INDIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SITE OR A LINKED SITE, OR WITH THE DELAY OR INABILITY TO USE THE SITE OR A LINKED SITE, EVEN IF NNU IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT A USER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (e.g., YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MAJEURE. NNU CANNOT AND DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE WEB SITE.

LIMITATION OF LIABILITY FOR SERVICES ARRANGED THROUGH THE SITE.

YOU AGREE THAT NATIONALNOTE.COM IS A MERE AGENT FOR THE PROVIDERS OF SERVICES AVAILABLE THROUGH THE SITE, INCLUDING BUT NOT LIMITED TO REAL ESTATE NOTE BROKERAGE SERVICES. ANY AND ALL CLAIMS REGARDING ANY FAILURE OR BREACH WITH RESPECT TO THE SERVICES OFFERED THROUGH THE SITE ARE LIMITED TO CLAIMS AGAINST ANY AND ALL SERVICE PROVIDERS. NATIONALNOTE.COM AND NNU HEREBY DISCLAIMS ANY LIABILITY, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, INCLUDING WITHOUT LIMITATION LIABILITY FOR ANY DIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OUR INDIRECT DAMAGES, IN CONNECTION WITH THE GOODS OR SERVICES PROVIDED BY ANY CARRIER OR OTHER SUPPLIER THROUGH THE SITE, INCLUDING WITHOUT LIMITATION LIABILITY FOR ANY ACT, ERROR, OMISSION, INJURY, LOSS, ACCIDENT, DELAY OR IRREGULARITY WHICH MAY BE INCURRED THROUGH THE FAULT, NEGLIGENT OR OTHERWISE, OF SUCH CARRIER OR SUPPLIER AND YOU HEREBY EXONERATE NNU FROM ANY LIABILITY WITH RESPECT TO THE SAME.

CONFIDENTIALITY OF USER COMMUNICATIONS

Except as required by law and in accordance with the NNU Privacy Statement, NNU will maintain the confidentiality of all user communications which contain personal user information and which are transmitted directly to NNU. Postings by a user on any message board or in any chat room will not be protected as confidential and NNU may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any of its parent company, subsidiaries and affiliates for any purpose whatsoever and as deemed appropriate by NNU.

User should be aware that Linked Sites may contain confidentiality provisions that differ from the provisions provided herein. NNU is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

LINKED INTERNET SITES

NNU prohibits caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site. NNU reserves the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the Content available on any other Internet sites linked to the Site. Access to any other Internet sites linked to the Site is at the user's own risk.

User should be aware that Linked Sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions provided on the Site. NNU is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

NO INVESTMENT ADVICE OR OFFERS

Nothing in the Site constitutes investment advice. NNU provides client relations materials for convenience and information only. In addition, client relations materials and other Web Site content are not offers to sell or solicitation of an offer to buy any security.

FORWARD LOOKING INFORMATION

Certain information on this Site contains certain forward-looking statements, which are subject to risks and uncertainties and speak only as of the date on which they are made. The words "believe", "expect", "anticipate", "optimistic", "intend", "aim", "will" or similar expressions are intended to identify forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date on which they are made. NNU undertakes no obligation to update publicly or revise any forward-looking statements.

PRESS RELEASES

All press releases and other materials presented or released to the financial community that are contained on the Site were, to the best of NNU's knowledge, timely and accurate when issued. However, the passage of time can render information stale, and you should not rely on the continued accuracy of any such material beyond the date of issuance. NNU has no responsibility to update any information contained in any such material. All viewers should carefully check the dates of issuance of the material contained in the Site.

POSTINGS

[For use in connection with message boards or chat rooms on the Site.] NNU is under no obligation to review any messages, information or content ("Postings") posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, NNU may from time to time monitor the Postings on the Site and may decline to accept and/or remove any Postings that contain:

Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law.

