VERTICAL LENDING proudly originates the following mortgages:

• Conventional (Fannie Mae / Freddie Mac)
• FHA/VA/USDA(rural housing)
• Homepath
• Jumbo Loans
• Reverse Mortgages
• Private or Hard Money

VERTICAL LENDING offers bona fide home loan solutions for real challenges.

• I have little to no money for down payment.
• The loan amount is too low or too high.
• The home I want buy is a foreclosure.
• Repairs are needed to make the home livable
• I need a construction or lot loan.
• I am not a US citizen.
• I am over 62 years old.
• I have challenged or no credit.

VERTICAL LENDING proudly originates the following mortgages:

• Conventional (Fannie Mae / Freddie Mac)
• The loan amount is too low or too high.
• Jumbo Loans
• Reverse Mortgages
• Private or Hard Money
• I am not a US citizen.
• I am over 62 years old.
• I have challenged or no credit.

Vertical Lending offers bona fide home loan solutions for real challenges.

VERTICAL LENDING proudly originates the following Reverse mortgages:

• Home Equity Conversion Mortgages (HECMs)
• HECM Standard
• HECM SAVER
• Single-Purpose Reverse Mortgage
• Proprietary Reverse Mortgage

VERTICAL LENDING offers bona fide home loan solutions for real challenges.

• I am over 62 years old.
• I have challenged or no credit.
• I have medical issues and I can not work.
• I am struggle to pay my mortgage, but I have equity in my home.
• Repairs are needed to make my home livable.

VERTICAL LENDING proudly originates the following types of commercial loans:

Purchase/Acquisition Development Construction

Subdivision Refinance Subordinate/Equity/Cash-Out

Single Use Flex Space Church

VERTICAL LENDING accepts the following commercial property types:

Hotel Motel Restaurants Gas Station

Manufactured Housing Park (Mobile Home Park) Bare Land/Raw Land Mixed Use

Short Sale/ Short Payoff

Apartment Complex Apartment Complex Low Income Apartments Student Apartments Senior Apartments Condominiums (Condos)

Free Standing Retail Single Tenant Office Building Hi-Rise Tower Office Building Mid-Rise Office Building Office Over Retail Building Residential Over Retail

Manufacturing Facilities Heavy Manufacturing Light Manufacturing Warehouse Distribution Multi-Tenant Industrial

Strip Center Shopping Mall Outlet Mall Strip Mall

Storage Unit Complex Self Storage Mini Storage

Vertical Lending offers bona fide commercial loan solutions for real challenges. I have limited down payment for my commercial property purchase. I reported a loss on my taxes, in turn I was denied commercial financing. I have challenged or no credit. I am struggling to pay my mortgage, but I have equity in my property. Repairs are needed to make my property usable. I have unpaid property taxes that must be cured.

How We Protect You Online Security Privacy Notice Social Security Number Policy

How To Report Fraud Report Fraud Fraud Information

Online Practices Visiting Our Website How We Collect Information Online E-mail Communications Links to Third Party Sites

Resources OnlineOnGuard.gov Tips from the federal government to help you protect your personal information. FTC.gov Information from the Federal Trade Commission to help you avoid identity theft and learn what to do if your identity is stolen. FDIC.gov Tips from the FDIC about how to protect yourself from identity theft and fraud.

We may track activity and transactions on an individually identifiable basis if you apply for or use a Vertical product or service online. We may use identification information we collect in order to protect against actual or potential fraud. In order to constantly improve our web site and better serve our customers online, Vertical may use various tracking methods (such as cookies and other technologies, etc.) to gather information about site visitors' browsing activities.

Vertical, in the normal course of business and as required by law, collects Social Security numbers in establishing, maintaining and servicing customer accounts. It is Vertical's policy to implement reasonable measures to protect the confidentiality of Social Security numbers, to prohibit unlawful disclosure of Social Security numbers, and to limit access to Social Security numbers.

How To Report Fraud I think I'm a victim of fraud. If you're worried that you might have inadvertently compromised your Vertical account: It's important you speak with us immediately. The sooner we know what's happened, the sooner we can begin helping you. Please call us now. This includes: Credit or Debit Card # PII (Personal Identifiable Information) – such as Social Security or Tax ID # VerticalLending.net logon information – User ID's or passwords I've received a suspicious e-mail. If you think you've received a fraudulent e-mail, but you haven't acted on it: Please forward it to abuse@VerticalLending.net so we can investigate it for you. You'll receive an automated response to let you know we received the e-mail.

Report fraud by phone: Vertical lending - 863.299.0082 Report fraud by e-mail: We strongly encourage you to call us immediately if you think your Vertical account has been put in jeopardy. If, for some reason you prefer to contact us electronically, please forward the suspicious e-mail to accountatrisk@VerticalLending.net. Please include the account holder's name, zip code and phone number so we can easily identify you. You'll receive an automated response to let you know we got the e-mail.

We recognize how important it is to protect your identity from unlawful use, and shield your accounts from fraud and unauthorized access. With that in mind, we want you to know it is not our practice to ask for your Vertical Online User ID or password in e-mail.

Further, you can be assured that it's not our practice to:

• Send e-mail that requires you to enter personal information directly into the e-mail
• Send e-mail threatening to close your account if you do not take the immediate action of providing personal information
• Send e-mail asking you to reply by sending personal information
• Share your name with any contacts outside our firm in a manner inconsistent with our Privacy Policy

With those things in mind, please exercise caution when reading e-mail that may appear to have been sent by us. It's an unfortunate reality that criminals continue to devise ways to exploit technology in an effort to rip you off. One increasingly common scam is called "phishing" (pronounced "fishing"), where your personal information is the “catch of the day.”

