Targeted Area Definition and Qualified Census Tracts

1 Targeted area Definition and Qualified Census Tracts Targeted area means that part of the Eligible Loan area that has been or may be designated from time to time as a Qualified Census tract or an area of chronic economic distress in accordance with section 143(j)(3) of the IRS Code or as a Qualified Census tract in accordance with section 143(i)(2) of the IRS Code. Below are the listings, by county, of Census tract numbers that would indicate that a property is located in a target area . INSTUCTIONS ON HOW TO DETERMINE IF A SPECIFIC PROPERTY IS LOACATED IN A Targeted area . 1. You must have a complete property address, 1005 Congress Avenue, Austin, Texas 78701. 2. You must access the Federal Financial Institutions Examination Council's ( FFIEC ) Web site at 3.

2 Type in the property information, hit search. 4. You will see the Geocode Search Results, as shown in the example below. Geocode Search Result for 2014 HMDA/CRA Reporting Street Address 1005 CONGRESS AVE MSA/MD Code 12420 City Name AUSTIN State Code 48 State Abbreviation TX County Code 453 Zip Code 78701 tract Code MSA/MD Name: AUSTIN ROUND ROCK, TX State Name: TEXAS County Name: TRAVIS COUNTY 5. Check the tract Code with the Qualified Census tract number (below), listed by county. 6. If the tract Code IS listed, then it is a Targeted area . 7. If the tract Code IS NOT listed, then it is a Non Targeted area . Qualified Census Tracts / Targeted Areas Atascosa Bell Bexar Bowie Brazos Brown Cameron Castro Cherokee Collin Census Tracts / Targeted Areas Coryell Dallas Dawson Denton Dimmit Ector El Paso

3 Ellis Falls Fort Bend Galveston Gray Grayson Census Tracts / Targeted Areas Gregg Guadalupe Hale Harris Harrison Hays Hidalgo Hill Houston Hudspeth Hunt Hutchinson Jasper Census Tracts / Targeted Areas Jefferson Johnson Karnes Kaufman Lamar Lamb Lubbock Maverick McLennan Midland Census Tracts / Targeted Areas Montgomery Nacogdoches Nueces Palo Pinto Polk Potter Robertson San Augustine San Patricio Shelby Smith Census Tracts / Targeted Areas Starr Tarrant Taylor Terry Titus Tom Green Travis Val Verde Census Tracts / Targeted Areas Victoria

4 Walker Webb Wichita Willacy Zapata Zavala