Legal & Privacy Terms

AS REQUIRED BY THE UNITED STATES OF AMERICA PATRIOT ACT (USAPA).

Sibcy Cline Mortgage Services, Inc. has established an internal customer identification program (CIP).

This means that we are required by law to obtain documentation to verify your identity. We will obtain your name, address, date of birth, and social security number. We will verify this information by retaining a photo copy of your driver's license or other photo identification allowed under the USAPA.

THIS COMMUNICATION IS PROVIDED TO YOU FOR INFORMATIONAL PURPOSES ONLY.

The rates, terms and products described are subject to change and are not to be relied upon for your particular mortgage situation and characteristics. Please contact your Sibcy Cline Mortgage Service Loan Officer directly to discuss potential mortgage products, apply for a mortgage loan or lock in an interest rate. 513-984-6776 or 888-984-6776.

SECURITY

BEST PRACTICES AGAINST PREDATORY LENDING

Predatory lending is difficult to clearly define. Predatory lending is generally characterized by abusive lending practices that include deception, fraud and other practices that are unfair to borrowers. The Federal Government and many States have taken steps to combat predatory lending. These efforts include disclosures and enforcement that should contribute to a reduction in predatory lending.Sibcy Cline Mortgage is a responsible lender and condemns practices that deceive, defraud or treat borrowers unfairly. We strive to build lifelong relationships by helping borrower to achieve their life dream - homeownership.

CONSUMER TIPS TO AVOID PREDATORY LENDING

• State Of Ohio

• State Of Kentucky

• State Of Indiana

PRIVACY

OUR PRIVACY PLEDGE TO YOU

As a customer of Sibcy Cline Mortgage Services, Inc., you provide us with important information about yourself. We believe it is our responsibility to safeguard your personal and financial information. While some financial institutions share account owner information with other businesses, we are committed to keeping it confidential.We have developed the following privacy policy to ensure you the confidentiality you deserve. You have our promise that we will adhere to these guidelines. It is our pledge to you..

NOTICE OF YOUR PRIVACY RIGHTS

We, our, and us, when used in this notice, means Sibcy Cline Mortgage Services, Inc.This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:All of our consumer customers who have a continuing relationship with us, such as:

• Loan account

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

WE FIRST DEFINE SOME TERMS

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION WE COLLECT

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms

• Information about your transactions with us

• Information about your transactions with affiliates

• Information about your transactions with nonaffiliated third parties

• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND AFFILIATES

We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to our affiliates:Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as

• Name

• Address

• Phone numbers

• Property sale price

• Loan amount

Federal law allows us to disclose the information listed above our affiliates. You do not have a right to opt out of the disclosure of this information.

TYPES OF AFFILIATES

We may disclose nonpublic personal information about you to the following types of affiliates:

• Financial service providers, such as:

• Insurance agents

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to nonaffiliated third parties:

• Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as

• Name

• Address

• Phone numbers

• Property sale price

• Loan amount

Federal law allows us to disclose the information listed above nonaffiliated third parties. You do not have a right to opt out of the disclosure of this information.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

We may disclose nonpublic personal information about former customers. Here are the kinds of nonpublic personal information we may disclose:

• Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as

• Name

• Address

• Phone numbers

• Property sale price

• Loan amount

Federal law allows us to disclose the information listed above nonaffiliated third parties. You do not have a right to opt out of the disclosure of this information.

SMS CONSENT

We do not market to you using SMS messaging. Sibcy Cline will not initiate SMS (text) messages with you unless you have chosen to receive those messages by providing explicit consent, such as checking a consent box on an information request form, providing verbal consent, or initiating contact with us via SMS.If you consent to receive SMS messages, such messages may include transactional or customer service communications related to your real estate transaction, appointment confirmations, account updates, or other service-related notifications. Message frequency may vary. Message and data rates may apply.You may opt out of receiving SMS messages at any time by replying STOP to any message. You may request additional information by replying HELP.No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Mobile information is used solely by Sibcy Cline to deliver the SMS communications you have consented to receive.

TYPES OF NONAFFILIATED THIRD PARTIES

We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:

• Marketing companies such as

• Growella