PRIVACY POLICY
Desert Capital REIT (“DCR”) is committed to safeguarding the non-public personal information that you provide us.  This Privacy Policy describes how we handle and protect non-public personal information we collect about individuals such as you, who apply for or receive our products and services, or have previously.

Why And How We Collect Personal Information
When you apply for or maintain an account with DCR, we collect non-public personal information about you for business purposes, such as evaluating your financial needs, processing your requests and transactions, informing you about products and services that may be of interest to you, and providing customer service.  The information we collect about you includes:

1. Information you provide to us on applications and other account forms, such as your name, address, date of birth, social security number, occupation, assets, and income;
2. Information about your transactions with us and our affiliates;
3. Information we receive from consumer reporting agencies, such as your credit history and creditworthiness, and other entities not affiliated with DCR; and
4. Information you provide to us to verify your identity, such as government issued identification, that we receive from other entities not affiliated with DCR.               

How We Protect Information
We limit access to your non-public personal information to those employees who need to know in order to conduct our business, service your account, and help you achieve your financial objectives.  Our employees are required to maintain and protect the confidentiality of your non-public personal information and must follow established procedures at all times.  We maintain physical, electronic, and procedural safeguards to protect your non-public personal information.  We do not rent or sell your name or non-public personal information to anyone for any reason.  In addition, it should be noted that even if you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

Sharing Information With Our Affiliates
DCR may disclose the information that we collect about you to our affiliates who offer financial products or services.

Disclosure To Non-Affiliated Third Parties
In order to support the financial products and services that we provide to you, we may share the information described above with third-party service providers not directly affiliated with us, including:

1. Companies under contract to perform services for us or on our behalf, such as vendors that prepare and mail statements and transaction confirmations or provide data processing, computer software maintenance and development, transaction processing and marketing services. 

These companies acting on our behalf are required to keep your non-public personal information confidential.

In addition, we may disclose information to cooperate with regulatory authorities and law enforcement agencies to comply with subpoenas or either official requests, and as necessary to protect our rights or property.

Accessing And Revisiting Your Personal Information
We endeavor to keep our customer files complete and accurate.  We will give you reasonable access to the information we have about you.  Most of this information is contained in account statements that you receive from us and applications that you submit for our products and services.  We encourage you to review this information and notify us if you believe any information should be corrected or updated.  If you have a question or concern about your non-public personal information or this privacy notice, please contact your DCR representative. 

We will provide our privacy policy to you annually as long as you maintain an account with us.  This policy may be modified from time to time to comply with applicable laws or to conform to our current business practices.  If we modify this policy, you will be notified of any changes.