PUBLIC DISCLOSURE:

                         

This document is an evaluation of this institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation of the institution.  This evaluation is not, nor should it be construed as, an assessment of the financial condition of this institution.  The rating assigned to this institution does not represent an analysis, conclusion, or opinion of the federal financial supervisory agency concerning the safety and soundness of this financial institution.