Your Greener Loans Membership and Main Loan Application Form For further information please read the guidance notes on page 7.

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1 Your Greener Loans Membership and Main Loan Application Form For further information please read the guidance notes on page 7. Section 1 Personal Membership All Personal Memberships must be applied for by visiting or your local DotComUnity Branches website. If you are unable to complete the Personal Membership Application online, complete your membership type below and then go to Section 2. Individual Concession* Student (30.00 pa) (12.00 pa) (12.00 pa) *Must be in receipt of benefits, disabled, aged over 60 or as part of a promotional offer (incl Your Greener Loans). **FREE, Must be linked to a Full Personal Member Under 16s (FREE**) If you have completed your membership online, please enter your membership number below and continue to Section 2. Please complete the application in pen with BLOCK CAPITALS Personal Membership Number Section 2 Your Contact Information Title Middle Name Property Name / Number Address Line 1 Address Line 2 Town Post Code Telephone No: Address: National Insurance Number First Name Last Name County Total Time at Address (yy/mm) Mobile No: Date of Birth (dd/mm/yyyy) / / Are you on the Electoral Roll? Yes No What is your Household Status? Owner Landlord Other (Please Specify) Employment Status Full Time Part Time Self Employed Contracted Retired Student Other (Please Specify) / 1

2 Section 3 Previous Address Information Please supply previous address details if you have lived at your current address for less than 3 years. If you have completed your Membership online, please continue to Section 4. Property Name / Number Address Line 1 Address Line 2 Town Post Code Property Name / Number Address Line 1 Address Line 2 Town Post Code Property Name / Number Address Line 1 Address Line 2 Town Post Code County Total Time at Address (yy/mm) County Total Time at Address (yy/mm) County Total Time at Address (yy/mm) / / / This has been left blank intentionally 2

3 Section 4 Loan Application Your Greener Loans has been developed in collaboration with DEAC. DEAC evaluate all Your Greener Loans applications to ensure they meet the approved criteria. DEAC also ensure that all works proposed are completed and meet the criteria required. DEAC receive an Arrangement Fee for this. Total Cost of Measures This is the total cost of measures including even if the value is more than the loan. Please complete only one section, either 4a or 4b. See guidance notes A5 and further information on pages 7 to 10. 4a. Including Fees I would like to include the 12 DotComUnity Centres Membership Fee for each year of the loan and the 100 DEAC Arrangement Fee within my loan amount. Plus a one off payment of 5 into my Basic Share Account. Including the fees, I am applying for a total loan of (maximum 7,500, which must include the fees): My monthly repayments as discussed (excluding Loan Linked Savings) will be approximately (): Over a period of (Loan Term 12 to 60 Months): 12 1 Year 24 2 Years 36 3 Years 48 4 Years 60 5 Years Months OR 4b. Excluding Fees It is clearly understood that this loan is to directly fund the cost of the installation of specified energy saving measures to my property only, and that I will pay separately the associated costs (e.g. DotComUnity Centres Membership Fee), as described in A5, on page 7. I am applying for a loan of (maximum 7,500): My monthly repayments as discussed will be approximately (excluding Loan Linked Savings) (): Over a period of (Loan Term 12 to 60 Months): 12 1 Year 24 2 Years 36 3 Years 48 4 Years 60 5 Years Months Fees to be paid separately (Information on when and how to pay the fees can be found in Section 10) DEAC Arrangement Fee: DotComUnity Membership Fee (12 x number of years of the loan): To be paid separately Plus a one off payment of 5 into your Basic Share Account Total Fees Due 3