There are hundreds of variations, but in general, phishing comes in one of these flavors:

• A warning of unauthorized access to your account
• A threat to suspend or deactivate your account
• Notification of a charge to your account for an item you clearly did not purchase (e.g. products from an adult site)
• Notification of fraudulent activity on your account
• An offer of a reward for completing a survey
• Informing you of a banking service you have been given free of charge
• Notification of changes to online banking due to the merger
• Notification of a software or security upgrade to our online services

Phishing e-mail usually takes an urgent or demanding tone, telling you to act immediately to verify or update personal information such as bank account numbers, user names/passwords, credit card account numbers - even your Social Security Number.

If you want to let us know about something you've received, please forward it to abuse@VerticalLending,net. You'll get an automated response to let you know we got the message.

If you've gotten such e-mail and you have questions, please forward it to us at emailquestion@VerticalLending.net. You'll get an automated response to let you know we got the message.

You can browse our site anonymously without identifying yourself during your visit. We will obtain information that personally identifies you when you specifically choose to provide it.

For example, during your visits to our web sites, you may request information, contact us, apply for Vertical products or services or conduct transactions online. You will then need to give us certain personal information just as you would if you were communicating with us in person, by mail or by telephone. Be assured that we maintain electronic security safeguards to help protect personal information about you that we obtain via the Internet.

By providing information about yourself and your preferences, you can enhance your online experience with us. And, we will be able to better service your requests and/or inquiries.

When you visit our site we may ask you to "sign-in," complete a survey, or answer simple questions. These may include questions such as where you live, your e-mail address and your interest in receiving e-mail from Vertical on new products and services. We collect this information so that we can determine what kinds of products and services are of most interest to you.

If you choose to send us an e-mail message, we may retain the content of the e-mail, your e-mail address, and our response in order to service your needs.

Whenever you provide to us or we otherwise obtain your e-mail address, we may use that e-mail address to send you messages related to your accounts or services or other products or services that may be available to you. You can unsubscribe from some of these e-mail messages by following the instructions provided in the e-mail message. See E-mail Opt Out below for more details.

Please note that some Chase services or online programs such as Chase Online, Chase Credit Card Alerts and the Chase Bill Management Center require a valid e-mail address in order to register and/or continue use of the service. You will receive e-mail alerts or notification messages from these programs unless you un-enroll from these services. To learn more about these services and how to update your preferences, log onto your Chase Online account.

Chase may provide access to information, products or services offered on websites that are owned or operated by other companies ("third party websites"). We provide this access through the use of hyperlinks that automatically move you from a Chase website to the third party site.

While we do our best to provide you with helpful, trustworthy resources, Chase cannot endorse, approve or guarantee information, products, services or recommendations provided at a third party website. Because we may not always know when information on a linked site changes, Chase is not responsible for the content or accuracy of any third party website. Chase shall not be responsible for any loss or damage of any sort resulting from the use of a link on its websites nor will it be liable for any failure of products or services advertised or provided on these linked sites.

Vertical offers you links on an "as is" basis. When you visit a third party website by using a link on a Chase site, you will no longer be protected by the Vertical privacy policy or security practices. The data collection, use and protection practices of the linked site may differ from the practices of Chase sites. You should familiarize yourself with the privacy policy and security practices of the linked website. Those are the policies and practices that will apply to your use of the linked website, NOT the Vertical policies and practices.

Here are some tips to help you tell if you have left a Vertical website:

• Instead of a Vertical address, the URL of the linked website appears in the location box (or address field) of your web browser.
• The linked website is shown in a new browser window. The appearance of the linked site, including its colors and graphic design, is significantly different from the Vertical site.
• The linked site or page does not appear in a new browser, but you find one or more of the following:
  • The phrase "A Vertical linked site" beneath the Vertical logo.
  • The logo of a different company appears in a prominent location on the linked website, along with the words "Powered by," "Brought to you by," or "Provided by."
  • The layout and content of the navigation tools on the left-hand side of the linked site or in the header at the top of the new website are different from Vertical navigation.
  • One of the navigation links refers to a description of the company that sponsors the website. It may be titled "About (Third Party's Name)."
  • A third party's privacy policy and terms of use statement are identified instead of Vertical's.
  • Information in the footer at the bottom of the website contains information about a company other than Vertical.

WHAT DOES VERTICAL LENDING DO WITH YOUR PERSONAL INFORMATION?

WHY?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and transaction history Credit history and payment history
HOW?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Chase chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Vertical Lending Share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.	Yes	No
For our marketing purposes – to offer our products and services to you.	Yes	No
For joint marketing with other financial companies.	Yes	No
For our affiliates' everyday business purposes – information about your transactions and experiences.	Yes	No
For our affiliates' everyday business purposes – information about your creditworthiness.	Yes	Yes
For our affiliates to market to you.	Yes	Yes
For non affiliates to market to you.	Yes	Yes

To limit our sharing	Call 1-863-299-0082 or Visit us online Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call 1-863-299-0082

WHO WE ARE

Who is providing this notice?

Vertical Lending Services, LLC

WHAT WE DO

How does Vertical Lending protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We authorize our employees to get your information only when they need it to do their work, and we require companies that work for us to protect your information.
How does Vertical Lending collect my personal information?	We collect your personal information, for example, when you: apply for a mortgage loan use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates' everyday business purposes – information about your creditworthiness affiliates from using your information to market to you sharing for non affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

DEFINITIONS

Affiliates	Companies related by common ownership or control. They can be financial and non financial companies.
Non affiliates	Companies not related by common ownership or control. They can be financial and non financial companies. Non affiliates we share with can include companies such as retailers, auto dealers, auto makers and membership clubs
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include categories of companies such as insurance companies