Veterans Affairs Loan (VA)

During the course of processing your loan inquiry, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. 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 that comply with federal regulations to guard your nonpublic personal information. We collect nonpublic information about you from the following sources: (i) information we receive from you on loan inquiries or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency. We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.

INFORMATION FOR CALIFORNIA RESIDENTS On January 1, 2020, the California Consumer Privacy Act (“CCPA”) takes effect. The CCPA grants new rights to California residents regarding their personal information, including: • The right to know what categories and specific pieces of personal information have been collected, used, shared or sold (if any); • The right to know the purposes for which the information is used; • The right to delete personal information, where not excepted by law; and • The right to opt-out of the sale of their personal information. This Privacy Policy describes what categories of information we collect, for what purposes we use it, and with whom we share it. If you would like to exercise your rights under the CCPA to request what specific pieces of personal information we have about you or for deletion of your information, you may contact us at ComplianceHL@angeloakhomeloans.com or as noted below and include, at a minimum, your first and last name and email so we may verify you and process your request. Angel Oak does not sell your information in the traditional sense of the word. However, under the CCPA’s definition of “sale,” we may “sell” your information to Angel Oak Conference Exhibitors and Sponsors, with your consent. You may opt out of that “sale” of your information at the time you register for the Conference or in your registration records. For more information, refer to the “How We Share Your Information” section above. Your privacy is important to us and we will not discriminate against you if you choose to exercise your privacy rights under the CCPA. The information in this section applies only to California residents who visit Angel Oak Websites, sign up for Angel Oak email alerts, establish an Angel Oak account that does not include financial products or services, or apply for a job on our Websites (though the CCPA does not extend privacy rights to job applicants). The information in this section does not apply to consumers who initiate or complete the process of applying for financial products or services. This is because the information is subject to the federal Gramm-Leach-Bliley Act (“GLBA”) and implementing regulations, or the California Financial Information Privacy Act (“FIPA”). PRIVACY POLICIES OF LINKED SITES Our Websites and Services may contain links to other websites. We are not responsible for the privacy practices or the content of such sites and third parties. If you have any questions about what information these other sites and third parties collect, how they use it, and with whom they share it, you should contact them directly. CHANGES TO OUR PRIVACY POLICY This Privacy Policy may be revised from time to time. If we update this Privacy Policy, we will update the “effective date” at the top of this policy. If we make a material update, we may provide you with notice, such as by posting a conspicuous notice on our Websites or in our Subscription Center, or by contacting you using the email address you provided. We encourage you to periodically review our Privacy Policy and any notices to stay informed.

YOUR USE OF THIS WEBSITE AND YOUR TRANSACTIONS CONDUCTED WITH THE COMPANY IN CONNECTION WITH THIS WEBSITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS, ALSO REFERRED TO AS "TERMS OF USE". CLICKING ONTO WEB PAGES BEYOND THE WEBSITE'S HOMEPAGE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT WITH THE TERMS OF USE WHETHER OR NOT YOU COMPLETE A TRANSACTION WITH THE COMPANY AND WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION ON THE WEBSITE OR THROUGH OTHER CHANNELS, SUCH AS BY PHONE, BY EMAIL, FACSIMILE OR OTHERWISE. IF YOU DO NOT AGREE TO THE TERMS OF USE, YOU MAY NOT USE THIS WEBSITE.