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LOANLINER® Application Instructions

Instructions for the Application:

• Individual or Joint Credit - You may apply for either Individual or Joint Credit. Individual Credit will be based on your income only. If you apply for Joint Credit, both parties must be VSECU members. If you wish to have us consider the income of someone else who is not a member, please request the appropriate forms. We will not consider another source of income unless that individual signs on the application, either as a co-applicant or guarantor.
• Payment Protection - If you would like to purchase Single Disability Insurance and/or Single or Joint Credit Life Insurance, please check the appropriate box.
• Applicant, Co-Applicant, Spouse and Guarantor Information - Include your physical and mailing addresses for both "Applicant" and, if applicable, "Other" sections.
• Employment/Income - Indicate your gross income (before taxes).
• Applicant Reference - Include full physical addresses and telephone numbers.
• What You Owe - Include the names and addresses of your creditors and your account numbers. If you are unsure of your account balances, you may estimate. Please include all debts including, for example, auto loans, credit cards, second mortgages, alimony, child support, etc.
• Other Information About You - It is important that you answer these four questions.
• Signatures - Read this section carefully. The applicant and, if applicable, the co-applicant sign and date the document.

Instructions for the Open-End Plan Signatures Form:

• Credit Agreement - Please read the Credit Agreement on the front and back of the form carefully. The borrower and, if applicable, the co-borrower sign this document.
• Credit Insurance Application/Schedule - If you are purchasing our low-cost Credit Disability Insurance and/or Credit Life Insurance, please indicate your intention by checking "yes." If you choose to forego insurance coverage at this time, then please check "no." In either case, the borrower eligible to be insured signs the bottom of the form. Both borrowers sign only if Joint Credit Life Insurance is selected.