ࡱ> %` bjbjٕ r( 4 ===h=D6D )`IiLNiNiNij.oqD̴δδδδδδ$h wjjww NiNi4wR Ni Ni̴w̴lD NiI Ai=?{J0)X}  4 r,"ttuIrrrKjrrr)wwww DYiDnFDf iF  Federal Deposit Insurance Corporation Survey of Banks Efforts to Serve the Unbanked & Underbanked Please mark any edits here Bank Name:  FORMTEXT       Bank Holding Company:  FORMTEXT       Assets (as of Dec. 31, 2007)  FORMTEXT       Number of Deposit Branches (as reported on June 30, 2007 Summary of Deposits (Non OTS-supervised institutions) or Branch Office Survey (OTS-supervised institutions)):  FORMTEXT       Full-Service (Brick and Mortar) Offices:  FORMTEXT       Full Service Retail (In-Store) Offices:  FORMTEXT       Limited Service Offices (Drive-thru facilities, mobile or seasonal offices, military facilities):  FORMTEXT       Other offices:  FORMTEXT       Respondent Name:  FORMTEXT       Respondent Title:  FORMTEXT       Address:  FORMTEXT        FORMTEXT        FORMTEXT       Telephone Number:  FORMTEXT      Please return completed survey by June 6th to:  HYPERLINK "mailto:FDICsurvey@doveconsulting.com" FDICsurvey@doveconsulting.com Dove Consulting, 2 Atlantic Ave., Boston, MA 02110 (617) 482-2100 (telephone) / (617) 482-1470 (fax) www.doveconsulting.com PUBLIC BURDEN STATEMENT This survey collects information to fulfill a mandate in Section 7 of the Federal Deposit Insurance Reform Conforming Amendments Act of 2005 (Pub. L, 109-173) that the FDIC conduct ongoing surveys and submit periodic reports to Congress on efforts by insured depository institutions to bring unbanked and underbanked individuals into the conventional finance system. The FDIC believes this survey takes an average 290 minutes per response to complete. Send comments regarding the estimate or any other aspect of this form, including suggestions for reducing completion time, to the Office of Management and Budget, OIRA, Washington, D.C. 20503, or the Paperwork Clearance Officer, FDIC, 550 17th Street, N.W., Washington, D.C. 20429. An agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless it displays a currently valid OMB control number. CONFIDENTIALITY NOTICE Any information you provide will be strictly confidential. Individual responses to the survey will not be shared with the public or the industry. The FDIC will be informed of your banks participation, but your responses will only be used in the aggregate with responses from other banks to ensure the confidentiality of your submission. SURVEY CONTACTS AND ASSISTANCE If you have any questions or concerns about the survey, please call: Ed Bachelder at (617) 753-9223 or FDIC contacts: Barbara A. Ryan, Deputy to the Vice Chairman, (202) 898-3841 Angelisa M. Harris, Senior Community Affairs Specialist, Division of Supervision & Consumer Protection, (202) 898-6645 Yazmin E. Osaki, Special Assistant to the Deputy to the Vice Chairman, (202) 898-6553 SURVEY INSTRUCTIONS Your bank has been selected for the FDIC Survey of Banks Efforts to Serve the Unbanked & Underbanked. The FDIC would appreciate your confidential participation in this important effort. We have provided a few guidelines to help you complete this survey below: Please review all of the survey sections first to best assess the effort and input that your bank will require to complete the survey. FDIC ran a Pilot Test of the survey in November 2007 and most participating banks found that they required the input of several groups or departments within their bank to successfully complete all of the questions. Please provide all responses for your bank on one copy of the survey (either in hard-copy or electronic form). However, if policies, product & service offerings, and/or pricing structures vary significantly across your retail bank operations, please complete a separate survey form for each entity. To limit the effort needed to participate, large banking organizations do not need to fill out more than three surveys. For an electronic MS-Word version of the survey please email Ed Bachelder at  HYPERLINK "mailto:ebachelder@doveconsulting.com" \o "mailto:ebachelder@doveconsulting.com" ebachelder@doveconsulting.com. Please return your completed survey to Dove Consulting in the business reply envelope provided, fax it to 617-482-1470, or email it to  HYPERLINK "mailto:FDICsurvey@doveconsulting.com" FDICsurvey@doveconsulting.com. Important: For additional survey forms or assistance please contact Ed Bachelder at (617) 753-9223 or  HYPERLINK "mailto:ebachelder@doveconsulting.com" ebachelder@doveconsulting.comPlease return your completed survey by June 6th, 2008 SURVEY TERMS & DEFINITIONS TermDefinitionBankAn FDIC-insured financial institution (bank or thrift) Bank FootprintCensus tracts in the banks current CRA evaluation areaConventional Checking AccountChecking, NOW, DDA, MMDADebit CardCard linked to a transaction accountEstablished CustomerAn individual who has had a deposit account for more than 30 daysFull-Service (Brick and Mortar) OfficesSOD office service type code 11 (not reported in the Branch Office Survey (OTS-supervised institutions); see fdic.gov/sod/pdf/SOD_2007_Instructions.pdf)Full-Service Retail (In store) OfficesSOD office service type code 12 (not reported in the Branch Office Survey (OTS-supervised institutions); see fdic.gov/sod/pdf/SOD_2007_Instructions.pdf)Limited Service OfficesSOD office service type codes 22, 23, and 29 (not reported in the Branch Office Survey (OTS-supervised institutions); see fdic.gov/sod/pdf/SOD_2007_Instructions.pdf)Low and Moderate Income (LMI)Low income: Income equal to or less than 50% of the median income of the local metropolitan area (MSA) or appropriately defined rural area Moderate income: Income from 50% to 80% of the median income of the local metropolitan area (MSA) or appropriately defined rural areaNon-CustomerAn individual who does not have a deposit account or credit relationship with your bankNumber of Deposit BranchesAs of June 30, 2007, as reported in the Summary of Deposits (SOD) submitted to the FDIC or in the Branch Office Survey (reported to the OTS by OTS-supervised institutions)Other offices reported on the Summary of DepositsSOD office service type codes 13, 21, and 30 (not reported in the Branch Office Survey (OTS-supervised institutions); see fdic.gov/sod/pdf/SOD_2007_Instructions.pdf)Prepaid CardNot linked to a transaction account. Money can be loaded onto the card. Excludes gift cardsSavings AccountStatement savings, Passbook, Certificates of Deposit, etc.UnbankedIndividuals who do not have an account with a depository institution (a commercial bank, savings institution or credit union) or a transaction account with a money market mutual fund or brokerage firm UnderbankedIndividuals who have a deposit account but also rely on alternative non-bank financial service providers (such as check cashing firms or payday lenders) for transaction or credit services RETAIL BANK INFORMATION Please provide the following information related to consumer accounts/cards as of December 31, 2007: Number of conventional transaction accounts (e.g., checking, DDA, NOW, MMDA):& & & & & & & & & & & & & & & & ..  FORMTEXT       Number of non-transaction savings accounts:& & & & & & & & & & & & &  FORMTEXT       Number of entry deposit accounts* designed for individuals not qualified for conventional accounts:& & & & & & & & & & ...  FORMTEXT       Number of debit cards issued and active:& & & & & & & & & & & & & & ...  FORMTEXT       Number of prepaid cards issued and active:& & & & & & & & & & & & & ...  FORMTEXT       Number of credit cards issued and outstanding:& & & & & & & & & & & &  FORMTEXT       Number of ATMs operated by your bank. Please indicate approximate numbers of ATMs by location and functionality: LocationNumberFunctionalityNumberInside LMI tracts& &  FORMTEXT      Basic cash dispense only& & & & & & & & &  FORMTEXT      Outside LMI tracts& . FORMTEXT      Basic cash dispense and deposit acceptance&  FORMTEXT      Advanced functionality with bill payment and/or automated money order and/or prepaid card& .  FORMTEXT      Total ATMs FORMTEXT      =Total ATMs FORMTEXT       *  Entry deposit accounts may include limited features designed to serve individuals with insufficient financial history or derogatory data in ChexSystems, or similar third-party screen, needed for a conventional transaction account. EDUCATION & OUTREACH Does your bank perceive that there are unbanked or underbanked populations in your market area?  FORMCHECKBOX  Yes  FORMCHECKBOX  No  FORMCHECKBOX  Dont know Does your bank provide financial education materials (i.e. brochures, content on a website, etc.) aimed at the unbanked and/or underbanked on the following topics? Mark all that apply. Financial Education MaterialsFor UnbankedFor UnderbankedBasic Banking (Deposit and Credit Products).  FORMCHECKBOX ... FORMCHECKBOX Predatory /Abusive Lending Prevention  FORMCHECKBOX ... FORMCHECKBOX Savings Programs.  