We have included the following "Compliance Tools" for easy reference. Each document is in the Adobe .pdf format. Adobe Acrobat Reader is available as a free download from  www.adobe.com.

1. CIP Quick Reference Chart - Countries of Concern
2. CTR Review Checklist
3. HMDA Reportable Or Not?
4. Reg E Error Resolution Flowchart
5. Reg CC Hold Periods 2007 with Expiration
6. Reg CC Hold Periods 2007 without Expiration
7. Reg CC Hold Periods 2008 with Expiration
8. Reg CC Hold Periods 2008 without Expiration
9. Reg CC Quick Reference Chart - 2006
10. USA PATRIOT Act 314(a) Information Requests
11. Transaction Limitations for Savings and MMDA Accounts
12. HMDA LAR Quick Reference
13. Anti-Money Laundering Training Guides
14. South Carolina Account Ownership Matrix
15. North Carolina Account Ownership Matrix
16. Customer Identification Procedures
17. CIP Department Questionnaire
18. CIP Acceptable ID Documents
19. CIP Procedures Quick Reference Guide

20. CIP Verification Documents

    A. Verification Requirements

    B. Recommended Account Restrictions

    C. Identification Verification Recommendations

21. Sample CIP Disclosures

22. CIP Processing Flowcharts

    A. Adobe Format

    B. PowerPoint Format

23. Sample Notarized Document
24. MSB Questionnaire
25. MSB Risk Assessment
26. BSA AML Overall Bank Risk Assessment
27. Commercial Customer Due Diligence Questionnaire
28. Commercial Customer Due Diligence Risk Assessment
29. OFAC Overall Bank Risk Assessment
30. Reg Z Right of Rescission Calendar 2007
31. BSA-AML Task List
32. Personal Customer Risk Assessment