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Disclosure for Mortgage Application

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

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 opens 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.


NOTICE TO MARRIED APPLICANTS - WISCONSIN RESIDENTS

No provision of any marital property agreement, unilateral statement under s.766.59, Wis. Stats. or court decree under s.766.70, Wis. Stats. adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted or an open-end credit plan is entered into, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision. For the purpose of obtaining the credit described above, and any future credit granted to the undersigned by the creditor named above, the undersigned, jointly and severally, represent that the above statements are true and complete, authorize the creditor named above, or its agents, to verify them and obtain additional information concerning our credit standing and furnish the same to others, and agree to the provisions of any rules, regulations or agreements of the creditor named above governing such credit. This application is the creditor's property.

I/We acknowledge that this credit being applied for, if granted, will be incurred in the interest of my marriage of family. I understand the creditor may be required by law to give notice of this credit transaction to my spouse.


EQUAL CREDIT OPPORTUNITY ACT NOTICE

The Federal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, Consumer Response Center, 2345 Grand Boulevard, Suite 100, Kansas City, MO 64108-2638. (703) 812-1020, (800) 378-9581, WWW.FDIC.GOV.


PRIVACY POLICY

  1. Introduction To The Privacy Policy
    At Southport Bank, our mission is to meet the needs of our customers. As financial services professionals entrusted with sensitive non-public, personal and financial information, we respect the privacy of consumers, customers and former customers. We are committed to treating the nonpublic, personal and financial information responsibly. It is the Bank's policy not to share specific information about consumers, customers or former customer accounts or any other personally identifiable data to unaffiliated third parties except as allowed by law. Our Customer Information Privacy Principles below serve as standards for all Southport Bank employees for the collection, use, retention and security of individual customer information.
  2. Recognition Of Customers’ Expectation Of Privacy
    At Southport Bank, we believe the confidentiality and protection of consumers, customer and former customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. Thus, the safekeeping of customer information is a priority for Southport Bank.
  3. Customer Benefits Of Institution’s Information Management Practices
    Information about consumers and customers is accumulated from a variety of sources. Some information is provided to Southport Bank directly by customers themselves. Other data is developed by Southport Bank as a function of providing a product or service to a customer. Still other information is obtained from outside sources. We will limit the use and collection of information about our customers and former customers to that which is necessary to make business decisions, provide products, services and other opportunities to our customers, or is required by law. This means that we will use information to help us identify and mitigate potential risks or loss to Southport Bank. We will use information to help identify additional products or services which we believe customers might want to know about. We will use this information only in accordance with the principles set out in this policy.
  4. Maintenance Of Accurate Information
    We continually strive to maintain complete and accurate information about you and your accounts. The bank has adopted procedures to ensure that customer information is accurate and have established error resolution procedures in cases where information is outdated or is otherwise inaccurate. Should you believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.
  5. Limitations On Employee Access To Information
    Each Southport Bank employee is required to follow our Company's "Code of Conduct," which states that all nonpublic, personal consumer, customer and former customer information is considered private and privileged and is used solely for the purpose of providing you with the finest service available.
  6. Protection Of Information Via Established Security Procedures
    Southport Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.
  7. Restrictions On The Disclosure Of Account Information
    It is the Bank's policy not to reveal specific information about consumers, customer and former customer accounts or any other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence or business matter, unless (1) the information is provided to help complete a customer-initiated transaction; (2) the customer requests or permits it; (3) the disclosure is required by or allowed by law (e.g. subpoena, investigation of fraudulent activity, request by a regulator, etc.); or (4) the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and given the opportunity to decline (i.e. "opt out"). We will not disclose personal financial information to nonaffiliated third parties for their independent telemarketing or direct mail marketing of non-financial products and services.
  8. Maintaining Customer Privacy In Business Relationships With Third Parties
    When the Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.
  9. Providing Privacy Information To Customers And Responding To Inquiries
    Southport Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles, which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call Southport Bank at 262-942-1111 or mail us at P. O. Box 68, Kenosha, WI 53141.

 

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Equal Housing LenderNOTICE: Southport Bank is not responsible for the content or accuracy of any third party website. Southport Bank shall not be responsible for any loss or damage of any sort resulting from the use of a link on its website nor will it be liable for any failure of products or services advertised or provided on these linked sites. Please contact us with any concerns or comments.

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