Advertisements or solicitations of any kind. [Note - This is not applicable for those Sites with message boards containing classified advertisements.] Messages posted by users impersonating others. Personal information such as messages which state phone numbers, social security numbers, account numbers, addresses, or employer references. Messages by non-spokesperson employees of NNU purporting to speak on behalf of NNU or containing confidential information or expressing opinions concerning NNU. Messages that offer unauthorized downloads of any copyrighted or private information. Multiple messages placed within individual folders by the same user restating the same point. Chain letters of any kind.

TRANSMISSION OF PERSONAL DATA

[For use in connection with Sites through which proprietary Borrower and/or Client account data may be transmitted.] User acknowledges and agrees that by providing NNU with any personal or proprietary user information through the Site, user consents to the transmission of such personal or proprietary user information over international borders as necessary for processing in accordance with NNU standard business practices.

User should be aware that Linked Sites may contain transmission of personal data provisions that differ from the provisions provided herein. NNU is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

CHANGES TO RULES AND REGULATIONS

NNU reserves the right to revise these Rules and Regulations at any time and users are deemed to be apprised of and bound by any changes to these Rules and Regulations.

VIOLATIONS OF RULES AND REGULATIONS

NNU reserves the right to seek all remedies available at law and in equity for violations of these Rules and Regulations, including the right to block access from a particular Internet address to the Site.

ACCESS TO PASSWORD PROTECTED/SECURE AREAS

Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

USE OF "COOKIE" FILE FEATURES

NNU reserves the right to store information on a user's computer in the form of a "cookie" or similar file for purposes of modifying the Site to reflect users' preferences. The NNU Internet Privacy Statement provides additional information regarding NNU' use of cookies as well as procedures for disabling cookies.

DIGITAL MILLENNIUM COPYRIGHT ACT - NOTIFICATION TO NNU REGARDING ALLEGED COPYRIGHT INFRINGEMENT

NNU operates in accordance with the terms of the Digital Millennium Copyright Act (the "Act") and avails itself of the protections under the Act. NNU reserves the right to remove any Content on the Site which allegedly infringes another person's copyright. Notices to NNU regarding any alleged copyright infringement on the Site should be directed to NNU's webmaster at webmaster@nationalnote.com.

JURISDICTION/GOVERNING LAW

[For United States based sites only]
Users of this Site agree to submit to the laws of the State of Utah, USA and applicable federal law without regard to conflicts of laws principles.

We are Concerned for Your Privacy.

National Note honors it's clients' requests to keep information private, and uses the latest technology to preserve and protect personal information.

Privacy is an important issue. Please read this Policy to learn how National Note collects and uses information about you.

How do we protect information?

We have standards and procedures to prevent unauthorized access to information. We apply these standards and procedures to our facilities and online services. Our safeguards meet or exceed federal standards [what are the federal standards? If you don’t know, just leave this sentence out] for guarding customer information.

We train our employees on the importance of confidentiality and the proper way to handle information. Only those employees with a business reason to access information are authorized to do so. If employees do not follow our standards and procedures, we take appropriate disciplinary action.

What are your options?

You can tell us not to share certain information with third parties outside National Note of Utah (NNU). This is called “opting out” of information sharing. You also may tell us not to solicit you.

How do you exercise your options?

The “YOUR OPTIONS” section at the end of this Policy explains how to opt out of information sharing and limit promotional offers.

What if you already told NNU your preferences?

You do not need to do anything, your opt out and solicitation decisions stay in effect until you choose to change them.

NNU is committed to protecting your privacy. We provide this Policy as required by law to explain our information practices. It applies to all companies within the NNU family of companies listed at the end of this Policy.

This Policy applies to individuals who ask about and/or obtain products or services from NNU for personal, family and household purposes. This Policy explains how we collect, use, and secure information, and your right to limit the information we share. If we materially change our information practices in the future, we will notify you of the change by posting the updated information on our website at www.nationalnote.com.

This Policy supersedes all previous notices or statements about practices described in this Policy.

