Disclosures

FAIR HOUSING ACT

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 to 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.

EQUAL HOUSING LENDER/EQUAL OPPORTUNITY LENDER

We are an Equal Housing Lender/Equal Opportunity Lender. As an Equal Housing Lender/Equal Opportunity Lender, we do not discriminate on the basis of race, color, national origin, religion, sex, handicap or familial status (having children under the age of 18).

EQUAL CREDIT OPPORTUNITY ACT

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 has been exercised under the Consumer Credit Protection Act.

EQUAL OPPORTUNITY EMPLOYMENT

We are an Equal Opportunity Employer. As an Equal Opportunity Employer, we do not discriminate on the basis or race, color, religion, national origin, sex, age,  marital status, disability or veteran status. It is our goal to make employment decisions that further the principle of equal employment opportunity by utilizing objective standards based upon an individual's qualifications for a specific job opening.

HOME MORTGAGE DISCLOSURE ACT

UNDER THE HOME MORTGAGE DISCLOSURE ACT, IT IS THE DUTY OF DEPOSITORY INSTITUTIONS LIKE FIRST SOUTH TO REPORT:

The number and total dollar amount of mortgage loans which were (A) originated (or for which the institution received completed applications), or (B) purchased by that institution during each fiscal year.