Protecting Your Privacy

MFN's Privacy Pledge to Our Clientele:

1. Your privacy is a top priority.
2. The accounts and services you use are provided in a secure environment.
3. We collect information in order to service and administer your customer relationship.
4. Your customer information is shared only in limited ways and is carefully controlled.

1. Your privacy is a top priority.

We are committed to your privacy. We take great care to protect the security of your customer information and to control how it may be used. You may tell us at any time about your information sharing preferences. In addition, we will provide annual notification of our privacy policies and procedures to keep our customers informed about this issue

2. The accounts and services you use are provided in a secure environment.

We use sophisticated technology and security measures to protect your customer information. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard nonpublic personal information. Whether you conduct business with us at our offices or investment centers, or by mail, telephone, electronic transfers, or the Internet, you can be confident that our security measures are appropriate to each of these servicing channels.

We are careful to limit access to your nonpublic personal information. Our employees have limited access to customer information based on their responsibilities. This access enables them to assist you in completing transactions, offer you additional investment services, and resolve any customer service issues that may arise. In addition, nonaffiliated third parties may be given access to customer information under certain circumstances. For example, a third party who provides a specialized service on our behalf (such as a title company) may access only the information necessary to perform that service. Or, in cases when you authorize us to provide your customer information to others, we limit access only to the specified information, and only for the purpose you have authorized.

3. We collect information in order to service and administer your customer relationship.

In the course of serving or administering your customer relationship, we collect a variety of nonpublic personal information that is provided by you, which as well as other sources, and may include:

Information we receive from you, such as your name, address, Social Security number, assets, and income, as provided, for example, on a loan application or account opening form.

Information about your transactions with us, our affiliates, and others, such as balances, payment history, parties to transactions, and account usage.
Information we receive from affiliates, credit reporting agencies and other third parties not affiliated with us, such as your creditworthiness, credit history, and real estate appraisals.
Medical information submitted as part of an insurance application or claim, which is used only for the specific purposes authorized by you or by law.

The information we collect is based on the services we may provide to you. This information is used or shared as described in the section that follows.

4. Your customer information is shared only in limited ways and is carefully controlled.

We use or share customer information in a limited and carefully controlled manner. For example, the information we collect is used for purposes such as:

To identify you in order to protect against fraud and guard against unauthorized access to your accounts.

To enable us to complete your transactions quickly and efficiently, and to provide you with quality customer service.
To enable us to complete your transactions quickly and efficiently, and to provide you with quality customer service.
To help ensure that our information about you is current and accurate.

Examples of categories of customer information that we may share include:

Information we receive from you, such as your name, address, Social Security number, assets, and income, as provided, for example, on a loan application or account opening form.

Information about your transactions with us, our affiliates, and others, such as balances, payment history, parties to transactions, and account usage.
Information we receive from affiliates, credit reporting agencies and other third parties not affiliated with us, such as your creditworthiness, credit history, and real estate appraisals.

This customer information may be shared with authorized users, including both affiliates and nonaffiliated third parties, in order to provide you with the services and Investment choices that are most likely to be of value to you. These sharing policies and practices are described in this section.

With affiliates:

We may share customer information with affiliates as follows:

Our various administrative and service departments use customer information as part of their data processing requirements to prepare your account statements or service your accounts.

Our affiliates provide a wide range of services to meet your financial needs. We may share customer information so that they can tell you about services and products that may be of special interest or value to you.

Our affiliates include Investment service providers such banks, clearing firms, insurance agencies, and transfer agents, mortgage companies

With third parties not affiliated with us:

We may share the customer information we collect, as described earlier in this section, on a limited basis with certain nonaffiliated third parties. For example, we share information in order to process your transactions. We may also share this information with those who perform marketing services on our behalf, or financial institutions with whom we have joint marketing agreements that provide for the confidentiality and security of customer information. In addition, customer information may be shared with parties who provide products or services that we believe will be of value or interest to you. And we may share customer information with other nonaffiliated third parties as permitted by law.

The third parties with whom customer information may be shared include:

Companies that provide services necessary to effect a transaction that you request or to service your account — for example, a title company.

Companies or others that provide specialized services on our behalf, such as programming contractors, credit bureaus, or companies that help us market our services.
Financial service providers, such as insurance, mortgage, or credit card companies.
Non-financial companies, such as suppliers of software designed to increase the security of your home computer, or provide you with tax preparation or financial planning tools.
Government agencies, courts, parties to lawsuits, or regulators to whom we may provide information about you and your transactions. For example, federal and state laws give people involved in lawsuits or other legal proceedings the right to obtain records and customer information from us. In such cases, we share only the information that we are required or authorized to share.

If you need further asistance, please contact us at your convenience.