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Loan Disclaimers

Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

Marital status is only required for joint or secured credit, or applicant resides in a community property state or is relying on property located in such a state as a basis for repayment of the credit requested.

The "Information for Government Monitoring Purposes" section on the application only needs to be filled out if the loan is to be used for Home Purchase, Home Improvement or Refinancing.

Loans are subject to application and credit approval.

Mortgages, Home Equity Loans and Lines of Credit are also subject to acceptable property appraisal and title search.

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Temporary Liquidity Guarantee Program - Our institution has elected to participate in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.