Community Reinvestment Act Public Notice

Under the Federal Community Reinvestment Act (CRA), the Federal Reserve Board (“Board”) evaluates our records of helping to meet the credit needs of this area consistent with safe and sound operations. Thie Board also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA. You may review today the public section of our most recent CRA evaluation, prepared by the Federal Reserve Branch of St. Louis, P.O. Box 442, St. Louis, Missouri 63166, and a list of services provided at this branch. You may also have access to the following additional information, which we will make available to you at this branch within five calendar days after you make a request to us: (1) a map showing the assessment area containing this branch, which is the area in which the Board evaluates our CRA performance in this community; (2) information about our branches in this assessment area; (3) a list of services we provide at those locations; (4) data on our lending performance in this assessment area; and (5) copies of all written comments received by us that specifically relate to our CRA performance in this assessment area, and any responses we have made to those comments. If we are operating under an approved strategic plan, you may also have access to a copy of the plan. If you would like to review information about our CRA performance in other communities served by us, the public file for our entire bank is available at the main office of Evolve Bank & Trust located at 301 Shoppingway Blvd, West Memphis, Arkansas 72301. At least 30 days before the beginning of each quarter, the Federal Reserve System publishes a nationwide list of the banks that are scheduled for CRA examinations in that quarter. This list is available from the Regional Manager, Division of Compliance and Consumer Affairs, Federal Reserve Branch of St. Louis, P.O. Box 442, St. Louis, Missouri 63166. You may send written comments about our performance in helping to meet community credit needs to: Compliance, Evolve Bank & Trust, 6000 Poplar Ave, Suite 300, Memphis, Tennessee 38119 and to the Federal Reserve Bank’s Regional Manager at the Federal Reserve Branch of St. Louis, P.O. Box 442, St. Louis, Missouri 63133. Your letter, together with any response by us, will be considered by the Federal Reserve Branch in evaluating our CRA performance and may be made public. You may ask to look at any comments received by the Reserve Bank. You may also request from the Reserve Branch an announcement of our applications covered by the CRA filed with the Reserve Bank. We are an affiliate of Evolve Financial, a bank holding company. You may request from the Federal Reserve Branch of St. Louis, P.O. Box 442, St. Louis, Missouri 63166, an announcement of applications covered by the CRA filed by bank holding companies.