IT IS ILLEGAL TO DISCRIMINATE AGAINST ANY PERSON BECAUSE OF RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS (HAVING ONE OR MORE CHILDREN), OR NATIONAL ORIGIN

• In the sale or rental of housing or residential lots.
• In advertising the sale or rental of housing.
• In the financing of housing.
• In the appraisal of housing.
• In the provision of real estate brokerage services.
• Blockbusting is also illegal.

ANYONE WHO FEELS HE OR SHE HAS BEEN DISCRIMINATED AGAINST SHOULD SEND A COMPLAINT TO:

U.S. Department of Housing and Urban Development
Assistant Secretary for Fair Housing and Equal Opportunity
Washington, D.C. 20410

or:

CHICAGO REGIONAL OFFICE
Ralph Metcalfe Federal Building
77 West Jackson Blvd.
Chicago, IL 60604

Equal Housing Lender - 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 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.

Assistant Secretary for Fair Housing and Equal Opportunity
U.S. Department of Housing and Urban Development
Washington, DC 20410
For processing under the Federal Fair Housing Act

FDIC Consumer Response Center
2345 Grand Blvd. Suite 100
Kansas City, MO 64108
For processing under Federal Deposit Insurance Corporation 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 income is from public assistance; or
• Because a right has been exercised under the Consumer Credit Protection Act.

FDIC Consumer Response Center
2345 Grand Blvd. Suite 100
Kansas City, MO 64108
For processing under Federal Deposit Insurance Corporation Regulations

Home Mortgage Disclosure Act Notice - The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; race, gender, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the location where HMDA data may be inspected. To receive a copy of the data, send a written request to Terre Haute Savings Bank P.O. Box 9629, Terre Haute, IN 47808.

Annual Disclosure Statement - The Federal Deposit Insurance Corporation requires FDIC-insured State-Chartered Banks that are not members of the Federal Reserve System to prepare, and make available on request, annual disclosure statements of the bank's financial condition. This statement shows the bank's financial condition at the end of the most recent year and the preceding year. For a free copy of this statement, contact: Auditor, Terre Haute Savings Bank, 533 Ohio Street, P.O. Box 9629, Terre Haute, IN 47808. Phone: 888-245-1929 or 812-234-4864

Funds Availability - Our general policy is to allow you to withdraw funds deposited in your account on the next business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the next business day. Then, the funds will generally be available by the second business day after the day of deposit.

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, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

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 FDIC Regional Manager, Division of Compliance and Consumer Affairs, 500 West Monroe, Suite 3300, Chicago, IL 60661. You may send written comments about our performance in helping to meet community credit needs to Compliance Officer, Terre Haute Savings Bank, 533 Ohio Street, Terre Haute, IN 47807. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be make public.

You may ask to look at any comments received by the FDIC Regional Manager. You may also request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of Terre Haute Savings Mutual Holding Company, a mutual holding company. You may request from the Manager, Analytical Support Unit, Federal Reserve Bank of Chicago, 230 South LaSalle, Chicago, IL 60604, an announcement of applications covered by the CRA filed by mutual holding companies.

Transaction Account Guarantee Program
Terre Haute Savings Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.