Credit Denial Disclosure

If credit is not extended for any reason, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact Emigrant Funding Corp., 6 East 43rd Street, 10th Floor, New York, NY 10017 within 60 days from the date you are notified of your decision. We will send you a written statement of reasons for the denial within 30 days of receiving your request.

Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); or because all or part of the applicant's income derives from any public assistance 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:

FDIC Consumer Response Center

1100 Walnut Street, Box #11
Kansas City, Missouri 64106

You have the right to a copy of the appraisal report used in connection with your application for credit. If you wish to obtain a copy, please write to us at the mailing address we have provided.

If you have any questions regarding this application, please call 212-850-4880.

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