FORMCHECKBOX ... FORMCHECKBOX Home Ownership/Mortgage Products  FORMCHECKBOX ... FORMCHECKBOX Credit Counseling..  FORMCHECKBOX ... FORMCHECKBOX Other (Explain)..  FORMCHECKBOX ... FORMCHECKBOX Bank does not provide financial educational materials for This population (Skip to II.B.3 below)& & & & & & & & & & & & & ..  FORMCHECKBOX & & & & & & & & & & & & ... FORMCHECKBOX Please describe the types of materials provided for: a) Unbanked:  FORMTEXT       b) Underbanked:  FORMTEXT       Have the financial education materials helped to establish banking relationships with: a) Unbanked individuals?............. FORMCHECKBOX  Yes& & ...  FORMCHECKBOX  No& & & .  FORMCHECKBOX  Have not evaluated b) Underbanked individuals?........ FORMCHECKBOX  Yes...  FORMCHECKBOX  No.  FORMCHECKBOX  Have not evaluated Does your bank participate in education or outreach efforts with any organizations that could bring unbanked or underbanked individuals into the conventional banking system and/or reduce the use of non-bank financial services providers for unbanked individuals? Examples may include: employers who use payroll cards, government entities that use electronic benefit transfer (EBT) or prepaid cards, faith-based groups that provide cash assistance, etc.  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, please describe.  FORMTEXT       Does your bank teach (either directly or through a third-party) financial literacy and education sessions, such as classes or workshops, that target unbanked and/or underbanked individuals? Check all that apply.  FORMCHECKBOX  Yes, at bank facilities  FORMCHECKBOX  Yes, at off-premise locations  FORMCHECKBOX  No 1. If yes, for how long has your bank been providing the sessions?  FORMTEXT       Years (Mark 0 if don t know) 2. If yes, mark all types of sessions that your bank provides:  FORMCHECKBOX  Basic Banking (Deposit and Credit Products)  FORMCHECKBOX  Home Ownership/Mortgage Products  FORMCHECKBOX  Predatory /Abusive Lending Prevention  FORMCHECKBOX  Credit Counseling  FORMCHECKBOX  Savings Programs  FORMCHECKBOX  Other:  FORMTEXT       Did your bank conduct off-premise financial education outreach visits targeted toward the unbanked or underbanked during calendar year 2007?  FORMCHECKBOX  Yes  FORMCHECKBOX  No Please indicate which locations your bank has visited for outreach sessions:  FORMCHECKBOX  High Schools  FORMCHECKBOX  Employer Sites  FORMCHECKBOX  Public Gatherings/Fairs  FORMCHECKBOX  Local/State Government Sites  FORMCHECKBOX  Communitybased Organizations  FORMCHECKBOX  Vocational Schools/Colleges  FORMCHECKBOX  Military Installations  FORMCHECKBOX  Other:  FORMTEXT       Does the bank work with corporate or business customers to provide services for their unbanked employees?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, does the bank offer payroll cards?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, how many payroll cards has the bank issued during the year 2007?  FORMTEXT       Describe the features and fees associated with this card (if any).  FORMTEXT       Does the bank use targeted marketing (e.g., meetings with large employers, mailings, etc.) to reach unbanked and/or underbanked individuals?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, are there particular segments of the unbanked and/or underbanked population your bank is targeting?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, which segments? Mark all that apply.  FORMCHECKBOX  Working poor  FORMCHECKBOX  Consumers on public assistance  FORMCHECKBOX  Post disaster assistance FORMCHECKBOX  Urban residents  FORMCHECKBOX  Rural residents  FORMCHECKBOX  Immigrants  FORMCHECKBOX  African-Americans  FORMCHECKBOX  Hispanic-Americans  FORMCHECKBOX  Asian-Americans FORMCHECKBOX  Other:  FORMTEXT      Does the bank have any other outreach and education programs to encourage unbanked or underbanked consumers to open an account?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, please describe.  