| REGULATORY | OLD EXCHANGE NATIONAL BANK – CRA PUBLIC FILE NOTICE |
| OCC Compliance | In accordance with the Community Reinvestment Act (CRA) regulations enforced by the Office of the Comptroller of the Currency (OCC), Old Exchange National Bank maintains a complete public file for review. These documents highlight our efforts to service the credit needs of our local community. |
| Public Access | Any member of the public may inspect our CRA files. Per updated regulatory provisions, all required information is provided on this digital landing page, free of charge, to maximize community transparency. |
| PUBLIC WRITTEN COMMENTS LOG (CURRENT YEAR + TWO PRIOR YEARS) | |
| Requirement | All written comments received from the public for the current year and each of the prior two calendar years that specifically relate to the bank's performance in helping to meet community credit needs must be detailed here. |
| Current Log Status | No public written comments or signed correspondence relating to our performance under the Community Reinvestment Act have been received during this active logging window. If received, responses by the bank would be cataloged alongside original inquiries. |
| BRANCH INFRASTRUCTURE AND RETAIL SERVICES | |
| Branch Locations | Our brick-and-mortar physical locations, operating lobby hours, and functional deposit automated teller machines (ATMs) are cataloged within our geographic assessment profiles. |
| Services Opened/Closed | Reports outlining physical branch locations opened or formally closed during the prior two calendar years are logged sequentially, detailing geography, dates, and localized target demographics. |
| Products & Fees | A comprehensive review of retail transaction options, loan capabilities, loan-to-deposit parameters, and general retail fee charts are evaluated to check for uniform safe and sound execution across our market footprint. |
| Community Reinvestment Act Files |