PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

If you do not agree with each of the terms of use specified herein, you are not granted permission to use the Site and must exit this Site immediately.

The following terms and conditions ("Terms of Use" or "Agreement"), in addition to Site rules which may be provided on this Site, govern your use of this Web Site. By accessing, viewing, or using any material or content on the Site, you agree that you understand and intend these Terms of Use to be the legal equivalent of a signed, written legal contract between you and the sponsor of this Site, AS DEFINED HEREIN, and equally binding, and that you accept such Terms of Use and agree to be legally bound by them WITHOUT LIMITATION OR QUALIFICATION.

We reserve the right, at our sole discretion, to update or revise these Terms of Use. You agree to accept notice of any changes and you agree to any changes to these Terms of Use or Site Rules by the posting of a modified Terms of Use or Site Rules on this Site. Please check these Terms of Use regularly for changes or modifications.

The term "you" refers to you as an individual person and, in the case of a corporation or other business entity, that business entity and you as a person authorized by that business entity to enter into and bind the business entity to these Terms of Use, as well as any Site Rules.

The terms "we", "us", "our" or "Site Sponsor" refer to Pacific America Mortgage The term "Group" refers to Pacific America Mortgage, its successor, subsidiary and affiliated companies. The term "PAM" is the marketing name and service mark of Pacific America Mortgage.

You may contact us using the contact information located in the last section of this Terms of Use, entitled "Contact and Notification Information".

1. WE DO NOT HAVE RESPONSIBILITY FOR LINKS TO CONTENT PROVIDED BY OTHERS

LINKS TO OTHER INTERNET WEB SITES PROVIDED BY THIRD PARTIES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEB SITE IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT.

This Site may, from time to time, contain links to other sites such as banner advertisements or hyperlinks which we do not own or control, but which we provide for your convenience. If you visit a link to another web site, you do so at your own risk subject to the conditions of use set by that web site. We reserve the right to terminate a link to another web site at any time. The fact that we provide a link to a web site does not necessarily mean we endorse, authorize or sponsor that site, or that we are affiliated with the site's owners or sponsors.

You may not link to this Site without our written permission. If you wish to link to this Site, please contact us using the Contact and Notification Information at the end of this Terms of Use.

2. OUR PROPRIETARY RIGHTS AND YOUR RESTRICTED USE.

This Site's content, including but not limited to all music, images, icons, text, software, logos, expressions and ideas, is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, this Site's content is protected by patent and trademark laws, the laws of privacy and publicity, and various communication regulations and statutes. You are not authorized to post on or transmit to or from this Site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, immoral or profane material, or any other content that could give rise to any civil or criminal liability under the law.

Any commercial use of this Site or its content beyond the specific use licensed herein or by written authorization from us is prohibited. You may print a copy of the information contained on this Site only for your personal use subject to the following: (i) you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server without the prior written permission of the Site Sponsor; (ii) you may not modify the content or make derivative works therefrom; and (iii) you must retain on all copies all copyrights, service marks and other proprietary notices. This right may be revoked at any time.

3. WE DO NOT ALLOW YOU TO USE SERVICE MARKS REFERENCED IN THIS SITE.

The trademarks, service marks, tradenames and logos ("Marks") used and displayed on this Site are our registered and unregistered Marks owned by the Site Sponsor and/or Group. Certain trademarks, service marks and names ("TP Marks") used on this Site are the property of third parties. Other than as specified in the preceding section, and notwithstanding any other information on this Site, you are not allowed to use any Mark or TP Mark, by implication, estoppel, or otherwise, and you are not granted any license or right to use any Mark or TP Mark without our written permission. No Mark may be used in any way, including in hyperlinks, advertising or publicity pertaining to distribution of materials on this Web Site, without our prior written permission.

Although we try to provide accurate and timely information on this Site, there may be inadvertent, technical or factual inaccuracies and typographical errors. Furthermore, there are certain aspects of web usage, e-mail, your computer and your link to the Internet which we cannot control. We therefore make no representation that the operation of this Site will be uninterrupted or error free, and we will not be liable for the consequences of any interruptions or errors or loss. For these reasons we cannot warrant the accuracy, completeness or timeliness of the information, text, graphics, links or other items on this Site or the privacy of responses to you via e-mail.

