We Do Business in Accordance with Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

• Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
• Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity Department of Housing and Urban Development Washington, D.C. 20410

for processing under the Federal Fair Housing Act, and to:

Customer Assistance Group Comptroller of the Currency 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050

for processing under Office of the Comptroller of the Currency Regulations.

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

• On the basis of race, color, national origin, religion, sex, marital status, or age (provided the applicant has the legal capacity to enter into a binding contract);
• Because income is from public assistance; or
• Because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMIATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Consumer Assistance Group Comptroller of the Currency 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050