FORMTEXT       What are the three most effective types of financial education, outreach, and marketing programs that your bank has used to help establish account relationships with unbanked and/or underbanked individuals? Please rank 1 to 3, where 1 = most effective, 2 = second most effective, and 3 = third most effective. RankingProgramsAdvantages/Disadvantages FORMDROPDOWN Financial Education Materials FORMTEXT       FORMDROPDOWN Providing Financial Education Sessions FORMTEXT       FORMDROPDOWN Outreach Visits  FORMTEXT       FORMDROPDOWN Participation in Other Organizations FORMTEXT       FORMDROPDOWN Targeted Marketing  FORMTEXT       FORMDROPDOWN Other:  FORMTEXT       FORMTEXT       Has your bank identified expanding services to unbanked and underbanked individuals in your market area as a priority in your bank s business strategy?  FORMCHECKBOX  Yes  FORMCHECKBOX  No  FORMCHECKBOX  Dont know Has your bank conducted research on unbanked or underbanked consumers in your CRA assessment area?  FORMCHECKBOX  Yes  FORMCHECKBOX  No  FORMCHECKBOX  Dont know If yes, please summarize this research.  FORMTEXT       What are three activities that banks could do, in general, that would be most effective in bringing unbanked individuals and families into the conventional banking system?  FORMTEXT        FORMTEXT        FORMTEXT       What challenges does your organization face in serving or targeting unbanked and underbanked individuals? Please rank order by importance, where 1 = greatest challenge, 2 = second greatest challenge, etc.  FORMDROPDOWN  Profitability issues  FORMDROPDOWN  Competition from alternative service providers  FORMDROPDOWN  Unfamiliar with this population  FORMDROPDOWN  High cost of customer acquisition  FORMDROPDOWN  Internal challenges  FORMDROPDOWN  Regulatory barriers related to customer identification  FORMDROPDOWN  Fraud concerns  FORMDROPDOWN  Other:  FORMTEXT       Does your bank perceive any regulatory impediments to providing/developing specialized products and services for unbanked or underbanked consumers?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, please describe.  FORMTEXT       RETAIL BRANCH INFORMATION Does your bank offer extended, non-traditional evening and/or weekend hours at any of your bank s locations?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, check all that apply, and indicate typical hours: Branch TypeExtended Weekday Evening Hours (After 5 pm)Saturday Afternoon Hours (After 1 pm)Sunday HoursFull Service Brick and Mortar Branches FORMCHECKBOX  Until  FORMTEXT       pm FORMCHECKBOX  Until  FORMTEXT       pm FORMCHECKBOX  Hours  FORMTEXT       to  FORMTEXT      Full Service Retail (In-store) Branches FORMCHECKBOX  Until  FORMTEXT       pm FORMCHECKBOX  Until  FORMTEXT       pm FORMCHECKBOX  Hours  FORMTEXT       to  FORMTEXT      Limited Service Branches FORMCHECKBOX  Until  FORMTEXT       pm FORMCHECKBOX  Until  FORMTEXT       pm FORMCHECKBOX  Hours  FORMTEXT       to  FORMTEXT      What languages, other than English, does your branch staff use to interact with customers?  FORMCHECKBOX  Spanish  FORMCHECKBOX  Chinese  FORMCHECKBOX  Vietnamese  FORMCHECKBOX  Korean  FORMCHECKBOX  Tagalog  FORMCHECKBOX  Other:  FORMTEXT       Has the bank modified its retail operations over the past five years to make it easier or more welcoming or convenient for unbanked or underbanked consumers to take advantage of its services?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, which approaches has the bank pursued? (Check all that apply)  FORMCHECKBOX  Extended banking hours  FORMCHECKBOX  Non-traditional locations (community centers, supermarkets, etc.)  FORMCHECKBOX  New branch located in LMI area  FORMCHECKBOX  Innovative branch formats/designs (e.g. more casual lobby dcor)  FORMCHECKBOX  Internet or mobile banking  FORMCHECKBOX  External ATMs (walk-up and through the wall)  FORMCHECKBOX  Off-Premise ATMs  FORMCHECKBOX  Other:  FORMTEXT       If yes, please describe what you have done.  FORMTEXT       Please indicate efforts your bank makes as part of its branch strategy to serve the unbanked and underbanked in your market areas:  FORMCHECKBOX  Check cashing  FORMCHECKBOX  Money orders  FORMCHECKBOX  Kiosks for check cashing  FORMCHECKBOX  Bill payment services  FORMCHECKBOX  Prepaid card issuance and reloading  FORMCHECKBOX  Other:  FORMTEXT       SERVICES PROVIDED TO NON-CUSTOMERS If an individual does not have an account relationship with the bank, will the bank typically cash the following types of checks? Type of CheckCash Check for Non-Customer?If Yes:Is a Fee Charged?Typical fee per check cashed by non-customers Please indicate either a fixed dollar amount or percentage of face value Business check drawn on your bank (On-us) FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT      Personal check drawn on your bank (On-us) FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT      Business check not drawn on your bank (Local) FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT      Payroll check not drawn on your bank (Local) FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT      Personal check not drawn on your bank (Local) FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT      Government check FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT      Double endorsed check from a third-party  FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT      Please describe the bank s concerns which may have led to limitations on transactions for non-customers.  FORMTEXT       Does the training provided to the bank s tellers and other customer service representatives include strategies for reaching out to unbanked or underbanked consumers (e.g., encouraging individuals who do not have a transaction or savings account who are cashing paychecks to open an account)?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, please describe.  FORMTEXT       What forms of consumer identification or validation does the bank rely on for individuals who do not have an account relationship to cash a check? Identification FormsNot Accepted as ID for check cashing Primary: Sufficient alone by itselfSecondary: Insufficient alone but acceptable with another secondary IDDrivers license  FORMCHECKBOX  FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  NoState-issued photo ID FORMCHECKBOX  FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  NoSocial Security number FORMCHECKBOX  FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  NoPassport (US. or foreign) FORMCHECKBOX  FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  NoMilitary ID FORMCHECKBOX  FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  NoStudent/school ID card FORMCHECKBOX  FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  NoEmployer letters/pay stub FORMCHECKBOX  FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  NoMatrcula consular FORMCHECKBOX  FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  NoUtility bills/payments  FORMCHECKBOX  FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  NoHousing lease  FORMCHECKBOX  FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  NoIndividual Taxpayer Identification Number (ITIN) FORMCHECKBOX  FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  NoOther:  FORMTEXT       FORMCHECKBOX  FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMCHECKBOX  Yes  FORMCHECKBOX  No Does the bank issue check cashing cards to individuals who do not have an account relationship?  FORMCHECKBOX  Yes  FORMCHECKBOX  No Which of the following techniques or technology does your bank use to verify the identity of individuals who do not have an account relationship for check cashing?  FORMCHECKBOX  Fingerprinting  FORMCHECKBOX  Biometrics  FORMCHECKBOX  None  FORMCHECKBOX  Other:  FORMTEXT       Which of the following transaction products/services does the bank offer to individuals who do not have an account relationship with your bank, and what would the fees be if they were customers with established deposit accounts? Product/ServiceOffer for Non-Deposit Customers?For a Non-CustomerFor CustomerIf a fixed fee is charged per item please indicate the typical fee If a fee is a percentage of the dollar amount, please indicate the typical percentage rate If a fixed fee is charged per item please indicate the typical fee If a fee is a percentage of the dollar amount, please indicate the typical percentage rate Bank/official checks FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT       FORMTEXT      % FORMTEXT       FORMTEXT      %Money orders FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT       FORMTEXT      % FORMTEXT       FORMTEXT      %Domestic wire transfers FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT       FORMTEXT      % FORMTEXT       FORMTEXT      %International remittances (not ACH) FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT       FORMTEXT      % FORMTEXT       FORMTEXT      %International ACH transfers FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT       FORMTEXT      % FORMTEXT       FORMTEXT      %Foreign currency exchange FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT       FORMTEXT      % FORMTEXT       FORMTEXT      %Bill payment (e.g., utility) FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT       FORMTEXT      % FORMTEXT       FORMTEXT      %Reloadable prepaid debit cards (Visa, MasterCard, etc.) FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT       FORMTEXT      % FORMTEXT       FORMTEXT      %For any of the services above, does your bank offer lower prices for customers as an incentive to open an account?  