Customers and potential customers are invited to contact us or our agents by non-Internet means for important personal transactions. However, UNDER NO CIRCUMSTANCES SHALL WE, OR GROUP, BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE IN CONNECTION WITH THIS SITE, OR FROM YOUR USE OF, OR INABILITY TO USE, THIS WEB SITE BY ANY PERSON; OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE; OR DISCLOSURE OF INFORMTION DURING REPLY TO YOU BY E-MAIL OR OTHER ELECTRONIC MEANS; EVEN IF AMWEST SERVICING OR REPRESENTATIVES THEREOF ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdiction, our liability is limited to the greatest extent permitted by law.

THIS WEB SITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. You agree that your reliance on any Site content regarding individual prices of bonds, stocks or securities shall be at your own, sole risk.

WE ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY VIRUSES THAT MAY INFECT OR DAMAGES TO YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING OF THIS SITE, THE WEB OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMATES, VIDEO, OR AUDIO FROM THIS SITE OR THE WEB.

WE DO NOT WARRANT NOR REPRESENT THAT YOUR USE OF MATERIALS DISPLAYED ON THIS WEBSITE WILL NOT INFRINGE RIGHTS OF THIRD PARTIES NOT OWNED OR AFFILIATED WITH US.

We reserve the right to make changes to any content or to the Terms of Use of this Site at any time and without notice.

5. INFORMATION, PRODUCTS AND SERVICES OFFERED ARE SUBJECT TO OUR ACCEPTANCE

Information on this Site is not intended for residents of states or countries where specific companies or products are not authorized or licensed, or where any content of or transaction on this site is unlawful. Those who choose to access this Site do so on their own initiative and are responsible for compliance with local laws.

This Site may provide general information about the Site Sponsor and the products and services offered by the Group. Information on the Site does not constitute an offer to sell or a solicitation of any particular product or service. Some products and services may not be available in all states, and the products and services are generally not available for purchase outside the United States. Your eligibility for particular products and services is subject to final determination, restrictions and acceptance by us or member of Group that issues the product or service.

Site Sponsor or Group may discontinue or make changes to the information, products, licenses or services described herein at any time. Any dated information is published as of its publication date only. The Site Sponsor and Group do not undertake any obligation or responsibility to update or amend any such information. The Site Sponsor and Group reserve the right to terminate any or all offerings without prior notice to the user. Furthermore, by offering information, products or services via this Site, no solicitation is made by Site Sponsor or the Group to any person to use such information, products or services in jurisdictions where the provision of information, products or services is prohibited by law.

6. YOU AUTHORIZE US TO COLLECT AND USE INFORMATION ABOUT YOU 7. WE DO NOT PROVIDE INVESTMENT ADVICE OR SOLICIT OFFERS

You hereby authorize the Site Sponsor and Group to collect aggregate information which is not personally identifiable to you about your use of this Site. You also authorize us to use information which is personally identifiable to you (or others) that you send us to provide any service you request.

7. WE DO NOT PROVIDE INVESTMENT ADVICE OR SOLICIT OFFERS

This Site and the information contained herein do not constitute investment advice, an offer, or a solicitation for the purchase or sale of any securities or insurance product. The Site may contain information and press releases about the Site Sponsor and Group, and although this information was believed to be accurate as of the date prepared, Site Sponsor disclaims any duty or obligation to update such information.

