Community Reinvestment Act (CRA)

Community Reinvestment Act Notice

Under the Federal Community Reinvestment Act (CRA), the Comptroller of the Currency evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The Comptroller 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 Comptroller, 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 Comptroller 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 areas, 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: The First National Bank of Manchester located at 100 West High Street, Manchester, Tennessee 37355.]

At least 30 days before the beginning of each quarter, the Comptroller publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from: Deputy Comptroller of the Currency; Southeastern District; Marquis One Tower, Suite 600; 245 Peachtree Center Ave. NE; Atlanta, Georgia 30303. You may send written comments about our performance in helping to meet community credit needs to:

Community Reinvestment Act Officer
First National Bank
PO Box 989
Manchester, TN 37349 245
Deputy Comptroller of the Currency
Southeastern District
Marquis One Tower, Suite 600
Peachtree Center Ave. NE
Atlanta, GA 30303

Your letter, together with any response by us, will be considered by the Comptroller in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the Deputy Comptroller. You may also request from the Deputy Comptroller an announcement of our applications covered by the CRA filed with the Comptroller. We are an affiliate of FCB Corporation, a bank holding company. You may request from the Federal Reserve Bank of Atlanta, Georgia, an announcement of applications covered by CRA filed by bank holding companies.