usbank.com

Borrower Authorization of Release of Private Information

The undersigned Borrower and Co-Borrower, if any, (individually and collectively, “Borrower” or “I”) authorize U.S. Bank National Association, and its successors and assigns (“U.S. Bank”), to disclose, share, release, communicate, and provide to and with Minnesota Housing Finance Agency (“Third Party”) private information and documentation (collectively, “Information “) contained in or related to my mortgage loan, which is identified below. This Information may include, but is not limited to, my name, address, telephone number, social security number, FICO score, loan data, credit report, income, government monitoring information, loss mitigation application status, account balances, program eligibility, reports, and payment activity, including delinquencies. I understand that some or all of the Information is classified as private information with regard to an individual. I understand that it may be necessary for Third Party to have access to my Information in order to effectively manage Third Party’s loan programs.

I have read and understand U.S. Bank’s Privacy Pledge which is attached to this Authorization. I am aware that U.S. Bank is committed to compliance with its Privacy Pledge and with the Privacy of Consumer Financial Information (Regulation P) Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA) and other legal requirements relating to the privacy and security of my Information.

I understand that U.S. Bank will take reasonable steps to verify the identity of Third Party before releasing my Information to Third Party, but U.S. Bank has no responsibility or liability to verify the identity of Third Party or what Third Party will do with my Information provided by U.S. Bank. I agree to indemnify and hold U.S. Bank harmless in the event Third Party misuses my Information provided to Third Party by U.S. Bank.

This authorization will not be valid unless I sign the authorization and will remain in effect until I revoke it in writing and deliver my revocation to U.S. Bank.
Borrower(S)
[Borrower Full Name 1][Before Borrower 2][Borrower Full Name 2][Before Borrower 3][Borrower Full Name 3][Before Borrower 3][Borrower Full Name 4]
Property Address
[Property Full Address]

Borrower’s Signature		Date	
			
Borrower’s Signature		Date	
			
Borrower’s Signature		Date	

FACTS	WHAT DOES U.S. 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 depend on the product or service you have with us. This information can include:
■	Social Security number and income
■	account balances and payment history
■	transaction history and credit history	
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 U.S. Bank chooses to share; and whether you can limit this sharing.	
Reasons we can share 
your personal information	Does U.S. 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—	Yes	No	
For our affiliates’ everyday business purposes—
•	information about your creditworthiness	Yes	Yes	
For non-affiliates to market to you	No*	We don’t share	
To limit
our sharing	■	Call 800-370-8580—our menu will prompt you through your choice or
■	Visit us online: http://www.usbank.com/privacy and tell us your preference on the “Exercise Your Privacy Choice” page.
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.	
To limit
our direct
marketing	Please note: We may contact our existing customers by mail, telephone, or email to offer additional financial products or services including products and services offered by non-affiliates that we believe may be of interest to you. You may direct us not to send you such offers.
■	To limit our direct marketing to you by mail or telephone, please call 
800-370-8580--our menu will prompt you through your choices, or visit us online: https://www.usbank.com/privacy/ and tell us your preference on the “Exercise Your Privacy Choice” page.
■	To limit our direct marketing to you by e-mail, visit us online: http://www.usbank.com/privacy and tell us your preference on the "Email Preferences" page.	
Questions?	Call 800-872-2657 or go to usbank.com	

Page 2		
Who we are		
Who is providing this notice?	Companies with the U.S. Bank and U.S. Bancorp names and other affiliates. Please see below for a list of other affiliates that do not have a U.S. Bank or U.S. Bancorp name.
Except for California, North Dakota and Vermont residents, a different notice applies to customers who leased or purchased a vehicle and obtained U.S. Bank financing directly through a dealership. That notice from U.S. Bank—Dealer Financial Services is available online at http://www.usbank.com/privacy or by calling 800-437-9497.	
What we do		
How does U.S. 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 U.S. Bank collect my personal information?	We collect your personal information, for example, when you
■	open an account or apply for a loan
■	use your credit or debit card or make deposits or withdrawals from your account
■	tell us about your investment or retirement portfolio
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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.	
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply individually—unless you tell us otherwise.	
Definitions		
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies.
■	Our affiliates include companies with a U.S. Bank and U.S. Bancorp name; financial companies such as U.S. Bank National Association and U.S. Bancorp Investments, Inc.	
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies.
■	U.S. Bank does not share with non-affiliates so they can market to you	
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
■	U.S. Bank doesn’t jointly market	

Other important information
Page 3		
Other important information	
You may have other privacy protections under applicable state laws. To the extent these state laws apply, we will comply with them when we share information about you.

For California residents: In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by California law.

For Vermont residents: In accordance with Vermont law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example with your consent or to service your account. We will not share information about your creditworthiness within our corporate family except with your authorization or consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.

For Nevada residents: We may contact our existing customers by telephone to offer additional financial products that we believe may be of interest to you. You have the right to opt out of these calls by adding your name to our internal do-not-call list. To opt out of these calls, or for more information about your opt out rights, please contact our customer service department. You can reach us by calling 
800-USBANKS (800-872-2657), clicking the “Email Us” link at usbank.com/privacy, or writing to 
P.O. Box 64490, St. Paul, MN 55164. You are being provided this notice under Nevada state law. In addition to contacting U.S. Bank, Nevada residents can contact the Nevada Attorney General for more information about your opt out rights by calling 702-486-3132, emailing aginfo@ag.nv.gov or by writing to:
Office of the Attorney General, Nevada Department of Justice, Bureau of Consumer Protection 100 North Carson Street, Carson City, NV 89701-4717	
Additional U.S. Bancorp affiliates	
The Miami Valley Insurance Company	Mississippi Valley Company	Red Sky Risk Services, LLC	
*Please keep in mind that, as permitted by applicable law, if you have a private label credit card account with us, we share information about you with our financial or retail partners in connection with maintaining and servicing your account, including for that financial or retail partner to market to you. Federal law does not give you the right to limit this sharing.