Community Reinvestment Act Notice

Under the Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) and the Massachusetts Commissioner of Banks (Commissioner) evaluate our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC and the Commissioner also takes this record into account when deciding on certain applications submitted by Enterprise Bank.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA. You may review on this site the public section of our most recent CRA evaluations prepared by the FDIC and the Commissioner and a list of services we offer. You may also have access to the following additional information which we will make available to you within five calendar days after you make a request to us: (1) a map showing the Bank's assessment areas which are the areas in which the FDIC and the Commissioner evaluate our CRA performance (2) data on our lending performance in these assessment areas; and (3) copies of all written comments received by us that specifically relate to our CRA performance in our assessment areas 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.

At least 30 days before the beginning of each quarter, the FDIC and the Commissioner publish lists of the banks that are scheduled for CRA examination by the FDIC and the Commissioner in that quarter. These lists are available from the New York Regional Director of the FDIC, Division of Supervision and Consumer Protection, 350 Fifth Avenue, Suite 1200, New York, New York, 10118 and the Massachusetts Commissioner of Banks at 1000 Washington Street, 10th Floor, Boston, Massachusetts 02118-6400. You may send written comments about our performance in helping to meet community needs to Laura Feeney, CRA Officer, Enterprise Bank, 222 Merrimack Street, Lowell, Massachusetts, 01852, to the New York Regional Director of the FDIC , Division of Supervision and Consumer Protection, 350 Fifth Avenue, Suite 1200, New York, New York, 10118 and to the Massachusetts Commissioner of Banks at 1000 Washington Street, 10th Floor, Boston, Massachusetts, 02118-6400. You may also submit comments electronically through the FDIC’s Web site at www.fdic.gov.regulations.cra. Your letter, together with any response by us, will be considered by the FDIC and the Commissioner in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Director and the Commissioner. You may also request from the FDIC Regional Director and the Commissioner an announcement of our applications covered by the CRA filed with the FDIC and the Commissioner. We are an affiliate of Enterprise Bancorp, Inc., a bank holding company. You may request from the Federal Reserve Bank of Boston, 600 Atlantic Avenue, Boston, Massachusetts, 02106, an announcement of applications covered by the CRA filed by bank holding companies.