Denial Rights Notice
If your gross revenues for the prior year were less than $1 million and Tandem Bank (the “Bank”) denies your
application for credit, you have the right to a written statement of the specific reasons for the denial. To obtain the
statement within 60 days from the date you are notified of the Bank’s decision, please contact: Tandem Bank, 2356
Main Street, Tucker, GA 30084. The Bank will send you a written statement of reasons for the denial within 30 days of
receiving your request for the statement.
Equal Credit Opportunity Notice
The Federal Equal Credit Opportunity Act prohibits creditor from discriminating against credit applications on the
basis of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter
into a binding contract): because all or a 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 Tandem Bank is: FDIC Consumer Response Center, 1100
Walnut Street Box #11, Kansas City, MO 64106.
Right to Receive Copy of Appraisal Notice
If applicable, Tandem Bank may order an appraisal to determine the property’s value and charge you for the appraisal.
The Bank will promptly give you a copy of any appraisal, even if your loan does not close. You can pay for an additional
appraisal for your own use at your own cost.
Loan Electronic Communication Disclosure
The Electronic Communication Disclosure applies to the loan the you have requested. Communication means any
authorization, agreement, disclosure, notice, or other information related to your loan, including but not limited to
information that we are required by law to provide to you in writing. Please click on above link to review.