COLLECTING INFORMATION

NNU collects information to:

Accurately identify you;

Provide you with products and services;

Protect and administer your records, accounts and funds;

Design products and services;

Understand your financial needs;

Save you time in applying for new products and services; and

Comply with certain laws and regulations.

NNU collects information from:

Applications and other forms you give us (e.g., name, address, social security number, assets, income and investment objectives);

The NNU family of companies on transactions you've conducted (e.g., account balance, payment history, parties to transaction and debit card usage [does NNU issue debit cards?]);

Third parties outside NNU on transactions you've conducted (e.g., account balance, payment history, parties to transaction and credit card usage [does NNU issue debit cards?]);

Outside sources such as brokers, dealers or schools that help us develop products and services (e.g., application information and transaction information);

Credit reporting agencies and market research companies (e.g., creditworthiness, credit history and demographic information); and

Public sources, such as federal, state or local records (e.g., mortgage and lien information).



SHARING INFORMATION

Depending on the relationship you have with NNU, we may share information within the NNU family of companies, as well as with third parties outside NNU. Except as limited by the opt out provisions described below, NNU reserves the right to share all information we collect as this Policy describes.

Sharing within the NNU family (Internal Sharing)

The NNU family engages in many businesses (e.g., retail mortgage lending, wholesale mortgage funding, real estate note and portfolio purchasing, real estate management, and commercial lending). We share information internally between these businesses to prevent fraud, enhance services, and tailor products and services.

Sharing with outside companies (External Sharing)

We may share information with selected third parties outside NNU. These third parties include:
financial service providers, such as mortgage bankers/brokers, insurance agents/companies, securities broker/dealers, indirect loan originators, correspondent lenders, transaction processors; non-financial companies, such as retailers; and others, such as nonprofit organizations.

We may share information with marketing partners that include other financial institutions whose products or services we may jointly market under joint marketing agreements from time to time and with third parties outside NNU who help us market NNU products and services.

If we share information with third parties, we require them to treat the information in strict confidence and to use it only for the purpose for which it was shared.

OPT OUT EXCEPTIONS

It is important to understand, if you opt out of information sharing, the law still permits NNU to share certain information about you:

With NNU companies and third parties outside NNU - We may share information as permitted by law, such as:

With companies that perform services for us, such as loan servicing, mail house services, printing and account statements, data analysis, account aggregation, email services;

To complete transactions you initiate;

To service or process your account or enforce your agreement with us;

To protect the rights, property or safety of NNU, our customers or others (such as to protect against fraud and to reduce credit risk);

To comply with a legal requirement or process;

To comply with your request or authorization to share information; and

To furnish information to consumer reporting agencies.

With other NNU companies - We may share information that identifies you and information on our transactions and experiences with you.

With our marketing partners - We may share information with our marketing partners, as described above, to help us market NNU's products and services to you and, from time to time, to jointly market financial institutions' products and services.

Former customers

If you end your relationship with NNU, we will still apply the practices in our policy to information we maintain on you. Your opt out and solicitation decisions stay in effect.

ONLINE INFORMATION PRACTICES

NNU may use technology that encrypts, or scrambles, online information so it transfers privately between you and NNU's network. Your unique log-in ID and password can help protect your information online.

NNU joins with certain third parties to deliver online products and services. If you ask for information through NationalNote.com, NNU and these outside parties may keep some information you provide so we can deliver these services.

We may keep information from online tools and calculators, online applications and forms, online service subscriptions, or business conducted online through Internet or wireless devices.

Email: If you send us email, we may keep the content of your email. Please be careful about the information you email to us, because email to any public website can sometimes be intercepted. If you agree to receive email from NNU, we keep the information you give us and may use it to send you email messages that specifically interest you.

Cookies: A "cookie" tells us our site was visited and which pages were viewed. Cookies are also used for security purposes when you conduct business online. They are common on Websites and do not harm your computer. NNU may use temporary cookies that do NOT transmit any personal information about you. These are deleted from your computer when you close the browser.