If any information is construed to be an offer for the purchase and sale of securities, please consult the appropriate prospectus and other registration documents filed with the Securities and Exchange Commission ("SEC"). To the extent any information on this Site is deemed to be a "forward looking statement" as defined in the rules and regulations of the Securities Act of 1933, as amended, and specifically the Private Securities Litigation Reform Act of 1995, such information is intended to fit within the "safe harbor" for forward looking information and is subject to material risk factors which may or may not be disclosed herein. You can identify "forward looking" statements by the fact that they do not relate strictly to historical or current facts. They may use such language as "anticipate," "expect," "estimate," "project," "intend," "plan," "believe" or other similar language. Any "forward looking" statement on this Site or in other information may turn out to be incorrect. Such statements may be affected by inaccurate assumptions or by unknown risks and uncertainties. Therefore, actual results may vary materially and there are no guarantees about any security. We do not undertake any obligation to revise any "forward looking" statement to reflect changes in events, circumstances or expectations.

If you desire to purchase a security of any kind we recommend that you contact a qualified stockbroker or financial advisor.

Do not rely on stock price information on this Site. While we believe that any such information is accurate, we cannot guarantee or warrant the accuracy, completeness, or timeliness of the information. More specifically, you should not rely on any stock price information on this Site for specific investment transactions. We are not liable for any loss or damages, whether direct, indirect, incidental, special, consequential or exemplary, that may arise from reliance on the stock price information or the Investor Relations home page.

8. NO CLIENT, FIDUCIARY OR PROFESSIONAL RELATIONSHIP IS ESTABLISHED BY PROVIDING INFORMATION ON THIS SITE

We make every reasonable effort to provide you with sound information at our Site. We also invite you to make personal contact with us via non-Internet means. However, limitations of the Internet do not allow us to establish a client, fiduciary or professional relationship with you through this Site. Accordingly, we require that.

YOU AGREE THAT NO CLIENT, ADVISORY, FIDUCIARY OR PROFESSIONAL RELATIONSHIP IS CREATED, IMPLIED OR ESTABLISHED BETWEEN YOU AND THE SITE SPONSOR OR GROUP AND THAT YOU AGREE AND UNDERSTAND THAT NO PERSON OR ENTITY IS, IN CONNECTION WITH THIS SITE, ENGAGED IN RENDERING AUDITING, ACCOUNTING, INVESTMENT, SECURITIES, TAX, LEGAL ADVICE OR CONSULTING OPINIONS AND THAT YOU WILL CONSULT APPROPRIATE LICENSED PROFESSIONALS FOR OPINIONS AND ADVICE RELATING TO THE SPECIFIC FACTS, LAWS AND ROLES WHICH MAY APPLY IN YOUR SPECIFIC CASE.

We invite you to contact us via non-Internet means regarding critical information using the contact information in Section 16 of these Terms of Use.

9. ARBITRATION AND DISPUTES IN CALIFORNIA

You hereby agree that all disputes and causes of action arising out of use of this Site may be arbitrated (at the sole discretion of Site Sponsor) in a non-binding arbitration by a single arbitrator selected by the Site Sponsor and conducted in Los Angeles County, California, or such other location, as the Site Sponsor may choose in its sole discretion, under the rules of the American Arbitration Association ("AAA") and the California Rules of Civil Procedure with limited discovery. The judgment of the arbitrator may be executable in any civil court. Site Sponsor will pay to AAA arbitration fees in excess of the first $500 U.S. dollars for you once you have paid $500 to AAA, but in no case more than a total of $3,000 arising out of any single, group or class cause of action. The losing party shall pay all costs and fees. Equitable actions for temporary restraining orders or injunctions may be instituted in a court of competent jurisdiction concerning the use, misuse or improper dissemination of information.

You agree to submit to personal jurisdiction in Los Angeles County, California, and that the venue of any lawsuit, dispute or cause of action of any kind or in any forum, whether arising in tort, contract, or otherwise, including but not limited to actions arising out of any use, inability to use or viewing of this Site, or the terms or subject matter of this Terms of Use shall be in Los Angeles County, California, or such other venue as may be determined by the Site Sponsor or Group in its sole discretion, and that the law to be applied shall be the law of Indiana, without regard to conflict of law principles.

10. FAILURE TO EXERCISE RIGHTS DOES NOT CONSTITUTE WAIVER

No failure, omission or delay on the part of Site Sponsor or Group in exercising any right under this Agreement will preclude any other further exercise of that right or other right under this Agreement.

