Privacy Policy PRIVACY NOTICE TO MICHIGAN RURAL REHABILITATION CORPORATION BORROWERS Important Information Regarding the Gramm-Leach-Bliley Act The purpose of Title V of the Gramm-Leach-Bliley Act is to ensure financial institution’s respect of their customers and protect the security and confidentiality of their customer’s non-public personal information. The final rules require that all financial institutions share their privacy policies with consumers only if they intend to provide the consumers non-public personal information to non-affiliated third parties.  Financial institutions must provide their customers with a process for “opting out”, which means customers can say that they do not want the financial institution to share the customer’s “non-public information” with non-affiliated third parties.  The final rules became effective November 13, 2000. The exception to the “opt-out” final rules is as follows:  Customers at institutions utilizing third party servicers cannot opt out of information being shared with the servicer.  For student lending this means the borrower cannot choose to opt out of information being shared with any entity that must have the information in order to perform routine servicing of the loan.  For example:  schools, credit bureaus, the guarantor of the loan, NSLDS, etc. Michigan Rural Rehabilitation Corporation’s Privacy Policy Information is shared with schools, credit bureaus, guarantor of the loan, NSLDS, etc. as provided by law. Information is shared with cosigner/guarantor and/or co-borrower. Information is shared with specified person or persons listed on a separate Information Release signed by the borrower and/or cosigner/guarantor. Information is shared with a debt collector contracted to service accounts on behalf of MRRC. INFORMATION IS NOT SHARED WITH ANY THIRD PARTY NON-FINANCIAL COMPANIES, SUCH AS RETAILERS, DIRECT MARKETERS, AIRLINES, PUBLISHERS; AND OTHERS SUCH AS GOVERNMENT AGENCIES AND NONPROFIT ORGANIZATIONS, EXCEPT AS REQUIRED BY LAW. If at any time in the future, the privacy policy of Michigan Rural Rehabilitation Corporation changes, each borrower will be given at least 30 days to opt out of any sharing of non-public personal information. PLEASE NOTE:  If you want a spouse, parent, or anyone other than the cosigner/guarantor to have access to your account information for any reason, you MUST sign and return an Information Release to Michigan Rural Rehabilitation Corporation. If you wish to change information on your signed Information Release, contact our office for the appropriate form. If you have any questions, please feel free to contact our office.

Copyright ? 2005 Michigan Rural Rehabilitation Corporation (MRRC). All Rights Reserved

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