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Privacy Policy and Disclaimers

Protection of the Privacy of Personal Non-Public Information

Respecting and protecting customer privacy is vital to Supreme Lending's business. By explaining our Privacy Policy, we hope to help you better understand how we keep customer information private and secure while using it to serve you.

Keeping customer information secure is a top priority. This notice explains how we collect, use, disclose, and protect personal information, as well as how you may limit certain disclosures. Unless otherwise stated, the provisions of this notice apply to both current and former customers.

Consumer Rights

Loan product availability is subject to loan amount and borrower qualification. Not every applicant qualifies for or is eligible for every loan program, and some products may not be available in all states. Loan approval and rates depend on factors including borrower credit, collateral, and financial history. All loan programs, terms, and rates are subject to change without notice.

Information Collected

As part of providing financial products or services, we may obtain information about you from the following sources:

• Applications, forms, and other information you provide to us, whether in writing, in person, by telephone, electronically, through artificial intelligence (AI) chatbot technology, or by other means. This information may include your name, address, employment information, income, and credit references.
• Transactions with us, our affiliates, or others. This information may include account balances, payment history, and account usage.
• Consumer reporting agencies. This information may include account information and information about your creditworthiness.
• Public sources. This information may include real estate records, employment records, telephone numbers, and similar information.

Shared Information

We may disclose information about you as permitted or required by law. This may include providing information to third parties without your consent in circumstances such as:

• To regulatory authorities and law enforcement officials.
• To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability.
• To report account activity to credit bureaus.
• To consumer reporting agencies.
• To respond to a subpoena, court order, judicial process, or regulatory authority.
• In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or operating unit.

We may also provide information about you to service providers that help us process applications or service accounts. These service providers may include billing providers, mail and telephone service companies, lenders, investors, title and escrow companies, appraisal companies, and similar organizations.

We may provide information to service providers that perform marketing services on our behalf. Information shared with these providers may include categories described under "Information Collected," limited to information we determine is appropriate for them to perform their functions.

We do not provide non-public information about you to companies marketing their own products or services unless you authorize us to do so. Those companies may not use the information beyond the scope of your specific authorization.

Without express consent, Supreme Lending does not share SMS opt-in consent with third-party organizations.

Website Disclaimer

The information contained on this website is provided as a service to the internet community and does not constitute legal or financial advice. Supreme Lending makes reasonable efforts to provide quality information but does not guarantee the accuracy, completeness, timeliness, or adequacy of information contained on or linked from this website.

Rules, regulations, loan programs, company policies, and interest rates may change. Information provided on this website should be considered in light of the specific circumstances of each individual situation and should not be used as a substitute for advice from qualified legal, financial, or other professional advisors.

Website materials are provided "as is" without warranties of any kind, either express or implied. To the fullest extent permitted by law, Supreme Lending and its associates are not responsible for errors or omissions or for special, indirect, incidental, or consequential damages arising from the use of these materials. Information on this website is subject to change without notice and does not constitute a commitment by Supreme Lending or its associates.

For California Residents: California Consumer Privacy Act Policy and Disclosure Notice

Your privacy is important to us. This California Consumer Privacy Act Policy and Disclosure Notice ("Disclosure Notice") explains how Everett Financial, Inc. dba Supreme Lending ("Supreme Lending" or the "Company") collects, uses, and discloses personal information relating to California residents covered by the California Consumer Privacy Act of 2018 ("CCPA").

This Disclosure Notice is provided pursuant to the CCPA and supplements the information contained in Supreme Lending's General Privacy Notice.

The purpose of this Disclosure Notice is to inform California residents, at or before the time we collect personal information, about how we use or disclose that information.

Under the CCPA, "Personal Information" means information that identifies, relates to, or could reasonably be linked, directly or indirectly, with a particular California resident.

This Disclosure Notice does not apply to information we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes. For more information about how we collect, disclose, and secure information relating to these customers, please refer to Supreme Lending's General Privacy Notice.

Personal Information also does not include:

• Publicly available information from government records.
• Deidentified or aggregated consumer information.
• Information excluded from the scope of the CCPA, including:
  • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA).
  • Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), California Financial Information Privacy Act (CalFIPA), and Driver's Privacy Protection Act of 1994.

Keeping Personal Information secure is one of our most important priorities. Consistent with our obligations under applicable laws and regulations, we maintain physical, technical, electronic, procedural, and organizational safeguards designed to protect personal data against accidental, unlawful, or unauthorized destruction, loss, alteration, disclosure, or access, whether processed by us or elsewhere.

Collection and Disclosure of Personal Information

In the past 12 months, we have collected and disclosed to third parties for business purposes the following categories of Personal Information relating to California residents covered by this Disclosure Notice:

• Identifiers, such as name, postal address, email address, account name, and government-issued identifiers, including Social Security number, passport number, and driver's license number.
• Personal information as defined in the California Customer Records statute, such as contact information, education, employment, insurance policy number, credit or debit card number, and other financial information.
• Characteristics of protected classifications under California or federal law, such as age, race, citizenship, medical condition, military status, sex, and marital status.
• Commercial information, such as records of personal property, transaction information, and purchase history.
• Internet or network activity information, such as browsing history and interactions with our website.
• Biometric information, such as fingerprints and voice information.
• Geolocation data, such as device location and Internet Protocol (IP) location.
• Audio, electronic, visual, and similar information, such as call and video recordings.
• Professional or employment-related information, such as work history and prior employers.
• Education information, such as student records and directory information.
• Inferences drawn from Personal Information listed above to create a profile regarding an individual's preferences, characteristics, or similar attributes.

