Products and Services

Public Notices & Disclosures

Equal Housing - 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.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

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

AND TO:

Division of Compliance and Consumer Affairs
Federal Deposit Insurance Corporation
Washington, DC 20429-9990
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.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Division of Compliance and Consumer Affairs
Federal Deposit Insurance Corporation
Washington, DC 20429-9990

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 1648, 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: Jason Reichert, Vice President / Auditor, Terre Haute Savings Bank, 533 Ohio Street, P. O. Box 1648, Terre Haute, IN 47808. Phone: 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 fifth 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 Department, Terre Haute Savings Bank, 533 Ohio Street, Terre Haute, IN 47807, and the FDIC Regional Manager, Division of Compliance and Consumer Affairs, 500 West Monroe, Suite 3300, Chicago, IL 60661. 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.

TERRE HAUTE SAVINGS BANK
533 OHIO STREET P. O. BOX 1648
TERRE HAUTE, INDIANA 47808
812-234-4864