FORMCHECKBOX  Yes  FORMCHECKBOX  No Is your bank concerned about offering remittances due to regulatory requirements?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, please describe any regulatory concerns you may have in offering this product.  FORMTEXT       ACCOUNT OPENING & ONBOARDING PROCESS FOR NEW CUSTOMERS What forms of government-issued identification does the bank accept as part of the new account opening process?  FORMCHECKBOX  Driver s license  FORMCHECKBOX  US or Foreign Passport  FORMCHECKBOX  Social Security number  FORMCHECKBOX  Matricula consular  FORMCHECKBOX  State-issued ID card  FORMCHECKBOX  ITIN  FORMCHECKBOX  Military ID  FORMCHECKBOX  Other:  FORMTEXT       Which, if any, of the following alternative sources of information does the bank accept to verify a prospective deposit customers identity?  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Checking account:& & & & &  FORMCHECKBOX  Yes& & .  FORMCHECKBOX  No Savings account:& & & & & .. FORMCHECKBOX  Yes& & .  FORMCHECKBOX  No If an applicant screening process returns a negative hit, what is the bank s policy regarding account opening/overrides?  FORMCHECKBOX  Application is automatically rejected  FORMCHECKBOX  Account opening decision is made at the discretion of the new account representative  FORMCHECKBOX  Account opening decision is made at the discretion of the branch manager  FORMCHECKBOX  Application is submitted to a centralized back office for review  FORMCHECKBOX  Other:  FORMTEXT       Does the bank use credit report or bureau scores as part of its screening process for new checking accounts?  FORMCHECKBOX  Yes  FORMCHECKBOX  No What are the top three most common reasons that a new account application is declined? Please rank the three most common reasons 1 to 3, where 1 = the most common reason, 2 = the second most common reason, and 3 = the third most common reason.  FORMDROPDOWN  Insufficient identification information  FORMDROPDOWN  Negative account screening hit due to prior account closure or mismanagement  FORMDROPDOWN  Negative account screening hit due to potential fraud alert  FORMDROPDOWN  No credit score/Insufficient credit history  FORMDROPDOWN  Low credit score/ or poor credit record/credit history  FORMDROPDOWN  Insufficient initial deposit  FORMDROPDOWN  Other 1:  FORMTEXT        FORMDROPDOWN  Other 2:  FORMTEXT       If a new account applicant does not qualify for a conventional checking account, does the bank offer any entry deposit accounts designed for individuals not qualified for conventional accounts that can serve as a  stepping stone account (e.g., an account with debit card access but no check writing)?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, please describe the alternative account(s) offered. Include information related to products, transaction restrictions, fees, etc. If possible, please include a copy of the product description or marketing brochure for any alternative accounts Account A:  FORMTEXT       Date Introduced:  FORMTEXT        FORMTEXT       Account B:  FORMTEXT       Date Introduced:  FORMTEXT        FORMTEXT       Account C:  FORMTEXT       Date Introduced:  FORMTEXT        FORMTEXT       DEPOSIT PRODUCTS Does the bank s most basic or entry level checking account have a minimum balance requirement?  FORMCHECKBOX  Yes  FORMCHECKBOX  No, but only with direct deposit  FORMCHECKBOX  No If minimum balance is required, what is the minimum balance? $ FORMTEXT       with direct deposit / $ FORMTEXT       without direct deposit If minimum balance is not required, what other fees apply? $ FORMTEXT       with direct deposit / $ FORMTEXT       without direct deposit For the most basic transaction deposit account, what payment options are included/available? ProductIncluded at No CostAvailable for a FeeNot OfferedMonthly Fee (if applicable)Per-Transaction Fee (if applicable)Check writing FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX $  FORMTEXT      $  FORMTEXT      ATM card (PIN-only) FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX $  FORMTEXT      $  FORMTEXT      Debit card signature (Visa/MasterCard) FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX $  FORMTEXT      $  FORMTEXT      Online bill payment FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX $  FORMTEXT      $  FORMTEXT      Does the bank charge a per-item NSF fee on its most basic (lowest cost) transaction account?