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The purpose of collecting this information is to help ensure that all applicants are treated
fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential
mortgage lending, Federal law requires that we ask applicants for their demographic information
(ethnicity, sex and race) in order to monitor our compliance with equal credit opportunity, fair housings
and home mortgage disclosure laws. You are not required to provide this information, but are encouraged
to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race."
The law provides that we may not discriminate on the basis of this this information, or on whether
you choose to provide it. However, if you choose not to provide the information and you have made this
application in person, Federal regulations require us to note your ethnicity, sex and race on the basis
of visual observation or surname. The law also provides that we may not discriminate on the basis of
age or marital status information you provide in this application. If you do not wish to provide some
or all of this information, please check below.