American Spirit Loan Application

LOANLINER®

LOAN REQUEST

Married applicants may apply for a separate account. If you are applying for Individual Credit, you must complete the Applicant section about yourself and the Co-Applicant section about your spouse if:

Your spouse will use the account, or
You are relying on your spouse's income as a basis for repayment.

If you are relying on income from alimony, child support or separate maintenance, complete the Co-Applicant section to the extent possible about the person on whose payments you are relying.

If you are applying for Joint Credit with another person, complete the Applicant and Co-Applicant sections.

TYPE AND AMOUNT OF CREDIT YOU'RE REQUESTING

Is this your first loan from us?	yes no
Amount/Credit Limit Requested:	$
Approximate Time to Repay:	How Many? Periods:
Loan Type:
Security Offered:	(for secured credit only, not applicable to credit cards)
Type of Credit:	Individual Joint

For Credit Cards, see Disclosure Table

PAYMENT PROTECTION COVERAGE Check if desired

Find out more about Payment Protection Insurance and why it's a better consumer value when offered through your credit union.

Check coverage(s) desired. We will disclose the cost of this Payment Protection Insurance - Credit Disability and Credit Life - to you. A separate enrollment form which discloses the terms and conditions must be signed for coverage to become effective.

Yes No

Do you want your loan protected for you and your family if you become disabled?

Yes No

Do you want your loan protected for you and your family in the event of your death?

TELL US ABOUT YOURSELF

Applicant	Co-Applicant
Name:	Name:
Please indicate your marital status if you are applying for Joint Credit, secured credit or if you live in a community property state: Married Separated Unmarried (Single - Divorced - Widowed)	Please indicate your marital status if you are applying for Joint Credit, secured credit or if you live in a community property state: Married Separated Unmarried (Single - Divorced - Widowed)

Birth Date:	Birth Date:
Home Phone: Business Phone:	Home Phone: Business Phone:
Present Address: Years There: Own Rent	Present Address: Years There: Own Rent

Job Title:	Job Title:
ETS Date:	ETS Date:

DEBTS	DEBTS
Mortgage/Rent owed to:	Mortgage/Rent owed to:
Balance (Mortgage only):	Balance (Mortgage only):
Monthly Payment: Current APR % (Mortgage only):	Monthly Payment: Current APR % (Mortgage only):
Person Responsible for Payment:	Person Responsible for Payment:
INCOME	INCOME
Employer:	Employer:
Income: $ Net Gross Annual Monthly Bi-weekly Weekly	Income: $ Net Gross Annual Monthly Bi-weekly Weekly
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.) Source: $ Annual Monthly Hourly	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.) Source: $ Annual Monthly Hourly

RATE AND LOAN DISCLOSURES

Click here for current credit card rate information.

Click here for current loan rates.

PLEDGE OF SHARES FOR CREDIT CARDS: By submitting this application, you grant us a security interest in the following accounts to secure your credit card agreement. You authorize us to apply the balance in these accounts to any amounts due under these agreements if you should default. If no dollar amount or account number is indicated below, you authorize us to apply any balance in your account at the time of default to pay any amounts due under these agreements. Shares and deposits in an Individual Retirement Account and any other account that would lose special tax treatment under state or federal law if given as a security are not subject to the security interest you have given in your shares and deposits.

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 Credit Card Agreement which will be sent with the card and you agree to pay all charges incurred in accordance with the terms of that Agreement.

X________________________________
Applicant Signature and Date

X________________________________
Co-Applicant Signature and Date

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.

American Spirit Federal Credit Union will take every opportunity to protect the security of the information submitted, but as any other information transmitted over the internet, data is subject to instances of review by unauthorized users. Although we feel the likelihood of such data manipulation is low, users who prefer to maintain higher levels of security should submit applications in person or via the Loan Arranger.

CSTLR1 6857 - Internet Loan Request