4 Section 5 Loan Linked Savings Account In addition to the monthly repayments of the loan, an amount equivalent to 10% of the monthly loan repayment amount will be added to your loan repayment amount and paid into your Loan Linked Savings Account. See guidance notes section A4 for further information. For Example: Monthly Repayment + 10% Loan Linked Savings = Monthly Repayment The monthly Loan Linked Savings repayment amount will be approximately: Section 6 Additional Information The interest rate quoted is calculated on a reducing balance basis. Interest will be charged at 0.75% per month (9% per annum - equivalent to 9.4% APR). There are no penalties for any early settlement. Section 7 Estimated Monthly Income and Expenditure Estimated Monthly Income: (After Tax and NI) Remaining Balance: Estimated Monthly Expenditure: Section 8 Financial History DotComUnity Credit Union, assess your credit history, not just your credit profile. This provides you with a stronger possibility of having your loan approved. Failure to provide us with complete accurate information in other words, the whole story, will result in the loan application automatically being declined. If you are unsure on whether information is applicable, please state whatsoever. Please detail below ANY defaults, CCJ s, IVA s or bankruptcies within the last 6 years, or tick box if not applicable (If you require further space please add an additional page): PLEASE DO NOT TICK THIS BOX UNTIL YOU HAVE READ THE GUIDANCE NOTES IN SECTION 13 AND PAGES 7 TO 10. 4

5 Section 9 Supplier Deposit 9.1 Deposit Required (Please tick relevant box) If No, please continue to Section The contract with the supplier requires a deposit of: (Complete amount if applicable) 9.3 The deposit will be released upon your request to a maximum of 30% of the loan value. Please note the loan repayments begin once the deposit is paid. Please tick the following option that meets your requirements: (If you completed point 9.2 above) I will be paying the deposit due separately from the loan and will not require reimbursement. I will be paying the deposit due separately from the loan, and will require repayment of the deposit from the loan amount. I will need to pay the deposit from an advance payment of the loan. The balance of the loan will be held separately and will then only be released directly to the supplier after your customer satisfaction form and invoice from the supplier have been received by DEAC. Monthly repayments begin once the deposit from the loan has been paid to the supplier. Example: Total Cost of Work: 6,000 - Deposit Required: 1,500 Yes No Section 10 Payment Information There are several options available to pay the fees if they are separate to the Loan, as agreed in Section 4b. The fees are required at the time of application. Please tick one of the following payment options: You can pay via BACS payment by sending your deposit money to our account held with: Unity Trust Bank Account Name: Enterprise The Business Credit Union Limited Sort Code: Account Number: (It is essential that if you pay this way you quote YGL-YOUR HOUSE NUMBER-YOUR POST CODE as reference For Example YGL4BH11JU Please do not use any spaces or commas without this reference, there will be a delay in processing your application) A deposit from your existing Credit Union account By cheque Made payable to DEAC Money, and enclosed with this application form: DEAC Money, 4 Trinity, 161 Old Christchurch Road, Bournemouth, Dorset, BH1 1JU. A receipt will be issued to you by DotComUnity Centres to confirm payment 5

6 Section 11 Agreement, Declaration and Data Protection See Guidance Notes on pages 7 to 10 and Terms & Conditions for further information. I agree to join DotComUnity Centres and DotComUnity Credit Union as a Member. I require the following accounts to be set up for me by DotComUnity Credit Union: - Basic Share Account for the holding of the minimum 5 share (See guidance note C2) - Loan Account - Loan Linked Savings Account for the additional 10% savings I understand that my fees will be refunded (if paid separately from the loan) if my loan is declined, however if I cancel my loan once approved, my fees will be retained. I declare that the information I have given on this application form is to the best of my knowledge and belief accurate and full information. I confirm that I am signing this application form to apply to become an individual member of DotComUnity Centres and DotComUnity Credit Union that I will pay 12 per year for the Membership Fee, in advance for the duration of the loan, and I agree to the respective terms and conditions of membership. I confirm that I am applying for a loan of the amount detailed on this application form and understand that DotComUnity Credit Union will confirm the terms and the monthly repayments before I am committed to the loan. In accordance with the principles of the Data Protection Act 1998, my personal details will be treated confidentially. They may be disclosed to a credit reference or fraud prevention agency, which may keep a record of the information and they may disclose that information and the fact a credit search was completed to other agencies for the purposes of assessing the risk of giving credit, account management, debt tracing and to prevent fraud and money laundering. Information supplied within this form, will be supplied to DEAC in order to meet the criteria for the loan arrangement. I have checked any pre-filled parts of this form and confirm that this and all other information including that completed by myself is correct. Any amendments have been initialed by me. I also understand that DotComUnity Credit Union will carry out a credit reference search via Equifax as detailed within the Terms and Conditions. Further information can be found online at Section 12 - Communications In accordance with our terms of membership, you will be kept informed of all membership information and member benefits. Please tick this box if you want to be contacted by your local branch for marketing purposes: Please tick this box if you want to receive our newsletter: Applicant Signature: Date: / / Checklist I have included the following documents: 3 bank statements (See Guidance Note A8) Copies of quotation(s) from supplier(s) Evidence of income paid into other accounts (if applicable) 6