Sources of Personal Information

The categories of sources from which we may collect Personal Information include:

• California residents or their authorized representatives.
• Service providers, consumer credit reporting agencies, consumer data resellers, and other third parties.
• Public record sources, including federal, state, and local government sources.
• Our affiliates.
• Website, mobile application, and social media activity.
• Client-directed third parties or institutions representing a client or prospect.
• Corporate clients providing information about individuals associated with those clients, such as employees or board members.

Third Parties to Whom We Disclose Personal Information

The categories of third parties to whom we may disclose Personal Information for the business purposes described in this Disclosure Notice include:

• Affiliates and subsidiaries of Supreme Lending.
• Vendors and service providers that provide services such as website hosting, data analysis, payment processing, order fulfillment, information technology and related infrastructure, customer service, email delivery, auditing, marketing, and marketing research.
• Partners and third parties that provide services such as payment, banking and communications infrastructure, storage, legal services, tax services, notary services, and auditing, or that promote the Company's financial services and products to customers and prospective customers.
• Other third parties that enable customers to conduct transactions online or through mobile devices, support mortgage and fulfillment services, vehicle loan processes, or provide aggregation services at the direction of the customer.
• Government agencies as required by applicable laws and regulations.

Use of Personal Information

In the past 12 months, we have used Personal Information relating to California residents to operate, manage, and maintain our business, provide products and services, and accomplish business purposes and objectives, including:

• Performing services, including maintaining or servicing accounts, providing customer service, verifying customer information, processing payments, providing financing, and providing similar services.
• Detecting security incidents and protecting against malicious, deceptive, fraudulent, or illegal activity.
• Conducting short-term, transient uses where information is not disclosed to a third party and is not used to build a profile or otherwise alter an individual consumer's experience outside the current interaction, including contextual customization of advertisements shown as part of the same interaction.
• Verifying or maintaining the quality or safety of services we control and improving, upgrading, or enhancing those services.
• Debugging to identify and repair errors that impair intended functionality.
• Conducting internal research for technological development and demonstration.
• Complying with laws, regulations, legal processes, and law enforcement requirements, including internal policies based on or reflecting legal or regulatory guidance, codes, or opinions.

Sale of Personal Information

In the past 12 months, we have not "sold" Personal Information subject to the CCPA, including Personal Information relating to minors under the age of 16.

For purposes of this Disclosure Notice, "sold" means the disclosure of Personal Information to a third party for monetary or other valuable consideration.

Rights Under the CCPA

If you are a California resident, you have the right to:

a. Request that we disclose, free of charge, certain information covering the 12 months preceding your request, including:

The categories of Personal Information about you that we collected.

1. The categories of sources from which the Personal Information was collected.
2. The purposes for collecting Personal Information about you.
3. The categories of third parties to whom we disclosed Personal Information about you, the categories of Personal Information disclosed, if applicable, and the purposes for those disclosures.
4. The specific pieces of Personal Information we collected about you.

b. Request that we delete Personal Information collected from you, subject to exceptions recognized by the CCPA.

c. Be free from unlawful discrimination for exercising your rights under the CCPA.

We will acknowledge receipt of your request and advise you of the anticipated response timeframe if we are able to verify your identity. Requests for specific pieces of Personal Information may require additional information to verify your identity.

If you submit a request on behalf of another person, we may require proof of your authorization and may verify the identity of the person for whom the request is being submitted.

In some circumstances, we may not be able to honor a request. For example, we may deny a request if we cannot verify your identity, cannot verify your authority to act on behalf of another individual, or if an applicable legal exception applies.

Exceptions may include retaining Personal Information necessary to originate or service your loan, comply with state or federal law, protect the rights and freedoms of another consumer, or address information that is not subject to CCPA access or deletion rights.

If we are unable to honor your request, we will explain that determination in our response.

We will not provide Social Security numbers, driver's license numbers, government-issued identification numbers, financial account numbers, healthcare or medical identification numbers, account passwords, security questions and answers, or specific information when disclosure could create a risk of unauthorized access, identity theft, fraud, or unreasonable risk to data, systems, or network security.

We will work to process verified requests within 45 days pursuant to the CCPA. If an additional extension of up to 45 days is needed, we will provide an explanation for the delay.

How to Exercise Your Rights

If you are a California resident, you may submit a request by:

a. Online

Complete the Personal Information Request.

For the best user experience, please use a supported modern browser such as Microsoft Edge, Chrome, or Firefox.

b. By Phone

Call 866.213.4424.

Questions or Concerns

You may contact us with questions or concerns about this Disclosure Notice and our privacy practices by:

a. Mail

Everett Financial, Inc. dba Supreme Lending
ATTN: Privacy Office
14801 Quorum Drive
Suite 300
Dallas, Texas 75254

b. Phone

Call 866.213.4424.

Changes to This California Consumer Privacy Act Policy and Disclosure Notice

We may change or update this Disclosure Notice from time to time. When we do, we will post the revised Disclosure Notice on this page with a new "Last Updated" date.

Your continued use of our website following the posting of changes constitutes your acceptance of those changes.

Date Last Updated: June 26, 2025