Under the Community Reinvestment Act (CRA), the Commissioner of Banks (Commissioner) or the Federal Reserve Bank (FRB) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The Commissioner and FRB also take 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 Commissioner and FRB; and comments received from the public relating to our performance in helping to meet the 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 Commissioner and FRB publishes a nationwide list of the banks that are scheduled for CRA examinations for that quarter. That list is available from the DSC Regional Director, Division of Compliance and FRB. You may send written comments about our performance in helping to meet community credit needs to:

Bank of Fall River, A Co-operative Bank
ATTN: CRA Officer
P.O. Box 591
Fall River, MA 02722

Office of the Commissioner of Banks
One South Station
Boston, Massachusetts 02110

and

Federal Reserve Consumer Help
P.O. Box 1200
Minneapolis, MN 55480
(888)851-1920
(877)766-8533 (TTY)
(877)888-2520 (Fax)

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

You may also ask to look at any comments received by the FRB and request an announcement of our applications covered by the CRA filed with the FRB.