Information from children online: NNU does not market online products and services to children. We take steps to block children from sending us information online.

ADDITIONAL RIGHTS

You may have other privacy protections under state laws. Our information practices comply with these laws.

Changes to this Policy

NNU may occasionally update this privacy policy. If we do, and the changes are deemed material we will notify consumers by prominently placing a notice on our website. For a current policy, you can call our toll-free line at 1-800-718-NOTE. This policy supersedes all previous notices or statements about practices described in this Policy.

YOUR OPTIONS

Information Sharing

If you prefer that NNU not share information about you, you may restrict us from sharing information by opting out. The types of information that we may share, and the categories of companies with which we may share it, are discussed in this Policy. Even if you opt out, we may still continue to share information as explained in the "Opt Out Exceptions" section.

If you wish to opt out, your election can apply to either external information sharing or internal information sharing, or both.

External Sharing - information sharing with third party companies that are not part of the NNU family of companies.

Internal Sharing - information sharing within the NNU family of companies. If you limit the information NNU may share within its corporate family, it may restrict our ability to provide you with the best and most comprehensive products and services.

If you choose to opt out, your election will apply to all products and services you obtain within the NNU family of companies. If you have a product or service jointly with another person(s), each of you may opt out individually or you may opt out for each other. If you opt out, we still may share information about a joint party or joint parties unless you or someone else authorized to do so have opted out for that party.

Solicitation Preferences

If you prefer not to receive promotional offers from NNU, you may record your preferences with us. However, if you have an established relationship with NNU, you may still be contacted by us, for account related notifications, service and/or support activities.

Recording Your Options

To record or update your information sharing and solicitation preferences with NNU, or for more information, please call us at 1-800-718-NOTE.

This policy applies to the following National Note of Utah family of companies:
National Note of Utah, LC; National Note of Southern California and other National Note franchisees, National Note Corp.; Homeland Holding Corp.; Homeland Funding Corp.; Homeland Mortgage, Inc.; Homeland Development I, LLC; Homeland Development II, LLC; Expressway Business Park, LLC; Southern Highlands, LLC; The Property Company; Land Utah LLC; Twin Pines LC; Y2 Marketing and its affiliated agents.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING ACCOUNTS AT NNU

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each customer who opens an account. Therefore, all new and existing customers are subject to the identity verification requirements.

When a customer opens an account with any entity within the NNU family of companies, we will ask for the customer’s name, address and identification number, and, in the case of an individual, his or her date of birth. For business accounts, we may also obtain this information for individuals associated with the business. We may also request to see a driver’s license or other identifying documents. In all cases, NNU is committed to protecting the privacy and identity of each of its customers.

IMPORTANT SUPPLEMENTAL INFORMATION FOR VERMONT RESIDENTS

This Supplemental Information modifies and supercedes certain provisions of NNU's Privacy Policy for Vermont residents. Except as modified below, the provisions of NNU's Privacy Policy apply to Vermont residents.

For Vermont residents, the "opt out" procedures to limit information sharing described in NNU's Privacy Policy do not apply. Instead, unless you "opt in" to information sharing, we will not disclose information about you to nonaffiliated third parties or to other NNU companies, except as described below under "Permitted Information Sharing Regardless of Opt In."

Permitted Information Sharing Regardless of Opt In

It is important to understand that even if you do not opt in to information sharing, NNU is still permitted by law to disclose information about you in the following circumstances:

To other NNU companies. We may disclose to other companies in the NNU family identification information and information on our own transactions and experiences with you.

To our nonaffiliated marketing partners.

We may disclose information about you to nonaffiliated third parties that help us to market our own products and services, as well as to other financial institutions with whom we jointly market their products or services. However, the information we may share about you with other financial institutions to jointly market products will be limited to your contact information (such as name, address and phone number) and information about your transactions and experiences with the NNU family of companies.

With others, as permitted by law.

