We are requesting the following information to monitor our compliance
with the federal Equal Credit Opportunity Act, which prohibits unlawful
discrimination. You are not required to provide this information. We will not
take this information (or your decision not to provide this information) into
account in connection with your application or credit transaction. The law
provides that a creditor may not discriminate based on this information, or
based on whether or not you choose to provide it. [If you choose not to
provide the information, we will note it by visual observation or
surname].
