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 to 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, DC 20410

For processing under the Federal Fair Housing Act

AND TO

Division of Consumer & Community Affairs
Federal Reserve Board
Washington, DC 20551

...for processing under Federal Reserve 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;
• Because income is from public assistance; or
• Because a right has been exercised under the Consumer
Credit Protection Act.

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

Division of Consumer & Community Affairs
Federal Reserve Board
Washington, DC 20551


Call Harold Osborn at 715/845-5263 x305 for more information.

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