Please read the following disclosure
Page 1 of 7
This disclosure documents your consent to electronically receive all communications, disclosures, notices, documents,
advisories, agreements and periodic statements (“information”), relative to certain deposit accounts, services, and
loans you maintain with, or for which you have submitted an application to, Small Business Bank ("Bank"). This disclosure
also describes your rights relative to receiving information electronically, as well as the consequences of withdrawing
your consent. We recommend you print and retain a copy of this disclosure and all of the disclosures and agreements
related to this transaction, your applications, and accounts. You consent to receive one or more of the following
documents electronically, depending on the type of accounts, services, and loans you obtain from the Bank:
Account agreements
Service agreements
Periodic statements
Change in terms notices
Any other required documents, disclosures, or contracts
Real Estate Settlement Procedures Act (RESPA) disclosures
Regulation Z (Truth in Lending) disclosures
Regulation B (Equal Credit Opportunity Act) notices and disclosures (including any related Notice of Right to Receive a
Copy of an Appraisal, as well as any appraisal or evaluation which the Bank is required to provide to you under Regulation B)
Other required documents deemed necessary for the processing of your loan application.
You have the right to have these document(s) provided on paper. A fee may be assessed for each document requested in paper form.
Future information will continue to be delivered electronically unless you request otherwise. If you choose to receive
periodic statements electronically, this will replace traditional paper statements mailed to you. Electronic statements
will be delivered to you electronically in Portable Document Format (“PDF”) that you can view online, save to your computer,
or print at your convenience.
You understand and agree that by consenting to receive electronic statements, you will no longer receive account statements by mail.
You further understand that we may charge you a fee according to our fee schedule then in place for any requested paper documents.
You have the right to withdraw consent for delivery of any information in electronic form. In order to withdraw your consent, you must
contact the Bank in writing at 13423 W. 92nd Street Lenexa, KS 66215. If you withdraw your consent of electronic receipt of information,
you will receive documents and communications by mail. If you withdraw consent of electronic delivery of the RESPA or Regulation Z
disclosures, you will receive these documents by mail which could create delays in processing your loan application with the Bank.
We will not impose a fee to process the withdrawal of your consent to receive electronic communications. Any withdrawal of your consent
to receive information electronically will be effective only after we have a reasonable period of time to process your request.
It is your responsibility to provide the Bank with accurate and complete contact information, including e-mail address, and any other
information related to your accounts, services, or loans. You can update this information by contacting the Bank at the address or
telephone number listed below.
Small Business Bank
To receive an electronic copy of information from the Bank, you must have the following minimum hardware and software to access and
retain the electronic document(s): Personal computer or other device capable of internet access and retention/printing the document;
internet access; internet web browser capable of supporting TLS 1.2 or greater encrypted communications; current web browser, and a
system/device with TLS 1.2 or greater encryption software: software permitting receipt and access to Portable Document Format files,
such as the current Adobe Acrobat Reader; a valid email account with internet service provider and email software capable of receiving
electronic communications.
If the Bank changes the hardware or software requirements, the Bank will provide you with a statement of the revised hardware and
software requirements. At such time, you will have the right to revoke your consent to receive information electronically. In a
case where the account or loan is jointly owned or jointly applied for, the consent of only one owner/applicant will be required
to consent to the E-SIGN Act.
I request the Bank to provide me with the applicable communications, disclosures, notices, documents, advisories, agreements and periodic
statements in electronic format. By clicking on the "next" button below, I am confirming that I have, at a minimum, the hardware and software
listed above to be able to receive and retain this information.
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Trade and Assessment Area Notice
Page 2 of 8
Small Business Bank is authorized to accept loan and credit
applications through its website smallbusinessbank.com from applicants whose address is in the
bank trade and assessment area. If you have any questions please call us at 1 (855) 635-9696.
Please enter the county in which you reside.
Please select an option
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Bates County, Missouri
Caldwell County, Missouri
Cass County, Missouri
Clay County, Missouri
Clinton County, Missouri
Jackson County, Missouri
Johnson County, Kansas
Lafayette County, Missouri
Leavenworth County, Kansas
Linn County, Missouri
Miami County, Kansas
Platte County, Missouri
Ray County, Missouri
Wyandotte County, Kansas
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I live in a Kansas or Missouri county that is not listed.
