SKIP YOUR DECEMBER 2014 OR JANUARY 2015 LOAN PAYMENT!

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1 SKIP YOUR DECEMBER 2014 OR JANUARY 2015 LOAN PAYMENT! To skip your payment, simply fill out ALL forms completely, and sign. You can then: mail the forms to First Financial CU, PO Box 25587, Albuquerque, NM or Fax to (505) (If faxing, please include fax consent form provided), or drop off at any branch. THIS OFFER IS ONLY GOOD FOR ONE MONTH, AND FINAL APPROVAL OF THIS REQUEST IS SUBJECT TO THE DISCRETION OF FIRST FINANCIAL CREDIT UNION. Qualifications for Skip Pay: You may skip your December or January consumer loan payment(s) for a low processing fee of $20.00 for the first loan and $5.00 for each additional loan. Your regular payment will resume the following month. Only one skip payment is allowed in a 12 month period. If a December or January payment is skipped, you will not be eligible for the skip pay program offered in July. This offer excludes: credit cards, open-end auto loans, real estate loans, lines of credit, back-to-school loans, holiday loans, vacation loans, special SEG loans, other promotional loans, and RediCash loans. Loan(s) must have at least six months of payment history, and all of your credit union loans and accounts must be in good standing. Loans more than 14 days past due are not eligible. You understand the term of your loan(s) will be extended one month and that you will accrue additional interest at the daily periodic rate. You also understand that the total amount you pay for finance charges on your loan(s) could be greater than stated on your original loan(s) disclosure. Skip Pay request must be received by First Financial Credit Union no later than 10 days prior to payment due date, or date payment is automatically deducted from your account. Final approval of this skip pay is subject to the discretion of First Financial Credit Union. If you have any questions, please call or PLEASE ALLOW 10 DAYS FOR PROCESSING FROM THE DATE THE APPLICATION WAS SUBMITTED BEFORE CONTACTING THE CREDIT UNION.

2 Skip Payment Application I have not included any credit cards, open-end auto loans, real estate loans, lines of credit, back-to-school loans, holiday loans, vacation loans, special SEG loans, other promotional loans, and RediCash loans. To be eligible, the skip payment loan must have at least six months of payments made, and all of your credit union loans and accounts must be in good standing. Yes, I d like to skip my loan payment(s) for the month of (choose one): December 2014 January 2015 Name (please print) Account # Daytime phone # Address Due to regulatory changes, one Terms of Skip Payment Promotion table needs to be filled out per loan you would like to skip. Please fill out all spaces completely, and sign and date each table. Important Option to Change Account Terms-Skip Pay Deduct the below processing fee from my (check one): Savings Checking Add the below processing fee to my consumer loan.

3 Important Option to Change Account Terms-Skip Pay Deduct the below processing fee from my (check one): Savings Checking Add the below processing fee to my consumer loan. Important Option to Change Account Terms-Skip Pay Deduct the below processing fee from my (check one): Savings Checking Add the below processing fee to my consumer loan.

4 Important Option to Change Account Terms-Skip Pay Deduct the below processing fee from my (check one): Savings Checking Add the below processing fee to my consumer loan. Processing fee amount please compute your fee below. First Loan $ # of Additional Loans X $5.00 = $ TOTAL DUE $

5 Return form by: Fax to (505) (if faxing please include fax consent form provided), or mail to First Financial CU, PO Box 25587, Albuquerque, NM You can also drop this form off at any CU office. FAXED LOAN SIGNATURES CONSENT FORM By signing this agreement, I,, agree to sending my signed loan documents via fax. My ability to affirmatively consent is proven by me faxing this signed form to First Financial Credit Union. In order to affirmatively consent I understand that I must be able to demonstrate my ability to send a fax that is received by appropriate personnel at First Financial Credit Union. This agreement expires upon consummation of the loan specifically noted below. A new agreement will need to be signed for future requests. With this agreement, I understand that my signatures will be confirmed and that I have full responsibility for the loan as if I were in an office of First Financial Credit Union. I understand that my signature will be verified using the records held by First Financial Credit Union based on past transactions. Should my signature on the loan documents vary from what is on record, the signature will not be accepted, and the loan not finalized. Borrower s Printed Name Membership Number