Sterling Mortgage & Investment Co. (a/k/a First Finance)
Express Mortgage Lenders of America, Inc.

NOTICE OF YOUR OPPORTUNITY TO OPT OUT OF INFORMATION SHARING
WITH COMPANIES IN OUR CORPORATE FAMILY

Information We Can Share With Our Corporate Family About You Unless You Tell Us Not To:

Unless you tell us not to, Sterling Mortgage & Investment Co. (a/k/a First Finance) and Express Mortgage Lenders of America, Inc. may share with companies in our corporate family about you including:

• Information we obtain from your application, such as your income;
• Information we obtain from a consumer report, such as your credit score or credit history;
• Information we obtain to verify representations you made, such as your open lines of credit; and
• Information we obtain from a person regarding his or her employment, credit or other relationship with you, such as your employment history.

Shared With Whom:

• Companies in our corporate family who may receive this information are:
• Financial service providers, such as mortgage; and
• Non-financial companies, such as retailers, direct marketers, airlines and publishers.