LINKS Carnall Insurance, Inc. Carnall Insurance, Inc., a Fairfield County Bank Company and a local full-service insurance agency, represents many of the industry's most reputable and innovative insurance carriers. A complete portfolio of products including personal, business, life and health insurance is available through Carnall.* Fannie Mae America's largest supplier of conventional home mortgage funds, the nation's sixth largest corporation in terms of assets, and, generally, the largest issuer of debt in the United States. Freddie Mac Stockholder-owned corporation chartered by Congress in 1970 to create a continuous flow of funds to mortgage lenders. FHA The Federal Housing Administration (FHA), a wholly owned government corporation, was established under the National Housing Act of 1934 to improve housing standards and conditions; to provide an adequate home financing system through insurance of mortgages; and to stabilize the mortgage market. FHA was consolidated into the newly established Department of Housing and Urban Development (HUD) in 1965. Since 1934, FHA has been extremely successful in achieving these goals. CHFA Since 1969, the Connecticut Housing Finance Authority (CHFA) has been a leader in housing finance in Connecticut. CHFA offers low rate mortgages to assist low and moderate income families and individuals in purchasing a home. VA The official homepage for the Department of Veterans Affairs AARP AARP is a nonprofit, nonpartisan membership organization for people 50 and over. It provides information and resources; advocates on legislative, consumer, and legal issues; assists members to serve their communities; and offers a wide range of unique benefits, special products, and services for its members. The site is a source for consumer information on Reverse Mortgages. National Reverse Mortgage Lenders Association NRMLA is a national nonprofit trade organization that provides consumer information on reverse mortgages. National Center for Home Equity Conversion This nonprofit organization is a source of consumer information on reverse mortgages

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*Carnall Insurance, Inc. is a wholly-owned subsidiary of Fairfield County Bank.  Insurance products are not deposits of or other obligations of, or guaranteed by, the Bank or an affiliate of the Bank, are not insured by the FDIC or any other agency of the United States, the Bank or an affiliate of the Bank and, in the case of an insurance product or annuity that involves investment risk, there is investment risk associated with the product, including the possible loss of value.

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