7 Section 13 - Guidance Notes A. Your Greener Loans A1. The DEAC Money, Your Greener Loans is an ethical, low interest way of financing energy efficiency or renewable energy measures in your home. A2. All applications for Your Greener Loans are subject to a 100 DEAC arrangement fee. This covers the administration of the energy saving measure, processing and support required. A3. Processing Your Greener Loans applications: during the processing of your application, anti-money laundering and ID Verification checks will be carried out. If any issues arise then additional information may be requested. A4. Loan Linked Savings: DotComUnity Credit Union promotes savings and so with each monthly repayment you will be required to also pay an additional amount equal to 10% of the monthly loan repayment into a Loan Linked Savings Account. These savings can be used to clear the loan early, however, they cannot be withdrawn during the loan period. For Example: Monthly Repayment + 10% Loan Linked Savings = Monthly Repayment The loan and savings will be collected from your bank account by direct debit either on the 1 st, 8 th, 15 th or 22 nd of each month. By exception we can accept payment by standing order if required. A5.Information for Sections 4 and 5: - Total Cost of Measures DEAC require information on the total cost of the measures you are having carried out, regardless of the loan amount - Total Loan Amount - 5 deposit for the Basic Share Account with DotComUnity Credit Union - 12 Annual DotComUnity Centres Membership Fee, for each year of the loan - Additional 10% of the monthly loan repayment amount for each month paid into your Loan Linked Savings Account one off DEAC Arrangement Fee For any assistance in calculating the loan and repayment details, use the online calculator at or contact DEAC Money. A6. Guidance notes for Section 8 FINANCIAL HISTORY DotComUnity is a membership organisation. One of the benefits of membership of DotComUnity is the facility to apply for a loan to enable energy efficiency works to be carried out on your property. You will be borrowing co member s money. In order for us to help you fund the installation of those measures, whilst still protecting co members money, we need to know if there are any issues with your financial history over the past 6 years. We will carry out a credit check, which will highlight your financial history. We need you to inform us ahead of that credit check, within Section 8 of this form, of anything that may show up on the credit report such as a defaults, CCJ, IVA, payment plan, bankruptcy etc, or is relevant to your past or current situation. As stated in Section 8 the fact you may have had past issues, does not automatically constitute a refusal for the loan, but without complete information, this will constitute a refusal. 7

8 What you need to tell us in Section 8 Whenever a customer admits financial difficulties, whether current or in the past, the Credit Union wish to know the story: - How the customer came to get into financial difficulties, - Relevant dates - What steps have been taken to resolve the difficulties? In addition to this information, further information as stated below will be required on any of the following: Defaults This is where you may, for whatever reason, have missed a bill payment. It could be a mobile phone bill, utility bill, store card, credit card, mortgage, catalogue, loan or a direct debit, standing order or payment that should have been made regularly and somehow got missed. CCJ s County Court Judgments are where you have been taken to court by someone you owed money to and failed to pay it off within an agreed timescale. If someone takes court action against you, saying you owe them money, and you don t respond, you could get a County Court Judgment (CCJ) or High Court Judgment. These stay on your records of judgments and are kept for 6 years unless you pay the full amount within a month - this can make it hard to get credit. The Credit Union need to know the date of the CCJ. IVA What is an Individual Voluntary Arrangement? The Insolvency Act of 1986 (amended by the Insolvency Act 2000 and the Enterprise Act 2002) introduced a new procedure whereby a debtor could come to an arrangement with his/her creditors, to pay his/her debts in full or in part over time as an alternative to bankruptcy. This arrangement is known as an Individual Voluntary Arrangement (IVA) and may be entered into either before or after a bankruptcy order has been made. The Credit Union will need to know; - The date the IVA/Deed started - The date the IVA/Deed ended - If active, the Credit Union will want to see the terms and conditions of the IVA/Deed and the customer will need to obtain evidence of permission for the loan being granted by the holder of the IVA/Deed - If in the past, then the Credit Union will want to see the completion certificate Debt Payment Plan A Debt Management Plan is an agreement between you and your creditors to pay all of your debts. You make regular payments to a licensed debt management company. The company then shares this money out between your creditors. The Credit Union need to know: - The Payment Plan - The date the Plan started - The date the Plan ended 8

