OUR PRIVACY PLEDGE TO YOU

Our clients are our most valuable asset. You trust us to discreetly handle your mortgage loan. And we in turn take seriously our responsibility to protect your confidential information and privacy. We will never share or sell any nonpublic personal information about you to unaffiliated third parties or outside companies as discussed below.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, us, and institution, when used in this notice, means Wintrust Mortgage.

At Wintrust Mortgage, we are committed to protecting the information you provide to us during the course of business activities. This includes information that we receive from you in person, via online communications from you, or through other systems we offer. It is important to us that you know how we collect information about you and how we may use that information.

What Information We Collect

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

• Information provided to us on loan applications, or other forms. Types of information include name, address, Social Security number, income information, employment, assets, and personal debt information.
• Information about your transactions with us and with our affiliated companies.
• Information from a consumer reporting agency.
• Information we receive as a result of verifying customer information.

Nonpublic personal information is the information that is not available publicly and that we obtain in connection with providing a mortgage loan to you. Nonpublic information does not include information that is available from public sources such as telephone directories, federal, state or local government records and real estate recordations. We limit our collection of information to that which we believe is necessary to conduct our business appropriately and to provide you with the products and level of service that you want.

What Information We Share with Affiliates and Nonaffiliated Third Parties

We do not sell or disclose nonpublic personal information about our existing or former customers to anyone, except as permitted by law. We do not provide customer account numbers to third parties for marketing purposes.

Sharing Information with Companies That Perform Services for Us

We may disclose all of the information we gather, as outlined in "What Information we Collect", to our marketing department or to companies that perform other services for us. We may also disclose information to companies we engage to provide products or services to you including transactions that you have requested or to provide operational support. In such cases, these companies, by contract, keep your information confidential and may use your information only to perform the services for which we have engaged them.

Other Information Sharing

In circumstances permitted by law, we may share information with nonaffiliated third parties. These may include sharing information:

• With other financial institutions or selected credit reporting agencies
• In conjunction with the sale of your account and related information to another financial institution
• As required by either federal or state laws, such as in responding to a subpoena and summons

How We Protect the Confidentiality of Information Collected

We restrict access to nonpublic personal information about you only to those employees who must know your information to provide services and products to you. Under no circumstances are the employees permitted to discuss, or otherwise reveal, your information with unauthorized persons. Our employees will treat all information collected about you confidentially. Employees are bound by our code of conduct and this Privacy Policy, which requires them to adhere to its principles. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

INTERNET PRIVACY POLICY

We respect your privacy and use our best efforts to protect the privacy of visitors to this web site. The following Internet Privacy Policy (the "Policy") contains general and technical details about how we treat data collected and received from you.

What Personal Information is Collected?

We gather the unique technical data regarding your Internet access to our site, which includes but is not limited to your numerical IP (Internet Protocol) address, your browser software type, and any referring web site URL. This information is used strictly for the compilation of usage statistics and is kept strictly confidential.

We gather personal data, which includes but is not limited to your name, address, email address, and phone number, when you voluntarily register for our services. We also gather the personal data, which includes but is not limited to the name, address, email address and phone number of prospects and other indirect recipients of our services, when you voluntarily submit such information.

Sharing of Personal Data

The information collected on our site will not be used beyond these purposes, or be sold or bartered to any other third parties.

We reserve the right to use or disclose any information as needed to satisfy any law, regulation or legal request or to cooperate in any law enforcement investigation or an investigation on a matter of public safety.

Cookies

"Cookies" are small data files stored on your computer's hard drive containing information about you and your computer as it related to this web site. Some of our web services may set and access cookies during the use of those web services in order to provide an improved user experience.

Correcting/Updating Personal Data

All personally identifiable information is "transient" and is not stored on our system for more than 24 hours.

Links to Other Sites

We may offer links to sites that are not operated by our company. If you visit one of these sites, please be aware that we are not responsible for the policies and practices of other companies. You should always review the privacy and other policies of any web site you visit.

Changes to our Privacy Policy

From time to time, it may be necessary for us to change this Policy. We reserve the right at our discretion to modify this Policy at any time.