Mortgage Application
Disclosure Notice

We will send you the following disclosures and licensing information upon receipt of your application:

• Home Mortgage Disclosure Act (HMDA)
  Data exhibits geographic distribution of loans and applications; income of applicants and borrowers; and information about loan approvals and denials.

• Equal Housing Opportunity Lender
  Our business is conducted in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988), whereby it is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.

• Equal Credit Opportunity Act Fair Lending Notice
  Prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); all or part of an applicant's income derived from a public assistance program; or because an applicant has exercised a right under the Consumer Credit Protection Act in good faith.

• State Licenses
  Any applicable State disclosure regulations that require licenses to be explicitly disclosed.

• Other Special Notices
  Any applicable advertising or other notices that require disclosure.

Complete Secure Mortgage Application
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I acknowledge that I have read, understand
and agree with your Privacy Statement.

On October 3, 2008, President George W. Bush signed the Emergency Economic Stabilization Act of 2008, which temporarily raises the basic limit on federal deposit insurance coverage from $100,000 to $250,000 per depositor. The temporary increase in deposit insurance coverage became effective immediately upon the President's signature. The legislation provides that the basic deposit insurance limit will return to $100,000 on December 31, 2009. The bank has chosen not to participate in the FDIC’s Transaction Account Guarantee Program. Customers of the bank with noninterest bearing transaction accounts will continue to be insured through December 31, 2009 for up to $250,000 under the FDIC’s general deposit insurance rules.