The purpose of collecting this information is to help ensure that all applicants are treated fairly & that the housing needs of communities & neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, & race) in order to monitor our compliance with equal credit opportunity, fair housing, & home mortgage disclosure laws. You are not required to provide this information but are encouraged to do so. You may select one or more designations for "Ethnicity" & one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information & you have made this application in person, Federal regulations require us to note your ethnicity, sex, & race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.