Consumer Loan Disclosure

Legal Disclosure
It is a federal crime to defraud a financial institution, or to knowingly submit or represent false information to obtain credit from a financial institution. 18 USC 1344 Loans are available to United States Residents currently residing in the United States. You must read the following terms and conditions before continuing.

Notice to California Residents:
A married applicant may apply for a separate account. For joint accounts, after credit approval, each applicant shall have the right to use this account to the extent of any credit limit set by the creditor and each applicant may be liable for all amounts of credit extended under this account to any joint applicant.

Notice to Ohio Residents:
The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Wisconsin Residents:
Wisconsin law provides that no provision of any marital property agreement, unilateral statement or court decree applying to marital property will adversely affect a creditor's interests unless the creditor, prior to the time that credit is granted, is furnished with a copy of the agreement statement, or decree, or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.

Notice to New York and Vermont Residents:
The Credit Union may at any time in the future obtain consumer credit reports to review the account. Upon request, the Credit Union must supply the name and address of the consumer reporting agency which gave the consumer report.

Application
By completing and submitting an application, I/we certify that I/we am of legal contracting age and have read, understood and agree to all of the terms stated here. I/we represent that the information I/we provide will be true, accurate and complete. I/we understand and authorize Star One CU:

• to retain this application whether or not it is approved;
• to obtain information from credit bureaus with respect to this application and that I/we may obtain the name and address of any credit bureaus used in conjunction with this application upon my/our request; and
• to obtain from and exchange my/our financial information with any affiliates or correspondents

And by submitting this application, I/we:

• agree that, in considering this application, Star One CU may obtain information about each applicant and any co-signer from any consumer reporting agency;
• certify that all information provided in this application is true and complete and made for the purpose of obtaining credit;
• represent that I/we are the individual about whom information is submitted; and acknowledges that final credit approval is subject to Star One CU verification of the information provided in this application and to additional terms and conditions contained in the approval notice;
• specifically intend on applying for joint credit with the applicant.

Disclosure
I/We agree to be bound by the terms disclosed above. Furthermore, I/we agree to complete our application online. By submitting our application online, we agree:

1. that we have reviewed the terms and conditions;
2. to submit this application subject to the terms and conditions; and
3. to authorize Star One CU to use the information and any other information Star One CU has about me to determine my ability to pay, as required by applicable law. I/we acknowledge having read the application and affirm that everything I/we have stated is true and correct.