9 - Copies of any annual statements. Bankruptcy To be made bankrupt, a court has to issue a bankruptcy order against you. This can happen for 2 reasons: - You can apply to the court if you re unable to pay your debts - Your creditors (the people you owe money to) apply to make you bankrupt if you owe them 750 or more When you re made bankrupt: - Your assets can be used to pay your debts - You must follow certain rules called the bankruptcy restrictions - Your name and details will be published on a bankruptcy register called the Individual Insolvency Register - After 12 you re usually discharged (freed) from your bankruptcy - The Credit Union will need to know the discharge date If you are still within your bankruptcy we cannot loan to you, but please contact us as there may be advice or support available to you. The bankruptcy process is different in Scotland and Northern Ireland. If any of the above apply to you, then please tell us in Section 8. Where there is a debt arrangement or IVA, you will need to provide permission from the trustee of your debt management to apply for this loan. A7. It is assumed that the loan will be in one member s name. If you require a loan in joint names, simply contact DEAC Money who will be able to provide you with the additional application form. A8. You also automatically benefit from free Life Protection Insurance cover up to the value of your loan amount and for the lifetime of the loan. All members aged years qualify (subject to terms). This applies to the first named party if a joint loan. Check the website for full details or telephone A9. Supporting documents. In order to complete the processing of the loan application, DotComUnity require the following documents: - 3 bank statements, showing wages, salary, benefits and / or pension payments being paid into your account. (These must be the most recent available no older than 6 ). Any internet banking statements should include bank details and not a downloaded CSV or equivalent file - If any benefits or other payments are paid into a different account, then please provide evidence of these separately - Copies of the quotation(s) from supplier(s) B. DotComUnity Centres Membership Application B1. In order to take out Your Greener Loans, you will need to become a member of DotComUnity Centres, the membership organisation, and DotComUnity Credit Union. Your will need to remain a member for the duration of the loan. B2. During the application process, DotComUnity Centres will use the information you provide to carry out online anti-money laundering checks. If any issues arise then there may be a requirement for additional information to be 9

10 supplied. B3. For Your Greener Loans, members pay a reduced fee of 12 per year to join DotComUnity Centres. By becoming a member you are then eligible for all member benefits including DotComUnity Credit Union. C. DotComUnity Credit Union C1. In applying for Your Greener Loans, the following accounts will be set up for you: - Basic Share Account - Loan Account - Loan Linked Savings Account C2. To activate your DotComUnity Credit Union accounts, you must deposit and at all times keep, a minimum of 5 in your Basic Share Account; this 5 must be paid at the same time the membership fee is paid. Through DotComUnity Credit Union, you may benefit from an annual dividend paid to all members from any surplus generated. C3. How we use your information: The Credit Union will process your data in accordance with your rights under the Data Protection Act 1998 Your information may be processed by the Credit Union in any form and on any database used by us for the following purposes: - To consider any applications made by you - To help us to make credit decisions about you and anyone to whom you are linked financially or other members of your household - To manage your account(s) or run any other services we provide to you - To undertake statistical analysis, financial risk assessment, money laundering checks (which may include telephoning you), compliance and regulatory reporting, fraud prevention and debt tracing - To help us identify products and services which may be of interest to you (unless you have asked us not to) C4. DotComUnity Credit Union is an ethical organisation working for the benefit of its members, not shareholders. Uniquely, the members are made up of the very people who save with DotComUnity Credit Union and borrow from it. Administration Use Only: Branch Name: IAP Name: DEAC Reference: DotComUnity Membership No: DEAC Review: Review Date: 10

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