As a member of Williamsville Federal Credit Union you can have access to a variety of quality financial
products and services which offer many unique, money saving features not available at most other
financial institutions.

When you have the need to borrow money, always talk to us first. Our loans are designed to offer
you low interest rates, flexible terms, and to qualified members, the convenience of making payments
via payroll deduction.

Plus, when you borrow from the credit union you are actually helping to support our future growth
and prosperity. Since your credit union is a not-for-profit organization, all excess earnings generated
from your loan are used to help lower interest rates on loans, provide higher dividends on
savings, or will be reinvested into providing new products and services.

The more you use the credit union, the more it directly benefits you. We appreciate your membership
and continued support.

Name Date Purpose of loan Amount Requesting Current Loan Balance Loan to be repaid in months or at $ per pay/month Would  you like your loan payments deducted from your paycheck?  yes      no Group Credit Insurance Group credit insurance is voluntary and not a requirement of your loan. To be eligible for Group Credit Life and/or Disability insurance, your loan must mature before your 70th birthday. Additionally, to be eligible for Credit Disability Insurance, you must be actively at work and gainfully employed at least 20 hours per week. As part of the enrollment process, you may be asked to satisfactorily complete a separate Statement of insurability. Assuming your application for credit is approved and you are eligible for insurance, the Credit Union will disclose its total cost to you. You will also be asked to sign the request for coverage contained on the personal loan plan note, security agreement and Truth-In-Lending Disclosure form. Indicate which credit insurance option(s) you desire: Joint Credit Life Insurance   Single Credit Life Insurance   Single Credit Disability Insurance   No Insurance Address, if RD# provide brief description of location: Home Phone # Work Phone # Marital Status ( Do not complete if you are applying for individual credit ) Married Separated Other Number of Dependents Your Employer Employer's address Occupation Department Length of Employment Income per # of hours worked per week Alimony, child support, or seperate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. Other income per Source *** PROOF OF INCOME MUST ACCOMPANY THIS APPLICATION*** Nearest relative not living with you? Relationship Their address  Previous address (if less than 2 years at current address) Previous address (if at current employer less than 3 years) Years there Reason for leaving Please fill out this application in detail to decrease processing time.  Everything that I have stated in this application and credit history is correct to the best of my knowledge.  As required, my shares may be used as security for my loan.  You are authorized to check my credit history and to answer any questions about your credit experience with me.  Do you agree with these conditions? yes      no If requesting joint credit: Spouse Name Credit History   Creditor Present Balance Monthly Pmt. Up to Date Rent/Mortgage Auto Loan Auto Loan Bank Loan Bank Loan Fin. Company Fin. Company Visa Visa Master card Master card Lowe's Boscov's Discover Sears J.C. Penney's PHEAA Other Other Are you a co-maker, co-signer or guarantor on any loans? yes      no If yes, please provide debtors' current loan balance, and other details (including name and address of any creditors): Are there any unsatisfied judgments, garnishments, or lawsuits pending against you? yes      no If yes, please provide date and place of filing: Have you been granted credit in another name? yes      no If yes, what was that name and where was the credit granted: Are you presenting liable for any alimony, child support, or separate maintenance payments? yes      no If yes, what is the amount and frequency of those payments: Do you have any other loan or credit application in the last six months? If yes, provide dollar amount & details: yes      no Have you declared bankruptcy in the last 14 years? If yes, provide date and place of filing: yes     no Representations & Authorizations You represent everything stated in this application is correct to the best of your knowledge. You further represent you have provided a complete listing of all your debts and obligations. You authorize the Credit Union to investigate your credit record, verify your employment and income information, and answer questions regarding your credit history. You also authorize the Credit Union to obtain credit reports in connection with this application and for any update, renewal or extension of the credit received. If you request it, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by the National Credit Union Administration. __________________________ _______________ Applicant Signature Date __________________________ _______________ Witness(if requested) Date Credit Union Use Only Loan Officer Approved Counter-Offer to be made. Application approved if applicant accepts all conditions set forth below. __________________________ __________ Denied Referred to Credit Committee Loan Officer Signature Date Credit Committee Approved Counter-Offer to be made. Application approved if applicant accepts all conditions set forth below.     Denied     __________________________ __________       Committee Member Signature Date       __________________________ __________       Committee Member Signature Date       __________________________ __________       Committee Member Signature Date