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Columbia Bank does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or 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. For loans to be secured by residential real estate, Columbia Bank also does not discriminate on the basis of familial status (having one or more children under the age of 18 living in the dwelling) or on the basis of handicap. We also do not discriminate on the basis of the age or location of the dwelling. Any individual has the right to file a written credit application with Columbia Bank.