Equal Housing Lending Laws

30 Year Conventional
7.99	0	8.055
5.99	2.75	6.312

15 Year Conventional
5.375	0	5.47
4.99	2.75	5.514

July 4, 2008
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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 & Urban Development
Washington, D.C. 20410

For Processing under the Federal Fair Housing Act, and to:

Division of Consumer and Community Affairs
Federal Reserve Bank of America
104 Marietta Street, N.W.
Atlanta, Georgia 30303

For processing under Comptroller of the Currency regulations.
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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 was exercised under the Consumer Credit Protection Act.

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

Division of Consumer and Community Affairs
Federal Reserve Bank of America
104 Marietta Street, N.W.
Atlanta, Georgia 30303

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