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 Regional Director, Division of Supervision and Consumer Protection, FDIC New York Regional Office, 350 Fifth Avenue, Suite 1200, New York, New York 10118.  You may send written comments about our performance in helping to meet community credit needs to Paul Mulligan, Senior Vice President & CRA Officer, The Milford Bank, 33 Broad Street, Milford, Connecticut 06460 and the FDIC Regional Director.  Your letter, together with any response by us will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC.  You may also request from the FDIC Regional Director an announcement of our applications covered by the CRA filed with the FDIC.