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 housing, 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 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.