5 - 3 
 Assisting in marketing financial services, including the development of 
 advertising and promotions, publications, workshops and conferences;  
 Furnishing financial services training for staff and management; 
 Contributing accounting/bookkeeping services; and  
 Assisting in fund raising, including soliciting or arranging investments. 
 
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 
Less than 50 
Moderate-income 
At least 50 and less than 80 
Middle-income 
At least 80 and less than 120 
Upper-income 
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 