11. YOU AGREE TO CHANGES AND AMENDMENTS BY POSTING ON THIS SITE

The Site Sponsor reserves the right to change these Terms of Use, any Site content or any Site Rules at any time without notice and in our sole discretion, by (1) posting a change notice or a new Terms Of Use on our Site, or (2) using commercially reasonable efforts to notify you via email, if provided. Any change to these Terms of Use or any Site Rules shall be effective as to you or any user who uses this Site without notice, by posting of the Terms of Use as changed on this Site, with or without notice of any specific changes. You agree that you will comply with these Terms of Use and any Site Rules as they may be modified from time to time by the Site Sponsor by checking for modifications on this Site, whether or not you have received notice of any changes by e-mail or otherwise. If any modifications of this Terms of Use are unacceptable to you, your only recourse is to terminate this Agreement. Your continued use of this Site following your receipt of notice of any modifications will constitute binding acceptance of any modification. Any inconsistent terms between this Agreement and any subsequent modifications or Terms of Use posted on this Site shall be controlled according to the latest posting.

12. NO USE OF SITE BY MINORS

No person under the age of 18 may use this Site. We do not knowingly solicit business by minors or children and request that any person under the age of 18 have their parent or responsible adult contact us. If you are under age 18 please leave this Site immediately. You agree to report all information you have about any person under 18 who uses this Site to us immediately using the Contact and Notification Information below.

13. CONFIDENTIALITY OF INTERNET NOT GUARANTEED

Although we try to protect information you send us, we cannot guarantee that information sent over the Internet is completely confidential. There are certain aspects of Internet usage, your computer and your links to the Internet we cannot control. Therefore, transmission of information to us on the Internet must be undertaken at your own risk.

14. YOU AUTHORIZE E-MAIL RESPONSE TO INQUIRIES

We will respond to your inquiries and questions via e-mail if you provide us with an e-mail address. However, be advised that information sent by e-mail may not be completely confidential not only because of certain aspects of electronic transfer, but also because others may have access to the computer or e-mail address to which the e-mail response is sent. Unless you specifically state in capital letters within your inquiry as follows: "DO NOT RESPOND TO THIS INQUIRY BY E-MAIL", you hereby consent to response to your inquiries and questions via e-mail in view of the risks inherent in using e-mail.

15. COMPETITORS MAY NOT USE THIS SITE

You agree that you are not a competitor of Site Sponsor or Group in the financial services industry. Competitors and their employees, agents, and contractors may not use this Site for any purpose. Employees of competitors may use this Site for their personal use so long as information is not disclosed to a competitor business, used for a commercial purpose or used for any purpose of competing with Site Sponsor or Group.

16. ENTIRE AGREEMENT

This Terms of Use and any Site Rules ("Agreement") comprise the entire Agreement between you and the Site Sponsor. There are no agreements, understandings, promises or conditions, oral or written, express or implied, concerning the subject matter of this Agreement or in consideration hereof that are not merged herein or superseded hereby. This Agreement shall not be modified, terminated, or discharged except by written instrument signed by authorized representatives of the Parties hereto.

17. TERMINATION OF SERVICE

We reserve the right in our sole discretion to terminate, restrict, or suspend this Site, service, access or information for you at any time for any reason without prior notice or liability.

18. INFORMATION FROM THIRD PARTY PROVIDERS

Certain material provided on this Site, particularly stock market information and live information feeds, is provided is independently obtained, prepared and provided by third parties ("Information") which are not affiliated with Site Sponsor or Group and Site Sponsor or Group is not responsible for these third parties. This Information is provided free of charge for your general understanding and should not be relied upon for specific investment decisions and transactions. The Site Sponsor and Group have not reviewed the Information and are not responsible for the accuracy, completeness, reliability or correct sequencing of the Information. The Information does not in any way represent the opinion of Site Sponsor or Group.