We may also disclose information about you to other NNU companies and to nonaffiliated third parties when it is permitted by law. For example, we may provide information to affiliated or nonaffiliated third parties that perform services on our behalf, such as loan servicing, data analytics, account aggregation services, e-mail services, mail house services, printing and account statementing; to complete transactions you have initiated; to service, process or enforce your account or agreement with us; to protect the rights, property or safety of NNU, our customers or others (such as for fraud protection and credit risk reduction); to comply with a legal requirement or process; to comply with your request or authorization to disclose; or to consumer reporting agencies.

Opt In to Additional Information Sharing

If you wish to opt in to authorize sharing of information in addition to the permitted sharing described above, your opt in authorization can apply to either external information sharing or internal information sharing, or both. External and internal information sharing are described below.

External Sharing - Nonaffiliated third parties. You may elect to opt in to information sharing with nonaffiliated third parties (companies that are not part of the NNU family of companies), in addition to those nonaffiliated third parties with which we are otherwise permitted by law to share information, as described above. These additional nonaffiliated third parties may offer you other financial or nonfinancial products and services that could benefit you.

Internal Sharing - NNU family of companies. You may elect to opt in to the sharing of all information we have concerning you among the NNU family of companies not limited to the information with which we are otherwise permitted by law to share with our affiliates, as described above. Sharing full information among NNU's family of companies increases your access to our products and services, allows us to match our products and services to your specific needs, as well as simplifies transaction flows.

Your election(s) to opt in will apply to all products and services you obtain within the NNU family of companies for personal, family or household purposes.

Joint Accounts

If you have a product or service jointly with another person(s), we will not disclose information about the joint account pursuant to an opt in authorization, except as otherwise permitted by law, unless all joint accountholders have opted in.

Health or Medical Information

Regardless of whether you have opted in, we will not share any personal health or medical information we may have without your written consent or otherwise as permitted by law. Health or medical information may include insurance application information, other health information you may provide in connection with one or more existing accounts, or information provided to us with regard to an insurance claim.

For More Information, to Opt In or to Revoke a Previous Opt In

If you would like more information about your options, or wish to opt in to information sharing, please call us at 1-800-718-NOTE to request a pre-printed opt in form be mailed to you. If you opt in to information sharing and later wish to revoke that election, you may do so at any time by calling to change your preference.

Please note: The automatic opt out of information sharing we record on your behalf to comply with Vermont state law will continue for as long as our records indicate you are a Vermont resident. If our records show you no longer reside in Vermont, your information sharing status will revert back to the sharing preference you directly elected with NNU. For example, if at any time you had called NNU to opt out of information sharing, that preference will then be effective once the automatic opt out is removed. However, if you have not directly recorded an opt out preference with NNU, and you want to continue to restrict information sharing after moving outside Vermont, you must do so by calling our Privacy Line.

Please retain a copy of this Supplemental Information, together with the NNU Privacy Policy, for your records. This Supplemental Information may be amended from time to time. You will be notified in writing of any changes.

We Take the Security of Your Information Seriously.

National Note honors it's clients' requests to keep information private, and uses the latest technology to preserve and protect personal information at all times.

We take great care and use the latest technologies to ensure the security and safety of all your information at National Note.

To prevent unauthorized access or disclosure and maintain data integrity, we have put in place safeguards to secure any information we collect online. Our servers use encryption technology to protect the transfer of your data to unauthorized parties.

We use industry-recognized standards in transaction security to protect the information you provide when using NationalNote.com.

NOTHING ON THIS WEBSITE SHOULD BE CONSTRUED TO BE AN OFFER TO SELL, OR A SOLICITATION OF AN OFFER TO BUY SECURITIES.

National Note buys and sells collateralized loans (such as mortgages and/or notes secured by trust deeds).

Private offerings may be made from time to time under Regulation D by Private Placement Memorandum (PPM) to accredited investors only. For more information, contact National Note to inquire as to whether any offering is currently available and to discuss your qualifications.