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STATEMENT OF CREDIT DENIAL, t4%1 national bank of South Bend Mr. Nick C. Kowalski 1802 Weizwinski St. South Bend, IN 46628 Dear Mr. Kowalski: TERMINATION OR CHANGE DATE January 4 is 82 The Federal Equal Credit Opportunity Act pro- hibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assis- tance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this creditor is: COMPTROLLER OF THE CURRENCY Consumer Affairs Division Washington, D.C. 20219 Your Application for (Description of account, transaction or requested credit): d" viol 1 d creclit in tt, of $12 Ono no and to he carer d by a mo gage an property 1 r te' at 1809 Idpizwinqki SQ. Ben, ;IN Your Application was requested by dealer (Name. Address) has been acted upon (Description of adverse action taken): and denied for the fQ11owjng.rPaSQn- PRINCIPAL REASONS) FOR ADVERSE ACTION CONCERNING CREDIT: ❑ Credit application incomplete. ❑ Insufficient credit references. • Unable to verify credit references. • Temporary or irregular employment. • Unable to verify employment. ❑ Length of employment. ❑ Insufficient income. ❑ Excessive obligations. ❑ Unable to verify income. • Inadequate collateral. • We do not grant credit to any applicant on the terms and conditions you request. • Too short a period of residence. • Temporary residence. • Unable to verify residence. ❑ No credit file. ❑ Insufficient credit file. • Delinquent credit obligations. • Garnishment, attachment, foreclosure, repossession, or suit. • Bankruptcy. Other, specify: National Bank cannot take a conventional residential mortgage on property that is zoned "1-Qht industrial." DISCLOSURE OF USE OF INFORMATION OBTAINED FROM AN OUTSIDE SOURCE Disclosure inapplicable. ❑ Information obtained in a report from a consumer re porting agency. Name: Street Address: Phone: ❑ Information obtained from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, within 60 days of receipt of this notice, for disclosure of the nature of the adverse Information. Nati r c & TY(st Co. of South Bend IP d(pg¢t �N�r s 1, address) r�CJ Addre112 W. Jeffe son Blvd. SB,IN 46601 Telephone No. 219- 237 -3380