Fair Lending Statement

Exchange Bank’s policy is to ensure any existing or potential credit customer is treated fairly, equally, and have nondiscriminatory access to credit. The Bank believes the granting of credit should be made without regard to any of the following prohibited factors: race, color, ethnicity, religion, gender, martial or family status, sexual orientation, age, or the fact the applicant receives public assistance or may have exercised rights under the Federal Consumer Credit Protection Act.

Exchange Bank does not tolerate discrimination by any of its officers, employees, agents, or third-party vendors against any existing or potential credit customer in any aspect of a credit transaction whether mortgage, consumer, or business on any of the prohibited factors listed above.

Exchange Bank monitors its products, services, policies and practices through internal and external reviews. Exchange Bank strives to comply with all governing fair lending regulations, applicable state laws, and its regulator, The Federal Deposit Insurance Corporation (FDIC).