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, what is the standard or typical NSF fee for this account? $  FORMTEXT       Does the bank offer any programs to cover or waive NSF items on this account?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, please describe:  FORMTEXT       Does the bank offer  alerts to notify customers with these accounts of low balances or NSF transactions on this account?  FORMCHECKBOX  Yes  FORMCHECKBOX  No Will the bank automatically close this account if a threshold number of NSF items are reached or there is a persistent negative balance?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, what is the monthly threshold?  FORMTEXT      /month SAVINGS ACCOUNTS For savings accounts with balances of $500 or less, which, if any, of the following accounts are offered and what are the interest rates paid on the accounts? Product/ServiceOffer for Customer?Interest Rate Offered (as of Dec. 31, 2007)Basic Savings (non-transactional) FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT      %Individual Development Accounts FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT      %IRS VITA Program (direct deposit or split refund) FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT      %Money Market Deposit Accounts FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT      %Specialized Savings Clubs FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT      %Workplace-based Programs FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT      %Other (please describe):  FORMTEXT       FORMCHECKBOX  Yes  FORMCHECKBOX  No FORMTEXT      %Does the bank partner with organizations (e.g., by operating a high school branch or employer location) to promote savings products?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, please describe:  FORMTEXT       PAYMENT PRODUCTS How soon (in terms of number of business days), beyond the $100 specified by Reg. CC, are funds ordinarily available for an established customer who presents the following items? Check value is $2,500 or lessCurrent Business DayNext Business DaySecond Business DayThree or More Business DaysBusiness check drawn on your bank (On-us) FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX Personal check drawn on your bank (On-us) FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX Payroll check not drawn on your bank (Local) FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX Business check not drawn on your bank (Local) FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX Personal check not drawn on your bank (Local) FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX Government check  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX Double endorsed check from a third-party  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX  FORMCHECKBOX Can a customer get an  advance loan on the funds from a deposited check or a regularly scheduled direct deposit (excluding all programs to cover overdrafts and NSF transactions)?  FORMCHECKBOX  Yes, accelerated availability of deposited check  FORMCHECKBOX  Yes, advance for a scheduled direct deposit  FORMCHECKBOX  No Up to what dollar or percentage amount will the bank typically advance? $ FORMTEXT       or  FORMTEXT      % What fee is charged for the advance? $ FORMTEXT       flat advance fee or  FORMTEXT      % of the amount advanced. What types of checks/deposits qualify for advances?  FORMCHECKBOX  All checks  FORMCHECKBOX  Business checks, but not personal checks  FORMCHECKBOX  Government checks  FORMCHECKBOX  Payroll checks only  FORMCHECKBOX  Regularly scheduled direct deposits  FORMCHECKBOX  Other:  FORMTEXT       CREDIT PRODUCTS Does the bank typically offer unsecured closed-end personal loans up to $5,000?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, what are the eligibility requirements?  