IN NO EVENT WILL SITE SPONSOR, GROUP OR OTHER PERSONS TRANSMITTING THE INFORMATION BE LIABLE TO YOU OR ANYONE ELSE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES AND DAMAGES THAT MAY RESULT FROM INCONVENIENCE, DELAY OR LOSS OF THE USE OF THE INFORMATION) EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

19. SUBMISSIONS

All ideas, expressions and inventions (excluding any nonpublic personal information) submitted to the Site Sponsor via this Site shall be deemed and remain the property of the Site Sponsor and the Site Sponsor shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor or customer provides to Site Sponsor through this site. The Site Sponsor shall not be subject to any obligations of confidentiality regarding ideas, expressions and inventions (excluding any nonpublic personal information) except as agreed in writing executed by all parties.

20. CONDITIONS OF USE

BY USING THIS WEBSITE, YOU ACKNOWLEDGE YOUR ASSENT TO THE FOLLOWING CONDITIONS OF USE WITHOUT LIMITATION OR QUALIFICATION. PLEASE READ THESE CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE. THESE TERMS AND CONDITIONS MAY BE REVISED AT ANY TIME BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE THEN CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND.

21. DISCLAIMER

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND Pacific America Mortgage AND ITS SUBSIDIARIES AND AFFILIATES (COLLECTIVELY, "PAM") DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. AMWEST DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. PAM DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT PAM) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT NECESSARILY INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES; PLEASE REFER TO THE ACTUAL POLICY OR THE RELEVANT PRODUCT OR SERVICES AGREEMENT.

THIS WEBSITE MAY BE LINKED TO OTHER WEBSITES WHICH ARE NOT MAINTAINED BY PAM. PAM IS NOT RESPONSIBLE FOR THE CONTENT OF THOSE WEBSITES. THE INCLUSION OF ANY LINK TO SUCH WEBSITES DOES NOT IMPLY APPROVAL OF OR ENDORSEMENT BY PAM OF THE WEBSITES OR THE CONTENT THEREOF.

22. LIMITATION OF LIABILITY

While Pacific America Mortgage uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, Pacific America Mortgage makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall Pacific America Mortgage or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Pacific America Mortgage or a Pacific America Mortgage authorized representative has been advised of the possibility of such damages. In no event shall Pacific America Mortgage total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.

Pacific America Mortgage also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

23. RESTRICTIONS ON USE OF MATERIALS

This website is owned and operated by Pacific America Mortgage Except as otherwise expressly permitted by Pacific America Mortgage, no materials from this website or any website owned, operated, licensed or controlled by Pacific America Mortgage may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without Pacific America Mortgage' written permission. Pacific America Mortgage neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

24. JURISDICTIONAL ISSUES

Unless otherwise expressly set forth herein, Pacific America Mortgage makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by Pacific America Mortgage No security, insurance product or other product or service is offered or will be sold by Pacific America Mortgage or, if sold by Pacific America Mortgage, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

25. OWNERSHIP OF INFORMATION

Any information, other than personal data or information, you transmit to Pacific America Mortgage via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of Pacific America Mortgage. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Pacific America Mortgage is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Pacific America Mortgage via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

26. TRADEMARKS AND COPYRIGHTS

All trademarks, services marks, trade names, logos, and icons are proprietary to Pacific America Mortgage. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of Pacific America Mortgage. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.

Images displayed on this website are either the property of, or used with permission by, Pacific America Mortgage. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by Pacific America Mortgage. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

27. SOFTWARE LICENSES

You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. Pacific America Mortgage does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.

28. CONTACT AND NOTIFICATION INFORMATION

You may contact us using the following information: Pacific America Mortgage Corp, 6 Pointe Drive, Suite 300, Brea CA 92821

© 2026 Pacific America Mortgage. All rights are reserved worldwide. No portion of this site may be copied or reproduced in any medium or in any manner other than stated herein without the written permission of Pacific America Mortgage.

We may change these terms at any time and update them on this site and/or other means as required.

