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EXPRESS LOAN REQUEST

Banner Federal Credit Union Managed Risk Lending Policy

 The Banner Federal Credit Union practices a lending policy known as Managed Risk Lending. The purpose of offering Managed Risk loans is to help as many members as possible. We recognize that certain members represent more risk than others do. We also believe we have members who are being charged extremely high rates with other lenders that we can help with our managed risk program, plus save these members substantial money while helping them rebuild their credit scores. With this methodology, we are able to serve a broader range of borrowers with loan interest rates appropriate to their individual credit risk. We will not grant loans where the probability of repayment is doubtful.

TYPE AND AMOUNT OF CREDIT YOU'RE REQUESTING
Amount/Credit Limit Requested: $ Length of Loan: How Many?
Loan Type: Type of Credit:
Your E-mail address:

Applicant

Choose the paragraph that applies:

1. This is our joint application (both spouses sign) for credit as a debt of the marital community, based upon the creditworthiness of that community. (If this box is checked, supply all information required)

2. This is my individual application for credit as a debt of the marital community, based upon the creditworthiness of that community. (If this box is checked, supply all information required.)

3. This is an application for individual credit as my sole and separate debt. (Your application will be evaluated without regard to the assets, income or creditworthiness of your spouse or the marital community.) If this box is checked, give marital status and no other information regarding your spouse (if any) except name and address. List also all debts for which you are obligated by your signed promise to pay and list al your sole and separate assets and income.
Name: Birth Date: CU Account #:
Social Security #: Driver's License #: State:
Please indicate your marital status: Number of Dependents:
Home Phone: Work Phone:
Address: City: Zip:
Years There:
DEBTS
Mortgage/Rent owed to:
Balance (Mortgage only): Monthly Payment:
INCOME
Employer: Phone:
Job Title: Hire Date:
Income: $
Other Income: (Notice: Alimony,child support or separate maintenance income need not be revealed if you do not have it considered as a basis for repaying this obligation.)
Other income from: Amount: $
REFERENCES
Name: Phone: Address:
Name: Phone: Address:

Co- Applicant
Name: Birth Date: CU Account #:
Social Security #: Driver's License #: State:
Please indicate your marital status: Number of Dependents:
Home Phone: Work Phone:
Address: City: Zip:
Years There:
DEBTS
Mortgage/Rent owed to:
Balance (Mortgage only): Monthly Payment:
INCOME
Employer: Phone:
Job Title: Hire Date:
Income: $
Other Income: (Notice: Alimony,child support or separate maintenance income need not be revealed if you do not have it considered as a basis for repaying this obligation.)
Other income from: Amount: $
REFERENCES
Name: Phone: Address:
Name: Phone: Address:

SIGNATURES: You promise that everything you have stated in this request is correct to the best of your knowledge. If there are any important changes, you will notify us in writing immediately. You also agree to notify us of any change in your name, address or employment within a reasonable time thereafter. You authorize the credit union to obtain credit reports in connection with this request. 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 requests made to Federal Credit Unions or State Chartered Credit Unions insured by the NCUA. You understand that the credit union will rely on the information in the request and your credit report to make its decision. By signing below, you agree to the terms of the loans Agreement and you agree to pay all charges incurred in accordance with the terms of that Agreement.

By submitting this loan request, you agree that the information is correct to the best of your knowledge. You also agree to notify us of any changes to your name, address or employment.

You authorize the credit union to obtain credit reports in connection with this request.