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

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

NCUA 1582 (Rev. 7/94)
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