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I do not reside in any of these counties.
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Borrower Information
Page 3 of 7
Home Address (no P.O. Box)
Street Address*
Address Line 2
Phone Number*
Do you wish to receive text message
status
updates from us?*
Select an option
Yes
No
Would you like to receive email
notifications about
products or services that may be of interest to you?*
Select an option
Yes
No
OR
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Additional Owners Information
Page 5 of 7
How many other people own 25% or more of the business?
Select an option
0
1
2
3
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Privacy Policy
Page 6 of 7
I. Privacy Policy
FACTS: WHAT DOES SMALL BUSINESS BANK DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives
consumers
the right to limit some but not all sharing. Federal law also requires us to tell you
how
we
collect, share and protect your personal information. Please read this notice carefully
to
understand what we do.
What?
The types of personal information we collect and share depends on the product or service
you
have with us. This information can include:
Social Security number
Credit History
Account balances
Payment History
Transaction History
Credit Scores
When you are no longer our customer, we continue to share your information as described
in
this
notice.
How?
All financial companies need to share customers' personal information to run their
everyday
business. In the section below, we list the reasons financial companies can share their
customers' personal information; the reasons Small Business Bank chooses to share; and
whether
you can limit this sharing.
Reasons We Can Share Your Personal Information
Reasons We Can Share Your Personal Information Does Small Business Bank Share? Can you limit this sharing?
For our everyday business purposes--
such as to process your transactions, maintain your
account(s), respond to
court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes-- To offer our products and services to you
Yes
No
For joint marketing with other financial companies
No
We don’t share
For our affiliates’ everyday business purposes -- Information about your transactions and experiences
No
We don’t share
For our affiliates’ everyday business purposes -- Information about your creditworthiness
No
We don’t share
For nonaffiliates to market to you
No
We don’t share
What we do How does Small Business Bank protect my personal information?
To protect your personal information from unauthorized access and use, we use security
measures
that comply with federal law. These measures include computer safeguards and secured
files
and
buildings.
How does Small Business Bank collect my personal information?
We collect your personal information, for example, when you
Apply for a loan
Give us your income information
Pay us by check
Give us your contact information
Provide employment information
We also collect your personal information from others, such as credit bureaus,
affiliates,
or
other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
Sharing for affiliates’ everyday business purposes – information about your
creditworthiness
Affiliates from using your information to market to you
Sharing for nonaffiliated to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial
companies.
Small Business Bank has affiliates, but does not share your information with its
affiliates
Nonaffiliates
Companies not related by common ownership or control. They can be financial and
nonfinancial
companies.
Small Business Bank does not share with nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market
financial
products or services to you.
Small Business Bank does not jointly market
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Disclosures and Agreements
Page 7 of 7
II. U.S. Patriot Act Disclosure
Patriot Act Disclosure
Important Information about Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering
activities,
U.S. Federal law requires financial institutions to obtain, verify and record
information
that
identifies each person (individual or business) 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 for your driver’s
license
or
other identifying information.
Patriot Act Disclosure May 11, 2018
Important Information about Opening a Legal Entity Account effective May 11, 2018,
new
rules
under the Bank Secrecy Act will aid the government in the fight against crimes to
evade
financial measures designed to combat terrorism and other national security
threats.
Each time an account is opened for a covered Legal Entity, we are required to ask
you
for
identifying information (name, address, date of birth, social security number as
well
as
identification documents) for:
Each individual that has beneficial ownership (25% or more); and,
One individual that has significant managerial control of the Legal Entity.
If you are opening an account on behalf of a Legal Entity, you will be required to
provide
the
appropriate documentation to certify that this information is true and accurate to
the
best
of
your knowledge.
We proudly support all efforts to protect and maintain the security of our customers
and
our
country.
III. Credit Disclosure
Everything I have stated in this application is correct to the best of my knowledge. I
understand
that you will retain this application whether or not it is approved. You are authorized
to
check my
credit and employment history and answer questions about your credit experience with
me.
The
Credit
Disclosures are provided electronically, by accepting the terms and conditions, I
acknowledge
that
I understand the disclosures noted above.
I accept the terms and agreements and have read all applicable disclosures.*
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No
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