text: *Consumer Laws and Regulations*
  
  We are also subject to certain consumer laws and regulations that are designed to protect consumers in 
  transactions with banks. While the following list is not exhaustive, these laws and regulations include the Truth in 
  Lending Act, the Truth in Savings Act, the Electronic Funds Transfer Act, the Expedited Funds Availability Act, the 
  Equal Credit Opportunity Act, and the Fair Housing Act, among others. These laws and regulations among other 
  things prohibit discrimination on the basis of race, gender or other designated characteristics and mandate various 
  disclosure requirements and regulate the manner in which financial institutions must deal with customers when 
  taking deposits or making loans to such customers. These and other laws also limit finance charges or other fees or 
  charges earned in our activities. We must comply with the applicable provisions of these consumer protection laws 
  and regulations as part of our ongoing customer relations. 
  
  *Technology Risk Management and Consumer Privacy*
  
  State and federal banking regulators have issued various policy statements emphasizing the importance of 
  technology risk management and supervision in evaluating the safety and soundness of depository institutions with 
  respect to banks that contract with outside vendors to provide data processing and core banking functions. The use 
  of technology-related products, services, delivery channels and processes expose a bank to various risks, particularly 
  operational, privacy, security, strategic, reputation and compliance risk. Banks are generally expected to prudently 
  manage technology-related risks as part of their comprehensive risk management policies by identifying, measuring, 
  monitoring and controlling risks associated with the use of technology. 