Important Notices
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying
documents.
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, DC 20410
For processing under the Federal Fair Housing Act
and to:
Federal Deposit Insurance Corporation,
National Center for Consumer and Depositor Assistance
1100 Walnut Street, Box #11
Kansas City, Missouri 64106
https://ask.fdic.gov/fdicinformationandsupportcenter.
For processing under the FDIC 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 of source of income, 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:
Federal Deposit Insurance Corporation,
National Center for Consumer and Depositor Assistance
1100 Walnut Street, Box #11
Kansas City, Missouri 64106
Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information
about loan approvals and denials. HMDA data for many other financial institutions are also available at this Web site.
For more information, visit the Consumer Financial Protection Bureau's Web site ( www.consumerfinance.gov/hmda).
Community Reinvestment Act Notice
Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us. Your involvement is encouraged.
You are entitled to certain information about our operations and our performance under the CRA. You may review today the public section of our most recent CRA evaluation, prepared by the FDIC and a list of services provided at this branch. You may also have access to the following additional information, which we will make available to you at the branch within five calendar days after you make a request to us: (1) a map showing the assessment area containing this branch, which is the area in which the FDIC evaluates our CRA performance in this community; (2) information about our branches in this assessment area; (3) a list of services we provide at those locations; (4) data on our lending performance in this assessment area; and (5) copies of all written comments received by us that specifically relate to our CRA performance in this assessment area, and any responses we have made to those comments. If we are operating under a strategic plan, you may also have access to a copy of the plan.
(If you would like to review information about our CRA performance in other communities served by us, the public file for our entire bank is available at Peoples Exchange Bank, Main Office, located at 101 North Main Street, Winchester, KY 40391)
At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Director, Division of Supervision and Consumer Protection (DSC), FDIC, 300 South Riverside Plaza, Suite 1700, Chicago, IL 60606. You may send written comments about our performance in helping to meet community credit needs to Anthony D. Parrish, President and CEO, PO Box 4040, Winchester, KY 40392 and FDIC Regional Director. You may also submit comments electronically through the FDIC’s website at www.fdic.gov/regulations/cra. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.
You may ask to look at any comments received by the FDIC Regional Director. You may also request from the FDIC Regional Director an announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of Genbeach Company, Inc., a bank holding company. You may request from the Federal Reserve Bank of Cleveland, PO Box 6387, Cleveland, OH 44101, an announcement of applications covered by the CRA filed by bank holding companies.
Rev. 4/1/19