Pacific America Mortgage. Terms of Use

OVERVIEW

You take online privacy seriously, and so does Pacific America Mortgage. It's our way of sustaining your trust in our company, our products, and our services. Our privacy statement describes how we collect, protect, and use customer information.

YOUR PROTECTION IS OUR PRIORITY

We strive to safeguard your data and do so by:

• Setting policies and procedures for carefully handling your information
• Llimiting employee access to sensitive information
• Protecting against unauthorized access to customer data using data encryption, authentication, and virus detection technology
• Requiring service providers who do business with Pacific America Mortgage to comply with privacy laws

SECURING YOUR DATA

Our systems automatically switch to "secure" mode when you are asked to enter personal information on our Pacific America Mortgage website.
To keep your data safe, we use:

• Encryption and authentication technology
• IDs and passwords to protect customer information

USE OF COOKIES

Our Pacific America Mortgage website makes use of "cookie" technology to measure site activity. A cookie is an element of data that a web site can send to your browser, which may then store the cookie on your hard drive.

When you visit the Pacific America Mortgage web site, we may collect and store information about your visit on an anonymous, aggregate basis.
We use this information only to measure site activity and to develop ideas for improving our sites. This information may include:

• Time and length of your visit
• Web pages you looked at on our sites
• Web site you visited just before coming to ours
• Name of your Internet service provider

WHAT PERSONAL INFORMATION DOES PACIFIC AMERICA MORTGAGE COLLECT?

There are several opportunities on our Web sites for you to provide us with personal information, such as:

• Your name
• Mailing address
• E-mail address
• Phone number

When you fill out a loan application on our site, we may ask for a variety of information to help us evaluate your eligibility and determine the loan product that may be right for you.

To fund your loan, comply with government regulations, improve our products and services, and better understand your financial needs, we collect and maintain your current customer and your prior customer data if you are a returning client. We collect information:

• You provide us on applications and other forms (such as your phone, social security account numbers, and assets, income and employment history)
• About your credit history from a credit reporting agency when you authorize us to do so
• About you or your property from business partners and service providers (such as a property appraisal or a purchase contract)
• About you from current or past employers or other financial institutions when verifying information you provide on an application or other form
• We disclose some of this data to third parties such as credit reporting agencies, regulators and loan investors. We only work with parties that agree to keep the information confidential and not use it for any other purpose.

IMPORTANT INFORMATION REGARDING THE PATRIOT ACT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who open an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

CCPA PRIVACY NOTICE

This CCPA PRIVACY NOTICE is for California residents only and supplements the information contained in the Privacy Statement of AmWest Funding Corp. and dba Pacific America Mortgage and its subsidiaries (collectively, “we,” “us,” or “our”) and applies solely to visitors, client’s, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice. The Company does not use or disclose sensitive personal information for purposes other than those specified in California Consumer Privacy Act Regulations 7027 (m).

Information We Collect
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, we have collected, or disclosed for a business purpose to third parties, the following categories of personal information from consumers within the last twelve (12) months in order to facilitate the pro cessing of your mortgage loan application :

Personal information does not include:

• Publicly available information from federal, state or local government records.
• De-identified or aggregated consumer information.
• Information excluded from the CCPA's scope, such as personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

We obtain the categories of personal information listed above from the following categories of sources:

• Directly from our clients or their agents. For example, from documents that our clients provide to us related to the services that we are asked to perform.
• Indirectly from our clients or their agents. For example, through information we collect from our clients in the course of providing services to them.
• Directly and indirectly from activity on our websites (https://pamtg.com). For example, from submissions through our website portal or website usage details collected automatically.
• From third-parties that interact with us in connection with the services we perform. For example, credit reporting agencies, appraisers and other service providers.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

• To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in order for us to prepare a rate quote or ask a question about our products or services, we will use that personal information to respond to your inquiry.
• To provide, support, personalize and develop our Website, products and services.
• To provide you with information, products or services that you request from us.
• To provide you with email alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
• For testing, research, analysis and product development.
• As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
• To respond to audits or state or federal examinations by our regulators.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sharing Personal Information

We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

We disclose your personal information for a business purpose to the following categories of third parties:

• Our affiliates.
• Service providers.
• Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.

