/creditun

TRIBUNE CREDIT UNION

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Credit Application

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Book #_______

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Note #______

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Date___________

Married Applicants may apply for a separate account. Check the appropriate box to indicate Individual Credit or Joint Credit. Individual Credit: Complete Applicant section.

Complete Co-applicant, Spouse, Guarantor (referred to as "Other") section: (1) about your spouse if you live in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI), or (2) if your spouse will use the Account. Please check the box to indicate whom the information is about. Joint Credit: Provide information about both of you by completing Applicant and Other section.

You REQUEST AN ADVANCE OF $____________________ Purpose: ______________ For a period of: _________ Installments of: _______________ Collateral: __________________________________________________________ Repayment: Payroll Deduction Cash Automatic Payment Military Allotment Check coverage if desired. The credit union will disclose the cost of this voluntary insurance to you. A separate [] Credit Disability Insurance insurance election which discloses the terms and conditions must be signed for coverage to become effective.

APPLICANT

[]CO-APPLICANT []SPOUSE []GUARANTOR

Please print in ink or type NAME (Last - First - Initial)

Please print in ink or type NAME (Last - First - Initial)

DRIVER’S LICENSE NUMBER/STATE

DRIVER’S LICENSE NUMBER/STATE

ACCOUNT NUMBER

ACCOUNT NUMBER

BIRTH DATE

SOCIAL SECURITY NUMBER

HOME PHONE

BUSINESS PHONE (EXT)

PRESENT ADDRESS (Street - City - State - Zip)

BIRTH DATE

Years at this address

SOCIAL SECURITY NUMBER

HOME PHONE

BUSINESS PHONE (EXT)

PRESENT ADDRESS (Street - City - State - Zip)

Years at this address

OWN [ ] RENT[ ] PREVIOUS ADDRESS (Street - City - State - Zip)

OWN [ ] RENT [ ] PREVIOUS ADDREES (Street - City- State- Zip)

OWN [ ] RENT[ ]

OWN [ ] RENT [ ]

COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMNITY PROPERTY STATE.

COMPLETE FOR JOINT CREDIT, SECURED CREDIT OF IF YOU LIVE IN A COMMUNITY PROPERTY STATE.

MARRIED [ ] SEPARATED [ ] UNMARRIED Single - Divorced - Widowed) [ ]

MARRIED [ ] SEPARATED [ ] UNMARRIED Single - Divorced - Widowed [ ]

LIST AGES OF DEPENDENTS NOT LISTED BY OTHER APPLICANT (EXCLUDE SELF)

LIST AGES OF DEPENDENTS NOT LISTED BY OTHER APPLICANT (EXCLUDE SELF)

Name and address of employer

Name and address of employer

Starting/Ending Date Title/Grade

Starting/Ending Date Title/Grade

Supervisor

If employed in current position less than five years, complete previous employer name and address.

Name & address of creditors of debts paid off

Starting/Ending Date Phone

Supervisor

If employed in current position less than five years, complete previous employer name and address.

Name & address of creditors of debts paid off

Starting/Ending Date Phone

Name & address of nearest relative not living with you. Phone-Relationship

Name & address of nearest relative not living with you. Phone-Relationship

Name & address of personal friend - not a relative

Name & address of personal friend - not a relative

tcu CRAPP.WPS

Phone

Phone

Income Information APPLICANT

[ ]CO-APPLICANT [ ]SPOUSE [ ]GUARANTOR

Notice: Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered. Attach a copy of your current pay stub

Notice: Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered. Attach a copy of your current pay stub.

EMPLOYMENT INCOME $ per Gross

EMPLOYEMENT INCOME $ per Gross

OTHER INCOME $ Source

per

OTHER INCOME $ Source

per

Assets

Check box for applicant/other. List all assets and account number(s) - Attach another sheet if necessary.

NAME & ADDRESS OF INSTITUTION NAME & ADDRESS OF INSTITUTION Checking Account Checking Account $_____________________________________________________ $_______________________________________________________ Saving Account Saving Account $_____________________________________________________ $_______________________________________________________ Applicant

Other

Home

Home & all items owned & location of property (for example auto, boat, stocks, bonds, cash, household goods, real estate, etc.)

Market Value

Pledged as collateral for another loan.

yes

no

Debts In addition to Rent/Mortgage list all other debts (auto loans, credit cards, second mortgage, alimony child support, child care, medical, utilities, auto insurance, etc.) Please use a separate line for each credit card and auto loan. Attach other sheet if necessary.

Applicant

Other

Rent/Mortgage including tax & insurance

Creditor: Name & Address

Account Numbers

Original Balance

Present Balance

Monthly Payment

If past due

TOTALS Financial Information: These questions apply to both Applicant and Other.

If “yes” answer is given to a question, explain on attached sheet.

APPLICANT

OTHER

Have you any outstanding judgments?

Have you ever filed for bankruptcy or had a debt adjustment plan confirmed under chapter 13?

Have you had property foreclosed upon or repossessed in the last 7 years?

Are you a party in a lawsuit?

Are you other than U.S. or permanent citizen?

Is your Income likely to decline in the next two years?

Are you a co-maker, co-signer or guarantor on any loan not listed above? (for whom, to whom?)

___yes ___yes ___yes ___yes ___yes ___yes ___yes

___yes ___yes ___yes ___yes ___yes ___yes ___yes

___no ___no ___no ___no ___no ___no ___no

___no ___no ___no ___no ___no ___no ___no

Signatures If there are any important changes you will notify us in writing immediately. You also agree to notify us of any change in you name, address or employment within a reasonable time thereafter. You also promise that everything you have stated in this application is correct to the best of you knowledge and that the above information is a complete listing of your debts and obligations. You authorize the credit union to obtain credit reports in connection with this application for credit and for any update renewal or extension of the credit received. If you request the credit union will tell you the name and address of any credit bureau from which it received a credit report on you. You understand that it is a Federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to Federal Credit Unions or State Charted Credit Union insured

by NCUA.

X

Date___________X

Date_____________

Credit Union Information: Do not write in this section – for credit union use only Signature_________ Line of Credit_________ Other_________ Debt Ratio_________ Loan Officer Advance Approved Yes No Counter offer will be made, if accepted Advance approved Credit Committee or Other Outside Information Considered Yes No If yes attach additional sheet and describe Referred to/reasons for rejection_____________________________________________________________________________________ Describe Counter offer ____________________________________________________________________________________________ Specific Reason for Rejection_______________________________________________________________________________________ Loan Officer X________________________________Date_____________X________________________________Date____________ Credit Committee X____________________________Date_____________X________________________________Date____________ ECOA Notice and reason for rejection sent or delivered on: (Date)By Initials