in  marketing 

financial  services, 

(cid:153)  Assisting 
(cid:153)  advertising and promotions, publications, workshops and conferences;  
(cid:153)  Furnishing financial services training for staff and management; 
(cid:153)  Contributing accounting/bookkeeping services; and  
(cid:153)  Assisting in fund raising, including soliciting or arranging investments. 

including 

the  development  of 

Home Mortgage Disclosure Act (“HMDA”) 

The  Home  Mortgage  Disclosure  Act,  enacted  by  Congress  in  1975,  and  subsequently 
amended, requires institutions to annually report data about applications for residential 
(including multifamily) financing. 

Income Level 

The income level of the person, family or household is based on the income of person, 
family or household.  A geography’s income is categorized by median family income for 
the geography.  In both cases, the income is compared to the MSA or statewide 
nonmetropolitan median income. 

Income level of individual or geography  % of the area median income 
Low-income 
Moderate-income 
Middle-income 
Upper-income 

Less than 50 
At least 50 and less than 80 
At least 80 and less than 120 
120 or more 

Loans to Small Businesses 

Small business loans to businesses with gross annual revenues (“GAR”) of $1 million or 
less (“< = $ 1MM”).  

Low or Moderate Income (“LMI”) Geographies 

Those census tracts or block numbering areas (“BNAs”), where according to the 2000 
US  Census,  the  median  family  income  is  less  than  80%  of  the  area  median  family 
income.    In  the  case  of  tracted  areas  that  are  part  of  a  Metropolitan  Statistical  Area 
(“MSA”)  or  Primary  Metropolitan  Statistical  Area  (“PMSA”),  this  would  relate  to  the 
median family income for the MSA or PMSA in which the tracts are located.  In the case 
of BNAs and tracted areas that are not part of a MSA or PMSA, the area median family 
income would be the statewide non-metropolitan median family income. 

LMI Borrowers 

Borrowers  whose  income,  as  reported  on  the  loan  application  which  the  lender  relied 
upon in making the credit decision, is less than 80% of the area median family income.  
In  the  case  where  the  residential  property  is  located  in  a  MSA  or  PMSA,  this  would 
relate to the median family income for that MSA or PMSA.  Otherwise, the area median 

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