In order to facilitate the processing of your mortgage loan application, in the preceding twelve (12) months, we have shared the categories of personal information indicated in the “Information We Collect” section set forth above in this Privacy Policy to:

• Our affiliates.
• Service providers.
• Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.

In the preceding twelve (12) months, we have not sold any personal information and we have no intention of doing so in the future. The Company does not collect or sell the personal information of consumers under 16 years of age.

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability

Unless your personal information is excluded from the scope of the CCPA, you have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
  1. Sales, identifying the personal information categories that each category of recipient purchased.
  2. Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

Unless your personal information is excluded from the scope of the CCPA, you have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
8. Comply with a legal obligation.
9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

• Calling us at 714-831-3005
• Visiting us at https://pamtg.com
• Emailing us at ccpa@pamtg.com

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request. Our practices with regard to verifying a request will vary depending on the request and the information we have on the person making the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or through a notice on our website homepage.

Contact Information

If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

CONTACT PACIFIC AMERICA MORTGAGE

If you have any questions about this privacy policy or Pacific America Mortgage's treatment of your personal information, please write to:

Your Rights under the CCPA

The rights that the CCPA confers on consumers regarding their personal information includes all of the following:

• The right to know what personal information the Company has collected about the consumer, including the categories of personal information, the categories of sources from which the personal information is collected, the business or commercial purpose for collecting, selling, or sharing personal information, the categories of third parties to whom the business discloses personal information, and the specific pieces of personal information the business has collected about the consumer.
• The right to delete personal information that the business has collected from the consumer, subject to certain exceptions.
• The right to correct inaccurate personal information that a business maintains about a consumer.
• If the Company sells or shares personal information, the right to opt-out of the sale or sharing of their personal information by the business.
• If the Company uses or discloses sensitive personal information for reasons other than those set forth in section 7027, subsection (m), the right to limit the use or disclosure of sensitive personal information by the business.
• The right not to receive discriminatory treatment by the Company for the exercise of privacy rights conferred by the CCPA, including an employee’s, applicant’s, or independent contractor’s right not to be retaliated against for the exercise of their CCPA rights.

How You May Exercise Your Rights Under the CCPA

As a consumer you may exercise your rights under the CCPA and may expect all of the following from that process::

• An explanation of the methods by which the consumer can exercise their CCPA rights.
• Instructions for submitting a request under the CCPA, including any links to an online request form or portal for making such a request, if offered by the Company.
• If the Company sells or shares personal information, and is required to provide a Notice of Right to Opt-out of Sale/Sharing, the contents of the Notice of Right to Opt-out of Sale/Sharing or a link to that notice.
• If the Company uses or discloses sensitive personal information for purposes other than those specified in section 7027, subsection (m), and is required to provide a Notice of Right to Limit, the contents of the Notice of Right to Limit or a link to that notice in accordance with section 7014, subsection (f).
• A general description of the process the business uses to verify a consumer request to know, request to delete, and request to correct, when applicable, including any information the consumer must provide.
• Explanation of how an opt-out preference signal will be processed for the consumer (i.e., whether the signal applies to the device, browser, consumer account, and/or offline sales, and in what circumstances) and how the consumer can use an opt-out preference signal.
• If the business processes opt-out preference signals in a frictionless manner, information on how consumers can implement opt-out preference signals for the business to process in a frictionless manner.
• Instructions on how an authorized agent can make a request under the CCPA on the consumer’s behalf.

This Privacy Policy was last updated on: August 15, 2026.

EQUAL OPPORTUNITY LENDER AND EQUAL OPPORTUNITY HOUSING

Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18), to:

• Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or
• Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

AND TO

EQUAL CREDIT OPPORTUNITY ACT

Under the Equal Credit Opportunity Act, it is illegal to discriminate in any credit transaction:

• On the basis of race, color, national origin, religion, sex, marital status, or age;
• Because income is from public assistance; or
• Because a right has been exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO: