We do business in accordance with the Federal Fair Lending Laws.

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, RELIGION, SEX, OR NATIONAL ORIGIN, 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 term or conditions of such a loan,
or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DICRIMINATED 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:
                             National Credit Union Administration
                             Office of Examination and Insurance
                                  Alexandria, VA 22314-3428
                            For processing under NCUA 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 was exercised under the Consumer Credit Protection
Act.

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

                                National Credit Union Administration
                                Office of Examination and Insurance
                                      Alexandria, VA 22314-3428