Coldwater Canyon is committed to serving the credit needs of all communities in which we do business. It is our policy to respond to all applicants for credit without any regard to their race, color, creed, national origin or ancestry, sex or sexual orientation, marital or familial status, age (so long as the borrower has the ability to enter into a binding contract), the fact that a borrower's income is derived from any public assistance program or separate maintenance program, the fact that the applicant has in good faith exercised any of its rights under the Consumer Protection Act or any state law exempted by the Federal Reserve Board.