Community Reinvestment Notice

Under the Federal Community Reinvestment Act (CRA), the Office of the Controller of the Currency (OCC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The OCC 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 OCC, 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 this 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 OCC 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 an approved 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 Crestmark, a division of MetaBank®, 5480 Corporate Drive, Suite 350, Troy, Michigan 48098.

At least 30 days before the beginning of each quarter, the OCC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Director, Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Ste. 3450, Houston, TX 77010-9050. You may send written questions or comments about our performance in helping to meet the community credit needs to Michael K. Goik, President, Crestmark, a division of MetaBank, 5480 Corporate Drive, Suite 350, Troy, Michigan 48098 and the OCC Regional Director. You may also submit comments electronically through the OCC’s Web site at Your letter, together with any response by us will be considered by the OCC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the OCC Regional Director. You may also request from the OCC Regional Director an announcement of our applications covered by the CRA filed with the OCC.

Michael K. Goik, President
Crestmark | A division of MetaBank®

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