Home Mortgage Disclosure Act Notice

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FOR PUBLIC FINANCIAL INFORMATION REGARDING
BAYLAKE BANK,
A MEMBER OF THE FEDERAL RESERVE SYSTEM
PLEASE CONTACT:

COMPLIANCE DEPARTMENT
217 N. 4TH AVE., STURGEON BAY, WI 54235
(920) 743-5551
One copy of the information is available free of charge upon request.

HOME MORTGAGE DISCLOSURE ACT
NOTICE

The HMDA data about our residential mortgage lending are
available for review. The data show geographic distribution of loans
and applications; race, gender and income of applicants and borrowers;
and information about loan approvals and denials. Inquire at this office
regarding the locations where HMDA data may be inspected.

BAYLAKE BANK
CONSUMER COMPLAINT PROCEDURE

Any consumer having a complaint regarding a state member bank is invited to submit it to the Federal Reserve System. The complaint should be submitted in writing, if possible, and should include the following information:

a. a description of the act or practice that is thought to be unfair or deceptive, or in violation of existing law or regulation, including all relevant facts;
b. the name and address of the bank that is the subject of the complaint; and
c. the name and address of the complainant.

Consumer complaints should be made to:

Director, Division of Consumer and Community Affairs,
Board of Governors of the Federal Reserve System
Washington, D.C. 20551

Federal Reserve
Bank of Chicago
230 South LaSalle Street
Chicago, Illinois 60604

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Baylake Bank | P.O. Box 9 Sturgeon Bay, WI 54235 | (920) 743-5551 or (800) 267-3610