FORMCHECKBOX  Deposit relationship with the bank  FORMCHECKBOX  Direct deposit  FORMCHECKBOX  Proof of income  FORMCHECKBOX  Minimum credit score  FORMCHECKBOX  Review credit history  FORMCHECKBOX  Other:  FORMTEXT       If yes, please indicate the following: Minimum Loan SizeMaximum Loan SizeOrigination FeeAcct. Maintenance FeeMinimum APRMaximum APRTypical APRMaximum Term (Mos) FORMTEXT       FORMTEXT       FORMTEXT       FORMTEXT       FORMTEXT      % FORMTEXT      % FORMTEXT      % FORMTEXT      How long does it typically take to originate an unsecured closed-end personal loan?  FORMCHECKBOX  Less than 30 minutes  FORMCHECKBOX  Less than 24 hours  FORMCHECKBOX  Less than 48 hours  FORMCHECKBOX  More than 48 hours Does the bank offer affordable small dollar loans (i.e., less than $1,000/at least a 90-day repayment term/less than 36% APR/no or low fees)?  FORMCHECKBOX  Yes  FORMCHECKBOX  No Please describe any innovative products the bank has developed to provide small dollar loans to customers. (For example, applying for a six-month loan at an ATM.)  FORMTEXT       Does the bank offer tax refund anticipation loans?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, please indicate the following: Minimum Loan SizeMaximum Loan SizeOrigination FeeAcct. Maintenance FeeMinimum APRMaximum APRTypical APRMaximum Term (Mos) FORMTEXT       FORMTEXT       FORMTEXT       FORMTEXT       FORMTEXT      % FORMTEXT      % FORMTEXT      % FORMTEXT       Does the bank offer consumer credit cards (e.g. Visa, MasterCard)?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, what is required for someone to qualify for a traditional credit card? (Check all that apply)  FORMCHECKBOX Social Security number  FORMCHECKBOX  Minimum credit score  FORMCHECKBOX  Review of credit history  FORMCHECKBOX Proof of income  FORMCHECKBOX  Other:  FORMTEXT       If yes, for your  basic credit card, please indicate the following: Initiation FeeAnnual FeeAcct. Maintenance FeeLate Payment FeeOver the Limit FeeTypical Credit LimitMinimum APRMaximum APRTypical APRMaximum Term (Months) FORMTEXT       FORMTEXT       FORMTEXT       FORMTEXT       FORMTEXT       FORMTEXT       FORMTEXT      % FORMTEXT      % FORMTEXT      % FORMTEXT      Does having a deposit account with the bank improve a customer s ability to receive a credit card?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, how?  FORMTEXT       Does the bank offer secured credit cards for established customers who do not qualify for a traditional credit card?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, please indicate the following: Minimum Credit ScoreInitiation FeeAnnual FeeAcct. Maintenance FeeLate Payment FeeOver the Limit FeeTypical Credit LimitMinimum APRMaximum APRTypical APR FORMTEXT       FORMTEXT       FORMTEXT       FORMTEXT       FORMTEXT       FORMTEXT       FORMTEXT       FORMTEXT      % FORMTEXT      % FORMTEXT      %Can a cardholder  graduate from a secured credit card to a traditional credit card?  FORMCHECKBOX  Yes  FORMCHECKBOX  No If yes, how?  FORMTEXT       Thank you for taking the time to complete this survey. We appreciate your participation and input. Please return completed survey by June 6th to:  HYPERLINK "mailto:FDICsurvey@doveconsulting.com" FDICsurvey@doveconsulting.com Dove Consulting, 2 Atlantic Ave., Boston, MA 02110 (617) 482-2100 (telephone) / (617) 482-1470 (fax) www.doveconsulting.com     OMB No.: 3064-0158 __________________________________________________________________________________________________________________________________________Expiration Date: 03-31-2011 _________________________________________________________________________________________________________________________________________________________________ FDIC 8200/01(3-08) Page  PAGE 3 OMB No.: 3064-0158 __________________________________________________________________________________________________________________________________________Expiration Date: 03-31-2011 _________________________________________________________________________________________________________________________________________________________________ FDIC 8200/01(3-08) Page  PAGE 1 OMB No.: 3064-0158 Expiration Date: 03-31-2011 FDIC 8200/01(3-08) Page  PAGE 20 OMB No.: 3064-0158 Expiration Date: 03-31-2011 STRICTLY CONFIDENTIAL. Responses to the survey will not be shared with the public or the industry. Responses will be aggregated to ensure confidentiality. OMB No.: 3064-0158 Expiration Date: 03-31-2011 STRICTLY CONFIDENTIAL. Responses to the survey will not be shared with the public or the industry. Responses will be aggregated to ensure confidentiality. 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